vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TN

Complaint narrative:
i have a cashapp for my church. It's a business account and we pay the required fees for our transactions. Suddenly, my account was not active or suspended. I contacted the support team for explanation and they kept saying that I was in violation of terms and conditions. I have NO IDEA what or how they come to this conclusion. I have chat with their support team and BEGGED for specifics and none was given. I use cashapp for online giving. I filed an appeal and received email stating that the decision was to deactivate my account. I still have no idea why that choice was made and no one has explained to me what I violated. 

I have used cashapp for years and suddenly, I have violated their terms and conditions. I am a very honest person and I feel like they have treated me like a criminal. IF I VIOLATED ANYTHING, I would like to know what it is. That's all I am asking for. I am asking so I do not make the same mistake again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: COLUMBIA BANKING SYSTEM, INC.
State: FL

Complaint narrative:
My bank closed my account around XX/XX/year>, without any explanation or reason. 
Until now Im waiting a cashier check with my pending balance {$1.00}

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
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
I received dental care from XXXX XXXX in XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Florida XXXX. I was charged for a XXXX  procedure that I never received. I did not consent to, authorize, or undergo this procedure Despite contacting XXXX XXXX multiple times to dispute this charge and request correction or removal of the charge, they have refused to correct my bill and continue to attempt collection. This has incorrectly impacted my account and may affect my credit report I have attempted to resolve this directly by calling XXXX XXXX and going to their office. I also contacted the collection agency NRA Group on XX/XX/XXXX talking to someone that was very rude and terminated the call because I refused to give out my personal information XXXX XXXX has not corrected the error or provided evidence that the procedure was performed. 
This charge is wrongful and fraudulent. I am requesting that the CFPB investigate this claim, require XXXX XXXX to remove the charge, and correct any reporting or collection activity stemming from it. I was sitting in onother XXXX  office and two patients were talking about XXXX XXXX doing procedures that they didn't approve and forcing them to pay so it's obvious this is something they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MECHANICS BANK
State: CA

Complaint narrative:
My account at XXXX was closed around XX/XX/year> by the bank, without any letter or explanation until now. 
Also the balance on my account XXXX as not been yet sent from the bank and received be me, I need my money in a cashier check sent to my mailling address on file

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding the mortgage servicing and loss mitigation practices of Select Portfolio Servicing, Inc. ( SPS ) related to my home loan. 

Beginning approximately in XXXX, my husband and I sought a loan modification due to financial hardship. From that time forward, we remained in continuous loss mitigation review with SPS for several years. 

Throughout this period, SPS repeatedly requested financial documentation, including bank statements, tax returns, and other financial information. These documents were submitted multiple times, often month after month. Despite our repeated compliance, SPS frequently issued Missing Information notices followed by General Acknowledgement letters stating that correspondence had been received and routed internally, without providing a substantive decision or resolution.

We eventually retained legal counsel to assist with the modification process, and SPS acknowledged our representation. Despite this, the same pattern continued : repeated document requests, acknowledgement letters, and internal routing without resolution. 

In XX/XX/XXXX, SPS issued a loss mitigation denial. The denial was based solely on account delinquency, ineligible delinquency, and insufficient recent payments. SPS acknowledged that it reviewed a complete assistance package but denied all home retention options because the account had become too delinquent. 

The delinquency cited as the basis for denial accrued during the prolonged loss mitigation review period that SPS controlled, while we were actively cooperating, submitting documents, and relying on professional guidance during the review process. The loss mitigation process itself created the condition SPS later relied upon to deny assistance. 

Even after the denial and appeal, SPS continued issuing compliance acknowledgment letters stating that inquiries were under review, without providing a substantive response or resolution. As a result of these prolonged and unresolved loss mitigation practices, our loan was placed into foreclosure. 

We respectfully request that the Consumer Financial Protection Bureau review SPSs loss mitigation practices in this matter, including the prolonged review timeline, repeated document requests, loss mitigation cycling, and denial based solely on delinquency that accrued during active review. We also request that SPS be required to provide a clear accounting of the loss mitigation timeline and consider appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
My VANILLA MASTERCARD was placed on hold and I was unable to use it, I called the customer care to complain and I was told that the card was placed on hold due to suspicion of potential scam because they felt the card was used on a phishing website and I was told I will need to send in my documents to verify my identity before my Vanilla gift card can be Replaced, I did as they asked and I havent gotten my Replacement Card yet with my {$500.00} Balance, Vanilla saying that my mailing address is not valid for a replacement card and I need to provide another address, I dont understand how thats possible, please I need help regarding that and my Replacement Card should be Sent to my Address bc thats where I live, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I tried to deposit a check from XXXX XXXX XXXX into my Truist checking account. They placed a 10 day hold. I need to pay rent. Guy on phone said it may be fraudulent check. There's no way it is. I don't know why.

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 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WA

Complaint narrative:
Hello XXXX XXXXXXXX XXXX I opened my checking account on XX/XX/year> with XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX Washington. 
I never been abble to access to my online banking and during all of this time I dont know if my account remains open and how to access to my online banking because when I use my credentials the answer from the system is " we are setting up you online account ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Request for Debt Validation Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to request validation of the debt that your company claims I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive verification of this debt.

Please provide me with the following information : 1. The amount of the debt, including any interest or fees.

2. The name of the original creditor and details of the original account.

3. A copy of the original signed agreement or contract.

4. Proof that Jefferson Capital Systems has the legal right to collect this debt.

Until such validation is provided, please cease all collection activities and communication with me regarding this debt.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Florida XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX  XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} Statement : I dispute this account due to the charge-off status and the incorrect balance. Please verify and correct the reporting. 

XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} Statement : This account is being reported incorrectly. I ask that this be reviewed and corrected based on my records. 

XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} Statement : I dispute this accounts charge-off status and the balance. I request full verification of this entry. 

XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$88.00} Statement : The account is inaccurately reported. I request that it be corrected and verified. 

XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} Statement : This account is not valid and is being reported incorrectly. Please verify the account information. 

XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} Statement : This account should not be reported as charged off. I dispute its accuracy and request further investigation. 

XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} Statement : The charge-off status and balance are incorrect. Please verify and correct this account. 

Inquiries : XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX : This inquiry is disputed as unauthorized. Please investigate. 

XXXX Date : XX/XX/XXXX XXXX : I do not recognize this inquiry. Please verify and remove it. 

XXXX Date : XX/XX/XXXX XXXX : Please verify this inquiry as it appears unauthorized. 

XXXX XXXX Date : XX/XX/XXXX XXXX : This inquiry should not be listed. Please investigate. 

XXXX XXXX Date : XX/XX/XXXX Statement : I dispute this inquiry and request it be removed after verification. 

XXXX  Date : XX/XX/XXXX XXXX : This inquiry is not valid. Please verify and remove it. 

XXXX Date : XX/XX/XXXX XXXX : This inquiry was made without my consent. Please investigate. 

XXXX Date : XX/XX/XXXX XXXX : I dispute this inquiry and request confirmation of 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 non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
REF : BOA XXXX credit card ending XXXX Annual fee posted in XX/XX/XXXX statement period. I requested to close the card and get an annual fee refund on XX/XX/XXXX. Bank of America close the card XX/XX/XXXX, yet continued to accrue interest and did not refund the annual fee. BOA CSRs and BOA escalation manager refused to refund accrued interest and the annual fee after closing the card. The annual fee covered card usage through XX/XX/XXXX, but I could no longer use the card since BOA closed it. We can resolve this matter by BOA simple refunding the {$98.00} Annual fee plus accrued interest.

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 2026-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: SC

Complaint narrative:
I was completely vacated and removed from a lease at the ranch at XXXX XXXX in XXXX XXXX South Carolina before the other tenant XXXX XXXX XXXX abandoned the apartment. I was not notified of the leasing office believing I owed any debts until a debt collector called XXXX  contacted me. They are attempting to collect a debt for removal of furniture from the apartment. I have disputed the debt and was not provided any information regarding the dispute. I have received continuous calls from the collector. The apartment will not provide the supporting documents of my removal from the lease.

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 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this formal complaint against Capital One Bank for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, regarding the reporting of inaccurate and unfair negative information on my credit profile.

Capital One has reported multiple late payments from XX/XX/year> to XX/XX/year> on my account # XXXX. However, Capital One failed to provide me with a Notice of Negative Information, as required by Section 623 ( a ) ( 7 ) of the FCRA. This federal law mandates that financial institutions must notify a consumer either before, or no later than 30 days after, furnishing negative information to a nationwide consumer reporting agency. 

Furthermore, I contend that the reporting of these late payments is inaccurate because I was not properly notified of the alleged delinquency or the bank 's intent to report such status to the bureaus. This lack of notice deprived me of my right to resolve any potential discrepancies before damage was done to my credit standing. 

As a direct result of this failure to follow federal notice requirements, my credit score has been severely impacted, affecting my ability to secure financing and manage my personal finances effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime Financial closed my XXXX XXXX account due to my bankruptcy filing XX/XX/year> in the amount of {$1800.00}. After the account was closed, Chime failed to return my remaining balance. 

Despite contacting Chime, I have not received my funds, clear communication, or confirmation of when or how my money will be returned. These funds belong to me and are not forfeited because of bankruptcy. 

Chime is required to return remaining balances within a reasonable time after account closure. I am aware that the CFPB has previously taken enforcement action against Chime for illegally delaying consumer refunds.

I am requesting : Immediate return of my remaining balance Written confirmation of the amount owed An explanation for the delay I have documentation showing the account balance prior to closure and my attempts to resolve this directly with Chime.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Today ( XX/XX/year> ) at approximately XXXX XXXX  and XXXX XXXX, I received emails from Capital One containing documents labeled as related to claims XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. The documents provided do not pertain to my claims or transactions. They appear to contain unrelated statement information. This raises serious concerns about both the accuracy of your claims process and the potential mishandling of sensitive financial information. I specifically requested the merchant documentation relevant to my rebuttal. Resend the correct merchant evidence for both claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: Valon Technologies, Inc.
State: LA

Complaint narrative:
It has been XXXX  days since my initial request for mortgage assistance. I have been denied deed-in-lieu, and the current short sale application ( which was submitted twice at their request ) remains unaddressed despite all complete paperwork being provided XXXX  days ago. I have additional provided a reasonable purchase offer for the short sale, and I can not get a straight answer on the status of the offer approval or my application. There is also a discrepancy of information across departments, because the insurance department continues to send me letters regarding vacancy without properly addressing open mortgage assistance case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: NEW YORK COMMUNITY BANCORP INC
State: PA

Complaint narrative:
My mortgage was serviced by XXXX XXXX until it was sold in XX/XX/XXXX. I paid three months of mortgage payments in XXXX to XXXX XXXX. It is now XXXX and in order to file my income tax return I require a XXXX form from XXXX XXXX for the mortgage interest and property tax payments I made while they serviced my mortgage. They are required by 26 CFR 1.6050H-2 ( b ) ( 6 ) to supply me with a 1098 by XX/XX/XXXX. As of the date of this complaint, XX/XX/XXXX, I have not received the required 1098 form. I have communicated with XXXX XXXX  by telephone on three occasions, and on each occasion I have been provided contradictory information regarding the status of my XXXX form. First, I was told that it was mailed on XX/XX/XXXX. When I did not receive the form in 5 business days from that date, I called XXXX XXXX  again and this time I was told that there was a " printing error '' which resulted in " revised '' forms being mailed out on XX/XX/XXXX. When I did not receive the form in 5 business days from that date I again called XXXX XXXX  and was told that a " filing error '' had resulted in the forms being mailed out on XX/XX/XXXX. It has now been five business days from the date of this last communication with XXXX XXXX and I have still not received the required 1098 form. My most recent communication with XXXX XXXX  was today and they informed me that they are unable to advise when I will receive my 1098 form. They are in flagrant violation of 26 CFR 1.6050H-2 ( b ) ( 6 ) and have impeded my ability to comply with my own legal obligation to file my income tax return. Furthermore, they have provided inconsistent and false information to me when I have attempted to resolve this problem with them directly.

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