vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Supplemental Evidence : Bank Non-Compliance and Failure to Deliver Reissued Funds Related Case Number : XXXX I am providing immediate supplemental evidence to demonstrate that the banks internal resolution process has failed, and my funds are still being withheld. On XX/XX/XXXX, the bank approved the reissue of my standard account balance check ( following a corporate error where the bank originally mailed my XX/XX/XXXX account-closure funds to the wrong address ). The bank 's internal logs scheduled the funds to be sent out on XX/XX/XXXX. A XXXX Next Day Air Saver tracking number was finally generated on Friday, XX/XX/XXXX. However, as of today, Tuesday, XX/XX/XXXX, the official XXXX tracking status remains stuck on " Shipper created a label, XXXX has not received the package yet. '' Key Violations & Facts : XXXXWithholding of Funds : A " Label Created '' status is not proof of delivery. It only proves the bank printed a piece of paper. The bank is still in physical possession of my money. XXXXFailure of Premium Delivery : The bank opted to use an overnight service ( Next Day Air Saver ). Over XXXX calendar days have passed since the label was printed, proving the banks secure mailroom has failed to hand the physical asset over to the courier. XXXXCompounded Consumer Harm : My account has been closed since XX/XX/XXXX. Due entirely to a sequence of bank data-entry errors, returned mail mismanagement, and back-office logistical delays, I have been denied access to my liquid capital for nearly XXXX months. XXXX confirmed they do not have a physical package and only a label has been created. Ive attached the emails from my XXXX XXXX XXXX account showing the label being created and stuck with a time stamp as of today XX/XX/XXXX XXXX where the tracking is stuck from XXXX days ago ( XXXX business days ) with the next day air saver shipping service. Shouldve arrived yesterday as originally scheduled had Bank of America remained complaint. Ive been working with XXXX XXXX of the regulatory department however she hasnt been much help, perhaps shes the reason they finally released MY funds however its still in THEIR possession as of today.

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: DE

Complaint narrative:
I, XXXX XXXX, called Westlake Financial Services on XX/XX/XXXX to voluntarily surrender my XXXX XXXX XXXX that I began financing with Westlake in XXXX of XXXX. The vehicle has 2 engine replacements and a current engine failure that would need XXXX of work to fix. Westlake has to date XX/XX/XXXX NOT come to retrieve their vehicle. I called again on XX/XX/XXXX to ask Westlake to please pick up the vehicle, due to my needing to remove the tags and surrender to the DMV because I could no longer carry insurance on that vehicle, since I must carry insurance on my current vehicle. Westlake is continuously reporting this as a late payment for 60 days now, due to XX/XX/XXXX being the next payment due. In addition, I informed Westlake that the vehicle is at risk of being towed with no tags in my apartment complex space, and we are now 30 Days after me reporting a voluntary surrender. There is, in addition, by Law a process to auction the vehicle before determining the final amount, and Interest is currently building on this account. Please guide my next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I am submitting this complaint regarding Freedom Mortgage Corporation and the handling of my mortgage loan account ( Loan No. XXXX ). I submitted a Qualified Written Request ( QWR ) pursuant to RESPA requesting information concerning the servicing, ownership, and accounting of my mortgage loan. Although Freedom Mortgage sent correspondence in response, the responses were incomplete and failed to adequately address several material requests, including : Identification of the current owner/investor of the loan A complete itemized accounting of the alleged delinquency Clarification regarding escrow calculations and fees Proper substantive investigation of disputed account information Instead of fully responding to the substance of my requests, Freedom Mortgage characterized my inquiries as frivolous and referenced alleged debt-elimination theories that were never asserted in my correspondence. My requests were made in good faith and were limited to information permitted under RESPA concerning loan servicing and account accuracy. Additionally, I have requested loss mitigation assistance due to financial hardship involving medical limitations and a pending XXXX determination. I am requesting that Freedom Mortgage : Provide a complete and accurate response to my QWR Identify the current owner/investor of the loan Provide a detailed accounting of all amounts claimed due Properly review my loss mitigation request Ensure any credit reporting accurately reflects the disputed status of the account I am seeking a fair resolution and compliance with applicable federal mortgage servicing laws.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am formally disputing the XXXX account reporting on my consumer credit file. This account does not belong to me, and I have no contractual relationship with XXXX regarding this alleged debt. I have previously disputed this account multiple times and requested competent evidence supporting the reporting of this account. To date, neither the credit reporting agencies nor XXXX have provided sufficient documentation establishing that I legally authorized or incurred this obligation. Under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2, furnishers and consumer reporting agencies are required to maintain maximum possible accuracy and conduct reasonable investigations of disputed information. I am requesting a complete reinvestigation of this account and demand that all inaccurate information be deleted immediately if verification can not be properly established. This letter serves as a formal notice of dispute and request for validation and method of verification. Please note : * I am asserting that this account is fraudulent and/or not mine. * Continued reporting of inaccurate information after notice of dispute may constitute willful noncompliance under the FCRA. * Automated or superficial investigations are insufficient under federal law. I request that all parties provide the documentation outlined below within the statutory investigation period. Please provide the following documents and records relating to the disputed XXXX account : 1. Original signed contract or service agreement 2. Complete account application 3. Date account was opened 4. Full account history and billing statements 5. All addresses associated with the account 6. Method used to verify identity at account opening 7. IP address/device data used to establish service 8. Any signatures associated with the account 9. Copies of drivers license or identification used 10. Complete payment history 11. Documentation proving I authorized this account 12. Method of verification used during prior investigations 13. Name, address, and telephone number of the individual/entity that verified this account 14. Any collection assignment or transfer agreements 15. Audio recordings or electronic authorization records, if applicable If these records can not be produced, I demand immediate deletion of this account from all consumer reporting agencies. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: DriveTime
State: LA

Complaint narrative:
I purchased a XXXX XXXX for {$29000.00} on XX/XX/XXXX. On XX/XX/XXXX i brought the vehicle to XXXX after speaking with Drive Time Consumer Relations. They said my brakes were at 70 % and the shoes and pads were worn to the core and needed replacement. Owning a vehicle for just a month and having 70 % brakes is unacceptable. I am XXXX and I travel therefore I wanted the brakes fixed thinking Customer Relations would reimburse. They would not. They said I did not need my brakes fixed even when XXXX Explained the danger of driving at only 30 % capacity. I paid XXXX {$880.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: GA

Complaint narrative:
This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ). I am formally demanding the following documentation within 15 calendar days from the date of this letter : * Agreement that grants your company the authority to collect on this alleged debt; * A copy of the original agreement or contract bearing the signature of the alleged debtor showing a promise to pay the original creditor; * The complete payment history on this account, including all charges, payments, interest, fees, and adjustments, to verify the amount you claim is owed ; * The name and address of the original creditor; * Documentation showing the date the debt was incurred and whether the debt is within the applicable statute of limitations ; * Your debt collector license number and the state ( s ) in which you are licensed to collect * Your surety bond information, as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the debt, I demand that you return the account to the original creditor and permanently cease any further action on this matter. Be advised that continued failure to validate, coupled with continued furnishing of fal formation to credit bureaus, constitutes willful noncompliance under 15 U.S.C. 168 and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs. I am documenting all violations and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general 's office, and seek relief through litigation if necessary. Let this serve as your final warning. Failure to comply within 15 calendar days will result in further legal action. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Consumer Portfolio Services ( CPS ) regarding improper handling and delayed application of payoff funds for my auto loan. A payoff check was sent to XXXX by my title/mortgage company as part of a home closing transaction. XXXX acknowledged receipt of the payoff check on XX/XX/year>. Despite receiving the funds on XX/XX/XXXX, XXXX refused to apply the payment to my loan balance for approximately XXXX days. During this delay, XXXX continued charging interest and fees against the full loan balance as though no payoff funds had been received. I was told I had to pay the remainder in order for the payoff check to be posted to my account. When the payment was finally posted on XX/XX/year>, the transaction history showed : - {$700.00} applied to interest, - {$400.00} applied to fees, - only {$1100.00} initially applied toward principal, - and a separate principal payment posting afterward. The portal history also reflects continued accrual of charges and delayed crediting of the payoff funds despite CPS already being in possession of the payoff check. I dispute : XXXX. The delayed application of payoff funds after receipt on XX/XX/year> XXXX. The continued accrual of interest after CPS received the payoff funds XXXX. Any fees or late charges assessed during the delay period XXXX. The failure to promptly and properly credit the account once payoff funds were received I believe CPS improperly benefited from delaying the posting/application of payoff funds while continuing to accrue interest and fees against my account balance. I am requesting : - A full written payoff reconciliation and accounting - Reversal of improperly accrued interest from XX/XX/XXXX through XX/XX/year> - Reversal of any improper fees or late charges - Correction of the account balance - Confirmation that no negative credit reporting has occurred related to this issue I am also requesting investigation into CPSs policies and practices regarding delayed posting and application of received payoff funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CT

Complaint narrative:
I am filing this complaint against XXXX XXXX and its collection agency, Jefferson Capital Systems, for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an illegitimate, error-generated " phantom '' debt. Account History & Final Settlement : In XXXX, I maintained four active lines of service with XXXX XXXX. On XX/XX/XXXX, I canceled my service and initiated a port of all four lines to XXXX. The account transfer was completed on XX/XX/XXXX. As of that date, my remaining balance was {$1000.00}. To ensure a XXXX balance, I made the following payments via the XXXX app based on what the system indicated was due : - {$390.00} on XX/XX/XXXX - {$880.00} on XX/XX/XXXX - {$470.00} on XX/XX/XXXX My total payments equaled {$1700.00}, overpaying my final balance and leaving the account fully settled at {$0.00}. The Violation ( System Loop & Zombie Debt ) : On XX/XX/XXXX, I began receiving new bills from XXXX. A XXXX system failure failed to properly close the account ending in XXXX after the port, creating an automated " system loop '' that continued to generate zombie monthly service charges from XX/XX/XXXX until XX/XX/XXXX. These charges were billed without any service being provided, as all four lines were already actively ported and in service with XXXX. XXXX has since sold this illegitimate, error-generated debt to Jefferson Capital Systems , who is now attempting to collect on a balance that I do not owe and that stems entirely from a corporate billing glitch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: KY

Complaint narrative:
Ive contacted AARGON AGENCY INC and ask for documentation for the collection and account they couldnt provide me with anything. Ive called them multiple times and ask for documentation they hang up or are extremely rude! I let them know this account was a fraudulent account and was opened without my knowledge! There refusing to delete the account or give me any details on it other then its owed please help

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
they are making up excuses on why they closed my account and i have {$500.00} in my paypal account that they will not released my funds to me and i told them i was gon na sue them over it. and i needed the {$500.00} for rent. and they are trying to hold it for 180 days which is a bunch of XXXX. i dont believe anything they say. paypal constantly makesa up excuses because they dont want to do their job. so they are basically stealing {$500.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX. My ex girlfriend ( XXXX XXXX ) opened and used a credit card from Capital one XXXX XXXX shops without my knowledge and never paid the payments. I am very upset about this as I need the proper steps to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
SOMEONE WITH CHIME HACKED MY ACCOUNT AND TOOK {$50.00}. I TRIED TO FILE A DISPUTE WITH CHIIME AND THEY DID NOT DO ANYTHING. THIS IS A VERY SORRY UNPROFESSIONAL COMPANY THAT ALLOW HACKERS TO STEAL MONEY FROM PEOPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: PA

Complaint narrative:
My Cashapp account was hacked and {$2000.00} stolen. I went thru all the proper channels reporting it to both Cashapp and my bank ( XXXX XXXX ) and without notice Cashapp closed my account. They now say I owe them {$30.00} and they closed my account so I can't pay anything to them and they're impossible to get ahold of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: FL

Complaint narrative:
I placed an order on XX/XX/scrub>, 2026 for weight loss medication from XXXX through XXXX. I discovered after the order was placed, that XXXX was selling non-FDA, compounded medication. Nurse Practitioner XXXX XXXX LICENSE XXXX XXXXXXXX sent an email to me on XX/XX/year>2026, that stated this below fact in an extremely lengthy email to purposefully make it difficult to find, and I am a senior citizen. The email said : Please remember : - This medication is not XXXX approved and its use is off label and compounded for the treatment of weight loss and metabolic syndrome. I responded to XXXX via email to XXXX XXXX, XXXX that I wanted to cancel the order on XX/XX/scrub> 2026. T I notified XXXX that I wanted the loan for this purchase cancelled prior to the medication being shipped to me. I was not willing to risk taking a non-FDA approved drug and my medical provider also advised against it! XXXX refused to cancel the loan. I filed a Dispute on XX/XX/year>2026 with XXXX against the merchant, XXXX, and provided backup documentation, proof of the XXXX XXXX Complaint XXXX XXXX against XXXX XXXX, and a screenshot from a law firm that stated that it was illegal to prescribe drugs that are not XXXX approved without disclosing this first to patients. I also provided proof that I refused the XXXX delivery of the XXXX medication. I received notification from XXXX yesterday that they denied my Dispute in favor of XXXX This is unethical, unacceptable and I have been tricked by a merchant, XXXX, that failed to disclose the medication was not XXXX approved with the product returned to them. They should not be paid for a returned item that was illegally prescribed! I have also been betrayed by XXXX, who did not cancel the loan, rule in favor of me in the Dispute, or get their legal counsel to subrogate against XXXX. Please know there are many consumer complaints against XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/year> notification was sent to the collector to verify the debt. I never received any response from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation