vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally report persistent servicing discrepancies with Onity Mortgage ( formerly PHH Mortgage ) regarding the failure to apply payments correctly to the borrower 's principal balance. Over the past XXXX calendar years, Onity Mortgage has repeatedly initiated electronic drafts from our designated bank account and failed to apply these funds to our mortgage account as required. These incidents have occurred multiple times, directly interfering with our ability to maintain accurate balance reports and disrupting our automated payment workflow. Key Issues : Failed Payment Application : Funds were withdrawn from our account but were not credited toward our mortgage principal or escrow. The amounts in question ranging from the bi-weekly amounts of/around {$1700.00} to the full amount of {$3500.00}. The most recent notice of a " failure to pay '' despite withdrawn funds was XXXX XXXX, 2026. The funds for this notice should have been applied on XX/XX/XXXX but were not. Recurring Nature : This issue has persisted over the last 24 months, indicating a systemic failure rather than an isolated error. Impact : These errors have distorted our account balance statements and created uncertainty regarding our loan status. Thrice now we have receieved notices of our " failures to pay '' despite the money being present in their system but not applied to our mortgage. At one point there were threats of forebearance. We were previously " paid ahead '' by XXXX month and paying bi-weekly installments of 50 % of the mortgage to lessen the financial burden. Evidence : We have comprehensive documentation supporting this claim, including : Bank Statements : Showing the successful deduction of funds from our account. Loan Account Statements : Demonstrating that the corresponding payments were not applied to the loan balance. Audio Recordings : Recorded conversations with Onity Mortgage representatives acknowledging the discrepancies and the failure to process payments. Requested Action : We request that the Texas XXXX investigate these servicing practices and contact us to facilitate a remedy. Specifically, we seek : Immediate application of all unapplied funds to our account. A written explanation of how these errors occurred. Confirmation that our account is current and accurate moving forward.

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 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : Dispute of Inaccurate Balance Reporting Account Number : XXXX To Whom It May Concern, I am formally disputing the accuracy of the balance being reported and/or furnished for the above-referenced account associated with Portfolio Recovery Associates. After reviewing the documents recently provided in response to my dispute, I have determined that the information currently being reported can not be considered properly verified or accurate under the Fair Credit Reporting Act. The documentation provided includes a historical billing statement from a XXXX Bank XXXX XXXX account dated XX/XX/year> reflecting a balance of approximately {$850.00}. 4902_D3.PDF However, the balance currently being reported by XXXX XXXX XXXX is {$2100.00}. 4902_D3.PDF No competent evidence or itemized accounting was provided explaining : how the balance increased, what interest or fees were added, whether additional charges accrued after charge-off, or how the current reported amount was calculated. Additionally, the documents provided failed to include : a complete payment history, a charge-off accounting, an itemized balance calculation, authenticated business records, or sufficient documentation establishing the accuracy of the reported balance. Because the documentation supplied does not substantiate the amount being reported, I dispute the accuracy and completeness of the balance information pursuant to FCRA 1681i and FCRA 1681s-2 ( b ). I request : A reasonable investigation into the accuracy of the reported balance ; Complete itemized accounting supporting the amount claimed ; Identification of all fees, interest, or adjustments added after default ; The date and amount of the alleged charge-off balance ; Correction or deletion of any information that can not be fully verified with competent documentary evidence. Please note that reporting information that can not be accurately substantiated may constitute the furnishing of inaccurate or misleading information under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I request that this matter be reinvestigated and corrected promptly.

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 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc.
State: NY

Complaint narrative:
I took out an installment for XXXXXXXX XXXX I then canceled the flight and had it refunded back to my zip account on XX/XX/XXXX, zip representatives told me they see the refund on XX/XX/XXXX but it needed to be manually applied no one ever applied it every representative has given me the run around saying I cant speak to a supervisor and someone will contact me no one has contacted me then they told me theyre escalation team is handling it then another rep told me the rep before didnt put in the refund right everyday its nonsense they took XXXX installment payments in the amount of {$81.00} for one and the XXXX {$98.00} from my back account when the money has already been refunded to them they keep trying to take Money from me that was sent back already and I have the proof from XXXX XXXX when they refunded everything I sent them that information as well with a reference number for the refund from XXXXXXXX XXXX they refuse to refund my money and keep telling me to speak to the merchant who has already refunded the money in the amount of {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject : Failure to Validate Debt and Investigate Dispute I am filing a complaint against LVNV Funding LLC regarding collection reporting appearing on my credit file. On XX/XX/year>, I mailed a certified debt validation and direct dispute request asking LVNV Funding to provide : - Proof of ownership of the debt - Chain of title - Original agreement - Full accounting of the balance - Documentation supporting its authority to collect and report the account LVNV Funding failed to provide adequate validation documentation and continues reporting the account despite unresolved disputes regarding accuracy and ownership. I believe this conduct violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I request that CFPB require LVNV Funding to : XXXX. Provide full validation documentation XXXX. Conduct a lawful investigation XXXX. Delete unverifiable reporting XXXX. Cease inaccurate reporting practices I have retained copies of my correspondence and certified mail receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding Citibank, N.A.s closure of my Citi / AAdvantage Platinum Select account ending in XXXX, effective XX/XX/year>. This account was not an account I independently opened with Citi in the ordinary course. It originated from my prior XXXX XXXX XXXX account ending in XXXX, which was transferred to Citi as part of the XXXX XXXX co-branded credit card transition. During that transition, I understood from XXXX and XXXX XXXX that cardholders would receive continuity and that the transfer would not result in disruption or closure simply because Citi became the new issuer. Despite those assurances, Citi notified me on XX/XX/year> that my account was closed. The notice states that I may request a written statement of the specific reason or reasons for the closure by writing to Citis XXXX XXXX XXXX before XX/XX/year>. The notice does not provide the actual reason for the closure. This is especially concerning because Citi previously closed all of my Citi accounts approximately three years ago. That prior experience caused significant disruption. I relied on XXXX and XXXX XXXX assurances that the transferred XXXX XXXX account would not be subject to the same type of closure or adverse treatment simply because Citi became the exclusive issuer. Now, the same issue appears to have happened again. I am concerned that Citi may have relied on an internal restriction, risk flag, XXXX notation, blacklist, prior relationship history, inaccurate information, incomplete transferred data, or other undisclosed adverse information when it closed this transferred account. I am also concerned that Citis handling of this account undermines the purpose of the XXXX XXXXXXXX XXXX transition and the representations made to cardholders about continuity. I am requesting that Citi provide a complete written explanation for the closure, including whether the closure was based on XXXX, identity verification, credit, risk, compliance, internal policy, prior Citi account history, XXXX transfer data, XXXX XXXX transfer data, or any other reason. I am also requesting that Citi disclose whether the closure was connected in any way to Citis prior closure of my Citi accounts approximately three years ago. I have also requested executive administrative review from Citi and XXXX XXXX because this is not a routine closure. It involves a transferred co-branded XXXX XXXX account and appears to repeat a prior account-closure pattern involving Citi.

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 2026-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/year> I was notified that my checking and savings account ( joint account ) were both closed with Ally bank only when attempting to log in. I never received a notice in the mail. We called the company multiple times to get an explanation and they stated it may have been due to a dispute. A dispute was filed at a point in time with the primary account holder on the separate account also associated with Ally bank. Those accounts were not closed, but our joint savings and checking accounts were. No disputes have been associated with these accounts. Ally bank is refusing to give us an answer as to why the account closure occurred. We understand they are allowed to close an account at any point, but we also deserve to know the reason why and be informed if there is any sort of security breach or fraud activity.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: OH

Complaint narrative:
This company was paid on XX/XX/year> for a debt that was owed to XXXX XXXX. They never submitted to XXXX XXXX that the debt was paid and XXXX XXXX is still reporting to my credit as being not paid. I have the receipt stating it was paid by an XXXX on the XXXX, but they failed to notify XXXX. This is going to cost us a purchase of a house. The loan companies are not going to give us a loan because of showing a negative balance to a XXXX bill that has already been paid..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was in a shelter between XXXX and XXXX I found a job that they had posted on the employment board it was a work from home job all I needed was a smartphone or some kind of Internet device checks were deposited and the company was not real the checks were bad my account was closed haven't been able to open account since then I'm a XXXX XXXX I'm and XXXX I've been having XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 4 times in a year I'm in a XXXX home I have had multiple surgeries and in out of hospital the past year and a half my family can only help me with XXXX I need a bank account so they can send me the kind of resources I need and open my business account and there are credit cards in my name I'm getting texts emails and phone calls please someone help me my faith keeps me pursuing this even thought I'm dealing with these health issues

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 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Arivo Acceptance, LLC
State: AZ

Complaint narrative:
Total Sale price : {$48000.00} Amount financed : {$31000.00} Finance Charge : {$15000.00} ( this I do not remember. Annual percentage rate : 13.85 % I have paid {$640.00} for 47 months, never late, never missed. In my credit report the loan is $ XXXX, Ive already paid $ XXXX and I still owe $ XXXX. XXXX XXXX in XXXX selling a XXXX XXXX XXXX with XXXX miles for {$48000.00} in XXXX is worth scrutinizing. That mileage on that vehicle at that price point is a red flag. They likely knew exactly what that car was worth and financed it through Arivo Acceptance, which is a subprime lender meaning they specifically target people with challenged credit and profit from it. Thats not an accident. Thats a business model. The car is currently worth {$5500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kingston Data & Credit International Inc.
State: FL

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute inaccurate and unverifiable information on my consumer report. This account does not belong to me and must be deleted immediately. Disputed Item : Furnisher : Kingston Data & Credit / Kingston Data and Credit International Inc. Account Number : XXXXXXXX XXXX XXXX Date Opened/Reported : reported XX/XX/year> Balance/Status : {$510.00} Basis for Dispute : This is an unknown account that appeared on my credit report without my knowledge, consent, or any prior notice. I have never had any contractual relationship, transaction, or agreement with Kingston Data & Credit or any associated original creditor. I received no statements, demands, or validation prior to its reporting. This information is false, inaccurate, and can not be verified as belonging to me. Under FCRA 611, you are required to conduct a reasonable investigation, forward this dispute to the furnisher ( Kingston Data & Credit ), and delete the information if it can not be verified as accurate and complete. The burden of proof rests entirely on the furnisher and the bureaus I have no obligation to prove a negative. Reporting unverified information violates the FCRAs accuracy and reinvestigation requirements. I demand the following : XXXX. Immediate deletion of this entire tradeline from my credit file. XXXX. Written confirmation of the deletion within the statutory timeframe. XXXX. Notification to all recipients of my report in the past two years that the inaccurate information has been deleted. Failure to delete this unverifiable account will constitute a further violation of the FCRA, for which I will seek all available remedies, including damages, attorney fees, and regulatory complaints. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: CO

Complaint narrative:
Beyond Finance held a remaining balance of {$990.00} in our account after we canceled the program. Throughout the entire cancellation process, the company never clearly explained whether we would receive a refund, how much would be refunded, or what would happen to the remaining funds. We repeatedly contacted the company by email and phone requesting clarification about the balance and refund status. Our emails were ignored, and during phone calls representatives only stated that we would get a refund without providing any details or written confirmation. More than a month later, Beyond Finance verbally stated for the first time that the remaining {$990.00} had been retained for fees. However, they still refused to provide any written itemization, accounting, or contractual explanation supporting why the funds were withheld. We are unable to verify : what fees were charged, how those fees were calculated, what services were allegedly completed, why no refund information was provided during cancellation, or whether retaining the {$990.00} complies with the contract and applicable consumer protection laws. We are requesting a formal investigation into Beyond Finances handling of our funds, failure to communicate transparently, and refusal to provide written documentation regarding the remaining balance after cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MO

Complaint narrative:
They have accused me of violating tears an guideline. On XXXX XXXX I open a branch new account and no sooner I open my account they lie to say I violated an never done any think because my account did not have to tractions on it neither did I have a chance to order me a card. So I was mad for them keep doing faults accusation against me an am tried these not the first time they have done these to me. I ask them from proof showing what is going on but to claim they can not show me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding Chases handling of my dispute for {$1600.00} related to a purchase with XXXX XXXX XXXX made using my Chase debit card. On XX/XX/year>2026, I purchased airline tickets through XXXX XXXX using my Chase debit card. During the checkout process, XXXX XXXX represented that travel insurance/trip protection was available as an option. This representation influenced my purchase decision because having trip protection was important to me. XXXX XXXX directly confirmed in writing that I was unable to purchase travel insurance because I am located in the United States, despite the insurance option appearing in the booking flow. I also encountered an error message during checkout stating that insurance pricing could not be retrieved. This created a misleading purchase experience. I filed a dispute with Chase regarding this transaction and submitted supporting documentation, including screenshots of the checkout error and written confirmation from XXXX XXXX. Chase denied my claim, stating that the transaction was authorized/processed according to the information provided. My concern is that while I did authorize the purchase, I did so based on misleading representations during the merchants checkout process, and Chase did not adequately investigate the evidence showing that the promised option for travel protection was not actually available to me as a U.S.-based customer. I am requesting that Chase reopen and fairly reinvestigate this dispute, fully review the evidence submitted, and reimburse the disputed amount of {$1600.00} if the investigation confirms the merchants misleading representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
On XX/XX/year>, I placed an order for XXXX items totaling {$120.00} what I received were XXXX different items totaling {$60.00}, but was charged the full amount of {$120.00}, this was a target.com order, order # XXXX I have called Target customer service XXXX times, and they claimed that the correct items were shipped when in fact, they were not doing a review on their website of reviews for this item shows this happened to XXXX other people, I then called the target Circle credit card phone number, and they kept bouncing me around the different people and refused to dispute the charge I have attached pictures of what I received and an invoice show what I was charged. The picture shows XXXX XXXX, which are half the price of the XXXX 's which is what I ordered. Hence, I ordered XXXX 's and received blasters. Thank you

Company response to consumer: Closed with monetary relief