vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Real Time Group, Inc.
State: CA

Complaint narrative:
Key California Law : Assembly Bill 130 ( AB 130 ) Civil Code 2924.13 Signed by Governor XXXX XXXX on XX/XX/XXXX, and effective immediately, this law targets subordinate-lien residential mortgage loans ( second mortgages/junior liens ). It defines certain actions by mortgage servicers ( including current and prior servicers ) as unlawful practices, making foreclosure much harder or impossible if violated. Before a servicer can foreclose ( judicial or nonjudicial ) or even threaten to foreclose on a subordinate lien, they must : Certify under penalty of perjury ( record the certification and mail it to the borrower via certified mail ) that they have not engaged in any unlawful practices. Violations include : No written communication about the loan to the borrower for at least 3 years. Failure to send required periodic statements ( e.g., under TILA ) or servicing transfer notices ( e.g., under RESPA ). Threatening or conducting foreclosure after providing a form indicating the debt was written off or discharged ( e.g., IRS Form 1099-C ). Foreclosing or threatening foreclosure after the statute of limitations expires. Other misleading or non-compliant servicing actions. If any unlawful practice occurred, it can : Block nonjudicial foreclosure. Serve as an affirmative defense in judicial foreclosure. Allow courts to grant relief like enjoining the sale, striking arrears, barring foreclosure, or setting aside a completed sale. This law applies retroactively ( looks at past servicing history, including prior servicers ), so many old zombie seconds may be unenforceable if theres been long silence or improper handling. Industry groups challenged it as unconstitutional, but as of early XXXX, its still in effect ( with ongoing litigation, e.g., hearings noted in late XXXX ). Statute of Limitations in California This is a common defense for zombie debts : For the personal obligation ( suing on the promissory note/written contract ) : Generally 4 years from default ( Code of Civil Procedure 337 ). For foreclosure ( enforcing the lien ) : Nonjudicial ( most common in CA ) : Often 10 years from maturity date or acceleration, or up to 60 years if no fixed maturity ( e.g., some HELOCs ; XXXX XXXX XXXX or related provisions ). Judicial foreclosure : Typically aligns with the XXXX contract period as a defense. The clock can restart if you make a payment or acknowledge the debt in writing. AB XXXX explicitly makes foreclosing after expiration an unlawful practice. Federal rules ( via CFPB ) also prohibit debt collectors from threatening foreclosure on time-barred zombie debts under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I did deposit a check via mobile app to my Bank of America personal checking account in the amount of {$73000.00}. Account balance at that moment was {$61000.00}. I got notified by email that a hold on that check will be place in the amount of {$6400.00} until XX/XX/XXXX and {$66000.00} until XX/XX/XXXX, {$270.00} were available immediately. Today on XX/XX/XXXX BoA then made XXXX transactions on the account. The {$6400.00} and {$66000.00} as advised but also a hold on the full amount of {$73000.00}. That of course did result in a negative balance of ( {$9200.00} ). I also received a text message noticing me about a negative balance. I immediately called BoA and tried to explain the agent the situation but unfortunately she was not capable of understanding their mistake instead wanted to lecture me about the accounting process. I did demand to speak to a supervisor who then finally corrected the what she called " glitch '' in the system and apologized. I can not understand how an organization like BoA can make such a mistake or at least is not able to handle that immediately with first level support. I was lucky that I checked my account immediately and had it corrected without any damage done but it could have easily turned into a bigger problem. Besides the amount of time spent on that for having them correct an issue on their side I am kind of feeling insecure about how much I can rely on that well know institution.

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 2026-03-11 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: OH

Complaint narrative:
XXXXEFFERSONis falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSONis 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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I requested Validation of debt, debt collector failed or refused to provide validation as required by the FDCPA. The debt collector 's XX/XX/XXXX, attached response contains the statement that they are " attempting to collect a debt ''. XXXX XXXX XXXX ( a ) ( XXXX ) stated debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; XXXX is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. XXXX is not in receipt of " verification '' from debt collector. Consumer also attempted validation with the previous debt collector XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX failed or refused to provide verification. On XX/XX/XXXX XXXX mailed.. This is timely written Notice and Demand concerning the above-listed account, in accordance with State and Federal law, including the Fair Debt Collections Practice Act that you are to IMMEDIATELY CEASE and DESIST from : XXXX any collection activities on said account ; XXXX any further collection-type contact, in any form, written or telephonic, with me or XXXX XXXX ; XXXX any reporting XXXX XXXX credit reporting agency concerning said account, save and except to notify the credit reporting agencies to completely delete all history and information relating to said account. XXXX XXXX XXXX XXXX XXXX XXXX has XXXX federal and state law. Your continued violations will impede XXXX XXXX commercial ability and constitute harassment that XXXX subject you to substantial civil damages in addition to statutory fines and penalties. XXXX XXXX XXXX is continuing to attempt to collect a debt that has not been verified in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: OK

Complaint narrative:
L J ROSS ASSOCIATES IN is falsely reporting on my credit. I have never had any accounts with them. Per my research L J ROSS ASSOCIATES IN 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: Chime Financial Inc
State: IN

Complaint narrative:
Complaint Text On XX/XX/year>, an unauthorized debit card transaction in the amount of {$230.00} was charged to our checking account through the merchant XXXX Of All Trades. The debit card holder did not authorize this purchase and the card remained in the cardholders possession at the time of the transaction. After investigating the charge, the merchant confirmed the order details and provided shipping information. The merchandise was shipped to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX This address is not associated with the cardholder or our household. XXXX XXXX confirmed the shipment ( Tracking # XXXX ) originated from XXXX, Florida, the same location as the merchant, and was delivered on XX/XX/year> at XXXX XXXX to the XXXX address. A police report has been filed with the XXXX Police Department regarding this unauthorized use of the debit card ( Case XXXX XXXXXXXX ). Despite providing the merchant confirmation, XXXX tracking information, delivery confirmation photo, and the police report, Chime has denied the dispute multiple times. Because the merchandise was shipped to an address unrelated to the cardholder and the cardholder did not authorize the transaction, we are requesting that this matter be reviewed under the protections provided by the Electronic Fund Transfer Act and Regulation E. We are requesting a proper investigation and reimbursement for this unauthorized debit card transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Previous response by company was a summary of a phone call received from Capital One. My complaint was : Amount {$980.00} * full details attached as XXXX XXXX Background of Complaint : Purchase made via third-party seller on XXXX which did not meet its advertised details and had a defect with the display. Communications were made with XXXX and the third-party seller with no resolution ( i.e., not addressing the issue ). Chargeback initiated with Capital One based on their own claim example of what you received was not as described Claim denied due to reason The information the merchant provided shows that this transaction is valid. Complaint Summary : XXXX. Mishandling of a dispute claim XXXX. Inability to process and investigate a complaint, including inability to answer questions and provide answers XXXX. Inaccuracies between published dispute information and actual received information Complaint details : XXXX - Mishandling of dispute claim : The chief complaint here is that my submitted evidence ( quite a lot ) was not investigated, yet the documentation provided by the merchant, which Capital One have taken as gospel, was mostly irrelevant. I have NEVER stated I did not make the purchase but have provided Capital One with the details of the defect and the inaccuracies of the product description. XXXX Inability to deal with a complaint Firstly, on XXXX XXXX when speaking to a claims department customer service agent, I requested a formal complaint be raised ; to which I was told thank you for the feedback. The Executive Office are unable to deal with a complaint as they have " no access ''. XXXX - published information on Capital One 's website relating to the disputes process differs from what is actually received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: SD

Complaint narrative:
I received letter from LVNV and XXXX XXXX. About debts they bought and are supposedly mine. I asked for XXXX months now to provide all info in writing to my address and all the send is bank statements. No verification thats its mine or that I can prove to them is mine. I have no knowledge of these accounts and they can not provide all paperwork to me to prove its mine. They keep reporting to all credit reporting agencies that all info is correct and its not. They had them taken off my report just to put them back in a month later. And now Im being threatened to be sued for money I never spent or used. They can not provide info to me I asked and Ive sent cease and desist letters but they wont stop

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: VA

Complaint narrative:
I called in the call center ( XX/XX/year> ) for USCB America to set up a $ XXXX monthly payment plan. I discussed this bill was a XXXX bill I incurred before I joined the service. I thought this bill was taken care of after I left but got a notification from the debt collector that its in collections. The agent advised they can only take a payment of the amount of {$100.00}. Im told my total balance is {$650.00} and incurs interest if I don't pay it. Im in the XXXX and I can't have that much funds pulled from me while on XXXX. I asked if they can honor the SCRA benefit for service members, and I was told no because he had never heard of such a thing and refused to transfer me to a XXXX I advised multiple times that I'm willing to pay, however I can only pay a certain amount. The agent refused to assist me and I advised I would have to wait. I know the SCRA benefit helps in these situations and I want them to honor it. The website only allows payment plans that they offer and nothing you personally can negotiate. My issue is they won't honor the SCRA benefit. Until then I will have to wait until I return or if they are willing to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The XXXX XXXX banking app displayed a {$0.00} balance and {$0.00} minimum payment due on my credit card account for a period of time. Based on this information, I believed no balance was owed. However, interest continued to accrue and automatic payments were still being withdrawn. I later discovered that a balance and interest charges were accumulating even though the official XXXX app showed {$0.00} balance and {$0.00} payment due. I attempted to resolve this with XXXX customer service but was unable to get a clear resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Subject : Request for Corrected Itemized Billing Statement Date of Service XX/XX/2025 ( Claim ID XXXX ) I am writing in regard to the billing summary I received for services dated XX/XX/2025 ( Claim ID XXXX ). Upon review, the statement appears incomplete and potentially inaccurate. Specifically : The procedure codes ( XXXX ) are listed without full CPT code descriptors, making it unclear what services were actually rendered. There is no detailed itemization of the charges, adjustments, or deductible applications. The billing summary only reflects partial adjustments without proper explanation. The billing record does not clearly indicate how the total amount of {$120.00} outstanding was calculated after the listed adjustments. For reference, I previously contacted the clinic regarding this matter and received a response indicating that the original charge was {$320.00}, that my insurance applied {$220.00} to my deductible, and that the clinic later reduced the balance to {$120.00}. However, no itemized billing documentation or calculation explaining this reduction was provided. Given these issues, I am requesting a revised and fully itemized statement that includes : Full CPT codes with service descriptions A clear explanation of each adjust ment or transfer Confirmation that the charges comply with contractual rates under my XXXX XXXX XXXX plan Please provide written confirmation and the requested documentation so that the billing can be properly reviewed and verified. If a corrected and complete itemized bill can not be provided, I will refer this matter for further review under applicable consumer protection and medical billing regulations. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: AR

Complaint narrative:
I changed my name XXXX months ago and have requested with the mortgage company to update my name. It's been over XXXX days since my request and I have sent all documentation requested- legally binding letter of name change from the XXXXXXXX, updated government identification with my legal name, and a formal request to update the name on file. They insist that it's done. It is not. The XXXX still reflects the old name, which means I can not file my taxes and will soon be fined for not providing a correct and legal XXXX document for my home. I have spent over XXXX hours on the phone with them over the past XXXX weeks trying to get this resolved. My support requests are no longer being responded to, and the " resolutions '' offered by Amerihome are that I should wait XXXX hours, despite the fact that I've done so multiple times over the course of over XXXX weeks.

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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My due date is the XXXX of every month. I attempted to make a payment thru the application and the website, but both would not let me log in. The app would crash or time out multiple times trhoughout the day. The website would tell me it did not recognize my login credentials, even though I confirmed multiple times they were correct. I work all day and am unable to use my phone to make calls ; I had a lunch obligation and was unable to call to make the payment during my break. Unfortunately, this card company cuts off payments at XXXX ET, or XXXX PM my time, which is insane. When I was finally able to get into the application at XXXX my time, I selected the minimum payment due and the app allowed me to make the payment. However, I received an email that said a payment for the entire balance of XXXX had been scheduled. This was ANOTHER application technical glitch. So I cancelled the payment and tried to redo it. Unfortunately it wouldn't let me, made me schedule it for the XXXX, and said I would get a late fee. I tried calling the customer service number on the XXXX and was told I was " eligible for a partial late payment credit of 15.00. '' When I asked how much the full late fee was, the woman told me it would depend, that it could be " up to 41.00 '' and was unable to give me an exact amount. This is usury, and it is unacceptable that I should be held liable for this company 's failure to maintain technical integrity with its application and online payment portals so that customers who are well-intentioned, like myself, to make their payments ontime. It's predatory. They make it impossible to make payments, yet charge you fees when as a result of their carelessness, one can not make the payment on time despite trying everything they can.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX # XXXX I was a victim of a vehicle car XXXX on XX/XX/year>. I sent {$800.00} through XXXX but the vehicle did not exist and I never received it. My bank reversed the payment due to XXXX. My XXXX account is now frozen with a negative balance. I disputed this transaction with XXXX as XXXX and requested XXXX to review the recipient account and remove the negative balance from my account. XXXX has not responded and my account is still frozen. I have photos of the car XXXX from XXXX and photos of our conversation where the XXXX said they will return the money. I also have photos of when I started asking personal questions to verify this person really was a friend from the past. They could NOT answer the questions, so the XXXX asked for my XXXX so they could refund the {$800.00}. I wrote the XXXX back and told them just open the transaction and click pay and send it back to me. The only response I got a few hours later was Did you get it? Then the conversation stopped.

Company response to consumer: Closed with non-monetary relief