vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 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: VA

Complaint narrative:
I am writing to dispute the above-referenced debt and to request validation of this alleged obligation. I do not admit liability for this debt. I am requesting that your company provide complete verification and documentation showing that I am legally obligated to pay this amount. Please provide the following : The name and address of the original creditor The account number associated with the alleged debt The amount claimed, including an itemization of principal, interest, fees, payments, and credits Copies of any agreement, contract, application, or other documents bearing my signature or otherwise showing I agreed to this debt Proof that your company has the legal right to collect this debt The date of default and the date of the last payment, if any A complete payment history on the account Documentation showing that the debt belongs to me and not to another person with a similar name or identifying information Until this debt is properly validated, I request that all collection activity on this account stop. If you have reported this account to any credit reporting agency, I request that you mark the account as disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding Nelnets failure to provide accurate information and access to my student loan account. Approximately XXXX years ago, I contacted Nelnet after being informed that my loans may qualify for federal relief. Nelnet informed me they could not locate my account using my name or Social Security number. I was instructed to contact Federal Student Aid, who then redirected me back to Nelnet. This cycle occurred multiple times without resolution. Nelnet failed to : Locate or properly identify my account Provide guidance on how to proceed Follow up as promised As a result, I was unable to submit a borrower defense application prior to the XX/XX/year> deadline. I relied on their guidance in good faith. I am requesting investigation and corrective action, including consideration for relief that I was prevented from accessing due to servicer misinformation and lack of support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
I need someone to contact me directly at my email address so I can contact you then over the phone to explain the situation there is too much to write in here and very little time to do it I need help immediately

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America XXXX contacted me again regarding my open claims, but the representative was unable to provide any information about the status of my XXXX claims. I was told only that the claims team is working on it, with no timeline, no determination, and no explanation for the continued delay. The representative also stated that the CFPB will be closing my complaint in XXXX because the bank informed you they are still working on everything. This is inaccurate. I have not received : any written status updates any determinations any provisional credits any regulatory notices any explanation for why the claims remain unresolved My XXXX claims have now exceeded all required regulatory timeframes without resolution or documentation. The banks repeated calls with no information appear to be stalling tactics rather than genuine progress. I am requesting immediate CFPB intervention and a requirement that Bank of America : XXXX. Provide a full written status update for all XXXX claims XXXX. Issue determinations or provisional credits within XXXX hours XXXX. Explain why regulatory timelines were not met XXXX. Keep this complaint open until all claims are fully resolved and documented I need full transparency and timely action, as the bank has not complied with required timelines or provided any substantive information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am writing to dispute the above-referenced debt and to request validation of this alleged obligation. I do not admit liability for this debt. I am requesting that your company provide complete verification and documentation showing that I am legally obligated to pay this amount. Please provide the following : The name and address of the original creditor The account number associated with the alleged debt The amount claimed, including an itemization of principal, interest, fees, payments, and credits Copies of any agreement, contract, application, or other documents bearing my signature or otherwise showing I agreed to this debt Proof that your company has the legal right to collect this debt The date of default and the date of the last payment, if any A complete payment history on the account Documentation showing that the debt belongs to me and not to another person with a similar name or identifying information Until this debt is properly validated, I request that all collection activity on this account stop. If you have reported this account to any credit reporting agency, I request that you mark the account as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am writing to dispute the above-referenced debt and to request validation of this alleged obligation. I do not admit liability for this debt. I am requesting that your company provide complete verification and documentation showing that I am legally obligated to pay this amount. Please provide the following : The name and address of the original creditor The account number associated with the alleged debt The amount claimed, including an itemization of principal, interest, fees, payments, and credits Copies of any agreement, contract, application, or other documents bearing my signature or otherwise showing I agreed to this debt Proof that your company has the legal right to collect this debt The date of default and the date of the last payment, if any A complete payment history on the account Documentation showing that the debt belongs to me and not to another person with a similar name or identifying information Until this debt is properly validated, I request that all collection activity on this account stop. If you have reported this account to any credit reporting agency, I request that you mark the account as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I am filing a complaint against Robinhood regarding a frozen checking account and complete lack of access to both my funds and customer support. My Robinhood checking account has been frozen for several days due to suspicious activity, and I can not access approximately {$4000.00} that was deposited from my employer. These are essential funds needed for rent and basic living expenses. I have made repeated attempts to contact Robinhood through all available channels, including email, in-app support, and phone support. However, I have received no meaningful response. I am currently unable to reach anyone who can help, and my calls and emails are not being answered or resolved. I have not been given a clear explanation for why my account is restricted, nor have I been provided with any timeline for when I will regain access to my funds. This situation is causing immediate financial hardship, and I am effectively locked out of my own earned income with no support or resolution. I am requesting that Robinhood : XXXX. Immediately restore access to my account and funds, or XXXX. Provide a clear explanation for the restriction and a specific timeline for resolution, and XXXX. Ensure that I can reach a competent representative to resolve this issue. It is unacceptable for a financial institution to restrict access to deposited wages while also failing to provide any responsive customer support

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
In XXXX I was a victim of a scam involving my Bank of America account which resulted in unauthorized transactions and a negative balance of approximately {$5600.00}. I did not authorize these transactions. The account was later reported to XXXX as unpaid and suspected fraud activity. I have disputed this with XXXX and attempted to resolve it with the bank, but the inaccurate information remains and is preventing me from opening a bank account.

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: IA

Complaint narrative:
Between the XXXX of XX/XX/XXXX and the morning of XX/XX/XXXX, I attempted to complete 4 verified money transfers over a period of XXXX hours. Despite providing state-issued ID and banking verification, Remitly agents subjected me to invasive interrogation regarding my private marriage and personal family relationships, my work, source of income and my yearly earnings. I requested a manager escalation eight ( 8 ) times across four separate callsspecifically requesting a supervisor six ( 6 ) times on the final call aloneand was flatly refused each time. Most critically, agents engaged in deceptive trade practices by explicitly stating my transfers were 'approved and pushed through " to end the calls, only to immediately cancel the transactions once I was off the line. This is a systemic failure of dispute resolution ( Regulation E ) and constitutes unfair, deceptive, and abusive acts ( UDAAP ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this complaint due to ongoing harassment by debt collectors who continue to contact me excessively, including repeated calls throughout the day and at inappropriate hours. Their behavior has caused me significant stress and disruption to my daily life. I have previously attempted to dispute this debt, but my concerns have not been properly addressed or resolved. Despite my efforts, I continue to receive persistent communication without validation or a satisfactory response regarding the legitimacy and accuracy of the debt. I am requesting that this matter be thoroughly investigated, that the debt be properly verified, and that the excessive and harassing communication cease immediately. I would also like clear documentation and resolution regarding my prior dispute. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 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: GA

Complaint narrative:
On XX/XX/year> I made a purchase online for {$41.00}. I thought it was unusual to not receive a confirmation of the order or when I would receive it. After approximately 10-12 days I called Cash App to start a dispute for my refund. Several weeks pasted so I called Cash App checking the status. I was told that it had been refunded back to my account. I asked why wasnt I told. They replied for me to check my email. I did & I wasnt satisfied because I didnt see in my mobile app where my money was refunded. It didnt add up. So after calling them countless times telling them my money was not returned, they put in my mobile app that the money was returned the same day which is impossible. They did that after I told them I was going to report them to a higher authority. They did this again XXXX XXXX. I put {$15.00} on an XXXX account at XXXX XXXX The fee for doing that is {$3.00}, but the charged me {$15.00}. I called Cash app same dispute routine the on the say day in the app is said I was refunded. I was able to call the XXXX & ask had {$30.00} been refunded to my account & the person told me that once its put on XXXX account it cant be refunded. So cash app is stealing my money and lying that it is been refunded to my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
They closed my checking account XXXX on the XXXX of XXXX XXXX that is the day of my refunds XXXX they had not returned it an telling me that they send it back XXXX the XXXX but they have not please help me get my refunds XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Select Portfolio Servicing, Inc. ( SPS ) based on significant inconsistencies in its representations regarding authority, ownership, and account status. SPS has asserted that a foreclosure sale occurred in or around XX/XX/XXXX. However, SPS continues to issue escrow statements and payment demands as recently as XX/XX/XXXX, which directly contradicts its claim that the property was sold. In addition, SPS previously relied on a recorded XXXX XXXX XXXX ( XXXX XXXX. XXXX ) to justify actions related to the account. A certified XXXX XXXX XXXX Recorder Certificate of No Record ( dated XX/XX/XXXX ) confirms that no such instrument exists associated with the subject property or borrower. Public record review further indicates that this instrument is associated with a different individual and property, with no apparent connection to the subject title. I requested clarification and supporting documentation from SPS regarding its authority, ownership claims, and the basis for its continued billing activity. SPS provided inconsistent and unsupported information that does not resolve these discrepancies. SPSs continued issuance of escrow statements and payment demands in XXXX for a property it claims was foreclosed in XXXX creates significant confusion regarding ownership status and financial liability. I am requesting that SPS investigate and correct inaccurate records, cease contradictory billing activity, and provide a clear and documented explanation of its authority and account status. Similar discrepancies appear in other consumer matters, suggesting this may not be an isolated issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
If a bank refuses to provide documentation regarding a debit card dispute denial, they may be violating the Electronic Fund Transfer Act ( EFTA/Reg E ). You have the right to request all documentation, including evidence used to make the decision. If denied, you can file a complaint with the CFPB.

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 2026-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I had my taxes deposited to my Credit Karma XXXXXXXX account, I cant not with draw my money so I asked that a check be sent. I have been getting nothing but the run around for a month and a half, still I dont have my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I'm a long-time Bank of America XXXX XXXX good credit, solid history, XXXX multiple accounts ( including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My main checking is XXXX XXXX $ XXXX monthly maintenance fee. I get over $ XXXX from clients via XXXX electronic XXXX, no checks or cashbut BofA says XXXX doesn't qualify as " direct deposit '' because it's not payroll or government. Only that counts for waiver. So they hit me with the fee anyway, even though the account 's active XXXX used daily. XX/XX/XXXX that {$12.00} nearly caused an overdraftI couldn't risk it, so after work I called XXXX time around XXXX. No warning their live support closes at XXXX XXXX XXXX XXXX XXXX ), nothing on the site. I waited on hold over an hour, then another, riding a XXXX XXXX home just XXXX talk XXXX someone. Almost crashed XXXX in XXXX hand, XXXX XXXXbecause I needed that waiver XXXX protect my credit. No XXXX answered ; I hung up around XXXX, still charged the junk account maintaince fee. This is unfair : junk fee on a used account, misleading hours, dangerous hold time, XXXX classifying legit transfers as " not direct deposit. '' I'm not brokejust income dipped from XXXX clientbut they trap people like me. Waive it, refund, fix the rules.

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 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
To whom it may concern, I must formally dispute your conclusion. I did not authorize XXXX to charge my husbands card, and I did not intend for any billing agreement to allow charges to this payment method. This card does not belong to me, and I did not provide consent for it to be used for this transaction. If a billing agreement exists, it was not authorized by the cardholder for this charge, which raises serious concerns about how this payment was processed. I request that you review the following : Whether proper cardholder authorization was obtained The exact billing agreement you are referencing, including when and how it was approved Please provide documentation showing that the cardholder ( my husband ) explicitly consented to this billing agreement and this specific charge. Given that the charge involves a third-party cardholder who did not authorize the transaction, I request that this claim be fully reconsidered. If this issue is not resolved, we will pursue this matter directly with the card issuer as an unauthorized charge. Thank you for your prompt attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized XXXX collect it. Despite the absence of proper validation, this account continues XXXX be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is XXXX misleading XXXX incorrect.

Company response to consumer: Closed with non-monetary relief