vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GUARANTEED RATE INC.
State: PA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint against Rate ( Guaranteed Rate, Inc. ) regarding Mortgage Escrow Mismanagement I am filing a formal complaint against my mortgage broker, Rate ( Guaranteed Rate, Inc. ), regarding the gross mismanagement of my escrow account and their failure to pay my school real estate taxes for my primary home. Despite the Initial Escrow Account Disclosure Statement indicating that school taxes were to be paid from my escrow account in XX/XX/XXXX, these taxesoriginally due in XXXX XXXX unpaid to this day. I have made an exhaustive effort to resolve this, contacting Rate at least 15 times via email, phone calls, and voicemails. The following timeline outlines their consistent failure to act and their provision of false information : - XX/XX/XXXX : I received a delinquency notice from the XXXX XXXX XXXX. I immediately forwarded this to Rate. They confirmed they would rectify the situation and ensure no penalties were levied. - XX/XX/XXXX : I received a second notice from the county stating the taxes remained unpaid. On XX/XX/XXXX, XXXX XXXX from Rate confirmed via email that disbursement was scheduled for XX/XX/XXXX. - XX/XX/XXXX : XXXX XXXX provided a " receipt '' or confirmation of payment. - XX/XX/XXXX : I received a letter from the XXXX XXXX XXXX XXXX dated XX/XX/XXXX, confirming that the taxes remain unpaid. This indicates that the confirmation provided by Rate in XXXX was falsified or inaccurate. This negligence has placed me in a delinquent status with the county, risking liens and further legal action. Furthermore, because these taxes were not paid in the XXXX calendar year as required, I am now concerned about my ability to claim the Real Estate tax deduction on my XXXX tax filing. If I am unable to claim this deduction due to their failure to disburse funds already held in my escrow, I believe XXXX should be held liable for the resulting increase in my tax liability. I request that the CFPB investigate this matter to ensure my taxes and accrued penalties are paid immediately and that Rate is held accountable for their lack of transparency and professional negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mortgage Research Center, LLC

Complaint narrative:
The mortgage loan company has had issues within the last month of processing payments.In a timely manner, making our payments late. Mortgage company insists upon drawing payments out of our account.Electronically, and I don't wan na do that. Instead, we pay half of our mortgage payment XX/XX/XXXX a month, making complete payment with bank issued checks. We are always a month ahead. Something is not right, because we do this with all our bills. And not once, have we had any issues until now. So, why can't I complete our payments in a timely manner? When we have other bills going much further distance wise? Never had an issue when it was Paddio owned. Now that it's First R esidential.Now they want to draw our payments out of our account.And are making it very difficult to make payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am attempting to bring my mortgage loan current, but the servicer has repeatedly failed to accept my payments, causing the reinstatement amount to increase daily. On XX/XX/year>, I initiated a wire transfer for the reinstatement amount of {$4200.00} using the exact wiring instructions provided by the servicer ( Shellpoint Mortgage Servicing XXXX Newrez LLC ). The wire was returned to my account on XX/XX/year>. My bank indicated the wire was rejected by the receiving institution ( forbidden on the receiving end ), despite using the provided instructions. Since the loan was transferred to this servicer, I have also been unable to make payments through their online system. On XX/XX/year>, I was informed that the wire was rejected because the loan number was not included in the reference field. I was then provided updated instructions and a new reinstatement amount of {$5200.00}, which had increased due to the delay. I attempted again to resolve the matter by sending another wire on XX/XX/year> for the reinstatement amount. That payment was also rejected despite following the updated instructions. Throughout this time, I have made multiple good-faith attempts to pay and bring the loan current, including : Sending two separate wire transfers using the servicers instructions Attempting to make payment through the online system ( unsuccessful ) Repeatedly contacting the servicer to request correct payment instructions and escalation Despite these efforts, the servicer has been unable to process payment, and the reinstatement amount continues to increase daily while the loan remains in foreclosure status. The additional fees and increased balance are being caused by the servicers inability to accept payment, not by any failure or delay on my part. I am requesting : Immediate ability to make payment using verified and functioning instructions Adjustment of the reinstatement amount back to the original amount quoted on XX/XX/year> Removal of fees and charges that accrued due to these servicing and payment processing failures This matter is time-sensitive, and I am ready and willing to pay immediately once a valid payment method is provided. This matter is time-sensitive as the loan is in foreclosure status, and I am actively attempting to resolve it.

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 2026-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I am disputing a {$300.00} charge that resulted from a third-party travel agency misrepresenting itself as being affiliated with XXXX XXXX XXXX On XXXX XXXX, XXXX, I attempted to contact XXXX XXXX to inquire about canceling my XXXX flight due to XXXX-related issues. I was instead connected to a third-party agency ( XXXX XXXX ) that claimed they could upgrade my ticket to make it refundable. I was charged {$300.00} for this service. However, no upgrade, cancellation, refund, or ticket modification was ever provided. My booking with XXXX XXXX remains unchanged, and no confirmation was issued by the airline. After the charge, the merchant sent emails with inconsistent payment details and later requested sensitive personal documents ( birth certificate or marriage certificate ), which is unrelated to my request and raised fraud concerns.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Resurgent says I owe these XXXX debts to XXXX XXXX XXXX {$620.00} XX/XX/year> and XXXX {$610.00} from XX/XX/year> and I honestly have no idea that these are my debts. I'm refusing to pay them. I've told them like XX/XX/XXXX times I'm not paying them. Why are the sending me these debts that I'm not even sure are mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
We contacted Navient a while back and they said there was nothing we could do when we spoke to them. Originally, my husband & I came from very modest families. My Mom was a single mom on government assistance and my husband 's parents were living paycheck to paycheck. We both were the first to go to college in both of our family lineage. We had Sallie Mae & XXXX XXXX loans from the XXXX. I don't think it was more than XXXX total in our student loans originally. Then in the early XXXX we were enticed by financial institutions to refinance both of our loans into the XXXX XXXX XXXX XXXX because of financial hardship. They put us on a 20 year loan and 6.7 percent interest. Then I became a mother to XXXX XXXX children and were struggling even more financially. We contacted the company and they let us do a forbearance for up to 5 years since we could not afford to pay the rest of our bills. We lost our home around XXXX due to the US financial crisis. Interest had accrued exponentially on our Student Loans because of the forbearance. We were not educated in finance and did not realize the ramifications of this at that time ( internet and information was not accessible or available like it is today ). We have paid over {$50000.00} in interest thus far and over {$30000.00} toward the loan. We still have 6 years left in payments and still owe {$23000.00}. Our payment is {$380.00} per month. We are married 32 years and are putting our second child through college which is very expensive and trying to save for retirement. We are XXXX and XXXX. I am currently being treated for XXXX XXXX which is also expensive. We would kindly like to be considered for a discharge on this loan at this time. We have been paying this loan for 28 years minus the XXXX year forbearance ( not sure the exact time ). This would help out our family so very much so we can afford to continue to help our son through college and pay for my next XXXX XXXX, pay off our current mortgage and save the {$380.00} for retirement. Thank you so very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: VA

Complaint narrative:
Whether your U.S. Bank National Association position, characterized as a " closed with explanation, '' is materially deficient, fails to address the substantive raised, and does not satisfy your statutory obligations under Fair Credit Reporting Act ( FCRA ) and ECOA Equal Credit Opportunity Act ( ECOA ) will XXXX XXXX XXXX likely recover from your failure to demonstrate satisfactory statutory obligations under federal law. Probably, as you have not demonstrated : ( i. ) a permissible purpose for accessing my consumer report, in which constitutes as a breach of agreement I demand rescission of the addressed agreement with U.S. Bank National Association for all surrounding transactions assumed under the addressed application enclosed [ Federal Reserve Act 16 and 28 ] ; ( ii. ) that the reasonable procedures were followed to assure maximum possible accuracy as statutorily mandated ; ( iii. ) that a reasonable reinvestigation was conducted in response to my dispute; and ( iv. ) that any adverse action notice provided complied with, including specific, verifiable reasons and the identification of the consumer reporting agency relied upon.Your generalized claim that the inquiry " is accurate '' is not a legally sufficient response. Accuracy alone does not establish permissibility, nor does it validate the method, purpose, or authorization of the access. The absence of documented permissible purpose constitutes a violation, regardless of outcome. Further, failure to provide the method of verification, identity of the party furnishing information, and underlying records relied upon reflects willful non-compliance and willful misconduct. U.S. Bank National Association, assertion that you " do not tolerate discrimination '' reversed as a defense. As the failure to provide a complete and specific adverse action explanation, supported by verificable underwriting criteria, constitutes willful non-compliance weighing the fact of your boilerplate assertion.Your vague response compels ordinary persons would consider evasive, dismissive and discriminative. And fails to demonstrate compliance with statutory regulations, requirement to provide clear and conspicuous statement of reasons for adverse action. Accordingly, U.S. Bank National Association are hereby on notice and in receipt of this correspondence, as your response fails to meet the enclosed guidelines. Address the absence of documented authorization for Consumer report access ; Provide any investigative file, audit trail, or internal determination records ; rebut claims of false pretenses or misrepresentation ; and substantiate the decision-making process with evidence rather than evasive and dismissive tactics both fraud and swindle.

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 2026-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
My Cash App account was compromised without my authorization. I received an email notification that my Cash App PIN was changed, which I did not request or authorize. This indicates that an unauthorized person gained access to my account. Shortly after the PIN was changed, a XXXX withdrawal was made from my account without my knowledge or consent. I did not authorize the PIN change, the login, or the XXXX transaction. I did not share my credentials or grant access to any individual. I reported this to Cash App immediately, but my claim was denied with the explanation that the transaction was authorized. This response does not address the fact that my account was accessed and my PIN was changed without my permission prior to the transaction. This is a case of unauthorized account access and electronic funds transfer fraud. I am requesting a full reinvestigation and reimbursement for the unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I applied for loan forgiveness and cancelled payments I have XXXX XXXXXXXX XXXX XXXXXXXX and I was told that I am eligible for loan forgiveness and financial assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.

Complaint narrative:
On XX/XX/XXXX, I had to urgently travel back to XXXX due to a sudden family medical emergency. Before my departure, I contacted the Trails at XXXX leasing office multiple times. A staff member named XXXX assured me that, due to my family emergency, the early termination charges could be waived. I specifically asked XXXX if I needed to provide any documentation to support this, and she clearly told me no ; it was noted in the system, and I would incur zero termination charges. Based on this verbal assurance, I vacated the apartment and returned to XXXX. After I left, I was surprised to receive a bill for {$3500.00}. Since then, I have been repeatedly contacted by Southwest Credit, a collection agency, demanding payment. I immediately reached out to XXXX again after the bill arrived, but the Trails management told me that all further communication must be with the XXXX. I followed up with the XXXX via email, but despite my consistent attempts, the team did not honor the original promise. I want to stress that this was never intentional ; I was acting in good faith based on their guidance. I am currently in XXXX, have no income in the U.S., and I am facing severe financial hardship. If I had known this would not be waived, I would have arranged for a replacement tenant and avoided these charges entirely. I request that you obtain any available video or recorded evidence from that visit, as I believe it would clearly show what was communicated on that day. I ask for a complete dispute of this entire amount, as I was misled by the team and now face undue financial burden.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I opened a high yield savings account with XXXX by Santander. They accepted my {$50000.00} initial deposit and then listed my account as blocked. They initially could not give me a reason why my funds were accepted and then locked and told me to call back after XXXX business days. I called back after XXXX business days and was told that the bank was extending its right not to do business with me. They would not provide a reason. They said it will take up to XXXX days to return my deposit and would commit if the interest I would be owed would be paid. The representative told me I could speak to a supervisor but would be told the same thing.

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 2026-03-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Filled a few disputes because the atm did not release my funds from my military direct deposit. That was in XXXX filed dispute on XX/XX/XXXX thinking my funds would fall back in on XX/XX/XXXX they gave me a provisional credit and block my card could not access any funds. On XX/XX/XXXX they lock my account then permanently closed my account. With an email stating my funds will be mailed to me within 10 business days its now over 30 days no refund scourging to the law their in violation of regulatory E. This is beyond ridiculous Im behind on my bills and its setting me deeper into debt this is a follow up complaint from the original. Thank you XXXX XXXX card ending in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am filing a complaint regarding Wells Fargo denying my dispute for unauthorized debit card transactions totaling approximately {$1200.00}. These charges were made without my knowledge or consent while I was asleep, during early morning hours between XXXX XXXX XXXX XXXX XXXX and consisted of multiple rapid transactions. When I initially filed the claim, it was incorrectly categorized as dont remember this transaction instead of unauthorized use, despite me clearly stating that I did not authorize the charges. This misclassification impacted the outcome of the investigation. Wells Fargo denied my claim stating it did not meet fraudulent markers and is refusing to reopen or properly investigate it as unauthorized use. These transactions were not made or approved by me. I am requesting that Wells Fargo reopen the investigation under the correct classification of unauthorized transactions and provide reimbursement for the full amount.

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 2026-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am submitting a follow-up complaint regarding this matter because the companys prior response did not resolve my dispute. The company claims that a validation response was mailed to me on XX/XX/year>. I dispute this statement, as I have not received any such correspondence. The company has not provided any proof of mailing or delivery, such as certified mail tracking or confirmation of receipt. Additionally, the company has still failed to provide proper validation of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ). A claim that documents were mailed, without proof of delivery or actual receipt, does not satisfy their legal obligation. Furthermore, even based on their own response, it appears that only account statements were provided. This does not constitute proper debt validation. I requested documentation including a full payment history, a copy of the original agreement, and proof of the companys legal authority to collect this debt. None of this has been provided to me. Because proper validation has not been provided, I continue to dispute the accuracy and validity of this account. I am requesting : Proof of mailing and delivery of the alleged XX/XX/year> correspondence, and Full and proper validation of the alleged debt, or Immediate deletion of this account from all credit reporting agencies due to failure to validate. This account remains disputed until these issues are resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
The promissory note does not have my signature it just my name typed out, there was no proof of chain of custody, and the payment history was incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
XX/XX/year> I went to XXXX. I had told fed loan service before I went in as a self turn in that I was going. They did not tell me about any income based repayment. If they had my debt would be paid off now. Instead they simply told me, angrily that my payment was due. I want my debt that fed loan service sent to next lender dropped in full.

Company response to consumer: Untimely response