vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
I am writing to formally complain about the unacceptable delay and poor handling of the closure of my checking account, which was closed on XX/XX/year>. After the account closure, I was told that any remaining balance would be sent to me by check via mail within XXXX business days. As of today ( XX/XX/year> ), I have still not received the check, and it has now been nearly XXXX calendar days since the account was closed. I have contacted Citi support multiple times regarding this matter. During these conversations, a representative named XXXX provided conflicting and confusing information : - I was initially told to allow XXXX business days for the check to arrive by mail. - When I asked for clarification on the expected arrival window, the response referenced business days counting from XX/XX/year> ( the XXXX day from account closure ), which does not align with the original XX/XX/XXXX closure date. - The representative also mentioned waiting until between the XXXX and the XXXX of XXXX, which has now passed without any check arriving. This back-and-forth has caused significant frustration and inconvenience. I have followed up repeatedly, yet the issue remains unresolved and the final balance has not been returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: TN

Complaint narrative:
Upgrade told me on XX/XX/2026 it intends to report full balances on accounts discharged in Chapter XXXX on XX/XX/2026 and said it may continue collection. I dispute the accuracy of the reported balance/current status and want the company to correct any inaccurate or misleading post-discharge reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC

Complaint narrative:
Reverse Mortgage ( HECM ) Failure of Disclosure / Due & Payable Status Dear Sirs, I am submitting this complaint regarding a Home Equity Conversion Mortgage ( reverse mortgage ) that has recently been declared Due & Payable. I received a letter on XX/XX/year>. I called the loan servicer, Carrington Mortgage Services , LLC and no- one would speak with me and the last person had my call transferred to HUD XXXX I am in shock and not aware that I did not meet any obligations that could result in the loss of my house through foreclosure. Specifically, I am requesting review of the following concerns : Whether required HUD counseling was conducted in a manner that ensured informed understanding Whether disclosures regarding risk of foreclosure and loan acceleration were clearly explained and understood Whether the loan servicer has complied with all notice, communication, and loss mitigation requirements I am in the Due & Payable stage and am actively attempting to evaluate options and better understanding. .However, given the concerns above, I am requesting the following : XXXX. A full review of the loan origination and counseling process XXXX. A review of the servicers handling of this account XXXX. A temporary hold on foreclosure activity while this complaint is under review XXXX. Written clarification of all available options, timelines, and borrower rights This situation involves my primary residence and has significant implications for my housing stability as a senior. I am seeking a fair and transparent resolution consistent with federal consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Services, in an attempt to collect a debt on behalf of XXXX XXXX credit card company, spoofed the call as my probate attorney with his phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
So When I WAS HOME ALONE, AND I COULDN'T EAT NOR DRINK AND NOT SURVIVE ON MY OWN BECAUSE I MEDICALLY COULD NOT COOK, BAKE, CLEAN MYSELF, ETC., BECAUSE OF STRESS, RECENT XXXX XXXX, SICKNESS, & MY XXXX & XXXX, I HAD TO ORDER OUT FOOD & ORDER STUFF OUT INSTEAD OF BEING ABLE TO EAT STUFF AT HOME & GO OUT TO BUY THE FOOD, DRINKS ( EVEN WATER! ), & SUPPLIES FOR MY BEDROOM & SUCH, AMONGST OTHER SUCH THINGS, BECAUSE I COULD NOT SURVIVE OTHERWISE BECAUSE MY MOM WAS FORCED TO BE IN THE HOSPITAL FOR 8 MONTHS & 4 MONTHS IN A MEDICAL REHABILITATION CENTER. I WAS FORCED TO BUY STUFF ONLINE FROM THE FOLLOWING MERCHANTS : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX ( ALPHABET ) XXXX. XXXX.XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX I DID NOT GET ANY FOOD UNTIL IT WAS ALREADY SPOILED & INEDIBLE, WASTING UP TO ~ $ XXXX $ XXXX!!! I COULDN'T GET ANYTHING RIGHT! NOTHING WAS OFFERED UNTO ME THAT WAS CORRECT! I NOW OWE A GRAND TOTAL OF {$630.00} FOR STUFF THAT I DIDN'T GET, I DIDN'T GET IT TO BE ABLE TO EAT IT, OR ANY SUCH THING!!! I... I ALSO CALLED XXXX MULTIPLE TIMES NOW! THEY BASED ME UPON A STEREOTYPE, AND THEY BARELY HAPPENED TO BE OF HELP TO ME AT ALL! ME, THE BENEFICIARY, TO THE TRUSTEES, XXXX & IT'S AFFILIATES, THE BENEFICIARY WAS UNJUSTLY & UNRIGHTEOUSLY FORCED INTO A PREDICAMENT TO PAY A BILL UNJUSTLY DUE TO HIM, WHILE THEY, THE TRUSTEES, ABUSED THEIR RIGHTS AFFORDED AND NOT AFFORDED TO THEM, AS PER AMERICAN CREDIT LAW, TO HARM THE CONSUMER. THEREFORE, BY IN RESPECT TO THE LAW OF THE LAND AND THE LAW OF THE SEA, GOVERNING THE UNITED STATES OF AMERICA, THE STATE OF TEXAS, & BEXAR COUNTY, A SOLE & DOLED PAIN & UNDUE HARDSHIP HANDED UNTO THE BENEFICIARY, THE TRUSTEES ARE ACCUSED OF MALFEASANCE, UNJUSTLY CREDIT REPORTING PRACTICES, & UNJUST & PREDITORY CREDIT PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
Back in XX/XX/XXXX I received an email confirmation of a checking account opened without my consent via US Bank. I called the bank and spoke with a representative who was not able to tell me how or why an account was opened without my consent they suggested I dont deposit any money into the account and it will automatically close. I received confirmation that the account did in fact close around XX/XX/XXXX then the same instance occurred on XX/XX/XXXX I called the bank again and spoke with a representative who suggested me I website that helps to protect against these occurrences called chexsystems, she said they flagged the account and it was closed with no issue. Today XX/XX/XXXX another email confirmation came through stating I opened a checking account online when I in fact did not I dont know what else to do to fix this reoccurring issue with the same bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for and was approved for a credit card that included a XXXX % XXXX promotional offer on balance transfers through XX/XX/year>. I completed a balance transfer in reliance on that promotional offer and have made all required payments on time. I have not missed any payments or violated any terms of the agreement. However, after my account was closed by U.S. Bank without prior notice or explanation, interest began to be charged on the balance that was originally transferred under the XXXX % promotional APR. This contradicts the terms of the promotional offer, which should have remained in effect for the duration of the promotional period as long as payments were made on time. I have also attempted to resolve this issue directly with U.S. Bank by phone, but was repeatedly transferred between multiple departments without receiving a clear answer or resolution. This has made it extremely difficult to address what appears to be an error or misapplication of the promotional terms. I relied on the XXXX % APR offer when making the decision to transfer this balance. The application of interest after account closure appears improper and inconsistent with the original terms provided. As a result, this situation is causing me financial harm through unexpected interest charges that I specifically took steps to avoid by selecting a XXXX % promotional offer. I am requesting : XXXX. A full review of my account and the promotional terms associated with it XXXX. Reinstatement of the XXXX % APR on the remaining balance through XX/XX/year> XXXX. A refund of all interest charges applied since the promotional terms were not honored

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
My mortgage was sold to XXXX XXXX on XX/XX/XXXX. Funds in a restricted escrow account were transferred with my loan. Those funds were from my homeowners insurance payment from a claim to repair damages caused by a hail storm/tornado in XXXX of XXXX. Repairs were complete in XX/XX/XXXX. I have been attempting to receive those funds from XXXX in order to pay my contractor for the completed work since XX/XX/XXXX. I have called the company over XXXX times spending over XXXX hours total on the phone with agents from XXXX. I have attempted to file a complaint with their company due to the misinformation I have received on multiple calls that has directly delayed the release of my funds for almost XXXX months. I was told they do not have a formal complaint process and could not be assigned a tracking number. I was told a supervisor would call me back and they never did. I have escalated to their resolution team at least XXXX times and continued to receive misinformation on the process and documentation needed to release my funds to me. I was finally transferred to a supervisor after threatening to sue them for breach of contract with withholding my funds unnecessarily. The supervisor gave me their direct number, but when I attempted to call her back XXXX separate times to check on status, I had to leave voicemails and have not received any return calls. I would like my funds released to me before the contractor puts a lien on my house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I am filing a complaint regarding persistent and unresolved errors in my federal student loan payment count handled by MOHELA. I have been disputing inaccuracies in my qualifying payment count for approximately XXXX years. Despite repeated outreach to MOHELAincluding multiple emails, phone calls and formal complaintsI have not received a substantive or corrective response. Approximately XXXX year after initiating these disputes, I escalated the issue to the U.S. Department of Education Ombudsman. However, the issue remains unresolved, and my payment count is still incorrect. The letter filed is below XXXX XXXX I am writing to formally dispute multiple errors in the qualifying payment count for my federal student loans under the Public Service Loan Forgiveness ( PSLF ) program. Despite repeated efforts over the past XXXX yearsincluding phone calls and written correspondence to MOHELA and StudentAid.govmy payment history remains inaccurate and incomplete. I am a full-time special education teacher and have worked in qualified public service positions consistently since XXXX. However, your records do not reflect several verified periods of employment and eligible payments, including : XXXX. XXXX XXXX XXXX ( XXXX ) : This period was certified, but no payment was credited. XXXX. XXXX XXXX of XXXX ( XX/XX/XXXX ) : Mohela claimed I was a full-time student this month, which is incorrect. I was employed full-time, and this month should count as a payment as well. XXXX. Missing Payments : I made XXXX payments prior to the disputes mentioned above that are not reflected in my account. XXXX. XXXX XXXX XXXX ( XXXX XXXX ) : I recently re-certified my employment. While I received credit for XXXX, no payment credits are showing for XXXX, XXXX, XXXX, XXXX, or XXXX. Additionally, XXXX, XXXX, and XX/XX/XXXX are missing from my payment record. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) : This period was certified, but no payment was credited. At this point, I believe I should have only XXXX payments remaining to qualify for forgiveness. Currently, my loan account reflects XXXX separate and inconsistent forgiveness dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am requesting an immediate and thorough review of my PSLF payment history, along with : A full breakdown of my qualifying payments month by month A clear explanation of any disqualifications Correction of any errors regarding employment dates or payment application This process has become unnecessarily long and distressing. Please prioritize correcting this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management Inc is reporting a {$570.00} collection on my XXXX, XXXX, and XXXX credit files with XXXX XXXX XXXX as the original creditor. INADEQUATE VERIFICATION : In response to my prior dispute Midland has not produced any original account statements from XXXX XXXX XXXX showing the complete history of this account from opening through charge-off. Under the standard established in Hinkle v. Midland Credit Management Inc ( 4th Cir. 2016 ) a case in which Midland Credit Management was the named defendant verification requires documentation from the original creditor confirming the debts existence, amount, and ownership. Midland has actual notice of this standard as the named defendant in that case yet continues providing inadequate verification in response to consumer disputes. UNVERIFIABLE BALANCE : Midland is collecting {$570.00} on this alleged account but has not produced original creditor documentation showing how this balance was calculated from opening through charge-off. Without complete account statements the {$570.00} balance can not be independently verified as accurate. STATUTE OF LIMITATIONS : The Texas statute of limitations for civil collection on this account has expired. The Date of XXXX Delinquency on this account was XX/XX/XXXX per XXXX reporting. Midland has acknowledged in writing they will not sue on this debt yet continues monthly derogatory reporting refreshing a static collection account. CONTINUED REPORTING DESPITE ACTIVE DISPUTE : This account has carried an active consumer dispute flag on all three bureaus for an extended period. Despite this Midland continues monthly updates refreshing the derogatory status without conducting a meaningful investigation as required under FCRA XXXX ( b ) and XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX. XXXX ). As a direct result of this continued unverified reporting I was forced to accept a subprime auto loan at approximately XXXX % APR in XX/XX/XXXX requiring my XXXX daughter as cosigner representing approximately {$14000.00} in excess interest charges. I am requesting deletion of this tradeline from all three bureaus or production of complete original creditor documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AR

Complaint narrative:
Company : U.S. Bank ( ReliaCard ) Complaint : I am filing a complaint regarding my U.S. Bank ReliaCard, which was issued for unemployment benefits. I have been unable to access my funds for over XXXX weeks due to repeated and unresolved fraud locks placed on my account. Since receiving the card, it has only worked XXXX time. Every other attempt to use the card, log into the website, or access the mobile app results in the account being fraud-locked. When I call the number on the back of the card, I am prompted to enter my card number, CVV, and the last XXXX digits of my Social Security number. The system confirms the information is correct but then immediately locks the account again. Additionally, when attempting to log in online or verify my identity through their designated verification system, the same information is incorrectly flagged as invalid, preventing me from accessing or resolving the issue. On [ XX/XX/year> ], I spoke with a supervisor to resolve this ongoing issue and request access to my funds ( over {$700.00} ). During this call, the supervisor became unhelpful and ended the call abruptly. I later discovered that my card had been deactivated at approximately the exact time the call ended ( around XXXX PM ), without my consent or a clear explanation. This has caused significant financial hardship, as I have been completely unable to access money that rightfully belongs to me. I have made multiple attempts to resolve this issue through customer service without success. I am requesting the following : Immediate access to all funds on my account A full explanation of why my account was repeatedly fraud-locked and ultimately deactivated Confirmation that my identity verification issues have been corrected Assurance that this situation will not occur again This experience has been extremely frustrating and concerning, especially given the lack of accountability and the inability to access essential funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Original creditor PORTFOLIO RECOVERY open date-Apr XXXX, XXXX i have asked the debt collector for the original documents stating the date time and document for this not contract

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
XX/XX/XXXX - I turned in paperwork to have loans forgiven after teaching over XXXX years ( actually XXXX years ) and XXXX qualifying payments. I then submitted a buy back of XXXX months to officially be finished in XX/XX/XXXX. Since then, I have called XXXX XXXX XXXX at the end of each month and have been told it is still in review. It has been over a year. I realize there have been layoffs and short staff. Prior to XX/XX/XXXX, it was taking people XXXX months. I would just like to know how much longer.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.

Complaint narrative:
I am filing a complaint against a collection agency regarding their attempt to collect an invalid debt and their illegal reporting of an actively disputed debt to a credit bureau, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The agency is attempting to collect a balance of {$260.00} originating from a former apartment lease. I am strictly disputing this debt because the original creditor 's ledger shows the balance relies on {$310.00} in post-move-out charges for " housekeeping '' and " carpet clean/deodorize. '' Under Texas Property Code 92.104, a landlord is strictly prohibited from retaining a deposit or charging a tenant for " normal wear and tear '' or routine apartment turnover cleaning. Upon receiving the initial collection notice, I exercised my rights under the FDCPA and sent a formal written dispute and request for validation to the collection agency via XXXX Certified Mail in late XX/XX/2026. I possess the physical XXXX Return Receipt ( XXXX XXXX ) proving the collection agency officially received my formal dispute in early XX/XX/2026. Despite receiving my dispute, the agency failed to lawfully validate the debt or address the illegal wear-and-tear charges. Instead, on or around XX/XX/2026, the agency illegally reported this actively disputed and unvalidated account to XXXX. Reporting a formally disputed debt to a credit reporting agency without providing lawful validation is a direct violation of federal law. I am demanding that this collection agency immediately cease all collection efforts regarding these legally prohibited fees, close the account, and immediately submit a deletion request to XXXX ( and any other consumer reporting agencies ) to completely remove this invalid tradeline from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation