vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 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: NY

Complaint narrative:
I had complained XX/XX/XXXX about XXXX XXXX XXXX. They reported a missed payment to the credit bureau in XXXX, stating we missed a payment in XX/XX/XXXX. This was a busy month for us as my husband left for his XXXX XXXX XXXX orders and I had just submitted XXXX benefits. When Planet Home Lending misapplied a payment in the exact amount of our mortgage payment I assumed we must have already paid in the midst of things or that it was related to the XXXX benefits somehow as I have never used them before. But I was wrong. In XX/XX/XXXX XXXX and I agreed that we would get on a repayment plan, despite their error, to help our account become current. The mortgage payment increased to {$3000.00} due to this plan. The payments were to start at that amount in XX/XX/XXXX. Since starting and paying, they continue to report to the credit bureau of missing payments even though they had already explained to us that it was their error and they would dispute the credit bureau reporting on behalf of us. When I called them about this to question it in XXXX they told me this was actually not true and would continue to be reported which feels misleading to what I was told. I then received a letter XX/XX/XXXX stating they never received the XXXX mortgage ( I was told there is a grace period allowing until the XXXX each month to pay the mortgage ). We did pay it and my bank statement shows the payment date on XX/XX/XXXX in the amount of {$3000.00}. We also paid XX/XX/XXXX {$3000.00}. It doesnt appear they are even applying my payments correctly despite the repayment plan. When I log in to Planet Home lending it shows the wrong amounts and dates, and given their history of misapplication Im quite concerned. Now, its not allowing me to make XXXX payment for delinquency. I am very exhausted with working with this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year>, I attempted to withdraw cash from an ATM while traveling near a cruise port. Shortly afterward, an unauthorized debit transaction in the amount of {$2000.00} posted to my checking account. I did not authorize this transaction and have never conducted business with the merchant involved. 

I immediately reported the transaction to Navy Federal Credit Union and filed a debit card fraud claim. My debit card was canceled and replaced. I explained that my card and PIN were likely compromised through ATM skimming, as the transaction occurred shortly after ATM usage. 

Navy Federal initially acknowledged the fraud claim but later denied it, stating that their information contradicts my claim of unauthorized activity. I requested documentation, verification data, PIN usage determination, merchant information, and any location or device data relied upon in making this determination.

Navy Federal declined to provide substantive evidence, stating that their investigation relied on proprietary systems and that PIN usage alone supported denial of the claim. My appeal has remained unresolved for nearly XXXX month, and no provisional credit was provided during the appeal process. 
I believe this determination does not comply with Regulation E, as the use of a PIN alone does not establish authorization when card and PIN compromise through ATM skimming is a known fraud method.

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 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I was contacted by someone who claimed to be a representative from my bank. They stated there was fraudulent activity on my account and that immediate action was required to protect my funds. I believed I was speaking with my bank. 

I was instructed to move money to an account they provided as part of the fraud prevention process. Under this false representation, I transferred a total of approximately {$4700.00}. I later learned that the individual was not affiliated with my bank and that this was a bank impersonation scam. 

I did not intend to send money to a scammer and would not have authorized these transactions if I had known the truth. The authorization was obtained through deception and social engineering.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Account I.C Systems inc. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account as soon as possible from my report or I will have to take legal action.

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 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXX XXXX bought my debt from XXXX  and is not demanding payment. Constant phone calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
They closed my card out is she meet a new one I explained to the lady there was 6 transcripts that do not made for me and they sent me over to the debut center or I could talk to them about what I can do of getting my money back. I waited on, hold for over 45 minutes. Then, the phone hangs up. It's not good customer service.I know I can't get a hold of nobody.I 've tried several times called back because I don't have my card.They won't let me speak to someone and I want to take care of this cause.I did not make these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: DE

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I opened deposit accounts with Upgrade Bank via invitation since I have a personal loan with the company. I never used the accounts much since my primary bank is XXXX XXXX. I am a XXXX XXXX who is an XXXX XXXX XXXX XXXX XXXX. This means the IRS recognizes my business as legitimate & I have to meet certain standards to have this status. During tax season, I routed a few of my tax prep fees to the Upgrade accounts simply to fund them with the intent on using the accounts in the future. Nothing crazy, less than {$2000.00} to the checking & savings respectively. The account was eventually flagged and suspended pending review. When I realized it around XX/XX/year>, I contacted the bank at the number provided when I login to offer any information to resolve the issue. I understand process & procedure & was fully cooperative. I was told that I can not speak with the fraud department directly. I offered an explanation of the direct deposits & my business info & credentials to substantiate my claim. Since then I have contacted the bank MANY times for an update, Upgrade has sent almost all of the XXXX fees back to the IRS resulting in a loss of income to my business. When the fees go back to the IRS, they forward the funds to the taxpayer & I've only recovered XXXX fee. The others won't return the fees which is the reason I have it routed directly to me in the first place. Almost a year later, there has been no communication & no resolution. I also have a loan with Upgrade Bank that is in perfect standing. From a commonsensical standpoint, I do not understand why they would think I would defraud my own deposit accounts with the same institution that I have other accounts in perfect standing with. I also don't understand why this process would take almost a year to resolve. I currently have a balance of {$9.00} in my savings account & {$490.00} in checking. This is after they've returned my other money. The money also sat there for awhile before they suspended the accounts. If I was being a fraudster, I probably would've snatched it out immediately. Every time I call, I'm told that they're working on it & I can not speak directly to the department that's handling it. At this point, it's my opinion that the timeframe for resolution is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERISAVE MORTGAGE CORPORATION
State: MO

Complaint narrative:
When I was called by Amerisave I was told I was pre-qualified I just needed to speak with a loan representative when I was told online I would receive a quote. That didn't happen that was just to collect my information. Then I was told by loan representative that I just need to answer a few questions to get pre-qualified even though the previous representative said I was already. When I asked if this was a bait and swith tatic the representative clearly read a script. When he could tell I was frustrated he disconnected the call even though I hadn't been rude or mean. And then proceeded to blacklist me from every number with the exception of corporate which I don't think he has power to do. I tried several numbers to call back in to make a complaint and none would connect other than corporate.

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 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
On XX/XX/year>, Contacted TD Bank as financier for XXXX XXXX XXXX when I received a statement for a new account that I did not authorize the opening of. I requested the balance be remediated and the account be closed. 
TD Bank agreed to block the account, and confirmed the account opening date as XX/XX/XXXX, but offered no additional assistance/resolution. 

I then went to the XXXXXXXX XXXX XXXXXXXX store location nearest my house, they contact their headquarters and neither were able to locate any record of the unauthorized account or purchase made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC
State: NY

Complaint narrative:
I entered citizens debt relief company in XXXX. They would take out {$270.00} a month to negotiate with three credit card companies. I got to the point where I couldn't afford to do it anymore so I've been trying to get out of enrollment since XXXXXXXX XXXX XXXX I keep getting oh it takes 30 days to get your money back and this and that and the other thing while it's been a lot longer than 30 days plus they said they negotiated and we're paying off one of my credit cards which they never did I need my money back can't afford keep going without it

Company response to consumer: Untimely response
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: VA

Complaint narrative:
I previously filed CFPB complaint # XXXX on XX/XX/XXXX regarding XXXX XXXX XXXX ' refusal to validate a disputed debt.

On XX/XX/XXXX, XXXX XXXX obtained my replacement credit card number ( without authorization ) and attempted to charge {$46.00} for the same disputed debt. 
Background : I disputed this debt in writing on XX/XX/XXXX and XX/XX/XXXX, requesting validation per FDCPA. XXXX XXXX refused to provide validation. I locked my original credit card to prevent unauthorized charges and obtained a replacement card. 
XXXX XXXX used XXXX XXXXXXXX XXXX " Account XXXX '' service to obtain my new card number and attempted to charge the disputed debt on XX/XX/XXXX. This occurred AFTER my written disputes and AFTER I secured my payment method. 
This violates FDCPA 809 ( b ), which requires debt collectors to cease collection until validation is provided. 
XXXX XXXX is : Continuing collection without providing validation Obtaining updated payment information without authorization Attempting charges on a disputed debt Previous complaint : CFPB # XXXX filed XX/XX/XXXX Attachment : XXXXXXXX XXXXXXXXXXXX decline notification ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC
State: CT

Complaint narrative:
Five lakes law group is legit a scam company. They start you in a program with a set fee for all of your debt after they settle a couple small ones they constantly call you and tell you they need more money to negotiate with any more creditors. They dont tell you they take 27 % upfront of every settlement fee plus they charge a monthly fee on top of that if you look on social media, this company has been scamming people for years. People are not able to pay off their debt. I have already contacted XXXX XXXX XXXX XXXX XXXX on this issue since they were not listed on their list as appropriate vendors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a documented claim from my account with the IRS for a refund with my bank account delay of payment. With the IRS tax refund XXXX X amended tax refund. My payment was sent to the claims department with a notification letter to file a police report with a XXXX affidavit. My account superceded the amount of claim. I have the spruce bank account with the police report FTC report # XXXX. My account has a master policy data breach refund XXXX affidavit identity theft account tax refund. I sent the report with police and investigators from XXXX XXXX  and delay of payment with the IRS. I do not know why my account is in delay of payment collections. But I request a data tax refund rebate case report for delay of payment with my account management.Also a tax refund to my bank account with XXXXXXXX XXXX XXXX  known as XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX denial of a XXXX fraud dispute involving fraud by inducement and coercion. 

On XX/XX/year>, I was pressured in real time to send a XXXX payment under misrepresentation and coercion. I was instructed to mislabel the payment to avoid taxes and was placed under urgency while in an XXXX  XXXX  situation. Although the transfer was initiated from my account, it was not authorized in any meaningful or voluntary way. 

TD Bank denied my claim solely on the basis that I initiated the transfer, without properly considering fraud by inducement or coercion. I formally appealed the decision and requested a manual review, including correlation of transaction timing and circumstances. The appeal was denied again, and I was informed there was no further internal remedy. 

TD Bank has failed to : Properly evaluate fraud by inducement/coercion Provide meaningful appeal review Provide clear policy language justifying denial in cases of coercion I am requesting CFPB review of XXXX XXXX handling of this dispute and its reliance on authorized transaction logic when authorization was obtained through coercion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX ash App locked my account and froze {$98.00} without providing a specific reason or a timeline for resolution. Support states the lock is for my protection because they are doing an investigation, but has not explained what triggered it or when access will be restored. These funds are needed for basic living expenses. I am requesting immediate release of the funds or a written justification and a firm resolution date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
My account was closed by Current Mobile Banking with amount of XXXX XXXX I received email XX/XX/XXXX that my account was being closed and i will recieved a check by mail with remaining funds. Now it is XX/XX/XXXX still nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year>, Truist Bank did a recovery offset of {$5000.00} from the checking account of XXXX XXXX, XXXX for a discharged credit card of the corporation XXXX XXXXXXXX XXXX XXXX. This recovery offset has financially injured XXXX XXXX, XXXX tremendously and has resulted in a negative balance and unwarranted overdraft fees. It is clear that a bank can not use its " right of offset '' to take money from your checking or savings account to cover an overdue credit card bill, thanks to federal laws like the Fair Credit Billing Act ( FCBA ) that protect deposit accounts from card debt. No explicit written permission ( like setting up automatic payments ), or if the bank obtains a court judgment against you, allowing them to garnish funds was given. The FCBA prohibits card issuers from using your deposit funds to satisfy a credit card debt, treating credit cards as separate from your bank accounts for this purpose. Truist was aware of XXXX XXXX financial problems and was in constant communications. There was no reason for the unlawful offset. I need this violation corrected immediately and the funds returned with the account in good standing. Also any funds granted for injury that the CFPB feel is necessary.

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CT

Complaint narrative:
I received a us bank credit card with {$10000.00} credit limit in my maiden name that I didnt XXXX for on XX/XX/year> 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