vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I am writing to file a formal complaint regarding a tax refund that was deposited into the wrong bank account due to an incorrect account number listed on my federal tax return. 
I mistakenly entered an incorrect bank account number when filing my tax return, which resulted in my IRS tax refund being deposited into an account that does not belong to me. As soon as I became aware of the issue - XX/XX/year>, I contacted both the IRS and the receiving bank, USAA, to attempt to recover the funds. 
The IRS informed me that once the refund is deposited, they are unable to retrieve it and that the matter must be handled by the bank. However, USAA has refused to assist me in recovering the funds or investigating the improper deposit, stating that they can not take action without the consent of the account holder who received the funds or a letter of indemnity from the IRS. As a result, I am left without my tax refund and without a clear path to resolution. 
I believe USAA has a responsibility to address the improper deposit of funds, especially when the funds were clearly not intended for the recipient. I am requesting the CFPBs assistance in reviewing this matter and helping facilitate a resolution so that my tax refund can be recovered and returned to me. 
I have made good-faith efforts for almost a year to resolve this issue directly with both the IRS and USAA, but those efforts have been unsuccessful. I do not have the financial means to hire an attorney and am relying on the CFPBs consumer protection process for help. 
Thank you for your time and consideration. I am happy to provide any additional documentation or information needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: CA

Complaint narrative:
I rented a moving vehicle from XXXX XXXX for 4 days time on XXXX XXXX. On day 2 ( XX/XX/XXXX ) the vechile broken down. I immediately notified the stores manager and used their company tow service. The vechiel was picked up an and taken for repair by XXXX XXXX tow company XXXX element. The acting or temporary store manager failed to stop the rental clock and continued to charge my account for up to 8 weeks time while the vehicle was in repair instead of 2 days use. The contract doesnt state it would do that. I disputed the first weekly charge of {$900.00} to Bank of America now that it was on my credit card. It should only be 2 days charge. I provided proof that the vehicle was picked up by their company and in their possession being repaired for almost a month. BOA started charging interest ( {$64.00} ) unless I paid the XXXX. I spent hours talking with multiple people different days and sensing in proof of non possession of the vehicle. I asked for what proof disproves my evidence and they just said the contract I signed, which does not state I am to pay in event of break down. The company took back the vehicle on day 2. The XXXX XXXX manager failed to correct the error and wrongfully charged me. I disputed more than 4 times trying to get BOA to listen and they wouldnt. I emailed and certified mailed proof of possession in this matter and it got nowhere.

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 2026-01-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Upon checking my credit score today, I discovered a significant drop due to a 60-day delinquent charge of {$180.00} from Westlake Portfolio Management . I never received any prior notice regarding this balance. After contacting Westlake, I was informed that the debt originated from XXXX XXXX  I subsequently spoke with an agent named XXXX to explain the situation and request a cancellation. However, he stated that cancellation is no longer an option as the window has passed. I am seeking clarification on why this was reported to the credit bureau without prior notice, and I would like to proceed with canceling the service and establishing a payment plan for the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: GA

Complaint narrative:
I am disputing a debt reported by a collection agency related to an alleged apartment damage charge from a former landlord. I previously disputed this debt in writing with the debt collector and requested validation. The debt collector failed to provide any validation or verification of the debt. Despite this, the collection agency is now reporting the debt to the credit bureaus. 

The debt has never been validated. The original landlord did not provide a lawful itemized list of damages as required under Georgia law, and the collection agency has failed to verify the debt after formal dispute. Reporting an unverified debt violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

I am requesting 1. Immediate deletion of this collection account from all credit reporting agencies 2. Written confirmation that the debt has been removed The debt is approximately 3 years old and related to alleged " damages '' from a prior apartment rental. I disputed the debt in writing with both the rental company previously and the debt collection agency. Neither responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: AR

Complaint narrative:
I am submitting this complaint regarding ongoing mortgage servicing errors by Planet Home Lending, specifically the misapplication of payments, improper use of suspense funds, and inaccurate delinquency reporting. 

Over an extended period ( more than one year ), I have made multiple mortgage payments that were received by the servicer but not applied to principal and interest. Instead, Planet Home Lending repeatedly placed funds into an unapplied/suspense account, reversed previously applied payments during escrow rebuilds, and left monthly installments technically unpaid even though sufficient funds were tendered. 

As a result of these servicing actions : My loan continues to show as delinquent despite payments being made. 

Late charges have been assessed due to the servicers payment application decisions. 

Very little principal has been reduced, despite substantial payments made. 

Funds held in suspense have not been applied to cure the oldest unpaid installment. 

In a recent written response, Planet Home Lending acknowledged holding an unapplied balance of {$2800.00}, but stated they intend to apply those funds to late charges and escrow, rather than to the oldest unpaid monthly installment, which would cure the delinquency. This decision directly perpetuates the delinquent status even though funds are available to resolve it. 

I have repeatedly contacted Planet Home Lending by phone and email to request proper application of payments, removal of late charges caused by servicing errors, and correction of my loan status. These efforts have not resolved the issue. 

I believe these actions constitute mortgage servicing errors, including : Failure to properly apply payments received Improper handling of suspense/unapplied funds Assessment of late charges caused by servicer misapplication Inaccurate delinquency reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, between approximately XXXX PM and XXXX PM, XXXX unauthorized ATM withdrawals were made from my account in rapid succession. These withdrawals occurred across approximately three to four different ATM locations that I have never used before and have no history of using. 

I did not authorize, initiate, or benefit from any of these transactions. This activity is completely inconsistent with my normal account behavior. I have never withdrawn cash multiple times in such a short time window, nor have I ever used these ATM locations in the past. 

At the time of these withdrawals, my physical card was in my possession, and no one else had access to my card or my PIN. I did not share my PIN with anyone, and I did not lose my card or report it stolen prior to these transactions. Because of this, I do not understand how these withdrawals could have been legitimately authorized by me. 

Immediately upon discovering the transactions, I reported them as unauthorized to the company and filed a police report. Despite providing this information, my dispute was denied without a clear explanation of how the withdrawals were determined to be authorized or how the investigation addressed the clear red flags, including : Eight withdrawals within approximately 11 minutes Multiple unfamiliar ATM locations A spending pattern that does not match my account history The fact that my card remained in my possession at all times Of the eight transactions, one was approved while another was denied, despite all transactions occurring during the same time period and under the same circumstances. This inconsistency suggests that the investigation was incomplete or improperly conducted. 

I am requesting a full review of this matter and reimbursement of the unauthorized withdrawals. I am also requesting documentation explaining how the determination was made, including what evidence was relied upon to deny my claim. 

These funds are essential for my family. I am a parent to a three-year-old child, and the loss of this money has caused significant financial and emotional hardship, affecting my ability to pay rent and provide basic necessities. 

I am asking for this complaint to prompt a thorough, good-faith investigation and a reversal of the denied transactions in accordance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
There is an account on my credit report that I did not open and do not know who did from Sunbelt Credit account # XXXX XXXX XXXX balance of {$580.00} and opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: WA

Complaint narrative:
The debt originated from sprint. XXXX then sold the debt rights to collect to Jefferson Capital Systems LLC and then Jefferson Capital system LLC sold the debt collection to XXXXXXXX This debt was a result of identity theft. This is what i proclaimed to sprint from the beginning year was about XXXX when I first seen the dept on my credit report. I disputed this debt with all three major credit reporting agencies back then in XXXX. But then Jefferson Capital Systems started the process of taking me to court. I didnt learn about this action until years later when I viewed it on my credit reports. Then 2 days ago XX/XX/XXXX or so i recieved an email from XXXX trying to collect this fraudulent transaction from XXXX. Through out the years I have been beaten down financially and emotionally from there attempts to collect this fraudulent account. They refuse to accept i am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
There is an account on my credit report that I did not open and do not know who did from Debt Recovery Solutions account # XXXXXXXX XXXX XXXX XXXX XXXX  balance of {$570.00} opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year> XXXX unauthorized wire transfers left my account and went to someone else, one was for amount of {$22000.00} the other for amount of {$25000.00}. On that day, my bank reached out to me from the fraud department asking if I okayed the wire transfers I explained I knew nothing about them and absolutely not my doing. I was told the wire transfers would be recalled so I thought all was good. I then reached out a few days later because I still had not received the money back in my account and the bank has closed my case they expect me to be OK with losing {$48000.00}.

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 2026-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
They called me today XX/XX/XXXX at XXXX and I picked up the call not knowing who it was. This is the first time I have spoken with anybody over the phone at all about this alleged debt. She said there were XXXX accounts from a radiology clinic. XXXX from this year which I am aware of and was supposed to be covered by workers comp so I am in the process of dealing with that and then XXXX from XXXX for a few XXXX dollars that I wasnt sure about. She also said it was XXXX to credit reporting ( aka its not even on my credit report ). I requested for written verification of the debt via mail since I wasnt sure what she was referencing and she said they dont do that and theyre only required to notify me which is what she was doing. I told her debt XXXX are required to provide written verification of a debt upon request which is typically by mail or email and she said no that wont be happening its not required and then asked how I wanted to settle the debt and attempting to push me into paying it. Mind you this is alleged MEDICAL DEBT that is not even visible on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I closed my XXXX Secured Card from Synchrony Bank. On XX/XX/year> I received a letter that within XXXX business days a check for my security deposit would be mailed out. I am expecting a check of {$200.00}. Since XX/XX/year> I have contacted Synchrony Bank on XXXX separate occasions regarding my security deposit refund check. To this date I still have not received it in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
I applied for an XXXX and was told it would cost about {$500.00}. and that they would respond to me within XXXX  days. I never heard back, and when I went back in to reapply, my XXXX  more than doubled, but they have still not gotten me the paperwork to contest this higher payment.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I received a letter from Montgomery Ward on XXXX XXXX about an offer for the holiday since I was a good customer. They said I could charge up to my limit and not have a payment until after the holidays. So times were tough and I took them up on their offer. I started getting mail saying I was late with a payment. I called Montgomery Ward. I spoke with credit department. The girl said to me " we never sent any letters ". They kept sending late notices. I sent a copy of letter they sent me to credit dept. XXXX nothing. I called after getting " you better pay letter ''. I called. Talked to supervisor XXXX. She said it goes to accounting. I then sent XXXX letters ( the same letter they sent me ). XXXX, XXXX XXXX and a XXXX XXXX is a made up name. XXXX XXXX. XX/XX/year> I received a letter from XXXX XXXX. I had XXXX days to call and tell them what I intended to do to solve the problem basically. So I called the same day and I talked to a XXXX. They don't allow you to talk to the departments every time I call I have to tell the person who answers the phone my problem so I told the man my problem. I told him I was calling to make sure they got the copy of the letter I sent and if he could help me did they take off my late fees. He came back and said I'm sorry but if we reduced you're late fees it's going to cost you {$20.00}. Now whatever that meant I don't know but it ended up being I owe {$20.00} more than what I initially owed. I paid {$80.00} last week just because. And now they state I owe {$77.00} and I am {$31.00} over my limit. They have never acknowledge that this really is happening. When I asked to speak to a XXXX XXXX they put me off like well they're not going to handle the call I am. So I don't believe there's a XXXX XXXX. All I want is the late fees taken off. And I want an apology. Those ladies really acted like I was a child and talk to me real slow the XXXX 's supervisor did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: TX

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 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I accepted a Store card offer at the insistence of the checkout clerk at a XXXX XXXX store. I bought a power charger that could be used in a vehicle as I was going to XXXX to help family members who were devasted by XXXX XXXX. Purchase amount was {$58.00}. After leaving the store it dawned on me that the address used for the application was incorrect because I'd moved recently and my Driver 's License was not yet updated. I went back and was told to call the toll free number that was listed on the confirmation slip I received. I did that when I got home and advised of my new address. On XX/XX/XXXX, I travelled to XXXX. Since I would be away for an undetermined length of time, I had my partner periodically check mail and pay bills accordingly. There was no correspondence regarding this new store credit line - no statement, terms of agreement, or card for that matter. XXXX XXXX, communication efforts in XXXX have been challenging but eventually I found a related message in my spam folder from a company called XXXX. On XX/XX/XXXX, my partner called and obtained a balance of {$90.00} which included interest and a {$30.00} late fee. After explaining about not getting any mail etc, she was told the card was returned to their corporate office and destroyed. With that said, she requested a late fee waiver and asked to pay off remaining balance of {$60.00} and expressed the intention to close the account. The rep said the fee can only be refunded if there's a balance on the account so the instruction was to pay {$31.00} that day then pay remaining {$29.00} next day XX/XX/XXXX. This was done as instructed but when my partner followed up a few days later, not only was the late fee not waived, the balance seemed to have ballooned to over {$100.00}. It becomes quite clear now that this was meant to be PREDATORY. My bank statement shows total payment to XXXX  for {$60.00}. Cost of goods {$58.00}. Given the unusual circumstances involved, not to mention the glaring acts of deception, misrepresentation and unfair actions which erode confidence, Fortiva has been instructed to reverse the fees and close the account since I NEVER received the necessary documentation required to operate this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
This is a conventional loan and I contacted the loan provider XX/XX/XXXX Mr Cooper to cancel the PMI insurance since we are past the 20 % equity threshold. They said that they can make a request but that the loan does not have to remove the amount even after the amount is hit. This is not what was explained by our loan officer or what was explained at our closing. It was explained that if we hit the 20 % earlier that it would end these payments. I contacted them again today on XX/XX/XXXX on why we are still being billed and they said they would make a backend request to the team and it would take 15 business days to process but it was not guaranteed that this would be canceled. I asked why and they could not give an answer but agreed this was a conventional mortgage.

Company response to consumer: Closed with explanation