vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am filing this complaint against Midland Credit Management ( MCM ) for using deceptive and unfair methods in a pending debt collection lawsuit ( Case No : XXXX ). Specifically, I am challenging the XXXX 's failure to provide mandatory documentation required by Illinois Supreme Court Rule 280. XXXX. Failure to Provide Original Asset Schedule ( Chain of Title ) : The Plaintiff filed a Bill of Sale ( Exhibit XXXX ) which explicitly references an external electronic file, XXXX, as the document containing the specific account details. Despite my formal request, XXXX has failed to produce this original business record or any specific 'Asset Schedule ' linking my account to their purchase. Instead, they provided a generic 'Field Data ' summary ( Page XXXX ) created solely for this litigation, which does not constitute an original business record under Illinois rules of evidence. XXXX. Unverified and Excessive Interest Charges : I dispute the accuracy of the balance of {$2200.00}. Plaintiffs billing statements show a massive interest charge of {$500.00} applied on XX/XX/year>. Plaintiff has refused to provide a day-by-day itemized accounting to verify that this interest complies with the original credit agreement 's 'daily balance method '. XXXX. Use of Deceptive Affidavits : Plaintiff has provided a 'Portfolio Level Affidavit ' ( Page XXXX ) signed by an individual with no personal knowledge of my specific account, appearing to engage in the 'robo-signing " practices previously addressed in settlement agreements with the Illinois Attorney General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Alliance Collection Agencies, Inc.
State: NC

Complaint narrative:
Alliance Collection Agencies, attempted to withdraw unauthorized funds from my account via a electronic check they created. I have never heard of Alliance or aware of the debt the are attempting to collect on. The larger problem is that that they or using an address that I no longer reside and and attempting to withdraw from a new account that was open in my name by XXXX XXXX XXXX XXXX on XX/XX/year> by what I have been told by law enforcement through a method called " scrapping ''. The Bank has closed the account, marked it as fraud and I am taking all legal steps to halt any further attempts, including filing a police report, contacted all credit agencies and taking other action that could result in any losses for a debt payment I am not aware by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is requiring me to download their app on to my personal phone in order to make purchases with my credit card online. I do not want their app which is why it is not installed on my personal phone. When attempting to make a purchase online, Capital One stops the transaction and notifies me of a requirement to " verify '' my identity. This verification process is locked behind an app. I called them to verify my identity and inform them of the issue. They would not resolve it despite me verifying my identity over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I've sent my money to scammers from my Coinbase account. First transaction - XX/XX/year> Last transaction - XX/XX/year> I've sent the Coinbase Alternative Dispute Resolution letter. XX/XX/year> I didn't get any response from them. I've sent them a Follow-Up letter. XX/XX/XXXX. 2025 I didn't get any response from them. I've sent them XXXX more Follow-Up letter. XX/XX/year> I didn't get any response from them. I've traced my crypto assets, and I found that Coinbase is a crypto beneficiary exchange. I've sent them another Alternative Dispute Resolution letter. XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
I ordered a large amount of shoes for my kids and birthdays.Shoes never came.I contacted cashapp they stated that they said they was sent. Come on now selling brand XXXX, XXXX and more for XXXX I should of known

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
capital one allowed someone to open multiple accounts in my name over the phone. i dont know how this is even possible without copy of ID or Social security card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: MO

Complaint narrative:
My sister received an email from a debt collection company that included details such as our account number, amount, debtor, and reference number. In my understanding a debt collector can only contact a family member to try to get contact info. This was incredibly uncomfortable as my sister and i have been estranged for years. She forwarded me the email, i am sure confused as to why she received it. The debt in question was originally through XXXX XXXX. Last year when we went to get our mortgage we were going to pay it off, even though we don't agree to owing them anything. We had them for over 20 years without incident, until we moved and had to change providers. When i was on the phone with the company to pay them off they refused to take it off our credit report. So why would i pay them? It did affect our mortgage rate so i reaffirmed my original position and once again refused payment. Many companies have tried to collect and have failed. My husband and i have both been called repeatedly by them all, even after asking them to stop. I stopped answering the phone if i didn't know who was calling. So did my husband. When Jefferson Capital Systems LLC contacted my sister by email and gave out our personal info without our consent they violated our rights under the FDCPA. That is what prompted this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: MD

Complaint narrative:
Cashapp closed my account saying that I violated their terms. I asked how I violated their terms and they provide no proof. First of all of they accuse XXXX of something that is not only against their terms but AGAINST THE LAW and such an accusation should be followed with ironclad proof when you accuse a law abiding citizen of breaking the law. As I said in my last complaint ( XXXX ) I only used my Cashapp for LEGAL purposes. I can prove every single transaction and for them to be able to close both of my accounts for NO LEGITIMATE reason is abhorrent. I am an owner of several LEGAL businesses, I run a non profit organization and I am a parent. Cashapp is wrong and they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have overdraft protection with they still charge me for and dont post to charge me for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TN

Complaint narrative:
I am filing this complaint because U.S. Bank is refusing to honor a XXXX sign-up bonus despite my compliance with the spending requirements based on information provided in their official mobile app. My U.S. Bank mobile app explicitly states my " Account Opening Date '' as XX/XX/XXXX. Based on this official information, I calculated my XXXX window to end on XX/XX/XXXX. I have spent more than {$4000.00} within this timeframe to meet the bonus requirement. However, upon contacting customer service, I was told that my actual account opening date was XX/XX/XXXX ( the date of initial approval ), and that my XXXX window had already expired. This discrepancy occurred because my first card was never received and had to be reissued, leading the app to display the later date ( XX/XX/XXXX ) as the opening date. ( proof -screenshot of app showing XXXX as the opening date- attached ) I relied on the information provided by the bank 's XXXX official platform to manage my spending. The bank provided misleading information which led to this dispute. I have fulfilled the {$4000.00} spending requirement based on the date shown in the app. But the company refused to provide the reward.

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 2026-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
In XXXX, I completed a COVID Partial Claim Loan Modification. While in the process of refinancing in XXXX of XXXX, my title company requested a payoff from my current VA mortgage holderthe VA for my Partial Claim, which they hold the lien on. We discovered that the Partial Claim lien was recorded, but never entered into the VA system by the then-lienholder XXXX XXXX XXXX Neither the VA or XXXX could provide a simple payoff. Both of these entities were culpable in elongating the timeline of my refinance and incurring more cost and hardship on me and my family ( have had to extend the lock on my refinance rate XXXX and may have to again, which would incur over {$10000.00} in fees ). XXXX sold the mortgage which eventually was sold to Fay Servicing, who the VA identified had responsibility for servicing the primary VA loan and the Partial Claim. The VA executed paperwork with Fay Servicing to pass the Partial Claim lien to them so they could provide a payoff to my title company. It has been XXXX week since the paperwork has been in Fay 's hands and they are now stating it will be an additional month for them to provide a payoff. I need assistance with getting Fay 's to provide a payoff immediately or I will be unable to complete my refinance and will have to possible declare bankruptcy. The responsibility all falls on the original servicer XXXX and the VA, but Fay 's is not providing any help whatsoever with the situation. The Fay Servicing escalation supervisor, XXXX XXXX has not returned any of my XXXX calls I have made to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
XXXX XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I submitted a XXXX XXXX XXXX XXXX XXXX application after my school was determined to have engaged in misconduct. The lender approved the discharge and cancelled the remaining balances on my private student loans. After approval, the servicer issued a refund only for payments made during the review period ( approximately {$3000.00} ) and retained approximately {$52000.00} in payments made prior to the application date. XXXX confirms my private loans were discharged due to school misconduct, meaning the debt was invalid. However, they retained over {$52000.00} in payments while refusing to explain how refund amounts were calculated, stating the criteria is confidential and proprietary. I contacted the company requesting a detailed accounting explaining how the refund amount was calculated and why payments made on a loan determined to be invalid due to school misconduct were not refunded. On XX/XX/year>, the servicer responded that refund determinations are based on confidential and proprietary criteria and would not provide an explanation or issue additional refunds. Because the loan was discharged due to school misconduct, I believe payments collected prior to the application date require justification. The company has refused to provide documentation showing how the retained amount was determined or why those payments were not eligible for refund. I am requesting regulatory review because the company has not provided transparent or verifiable information regarding the handling of payments on a loan they determined should be discharged. A lender can not both invalidate a loan due to misconduct and retain consumer payments without a transparent basis. This creates an unjust enrichment situation where the lender benefits from a loan they acknowledge should not have existed. I am requesting review for unfair, deceptive, or abusive practices, as the company has not provided a verifiable justification for keeping payments made on a loan determined to be improperly originated. I request a full accounting of refund calculation methodology and reimbursement of payments collected on the invalidated loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MN

Complaint narrative:
Ed Financial refuses to remove the late payments from my wife 's account due to lack of communication by the company. I am currently protected under XXXX due to XXXX XXXX military status and have requested that the benefits be applied to my wife 's account and they have stated numerous times that it is not company policy to extend that benefit to Dependents. It clearly states that Dependents are anyone who you have contributed XXXX % or more to them over the past XXXX day which I have and my wife does qualify. I will be taking legal action as well. I would like all communication between you and ED Financial to be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
Never received a dunning letter, cure default nor a validation of debt from company trying XXXX collect. Also, this debt is XXXX XXXX XXXX XX/XX/year> which I never opened. Shows no payment history on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
Hello, I am writing to request a review and reinstatement of my Cash App account. My account was closed recently in XXXX with the notice that it violated terms of service. I have reviewed the terms and can find no issue with my activity. I was never given any warning or details about the alleged violation so I can understand and address any misunderstanding. I request escalation to a compliance specialist or human reviewer. Cash app seems to be using AI for its support and auto banning those that it " thinks '' could be violating a term but does not research or verification to confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: NC

Complaint narrative:
LoanCare canceled my trial payment plan despite proof of a scheduled payment attempt. I scheduled my XXXX payment on XX/XX/XXXX and have proof. The payment failed due to an outdated ACH account I did not knowingly authorize, and I was never notified of the failure or given an opportunity to cure. I was told by the Loancare XXXX I was suppose to go Into the settings on the payment and change my bank account information prior to scheduling payment which I was not aware of. I tried to pay the day I spoke to the representative. LoanCare now states foreclosure is the only option, despite my continued willingness and ability to pay. I am requesting reinstatement of the trial plan or continued loss mitigation review.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
My loans were serviced by XXXX before being transferred over to Aidvantage. I was in the XXXX plan and after that was discontinued, I applied for XXXX as instructed on XX/XX/XXXX. It took them a long time to process my application and they even placed my account in forbearance on XX/XX/XXXX while I extended the time to actually process my application. Here 's the recent series of events. XX/XX/XXXX - I receive a document informing me of an update to my payment schedule with the next payment for {$200.00} due on XX/XX/XXXX XX/XX/XXXX - I submit a payment of {$130.00} to offset interest, even when no payment was due XX/XX/XXXX - My statement shows : Past due amount - XXXX Payments since last bill - {$130.00} Current amount due : {$200.00} Due date : XX/XX/XXXX XX/XX/XXXX - I submit a payment of {$200.00}, early. XX/XX/XXXX - I'm notified my XXXX plan is approved with a document dated XX/XX/XXXX ( but was not shared until the morning of XX/XX/XXXX ) Amount due : {$210.00} Plan start date : XX/XX/XXXX XX/XX/XXXX XXXX minute later, I receive another document also dated XX/XX/XXXX that states : " As of XX/XX/XXXX we havent received your payment that was due on XX/XX/XXXX. To resolve our delinquency, send the past due amount of {$130.00} or give us a call to work out a solution. See below for a breakdown of the loans in this payment. '' I called customer service at XXXX and spoke with XXXX, she repeated the information on my account but could not direct me to any statement that would indicate why I owed this amount. When she returned to the call after some time researching, she said I should ignore the XX/XX/XXXX date, and that this amount past due was from not paying in XXXX. I informed her I made a payment XXXX business days prior for {$200.00} but never received any statement for a payment due in XXXX. She could not direct me to a statement in XXXX. She advised after some time this would be escalated for investigation internally and I should receive an answer about it by XX/XX/XXXX. She said she could not confirm any call identifier or ticket number or anything else to identify this case, request or escalation. Never in XXXX or the entirety of XXXX was I ever informed of a past due payment and now my account is in delinquency, in error - I believe. This is causing a lot of stress and confusion for me, as I have taken great efforts to ensure I'm offsetting accumulating interest and following the necessary steps in the transition from XXXX to XXXX. I am an intelligent person, XXXX XXXX XXXX XXXXt XXXX what a process this convoluted would be like for the average XXXX. I'm disappointed in the lack of transparency by Aidvantage and their mismanagement of my Federal Student Loans in repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: SC

Complaint narrative:
United Wholesale Mortgage is reporting a XXXX late payment on my XXXX mortgage account. This information is inaccurate and appears to have been reported during a mortgage servicing transfer. The servicing transfer to the new servicer occurred on or about XX/XX/year>. During the transfer period, payments and account reporting were in transition between servicers, and delinquency information should not have been reported incorrectly as a result of the transfer. This inaccurate late payment reporting has negatively affected my credit report and caused issues with consumer screening. I have disputed this error and requested that the company investigate and correct or remove the inaccurate delinquency status being furnished to the credit bureaus. I am requesting that the company update my credit report to reflect accurate payment history and ensure no improper late payment is reported from the servicing transfer period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation