vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I was enrolled in the SAVE plan and now being pushed to another plan. However, the correct payment terms and monthly payment fees can not be determined. Thus making it impossible for me to change plans. Interest has been accruing since XX/XX/year> and there is no avenue for me to continue payment. I trusted to government and made longterm financial plans around the SAVE payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
IQ DATA INTis falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA INTis 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 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: AR

Complaint narrative:
Multiple collection agencies are attempting to collect on the same fraudulent account for the same credit card companies & they are reporting negatively on my credit report. I have disputed the account repeatedly. I was part of a major data breach and this was a result of my info being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
United Collection Bureau previously responded to CFPB Complaint No. XXXX, which is now closed. In their response, UCB admitted that it does not own the alleged debt and claims only to be a contracted business associate. 

Despite this admission, UCB failed to provide competent evidence that the debt belongs to me, that I incurred the obligation, or that it has lawful authority to collect or furnish this account. An itemized statement from a third party does not establish ownership, liability, or authorization to collect. 

After notice of dispute and the prior CFPB complaint, UCB continues to furnish and/or attempt to collect unverified information, constituting a failure to conduct a reasonable investigation and continued reporting of disputed, unsubstantiated data. 

These actions violate 15 U.S.C. 1692e, 1692f, 1692g ( b ), 1681s-2 ( b ), and 1681e ( b ), and established case law including XXXX XXXX XXXX XXXX XXXX .

This complaint is based on UCBs post-response conduct and failure to cure deficiencies identified in the prior CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this rebuttal in response to Citibank, N.A.s letter dated XX/XX/year>, issued by its Executive Response Unit in connection with my CFPB complaint.

While Citibank states that it has determined that the funds remaining in the account do not belong to you, the response provides no factual explanation, legal basis, or documentation supporting this conclusion. The banks letter relies entirely on a conclusory statement without identifying : 1. The specific legal authority or contractual provision under which Citibank claims the funds do not belong to me ; 2. Whether the funds were allegedly subject to a third-party claim, reversal, fraud determination, government levy, or other legal process ; 3. The disposition of the funds ( e.g., returned to a third party, escheated, held, or transferred ), or 4. Any notice previously provided to me explaining such a determination. 

Although Citibank cites its right to close accounts under the Deposit Account Agreement, account closure alone does not resolve or negate the ownership of funds lawfully deposited into the account. The banks response does not explain how or why ownership of the remaining balance was extinguished or reassigned.

Furthermore, Citibanks refusal to provide any internal records or explanatory information absent a subpoena effectively prevents meaningful dispute resolution and leaves the consumer without any way to understand or challenge the determination being asserted. 

I respectfully request that the CFPB require Citibank to : Clearly state the factual and legal basis for its determination that the funds do not belong to me ; Identify the category and disposition of the disputed funds ; and Confirm whether any third-party claim, governmental action, or reversal was involved.

Absent such disclosure, Citibanks response remains incomplete and insufficient to resolve this matter. 

Thank you for your continued assistance and oversight. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA 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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I am submitting this complaint regarding my attempts to resolve a closed American Express credit card account through a reasonable lump-sum settlement. 

The account was closed in approximately XX/XX/XXXX. Since that time, I have made multiple attempts to work directly with American Express to resolve the balance due. Beginning in XXXX and continuing into XXXX, I contacted American Express by phone on several occasions to request a hardship-based lump-sum settlement. 

During these calls, I explained that I was experiencing financial hardship and that I was trying to responsibly resolve my outstanding debt. I offered to make a one-time lump-sum payment using available funds. Despite these efforts, I was repeatedly told that settlements were not available and that only full payment or payment plans would be considered. 

At no point was I provided with clear written settlement options, hardship programs, or escalation pathways. I was also not directed to a dedicated hardship or recovery department that could review my situation in more detail. Each time I contacted the company, I received inconsistent or limited information and no meaningful resolution. 

I have acted in good faith by proactively contacting American Express, attempting to negotiate, and demonstrating a willingness to pay a significant portion of the balance. My goal has been to resolve this account in a responsible manner and avoid prolonged delinquency. 

I am requesting that American Express fairly review my financial hardship and settlement request and provide a reasonable opportunity to resolve this account through a lump-sum settlement or alternative hardship program. 

I believe that my repeated efforts to resolve this matter have not been adequately considered, and I am requesting assistance in obtaining a fair and transparent review of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and found several accounts and entries that are inaccurate, incomplete, or unverifiable. I previously disputed these items and requested verification ; however, the credit reporting agency continues to report the information without providing proper validation or documentation.

The inaccurate reporting is negatively impacting my credit profile and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to ensure maximum possible accuracy and conduct a reasonable investigation. These obligations have not been met.

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 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
Planet Home Lending wrongfully foreclosed on my home while my loss mitigation application was actively under review. Beginning in XX/XX/XXXX, I submitted multiple complete requests for mortgage assistance. Planet Home Lending accepted my documentation but never issued a written decision, denial, or notice of appeal rights. 

I did not receive any notice of foreclosure sale, acceleration, or opportunity to cure. I learned of the foreclosure months later through a third party. 

On XX/XX/XXXX, Planet Home Lending acknowledged receipt of my written inquiry regarding these servicing errors. As of XX/XX/XXXX, Planet Home Lending has failed to provide a substantive response within the time required by 12 CFR 1024.35 and 1024.36.

The foreclosure resulted in substantial equity loss, destruction of rental income, and severe credit harm.

I am requesting CFPB enforcement action and written corrective relief.

Relief Requested : Written findings and correction of servicing errors Removal of foreclosure-related credit reporting Compensation for damages Regulatory enforcement review Fair Resolution Requested : Monetary compensation in the amount of XXXX XXXX XXXX XXXX XXXX Dollars, reflecting documented damages including : Loss of substantial home equity due to wrongful foreclosure Destruction of an established rental income business Conversion and loss of personal property Severe and ongoing credit damage Statutory damages for RESPA and Regulation X violations Enhanced liability resulting from failure to respond to a written notice of error within required timelines In addition, I request full correction of credit reporting, written findings addressing servicing violations, and regulatory enforcement review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My Zelle was cancelled. 
My Zelle service was unexpectedly cancelled, and as a result, I am unable to send or receive money through my XXXX  XXXX XXXX account. I contacted Zelle directly, but they have refused to provide any explanation for why my account was cancelled or why transfers were stopped. 
Zelle is a service offered through XXXX  XXXX XXXX to facilitate receiving and sending money. There was no warning, no notification, and no stated reason for this cancellation. Zelle has declined to share any details regarding their decision. 
Without access to this service, I am unable to pay for essential services such as cleaning, plumbing, home repairs, and other daytoday needs, including personal services like hair and nail appointments. 
I am requesting that Zelle restore my access to the service immediately and provide a clear explanation of why my account was cancelled so this issue can be prevented in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
Flagstar compromised my personal documents by adding a unknown and unfamiliar name to my 2025 year tax statement-1098 of XXXX XXXX XXXX I dont know a XXXX XXXX and have never heard of this name. I dont understand how this occurred and no one has reached out to me to explain.

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 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: MD

Complaint narrative:
Funds deducted from my account although Im currently in the middle of an active bankruptcy and Dave was informed and provided with my bankruptcy case number. I reached out a few different times to refund the funds they drafted from my account, was told that the matter was being escalated. I did receive one email for the bankruptcy information, but no further action was taken. When I followed up regarding the email, the representative stated that the matter was being escalated. Now account is suspended so I cant contact customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am submitting this complaint regarding improper debt collection and inaccurate credit reporting by Southwest Credit Systems. 

Southwest Credit Systems is attempting to collect and/or reporting an alleged debt without providing proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have disputed the alleged debt and requested validation, including proof that I am legally obligated to pay, proof of ownership of the debt, and a complete chain of title from the original creditor. 

To date, they have failed to provide sufficient documentation to validate the debt. Despite this, the company has continued collection activity and/or continued reporting the account to consumer reporting agencies while the debt remains disputed. 

Reporting an unverified or disputed debt and continuing collection efforts without proper validation is misleading and constitutes improper collection practices. 

I am requesting that the CFPB require Southwest Credit Systems. to either : Cease all collection activity and delete the account from all consumer credit reports if validation can not be produced. 

I request that the CFPB investigate Southwest Credit Systems debt collection and reporting practices for compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: OH

Complaint narrative:
XX/XX/XXXX certified payment made in full at XXXX. 
XX/XX/XXXX called westlake portfolio management to realize the vehicle, they said they couldnt send release until payment processed. 
XX/XX/XXXX called westlake and demanded vehicle be released because payment was sent in full, they still havent sent the releases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Product : Mortgage Complaint : Loan assumption excessive delay / lack of transparency Company : JPMorgan Chase Bank , N.A . 

Complaint summary Chase Bank has excessively delayed my mortgage loan assumption with no clear status, timeline, or accountable point of contact. The process has been ongoing since XX/XX/XXXX, and remains unresolved despite repeated follow-ups and escalation through Chase Corporate.

Detailed description I initiated a loan assumption application with Chase on XX/XX/XXXX, and submitted all documentation requested. Since that time, Chase has not provided confirmation of the applications status, identified remaining underwriting steps, or given a timeline for a decision. 

I escalated this to Chase Corporate on XX/XX/XXXX. With no resolution. 

Communications from Chase have been limited to the apparent fumble from one underwriter to the another and multiple requests for expired documentation already provided There is no identifiable owner of the process, and follow-up inquiries do not result in resolution. This suggests a broken internal review process rather than an issue with the application itself.

Chase has performed 3 hard credit pulls during the course of this ongoing, 11-month mortgage loan assumption. Subsequently, my credit dropped from XXXX to XXXX ( as of XX/XX/XXXX ). I meet all XXXX XXXX mortgage requirements to assume this loan. 

The delay has exceeded the 90-day requirement set forth under my divorce decree governing this mortgage loan assumption, placing me in contempt of court. The 90-day timeframe was determined conservatively sufficient by industry standards for loan assumptions ( 60 days for conventional loans and 45 days for government backed loans ). Chase Banks ongoing inaction is causing legal and financial distress, damaging my credit, and prevents finalization of housing and financial arrangements. 

Moreover, Chases failure to act creates economic pressure to abandon the assumption and refinance with a different bank at a materially higher interest rate despite contractual eligibility for assumption with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/year>, I received a call that was labeled on my XXXX as Wells Fargo. They used the entire Wells Fargo script and somehow had access to my phone. They sent texts messages as Wells Fargo, even in confirmations. The hacked through my XXXX account and we have proof they did. Wells Fargo only interviewed me right after it happened and did not hear my side of the story and denied my claim on multiple levels claiming that I gave the fraudster access by double clicking my device. Which I didnt do. My wife even called our local WF branch as the hack was happening to get help because they had total control on my device. I have always been careful with my device and passwords and have never let anyone use my device. WF still claims I was at fault, even though the entire interaction was represented as Wells Fargo with no way for me to know otherwise. This also happened to a business associate of mine. I spoke to our local branch manager and the manager who took my wifes call that day and tried to help. We provided proof that they hacked my XXXX account and phone and even left their email on their which I provided proof of, as well as screenshots of what the call looked like that my friend had because he knew about my situation and took them quickly when they called him as WF. Even with proof of what the scam was doing and they had their calls labeled as WF, and proof they hacked my XXXX account and changed the email, they would not listen or help and blamed me, even though I had no control of my device, the transaction, the call, etc. I have exhausted all options, even with the support of my local branch, and I dont know what else to do. I did not, at any point, give any information out, nor did I authorize anything on the call, and they still will not reimburse anything. They stole {$10000.00} from me through my WF savings and checking. I also filed a police report, soon after.

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