vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 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: PA

Complaint narrative:
On XX/XX/year>, I used Cash App to pay {$110.00} to XXXX for a bed frame. The merchant shipped the item, but tracking status shows it stopped in transit and was never delivered to my address. Cash App has twice summarily denied my billing error disputes in violation of Regulation E consumer protections, forcing me to pay for stolen or lost cargo.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC is reporting this account to the credit bureaus while using third-party entities to service and collect the account. I am requesting documentation demonstrating the authority of all parties involved and verification of the accuracy of the information being furnished to the credit reporting agencies. If LVNV Funding can not adequately verify the account and its reporting, I request that the tradeline be removed from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding the servicers premature termination of an active FHA trial loan modification following a servicing transfer, potential failure of proper notice, and apparent alteration of loss mitigation eligibility conditions after approval and commencement of a trial plan. I was approved for and entered into a 3-month FHA trial modification with my current mortgage servicer following transfer of servicing from a prior lender. I made payments in accordance with the trial plan and relied on the servicers approval of the modification in good faith. I was subsequently informed by a servicing representative that the trial modification is being terminated early as of XX/XX/year>, rather than the originally scheduled completion date of XX/XX/year>. This change was not previously communicated to me in a manner that provided actual notice. I was told that an email may have been sent regarding this change ; however, I did not receive any mailed notice or any communication that provided actual knowledge of the alleged early termination prior to my conversation with the servicing agent. The agent also acknowledged that emails may be filtered into spam folders. I did not have actual or effective notice of the termination prior to that call. The stated reasons for termination include the property being titled in an LLC and/or the existence of an IRS tax lien. At issue are the following concerns : The property was titled in an LLC at all relevant times prior to and during approval of the trial modification. The trial modification was approved after full servicing review following transfer of the loan. The servicer accepted and processed trial payments, thereby inducing reliance on the continuation of the modification review process. The IRS tax lien is being actively addressed through appropriate resolution channels. The servicer appears to have imposed or applied eligibility restrictions after approval and commencement of the trial modification. There appears to be a lack of clear, effective, and verifiable notice prior to termination of the trial plan. No mailed notice was received, and I did not have actual knowledge of the termination prior to the servicing call. This raises concerns regarding whether the servicer complied with applicable FHA loss mitigation guidelines and mortgage servicing requirements, including but not limited to proper evaluation prior to trial approval, consistency in application of eligibility criteria, and adequate notice prior to adverse action.

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 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I WAS BANNED FROM GAMBLING FROM XX/XX/XXXX TO XX/XX/XXXX. MY DEBIT CARD WAS CONNECTED TO MY XXXXXXXX XXXX ACCOUNT. THE BANK SAID THAT TRANSACTIONS ACURED IN XXXX AND XXXXXXXX XXXX XXXXXXXX. I ASKED THEM HOW WHEN I WAS BANNED AND SHOWED THEM INFOMATION. XXXXXXXX XXXX XXXXXXXX I RECIEVED A SETTLEMENT OF XXXX AND ON XX/XX/XXXX IT WAS DIRECT DEPOSITED INTO MY PERSONAL CHECKING ACCOUNT, I THEN TRANFERRED IT INTO MY PERSONAL SAVINGS ON XX/XX/XXXX. I ALSO STARTED A BUSINESS ACCOUNT AND TRANSFER ON XXXX XXXX, THERE WAS FRAUDULENT ACTIVITY FROM XXXX XXXX ON MY ACCOUNT AND SOMEONE WAS TRANSFERRING ALL OF MY FUNDS FROM MY SAVINGS TO MY PERSONAL AND BUSINESS ACCOUNTS AND USING THEM. I FILED A DISPUTE WITH THE BANK FOR ALL TRANSACTIONS AND I ALSO FILED A POLICE REPORT WITH XXXX POLICE DEPARTMENT AND SPOKE WITH THE XXXX XXXX DETECTIVES. THEY SAY THAT THE INVESTIGATION WAS COMPLETE AND THE MERCHANT REFUNDED THE FUNDS ON XX/XX/XXXX AND I NEVER SEEN IT. SO I FILED ANOTHER DISPUTE BECUASE THEY SAID I OWED {$2000.00} ON MY BUSINESS AND THEY CHARGED IT OFF VERY FAST AND ALSO CLOSED ME OUT OF MOBILE BANKING IMMEDIATELY, THEY ALSO GAVE ME A PROVISION CREDIT OF {$7900.00} ON MY PERSONAL ACCOUNT ON XX/XX/XXXX, THEN TURNED AROUND AND REVERSED IT ON XX/XX/XXXX. SO I WENT BACK TO THE BANK TO DISPUTE EVERYTHING AGAIN ON XX/XX/XXXX AFTER SPEAKING TO XXXX IN THE COLLECTION DEPARTMENTAND HER ADVISING ME TO DO SO. THEY THEN SENT ME A PAPER IN THE MAIL SAYING THAT THE INVESTIGATION WAS COMPLETE AND THAT THE {$140000.00} IN TRANSACTIONS DISPUTES WERE RESOLVED AND I WILL BE HELD LIABLE, ON THAT SAME PAPER IT SAYS THAT ON XX/XX/XXXX, THE MERCHANT CREDITED {$130000.00}. I'VE RECENTLY BEEN SPEAKING TO XXXX FROM THE PNC EXECUTIVE DEPARTMENT AND SHE IS LOOKING INTO THE CASE. NOONE CAN EXPLAIN WHY THESE AMOUNTS ARE CHANGING AND WHY I HAVEN'T RECEIVED THE MONEY BACK SINCE THE MERCHANT REFUNDED IT BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: NH

Complaint narrative:
XXXX months ago, I contacted customer service to close my Apple Card account because I no longer had access to my Apple ID and had stopped using an XXXX. During that phone call, the representative explicitly and verbally promised me that once the account was closed, all interest charges would freeze and stop accruing. I was assured that I only needed to make my regular monthly payments, and the total remaining balance would steadily decrease until paid off.However, today I received an email notification regarding my statement and discovered that my remaining balance had not decreased at all. It became clear that the bank was continuing to charge me ongoing interest every month, directly violating the explicit terms promised by their representative when I agreed to close the account.To resolve this, I called customer service today, XX/XX/scrub> 2026, at exactly XXXX XX/XX/XXXX, just moments before filing this complaint, to make my monthly payment and to request information on why interest was still being charged. The phone specialist I spoke with completely avoided answering my questions regarding the unresolved interest and ignored my explanation of the prior verbal agreement. Out of extreme frustration with the bank 's broken promise, I asked her for any viable alternatives or guidance to stop these continuous charges. She completely stonewalled me, offered no helpful guidance, refused to escalate the matter to a supervisor, and repeatedly stated she " could not answer '' my questions, claiming it was simply " bank policy. " The bank failed to honor the specific terms outlined during my account closure XXXX months ago, and their customer service team actively refused to provide an explanation or resolve this billing error today. I request that Goldman Sachs conduct a full phone record audit of my closure call from XXXX months ago as well as the call I made today at XXXXXX/XX/XXXX. I demand they immediately stop and freeze all interest charges on this closed account as promised, and reverse all interest fees applied since the date of closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: GA

Complaint narrative:
Breech of information please delete off credit report 12 CFR 1006.34C -12 CFR 1006.6C -15 USC 1681e ( b ) -15 USC 1681s-2 ( a )

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 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
I sent a formal Cease and Desist letter to I.Q. Data XXXX XXXX demanding they stop all collection activity on an alleged debt of {$2200.00} ( Account # XXXX, original creditor XXXX XXXX XXXXXXXX XXXX ). Despite receiving this letter, IQ Data has continued collection activity and continues to report this account to all three credit bureaus ( XXXX XXXX XXXX ) as of XX/XX/XXXX. I have confirmed through XXXX XXXX XXXX that IQ Data has NO active Florida collection license their license XXXX expired XX/XX/XXXX and Florida is not listed among their 15 currently active state licenses. They are collecting from a Florida consumer without a valid Florida license in violation of Florida Statute 559.553. Their reported balance of {$2200.00} exceeds what the original signed lease contract authorizes the lease limits liquidated damages to {$1500.00}. Their own Final Account Statement includes two charges billed for zero days of service ( {$50.00} each ). I previously filed CFPB complaint # XXXX against IQ Data. They responded with a boilerplate denial that did not address any specific violation. I have also filed XXXX XXXX complaint # XXXX for unlicensed collection activity. I am requesting the CFPB take enforcement action and require IQ Data to immediately delete this account from all three credit bureaus and cease all collection activity permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management
State: TN

Complaint narrative:
XXXX XXXX XXXX ( account # XXXX ) is reporting a {$360.00} debt originally owed to XXXX XXXX XXXX XXXXXXXX on my XXXX credit report. I previously disputed this account. XXXX completed an investigation but I disagree with the result. I do not believe a proper investigation was conducted I believe it was an automated verification ( ACDV ) with no actual review of documentation. XXXX XXXX has never provided a signed agreement, itemized account statement, or proof of the original debt. By continuing to report this unverified, disputed debt, XXXX XXXX is actively damaging my credit in violation of FCRA 611. I am requesting deletion of this tradeline from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Marcus by Goldman Sachs advertised an offer ending on XX/XX/XXXX. The offer stated " Earn {$1500.00} when you deposit {$100000.00} in Eligible New Funds and maintain for 90 days ''. I deposited the new funds, {$100000.00} on XX/XX/XXXX. Today, XX/XX/XXXX I contacted customer service to inquire about the bonus and I was told it doesn't show that I am eligible for any kind of bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX years ago, Cash App permanently closed my account ( XX/XX/XXXXXXXX ) due to an automated biometric verification failure ( a glitch matching my DL to my live selfie ). Because my SSN is now blacklisted, I am barred from using the platform entirely. Standard customer support refuses to route me to an identity specialist for a manual document review. I am requesting that Block , Inc. manually review my government-issued ID against my identity records to clear this false positive flag so I can use the service. Here is their response : Hi XXXX, We reviewed your account and found activity that violates our Terms of Service. As a result, your Cash App account will remain deactivated and you will no longer be able to use your account or its features. If you have an investing account and have questions, visit our Cash App Help Center or contact Support directly through your app. To withdraw any remaining funds : Tap the Banking tab on your Cash App home screen Tap Withdraw Select an amount Confirm with your PIN or Touch ID ( if enabled )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to dispute inaccurate late payments and charge-offs on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) and Florida Statute XXXX, which prohibits false information and deceptive credit practices, I request a full investigation of the following items. [ List specific accounts here : Creditor, Account Number, Date of Late Payment or Charge-Off ] These items are inaccurate because [ brief reasone.g., payment was made timely, account was settled, or charge-off resolved ]. Under Florida law, creditors and furnishers must provide accurate and complete information, and I have attached evidence supporting my claim. Please delete or correct these items and provide me with written confirmation of the resolution within 30 days as required by the FCRA and Florida statutes. Thank you for your attention to this matter.

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 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I received a notification saying my account will close. I called and asked in the bank chat for a reason why. One time, I was told they couldn't give me that information, and the other time, I was told it was an incorrect address. I fixed the address and was told there was nothing else that needed to be done, fast forward to Friday, my account was closed and no one can give me an answer, just a guess for why my account was closed anyway. This is the account I use to pay my bills, and rent is due tomorrow, so I will now be paying a late fee and waiting for my money to come in so I can pay for where I live.

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 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wellsfargo told me that due to fees late charges? They had to close my checking account

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 2026-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
During the selling of my house, interest charges were applied during the payoff process causing out of pocket expenses which werent valid.

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 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I requested that XXXX XXXX XXXX, the program under which Chase provides auto financing and account servicing to XXXX customers, send me the lien release letter for the car that I paid off in XX/XX/XXXX. They claim to have mailed me the lien release letter when the car was originally paid off but I never received it in the mail. They said they mailed it out to me on XX/XX/XXXX. It is now XX/XX/XXXX and I still haven't received this letter. This falls outside the typical mail process time frame. I need this letter urgently in order to obtain the title for my vehicle from the XXXX as I traded this car in to purchase a new car a couple of weeks ago. It is unacceptable that they can not send this to me digitally through the Secure Message Center and it is ridiculous that I have had to call repeatedly trying to get this letter and still do not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
At the end of XX/XX/year>, my mortgage was transferred from XXXX to Rocket Mortgage. Rocket ran an escrow analysis and erroneously included two parcels I dont own in addition to the parcel we own. This caused a massive escrow shortage in their system and my payments increased by almost {$2000.00} a month. I notified them of the error by phone on XX/XX/year>, the day I became aware of their mistake. Since then, after repeated calls and emails, this has still not been corrected. I filed a complaint with the state banking board last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capstone Credit & Collection, LLC.
State: TN

Complaint narrative:
Capstone Credit & Collections ( XXXX XXXX XXXX, XXXX FL XXXX ) is reporting a {$1500.00} collection for XXXX XXXX XXXX on my credit reports. I previously disputed this account. The investigation did not result in deletion. I believe the investigation was automated with no meaningful review of documentation. The collector has not provided a signed lease agreement or itemized statement proving the amount owed. I am requesting deletion from all three bureaus under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against Spring Oaks Capital regarding an account appearing on my credit report under account number XXXX with a balance of {$300.00}. This account is currently reporting as negative on XXXX XXXX and XXXX and I have absolutely no knowledge of this company or this account whatsoever. I do not recognize this debt and I was never contacted by Spring Oaks Capital prior to this account appearing on my credit report, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, which requires that a debt collector notify a consumer in writing within 5 days of their first communication. I am demanding that Spring Oaks Capital provide me with documented proof that I authorized my personal information to be shared with their company. I never gave my consent for my personal and financial information to be furnished to Spring Oaks Capital, and I am requesting full documentation showing how they obtained my information and under what legal authority they are using it. Furthermore, under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, any entity that obtains a consumer 's credit information must have a permissible purpose for doing so. I am requesting proof of that permissible purpose as well. I am also requesting a complete chain of title showing how this alleged debt was transferred and assigned to Spring Oaks Capital, including all original documentation, signed agreements, and account history. Since I have no knowledge of this account and was never properly notified before this hit my credit report, I am demanding that this account be immediately removed from all three of my credit bureau reports, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation