vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally demand the immediate release of a check hold placed on my account, and to file a complaint regarding the deeply disappointing customer service experience I endured on the morning of Monday, XXXX XXXX, 2025. THE HOLD UNJUSTIFIED AND UNREASONABLE On Sunday, XXXX XXXX, 2025, I deposited an {$8600.00} cashiers check certified funds drawn on XXXX XXXX XXXX via ATM, as both XXXX XXXX and Bank of America branches were closed. Despite the fact that a cashiers check represents guaranteed, certified funds with no risk of non-payment, Bank of America placed the maximum allowable hold of 10 days on this deposit. This is unacceptable. I have been a loyal Bank of America customer since 2009 over 15 years with accounts consistently maintained in good standing. I am also a former Bank of America XXXX XXXX and understand hold policies well. A 10-day maximum hold on certified funds from a reputable institution like XXXX XXXX XXXX applied to a long-tenured customer with a spotless account history, is not only unnecessary it is the exact type of decision that erodes customer trust and loyalty. I am formally requesting the hold on this deposit be released immediately. THE SERVICE EXPERIENCE UNACCEPTABLE What compounded my frustration significantly was the nearly two hours I spent on XXXX morning, XX/XX/XXXX, speaking with four different Bank of America teammates in an attempt to resolve this matter. Not one of them was able or willing to provide meaningful assistance. Instead of exercising judgment, showing empathy, or attempting to find a solution, each representative defaulted to the same robotic script : blaming the system and reciting disclosures from the Personal Schedule of Fees and Deposit Agreement, as if the intended message was too bad you signed a contract. That is not customer service. That is a deflection. I did not spend two hours on the phone to be read a disclosure document I already know exists. I reached out because I am a valued, long-standing customer who deserved a genuine effort to resolve a clear issue. I am formally requesting that the teammates involved in my interactions on XX/XX/XXXX receive appropriate coaching and retraining on how to deliver an optimal client experience one that reflects the standard Bank of America claims to uphold.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
Validation of Debt Request - IQ DATA INTERNATIONAL/FULTON APTS CA - IQD * * * * * * * * * * * * * * * * * * * I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I entered into a Retail Installment Credit Sale Contract for XXXX XXXX XXXX services at XXXX XXXX XXXX XXXX ( XXXX location ). The cash price of services under the contract was {$3700.00}, with financing processed through Healthcare Finance Direct, LLC ( HFD ). The treatment plan consists of six total sessions over a one-year period ( one session every XXXX months ). I have completed only one session. After the contract was executed, the XXXX location was sold and rebranded as XXXX XXXX. Following the ownership transition, weekend operating hours were eliminated. XXXX appointment availability was a material factor in my decision to enter into the agreement, as I am a full-time working professional and a veteran with fixed VA-related XXXX obligations that can not be rescheduled. The elimination of weekend hours has materially reduced service accessibility and prevents reasonable use of the remaining XXXX sessions. On XX/XX/XXXX, I sent a written request to the provider requesting a pro-rated adjustment reflecting the five unused sessions ( approximately {$3100.00} based on the contract price divided by six sessions ). I also requested corresponding adjustment of the financed balance through HFD. No written response was received within fourteen ( 14 ) days. The contract includes the required FTC Holder Rule provision stating that any holder of the consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller. I am formally disputing the account and requesting : Recognition of the dispute ; Suspension of collection activity pending investigation ; Adjustment of the financed balance to reflect the five unused sessions. This dispute is based on material reduction in service accessibility after contract execution and failure to respond to a written request for pro-rated adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM/COMENITY BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing this complaint because Cash App ( Block, Inc. ) has failed to provide a legally required Statement of Reasons for Adverse Action after closing XXXX of my accounts. On XX/XX/year>, the company provided a transaction history but refused to identify the specific policy or Terms of Service violation that triggered the closures. I formally requested this documentation again, but on XX/XX/year>, Cash App Support ( XXXX ) stated they were " resolving '' my complaint without providing the requested paperwork or any specific justification. By refusing to disclose the reason for account termination, Cash App is in violation of the Equal Credit Opportunity Act ( ECOA ) regarding Adverse Action Notices. Their lack of transparency and refusal to provide the specific " paperwork '' or evidence of an alleged violation suggests arbitrary and potentially discriminatory " de-banking '' practices. I am requesting that the CFPB compel Cash App to provide the specific internal documentation and the exact section of the Terms of Service I allegedly breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding Selene Finances handling of my mortgage account and foreclosure proceedings. A sheriffs sale is currently scheduled for XX/XX/year>. Selene Finance repeatedly sent critical mortgage and foreclosure-related correspondence, including my official loan modification denial letter, to an outdated address associated with a family member. I made multiple verbal and written requests to correct my mailing address to the property address where I reside, but the address was not corrected. I also requested reasonable accommodations due to documented XXXX, including communication by email and correction of my mailing address. These requests were not implemented. Important notices continued to be sent to the wrong address, impacting my ability to respond in a timely manner. I submitted all requested documentation for a loan modification review as instructed. Despite compliance, my modification was denied and foreclosure proceedings continued. I am concerned that proper loss mitigation procedures were not followed and that I was not provided a fair and meaningful opportunity to participate due to the repeated address errors. The property was originally in my late fathers name, and there have been probate/title complications. I am concerned that the servicer did not appropriately address these issues in the review process. Because of the repeated failure to correct my address and honor accommodation requests, I believe I was deprived of proper notice and a fair opportunity to protect my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
A credit card account by XXXX XXXX XXXX was reported amount approximately {$900.00}. It is now in collections with LVNV Funding. XXXX. I have never authorized an account with XXXX XXXX XXXX. When the account was opened, I was XXXX on XXXX XXXX with the XXXX XXXX XXXX. I never used a XXXX XXXX XXXX for any purchases nor did I authorize of any XXXX. I am just now learning about this account when it populated on my credit report being in collections XXXX. I have disputed this on all Credit Bureaus showing it in collections, as well as sending a email to LVNV to dispute it as well and requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
On XX/XX/year>, XX/XX/XXXX froze my account citing " suspicious activity. '' This immediately locked all access to my available balance of approximately {$640.00}, preventing me from using the funds for essential expenses. Since the freeze, it has been 3 full days with no resolution. I contacted XX/XX/XXXX support multiple times via the app and phone calls, requesting an explanation, details on the suspicious activity, required verification steps, and a timeline for release. They provided no specific reason beyond the generic label, no evidence, and no clear path forwardonly automated replies promising review " within 3-5 business days '' in some cases. This has caused direct financial hardship : I can not buy groceries, put gas in my car, or cover other basics, including driving my child to school reliably. I have no alternative access to these funds despite attempting all recommended troubleshooting. I request : ( 1 ) immediate release of my full balance, ( 2 ) a detailed written explanation of the freeze reason and policy applied, and ( 3 ) confirmation this will not impact my linked bank or credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to Chase bank ( XXXX XXXX XXXX, Tx. XXXX ) at approximately XXXX Friday XX/XX/2026 and made a cash deposit of {$4000.00}. Atell name XXXX XXXX assisted me. She wrote the bank deposit slip and wrote the last number wrong. She state she couldnt find my account and showed me the account number she had written down. I told her the last number is supposed to to be a XXXX not a XXXX. She was able to locate the account and made the deposit. Before leaving the premises I check my online account and the {$4000.00} was credited. The next morning Saturday XX/XX/2026 I I got an alert that I was overdrawn. I login to my chase account and saw the deposit was missing. I called Chase and spoke with a representative and was told there was no deposit made onto the account. I drove over to the bank and the branch manager XXXX XXXX assisted me. She was able to locate my deposit receipt. She said she would get it corrected and give me a call shortly.I asked her if I can get a copy of the bank deposit receipt. She declined and state you dont need it because I found it and Im going to get the money credited back to your account. She called me at approximately about XXXX XXXX and stated she has to submit an escalation to get money credited. Im not sure what type of procedure this is to get money credited back to my account if deposit was locate. She couldnt give me a timeframe of when Chase would credit my {$4000.00} back to me. She just stated that she working on to get it resolved. Before I left Chase bank she state she was going to get it immediately rectified and give me a call. She falsely misrepresented Chase bank by reassuring me this before I left the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I purchased 6 orders of XXXX cards from XXXX ( via XXXX ). All 6 orders got cancelled by XXXX ( not myself ) The first 4 cancellations resulted in 4 refunds The next 2 said they would but that they banned my account It stated refund in " 5-7 days '' It has been now 1 year and no refund and they refuse to refund The 2 totals are {$780.00} and {$250.00} from XX/XX/XXXX. I was under the impression I was refunded until I started my XXXX accounting in early XXXX. I since have tried to resolve with my credit card ( capital one ) and the merchant ( XXXX ) who are both unable to help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Validation of Debt Request - HARRIS/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
Credit Management Company, XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX constantly calls me Monday through Friday with a recorded message from XXXX XXXX. I do not have a contract with them. This has been going on for several months now. I am paying all my bills and repairing my credit. Credit Management Company is ruining my credit rating. Since they interferred my credit score has gone from XXXX to XXXX. Please help me in this matter? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I made a payment of {$320.00} US dollars debit card transaction which was instantly taken from my account. The next day the same exact amount was taken and which lead my account to go into negative. I asked credit acceptance and they said they have no idea what I was talking about and I was absolutely wrong 4 different people, XXXX, XXXX or something similar to that name she was a supervisor and she told me she have not received my payment even the the portal says I paid. XXXX extension XXXX also told me I was wrong I did not kno what I was talking about and I have to just wait until the end of the week for my funds. I was lied to multiple times even tho Im a paying concerned customer. This incident has caused me to miss days of work due to my account in the negative and I cant even receive my payments because my account is in the negative.

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 2026-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: KY

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, I received a delinquency notice from my county of residence stating that my XXXX property taxes were not paid. I called my mortgage company, Planet Home Lending, on XX/XX/XXXX and their tax department started to process the payment. Planet Home Lending then completed an escrow analysis. I received a copy of this analysis on XX/XX/XXXX. This analysis stated that I will have a shortage of {$2800.00} in XX/XX/XXXX ( when my property taxes are due ). I called Planet Home Lending on XX/XX/XXXX to discuss their error. Planet Home Lending advised me that there was no error and that I am responsible for the projected shortage. I explained that the projected shortage is because my escrow account would be charged for my property taxes ( {$3100.00} ) twice in a 12 month period ( XX/XX/XXXX and XX/XX/XXXX ) and was told that I am incorrect. On the escrow analysis I received on XX/XX/XXXX, the only difference between the expected amounts due and the actual amounts due is an increase in my property taxes of {$53.00} ( expected : {$3000.00}, actual : {$3100.00} ). I pointed this out to Planet Home Lending and asked them to explain how a difference of {$53.00} equates to a shortage of {$2800.00} in my escrow account, to which they had no answer. I asked Planet Home Lending to cover the projected shortage ( as it was caused by them not paying my property taxes in XX/XX/XXXX ) and was told that that was not something they could/would do. Planet Home Lending also advised me that " there probably would've been a shortage anyways, just not as large '', as if this justified their error.

Company response to consumer: Closed with explanation