vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: ME

Complaint narrative:
I have an FHA-insured mortgage serviced by XXXX XXXX  XXXX MidFirst Bank XXXX XXXX 
I received a XXXX  XXXX bankruptcy discharge on XX/XX/year>. After discharge, I sought to reinstate my loan and cure arrears without changing my original loan terms. 
My total past-due amount was approximately {$5700.00}. I proposed a reasonable repayment plan consisting of a {$3000.00} lump-sum payment followed by repayment of the remaining balance over 12 months, in addition to my regular monthly payment. 
XXXX XXXX  denied my repayment plan and instead required me to accept a Combination Loan Modification and Partial Claim that would increase my interest rate from 3.125 % to approximately 6 % +, creating new long-term post-bankruptcy debt. 
I have repeatedly stated in writing that I do not consent to a loan modification that increases my interest rate and that I am requesting a repayment option only. The servicer has refused to offer or properly evaluate a repayment plan and has stated that my only option is the higher-interest modification. 
This conduct is occurring after my bankruptcy discharge, when a loan modification should be voluntary. I have also experienced conflicting information, lack of clear written explanations, and difficulty communicating with the servicer regarding why less harmful FHA loss-mitigation options were denied.

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 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Formal Complaint : Auto Loan Fraud, Unauthorized Withdrawals, and Continuing Harm To Whom It May Concern, I am filing a formal complaint regarding Navy Federal Credit Unions handling of a fraudulent auto loan and repeated unauthorized withdrawals from my account, despite notice and dispute. 

Navy Federal issued an auto loan for the purchase of a truck that was never delivered. I did not endorse or authorize endorsement of the loan check. The dealer negotiated the loan proceeds and then disappeared, leaving me without the vehicle or collateral. 

I made two payments before discovering the fraud ; these payments were made under false pretenses and do not constitute authorization or acceptance of the loan. 

After I reported the fraud, Navy Federal withdrew additional payments from my account without my authorization, even after notice, dispute, and regulatory escalation. I did not authorize any ACH debits, transfers, or setoffs related to this loan. These actions constitute ongoing unauthorized electronic funds transfers under Regulation E and represent continuing consumer harm after notice. 

The dealer involved has access to my sensitive personal identifying information, including my Social Security number, date of birth, and drivers license number, and has made violent threats against me. Law enforcement has been notified. 

I am requesting immediate corrective action, including : A full fraud investigation Immediate reversal and provisional credit for all unauthorized withdrawals A hard stop on all debits and collection activity Rescission of the fraudulent loan due to non-delivery of collateral and lack of authorization Correction of any negative credit reporting Written confirmation of all actions taken I am requesting regulatory review to ensure Navy Federals compliance with federal consumer protection laws, including Regulation E, and to prevent further harm. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX Loan # : XXXX Accounts ( last XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Case Number XXXX XXXX XXXX XXXX # XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: ID

Complaint narrative:
-Improper Service -Alteration of court documents ( on video ) -Vague or aggressive language -non compliance with FDCPA, No validation of debt notice -No notification of an attempt to collect a debt -first contact is a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I purchased an extended warranty for my new vehicle from XXXX XXXX XXXX. This extended warranty was added as part of my balance for auto loan in wells fargo. 
XXXX weeks later, I requested cancellation. The dealer sent the refund for the remaining warranty ( {$4900.00} ) to wells fargo auto loan, and XXXX has informed me that they received the refund XXXX weeks ago. 

However, ever since then they have been ignoring my emails, and my money is no where to be found. I would like update on how the money will be returned to me. ( direct deposit? taken off the principal? when? )

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 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

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 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Description of XXXX : I am filing this complaint because an inaccurate and unrecognized collection account is being reported on my Trans Union credit file. The account is listed under XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX for the amount of {$320.00}. 

I have no record of any financial agreement or contract with XXXX XXXX XXXX XXXX or any underlying original creditor for this amount. I do not recognize this debt and believe it is either a reporting error or a result of identity inaccuracies. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request a full validation and verification of this information. To date, this item remains on my report despite it being unverified and unrecognized.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am asserting my rights under the XXXX XXXX XXXX XXXX ( XXXX ). 
The XXXX limits interest on covered obligations to no more than XXXX XXXX per year during qualifying periods of military service and prohibits related fees and penalties that exceed what would be allowed under the capped rate. 
I notified the creditor of my qualifying military service and requested application of SCRA protections to my account. Despite receiving notice, the creditor continued to : Charge interest in excess of the XXXX XXXX XXXX cap Assess late fees and/or penalty charges tied to the excess interest Fail to retroactively adjust the account as required by law The obligation at issue was incurred prior to my qualifying military service, making it a covered obligation under the XXXX. 

Under the SCRA : Interest on covered obligations must be capped at XXXX XXXX during qualifying service Interest includes late fees, service charges, renewal fees, and other penalties Excess interest and fees must be forgiven, not deferred Once proper notice is provided, creditors must retroactively correct the account The creditor failed to properly apply these requirements and did not provide documentation showing lawful compliance with XXXX standards. 

As a result of this failure : I was charged interest and fees that are prohibited by federal law My account balance was improperly increased I experienced financial harm and administrative burden My statutory protections as a servicemember were not honored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is reporting multiple collection accounts on my credit report that I previously disputed through the credit bureaus. The disputes were submitted in good faith because the accuracy, ownership, and balances of the accounts were unclear. 

After my disputes, Midland Credit Management verified the accounts but did not provide documentation showing proof of ownership, assignment from the original creditors, itemized balances, or complete payment histories. No supporting information was provided to demonstrate that the debts are legally owed as reported. 

The accounts continue to be reported with balances and collection status despite no consumer activity, which is causing ongoing harm to my credit profile. I have taken action by disputing the accounts and requesting verification, but the company has failed to provide the requested information or conduct a reasonable investigation. 

I am requesting that Midland Credit Management either provide proper verification of the alleged debts or remove the inaccurate collection accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Complaint Summary I am reporting a missing business ACH e-payment for {$1200.00} sent on XX/XX/year> from my Bank of America XXXX account using XXXX XXXX XXXXXXXX XXXX XXXX XXXX system, which utilizes Bill.com as a third-party processor. 
Bank of America has confirmed multiple times that the payment was successfully delivered to the receiving bank ( XXXX XXXX  ) under the correct account number. Bank of America also stated the payment appeared to be associated with another internal account reference that they could not see. 
XXXX XXXX  has confirmed they have no record of the payment posting, pending, or being returned. 
I opened a claim with Bank of America, but it was denied without explanation, despite confirmation that the funds were delivered and never reconciled. I was not provided an ACH trace number, addenda details, or evidence of final disposition.

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 non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Date was XX/XX/year> An impersonator called me. The caller id showed citizens bank phone numbers. Said was from fraud dept. Knew everything about my accounts and all including balances. Said he was trying to stop a transaction and texted me a code. The bank ask for a code Everytime I call them. When he received this code he used it to illegally send a wire transfer of XXXX out of my checking acct. 

When I found out he was not from the bank I reported it first thing in morning on XXXX. 

I called everyday and visited my local branch as well. They would not give me updates at all. Spoke with a XXXX over the phone in fraud dept. She told me my money was insured and guaranteed but they did not know when I would get it back. 

Today I received a letter saying their investigation was complete and that were not refunding any of my money. They said I made a purchase and initiated the transfer. If they would have traced ip addresses and did their diligence. They would have realized I never authorized this transaction EVER. 

The perpetrators need punished for committing a felony and the bank needs investigated by the proper government agency for this type of behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am submitting this complaint against Portfolio Recovery Associates , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I sent Portfolio Recovery Associates a written cease-and-desist letter requesting that all telephone communication stop and that all future communication be made in writing only. This letter also requested validation of the alleged debt. 

The letter was sent via XXXX XXXX Mail. XXXX tracking confirms that the letter was delivered and picked up by an individual at the companys XXXX, Virginia office on XX/XX/year> at XXXX AM. 

Despite receiving this written notice, Portfolio Recovery Associates continued to place collection calls to me after XX/XX/year>. They have called multiple phone numbers associated with me, including calls made after receipt of my cease-and-desist letter. 

These actions constitute violations of 15 U.S.C. 1692c ( c ). In addition, although Portfolio Recovery claimed the debt was validated, they failed to provide competent evidence of liability, such as a signed agreement or proper chain of title. Instead, they continued collection activity while ignoring my written request. 

I am requesting that Portfolio Recovery Associates be required to cease all telephone contact immediately, communicate only in writing, investigate and correct these violations, and confirm compliance in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have neither authorized this inquiry nor had any contact with the lender on the stated date, and I kindly urge your office to remove this inaccurate inquiry from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
XX/XX/year> TO : RUBIN & ROTHMAN , LLC XXXXXXXX XXXX XXXXXXXX RE : Account Reference XXXX I am formally disputing this alleged debt in its entirety. 
This debt is not mine and appears to be the result of identity theft or error. 


I have never had an account or debt with XXXX  XXXX XXXX, XXXX. 


Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you are required to cease all collection activity immediately until you provide proper validation of the alleged debt. 


Enclosed is my Identity Theft Report. 


Any further collection activity without validation will constitute a violation of XXXX  and New York law. 


Sincerely, XXXX XXXX XXXX

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
In addition to the customer service and record-keeping issues described, I experienced a failed ATM withdrawal that resulted in a financial loss. 

I attempted to withdraw funds from my XXXX  bank account at an ATM. The ATM displayed a message stating that the transaction was declined, and I did not receive any cash. However, the funds were still deducted from my bank account. 

I contacted XXXX to address this issue and was informed that there was no record of my phone calls, despite receiving disclosures that calls are recorded. I requested clarification regarding call recording practices and assistance with the missing funds, but the issue was not resolved through live chat. 

As of now, my account reflects a debit for an ATM withdrawal that did not dispense cash, and I have not been reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
15 U.S.C. 1692g Debt validation I have the right to request validation of the debt The collector must stop collection until validation is provided They must prove : You owe the debt The amount is accurate They have authority to collect

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported my Bank of America debit card missing on XX/XX/year>, when my account balance was approximately {$18000.00}. Immediately after reporting the card stolen, {$18000.00} was withdrawn without my authorization. By XX/XX/year>, my balance was reduced to {$6000.00}, and by XX/XX/year>, my account was completely depleted. These unauthorized withdrawals occurred after I had promptly reported the card missing, XXXX XXXX  XXXX XXXX failure to implement adequate fraud protections and account safeguards, in violation of standard banking practices and federal regulations. 

Bank of America never issued a replacement card and left me without access to any of my funds for over XXXX year, despite my repeated calls and attempts to resolve the matter. Their slow, inadequate remediation caused irreparable financial harm, including : Loss of my home Loss of my vehicle Loss of multiple storage units containing personal property Severe financial and emotional distress These losses are directly attributable to XXXX  XXXX XXXX negligence, breach of fiduciary duty, and failure to follow federal fraud prevention protocols, including Regulation XXXX, which governs electronic fund transfers and consumer protection. 

When Bank of America later introduced the XXXX ( XXXX XXXX ) XXXX, I applied in good faith for relief based on the documented hardship I endured. My application was wrongfully denied, with Bank of America claiming I did not suffer any hardship. This decision is factually incorrect, legally indefensible, and inconsistent with the documented losses caused by their misconduct. 

Bank of America also refused to provide complete transaction records surrounding the fraudulent withdrawals, only supplying records from XX/XX/year> forward, obstructing my ability to fully document the fraud. This is a failure to provide essential account information, further violating federal standards for transparency and dispute resolution. 

At the time these events occurred, many Bank of America employees were working remotely. The total depletion of my account during this period raises serious concerns about internal controls, risk management, and compliance failures. 

XXXX  XXXX XXXX failures include, but are not limited to : Failing to protect my funds following timely fraud reporting Failing to provide uninterrupted access to my legitimate account funds Failing to resolve a fraud claim within a reasonable and legally required timeframe Failing to provide complete transaction records upon request Wrongfully denying hardship under the XXXX program despite clear evidence of financial devastation Negligent management and operational failures that violated federal consumer protection regulations

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 2026-01-22 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: WI

Complaint narrative:
On XX/XX/XXXX, I submitted a payment of approximately {$250.00}. On XX/XX/XXXX, I noticed it had not been credited to my account, so I called Mohela and was asked to submit proof of payment. 

XX/XX/XXXX, I submitted proof of my payment from the bank. Did not hear back from anyone. 

I emailed the company in XXXX and was informed that my inquiry was filed on XX/XX/XXXX, and it would take XXXX  days to investigate the matter. 
In XX/XX/XXXX, I requested an update and got the same XXXX response. 

XX/XX/XXXX, I called Mohela and was sent to a XXXX. She said that she would expitite the matter and it should be complete in XXXX days. 

XX/XX/XXXX, I called Mohela and was sent to a XXXX. I was informed that there would be a XXXX wait. XXXX hours later ( XXXX mins ), I had to hang up, without speaking to anyone, because I had another responsibility. 

XX/XX/XXXX, I called Mohela again, and was sent to a XXXX. This time, I was informed it would be a XXXX min wait. XXXX minutes later, without being able to speak to anyone, I had to hang up because of other responsibilities. 

On XX/XX/XXXX, I called Mohela and was sent to a XXXX. This time, I was told it was going to be a XXXX wait. XXXX minutes later, I had to hang up without speaking to anyone because I had to return to work. 

I also emailed Mohela between these calls and just received a brief response saying that I had already spoken to customer service about this matter. 

XX/XX/XXXX, and my account still has not been credited for the payment I made in XX/XX/XXXX.

Company response to consumer: Untimely response