vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX XXXX I checked my online banking to find that I had 2 charges from XXXX XXXX for {$250.00} and {$250.00} totaling {$500.00} which I did not make. I drove to my local branch of Truist Bank in XXXX, Florida and talk to XXXX XXXX the manager XXXX, and explained my debit card was hacked. He cancelled my debit card. And he told me there was nothing he could do for me because the charges were pending. It's now been 4 full days and the charges are still pending on my account and has been deducted from my balance. I tried reaching out to XXXX XXXX and follow the information on there website and enter a fraud dispute. they do not show a phone number on the website. There must be something Truist Bank can do for me. How long i'm I going to have to wait to clear this off my account? I'm a senior citizen and on a fixed income, this is creating a heart ship for me. I have outstanding checks that are going to bounce because for the issue.

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 2026-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
After being fully and 100 % at fault after admitting to fault after having recorded conversations on their telephone lines knowing that they are fault they have repeatedly lied with their responses to the cfpb and fabricated total and ridiculous stories consisting of nothing but lies and propaganda to discredit my claims this is inappropriate and this is not okay as they are the ones 100 % completely responsible for making myself become closed and all of my emails and phone numbers and active after I have followed every single instruction that they've handed to me now I'm out several thousand dollars that is unable to be recovered because of what they have done this is unacceptable because this is not an investigated in any way on the cfpb has done nothing except take their word for it and totally disregard the facts of the situation and this is not okay if anything that's yet XXXX  needs to take a good hard look at itself and readjust their point of view to not consider a bunch of lies and propaganda propagated by Ally Bank I expect legal recourse at the XXXX does not act now

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 2026-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding improper and unauthorized servicing of my VA-guaranteed mortgage loan. 

My original principal balance was approximately {$200000.00}. I was placed into multiple forbearance agreements by my mortgage servicer. After the first forbearance, the servicer added approximately XXXX year of missed payments to my principal balance, increasing it to roughly {$220000.00}. After a second forbearance, the servicer again capitalized an additional 25 months of nonpayment into the principal, inflating the loan balance to approximately {$260000.00}. 

I did not sign or authorize any loan modification that permitted repeated capitalization of forbearance payments into the principal balance. I also did not agree to interest being charged on deferred or suspended payments. This appears to be a violation of VA loan servicing guidelines and federal mortgage servicing rules, which generally require the use of payment deferral or partial claim options rather than compounding principal through repeated capitalization. 

Despite contacting both the servicer and the Department of Veterans Affairs, this issue has not been corrected. The VA has not provided meaningful assistance, and the servicer has failed to adequately explain or justify the balance increases. 

I am requesting that the CFPB investigate this matter and require the servicer to : 1. Provide a full and accurate payment history.

2. Identify each instance where the principal balance was increased and the legal basis for doing so.

3. Produce copies of any signed loan modification agreements authorizing these changes.

4. Correct the loan balance to reflect the lawful amount owed under VA guidelines.

This servicing error has caused significant financial harm and uncertainty regarding my VA home loan.

Mortgage company is phh mortgage account number : XXXX Lastly phh mortgage blocked my number for two months and I could not access my online account and was limited.

Thank you for your assistance. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AR Resources, Inc.
State: TX

Complaint narrative:
AR Resources Inc Original Creditor : XXXX XXXXAccount Number : XXXX Balance Reported : {$1100.00} There is no verified evidence showing I entered into a contract with the original creditor or that AR Resources Inc has lawful authority to collect or report this account.The reporting of this account lacks proper verification as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Re : Complaint American Express Dispute Reference : XXXX. XXXX American Express knowingly ( and as a course of policy ) allows cardholders to be victimized by unscrupulous fraudsters. American Express fails in their responsibility to protect their cardholders. Further American Express directly enables and protects the fraudster merchant. Both are unjustly enriched by this behavior. 

Background : - Amex client of 25years was defrauded by a XXXX  travel Scam. 
- As part of the scam they lied to victims and buried in fine print the clause no refunds. 
o This clause directly violates governing Federal law - The law allows no exceptions to the consumer protection requirement of a 72 hour right of recension. 
o Sadly American Express DOES allow an exception to the law for the fraudsters. 
- If it is a RIGHT, how is it American Express so flippantly dismisses it? 
- American Express contends : they are not the court so its ok to enforce blatantly abusive and illegal merchant agreements. But where is the line? Can a merchant hide in the small print : We can triple the price without telling you and charge your Amex with no additional notice Would Amex also enforce this clause of a merchant agreement with cardholder? 
Would the rule a dispute IN FAVOR OF THE MERCHANT Amex contends they have no fiduciary responsibility to their cardholders. We disagree. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
A checking account associated with U.S. Bank appears on my consumer report with a closure date of XX/XX/year> and an unpaid balance of approximately {$1100.00}. I did not open, authorize, access, or benefit from this account at any time. 
The address associated with the account is not an address I have ever lived at or been affiliated with, which indicates the account was opened and used by an unknown third party without my knowledge or consent. I became aware of the account only after it appeared on my consumer report as unpaid. 
I contacted U.S. Bank to report that the account was not mine and that it was the result of identity theft and requested that the account be investigated and removed. Despite this, the account continues to be reported inaccurately and remains associated with my identity. 
This ongoing inaccurate reporting has caused harm by restricting my ability to access normal banking services. I am requesting that U.S. Bank conduct a full identity theft investigation and correct or remove all inaccurate information related to this account from consumer reporting systems.

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 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The companys response is inadequate and fails to resolve the issues raised in my complaint. 

I did not request that any information be mailed to me. All communication and documentation related to this complaint must be uploaded directly through the CFPB portal. Directing me to off platform communication or mailing documents does not satisfy the obligation to substantiate reporting already being furnished to consumer reporting agencies.

I also did not sign any contract, authorization, or agreement granting Procollect permission to collect, store, or disseminate my personal information, nor did I authorize Procollect to report information regarding this alleged account to consumer reporting agencies.

Simply stating that Procollect received an account from XXXX XXXX XXXX  does not establish a valid debt. The burden of proof remains with Procollect. I am not required to prove the debt invalid. 

XXXX has failed to provide through CFPB A signed lease or agreement authorizing the charges Proof that the balance is accurate and legally owed Proof of lawful transfer or assignment of the alleged debt Proof that the unit met habitability standards Proof that the account was eligible for collection after property management stated it would not be charged or pursued Mailing documents outside of CFPB does not cure inaccurate or misleading credit reporting. 

This alleged debt arose from an uninhabitable apartment with unresolved mold conditions. Management expressly stated that if I vacated prior to the court date, the account would not be charged or sent to collections. I complied. No judgment was entered and no lawful final balance was established.

By continuing to report this account without providing validation through CFPB and while ignoring material facts, Procollect is violating the Fair Credit Reporting Act including 15 U.S.C. 1681e ( b ) maximum possible accuracy 15 U.S.C. 1681s 2 duty to report accurate information

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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
Called last month because card stopped working. It was because it was due. Online shows XXXX due. There is a very small comment about it not being accurate and something about a central account that I checked and the card was not there. Created a new account and it showed the card past due. Asked the rep if my 0 % is over since it was late, told NO. Got charged interest a month later. Nothing in the mail or email informing me that this would happen.

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
ABLTY RECVRYis falsely reporting on my credit. I have never had any accounts with them. Per my research ABLTY RECVRY 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 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 2026-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I deposited a cashiers check from my XXXX XXXX XXXX XXXX into my Bank of America account. Bank of America put a 5 day hold on the cashiers check. It is a cashiers check, coming from my other bank account that is a federal credit union. There is no reason for there to be a 5 day hold on this check. When I deposited with the teller, she told me it would be available by the next morning at XXXX, when then didnt happen I waited 49 minutes on hold to find out about the 5 day hold and I got all different mixed reasons that none explained. It cant bounce, that was a reason, its a cashiers check, its from my own account I know its not going to bounce it was signed by a bank official. It is guaranteed funds. There is no reason to keep this check on hold so long. They absolutely refuse to budge and just will not release it until XX/XX/year>, which is truly more than 5 days. This was all of my money. I have to take XXXX to get back and forth from work, now Im going to lose my job because I cant get there for over 5 days. They are costing me a very good job. Im a XXXX. So, if they want to keep this cashiers check that is guaranteed funds on hold for 5 days with no apparent good reason and cost me a job that pays $ XXXX, I think they should now have to compensate me for {$120000.00}, because not only are they costing me a job but they are ruining my reputation. I have to immediately quit a job I love because I cant get there because my bank is holding a check of guaranteed funds hostage for no reason. So, thats the only compensation I will take out of this situation, I am furious.

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 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
On XX/XX/year>, Mercedes-Benz Financial denied my auto financing application, citing vague reasons from my Experian credit report : " length of time open, '' " length of time accounts in file, '' " Too many accounts with balances, '' " Time since most recent account opening is too short, '' and " Proportion of balances to credit limits is too high on bank revolving or other revolving accounts. This notice is incomplete and insufficient under federal law. A representative verbally told me the denial was due to it being " too much car, '' which is unclear and unrelated to my credit report please clarify. For the record, I did not receive this notice on the XXXX. 

My XXXX  score was high ( 800+ per recent pulls ), and I have a previously paid-off loan over {$70000.00} more than requested making this denial unwarranted. 

Pursuant to FCRA 15 U.S.C. 1681m ( a ) ( adverse action based on CRA report ) and ECOA 15 U.S.C. 1691 ( d ) ( credit denial specifics ), you must provide within 30 days : 1. Key factor scores/bands : Numerical credit scores ( XXXX ) used, top 4 factors affecting score, date report obtained, CRA name/address ( XXXX  confirmed ). 
2. Detailed reasons : Full explanation for each cited reason ( e.g., which accounts/balances/etc.? ), plus clarification on " too much car '' statement.

3. All reports used : Copies of complete Transunion ( and any other CRA ) reports relied upon. 
4. Source/contact info : Names/addresses for disputing info with furnishers/CRAs.

Failure to comply may trigger CFPB complaint, lawsuit under FCRA 1681n/o ( willful/negligent : statutory $ 1,000+ damages/fees ), and ECOA claims. Respond in writing only to above address within 15 business days.

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX [ Email Address optional ] XX/XX/2026 MIDLAND CREDIT MANAGEMENT MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Re : Account Number : XXXX To Whom It XXXX Concern : This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act, specifically XXXX XXXX. XXXX ( c ). 
You are hereby directed to cease and desist from any and all communication with me regarding the above-referenced debt. This includes, but is not limited to, communication by telephone, mail, email, text message, or through third parties. 
Under federal law, once you receive this notice, you XXXX communicate with me only for XXXX of the following reasons : To advise that further communication efforts are being terminated ; To notify me that you XXXX invoke specified legal remedies ; or To notify me that you intend to invoke a specified legal remedy. 
Any communication beyond what is permitted by XXXX XXXX. XXXX will be documented and XXXX constitute a violation of federal law, subjecting you to civil liability. 
This letter is not a refusal to pay, nor is it an acknowledgment or validation of the alleged debt. It is a request that you comply fully with federal law. 
Govern yourself accordingly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Albert Corporation
State: CO

Complaint narrative:
Albert Checking -- Today, XX/XX/XXXX, when logging into the app this morning, there was a notice of " New Terms '' that I had to accept to continue through to see my account. 

Once I got to my account, I was given a notice that my account had been closed, that my account is being migrated to XXXX Bank, and that as a result, my account number and routing number have changed. Also, my debit card will no longer work, and that a new one has been mailed to me, upon my acceptance of the new terms. 

This is the account I have 90 % of my paycheck direct deposited into. I immediately went to my payroll department, and changed my direct deposit information. 

Because of these " New Terms '' I will go without a paycheck, until the direct deposit is fully setup with my company. I am told 1-2 pay periods. 

Albert did not give any notice that this change would be happening, nor did Albert give me enough time to make alternate arrangements for my paycheck during this period. 

I reached out to their support, who was less than helpful. They have not given me the information I have asked for. I have emails and screenshots of the events throughout today.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: Coinbase, Inc.
State: ME

Complaint narrative:
I am filing a complaint against XXXX XXXX Bank ( issuer ) and Coinbase ( servicer ) for failing to process merchant refunds and violating dispute resolution procedures under XXXX XXXX. 

The Issue : I returned items to XXXX merchants ( XXXX and XXXX ) in XX/XX/year>. Both merchants confirmed in writing that they processed refunds to my card ( XXXX ending in XXXX ). 

XXXX XXXX : {$1200.00} ( Processed approx. XX/XX/XXXX ) XXXX Refund : {$1500.00} ( Processed approx. XX/XX/XXXX ) Despite this evidence, the issuer ( XXXX XXXX XXXX XXXX has XXXX to post these credits to my account. Instead, they treated the balance as " due '' and auto-debited my external checking account on [ Date of Checking Withdrawal ] for the full amount. 

Procedural Violations ( XXXX XXXX ) : Failure to credit account : The issuer has not posted valid credits sent by the merchant to the XXXX XXXX ( Card # ending XXXX ). 

XXXX XXXX : I opened a dispute on XX/XX/XXXX. The issuer requested documents, then closed the case XXXX hours later ( XX/XX/XXXX ) before I could respond. This violates the reasonable investigation requirements of XXXX XXXX XXXX. 

Harm : The issuer wrongfully withdrew roughly {$3600.00} from my checking account to pay a balance that should have been offset by these refunds.

Company response to consumer: Closed with explanation