vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
WESTLAKE FINANCIAL SVC is falsely reporting on my credit. I have never had any accounts with them. Per my research WESTLAKE FINANCIAL SVC 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 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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
In reference to XXXX XXXX XXXX XXXX XXXX account. 

Complete balance and court fees has been paid in full to XXXX XXXX XXXX XXXXXX/XX/XXXX 

I have a copy of the receipt from XXXX XXXXXX/XX/XXXX Balance has been paid in full. The amount documented for $ XXXX is not correct and was agreed upon lawyers for a lower balance. 

XX/XX/XXXX Contact Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX. has filed a lawsuit against me for a debt I allegedly owe. The file number is XXXX. 

I have asked the company on several occassions XXXX  provide proof that I am the corrector debtor XXXX  that they have the legal right to collect on the debt. They have repeatedly refused XXXX  provide this information, which is a clear violation of my rights. 

I've also called, XXXX  it's nearly impossible XXXX  reach a human. I was able XXXX  get ahold of XXXX XXXX XXXX  ( XXXX ext XXXX ), but he wasn't really any help, either, XXXX  I still have received the information I requested. Not sure what else XXXX  do, XXXX  i just want XXXX  get XXXX  the bottom of this. 

This law firm has a reputation of being predatory, XXXX  it's a shame. Please help!

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 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding my mortgage lender/servicer, XXXX XXXX, and what I believe to be inaccurate and misleading escrow and property tax disclosures provided at the time of loan origination. 

At the time my mortgage was originated, I was quoted a total monthly payment of {$3100.00}, which included an escrow amount of {$430.00}. Within that escrow estimate, my property taxes were represented as {$180.00} per month. Based on this information, I proceeded with the loan believing these figures were reasonable projections. 

I recently received an escrow analysis showing my actual property tax obligation is {$6000.00} annually, or {$500.00} per month. This represents a dramatic increase from the amount originally disclosed. As a result : My monthly payment has increased by over {$1000.00} I now have an escrow shortage exceeding {$3000.00} The tax estimate used at closing differs from the actual obligation by approximately {$4000.00} annually While I understand that property taxes may be reassessed after a home purchase, the magnitude of this discrepancy indicates that the original tax estimate provided to me was not a reasonable projection of the likely tax liability following purchase. I was not clearly informed that such a substantial increase was probable, nor was this risk adequately explained during the loan process. 

This unexpected adjustment has created a significant and unplanned financial burden. I budgeted for this home based on the payment information provided at closing, and this sudden increase has disrupted my financial planning and created hardship in managing my household expenses. Had the tax obligation been more accurately disclosed at origination, I would have been able to make more informed decisions regarding the affordability of the loan and my long-term budgeting. 

* * Requested Resolution * * I request that XXXX XXXX  conduct a formal review of the tax and escrow disclosures provided at loan origination and determine whether the estimates used were reasonable and compliant with disclosure requirements. 

If it is determined that the tax estimate was materially inaccurate or not based on a reasonable projection following purchase reassessment, I request that the lender provide appropriate borrower relief. This may include, but is not limited to : Waiving or reducing the escrow shortage repayment requirement Spreading the shortage over a longer period without penalty Providing a lender credit or adjustment to offset the financial impact caused by the inaccurate estimate A written explanation of how the original tax estimate was calculated and why it differed so substantially from the actual obligation My goal is not to avoid paying my legitimate tax obligation, but to address the financial harm caused by what appears to be an inaccurate or misleading estimate at the time of closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: FL

Complaint narrative:
Badcok ( XXXX XXXX XXXX ) was supposed to take out automatic monthly payments from my bank account. One day I check my statements and noticed they stopped after two months. I emailed them and they informed me my debt was sold to a third party and that I needed to reach out to them. The next day I noticed that the took another payment from my account. I called several times to see why was this happening if they sold my debt already to a third party. I kept getting hung up on or transferred to the debt collector as if my issue was the debt collector when it wasnt. I checked my account today and the company took another unauthorized payment from my account. Ive sent multiple emails regarding proof of documentation or any agreements and havent gotten any response via email or via phone. This is also affecting my credit because its showing I havent made any payments in months, but the company is taking my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XX/XX/year> XXXX Formal Dispute of Inaccurate and Incomplete Credit Reporting I am formally disputing the accuracy and completeness of the NAVY FEDERAL CREDIT UNION account as it appears on my consumer credit report. 

This account contains material inaccuracies and incomplete information, including conflicting reporting dates across consumer reporting agencies and the absence of a last verified date. Reporting inconsistent dates of last activity and reporting dates renders this account inaccurate under the Fair Credit Reporting Act 15 USC 1681e ( b ).

Additionally, this account is reported as closed and paid, yet continues to report a high balance and historical negative information without proper clarification, which constitutes misleading reporting and fails the completeness requirement under 15 USC 1681a.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
In XX/XX/year>, I wired approximately {$20000.00} from my TD Bank account to an online investment platform.

After attempting withdrawal in early XX/XX/year>, the platform refused to return funds and imposed fabricated conditions. 

I contacted TD Bank to report suspected investment fraud and request a wire recall investigation. TD Bank refused to open a fraud case and declined to provide a case number, stating the matter was outside their scope.

I am requesting TD Bank formally document my fraud report, provide a case number, and explain their refusal to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I paid the {$95.00} program fee for the first Digital credit card with {$300.00} limit- {$220.00} after they took their {$75.00} annual fee. And immediately after doing so on the same day. Several charges totaling {$220.00} were made fraudulently. 

XX/XX/XXXX I called and disputed these charges. I was also encouraged to keep making payments on my bill to keep my account active. As disputes can take up to 60 days. 

XX/XX/XXXX I put a payment on the account for the entire amount owed on the card. After being told I would be refunded any over amount if the disputes came back in my favor on XX/XX/XXXX. The payment still shows to today XX/XX/XXXX as accepted and processed on the home screen of their account phone app and web page account app. 
Even though payment was accepted they froze any ability to use my card. 

XX/XX/XXXX Disputes are found in my favor. {$220.00} was added to my total balance but nothing added to my available balance. 

XX/XX/XXXX Called customer service- ( C.S. ) and I was told the disputes would be reflected on my available balance in 24-48 hours. 

XX/XX/XXXX Called C.S. because nothing had changed to my available balance. Was told in

24 hours it would be added for me to use. That if I wanted my entire balance to be available ( amount I paid on top of it ) that I was to send in a current bank account statements showing the amount had been debited from my account by first Digital. So I sent in a copy of the statement to first Digital. I was t
old that it was blurry or unreadable. So I email a picture of the document I saved directly from XXXX XXXX site. 

XX/XX/XXXX Was told that my account had a block on it due to a returned check for the payment I made on XX/XX/XXXX. Also that they were waiting on the dispute team to decide on my dispute? Unsure what this refers to. That they didnt know when id be able to use the money from the disputes that were in my favor shown on my transactions since XX/XX/XXXX. 

XX/XX/XXXX C.S. tells me that XXXX copy of bank statement showing payment was unreadable. Even though I had several colleagues read sent email and attachment after I had printed it. All said it was 100 % readable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My issue : Missing provisional credit / failure to follow Regulation E dispute procedures Company : Coinbase Category : Virtual currency / prepaid card / electronic transfers I filed a dispute with Coinbase, and they sent me an email confirming that a provisional credit was deposited into my account. However, the credit never appeared in my account balance or transaction history. I contacted Coinbase multiple times, but instead of addressing the missing provisional credit, they repeatedly routed me to the wrong department ( Coinbase Debit Card Support ), which stated they have no visibility into account balances.

Coinbase has not provided : The timestamp of when the provisional credit was supposedly posted Any ledger entry showing the credit Any explanation for why the credit is missing This is a failure to follow Regulation E, which requires provisional credit to be applied during an active dispute investigation. Coinbases own writte
n confirmation states the credit was deposited, yet the funds are not present.

I am requesting that Coinbase : 1. Correct the missing provisional credit 2. Provide documentation of when and where the credit was applied 3. Ensure proper escalation to an Account Specialist or Compliance Supervisor I have attempted to resolve this directly with Coinbase multiple times, but they have not provided any meaningful assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Vista Financial Services of NC, LLC
State: NC

Complaint narrative:
There rates our extreme and even if you pay more than the monthly installment the rate is set so high you make no impact on the principal - Original loan amount XXXX dollars Normal Monthly Payment XXXX per month Made payment over 6 months on time XXXX x XXXX = XXXX Made 2 payments of XXXX x XXXX = XXXX Total payments XXXX Loan Balance on the original XXXX XXXX Even after making more than XXXX dollars above original loan amount - they are predatory in nature and set so you will be in debt with them for longer term

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
To whom this may concern, I XXXX XXXX am extremely disappointed and beyond frustrated with USAA and the way my account has been handled. 

Since XX/XX/year>, my account has been restricted and ultimately closed without proper warning or reasonable explanation. My available funds have been sitting there, completely inaccessible, while I have repeatedly reached out trying to resolve the issue. I made it very clear that I have a death in the family and urgently need access to my money to cover funeral and burial expenses and to pay bills that are due on the XXXX. Because of this banks actions, I am now facing late fees and the heartbreaking possibility of not being able to attend my own family members funeral. 

I am an XXXX XXXX service member XXXX  XXXX, XXXX XXXX XXXX XXXX  and doing my part to keep XXXX safe. The fact that I can not even access my own hard-earned money during such a devastating time is unacceptable. The stress and hardship this has caused my family and me is inexcusable. 

The customer service has been the absolute worst I have ever experienced. There has been no urgency, no compassion, no accountabilityjust delays and restrictions that have severely impacted my livelihood. For a bank that claims to support service members, this treatment is beyond disappointing. 

If this matter is not handled immediately and my funds are released without further delay, I will have no choice but to pursue legal action. I will not tolerate being denied access to my own money while grieving and serving this country. 

I will never trust this bank again, and I will make sure others are aware of how members are treated during their most vulnerable moments

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 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Opportunity Financial, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XX/XX/year> XXXX Dispute of Inaccurate and Unlawful Credit Reporting I am disputing the XXXX OPPLNS account currently appearing on my consumer report. 

This account has been reported without proper consumer validation in violation of 12 CFR 1006.34 ( b ) ( 5 ) and without allowing a lawful dispute period under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

The reporting of this account constitutes misleading representation and deceptive means under 15 USC 1692e.

Under the Fair Credit Reporting Act 15 USC 1681, all reported information must be accurate, verifiable, and lawful. This account does not meet those requirements and must be deleted if verification can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I was involved in a car accident. At the time, I had active auto insurance with {$10000.00} property damage coverage through XXXX. XXXX  has confirmed that there is an open, active claim covering the full {$4000.00} allegedly owed to the other party. 

Despite this, a debt collector has been contacting myself and my family, demanding payment of {$4000.00}. On XX/XX/XXXX, I mailed a certified dispute and cease-contact letter to the collector. XXXX tracking shows it was signed for on XX/XX/XXXX at XXXX XXXX. 

Even after receipt of the certified letter, the collector continued to call myself and my family members, attempting to collect a debt that is fully covered by insurance. I called XXXX and was told there is an open claim on this accident and that I was fully covered for the accident. They have also threatened deadlines and potential negative consequences like suspension of my drivers license and removal of my vehicle license plate registration. 

We have documentation including : Certified mail receipt and XXXX tracking Confirmation from XXXX  of active insurance coverage and claim Call logs and voicemails from the collector This collection behavior is ongoing, despite the dispute and insurance coverage, and appears to violate the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
My bank account at U.S. Bank was closed while holding {$53000.00} of my funds.

I have not been provided with a clear reason for closure or a confirmed release date for my funds.

Unless there is a lawful court order or legal hold, I am requesting immediate release of my remaining balance.

I am seeking regulatory assistance to ensure timely return of my funds.

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 2026-02-16 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: MA

Complaint narrative:
Request for Explanation of Missing Loan History ( XXXX ) after Consolidation I am writing to request clarification regarding my federal student loan consolidation and the apparent omission of payment and loan history from XXXX. Of importance is the fact that I have been trying to resolve this issue with MOHELA and Department of Education since XX/XX/year>. Each time I inquire, I get a different response or that it has been " escalated for review. '' Since it has been well over a year since trying to get a response, I am asking or your assistance. 

Following my consolidation, I reviewed my account records and noticed that the loan history covering the period from XXXX does appear to be on XXXX ; however, it does not appear to have transferred to my consolidated loan account. This timeframe includes important payment history that is impacting my ability to achieve PSLF loan forgiveness.

I have asked MOHELA and Department of Education : 1. To provide a detailed explanation of why this payment history is not being counted by MOHELA or the Department of Education after consolidation 2. Confirmation that my history remains documented within the federal student loan system 3. Written verification of how this period is being counted toward my repayment record 4. Instructions on any steps I must take to ensure my full payment history is properly restored and credited toward PSLF forgiveness. 

I have requested a written response outlining the findings and any corrective action taken. 

Thank you for your prompt attention to this matter and I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is # XXXXis 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation