vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
On XX/XX/year>, approximately XXXX XXXX ( XXXX XXXX XXXX ) was mistakenly transferred from a XXXX wallet to a XXXX deposit address provided by Robinhood. The transaction was successfully confirmed on the XXXX XXXX and the assets were received by a wallet associated with Robinhood. On XX/XX/year>, I contacted Robinhood support and opened a support case requesting assistance to recover or return the assets. I provided the transaction hash and relevant details. XXXX informed me that the case had been escalated to their technical team. Later, I was told that XXXX is not supported on their platform and that they could not recover the assets. Despite this explanation, the assets remain visible on the public XXXX blockchain in a wallet associated with Robinhood. I am a Robinhood Gold member, and Robinhood promotes cryptocurrency services and incentives that encourage customers to transfer and hold crypto assets on their platform. These promotions influenced my decision to transfer my assets to Robinhood. I expressed my willingness to pay any reasonable processing or transaction fees required to facilitate recovery or return of the assets. However, the case was ultimately closed without any recovery assistance. The approximate value of the assets is about {$50000.00}. I respectfully request that the matter be reviewed and that reasonable steps be taken to return the assets to the originating wallet address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Someone transferred my money from my accounts to bank of America

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 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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

Company 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 2026-03-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
XXXX XXXX [ Your Address ] [ City, State ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] To : Customer Relations Department Affirm Inc . Subject : Formal Complaint Incorrect Charge-Off Reporting on Paid Accounts Dear Customer Relations, I am writing to formally dispute the reporting status of several accounts financed through your company that were used for purchases with XXXX and XXXX XXXX . According to my records, all of these accounts were paid in full in XX/XX/year>. However, I have recently discovered that multiple accounts with balances ranging from {$75.00} to {$650.00} have been incorrectly reported as charged off. This reporting is inaccurate and does not reflect the payment history or the fact that the accounts were satisfied in full. Incorrect reporting can significantly harm my credit profile and financial reputation. I respectfully request the following actions : Immediate investigation of the accounts in question. Correction of all inaccurate reporting with the credit reporting agencies. Written confirmation that the accounts have been updated to reflect Paid in Full / {$0.00} balance. Removal of any charge-off or derogatory remarks associated with these accounts if they were reported in error. If necessary, I am prepared to provide documentation verifying the payments made in XX/XX/year>. Please respond within 30 days confirming that this matter has been investigated and corrected. If the issue is not resolved, I will be prepared to file formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General. I appreciate your prompt attention to this matter and expect a timely resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing this complaint because BMO Bank N.A . charged me a {$50.00} early account closing fee even though the account closure was initiated by the bank and not by me. On XX/XX/XXXX, I contacted BMO Bank regarding two charges of {$25.00} labeled XXXX Returned Transaction Fee that appeared on my account. XXXX confirmed that these charges did not originate from them. The bank opened an investigation and later refunded both charges. During my communication with the bank on XX/XX/XXXX, I spoke with a representative named XXXX. During that conversation, XXXX stated that the account might be closed. I specifically asked him not to close the account because I wanted to keep it open. After this interaction, my account was frozen. On XX/XX/XXXX, I called the bank again and spoke with XXXX, who transferred me to a supervisor named XXXX. During this call, XXXX informed me that the account could not be unfrozen and that it would be closed. I clearly stated that I did not request the account to be closed and that I preferred to keep the account open. Despite this, XXXX proceeded with closing the account. During that conversation, XXXX also asked whether I wanted to open a new account. I declined because I was dissatisfied with how the situation had been handled. At no point during this conversation was I informed that a {$50.00} early account closing fee would be charged. After the account was closed, I discovered that the bank charged me a {$50.00} early account closing fee because the account had been open for less than 90 days. I contacted the bank several additional times requesting a refund and explaining that the account closure had been initiated by the bank and that the early closing fee had never been disclosed to me. On XX/XX/XXXX, I spoke with XXXX. On XX/XX/XXXX, I spoke with XXXX. On XX/XX/XXXX, I spoke with XXXX and later with XXXX, who provided me with the names of the representatives involved in the prior conversations. Each time my request for a refund was denied. Charging an early account closing fee when the closure was initiated by the banks supervisor and without disclosure of such a fee is unfair and inappropriate. I respectfully request : A full refund of the {$50.00} early account closing fee A review of the banks handling of this account closure and customer communication.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
Validation of Debt Request - CONTRACT CALLERS INC - XXXXXXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/year>, we purchased a product after the salesperson assured us that we would qualify for a * * 36-month interest-free financing promotion * *. The salesperson, XXXX XXXX, stated that she had already contacted the credit card company and confirmed the 36-month no-interest promotion at the time of purchase. Because of this clear assurance, we decided to proceed with the purchase. However, after only * * 26 months * *, the credit card company began demanding payment of the principal and charging interest, which contradicts the original representation. I have already paid the full principal amount of * * {$22000.00} within what should have been the 36-month promotional period * *. I am requesting that the credit card company remove all interest charges ( {$15000.00} ), as I believe the promotion was misrepresented and consumers should not be penalized for relying on the information provided at the time of purchase.

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a credit balance of {$3600.00} on my Wells Fargo XXXX XXXX Credit Card which has been on my account since XXXX of XXXX. Normally, credit cards will automatically refund you for any balance. When this didn't happen.... XXXX : I called the customer service line ( XXXX ) and requested Wells Fargo to refund the credit balance on the card. They said they would have to send a physical check that would take 7-10 days to process. XXXX : I had not received the funds and they were still showing in my account so I called back to check on the request and the agent advised there was no check request processed yet. She said she will re-enter the request and I will have to wait now 10-15 business days to receive the funds. XXXX : I didn't see any movement in my account so I called back again and talked to an agent. They advised me that my check had not been processed and they will open a " research request '' as to why nothing has taken place. XXXX : I called back again to check progress and it had been like I never called. Nothing has been done. I asked to speak to a " manager ''. No one with authority or information is available to speak to at all. They can only " put in a request ''. The next level agent I spoke with said she will put in a " complaint '' to Wells Fargo and someone will reach out in 10 business days now. XXXX : I called back to check up on the request and now they said they " can not process my request for a refund while the file is in " research ''. They have to wait for the research to be completed before making any further actions. So, I said basically " you can process my refund because you are too busy " researching '' why my request wasn't processed in the first place? Over a month ago? '' The agent said " I understand your point but there's nothing I can do ''. XXXX : I got an auto email saying someone will address my complain in 10 days XXXX : I got an email which said my case has been closed XXXX : I got an email that said it will be 10 days before some responds. Today I am making a complaint.

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 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I reached out to pay my balance and closed the TORRID card in roughly XX/XX/year>. I was on the line with the automated system who was not helping efficiently and I spoke to a representative. At this point it is after the same day cut off. I asked that this be addressed in the closing of the account and was told it would be. I am now being billed for late fees and late fees on the late fees. It has also been reported to my credit report I believe in accurately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OK

Complaint narrative:
My account was closed bc of suspected online gambling. Now i need a copy of my last years tax return so that i can file this year and i can not access it through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
The status of my XXXX XXXX loan was reported delinquent, however, I was not properly made aware that the account was due. I never authorized paperless billing & should have been mailed paper statements when the account was coming due ( E-SIGN Act ( 15 U.S.C. 7001 ) requires explicit authorization to opt in to paperless billing & I did not give that consent ). When my credit report showed the delinquency, I contacted the company immediately to pay the amount due & to find out why I hadn't been made aware of the payments that were due. The company said they did their due diligence by sending emails on 3 different dates. Those emails were not received by me, most likely in the spam box that is auto deleted every 30 days. They did admit to never sending paper statements to me even though my account showed that paper statements were the requested method of communication. The account is current & auto pay is set up. The account would not have been delinquent if I had received paper statements mailed to my home address. Because of the failure to be properly notified of the balance owed and due dates, I would like the delinquency to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is Amendment No. 2 supplementing my existing CFPB Complaints XXXX, XXXX, XXXX, and XXXX against Bank of America for the illegal foreclosure of my home at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, XXXX XXXX Case XXXX. Please link this to all four existing complaints. I am submitting the official Florida corporate death certificate for XXXX XXXX XXXX : DOCUMENT 1 XXXXXXXX XXXX XXXX COVER LETTER XX/XX/XXXX : XXXX XXXX Licensing Supervisor mailed via XXXX to XXXX XXXX XXXX XXXX confirming : " In view of the merger of XXXX XXXX XXXX with and into XXXXXXXX XXXX XXXX XXXX. effective XX/XX/XXXX, we enclose the Application for Withdrawal for XXXX XXXX XXXX Document No. XXXX and filing fee check number XXXX in the amount of {$35.00}. '' DOCUMENT 2 OFFICIAL FLORIDA WITHDRAWAL APPLICATION XX/XX/XXXX : Signed by XXXX XXXX XXXX XXXX Chief Financial Officer and Executive Vice President XXXX XXXX XXXX confirming XXXX voluntarily surrendered all authority to transact business in Florida. DOCUMENT 3 FLORIDA SECRETARY OF STATE RECEIPT STAMP XX/XX/XXXX : LED XXXX XX/XX/XXXX XXXX XXXX SECRETARY OF STATE XXXX FLORIDA. DOCUMENT 4 FLORIDA DIVISION OF CORPORATIONS PERMANENT RECORD : XXXX XXXX Status INACTIVE Last Event WITHDRAWAL Date XX/XX/XXXX. THE FORGERY : XXXX XXXX signed Assignment Instrument No. XXXX on XX/XX/XXXX as Assistant Secretary of XXXX 456 days after XXXX 's own XXXX told Florida that XXXX no longer existed. Nobody had authority to sign for XXXX. The Assignment is void. The foreclosure is illegal. BANKRUPTCY FRAUD : Bank of America filed documents in XXXX 's XXXX XXXX bankruptcy Case XXXX claiming legal ownership of XXXX 's home using the same forged Assignment. XXXX is gathering XXXX records and will submit them as Amendment No. 3. OCC Case XXXX has nine submissions on file as of XX/XX/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 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Toyota financial refused to work with me after me and a significant other separated. I did not have access to the accounts and started charging me additional fees for using their automated system that worked poorly and sometimes even had to speak with somebody over the phone and would charge me an additional fee. The first fee was XXXX and then if I had to speak with a representative would be XXXX dollars for years. I have recently understood that is against the law against the consumers act. I did not know this and this was happening forever. I fell on a desperate times one thing led to another and eventually they took my vehicle. I have recently found out that what they did was illegal by charging me extra fees on top of just trying to make my car payment and they would not open or separate my car from my previous partner. Ive informed them that what they have done is actually against the law that was weeks ago. I still not have heard back from them. They have destroyed my credit. I cant even get an apartment without a cosigner now I cant get a credit card to try and rebuild my credit. I miss company has financially crippled me. They also advertise a XXXX deferment payment and I got denied for that for whatever reason. And I would like to have my life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX to CrossCountry Mortgage in XXXX. My loan includes an escrow account specifically for the purpose of paying my annual property taxes. In XX/XX/XXXX, I discovered that my XXXX property taxes had not been paid, despite funds being collected in escrow for this exact purpose. As a result, my taxes are now showing as delinquent on my countys public records. This situation should never have occurred and reflects a significant failure in the loan servicing process. After multiple attempts to resolve this matter, ( see attached ) I have experienced an unacceptable lack of responsiveness and accountability. Since XX/XX/XXXX, I have contacted CrossCountry Mortgage multiple times ( see attached ) regarding this issue. Of those calls, only three representatives provided meaningful assistance, while another was merely cordial. One representative, whom I spoke with two different times, was dismissive and appeared unconcerned with the seriousness of the problem. During these conversations, I was informed that CrossCountry Mortgage uses a third-party vendor to handle property tax payments. However, customers are not permitted to speak directly with this department, leaving me unable to address or verify the status of a time-sensitive financial obligation tied to my property. Even more concerning, it appears that when my mortgage loan was transferred from XXXX XXXX to CrossCountry Mortgage, the necessary steps were never taken to ensure that my property tax bill was obtained and scheduled for payment. Because of this failure, my taxes went unpaid and are now publicly listed as delinquent. On XX/XX/XXXX, I was finally informed that a check had been issued to pay my county property taxes and I was provided a tracking number. However, as of XX/XX/XXXX, the envelope has still not been picked up by USPS. I was told the check was sent via priority registered mail, yet the tracking information shows it has not even entered the postal system. I also requested, 3 times, call from a manager between XX/XX/XXXX and XXXX of XXXX. Instead of receiving a call from management, the only response I received was an automated call requesting that I complete a survey. I have yet to receive a call back from a manager. In addition, I submitted two emails to the CEO who forwarded them to a XXXX that has provided no help. This level of service is unacceptable, particularly when CrossCountry Mortgage is responsible for safeguarding escrow funds and ensuring timely payment of property taxes. Because of this failure, I am now dealing with the stress, reputational concern, and potential financial consequences of delinquent taxes appearing on a public county website.

Company response to consumer: Closed with non-monetary relief