vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: CO

Complaint narrative:
I had an issue trying to pay my electric bill online. After contacting the company, I was informed that they set a hard limit to XXXX online transactions a month and I had already used my allotted XXXX transactions. This now happens every month because I either pay my phone bill online or take a XXXX hour trip into the city for a prepaid phone card, then ALL my bills are online : electric, internet, trash, and I can't pay them all. The system my ONLY local restaurant uses is considered online, so I can't use my card there either. In this day and age of literally EVERY business being online, it is ridiculous to only allow XXXX online transactions a month. They are effectively cutting me off from my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
From late XX/XX/XXXX, my mortgage servicer replaced the actual XXXX city XXXX XXXX propertytax bills in my escrow profile with inflated placeholders ( XXXX {$2300.00} XXXX XXXX {$2300.00} ). The taxingauthority bills are lower and documented : XXXX {$1400.00} and XXXX XXXX {$1500.00}. 

XXXX of events ( amounts/actions ) : XX/XX/XXXX XXXX of XXXX XXXX tax {$1400.00} paid from escrow ( receipt on file ). 

XX/XX/XXXX I uploaded XXXX XXXX bill {$1500.00} ( house + land ). 

XX/XX/XXXX XXXX acknowledged {$1500.00} and said an analysis would be requested. 

XX/XX/XXXX XXXX showed the correct inputs ( XXXX {$1400.00} XXXX XXXX {$1500.00} ; XXXX {$870.00} ). 

XX/XX/XXXX Portal overwrote those with placeholders {$2300.00} / {$2300.00} ( not on any bill I provided ). 

XXXX Escrow analysis run using placeholders a {$670.00} surplus was mailed and my total payment was set to {$2900.00} effective XX/XX/XXXX ; later a shortage was claimedresults created by projecting the inflated placeholders into XXXX XXXX. 

XX/XX/XXXX XXXX ledger XXXX XXXX paid {$1500.00} ( matches the uploaded bill ). 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} disbursed ; however, the loan ledger XXXX XXXX actually paid {$1500.00} on XX/XX/XXXX. 

XX/XX/XXXX XXXX shows Last Analysis : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; escrow collection $ XXXX, which is above what the authority bills XXXX. 

Additional clarifications : XXXX XXXX does not bill escrow/servicers ; they bill the homeowner only. I provided the XXXX XXXX bill on XX/XX/XXXX, and the servicer acknowledged receipt on XX/XX/XXXX. 

Both taxingauthority bills clearly reflect XXXX {$30000.00} + XXXX {$390000.00} = Total {$420000.00} ; Assessed at 25 % = {$100000.00}, yielding the XXXX {$1400.00} XXXX XXXX {$1500.00} amounts. 

The city XXXX XXXX bills both clearly include land + XXXX ( Assessed = 25 % of {$420000.00} = {$100000.00} ). Despite multiple messages and calls, the servicer continued to cite landonly values and placeholders that dont match the bills. land + XXXX ( Assessed = 25 % of {$420000.00} = {$100000.00} ). Despite multiple messages and calls, the servicer continued to cite landonly values and placeholders that dont match the bills. 

Company contacts & case IDs ( for CFPB submission ) : DeEscalations/Dispute Contact : XXXX XXXX XXXX, XXXX Company case XXXX : XXXX ( frontline ), XXXX ( Escrow )

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 2026-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Moved out of an apartment complex and paid my final rent portion. The complex was then sold to new owners whom charged me again after I moved out for rent I already paid then charged it to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
I disputed a purchase since I never received the item, the dispute was then processed but was then added back on the card after. Im just starting out building my credit and this has caused a huge mental burden on me and my credit has dropped at an extreme rate. They also said theirselves it shouldnt have been reapplied but they cant do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding repeated and excessive overdraft fees on my XXXX XXXX business checking account caused by the banks transaction posting practices and handling of pending debit authorizations. 

XXXX XXXX  has repeatedly charged overdraft fees even when deposits were made, by allowing pending debit transactions to post before deposits were fully credited and by reordering transactions in a manner that maximizes overdraft fees rather than reflecting real-time account activity. 

As a result, each deposit I make is immediately consumed by overdraft fees and previously pending transactions, preventing the account from returning to a positive balance and creating a continuous overdraft cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: LA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, an accidental transfer of {$300.00} was made from my account to a user named " XXXX XXXXXXXX '' via the Cash App platform. I immediately notified Cash App support to report this erroneous transfer and requested a reversal. 
Despite immediate notification, Cash App refused to investigate or assist in the recovery of funds, stating the transaction could not be canceled. This refusal violates my rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which requires financial institutions to investigate and resolve errors. 
The recipient ( " XXXX '' ) has refused to return the funds, resulting in theft. Cash App has the technical ability to reverse erroneous transfers but has refused to do so, acting as a facilitator for this misappropriation of funds. 
Relief Requested : I am requesting an immediate provisional credit of {$300.00} while this matter is properly investigated, and a full reversal of the erroneous transaction. 
I am aware that Block, Inc. ( Cash App ) is subject to CFPB scrutiny regarding its failure to properly handle consumer disputes and error resolutions ( Ref : Consent Order File No. 2025-CFPB-0001 ). I expect this matter to be treated with the compliance required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Today, XX/XX/year>, USAA placed an immediate and total restriction on my account, freezing all of my funds without any prior warning or explanation. The total amount being held is approximately. 

I immediately called the USAA fraud department to resolve the issue, verify my identity, and understand the cause. However, the representative I spoke with was unable to provide any clear reason for the freeze. They could not explain what specific activity triggered the restriction, nor could they provide a timeline for when the hold would be lifted. I was given no information and no path forward. 

USAA 's actions are preventing me from accessing my own money for essential living expenses. As a direct result of this unexplained freeze, I am unable to pay for necessities like rent, bills, and groceries. 

The company has frozen my assets, and its own fraud department can not provide a reason or a resolution. I have fully complied with their request to contact them, but they have failed to provide any information or remedy. My desired resolution is the immediate and unconditional release of all 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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC
State: NY

Complaint narrative:
I am filing a formal complaint against Mercury Financial regarding a {$49.00} annual fee charged to my account without prior disclosure or proper legal notification. 
On XX/XX/year>, I discovered a {$49.00} fee that was not included in my original Cardmember Agreement. While Mercury Financial claims a notice was mailed, I maintain that no such notice was received. Under Regulation Z ( 12 CFR 1026.9 ), a creditor must provide a written notice of significant changesincluding new annual feesat least XXXX days prior to the effective date. 
Upon identifying this unauthorized charge, I immediately contacted customer service on XX/XX/year>, to dispute the fee. The representative refused to waive the undisclosed charge. Consequently, I exercised my right to close the account on the same day. Despite the account being closed, I am still being requested to pay this fee. 
Under the Fair Credit Billing Act ( FCBA ), I am exercising my right to dispute this charge as a billing error. Furthermore, per 12 CFR 1026.9 ( h ), consumers have the right to reject significant changes in terms by notifying the creditor before the effective date. By closing my account the same day I was made aware of the fee, I have effectively rejected these new terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
Loan acquired XX/XX/XXXX. Payments due on the XXXX of each month. Always on time ( within grace period ). XX/XX/XXXX, I noticed my amount due was doubled. I paid the regular amount and contacted the bank on XX/XX/XXXX. Two reps tried to convince me my amount doubled because the payment was two days late, but somehow didnt include the late fee included in the contract ( {$29.00} ). When I requested my account activity be frozen until the issue is rectified, I was advised to report fraudulent activity. The fraud department kept disconnecting my call and refusing to assist.

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 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I dont know this company and theyre not the original Collector XXXX  XXXX is so this is false information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank closed my savings account without notice, yet continued to allow me to access and transfer funds as if the account were open. I was not informed the account was closed, and only learned after the fact. The account had a positive balance of {$150.00}. I was later told the funds would be sent by check which is incredibly inconvenient. This lack of notice and continued access to a closed account is misleading and improper. If my account was closed, I should have legally had notice or never been able to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased a vehicle in was Financed through Lobel Financial at the time the vehicle had prior problems before the purchase, Into my XXXX month of having the vehicle in my possession I began to have serious issues in was advised by the finance XXXX that if this vehicle was returned back to the lot that the balance would of been voided, that was not the car months later I start to receive calls from collection agencies, I voluntarily returned the vehicle to the lender under an agreement that the remaining balance would be canceled and no further collection would occur. Despite this agreement, the lender has continued to report a balance due and/or pursue collection activity, which is inaccurate and misleading. This conduct violates federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Furnishing inaccurate information to consumer reporting agencies Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) Attempting to collect a debt not legally owed Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Consumer Financial Protection Act I am requesting the following resolution : Immediate correction or removal of all inaccurate credit reporting related to this account Written confirmation that the debt was canceled pursuant to the voluntary surrender agreement Cessation of all collection activity related to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/year> Failure to provide complete validation results in the following legal obligations, company made threats of repossession

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 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I sent the following letter to Midland Credit on XX/XX/year> requesting XXXX XXXX since the following item was reported on my credit report as a XXXX off. See copy of letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XX/XX/year> Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Request for Issuance of Form XXXX for Canceled Debt To Whom It May Concern, I am writing to formally request the issuance of an IRS Form XXXX, " Cancellation of Debt, '' for the following account ( XXXX ) that your company previously charged off or settled for an amount less than the full balance owed : Account Number : XXXX Date Settled/Charged Off ( approx ) : XX/XX/year> Amount Written Off/Canceled ( approx ) : {$2000.00} According to IRS regulations, any applicable financial entity that XXXX a debt of {$600.00} or more is required to file Form XXXX and furnish a statement to the borrower. This debt was changed from a receivable to a loss in your accounting books, which necessitates the issuance of the appropriate tax form. 
I need this form to accurately complete my federal income tax return for the tax year 2025. Please investigate this matter and provide me with a copy of the official IRS XXXX XXXX or an acceptable substitute statement as soon as possible. Please send the document to the address listed above. 
If you have already reported this cancellation of debt to any credit reporting agency, please ensure that my balance has been updated to reflect a {$0.00} balance and that the item is noted as " account closed '' or remove it from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX of SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: New Southern Loans, Inc
State: NC

Complaint narrative:
Southern Loans contacted my employer and my work phone, contacted my family members and friends, left voicemails and texts ( back to back ), and came to my home regarding a consumer installment loan on multiple occasions. I did not give permission for them to contact third parties. In XXXX of the voicemails they left for me, they stated that they had come by my house to try to collect the debt. I did not give them permission to come by my home. I've also included that voicemail from XX/XX/year> in which this incident occurred, I also have pictures of them at my home in the year prior to this incident in which they left hand written notes on my door to call them, this has now been on-going behavior from them for 2 years. I believe this conduct is harassment and improper third-party contact. I am requesting that all collection communication stop and that this account be handled in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation XXXX XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under XXXX XXXX. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
I inquired with M & T Bank in XXXX XXXX, DE how I could close an account due to their branch allowing a joint account holder to endorse my name on a check made solely out to me and deposit it with an endorsement that I did not sign. They said I can not close or take my name off of the account without a death certificate from the other account holder. Meanwhile, I said I didn't want any of the money I just wanted to secure my financial means because they had allowed XXXX XXXX XXXX to forge my name and deposited the check. 

In fact, CCTV footage on Monday, XX/XX/XXXX would likely prove that he both forged the check and then signed and printed his own name on it with the same pen/in the branch in front of the tellers. 

I have now had to purchase XXXX to monitor my credit and this account due to their negligence in violating their own check deposit policies. They will not help me remove my name and the account holder will not cooperate to remove me from the account. Allowing a forgery, in branch, is violating the basic duty of care of the branch. They violated their own check deposit policy, that the person that the check is made out to must endorse and deposit the check and/or be present for a check that was endorsed in advance. I was not present. I did not consent for my name to be forged and M & T allowing this to happen has now exposed me to further opportunities to fraud as they could potentially allow him to sign on for joint credit or loans on a joint account that would require my signature to further process those products. 

I simply want to be removed from the account to restore my financial safety that was violated by negligence and M & T Bank breaking their own policies around check deposits. I have now spent XXXX of dollars. they can close the account and issue him a new number. I really do not care how it is done, but I want the mistake corrected in having no link to the account or the other account holder have further opportunity in the bank to collude with tellers to break policies that would allow my name to be forged. 

I am also consulting a lawyer on options based on the violation of the duty of care by M & T. My ask was simple- to remove me from the account based on their negligence.

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