vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Problem # 1 : 28 Transactions that occurred after closing of the card for card violations. Found on the Balance Statement provided today 28 uses of the card since its closing by someone other than me, the alleged owner of the card. 

Bigger Problem # 2. The Balance Statement lacks potentially dozens of transactions over the course of its ownership and use that I need to give to my Accountant in order to prepare a W-2 and prepare my Income Taxes for the previous years. Thus far, this includes the past-due 2024 taxes and possibly later years. Paychecks to my assistants are nowhere to be found on the statement although I have emails reflecting the payments. 
I believe there are possibly 100+ errors that need accounting for and correcting. Thank you!

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: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for validation of the above-referenced alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This correspondence is not an acknowledgment of liability, nor an admission that I owe the alleged debt.

You are currently reporting this account as paid off while simultaneously reporting it as {$520.00} past due. This is a material inaccuracy and a violation of federal credit reporting requirements.

Accordingly, please provide competent and complete validation, including but not limited to : Proof of the existence and amount of the alleged debt, including a full itemization of : the original balance, all payments applied, and an explanation of how the balance remains past due if the account is reported as paid. 

Proof of your legal authority to collect and report, including : the assignment, service agreement, or other documentation demonstrating that XXXX XXXX XXXX XXXX XXXX XXXX authorized XXXX XXXX XXXX to collect and furnish information on this account. 

A copy of the original contract or agreement bearing my signature or other legally sufficient evidence showing I agreed to the alleged obligation. 

The date of first delinquency, as required for accurate reporting under the Fair Credit Reporting Act. 

Proof that this account is being reported accurately and consistently to all consumer reporting agencies. 

Please be advised that account summaries, internal screenshots, or computer-generated statements do not constitute proper validation under the FDCPA. 

If you are unable to provide the above documentation, you are required to : cease all collection activity, and immediately request deletion of this account from all consumer reporting agencies to which you have furnished information.

Furthermore, continued reporting of inaccurate or unverifiable information after receipt of this notice may constitute violations of : 15 U.S.C. 1692e ( false or misleading representations ), 15 U.S.C. 1692f ( unfair collection practices ), and 15 U.S.C. 1681s-2 ( a ) & ( b ) ( furnishing inaccurate information and failure to correct after notice ). 

All future communication regarding this matter must be in writing only. 

I expect your written response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing this complaint against Westlake Financial Services for a misapplied payment and failure to provide access to customer service. 

On XX/XX/year>, I made an additional payment of {$100.00} specifically intended for a Principal-Only reduction of my {$35000.00} balance. I contacted Westlake by phone to confirm this allocation. Despite my instructions, Westlake has applied this {$100.00} entirely toward " Interest '' ( as seen in my transaction history, Confirmation # XXXX ) or held it as a pre-payment for my XX/XX/year> installment. 

This is a direct financial loss as my daily interest accrual is approximately {$13.00}, and by failing to reduce the principal balance on the XXXX, Westlake is overcharging me interest daily. 

I have attempted to resolve this through Westlake 's automated phone system on XX/XX/year>, but the system refused to transfer me to a live agent or supervisor, effectively blocking my ability to correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I settled a debt on a Chase bank card through XXXX XXXX XXXX. This debt is sold to a new company every XXXX  months which reaches out to every member of our family to let me know they are serving me papers on this matter. I have a paid in full letter, but the debt is sold to another company every time I send the letter to current collector.

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

Complaint narrative:
On XX/XX/XXXX, I received a letter from US Bank asking me if I opened a checking account On XX/XX/XXXX. I do not bank with US bank. At the time this occurred, there was an open fraud investigation in regards to someone opening a savings account with US Bank. How could someone open up another account with a fraud investigation already happening with a different account, as well as a fraud alert on my information and credit? This is a huge oversight for US Bank. Someone is using my name, address, and social. I have called US Bank to see what protection the can provide me and my information, so this doesn't happen again. They told me to put a fraud alert on my information with the credit bureaus, which I had already done at the time. They are incompetent.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NH

Complaint narrative:
Made several attempts to contact Mohela XX/XX/year> was first told that loan had to be processed and to wait. Called again in XX/XX/year> and was transferred to escalation department and was told that the Dept of Education would be issuing the refund. Called again today XXXX XXXX, again transferred to escalation department stayed on hold for XXXX hours with no answer.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I am submitting this statement to document the ongoing servicing issues I have experienced with Fay Servicing across multiple properties currently in foreclosure status. 

After falling XXXX days behind, Fay Servicing locked me out of their online payment portal, preventing me from making partial payments or maintaining any form of repayment plan. Instead of working with me, they immediately began adding excessive and questionable fees, along with default interest charges approaching 30 %. They have consistently insisted that the only way to reinstate each loan is by paying the full reinstatement amount in XXXX lump suman unrealistic demand given the number of properties involved. 

Throughout this period, Fay Servicing repeatedly failed to communicate in a timely manner. There were multiple instances where they would not respond for weeks at a time. Their lack of communication caused additional interest, penalties, and fees to accumulatedramatically increasing the reinstatement totals and worsening the delinquency. This pattern has continued for approximately XXXX months and has now escalated to foreclosure sale threats. 

XXXX clear example of their mishandling involves my property at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. In early XXXX, the property was scheduled to settle, but I was told I needed to bring approximately {$14000.00} in junk fees and add-ons to closing. Despite multiple attempts, Fay Servicing did not respond to me for weeks. Only recently did they agree to waive the {$14000.00} ; however, due to their delays, an additional {$4000.00} was added to the reinstatement amount, which they now require me to bring to closing today. 

This situation illustrates what appears to be a pattern of predatory servicing tacticsdelayed communication, unnecessary barriers to repayment, excessive fees, and refusal to offer reasonable workout optionsactions that seem structured to push borrowers into foreclosure rather than help them cure defaults. 

I believe these practices are unfair, harmful, and potentially violate servicing standards. I am requesting immediate review, reinstatement relief, fee reversals, and an investigation into Fay Servicings handling of these loans.

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: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a payment for {$400.00} through my XXXX XXXX bank account. AMEX is claiming that the XXXX XXXX declined the payment. I was on the phone with AMEX and XXXX XXXX. XXXX XXXX said they did not know why the payment was declined ; they refused to give a reason. The guy from AMEX was on the line as well. The guy from XXXX XXXX 's said that I had enough money in my account when I made that payment. Despite XXXX XXXX 's basically taking responsibility, saying there was a glitch, AMEX is refusing to help and is claiming there is nothing they can do. All three customer service representatives I spoke to today we condescending and refused to help or even attempt to make anything right. When asking to speak to their manager, each one refused until I pushed them.

Company response to consumer: Closed with explanation
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 — Application denials
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX. CITIBANK, XXXX XXXX XXXX, Home equity line of credit, XX/XX/XXXX $ XXXX No direct line to this CITIBANK Address does not match, XXXX. CITIBANK XX/XX/XXXX Mortgage {$61000.00}, No direct line to CITIBANK- Can not be reached by phone XXXX CITIXXXX/CITIBANK XXXX= DISCHARGE OF MORTGAGE XX/XX/XXXX We can not reach anyone in regard to this Second Mortgage on our Property. 
We have not received any statement/invoices for payment and or nonpayment for 10 years. 
We recently applied for an equity loan and the bank said we have an outstanding loan that needs to be addressed. We would have not known of this. 
Our Title is flawed since we do not know who would get paid if we were to sell our house. 

Thank you

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 non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: CO

Complaint narrative:
My twin sons were born in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  XXXX and each required a six-week stay in the XXXX. We met our out-of-pocket maximum for the XXXX plan year, so I was very surprised to receive an additional bill in XXXX for {$650.00} related to XXXX XXXX  stay. 

After contacting the hospital to investigate, I was informed that several of XXXX claims were not submitted to our secondary insurance carrier ( United ) within the timely filing limits. The hospital attempted to appeal the resulting denials, but those appeals were unsuccessful. At no point was I notified that these claims had not been filed timely or that appeals were in process. By the time I received the bill, my own window to appeal had already expired. 

Because this balance resulted solely from the hospitals failure to submit claims properly, I requested that the full {$650.00} be written off. I was told I would receive a phone call once a decision was made. I never received that call. Instead, in XX/XX/XXXX, I received a bill from XXXX reflecting that only half of the balance had been written off and that they were still attempting to collect the remaining {$320.00}. I again requested that the hospital review my case and write off the balance in full. 

In XX/XX/XXXX, I received a letter stating that the {$320.00} balance had been sent to collections. I contacted the hospital yet again and requested that the account be recalled from collections and reviewed for a full write-off. I was unable to obtain any timeline for this review but was once more assured that I would receive a phone call once a decision was reached. I never received that call. The next correspondence I received was a letter from Revco Solutions in XX/XX/XXXX stating that the same {$320.00} balance had been sent to collections again. I was not contacted beforehand and was not given an opportunity to resolve the balance directly. 

I spoke with a manager at XXXX, who stated that he would escalate my case to senior leadership but that he personally could not take further action. 

I work in medical billing, and I would never consider billing a patient for charges resulting from internal administrative errors. We met our out-of-pocket maximum, and it was not my responsibility to submit claims to insurance or ensure timely filing. This balance exists solely due to the providers failure to properly bill insurance, and I do not believe it is appropriate or permissible to hold me financially responsible for those errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ data XXXX, I am writing to formally complain about my recent interaction with XXXX of your representatives, XXXX XXXX, extension XXXX. 
During our conversation, XXXX XXXX was extremely impatient, spoke very quickly, and was not comprehensive when explaining information. When I asked for his name or employee ID, he refused to provide it and instead gave me only his nickname, XXXX, which I found unprofessional and concerning. 
Additionally, I requested to be transferred to another representative so that I could proceed with paying off my debt, as I did not feel comfortable continuing the transaction with him. He repeatedly refused to transfer me and continued to say no, which I felt was very disrespectful. My intention was to resolve my account, not to avoid payment. 
This experience made me uncomfortable and frustrated, and it does not reflect appropriate customer service standards. I respectfully request that this matter be reviewed and that I be contacted by another representative to resolve my account. 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXX

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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: 4M Collections, LLC
State: WA

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, WA XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX Re : Request for Debt ValidationAmount Claimed : {$600.00} To Whom It May Concern, I am writing in response to your claim that I owe a debt to SOLVERITY. I dispute this debt in its entirety and request full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
This letter serves as a formal request for verification of the alleged debt. Please provide the following documentation : XXXX. The amount of the debt, including an itemized breakdown of all charges, interest, and fees XXXX. The name and address of the original creditor XXXX. A copy of the original signed contract or agreement bearing my signature XXXX. Proof that XXXX XXXX XXXX has legal standing and authority to collect this debt XXXX. Documentation showing that the debt has not exceeded the statute of limitations XXXX. A complete chain of title showing all assignments or transfers of the debt Until you provide the above validation, you must cease all collection activity, including reporting or continuing to report this account to any credit reporting agency. Reporting unverifiable or inaccurate information violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If you can not provide proper validation, you must remove this account from my credit reports and cease further communication regarding this matter. 
Please note that I am keeping detailed records of all correspondence. Failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Washington State Attorney General, and other appropriate regulatory agencies. 
This letter is not a refusal to pay, but a request for proof that this debt is legally valid and collectible. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: HI

Complaint narrative:
Jefferson Capital Systems, I am writing to formally dispute the collection account you are reporting for a XXXX account listed under Account No. XXXX, with a balance of {$1400.00}. 
I do not recall having an active XXXX account during the time this debt was allegedly incurred. To my understanding, this account appears to have remained open and continued to accrue charges despite the fact that I had not possessed or used the phone for several years. The original phone purchase occurred a long time ago and involved an ex-boyfriend, and I no longer had access to or control over the device or the account, aside from my name being associated with it. 
I previously contacted your company seeking assistance with this matter, but was only offered the option to pay the full balance. I dispute responsibility for these charges, as I did not authorize continued service, nor did I benefit from the account remaining active. 
Given these circumstances, I am requesting that this debt be formally investigated and removed from my credit report, as it is inaccurate and unfairly affecting my credit standing. Please provide validation of this debt, including documentation showing my authorization for the charges and proof that the account was properly maintained and billed. 
Until this matter is resolved, I request that this account not be reported or that it be removed from all credit reporting agencies. 
Thank you for your prompt attention to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — FHA 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: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All refuse to show me government issued ID and I heard them collecting PII and reviewing PII repeatedly ( including mine ) and servicing loans. 

They must be imposters because they know nothing about their positions and the responsibility to report unlawful adjusters on the property for which the lien his held against. 

They sold a vehicle filled with XXXX, XXXX and government equipment and the VIN will not transfer and I told them all this both in person and over the phone. 

The owner continues to refer me to XXXX XXXX who also dismissed all of my reports to her about the XXXX in the facility and all of the RED FLAGS I reported to her repeatedly. 

Their response is on XXXX and my phone number is now blocked from calling and I am unable to log into my own account. 

XXXX " XXXX '' is my witness for everything and she is a nice older lady who gave me my account number because the rest of the staff use only social security numbers to add cash deposits to accounts. I witnessed it.

Company response to consumer: Closed with explanation