vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Transform Credit Inc.
State: GA

Complaint narrative:
Since XX/XX/year>, I have repeatedly requested a full payoff ( {$6300.00} at that time ) because the primary borrower ceased payments. Despite my clear and repeated requests for 'Paid in Full " credit reporting, Together Loans ( formerly Transform Credit ) has obstructed the payoff process for two months. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent formal emails ( including a Regulation Z notice ) requiring a payoff confirmation but they keep sending 'settlement ' links. This seems like intentional delay of my 36 % APR payoff to force a XX/XX/XXXX payment of {$270.00}. I am ready to pay {$6400.00} which they quoted me XX/XX/XXXX, but they refuse to provide the legal 'Paid in Full " confirmation required to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CITIBANK HAS NOT CLOSED MY CREDIT CARD ENDING IN XXXX ... HOW DO I KNOW? BC I RECENTLY TESTED IT AND CHARGED IT WITH THE VENDOR/MERCHANT, XXXX. I HAVE A SCREEN SHOT TO PROVE IT... YET, EVERY TIME I CONTACT CITIBANK, OH ITS BEEN CLOSED... LIARS. I WANT MY CREDIT CARD CLOSED OR I WILL SUE.

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 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: CA

Complaint narrative:
I paid off my auto loan with XXXX XXXX XXXX in full on XX/XX/XXXX. As a participant in California 's Electronic Lien and Title ( ELT ) program, XXXX XXXX was required to submit an electronic lien release to the California XXXX. Under California Vehicle Code 5753 ( c ) ( 1 ), lenders must release the title within XXXX business days of receiving full payoff. XXXX XXXX attempted to submit the electronic lien release in XX/XX/XXXX, but the XXXX rejected it. XXXX XXXX has now admitted that they received this rejection and took no action to correct or resubmit it. They never notified me of the rejection. The lien remained active on my vehicle record for over 19 months. I began contacting XXXX XXXX in XX/XX/XXXX to resolve the issue. Over the course of multiple calls, representatives initially told me the ELT had been transferred at the time of payoff, but could not provide any confirmation number or documentation. When I visited the XXXX, they confirmed XXXX XXXX was still listed as the active lienholder with no record of an electronic release. XXXX XXXX then mailed me a paper lien release ( REG XXXX, notarized XX/XX/XXXX ). The XXXX rejected this document because XXXX XXXX is an ELT participant, and paper lien releases can not be processed for vehicles with electronic/paperless titles. After continued calls, a representative finally confirmed on XX/XX/XXXX that the original XX/XX/XXXX ELT submission had been rejected by the XXXX and that XXXX XXXX never corrected or resubmitted it. The representative stated the ELT was successfully transferred on XX/XX/XXXX - over XXXX months after payoff. This delay has caused {$2400.00} in direct financial damages. Because I could not obtain a clean title, I was unable to sell the vehicle to a dealer offering {$8000.00}. I will now have to sell through XXXX for {$6300.00}, a loss of {$1700.00}. I paid {$450.00} in unnecessary auto insurance ( $ XXXX from XXXX through XX/XX/XXXX ) on a vehicle I intended to have already sold. I also paid {$260.00} to re-register the vehicle, which would not have been necessary had the lien been released on time. I am requesting reimbursement of {$2400.00} for damages directly caused by XXXX XXXX 's failure to act on the rejected ELT submission for XXXX months, in violation of California Vehicle Code 5753.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
They blocked my account on XX/XX/XXXX notified me XX/XX/XXXX that the account had been blocked for suspicious activity. I contacted them XX/XX/XXXX which was a XXXX to find out what I needed to do to get it unblocked they told me I needed to verify some questions I did so they told me they were able to unblock it but that I still owed {$320.00} and I would need to pay that. I asked if I could bring it to the bank to pay it and they told me no how am I supposed to pay this and unblock my account with no way to pay 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 2026-03-03 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: TX

Complaint narrative:
It is very upsetting to see that inaccurate accounts remain on my credit reports despite my efforts. I am begging for a careful and immediate review of the documents I provided so these issues can be permanently resolved and I can finally have peace of mind.

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 2026-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC Systems Inc reported XXXX collections on my credit report in XX/XX/XXXX XXXX in the amount of {$670.00} and XXXX in the amount of {$260.00}. On XX/XX/XXXX, I sent a written debt validation request via Certified Mail under 15 U.S.C. 1692g ( b ). Delivery was confirmed XX/XX/XXXX. I requested : Proof of legal ownership and authority to collect, copy of signed agreement, complete itemization of alleged debt, proof of assignment/transfer, evidence of reporting accuracy. IC Systems failed to provide any validation within the statutory timeframe and has continued reporting these accounts to credit reporting agencies. This conduct violates : 1 ) FDCPA 1692g ( b ) -Failure to validate and cease collection 2 ) FDCPA 1692e- False or misleading representations 3 ) FCRA 1681s-2 ( b ) - Failure to conduct reasonable investigation. I request the following : Immediate deletion of account from credit reporting agencies, written confirmation of deletion, investigation into systemic non-compliance.

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 2026-03-03 00:00:00
Product: Credit card — Store credit 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: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
Cherry technologies in last dispute, Had claims over year, did not follow federal and state guidelines for disputes, did not investigate with clinic performed fraud and Malpractice, did not consider XXXX and medical experts provings fraud malpractice, automatic denial of all fraud and Malpractice claims with no investigation as is also known in my case no investigation, also continued to turn in bad bad credit reports to agencies ruining my credit while under review, disputes over XXXX months by law Cherry technologies are by federal law are to be given in my favor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: LoanCare, LLC
State: TX

Complaint narrative:
I applied for a home equity line of credit in XX/XX/year> with XXXX XXXX XXXX Upon this application, the title report dated XX/XX/year> revealed incorrect lien filings by LoanCare Mortgage Servicing company. By XX/XX/year>, the mortgage officer, mortgage processor, and title company employees were not successful in getting the corrective documents completed by LoanCare, so I stepped in to try to get this corrected as I could not close on my HELOC until the title corrections were made. There were XXXX corrective documents needed. 1 ) Release of Lien to XXXX XXXX XXXX XXXX for the XXXX inactive mortgage and 2 ) Deed of Trust XXXX XXXX XXXX for the active XXXX mortgage. The XXXX mortgage release has been completed ; however the XXXX mortgage Deed of Trust has not been corrected regardless of my multiple attempts. I have proof of email communication requesting the corrections on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These emails consisted of all of the documentation I am including with this complaint along with a thorough explanation of what was needed. I would receive responses that my request had been satisfied or they could not release the lien because there is an active mortgage. At this time, I would explain again that the lien needed to be refiled, and would receive no response. The email on XXXX was to executives I was able to find on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Some of the emails bounced back, but the one to XXXX XXXX XXXX did not, yet I received no communication in return. I have confirmation from LoanCare Customer Service of the following call in dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. On XXXX when I stated I was going to file a complaint with CFPB, I was connected to a Supervisor by the name of XXXX. She did not give her last name, but stated she was going to take ownership of this situation and get a resolution. She was to call me back Friday, XXXX however I have heard nothing. During this time that I have not been able to close, I have been paying the difference in interest of XXXX % that would have been received through the HELOC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX on debt I am trying to consolidate. In addition, the initial credit report and appraisal went stale and new credit had to be pulled and a new appraisal completed.

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 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-03 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: NAVY FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union for violations of Regulation Z ( 12 CFR 1026.13 ) and the Fair Credit Billing Act regarding a fraudulent XXXX transaction totaling approximately {$650.00}. The Core Issue : I received a package from an XXXX merchant that was a fraudulent empty box. I immediately reported this to Navy Federal, but the bank incorrectly categorized the dispute as " Item Not Received. '' Because the merchant provided a tracking number showing " Delivered, '' the bank has repeatedly denied my claim without conducting a " reasonable investigation '' into the merchant fraud or package weight discrepancies. The Bank 's Failure to Act : I explicitly requested multiple times that the bank change the dispute category to " Significantly Not as Described / Empty Box Fraud. '' The bank failed to do so and continued to process the claim under the wrong category. On XX/XX/year>, the bank sent me a final denial stating the dispute is now " outside the allowable timeframe '' for further options. The bank essentially " ran out the clock '' by refusing to correct the dispute reason I provided, then used the resulting delay as a technicality to deny my rights. As a member of the U.S. XXXX XXXX XXXX, I am seeking a full reversal of the {$650.00} charge and all associated interest. Actions taken by me : Reported the fraudulent " empty box '' shipment to the merchant and Navy Federal. Specifically requested a category change to " Item Not as Described '' to reflect the empty box fraud. Requested the specific Reason Codes and evidence used for denial under Reg Z, which was not provided. Actions taken by Navy Federal : Categorized the fraud incorrectly and refused to update it upon request. Denied the claim twice based solely on " proof of delivery, '' ignoring the empty contents of the delivery. Issued a final denial on XX/XX/year> citing a timeframe expiration caused by their own failure to process the dispute correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a written request to PHH Mortgage Services to remove my Private Mortgage Insurance ( PMI ), as my loan-to-value ratio had reached 78 %. As of XX/XX/XXXX, I have received yet another denial email. Background When I originally obtained the mortgage ( through a different company ), it was clearly stated that PMI would be automatically cancelled once the loan-to-value ratio reached 78 % .This automatic cancellation did not occur after PHH Mortgage took over servicing of my loan. Communication Attempts I have emailed and called PHH Mortgage over 10 times regarding this issue. Each time, it takes them a very long time to respond, and recently they have stopped returning my phone calls altogether. PHH Mortgages Requirements PHH Mortgage told me that, to remove PMI, I must : Request a property valuation. Pay a non-refundable valuation fee of {$190.00} within 30 days of their notice. Fill out a form ( which does not appear to be official ) and submit a check. When I asked about this process, they explained it was required because my home is supposedly located in a FEMA-declared disaster zone. FEMA Inquiry I contacted FEMA multiple times and learned that the only relevant FEMA-declared disaster was the CA XXXX Fire ( XXXX ) starting on XX/XX/XXXX. This disaster is hundreds of miles away from my home. I asked PHH Mortgage which disaster they were referring to. After a long delay, they confirmed it was the CA XXXX XXXX. I explained this event does not affect my property. After several more calls and emails, PHH Mortgage sent me screenshots referencing CA Severe Winter Storms, but provided no clear explanation or next steps. Concerns PHH Mortgage is now only sending screenshots and is not communicating any actionable steps. After researching PHH Mortgage Services and PMI removal regulations, I do not trust their process. I am extremely hesitant to send a non-refundable check, especially since there is no guarantee that this will result in PMI being removed. Summary : PHH Mortgage Services is not honoring the automatic PMI cancellation policy, is making the removal process unnecessarily complex and unclear, and is citing FEMA-related requirements that do not apply to my property. Their poor communication and lack of transparency have left me without a clear path forward, and I am concerned about the legitimacy of their process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/year> at XXXX pm i went into the PNC Bank branch on XXXX XXXX, XXXX to withdraw from my debit card the amount of {$660.00}. I provided the directexpress debit, PNC bank card and Drivers License. All 3 were under by name. XXXX XXXX was rude and refused to bring the machine to insert the PIN for me and i had to divulge the PIN to her in order to initiate the withdrawal. After this transpired she wanted to fill some information which i have never encountered before and i refused to do that. Coincidently the ladies XXXX and XXXX were present who made similar transactions for me in XXXX and XXXX. When i questioned XXXX about this new form to fill she said every employee decides what makes them feel safe. I would assume Banks have rules and regulations and the staff is properly trained to abide by standard procedures. I feel i was robbed. PNC stole these federal funds that go towards SSI income for my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My XXXX account was frozen and my remaining balance of {$130.00} has been held by XXXX. I was informed that my funds would be held for 160 days, and I was told that all further communication would occur by email only. I have complied with all instructions and have sent multiple emails requesting updates and clarification, but XXXX has not responded to my emails or provided any meaningful communication regarding my funds. I rely on access to my money, and the continued lack of response has caused financial hardship. I understand companies may conduct reviews, but withholding customer funds without communication or reasonable access to support is unacceptable. I am requesting that XXXX either : 1. Immediately release my remaining balance of {$130.00}, or 2. Provide a clear written explanation for the hold along with a definite release date and a way to communicate with a representative. I am seeking assistance from the Consumer Financial Protection Bureau because normal customer support channels have failed and my emails have gone unanswered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This debit collector has done unjustifiable practices of the FDCPA which prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties that I didn't participate in any of it.They didn't follow the proper 5 steps validation procedure. According to the FDCPA, I'm entitled to compensation for the violation and clearly, they violated my rights.I demanded this account to be taken off. I demeans this company to delete this account from all 3 credit reporting agencies of u will have no choice but to forward this to my attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
My loan was with XXXX XXXX. They transferred us to Rocket Mortgage. Which is apparently just some kind of shell company run by AI. There is no way to speak to customer service. Just chat bots and circular phone routes. You can not get actual help to service your loan. When you verify your login ( after 45 attempts ) and getting codes over and over to email and phone, and finally are able to log in... it just leads to a page that shows your mortgage exists, but no information about payments, history, escrow, tax paperwork, or anything else. There is no way to view payment history through XXXX XXXX, no way to download my XXXX, no way to even see if the payments they are pulling from my account are going where they are supposed to go. And no way to contact support. XXXX XXXX needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXXXXXX a charge I did not make through XXXX online posted to my account for {$280.00}. Once I noticed the charge I locked my account on the chase app then I called them to notify them of the charge and requested a new card to be issued. They said they would take care of the charge and issued me a new card. As of today, XX/XX/XXXX, I just noticed the fraudulent charge was posted to my account on XX/XX/XXXX. So I called Chase and asked what happened. They said they contacted XXXX for information. They said whoever made the charge had my name, phone number, email, and they used my old address to make the charge, so Chase declined to reimburse me for the charge. But I was never notified of this denial. Chase said I needed to prove it wasnt me. Im not sure how else to prove it wasnt me because my information seems to have been stolen and I locked and called right away after I noticed the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX of XXXX I deposit my refund check into my PNC bank since than the bank have closed my account and restricted all access. The bank have my funds frozen into the account and wont issue me a cashiers check please help.

Company response to consumer: Closed with explanation