vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — FHA 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: LoanCare, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Date : XX/XX/year> To : LoanCare Subject : Formal Dispute Regarding Inaccurate or Incomplete Disclosures Mortgage Account # [ Account Number ] Dear To Whom It May Concern, I am writing to formally dispute certain information and disclosures provided ( or not provided ) under the Mortgage Disclosure Act ( TILA/Regulation Z ) concerning my mortgage loan referenced above. 
Upon reviewing the documents related to my loan, I discovered that the required disclosures were either incomplete, inaccurate, or not provided within the legally required timeframe. 
As a borrower, I am entitled under the Truth in Lending Act ( TILA ) and the Mortgage Disclosure Act to receive accurate, timely, and complete loan cost disclosures. Failure to provide this information compromises my ability to make informed financial decisions and may constitute a violation of federal lending regulations. 
I respectfully request that you : XXXX. Provide accurate and complete copies of all required loan disclosure documents within XXXX business days. 
XXXX. Correct any errors in the disclosed terms, including [ list specific items or figures ]. 
XXXX. Provide a written explanation of the steps taken to resolve this issue. 
Please consider this letter a formal notice of dispute under applicable consumer protection laws. I expect a full response within XXXX days from the date of this letter. 
Thank you for your prompt attention to this matter. I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or appropriate state regulatory authority if this issue remains unresolved. 
Sincerely, 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 2026-02-04 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXXXXXX To XXXX XXXX XXXX XXXX XXXX XXXX ( Credit Reporting Agency ) RE : CEASE AND DESIST / FORMAL DISPUTE OF COLLECTION ACCOUNT I am writing to formally dispute and demand the removal of the following collection account currently being reported on my consumer credit reports. This letter also serves as a cease and desist notice regarding any further reporting or collection activity unless full legal verification is provided. 
ACCOUNT IN QUESTION Creditor / Collection Agency : Midland Credit Management Account Type : Debt Buyer / Collection Account Account Number : XXXX Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account {$540.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Current Balance : {$540.00} Original Balance : {$540.00} Balance Updated : XX/XX/XXXX Terms : XXXX  Month BASIS FOR DISPUTE I dispute this account in its entirety for the following reasons : No proof of ownership or assignment Midland Credit Management has not provided competent evidence that it legally owns this alleged debt or has the authority to report it. 
Failure to provide validation I have not received proper documentation showing : A signed contract bearing my signature A complete payment history Proof of assignment from the original creditor Evidence the amount claimed is accurate Accuracy and compliance concerns Reporting this account without proper verification violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 
CEASE AND DESIST NOTICE Pursuant to my rights under federal law, I hereby demand that Midland Credit Management cease and desist from any further collection activity, communication, or reporting of this account unless and until full legal validation is provided. 
If Midland Credit Management can not provide complete and lawful verification, this account must be deleted immediately from my credit file. 
DEMAND FOR ACTION I am requesting that you : Conduct a full reinvestigation of this account Require Midland Credit Management to provide lawful verification Delete this account if verification can not be produced Provide written confirmation of the results of your investigation Failure to correct or remove inaccurate information may result in further action to protect my rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Signature : __________________________ Date : _____________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: WI

Complaint narrative:
After following Commerce Banks instruction to unfreeze my checking account, outbound payments from both savings and checking accounts continue to be rejected. 
Specifically : A {$180.00} payment to XXXX XXXX was rejected when drawn from my savings account. 
A {$160.00} camper loan payment was rejected when drawn from my checking account. 
These rejections occurred after the checking account was unfrozen. 
I was not notified in advance that outbound payments would be restricted. 
Commerce Bank has not contacted me to request verification, explain the restriction, or provide a resolution path. 
Funds remain in my accounts, but I am unable to use them to meet lawful financial obligations. 
Harm caused Returned payments to third-party lenders Increased delinquency risk and potential credit damage Inability to access my own deposited funds for ordinary expenses Ongoing uncertainty due to lack of notice or explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This letter serves as a formal demand to " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ( XXXX ) XXXX '' that you immediately cease all debt collection communications with me and our household. Your repeated contacts are severely affecting my mothers health. I have repeatedly requested by telephone that your representatives stop calling, yet the calls have continued, causing her XXXX XXXX to rise to dangerous levels and creating extreme emotional distress. 

Accordingly, this is a formal cease and desist request that you stop all further contact regarding this debt, including but not limited to phone calls, text messages, voicemails, emails, letters, and any other form of communication to any telephone number, email address, or physical address associated with me, my mother or our household. I do not want to receive any further calls, mail, or other collection contacts about this debt at any time in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Deer Creek Lending
State: CO

Complaint narrative:
About a month ago, I was surfing the Internet. 
When I saw a good loan offer I only needed XXXX dollars and they approved it so quickly. 
No contract was sent to my email I just wanted to sign so that the funds would be ready in XXXX working days, and I did. 
Days pass and the first charge arrives that did not even know how much I had to pay, XXXX dollars every XXXX weeks, I have already had XXXX fees. 
Talk to them and they tell me that my contract expires on XX/XX/XXXX, that is, paying more than half for XXXX dollars seems crazy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TN

Complaint narrative:
I asked for validation of the debt to include my drivers license and social security card used to lease the apartment and they have never reached back out to me and provided me with any validation it was me that rented the apartment. XXXX  also will not remove it every time I dispute it they deny it even though there has been no debt validation given to me. The debt is through a place called XXXX XXXX XXXX and I do not know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: WI

Complaint narrative:
On XX/XX/year>, I contacted Commerce Bank to stop specific ACH debit payments from my personal checking account because I am experiencing financial hardship. I was attempting to block only certain debits. A bank representative informed me that each individual XXXX stop would incur a {$37.00} fee, totaling several XXXX dollars. The representative then suggested that instead of placing individual stops, I should freeze my checking account and unfreeze it when needed. Relying on this guidance from Commerce Bank, I followed that recommendation. 
Since doing so, Commerce Banks actions have caused severe and ongoing harm. 
I maintain XXXX savings accounts at Commerce Bank totaling approximately {$9000.00}, as well as XXXX unsecured credit cards issued by the same bank. After freezing and later attempting to unfreeze my checking account, Commerce Bank has effectively blocked my access to my savings, even though those savings accounts were not overdrawn, charged off, or subject to any court order. 
Commerce Bank has : Rejected outgoing payments drawn from my savings accounts even though I provided valid routing and account numbers Returned authorized payments to third parties, causing missed payments and credit damage Prevented me from transferring funds from savings to external accounts Failed to provide clear notice, explanation, or written justification for restricting access to my savings As a result, critical payments are being blocked, my credit is being damaged, and I am unable to access my own funds for basic living expenses. This feels like a de facto XXXX of my savings without notice or legal authority. 
Additionally, I recently received notice that Commerce Bank closed my primary credit card account based on my credit report, while simultaneously preventing me from accessing the savings I need to survive and pay obligations. Commerce Bank has not contacted me to resolve this, despite my repeated attempts to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> three ( 3 ) XXXX Payments were made totaling {$4800.00}. I received a call.That was the phone number for chase bank fraud protection. I discovered later that this number was masked. I picked up the phone on the 2nd call and the person.On the other line indicated that this was fraud protection and they see that people were trying to take money out of my account. They told me on the phone to not log in my account because it was closed and that they were working on getting all these expenses reimbursed. They told me to stay on the line. As you can see from my cellphone records, I did for a long period of time. I was told i would receive a call the next day. When I didn't, I called chase fraud protection. They didn't understand at first what I was talking about. Then, I realized I was scam, and someone broke into my account added these people to my zell and sent themselves money. I've asked chase about what phones were used, IP addresses, cookies. All they said was they did their investigation and nothing seemed unusual. Unfortunately, I think JP Morgan Chase doesn't care. In my opinion, these were unauthorized and these should have been noted Immediately. I was telling the theme people on the phone were impersonating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I filed bankruptcy and was discharged in XX/XX/year>. However Capitol One is still showing two accounts and their histories. This is illegal and I should only have one account. 

XXXX ACCOUNT ENDING XXXX XXXX ACCOUNT ENDING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC.
State: GA

Complaint narrative:
Gulf Coast Collections company has issued text messages, phone calls, and voicemails claiming that I owe a debt for {$300.00} on behalf of XXXX XXXX XXXX XXXX. I paid a similar bill last year with a different collections agency on behalf of XXXX ( a company within XXXX XXXX XXXX ). XXXX XXXX not show anymore information than that. Their website is flawed, there are spelling mistakes, words that aren't words, and the ONLY thing you can do on their website is give them credit card information. There is no portal, no account list, or anything to show what you're paying. There is ONLY " give us your credit card number. '' I contacted billing at XXXX XXXX XXXX, and the only outstanding debt I have is for {$550.00}, and that is with XXXX. I will attach the email that shows that balance here. I believe XXXX to be fraud. It is not showing on my credit, but they send multiple text messages a week for a debt that can't be proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: Chime Financial Inc
State: MO

Complaint narrative:
I am filing this complaint against Chime Financial , Inc. regarding repeated unauthorized charges from the merchants XXXX XXXX  XXXX XXXX totaling {$1000.00}. 
I requested multiple times that Chime block both merchants to prevent further charges. Despite these requests, Chime allowed additional transactions to go through. As a result, I have been charged repeatedly, including pending charges, even after asking for the merchants to be blocked. 
I subsequently filed disputes for these charges. Both disputes were denied, even though the charges continued after Chime had been notified and had a responsibility to prevent them. 
I am requesting : Immediate reversal of all disputed charges totaling {$1000.00} Written explanation for why these merchants were not blocked after my requests Confirmation that both merchants are now permanently blocked Reassessment of the denied disputes in light of Chimes failure to act I believe Chime failed to provide reasonable account protections after being notified of unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: NY

Complaint narrative:
ProCollect, a debt collection agency, is furnishing inaccurate information on my credit report. On XX/XX/XXXX, a collection account ( associated with an apartment complex ) appeared on my report listing an address where I have never lived. This appears to be a mixed file error. The original creditor and the collection agency failed to provide the legally required validation notice or final bill to my correct, last-known address, thereby denying me my right to dispute the debt before collection. 

I mistakenly paid this debt around XX/XX/XXXX, due to the confusion caused by their reporting errors. I attempted to resolve this directly with ProCollect via phone on XX/XX/XXXX. The agent was uncooperative, explicitly stated they could not delete the tradeline despite the address inaccuracy, and only offered a " paid in full '' letter via email ( which was never sent ). This demonstrates their refusal to follow FCRA guidelines or correct factual inaccuracies in their reporting. 

I have attached a copy of my credit report showing a 'Paid, Closed ' status with a XXXX balance ( Attachment A ). This confirms the payment was made, but the agency is still refusing to delete the inaccurate tradeline.

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 2026-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: NY

Complaint narrative:
i am writing to submit an urgent complain against Direct Express prepaid debit card program, administered by Comerica Bank. this is the bank i use to receive my Social Security benefit which is my only source of income. i have not had access to my funds since XX/XX/XXXX when i submitted a claim for a transaction that did not result in a delivery of the goods ordered. since that date all attempted transactions have been returned or declined,. My federal benefits are effectively inaccessible. despite more than XXXX hours attempting to resolve the issue with Direct Express customer service, i have received no resolution, no .explanation and no timeline for restoring access. the situation has escalated into a medical and financial emergency. As a XXXX XXXX  i need insulin injections. facing deductibles my insulin pods XXXX  day supply is {$680.00}. no access to almost my entire check places me at imminent risk of a diabetic coma. These supplied determine whether i live or die, my XXXX XXXX now is XXXX and climbing with every meal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App ( owned by Block , Inc. ) permanently closed my account, stating only that they identified activity that violated their Terms of Service. No specific transaction, behavior, date, or policy section has ever been identified. 

I appealed the decision and explicitly requested clarification regarding the exact activity that allegedly violated their policies. Cash App refused to provide this information and responded only with a generic statement that they are sticking with their decision, without addressing my request for details. 

I have been a loyal Cash App customer since 2019 and have used the platform for legitimate, everyday financial transactions. The closure of my account without disclosure of the alleged violation prevents me from disputing the decision or understanding how the determination was made. 

As a financial services provider, Cash App should provide transparency regarding adverse actions taken against a consumers account. Denying access to funds and services while refusing to disclose the basis for the decision is unreasonable and unfair.

I am requesting that Cash App : 1. Identify the specific transaction ( s ), behavior ( s ), or account activity that allegedly violated their Terms of Service 2. Cite the specific policy or section relied upon 3. Clarify whether the decision was made through automated review or manual investigation If Cash App is unable or unwilling to provide this information, I am requesting that this be stated explicitly in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: MO

Complaint narrative:
After receiving my new XXXX XXXX Card, and attempting to update my online recurring charges for the new card, I am getting " Payment Declined '' from them all. Though, I was able to use the new card to pay my bills. Also, when attempting to purchase groceries, I was again given Payment Declined using XXXX, but when I lowered the purchased amount to under {$100.00}, it went through. 

I am tired of XXXX XXXX being the Gatekeeper of MY MONEY. Where I choose to spend my cash is my business, not theirs. My account should be whitelisted across all online business, not guarded by some contractor who decides if I can buy what I want or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My XXXX XXXX were recently approved to be XXXX by the department of education for XXXX. They have continued to deny receiving information about this and havent no updated any information regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had three Capital One credit cards in good standing : Capital One Platinum, Capital One Quicksilver, and Capital One Bass Pro Shops Club. 

On XX/XX/XXXX, I made large payments intended to completely pay off all three accounts in order to reduce my balances and improve my credit profile : Capital One Platinum : {$3100.00} Capital One Quicksilver : {$460.00} Capital One Bass Pro Shops Club : {$530.00} These payments were returned. I am not certain whether this was due to my bank flagging the large total amount or a processing issue, but there was no fraud involved and no intent to avoid payment. 

As soon as I saw the returned payments, I immediately resubmitted the same full payments on XX/XX/XXXX, and the funds successfully cleared. 

The very next business day after the payments cleared, Capital One closed all three of my accounts citing returned payment and potential fraudulent activity. 

I contacted Capital One and explained the situation. I was told there is nothing they can do and that my only option is to apply for new accounts. 

This is extremely unfair. I made full payment in good faith to pay off my cards. The funds cleared. I do not owe any balance. Yet my accounts were closed and this will be reported to the credit bureaus as adverse action, which will significantly damage my credit score.

There was no fraud. This was an isolated returned payment that was immediately corrected.

Company response to consumer: Closed with non-monetary relief