vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I filed CFPB Complaint XXXX regarding a {$450.00} collection account that Credit Control Services is reporting on my consumer credit reports. In my original complaint, I explained that Credit Control Services had never provided me with any notice, documentation, or validation of the alleged debt. I requested that the company either provide documentation supporting the debt or remove the account from my credit reports. Rather than responding to the substance of my complaint, XXXXredit Control Services stated that they could not identify the account and instructed me to contact them directly by email outside of the CFPB complaint process. As of XX/XX/XXXX, the {$450.00} collection account continues to be reported on my consumer credit reports. More than XXXX months after my original complaint, Credit Control Services still has not provided documentation identifying the original creditor, explaining the basis of the alleged debt, or demonstrating its authority to collect or furnish information regarding this account. I respectfully request that Credit Control Services either provide documentation substantiating the account through this CFPB complaint process or remove the account from all consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have a XXXX with US Bank with an interest rate of XXXX percent. On XXXX separate phone calls I was told I could move my entire XXXX loan amount to a XXXX percent promotion so long as I increased the loan by XXXX. I work out the long term financial payments and interest charges on my second call under the understanding the entire loan amount would fall under the XXXX percent interest rate. The agent helped me make the transfer to increase my total loan amount ( added XXXX ) and saw it go through on their end. I was told that I would not see the result for a few days. Today, I see that only the XXXX is a part of the XXXX percent promotion, and that the original XXXX is still under the XXXX percent program. For financial planning reasons I would not have done this. In both cases I was assured my entire loan amount would be under the promotional percentage rate. I called XXXX, talked to management has was told there was nothing to be done. However, they would not go back and listen to the recorded calls I had with US bank agents- had they they would have proof of what I am converting here.

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 2026-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am the seller of a home with a solar loan originally financed through EnerBank USA, now serviced by Regions Bank. The buyer submitted a complete loan assumption application on XX/XX/year>, in preparation for our scheduled home closing on XX/XX/year>. I have repeatedly contacted Regions to obtain updates, confirm that the application is complete, determine whether any additional documentation is needed, and request prompt processing due to my pending real estate closing. Regions has only advised that the process XXXX take up to 60 days and has denied my request for expedited review. The title company has confirmed that the sale can not close until the loan assumption is completed, and my buyer has stated they will terminate the purchase contract if we can not close on XX/XX/XXXX. I respectfully request the CFPB 's assistance in having Regions immediately review and complete the pending loan assumption, or immediately identify any outstanding items preventing completion, so this home sale can close as scheduled. Regions ' delay places me at imminent risk of losing the sale of my home and suffering significant financial harm through no fault of my own.

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 2026-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I reached out to them today to make a payment and they verify my identity with my social security/address/email/phone number and processed the XXXX payments. I then asked to signup for autopay and the redirected me to someone else and the wanted to verify my identity by a serious of questions from like 30 years ago such as list of names of people I knew, address I lived at and etc. I apparently got them wrong and they locked my account out and wont accept any form of payment until I XXXX. Either travel to a bmo branch to verify identity in person ( which there is no bmo branch anywhere near me ) or XXXX. Take this form and pay for a notary to verify my identity. I spent roughly XXXX hours today to satisfy my loan and they are refusing me that access. The even created a login online and can access the loan information but when I select pay loan and chose pay with different bank it dents me access. I dont know what to do at this point because XXXX not traveling hundreds of miles to verify identity in person or paying to verify my identity at a notary.

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 2026-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I'm writing to formally request that the collection account mentioned in your most recent email be validated. In accordance with my rights under 15 U.S.C. 1692g ( b ) of the Fair obligation Collection Practices Act ( FDCPA ), I ask that your office furnish comprehensive and verifiable proof attesting to the validity of this obligation. At the very least, this validation has to contain : The original creditor 's complete name and address, A thorough statement of the whole amount owing, including principle, interest, fees, and any additional charges, the original account number, a full payment history and evidence, such as a signed contract or other official papers, proving I am legally required to pay this obligation. You are legally obligated to stop all collection efforts and not report this account to any credit reporting agencies until such validation is received. This inquiry is meant to make sure the data you are reporting is correct, legal, and not the product of fraud, miscommunication, or error.

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 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: CA

Complaint narrative:
I opened a Netspend XXXX account through its {$100.00} new account promotion. I completed the required {$400.00} direct deposit, kept the account open, and paid the monthly maintenance fees. After I did not receive the bonus, I contacted customer service multiple times. Before the XXXX period ended, I was repeatedly told to wait until the 90 days had passed. After the 90 days, Netspend suddenly claimed I did not qualify because my account was allegedly " not an active customer, '' despite continuing to charge me monthly fees and never informing me of any issue during the qualification period. Every representative gave me a different answer, and my issue has never been resolved. I believe Netspend failed to honor its advertised promotion and provided inconsistent and misleading information.

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 2026-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
b'I am filing a formal consumer complaint against Credit Control Services Inc for willful non-compliance with the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g, and CFPB Regulation F (12 CFR 1006.34).On XXXX XXXX XXXX I submitted a timely written Debt Validation Request via USPS Certified Mail (Tracking Number: XXXX XXXX XXXX XXXX XXXX XXXX regarding an alleged account balance of XXXX (Account Number: XXXX. I possess an official United States Postal Service electronic delivery receipt confirming this dispute package was physically delivered and signed for by an authorized agent at Credit Control Services Inc on XXXX XXXX XXXX, at XXXX XXXXCredit Control Services Inc completely ignored my federal validation request and has failed to provide any verification documentation over the last seven months. Pursuant to 15 U.S.C. 1692g(b), a collection agency must completely cease all debt collection activityincluding the ongoing furnishing, updating, and verifying of account metrics to the credit bureausuntil verification is obtained and mailed to the consumer. By completely bypassing this statutory collection block and continuing to furnish this entirely unvalidated tradeline on my personal consumer credit reports without a reasonable basis to verify its accuracy, Credit Control Services Inc is operating in direct violation of 15 U.S.C. 1692e(2)(A). I demand that the CFPB compel Credit Control Services Inc to immediately cease all collection activity and permanently delete this non-compliant, unverified account from all nationwide consumer reporting agencies.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 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: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX. When the loan was paid in full in XX/XX/XXXX. I continued to drive the car until XXXX when it was in an accident which totaled the car. I filled a claim with my insurance company. The insurance company would not release payment because the title to car still had a lean on it from Kia Finance America. I contacted Kia Finance America for a lean release. Multiple phone calls were made. Case # XXXX was opened. I explained that I had rented a car for a week but could not continue to afford to do that and if I was unable to get the lean release to obtain the check from the insurance company then I would not have transportation to and from work and would lose my job. Kia Finance America was out of compliance with XXXX XXXX as far as the timeframe. I never received a clean title or lean release. No one at the company cared or made any effort to get me a picture of the lean release which is all my insurance company needed. I have never dealt with such a non-caring company in my life. Was on the phone for hours, was hung up on numerous times by " supervisors '' and was ran around in circles. Then I got an agent XXXX assigned to my case that I couldn't get to call me back even though there were multiple messages left for her. As of this complaint, I have not been able to get a lean release nor a clean copy of the title. Unable to continue to rent a car so now thanks to Kia Finance America I am facing job loss due to not having transportation even though I had full coverage insurance. The only mistake I made was using Kia Finance America which is refusing to help me. I hope this complaint helps others to be knowledgeable about this company so they can make a better choice about who to obtain financing through.

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 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NC

Complaint narrative:
U.S. Bank placed a hold on my account and restricted access to my funds without prior notice, causing significant financial hardship. I have been unable to withdraw money needed for essential expenses despite contacting the bank for assistance. I request that U.S. Bank immediately lift the hold, allow me to withdraw my available funds at a branch, or provide a written explanation for the restriction and a timeline for releasing 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 2026-07-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
In XX/XX/year>, I opened a XXXX XXXX gym membership. On XX/XX/year>, I officially canceled the membership online and received a formal cancellation confirmation email from the merchant stating that my access would terminate on XX/XX/year>. Despite the formal cancellation and the account being closed, the merchant retained my financial profile data. They subsequently initiated unauthorized charges against my secondary payment methods that were previously on file. This included an unauthorized charge of {$25.00} in XXXX and an unauthorized charge of {$49.00} in XXXX. I filed formal disputes with my financial institutions regarding this unauthorized merchant pull actions. Following an investigation, Bank of America successfully ruled in my favor on XX/XX/year>, under claim number XXXX, permanently reversing the unauthorized {$74.00} in total charges due to the merchant 's lack of authorization. I am filing this complaint to ensure a formal investigation into the merchant 's data retention and billing policies, as they used historically stored financial details to bypass account security and pull funds without active contract authorization.

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 2026-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Albert Corporation
State: CT

Complaint narrative:
I have repeatedly requested, in writing, that Albert revoke its access to my linked bank account ( XXXX ) via XXXX and confirm this in writing. I explicitly stated that this request is separate and distinct from a subscription cancellation or account closure request, and that repayment of an outstanding XXXX XXXX balance is a matter I am handling independently not a condition I agree to for data/access revocation. Over multiple support chat interactions, Albert 's support system repeatedly conflated my request with account closure and subscription cancellation, despite my clarifying the distinction each time. When I asked Albert directly to confirm whether ACH/XXXX disconnection requires closing the account, and whether account closure requires the outstanding balance to be paid first, Albert 's representative confirmed in writing : " Correct! '' explicitly stating that banking data/access disconnection through XXXX is conditioned on repaying the balance owed. This means Albert is refusing to honor a formal data and access revocation request unless I first pay a disputed/outstanding balance effectively holding my banking data access XXXX to debt collection. I believe this violates my rights under the XXXX XXXX to control access to my financial data, independent of any separate billing dispute. I have full chat transcripts documenting each request and Albert 's written admission. Albert 's own Terms of XXXX state that Instant Advance is offered on a non-recourse basis, that Albert has no legal or contractual claim against me for any outstanding balance, and that Albert will not engage in debt collection activity related to this balance. Despite this, Albert 's support representative confirmed in writing that revocation of ACH/Plaid access is conditioned on repayment of this same non-recourse balance a condition that has no basis in Albert 's own published terms. Albert is therefore leveraging a balance it has explicitly disclaimed any legal claim to, in order to withhold a legally protected data/access revocation request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
am filing this complaint because Macys has failed to resolve fraudulent charges on my credit card account. I reported unauthorized transactions on my Macys credit card as soon as I became aware of them. I did not make or authorize these purchases. Macys informed me that the account was under fraud investigation. Despite my timely fraud report, Macys continues to send me bills for the disputed charges. They have also allowed the account to be placed into collections, and negative information has been reported to the credit bureaus. As a result, my credit score has been damaged for charges that I did not make. I have acted in good faith by reporting the fraud and cooperating with the investigation. I should not be held responsible for unauthorized charges while the investigation remains unresolved. I respectfully request that Macys : * Complete the fraud investigation immediately. * Remove all fraudulent charges from my account. * Remove the account from collections if the balance is based on fraudulent charges. * Correct all inaccurate information reported to XXXX XXXX and XXXX * Reimburse any fees or interest that resulted from the fraudulent charges. * Provide me with written confirmation of the outcome of the investigation. I appreciate your assistance in helping resolve 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 2026-07-20 00:00:00
Product: Mortgage — Conventional home 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am a XXXX Texas homeowner with a XXXX spouse, and I have paid my mortgage faithfully for XXXX years ( since XXXX ). My loan was recently internally migrated from XXXX Mortgage/Onity to NewRez LLC during an active trial modification. Due to their internal corporate computer migration, I was locked out of my online account and unable to view my statements or pay online. On Friday, XX/XX/XXXX, I contacted NewRez proactively to make my payment. NewRez staff flatly refused my explicit requests to go over the permanent modification contract terms with me, pressured me by stating it was an urgent emergency, and forced me to sign via DocuSign while I was away on vacation. Upon reviewing the contract documents immediately afterward with my wife, we discovered that NewRez hid a predatory balloon note requiring a massive lump-sum payment of approximately {$200000.00} at the end of the loan maturation. Within XXXX minutes of signing, I called NewRez back to cancel. NewRez staff held me on the phone for XXXX hours, refused to cancel the contract, and issued a verbal ultimatum stating my only options were to accept the predatory balloon note or pay a manufactured, immediate lump sum of {$7400.00} by XX/XX/XXXX. I immediately sent a formal written revocation and cancellation email directly to NewRez XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX on Friday, XX/XX/XXXX, to formally withdraw my signature. I am disputing this contract due to severe verbal duress, material misrepresentation, and omission of critical financial facts during an internal servicer transfer, which violates RESPA XXXX safe harbor protections. I am requesting that NewRez immediately unwind this unauthorized modification and evaluate my account for an FHA Payment Deferral to safely move the past hardship balance to the end of the loan under my original terms.

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 2026-07-20 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: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
Took out a loan from Regions Bank to finance our HVAC system, approximately {$10000.00}, in XXXX, first payment due in XXXX. I contacted the company in mid XXXX for payoff amount, submitted that amount in full for the loan to be closed. I thought I had paid it off, according to what I was told by a Regions Bank representative. I received an email on XX/XX/year>, stating my 'payment is due by XX/XX/year>. I called and stated I paid the loan off in XXXX and was told there was a balance due of {$240.00} to close the account. I disputed this information since I had received the payoff from their representative. I was then put on hold for a XXXX to review phone calls, verifying I had spoken to a representative. They 'could n't find my phone call ' and therefore, denied my request of waiving the remaining balance. I relied on their representative to give me the correct information before submitting my payoff amount. It took a few days for payment to process and post to my bank account, so are they charging me interest and fees while the full payment processed? If I didn't receive this email of a payment due, I wouldn't have known this loan was not paid off and my credit would have suffered. Regions Bank is scamming their customers out of money by charging excessive interest and fees and not telling them the correct amount due ; therefore, frauding the customer into paying more money for something they think has a balance of {$0.00}.

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