vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 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: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My mortgage servicing was transferred from XXXX to XXXX XXXX effective XX/XX/year>, less than XXXX month before my first payment was due. My XX/XX/XXXX payment fell during the servicing transfer window. 

When I attempted to contact XXXX XXXX by phone to confirm payment instructions and ensure my account was properly set up, I was unable to reach a live agent. The phone system required account authentication before allowing access to any representative, even though the loan had not yet been fully accessible to me. 

This prevented me from receiving confirmation or reassurance regarding my first mortgage payment during a legally protected servicing transfer period. I ultimately had to locate the Lakeview website and create an account on my own to confirm the payment amount and due date. 

I am concerned about the lack of human support during a critical onboarding period and the barriers placed on borrowers attempting to manage time-sensitive mortgage payments.

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 2026-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
I am disputing a student loan originated through XXXX and American Education Services ( AES ) in connection with the XXXX program. My loan qualifies for cancellation under the XXXX Placement Guarantee because I was not placed in qualifying employment during my participation in the program. 

XXXX and XXXX and have formally confirmed in writing that eligible fellows loans are to be forgiven following a recent agreement between the two companies. I have documentation from XXXX leadership confirming this. 

My loan servicing was recently transferred from XXXX to American Education Services ( AES ). AES states they have not yet received documentation from XXXX or XXXX and is demanding payment, with my first installment due XX/XX/XXXX. 

This is a servicing transfer failure. I have acted in good faith, promptly contacted all parties, and provided documentation. I am requesting : Immediate administrative forbearance while the cancellation review is completed Confirmation that no negative credit reporting or late fees will occur Proper coordination between XXXX, XXXX, and AES to execute the agreed loan cancellation I am not refusing to pay. I am requesting a temporary hold due to a documented dispute and pending forgiveness determination. 

Please resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: IL

Complaint narrative:
I received a text message stating that they were trying to collect a debt for an account that I never had open. Called the company and they said they had the wrong number and were going to remove my number from their list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Timeline of Events : Initial Collection : On XX/XX/XXXX, a debt was placed for collection with Columbia Debt Recovery LLC ( d/b/a Genesis ) for an alleged balance of {$6900.00} originating from XXXX XXXX XXXX XXXXXXXX XXXX 

Validation Request : I formally disputed this debt and requested validation, specifically asking for a signed lease agreement to prove the validity of the charges. 

XXXX XXXX : On XX/XX/XXXX, the company sent an email ( Account # XXXX ) claiming to provide " validation of debt. '' The total amount claimed is now {$8000.00} ( reflecting {$1100.00} in interest ). 

Identification of Error : The documentation provided by the company as " validation '' included a purported lease agreement that is entirely unsigned. It contains no signature from me nor from the property manager. 

Current Status : Despite being notified that an unsigned lease is not a binding contract ( contrato vinculante ) and does not establish legal liability, the company continues to report this unverified debt and is attempting to collect interest on a non-existent agreement. 

Statement of Problem : Columbia Debt Recovery LLC is in violation of the FDCPA and FCRA by attempting to collect a debt that they can not verify with a legally executed contract. An unsigned lease agreement is legally insufficient to prove a debt is owed or that I ever entered into a contractual obligation with XXXX XXXXXXXX XXXX XXXXXXXX. Furthermore, they are adding 6 % annual interest to a balance that has no legal basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
It really doesnt matter anymore because you contacted the company, they lied to you, and theres nothing you can do about it. Its just a waste of my time. I just wanted you to know that you wasted my time because I thought there was something that you could do, but theres nothing you could do your powerless other than just accumulating 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 2026-02-02 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: Acorns Grow Incorporated
State: NY

Complaint narrative:
I opened an Acorns account, linked my bank, and deposited funds in full compliance with their terms. Several weeks later, Acorns requested additional verification as part of a random spot check. I promptly submitted all requested documentation, including identity verification and bank confirmation. 

Despite providing all requested documents, my account was permanently banned, and I was labeled an unsupported customer. I have repeatedly contacted Acorns via phone and email to get a clear explanation, but they have not provided any specific details about alleged violations or account activity. Supervisors confirmed that my documents were received, yet no resolution or clarification was offered. 

Additionally, Acorns denied referral bonuses that I had earned, even though all required steps were completed. The lack of transparency, delayed communications, and unexplained account closure have prevented me from accessing my funds and resolving the issue directly with the company. 

I am requesting a clear written explanation of the reasons for the account closure, identification of the policies allegedly violated, and reconsideration of the account termination and denied referral bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I was a day late with my XXXX payment to Best Buy Citi Bank credit card. I paid the statement balance in full the day after it was due. I paid a {$29.00} late fee and {$15.00} interest fee in XXXX. However, Best Buy Citi Bank has continued to charge me interest even though I have paid the statement balance in full in XXXX, XXXX and XXXX. I called the company today and was told that's their policy. 

I thought it is illegal to charge interest when customers pay their statement balance in full. Please advise.

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 monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am disputing an alleged rental debt being collected on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. 
My lease ended on XX/XX/XXXX. In early XX/XX/XXXX, I received an emailed final account statement claiming more than {$1300.00} in damage charges. These charges included excessive and fabricated fees for normal wear and tear. I immediately disputed the charges in writing with the property manager and requested proof and documentation. I sent multiple written disputes and follow-up emails, including a final written notice in XX/XX/XXXX. The property manager never responded and never provided any validation or documentation. 
Despite the unresolved dispute, the account was later referred to a third-party debt collector. I was contacted by the debt collector in XX/XX/XXXX regarding an alleged balance of approximately {$1300.00}, including added interest. 
The creditor failed to respond to my disputes, failed to validate the charges, and escalated the account to collections anyway. The debt is not valid and not legally owed. I have requested validation from the debt collector under the Fair Debt Collection Practices Act. I am filing this complaint because an unverified and disputed rental debt is being collected after the creditor ignored multiple written disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On Monday, XX/XX/year> I pulled My credit report and discovered the following inaccuracies : 1. Date Inconsistency : The " Date of First Delinquency '' does not align with the actual payment history provided. This is a violation of the requirement for " maximum possible accuracy. '' 2. High Credit/Limit Mismatch : The report lists a Credit Limit of {$230.00}, yet the High Credit column ( Code 233 ) reflects {$420.00}. This conflicting data creates an inaccurate debt-to-limit ratio and negatively impacts my credit score based on false information.

3. Lack of Notification ( FDCPA Violation ) : This debt was " parked '' on my credit report without any prior attempt to contact me or provide a validation notice. This deprived me of my legal right to dispute the debt within the initial 30-day window.

Under the FCRA, these discrepancies constitute inaccurate reporting. If these items can not be verified with 100 % accuracy and consistency across all fields, they must be removed from my consumer file immediately.

Please investigate these matters and provide me with a written response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
One Vanilla gift card was purchased as a XXXX gift at XXXX in XXXX, Texas, for a purchase price of {$100.00}. When the card was later used, it was discovered that the funds had been stolen through fraudulent/scammer activity prior to legitimate consumer use. The card was never shared, transferred, or mishandled by the recipient. 

We contacted Vanilla Gift Card customer service twice to report the fraud and were assigned Case Number XXXX. Despite providing all requested information, Vanilla refused to fully reimburse the stolen funds, stating that it accepts no responsibility once the gift card is purchased. We received only a partial reimbursement of {$30.00}, leaving {$70.00} unrecovered.

This appears to be part of a broader, systemic issue involving Vanilla gift cards, which are widely reported to be vulnerable to fraud. Consumers are left bearing the financial loss even when fraud occurs before any legitimate use.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
A Within the lad month Mt students Loans was not Reflectioning on my credit now they are showing again. I applied for derfment on these accounts. 

{$4100.00} and {$7600.00}

Company response to consumer: Untimely response
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Betterment LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, my email address was found on the dark web. I received three fraud alerts through creditwise through my XXXX XXXX XXXX. The alert showed that Betterment was the source of my email being compromised on the dark web. They either sold my email or failed to keep it secure. On XX/XX/XXXX, I contacted Betterment customer support multiple times - through their app, email, and calling. I wanted them to delete all my accounts and delete my personal information. They said that only California residents are protected and that they will not delete my personal information despite this breach unless I am a California resident. This means that Betterment claims that they are allowed to sell your personal information or fail to keep your personal information safe, and they will continue to do so despite a breach, and they will not delete your personal information unless you are a California resident. Everyone else is subject to scammers, fraud, and having their personal information on the dark web. Please assist me. I just want them to delete my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CT

Complaint narrative:
FORMAL CONSUMER COMPLAINT CREDIT REPORTING ABUSE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX Date : XX/XX/XXXX Against : IC System Inc. ( Debt Collector ) XXXX  XXXX XXXX  Re : Federal Credit Reporting and Debt Collection Violations To Whom It May Concern : I am filing a formal federal complaint against IC System Inc. and XXXX XXXX XXXX for unlawful debt collection and credit reporting practices in violation of federal law. 

IC System is reporting a collection account under my name : Creditor : IC SYSTEM INC Account Number : XXXX Balance : {$760.00} Opened : XX/XX/XXXX This account is being reported to XXXX  as a valid debt despite IC System having no lawful proof that the debt is mine, legally owed, or legally reportable. 

IC System has never provided : A signed contract A bill of sale A chain of custody An itemized statement Proof of reporting authority Despite this, they are publishing this information to XXXX, damaging my credit, blocking me from credit approval, and causing financial injury.

These actions violate : Fair Credit Reporting Act ( 15 U.S.C. 1681, 1681i, 1681e ( b ) ) Fair Debt Collection Practices Act ( 15 U.S.C. 1692g, 1692e ) This illegal reporting has caused me : Credit denials Financial loss Emotional XXXX  Damage to my reputation I request the CFPB and FTC to : 1. Order the immediate deletion of this account 2. Investigate IC System for unlawful credit reporting 3. Impose regulatory penalties 4. Require restitution and damages This company is using credit reporting as a weapon to extort money on unverified debt, which is illegal under federal law. 

Sincerely, XXXX XXXX XXXX

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 2026-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
Subject : Complaint Regarding Cash App Account Deactivation Without Explanation To Whom It May Concern, I am submitting this complaint regarding Cash App ( Block, Inc. ) for deactivating my account without providing a meaningful explanation or opportunity for fair review. 

On or around XX/XX/year>, my Cash App account was suddenly deactivated. I was informed only that I had violated the Terms of Service, but Cash App has refused to identify which specific term was allegedly violated or what activity triggered the deactivation. I have submitted multiple appeals and requests for clarification, all of which have resulted in automated or templated responses that do not address my questions or provide any factual basis for the action taken.

Cash App was my primary financial tool. I used it to receive funds and pay for essential living expenses such as rent, groceries, and bills. The abrupt deactivation caused immediate financial hardship and disruption. Cash App has access to my full transaction history going back several years, which reflects routine and lawful personal use with no unusual or suspicious activity.

Despite repeated good-faith attempts to resolve this matter, Cash App has : - Failed to identify the specific Terms of Service allegedly violated - Failed to provide evidence or examples of the supposed violation - Failed to offer a meaningful appeal reviewed by a human decision-maker I am concerned that Cash App is relying on automated systems to make account closure decisions without transparency, due process, or adequate customer support, leaving consumers without access to their own funds or a way to correct errors.

I respectfully request that the Consumer Financial Protection Bureau review this matter and require Cash App to : 1. Provide a clear and specific explanation for the account deactivation 2. Conduct a genuine, human review of my account and transaction history 3. Restore my account if no valid violation is identified, or otherwise provide documentation supporting their decision Thank you for your time and assistance. I appreciate any help the CFPB can provide in ensuring fair treatment and accountability. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Christian Credit Counselors, Inc.
State: FL

Complaint narrative:
I enrolled in a Debt Management Plan ( DMP ) with Christian Credit Counselors in good faith and made my first payment on XX/XX/year>. One of the creditors included in my plan is XXXX XXXX. 
XXXX XXXX  has informed me that they will continue to report my account as delinquent and advance it to 90 days past due unless XXXX  renegotiates the DMP balance to include amounts that accrued before the first payment posted. I have requested that XXXX  renegotiate or amend the plan to include those amounts. 
XXXX  has refused to renegotiate, even though XXXX XXXX  has made it clear that the current DMP structure is not viable and will cause ongoing credit harm. As a result, I am being harmed despite making payments as agreed. I enrolled in a Debt Management Plan ( DMP ) with
Christian Credit Counselors in good faith and made my first payment on XX/XX/year>. XXXX of the creditors included in my plan is XXXX XXXX. 
XXXX XXXX  has informed me that they will continue to report my account as delinquent and advance it to 90 days past due unless XXXX renegotiates the DMP balance to include amounts that accrued before the first payment posted. I have requested that XXXX  renegotiate or amend the plan to include those amounts. 
XXXX  has refused to renegotiate, even though XXXX XXXX  has made it clear that the current DMP structure is not viable and will cause ongoing credit harm. As a result, I am being harmed despite making payments as agreed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding Consumer Portfolio Services ( XXXX ) and their handling of my auto loan while I was actively attempting to resolve a delinquency. 
On XX/XX/year> I contactedXX/XX/XXXX to request a good-faith hardship accommodation and to discuss payment options to avoid repossession. I clearly stated that I want to retain the vehicle and am willing to pay. 
I was transferred to a supervisor XXXX XXXX XXXX, who stated that my account is XX/XX/XXXX days past due and that XXXX has issued a repossession order. I was advised that no repossession hold would be considered unless a payment of {$640.00} is pending in their office, and that no alternative arrangements or temporary holds were available. 
I asked whether any hardship review, loss-mitigation review, or managerial discretion was available while I was actively communicating and requesting assistance. I was told that no one is refusing anything, but that recovery efforts would continue unless full payment was pending, despite my request for alternatives and my stated intent to pay soon. 
I informed XXXX that I was unable to submit the {$640.00} on the same day, but that I am actively working toward payment and requested written confirmation of their position. XXXX declined to place any temporary hold and continued recovery activity. 
My concern is that XXXX proceeded with repossession activity without offering or documenting any meaningful loss-mitigation or hardship consideration, despite active borrower communication and willingness to resolve the account. I am requesting that XXXX provide documentation of any hardship or loss-mitigation review that was conducted and explain why no temporary accommodation was considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: Pressler & Pressler, LLP
State: PA

Complaint narrative:
pressler felt and warshaw is trying to sue me for an account in a debt relief program. I cant get in touch with them to try to resolve this, so they decided to sue me in small claims court.

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