vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
I discovered on XX/XX/XXXX that two checks that I had put stop payments on were cashed. I did not know that stop payments at this bank only last for 6 months. The company who cashed the checks said they never received them. I reissued checks to the company which they cashed. The stop payment checks were check # XXXX for {$200.00} written on XX/XX/XXXX through bill pay and check XXXX for {$120.00} written on XX/XX/XXXX through bill pay. 
I told the company that they were paid twice. I wanted to send them verification from the bank. The bank says they have no records of the stop payments. I sent them a screen shot showing the stop payment fee removed from my statement. They came back and said it was for another check. That check they state it was for was cashed the same month it was written. I didn't put a stop payment on that check. 
I recently put a stop payment on the last check I sent to this company. This request was submitted after all of this started. The bank is telling me that this is the only stop payment that I have ever requested. My statements with the stop payment fees prove otherwise. 
I am concerned that Axos bank has no records of old stop payments. There is a problem with their record keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: CA

Complaint narrative:
I called Cash App to close the account because theres transaction of XXXX of notification blowing up my mailbox of deducting XXXX XXXX XXXX from Cash App! All I want is to close my account by all means! My hash tag is XXXX XXXX  Also I had a linked card back in 2024 from a company I had worked for with XXXX of years of XXXX from XXXX  a company I worked for? Missing money one day i woke up I had over XXXX XXXX XXXX  in my account and all was left was XXXX XXXX XXXX? So please all I want is to close the Cash App account by all means! Thank you to whom it may concern!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I requested Form 1099-C from credit as said item was reported as cancelled/charged off. See copy of letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XX/XX/year> Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Request for Issuance of Form 1099-C for Canceled Debt To Whom It May Concern, I am writing to formally request the issuance of an IRS Form 1099-C, " Cancellation of Debt, '' for the following account ( s ) that your company previously charged off or settled for an amount less than the full balance owed : Account Number : XXXX Date Settled/Charged Off ( approx ) : XX/XX/year> Amount Written Off/Canceled ( approx ) : {$650.00} According to IRS regulations, any applicable financial entity that cancels a debt of {$600.00} or more is required to file Form 1099-C and furnish a statement to the borrower. This debt was changed from a receivable to a loss in your accounting books, which necessitates the issuance of the appropriate tax form.

I need this form to accurately complete my federal income tax return for the tax year 2025. Please investigate this matter and provide me with a copy of the official IRS Form 1099-C or an acceptable substitute statement as soon as possible. Please send the document to the address listed above. 
If you have already reported this cancellation of debt to any credit reporting agency, please ensure that my balance has been updated to reflect a {$0.00} balance and that the item is noted as " account closed '' or remove it from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX of SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: MN

Complaint narrative:
My servicer double-billed my hazard insurance, causing a {$5300.00} escrow shortage and {$250.00} payment increase after XXXX  years of stable payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MD

Complaint narrative:
First found out from court letter dated XXXX  for judgement of {$6400.00}. Never receive any communication or mail from Crown Asset Management of them buying the debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD

Complaint narrative:
My USAA checking account was closed on XX/XX/year>. 

After the account was closed, XXXX XXXX benefits were deposited into the restricted account. These are federally protected benefits. 

USAA is refusing to release or transfer the funds and states I must wait up to 60 days, despite the fact that I am experiencing severe financial hardship. I currently have no access to money for rent, utilities, or food. 

I have requested an expedited hardship disbursement, cashiers check, or transfer of funds, but USAA has not provided access to my benefits. 

I am requesting that USAA immediately release my XXXX XXXX funds, provide a hardship exception, and ensure future benefit deposits are not sent to the closed account. 

This delay is causing risk of housing instability and inability to meet basic needs.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am truly stressed out to the point I just don't know what to do and I feel violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: PNC Bank N.A.
State: NJ

Complaint narrative:
I have been working with a XXXX XXXX  attorney and XXXX XXXX agent since XX/XX/XXXX to get my property sold as a short sale. The mortgage company, PNC, continues to take their time and not provide answered timely. They continue to not accept the offer and ask for additional Monies or information which is ridiculous at this point. The house will go up for sheriffs sale in XX/XX/XXXX. I have postponed the sale twice due to the lack of anything from PNC. This is ruining my credit and creating more and more anxiety with each passing day. This wasnt my plan but due to personal situations it is and I want it done so I can move on. Please help me get this short sale done with as we have a cash buyer than is willing to close in 2 weeks. I just dont understand why they would continue to drag their feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding Wells Fargos handling of a debit card dispute involving merchant impersonation. 

I made a {$190.00} debit card payment through an online form that represented itself as an official booking desk or authorized agent of XXXX XXXX. The merchant was later revealed to be XXXX, an unaffiliated third party that falsely claimed airline representation. 

I reported the issue immediately upon discovering the deception, and Wells Fargo cancelled my card. However, Wells Fargo later determined that the transaction was authorized and refused reimbursement, without addressing the core issue of false representation of merchant identity. 

I did not authorize a transaction to XXXX as an independent merchant. My consent was obtained through deception regarding who I was paying. This is not a service dispute but a case of merchant impersonation, which invalidates meaningful authorization and violates card-network rules regarding deceptive merchant practices. 

I am requesting that Wells Fargo : Conduct a proper investigation into merchant impersonation Reconsider the charge under fraud and card-network rules Provide reimbursement for the disputed transaction Thank you for your attention to this matter. 
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 monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I have received a notice from Rocket dated XX/XX/XXXXXXXX  that PMI is no longer needed on my loan. I reached out on XX/XX/XXXXXXXX  via chat and still was told I need to pay PMI. 

They refuse to take it off for XXXX 's payment and also charged me double PMI in XXXX. 

Their response that XXXX 's payment is for XXXX but that does not make sense since I paid double in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing the accuracy and legality of this collection account being reported on my XXXX  credit report. 

This account contains material inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Specifically : 1. The account shows a Date Opened of XX/XX/year>, yet the Balance Updated date is XX/XX/year>, which is a future date and impossible to verify as accurate. 
2. The account reflects a 1 month term, which is inconsistent with how insurance-related debts are originated and billed. 
3. The account is reported as past due as of XX/XX/year>, while the status update and opening dates do not align chronologically. 
4. I previously disputed this account, and it is currently marked as Account information disputed by consumer, yet the furnisher failed to correct or remove these inaccuracies. 
5. The furnisher has not provided proper verification establishing : A valid consumer contract Proof of my responsibility for the debt Accurate dates of first delinquency as required under FCRA 623 ( a ) ( 5 ) Because this information can not be verified as accurate and complete, continued reporting is causing ongoing harm to my credit profile.

I am requesting that this account be deleted in its entirety from my credit report, as required when a furnisher can not fully verify disputed information. 

Please require XXXX  and the furnisher to provide documented proof or permanently remove this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The account has been satisfied in full, yet it continues to reflect late payment history incorrectly.

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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This is a follow up to a previous unaddressed dispute with XXXX XXXX XXXX where a late payment was reported in XXXX, XXXX on an account closed in XXXX. XXXX stated they did not report the late payment to the credit bureaus, which was an inaccurate statement leading to no meaningful resolution. 

In addition to attempting resolution through the CFPB, I also filed a dispute with Experian who did report the late payment in payment history and as a result, my credit dropped by over 20 points. Experian is still investigating the issue but this should never have been a reportable incident.

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 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am filing a new complaint due to additional and escalating harm that occurred after my prior CFPB complaints regarding Wells Fargos Extra Day Grace Period program. 

Wells Fargo repeatedly markets and advertises the XXXX XXXX XXXX XXXX as a feature designed to allow customers time to bring their account positive after transactions post when sufficient funds are not immediately available. This program historically functioned for my Everyday Checking account, allowing me to resolve negative balances the following business day and avoid further consequences. 

Beginning in 2025, Wells Fargo continued to send me Insufficient Funds/ Extra Day Grace Period alerts while simultaneously denying the actual benefit of the program. Transactions posted, negative balances persisted, and I was not able to cure them the next business day as advertised. Despite ongoing marketing and alerts indicating the program applied, Wells Fargo treated my account as if no grace period existed. 

As a result, my account remained slightly negative, and Wells Fargo ultimately closed a long-standing account of approximately 15 years for a balance under {$20.00}. This closure occurred after I filed multiple regulatory complaints and while disputes were still active.

Compounding the harm, Wells Fargo restricted my access to statements and historical account documentation following closure, impairing my ability to gather evidence and defend myself in ongoing regulatory proceedings. I was unable to fully access records necessary to rebut Wells Fargos claims.

Wells Fargos position that the issue is simply that there was not enough money in the account ignores the core issue : the Extra Day Grace Period is explicitly marketed as protection for situations where sufficient funds are not immediately available. Advertising a grace period while denying its function is misleading and unfair.

I am requesting CFPB review of Wells Fargos representations, the discrepancy between marketing and actual account treatment, the retaliatory nature of account closure during active disputes, and the obstruction of access to account records.

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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have XXXX XXXX XXXX Mastercard by US Bank. I was recently out of country from XX/XX/XXXX through XX/XX/XXXX. I get my credit card statements physically and I make electronic payment for full balance through my credit union once I have verified the statement and all transactions. While I was out of country, I didn't have access to my credit card statements. When I returned to US on XXXX, I promptly made full payment to US Bank on the same day however it got posted on XXXX. The US Bank credit card payment due date was XX/XX/XXXX so my payment was late by only 4 days. As a result, US Bank charged me {$41.00} in late fees and another {$1.00} in interest charge. Despite my explaining the situation of foreign travel to multiple customer service personnel and supervisor that I didn't have access to credit card statements while abroad and payment is only late by few days, they outright declined my request for late fee waiver. 

I kindly request CFPB to help me out with this predatory practice of late fees without offering customer any grace period. I have already wasted my valuable 3-4 hours trying to resolve this situation with US Bank . 

Kind Regards, XXXX XXXX XXXX Credit Card Account XXXX in 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 monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: MI

Complaint narrative:
UNITED REVENUE is falsely reporting on my credit. I have never had any accounts with them. Per my research UNITED REVENUE 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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Unfair Account Closure and Negative Credit Impact Due to Non-Received Fraud Notice On XX/XX/XXXX, Wells Fargo placed a temporary hold on my credit card account due to suspected fraud. I was unaware of this hold because I had not used the card. When I attempted to make a payment on XX/XX/XXXX, I discovered the hold and immediately called Wells Fargo. 
The representative ( " XXXX '' ) informed me that Wells Fargo mailed a letter on XX/XX/XXXX, requiring my response by XX/XX/XXXX, or the account would be closed. I never received this letter. Wells Fargo confirmed the account is now closed and claims nothing can be done because the deadline passed. I asked to speak to a supervisor and after a brief hold I was connected with " XXXX '' and he stated the same thing that XXXX stated. I then stated I wanted to file an internal complaint. XXXX took my phone number down and advised he would file the complaint and someone would be in touch within 1-2 business days. 
This closure will negatively affect my credit history and score. I believe Wells Fargos process is unfair because : * They relied solely on regular mail for a critical notice without certified delivery or electronic communication.

* I had no opportunity to respond because I never received the letter. 
* The closure was not due to non-payment or misuse, but a missed communication beyond my control.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Skopos Financial, LLC
State: KS

Complaint narrative:
To Whom It May Concern, I am writing in response to your reporting and/or attempt to collect on an alleged debt associated with a rent recovery account. I dispute the validity of this debt and am requesting full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide the following documentation to substantiate this debt : 1. Proof that I am legally obligated to pay the alleged debt, including a copy of the original lease agreement bearing my signature.

2. An itemized accounting of the amount claimed, including any fees, penalties, or charges added.

3. Documentation showing that you have the legal right to collect this debt, including assignment or ownership of the account.

4. The name and address of the original creditor.

5. Proof that the debt has not been satisfied, discharged, or otherwise resolved. 

Until such validation is provided, you must cease all collection activity, including reporting or continuing to report this account to any consumer reporting agencies. If you are unable to provide the requested validation, I request that this account be promptly deleted from my credit reports and that I receive written confirmation of such deletion. 

This letter is not an acknowledgment of liability, nor is it a promise to pay. It is a formal request for validation of the alleged debt. 

Please respond in writing within the time frame required by law. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
My uncle XXXX XXXX sent by Cash App on XXXX XXXX. XXXX XXXX dollars. Cash app put a hold on the money saying they had to check it out. Later told it would take some time. On XX/XX/XXXX I called they inform me they had closed my account and they would not send it back to my uncle who sent the money. I needed the money for rent and XXXX. Any help XXXX greatly appreciated

Company response to consumer: Closed with explanation