vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I, XXXX XXXX XXXX, receive a call from a caller ID that was associated with USAA from XXXX XXXX Texas. This individual that called claimed to be from the fraud department at USAA. He said that my account was being hacked and I believed him. He had already accessed my account that I could see in my app and was telling me to move money and I did not so I ended the call. The money was still taken out of my account under fraudulent charges. A total of {$3400.00} worth. I contacted USAA after this to dispute the charges. They acknowledged and gave me the money temporarily. On the XXXX of XXXX, XXXX, USAA gave me these temporary credits in the amount of {$3400.00}. XX/XX/XXXX I, XXXX XXXX XXXX, am currently on XXXX in XXXX as an XXXX XXXX XXXX XXXX in the United States XXXX XXXX. I wake up and I see that my account is negative. USAA took these funds out of my account without even giving me a call. They did send a message in my inbox stating that they were going to be taken back on the XXXX of XXXX, XXXX. They just sent these in my inbox. No other notifications. XX/XX/XXXX I am disputing liability under XXXX ( Electronic Fund Transfer Act ), Regulation XXXX The fact that I am also on XXXX as an XXXX XXXX XXXX XXXX in the United States XXXX XXXX XXXX ridiculous. I am arguing that I thought I was securing my account when the fraud called and they remotely controlled my app.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Comenity Bank ( Bread Financial ) for a severe violation of the Electronic Fund Transfer Act ( EFTA ). Without my explicit permission, consent, or an active XXXX authorization, Comenity Bank initiated an unauthorized electronic ACH withdrawal from my XXXX XXXX XXXX checking account. This unauthorized draft completely emptied my account, forced my balance into a negative overdraft, and left me with absolutely XXXX funds to purchase essential food or medicine. I did not authorize this specific transaction, nor did I have an active automatic payment agreement established with them for this billing cycle. Because of their unlawful actions, I have incurred overdraft fees from my financial institution and face immediate, extreme financial hardship as a XXXX individual. I demand that Comenity Bank immediately reverse this unauthorized electronic transfer, return the funds to my account, and cover any associated overdraft fees caused by their illegal pull. Furthermore, I request a complete audit of my payment authorization history on their platform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 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: Freedom Mortgage Company
State: GA

Complaint narrative:
I am filing this complaint against Freedom Mortgage regarding how they handled a disputed XX/XX/year> delinquency and the fact that their customer service completely ignored the evidence I sent them during my initial dispute. The bottom line is that Freedom Mortgages communication system completely failed to give me clear notice of a problem, and their technical portal issues blocked me from fixing it. This was an isolated routing issue, not a financial default. The biggest issue happened on XX/XX/year>. Freedom Mortgage sent a critical email telling me to check my account, but they sent it from a marketing address : XXXX. At the exact same time, they were flooding my inbox with a barrage of refinance offers and promotional spam from that same address. The email that actually mattered looked just like the junk mail. It used vague language, showed no urgency, and gave absolutely no warning about late fees or credit reporting. It just said, Weve noticed a change to your account status, and told me to log in. To make things more confusing, even though they claim this was an official account notice, there is no record of a XX/XX/XXXX letter anywhere inside my online document history portal. Their system sent a marketing email but never actually published the document. On top of that, during this exact same window, I experienced documented account lockouts and technical access issues that physically kept me from logging in to verify what was going on. Before this technical glitch happened, I had a flawless, XXXX-year history of making my mortgage payments on time every single month. I also provided Freedom Mortgage with bank records proving that a {$6000.00} transfer, which is way more than my monthly payment, was successfully completed on XX/XX/year>, well before any delinquency reporting took place. I clearly had the money, and I clearly tried to pay. Freedom Mortgage 's previous response completely ignored the broken communication environment, the marketing email confusion, the lack of portal notices, the technical lockouts, and my XXXX-year track record. They just looked at a computer screen, saw that the payment mechanically posted late, and slapped a XXXX-day delinquency on my credit report. This isolated technical event drastically mischaracterizes my true creditworthiness. I am asking the CFPB to look at the actual physical records I have attached and compel Freedom Mortgage to fix this error and clear this negative mark from my credit files.

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) Debt collectors are legally obligated to adhere to 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX To Whom It May Concern : I am submitting this notice pursuant to 15 U.S.C. XXXX of the Fair Credit Reporting Act requesting that you immediately block fraudulent information appearing on my credit report resulting from identity theft and/or a data breach. I did not authorize or benefit from the following accounts, inquiries, and/or collection accounts listed below. These items are inaccurate and fraudulent. Please block and remove the following items : Hard Inquiries XXXX XXXX XXXX. XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX Collection Accounts XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX {$1000.00}XX/XX/XXXX XXXX XXXX {$430.00} XXXX XXXX {$100.00} LVNV FUNDING LLC {$830.00} LVNV FUNDING LLC {$550.00} XX/XX/XXXX{$92.00} XX/XX/XXXX {$1900.00} Fraudulent Accounts ( if unauthorized ) XXXX XXXX XXXX XXXX XXXX I am requesting : XXXX. Immediate blocking of these items under 15 U.S.C. XXXX XXXX. Removal of all associated late payments and derogatory information XXXX. Written confirmation once the investigation and blocking process is completed Attached are copies of : Government-issued identification Proof of address FTC Identity Theft Report and/or police report Please complete this request within the timeframe required by the Fair Credit Reporting Act. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
This is theXX/XX/XXXX complaint I have filed regarding this unresolved issue with Square/Block Inc . Square previously responded to my CFPB complaint by claiming it could not verify ownership of my account. However, Square did not provide a clear verification process, did not request specific documents, and did not explain what information was missing. Square allegedly terminated my account in XX/XX/year>2024, but I was never properly notified. I continued receiving Square account-related emails, continued having dashboard and website access, and Square continued withdrawing recurring payments from my bank account. In Squares prior response, the company stated it could not verify ownership, but then referenced Square Online invoices and explained that Square Online services are separate from the Square Point of Sale account. This confirms the core issue : Square failed to clearly disclose that billing for Square Online services would continue after the alleged account termination. If Square claims the account was terminated, I am requesting proof of the termination notice and proof that I was clearly informed recurring billing would continue separately. If Square claims it can not verify me, I am requesting a specific verification process instead of another generic refusal. I am requesting : XXXX. A clear verification process. XXXX. Proof of the alleged XX/XX/scrub> 2024 termination notice. XXXX. A full breakdown of all charges after termination. XXXX. Written confirmation that all recurring charges have stopped. XXXX. Refund of unauthorized withdrawals totaling {$840.00}. Squares repeated response of unable to verify without providing a workable verification path has prevented resolution and allowed the issue to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 CXXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have {$380.00} dollars in my closed citi account that the bank refuses to mail out a check claiming my account will be closed as of XX/XX/XXXX months ago. No one will tell me when my check will be mailed or if my funds can be picked up

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. CXXXXe XXXX ( XXXX ) Debt collectors are legally obligated to adhere to 15 U.S. CXXXXe XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding late fees assessed by Fay Servicing related to my mortgage loan payment. At the time the payment issue occurred, sufficient funds were available in my bank account to cover the payment. However, my bank placed a temporary fraud/security hold that interfered with the automatic processing of the payment. This was not due to insufficient funds or an intentional failure to pay. After learning of the issue, I acted promptly to resolve it and communicated with both my bank and Fay Servicing. I also provided explanation and supporting information regarding the temporary banking restriction. Despite these circumstances, Fay Servicing assessed and maintained late fees instead of reasonably working toward a fair resolution. I requested clarification and reconsideration of the fees, but the responses provided did not adequately address the situation or the fact that the payment issue resulted from a temporary fraud/security hold outside of my direct control. I believe the fees assessed under these circumstances are unfair and unreasonable given that funds were available and efforts were made in good faith to promptly resolve the matter. I am requesting that Fay Servicing review the account history, reconsider the late fees assessed, and provide a fair resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to request a supervisorlevel review of my dispute regarding hair products that arrived adulterated, watered down, and not as described. This matter concerns product integrity and misrepresentation, not buyers remorse. Summary of the Issue I purchased hair products advertised as authentic, fullstrength, and sealed. The items I received were visibly watered down, altered in consistency, and unusable. This constitutes adulterated merchandise and falls under goods not as described. I have photo and video evidence documenting the condition of the products. Reason for Reopening the Dispute Adulterated cosmetic products are considered unsafe and misrepresented. The seller did not provide the product advertised, and the items delivered were materially different from what was purchased. This is a product safety and integrity issue, not a matter of preference. Regulatory Actions Due to the nature of the issue, I am filing complaints with : The Federal Trade Commission ( FTC ) The North Carolina Department of Justice XXXX XXXX XXXX These filings document the sale of altered cosmetic products and support the legitimacy of my dispute. Requested XXXX I respectfully request that XXXX : Reopen my dispute, XXXX a supervisorlevel review of the evidence, and XXXX a chargeback for merchandise that was not as described and not safe for use. Additionally, when I called to inquire about the status of my dispute, the representative I spoke with was dismissive and stated, It doesnt look like XXXX will open your dispute, so consider it denied. This response was unprofessional and does not reflect the level of service I expect when addressing a legitimate consumer protection concern. Please confirm receipt of this request and advise on the next steps. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I purchased XXXXXX/XX/XXXX of crypto currency using coinbase through XXXX the crypto was in my wallet my bank fully approved the transactionXX/XX/XXXX days later coinbase emails me saying my banks payment had a error there was no such error my bank assured me the funds where delivered 100 % coinbase said it didnt go through then they tried to double charge me which I declined the second charge after this they took my XXXXXX/XX/XXXX crypto balance that I had rightfully paid for and I was told for weeks I was going to be refunded its now been almostXX/XX/XXXX months no resolution 's Ive called them and made support ticked overXX/XX/XXXXtimes and they always say they will do something and it never happens or they refuse my bank statements provided directly from my bank proving I never received a refund and because of this I have lost XXXXXX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
I needed a replacement card for my Revel Account card Ceurlean credit card I have emailed everything but the telephone bill to prove my updated address I have a prepaid AT and T phone number that is a direct bill to my checking account I do not per XXXX have a pre-paid billing statement I have sent this company a bank statement with my updated address Another credit card statement with my new address My Nevada drivers license with updated address My current rent statement with address and apartment number But that does not seem to be good enough to get the XXXX new credit cards mailed to me

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 2026-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
United Wholesale Mortgage has my payment history incorrect, and I have attempted to fix this with them on the phone several times and they keep transferring me all over the company, and they all have different answers about what the money was used for but it does not add up. I know all of my payments, what I've paid. I know what it's supposed to add up to, and they are missing information, and they are misapplying the funds that were set aside in a suspense account to the principal instead of being put towards the payment, so it looks like I'm way behind when I'm not. they have me in delinquency when I'm not ; I'm up to date, ( I haven't paid XXXX yet, the months not over and it will be paid before the month ends. ) and they keep screwing my credit up and threatening that im in default. They keep charging me late fees so they can put money towards that and make it look like I'm further behind and I'm not they charged me for a bad check but they waited for months to cash it and I had to reissue it and I guess that's when they decided to cash the thing they charge me every month for late fees and they raised the escrow account way too high and my payment was supposed to be {$2100.00}, they raised it to {$2400.00}, and I had to fight them on the bad math for taxes I don't pay as a veteran, and they had the wrong amount for my homeowners insurance so they lowered the payment too {$2200.00} now but my account is still all screwed up and they think I'm in default and I'm not. we owed {$320000.00} on the house when we refinance with them and now they're claiming that we owe {$330000.00} and that makes no sense this is the same XXXX I got away from XXXX XXXX just to get put with this company for the same headache. I thought I was going through XXXX XXXX but they transferred me to these people and I've heard nothing but what a headache they are, and I've experienced it. And for months and months they've been mailing me three letters a week threatening with default and telling me they're trying to help me but they're clearly not because they won't listen and they keep transferring me and they won't keep one story when they're answering my questions they don't know what they're doing or maybe they know exactly what they're doing and that's even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
This company is not processing my payments. Every month and its messing up my credit. I've made several trips to the bank and calls for proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation