vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was in the middle of an emergency root canal and was offered care credit financing. It was presented as 0 interest for 24 months. If its not paid off in 24 months interest starts accruing. This was never advertised as deferred interest, nor was I told if it wasnt paid off within the promotional time period that I would be charged interest for the 24 months prior- no interest for 24 months. Nothing I was shown said deferred interest and I just signed and agreed, again, while in the middle of an emergency root canal. Two years later I login to pay my bill as usual and see Im well over {$2000.00} over my limit. I start looking and see I was charged an exorbitant amount of interest on a balance less than {$1500.00}. I inquire with customer service and they explain my promotion was for deferred interest. I explain to the representative that I was told it was no interest for 24 months and if I didnt pay it off then interest would start accruing. They didnt care and said what I signed and agreed to was deferred. I explained it didnt say that anywhere that I could see and that I signed while having an emergency root canal. They basically said its in the fine print and Im SOL unless I pay the balance right then, only then would they remove the interest. I advised them that they have been sued for doing this in the past ( I XXXX while contacting them and found that ) but are continuing to do it. I went back and forth for a while trying to get a resolution but was told I agreed to the terms so I was responsible for the new balance. I advised them I wanted the account closed and that I would no longer be making payments. This is deceptive and predatory and should not be allowed. I dont know if the receptionist at the dentist was advised like others in the past to not mention that it was deferred or if she honestly didnt know she was advertising something falsely, but I was hurried through and she skipped pages so quickly I wouldnt have been able to see she was advising me improperly. Had I known this was deferred interest I would never have signed up. I would have gotten a conventional loan or borrowed it from my parents with lower interest. As stated earlier, theyve been doing this for years and have been sued and ordered to pay for doing exactly this, yet theyve continued to do it. I also got zero communication that the term was ending and that I would be charged for back 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 explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: KS

Complaint narrative:
I am submitting this complaint regarding the reporting of a 30-day late payment on my XXXX account. This issue occurred during the transition of my account from XXXX to XXXX. While the account was with XXXX, I had autopay set up and consistently made my payments on time. When the account transitioned to XXXX, the existing autopay arrangement did not carry over, which resulted in a missed payment without my awareness at the time. Additionally, the original Vive account now shows as closed following the transition to XXXX, indicating that the account structure changed. This change contributed to the disruption of the previously established autopay setup and overall account continuity. As soon as I became aware of the issue, I made a significant payment toward the balance and am actively working to resolve the account. A large portion of the balance has already been paid. This was not due to an ongoing pattern of missed payments, but rather a one-time issue directly tied to the account transition and disruption of the previously established autopay. I have attempted to resolve this directly with XXXX but have not been able to obtain assistance. I am requesting that XXXX review this situation and update its reporting to remove the XXXX late payment, as the current reporting does not fully reflect the circumstances surrounding the account transition, autopay disruption, and change in account structure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: PA

Complaint narrative:
Multiple calls and texts per day. This is a violation at this point. Extremely harassing behavior. They also call from a different phone number every single day so its hard to even block these numbers. XXXX XXXX call and text XXXX XXXX calls XXXX text XXXX XXXX call and text XXXX XXXX calls and text XXXX at least one call and text per day This is repeated and persistent almost every day for the last XXXX months now. I also have unknown numbers calling me which I believe is them too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TN

Complaint narrative:
In XX/XX/XXXX, I opened a Cash App account. In XX/XX/XXXX I received a payment of {$5000.00}. Something happened when someone stole my phone and tried to remove funds. I recovered the phone and disputed the transactions but it was too late as there were a plethora of transactions I had to dispute that were requesting funds be processed that I didnt authorize. I received about more than half of my balance restored to me but my phone recently was lost ; thus disconnected the number and my account was closed during that period. I recovered the phone but unable to restore the old number due to being a free assisted phone company that once you do not use the phone on the first of the month, it is disconnected indefinitely. I can not verify myself for my account and I appealed many times to actions either shown or reported that I violated terms which I didnt. I can show the transaction was made from another account but not my own because my transactions history along with previous balance was removed. Additional information provided by consumer : XXXX Consumer stated that he needed to update the company name and address he provided in the complaint. As per consumer " The company name should be Cash App Block Incorporated Cash Disputes XXXX XXXXXXXX XXXX XXXX XXXX, California XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NJ

Complaint narrative:
so this is about Cash app. I woke up one day and received an email stating that my Cash App has been closed due to violation of terms. I contacted Support to ask them what happened and all they said was that I violated the terms and conditions which I did not, and when I asked specifically, what terms did I violate, they will not specify. They just kept giving me robotic repetitive responses. I only use my account to pay bills by groceries. Normal basic things like that nothing illegal or crazy. I also know this on the Internet all over the United States. A lot of people 's cash apps are becoming close for the same exact reason of mine for no apparent reason or explanation and I'm pretty sure that's illegal and not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified reporting of a collection account by LVNV Funding on my credit reports. Account Information : LVNV Funding Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX This account is currently being reported as a collection on my credit file. I formally dispute the accuracy, completeness, and legal reporting of this account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under FCRA 1681s-2 ( a ) and 1681e ( b ), furnishers of information are required to report information with maximum possible accuracy. LVNV Funding has failed to provide sufficient documentation to verify the validity of this debt, including : A signed contract or agreement bearing my signature with LVNV Funding Proof of lawful assignment or transfer of the alleged debt from the original creditor Complete account-level documentation, including full payment history Evidence that LVNV Funding has the legal authority to collect and report this account Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have requested proper validation of this debt, which has not been adequately provided. Furthermore, this account appears to be in violation of Metro 2 compliance standards, as the data being reported is incomplete and potentially inaccurate, including but not limited to account status, ownership, and payment history. Because this account can not be properly verified and does not meet the legal standards required for reporting, it must be deleted from all credit reporting agencies immediately. I am requesting the following resolution : 1. Immediate deletion of this account from all credit bureaus ( XXXX, XXXX, and XXXX ) 2. A full investigation into LVNV Fundings reporting practices 3. Written confirmation of deletion Failure to comply with these federal requirements constitutes a violation of the FCRA and FDCPA. I expect this matter to be handled promptly and in accordance with federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: CO

Complaint narrative:
On XX/XX/year> at XXXX, I tried to withdraw {$80.00} from my checking account associated with my XXXX account. ( As I earn money driving for XXXX, my earnings are automatically deposited by XXXX into a Branch checking account ). The ATM made noises for approximately 1 minute, never dispensed any money, and then gave me a receipt stating that I had withdrawn {$80.00}. I checked my account and confirmed that the {$80.00} was removed from my account even though I had received none of it. I immediately called the phone number on the ATM and the representative I spoke to said that their tech would find an extra {$80.00} in the ATM but that they would need me to file a dispute on the transaction with my bank and then the bank would have to reach out to them as part of their investigation in order for my money to be restored. I immediately filed a dispute on the transaction on my baking app. This had to be around XXXX. By XXXX, I had received an email from XXXX saying that my dispute had been denied and that they had " determined that no error has occurred. '' I called them and they told me that their terms and conditions state that they don't have any obligation to resolve any issues with faulty ATMs, and when I tried to argue, they hung up on me. I called back, and they said that if I had additional information to submit, they could reopen the dispute. I asked what information they wanted ( I had already given the details of the transaction ). They would not elaborate. I emailed them a picture of the receipt hoping it would get them to reopen the dispute, but they did not. In my email, I requested any and all documents used in their investigation and that if they did not resolve my issue and restore my money, I would file a complaint with the Consumer Financial Protection Bureau. They did not reopen the dispute, and they never responded to the email. The ATM was an XXXX ATM at a XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. It was terminal XXXXXXXX XXXX XXXX XXXXXXXX, card number ending in XXXX, XXXX Debit XXXX. The ATM is owned and operated by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: EGL US, LLC
State: IL

Complaint narrative:
BMG loans disclosed misinformation and changed the terms of the agreement after loan was approved. I was informed that I would be able to refinance after XXXX consecutive payments and the terms have since changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account at regions bank has been frozen since XX/XX/year> due to suspected fraudulent activity. It has now been over weeks with no resolution or timeline provided. They have only told me to come in with my ID. I am currently on house arrest and can not leave my home to visit a branch, yet the bank continues to demand in-person verification despite my repeated explanations. This freeze is causing significant hardship as I can not access my own funds for basic living expenses. I request that the bank immediately unfreeze my account, return my funds and close my account, or provide a clear written explanation and a firm date for resolution. '' It has been over 6 months. Thank you. Regions Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
My husband and I have a mortgage loan with Amwest Funding Corp Loan # XXXX and we are in the process of refinancing with another lender. The refinance took a little longer than expected. ( The expected closure of the loan was supposed to be in late XXXX ). Throughout that process, we were not instructed by Amwest to make a XXXX payment but rather we were thanked for communicating the status of the refi. However, around XX/XX/XXXX, we received an email stating both I, and my husband who is joint on the loan, have been reported to the Credit agencies for being past 30 days late. We immediately called Amwest for an explanation and was instructed to make the payment and explain the situation via email to customer service. We made the payment and wrote an explanation email asking for a 1 time goodwill adjustment to the credit complaint. However, Amwest has denied this request without a fair investigation or even consideration. The refi is expected to successfully close out on XX/XX/XXXX but the damage has been done. My husband and I are asking for assistance to please encourage Amwest to do the right thing and consider the context of the late payment and have them deleted from our Credit profile. Please consider the following : 1. The XXXX payment was made on XX/XX/XXXX XXXX. We are finalizing having the entire loan paid off by XX/XX/XXXX from our new lender XXXX XXXX XXXX. XXXX. We have never been late paying past 30 days prior to this situation 4. We communicated with Amwest throughout XXXX regarding my refi status and there was no mention of making a XX/XX/XXXX payment. 5. We did not have a fair investigation or consideration conducted by Amwest when we explained our situation XXXX. We tried requesting that they delete the negative reporting but to no avail. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: WA

Complaint narrative:
I am writing to dispute the reporting of an account with XXXX on my credit file. I had an active treatment agreement with XXXX ; however, during the course of my treatment, XXXX filed for bankruptcy and ceased all dental operations as of XX/XX/XXXX. I was notified of this in a letter dated XX/XX/XXXX, which confirmed that treatment was discontinued due to the companys shut down. Because of this, I was unable to continue treatment through the XXXX platform, which was entirely beyond my control. I understand that Tek-Collect is currently reporting this account as a collection. Since the debt is the result of the companys bankruptcy and not due to any action or inaction on my part, I request that this account be reviewed and either removed from my credit report or updated to reflect not responsible/ closed due to company bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have about XXXX XXXX in my coinbase account but coinbase does not allow me to withdraw funds. It violates my right to funds. In addition, I paid for coinbase one subscription since XX/XX/XXXX. My XXXX was supposed to generate at least XXXX dollars in interest but coinbase is not giving that. It provided a missing marketing as member 's interest in coinbase one service

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I already filed a complaint a couple of days ago as my recent one. I am just adding an information that I missed to include from my recent one. After 3 long years of trying to get the loan modification to get finalized one application after another that has been approved after the case has been reviewed. While I had sent every piece of paper required and loan modification process has started, for whatever reason it will always halt towards the last process of the application and as a result I have to start from the beginning again, which is getting reviewed again to see if the loan modification will be approved. This happened more than 3 times and there was one time when I already started the 3 month trial payment period where I had paid the amount of almost {$3900.00}. The second payment did not happened because the trial ended and I have to start from the beginning once again. {$3900.00} that is a huge amount for a single mother like me that I don't even know if it was even recorded for our house. So now, after 3 long years, Wells Fargo is claiming that it has been 3 years and they can not allow to continue with the loan modification. This is very frustrating since this should have not lasted this long only if Wells Fargo did not send a wrong amount of what was owed back in XXXX to a mortgage assistance here in Texas that I applied for and did qualified since the loan at that time owed was less than $ XXXX and the assistance can be up to XXXX. But since Wells Fargo sent a wrong amount I was automatically denied. This same reason was the first complaint I sent to CFPB back in XXXX. For Wells Fargo to deny me for a loan modification that has been in my opinion should have been done back in XXXX when Texas Mortgage Assistance was already willing to pay the amount that was unpaid for our house due to the Forebearance during XXXX. Now I am facing foreclosure again and a sale date on XX/XX/XXXX that can leave me and my XXXX children homeless due to Wells Fargo 's incompetence of handling the account. It seems like nobody is in communication from the beginning. This is another of Wells Fargo 's known for mishandling cases like mine that end up homeowners to lose their homes.

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
* * Subject : * * CFPB Complaint Lack of Standing, FDCPA Violations, and FCRA Non-Compliance * * Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor/Collector : * * Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : * * XXXX * * Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$450.00} -- - # # DISPUTE I dispute this account in full. -- - # # FAILURE OF VALIDATION ( 1692g ) You have not provided : * Chain of assignment * Signed agreement * Proof of authority -- - # # 5-DAY NOTICE VIOLATION You failed to comply with required notice provisions. -- - # # PRIOR DISPUTE HISTORY AND REINVESTIGATION FAILURE This account was disputed through the CFPB on XX/XX/year>. Following reinvestigation, you verified the account as accurate. However : * No supporting documentation has been produced * No contract has been provided * No assignment has been verified Under the Fair Credit Reporting Act, this constitutes failure to conduct a reasonable investigation. -- - # # LEGAL DEFICIENCY ASSIGNMENT Absent proof of assignment, you lack standing to collect. -- - # # FALSE REPRESENTATION ( 1692e ) Implying enforceability without proof is deceptive. -- - # # UNFAIR PRACTICES ( 1692f ) Collection without documentation is unlawful. -- - # # CEASE AND DESIST All communication must cease immediately. -- - # # IDENTITY THEFT NOTICE No signed agreement exists. This account is considered unauthorized. -- - # # DEMAND * Immediate deletion * Written confirmation * Cease collection -- - Failure to comply will result in escalation. * * Sincerely, * * XXXX XXXX

Company response to consumer: Closed with non-monetary relief