vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Requested a validation of a debt : reference account XXXX Proof that this debt belongs to me, including documentation bearing my name and showing my legal obligation to pay. 

A copy of the original contract, agreement, or other instrument bearing my signature that created the debt. 

An itemized breakdown of the current balance. 

The date the balance first became delinquent. 

Proof that the agency is properly licensed and authorized to collect debts in my state. 

None of the above information was provided. At this point Jefferson Capital is harassing me over a debt they cant even provide validation. I will attach the unacceptable documents sent to me that provide no evidence of legal obligation. Jefferson capital must stop all communications at this point and remove any remarks from credit bureaus. I will be considering legal action moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account was overdrawn and the bank did not notify me by text, email, or phone call. I had no notice to rectify the situation although they had done so in the past. I was charged a {$40.00} overdraft fee even though my account is not opted into overdraft protection. I attempted to get the charge reversed and they gave me {$20.00} back as a one time courtesy, but when I pressed for the full {$40.00} refund they insisted they were unable to do so.

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 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted a complaint to the CFPB regarding Capital One the complaint ID : XXXX. Capital One uploaded a response through the CFPB portal. However, the response document was not accessible, expired document, and viewable on my end was due to expiration or limitation base on the attachment file from Capital One Credit Card. 

Despite my inability to review the companys response, the CFPB closed the complaint. Because I was unable to access the document, I was not provided a meaningful opportunity to review, evaluate, or respond to the companys submission before closure. 

The inability to access the companys response prevented full participation in the complaint process and denies my right to a fair process in the CFPB financial treatment to fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
The loan rate per month doesn't meet my financial standards, and i cant afford biweekly payments. I've called on several occasions to refinance my loan for a better APR, and the company 's response is " we don't do that ''. this tactic is keeping a customer " stuck '' paying more interest and late fees when they cant afford that full monthly payment. the interest accumulated daily is unethical and robbing the consumer and should be revised. it seems I will never get out this loan with BRIGDECREST because my payments are only going to interest and not principle. I'm being called and harassed over 28 times per week by this company and NC law is no more than 7 times weekly for bill collectors. I've been sent 22 emails from XXXX. They are always threatening to take my car. I need better options and I want to get this company out of my pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a business loan from a neighbor to pay for business account bills and deposited it in my business account. Capital one has been holding check deposits and not notifying me, which is against the law. They put the wrong note on my account and said it was for my neighbors bills when i said it was for my business bills. 

My account is now frozen and under review for wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
I am submitting a formal complaint regarding my mortgage servicer Cross Country Mortgage failure to properly manage my escrow account and pay my homeowners insurance premium. 

In XXXX, I contacted Cross Country to report discrepancies between the escrow balance reflected in their records and the balance reported by my previous servicer following a loan transfer. ( Cross Country showing a lower escrow amount ) After review, the servicer acknowledged the issue and corrected the escrow amount. I was assured that the account would be adequately funded to cover future obligations, including my homeowners insurance. At that time there seemed to be no confusion as to who the insurance provider is or the amount due at time of renewal. 
Despite this correction, my homeowners insurance premium was not paid when due. 
As a result, I am now facing the risk of a lapse in coverage on my home that started XX/XX/year>. This situation is especially concerning, as I relied on the servicer to properly manage escrow funds specifically collected for this purpose. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
b'I am submitting this complaint regarding unauthorized electronic transfers totaling XXXX from my Citibank account via three separate XXXX  transactions.\n\nOn or about XX/XX/XXXX, my personal computer was compromised by malware. During this time, my computer froze and became unresponsive. I was unable to access my system normally. While the device was compromised, three unauthorized XX/XX/XXXXtransfers were initiated from my Citibank account, totaling XX/XX/XXXXI did not authorize these transactions. I did not provide my login credentials, verification codes, or consent to any third party. I was not contacted by Citibank regarding unusual activity, suspicious login attempts, or high-risk transactions prior to or during these transfers. No fraud alert, account lock, or transaction verification call/text was made to me before the funds were released.\n\nI reported the fraud to Citibank immediately on XX/XX/XXXX. I also filed a police report / filed an FTC identity theft report / ran antivirus and had my computer taken to a professional to scrub.  He identified over 20 viruses and malware on my computer.   Despite reporting the incident promptly and explaining that my device had been compromised, Citibank denied my claim and refused to reimburse the XXXXThese transactions were unauthorized electronic fund transfers conducted while I was the victim of cybercrime. Under the Electronic Fund Transfer Act (EFTA), consumers are protected from unauthorized electronic transfers when reported in a timely manner. I fulfilled my obligation by notifying the bank promptly.\n\nI am requesting:\n\nA full reimbursement of the XXXX in unauthorized XXXX  transfers\n\nA detailed written explanation of the banks investigation findings\n\nDocumentation showing why the transactions were not flagged as suspicious\n\nConfirmation of what security monitoring was in place at the time\n\nI believe Citibank failed to adequately protect my account and failed to properly investigate this fraud claim.\n\nI respectfully request regulatory review and assistance in resolving this matter.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX  business account fraud occurred on and has been closedXXXX personal account still open'

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 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: OKX INC.
State: SC

Complaint narrative:
XX/XX/year>, OKX INC, a registered as a Money Services Business with the XXXX XXXX XXXX XXXX ( XXXX ), a bureau of the U.S. Department of the Treasury, offered me a deposit match via email and an in-app pop-up. The initial terms of the offer I opted into were a 5 % match on funds held for 24 days, with payments made every 2 days. However, the offer terms were quickly changed to a 5 % match on funds held for 24 weeks, with payments made every 2 weeks ( 14 days ). This dropped the effective APY of the offer from 110 % to 11.2 %. OKX INC has refused to honor the terms of this initial offer, despite the attached screenshots showing the offer I opted into.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
CFPB Complaint Federal Student Loan PAYE Phaseout Issue Type : Federal Student Loan IncomeDriven Repayment / Loan Terms Changed I am submitting a complaint regarding the planned phaseout of the Pay As You Earn ( PAYE ) incomedriven repayment plan and the financial harm it causes to longstanding borrowers. 

I have been enrolled in the PAYE repayment plan for approximately 11 years. At the time I entered repayment, PAYE provided loan forgiveness after 20 years of qualifying payments. This timeline was a central and material term of the repayment program and directly influenced my financial behavior and longterm planning.

My household relied on these terms in good faith when making major financial decisions, including budgeting, retirement contributions, and repayment strategy. Because forgiveness after 20 years was an established feature of the plan, we structured our finances accordingly rather than aggressively paying down principal.

The planned phaseout of PAYE and potential requirement that borrowers transition to repayment plans with longer forgiveness timelines or materially different terms retroactively changes the conditions under which I borrowed and have repaid for more than a decade. This creates direct financial harm and removes a benefit that influenced years of financial decisionmaking.

From a consumer protection standpoint, changing repayment terms after 11 years of compliance undermines reasonable reliance on disclosed program features and creates significant financial uncertainty for borrowers who acted in accordance with the programs stated structure.

I am requesting that this complaint be recorded as consumer harm caused by retroactive modification of federal student loan repayment terms and that the Department of Education clarify protections for borrowers who have already made substantial progress toward forgiveness under PAYE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: MS

Complaint narrative:
I tried to take a class through the XXXX XXXX XXXX. When I enrolled I was told that my previous education would be sufficient for the missing degree. I have an XXXX  and other college education. I was withdrawn from the class for not having the correct degree. I was withdrawn from the email system. I sent in XXXX dollars toward the class thinking they cut me off while waiting for funding. I received a letter grade of XXXX which was later changed to withdraw. I also did a petition for retroactive withdraw on XX/XX/XXXX I have emails and phone calls and letters I have written from XX/XX/XXXX. Didnt know I had a problem so started keeping them in XXXX. Received a collections notice from Williams and Fudge stating I owe XXXX. I contacted them and stated I do not owe this bill and I am disputing the bill. I am still receiving phone calls. I have asked for information for the debt and who do I need to talk to at the university He stated he would get me the information. I have not received any information only that I owe the debt. I have been talking to XXXX XXXX at the University. I filled out forms for retroactive withdraw. I filled out forms for discrepancies. I filled out forms because I am XXXX. I filled out forms because I am older. I called them the university again on XX/XX/XXXX. I was explained debits and credits. She also stated she was trying to help me. I stated Im done. I have been doing this for 2 years and ruining my credit. I did tell her I understand debits and credits but because I was withdrawn I do not owe money for a class I did not take. Please help and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was charged thousands of dollars on my card by XXXX. I did not make the charges, nor do I know the companies, people, or the products or services. I reported this to Citi on several occasions, to XXXX, and to the FBI. XXXX has been totally uncooperative as has Citi. They continue to bill me for the fraudulent amounts and continue to add interest and late fees. I paid the card in full in XX/XX/year> for the charges I personally made. However, they will not acknowledge that and continue to send me statements with the disputed charges without providing any proof that the charges are mine. It is affecting my credit rating.

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 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have several credit cards with banks, but All have been compromised slowly. they are duplicating transactions of previous purchases even with new cards they keep hitting my apple pay and wallet. every time a holiday come this happens. All of my emails are being hacked also. I also noticed that a gas station I used my phone for tap pay with in Maryland made a weird sound and denied me, but when I look at my statement XXXX duplicate charges. this is a breach of something and I'm trying to stop it. 
XXXX website also.

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 2026-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have XXXX loans serviced by Select Portfolio Services, XXXX XXXX XXXX, XXXX, XXXX. 
I use XXXX on-line bill-pay to make the payments and have for XXXX decades. I had a XXXX rep call them today and had a 3-way conversation with them. My payments are due on the 1st and I'm allowed a 15 day grace period. They are very slow to credit my account for the payments. They constantly pester me to set up auto-debit which I refuse. The constantly pester me that they haven't received my payment far before the expiration of the grace period. I have never been late. They refuse to allow XXXX to send my payments electronically and insist on receiving paper checks at their XXXX. As an example : XXXX mailed my XXXX payments to them last month on XX/XX/year> as I requested a delivery date in the XXXX bill-pay portal by XX/XX/year>. SPS stated they didn't received it until XX/XX/year> and it cleared on XX/XX/year> although they posted it to my account on XX/XX/year>. They caution on their monthly statement to allow 7-10 days for postal delivery. I did and always have. I find it very hard to believe that it took 12 days for the postal service to deliver it. XXXX has processing centers in numerous locations and I'm told they use the closest one to the delivery address. I suspect SPS collects the mailed in payments 5 or 6 days a week. I further suspect they received it much sooner than the XXXX but are slow with their internal processing and posting by a few days. As far as I'm concerned, I'm paying them on time and not deserving of their constant whining and pitch to use auto-debit and paperless billing. I sometimes feel like giving into them and setting up auto-debit for the XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MO

Complaint narrative:
To Whom It May Concern : I love my PNC Bank and enjoy being a customer. I am having some difficulties getting ahold of customer service representative. The problem I am having is as follows : My Fiance and I joined XXXX XXXX  in XXXX XXXX XXXX. However, due to XXXX XXXX Violations we experience, such as XXXX XXXX  at the gym, XXXX XXXX  at the gym and discrimination because of our XXXX, XXXX, I looked into discontinuing the charges placed on my bank account. At this time, I have been unsuccessful in having the charges stop, as we are no longer interested in doing business with XXXX XXXX due to the discrimination my Fiance and I experienced. She is XXXX  and I am a XXXX XXXX who is with her. Her and I are being targeted at that gym. 

Therefore, I wish the charges to stop and no longer transpire in my personal checking account. I have called PNC several times, customer service and at the XXXX XXXX, none of which answered. 

Also, I am not able to change my cell phone number, as I have a new number. The XXXX is no longer in service, as my new number is XXXX. 

Please have PNC Bank contact me. 
Very Respectfully, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
" Im disputing an {$8000.00} billing error regarding a transfer initiated from my Bank of America credit card to my XXXX XXXX account on XX/XX/XXXX. I provided the correct destination information, but the funds were never received. 
Although this transaction occurred several months ago, I have been actively disputing this with Bank of America since I discovered the error. Bank of America has repeatedly misclassified my claim ( Claim # XXXX ) as a 'fraud ' claim. They denied it twice ( most recently on XX/XX/XXXX ) by claiming I used a 'verified device. ' This is irrelevant to my dispute, which is a misdirected payment/billing error under Regulation Z. 
By misclassifying the claim, the bank failed to conduct a reasonable investigation into the actual delivery of the funds. I now have a formal statement from XXXX XXXX confirming non-receipt of the {$8000.00}. The bank has currently placed a trace on the funds but is demanding a 90-day wait period while I am being held liable for the {$8000.00} and accruing interest. I request that the CFPB compel Bank of America to correct their classification of this error and restore my credit line immediately. ''

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 2026-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
In response to : COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Debt collection ISSUE Attempts to collect debt not owed The company can not respond to this complaint. 
We sent your complaint to the company for a response. The company let us know that it can not respond to the issues raised in this complaint through this process. 

I am writing in response to Innoviss statement that it can not respond through the CFPB. This position is inaccurate and does not satisfy Innoviss legal obligations under federal law.

Innovis is a consumer reporting agency subject to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the supervisory and enforcement authority of the Consumer Financial Protection Bureau. A consumer complaint submitted through the CFPB constitutes a valid dispute and request for investigation under FCRA 611 ( a ).

Innovis does not have the discretion to refuse to respond to a CFPB complaint or to opt out of the CFPB complaint process. Failure to provide a substantive response and conduct a reasonable investigation within the required statutory timeframe constitutes a violation of : FCRA 611 ( a ) Duty to investigate consumer disputes FCRA 607 ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy CFPB UDAAP standards prohibiting unfair or deceptive acts or practices Redirecting the consumer to another channel, or stating an inability to respond through the CFPB, does not relieve Innovis of its duty to investigate and respond to this complaint. 

Accordingly, I request that Innovis : XXXX. Conduct a full and reasonable investigation of the disputed information ; XXXX. Provide a written, substantive response through the CFPB portal ; XXXX. Correct or delete any information that can not be verified as accurate, complete, and timely reported. 

If Innovis fails to comply, I will pursue all available remedies, including additional regulatory complaints and enforcement actions as permitted under FCRA 616617.

This notice is provided to preserve my rights under federal law.

Company response to consumer: Closed with explanation