vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am requesting front and back images of all checks deposited into my Bank of America account ( ending XXXX ) for the period XX/XX/year> through XX/XX/year>. I have submitted this request twice through Bank of America customer service channels. On both occasions, I received blank pages with no check images included. These records are required for tax compliance documentation purposes. I am requesting that Bank of America properly retrieve and provide the requested check images or provide written confirmation that the images are unavailable along with their applicable records retention policy.

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 2026-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Company is holding XXXX XXXX check and has not been released. This issue is now been ongoing for XXXX months. They paid wrong XXXX XXXX and trying to charge me for those taxes as well as penalties, fees and interest for what is their error. On XX/XX/XXXX they received a check for XXXX that they still have not applied to our account.i have tried making contact with them XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX they said give them XXXX weeks and everything would be resolved and I would get a call by XXXX XX/XX/XXXX and they still haven't fixed this issue and no follow up!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage loan with Shellpoint Mortgage Servicing originated in XX/XX/XXXX. My first payment was due in XX/XX/XXXX, and I have made all payments on time each month since then. As of XX/XX/XXXX, I have made XXXX consecutive on-time payments. Despite this positive payment history, the mortgage is not being reported to any of the major credit bureaus. I contacted Shellpoint previously to report this issue and was told my concern would be reviewed, but the account still has not been furnished to my credit reports. This is causing harm to my credit profile because my credit report does not reflect an active, current mortgage that has been paid as agreed. I am requesting that Shellpoint begin accurately furnishing this mortgage tradeline to all major credit bureaus and confirm when the reporting will begin.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I sent a judgement proof letters to the original creditor which is Paypal credit ( synchrony ) on XX/XX/XXXX. That is around the time I was unable to continue to pay my credit debts. They didn't send a reply. Around XX/XX/XXXX I got a letter from a Law office called XXXX XXXX XXXX XXXX XXXX address is p.o. box XXXX XXXX Kentucky XXXX. I called them around XX/XX/XXXX asking for a hardship due to my judgement proof status. They said we don't do hardships and we will continue trying to collect even if you are judgement proof. I sent a second round of judgement proof letters to both XXXX and Synchrony XXXX XXXX XXXX and got no reply. I began to get advertisements from bankruptcy lawyers saying I was being sued in XXXX XXXX XXXX. Went online and Im being sued by XXXX and numerous other creditors that all know Im judgement proof. So I sent them another letter before the papers were served telling them I was reporting them for the threat and for continuing to try and collect on a debit that they cant recover. This can be constituted as harassment because they know they can collect yet they keep pushing the debt and actually have taken me to court. They failed to acknowledge my statue as being exempt under federal and state law. They violated my cease and desist by ignoring my request for a hardship by continuing collection efforts and failing to address my hardship. So in the mean time they got my letter in the mail and 3 days later I was served with court papers. now I have to go to court. Im pretty sure the last letter I sent that said I was reporting them made them mad.

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 2026-02-24 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: NY

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I initiated a balance transfer with Chase and did not see in the fine print that stated that all new purchases are subject to an interest charge. Having such an impactful policy only in the fine print seems deceptive. Multiple times each month I view card transactions on line and the interest fee is not part of this listing. I went multiple months paying my card balance in full, less the balance transfer, and accrued interest fees each month. I told the Chase to cancel my card due to this deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no involvement with these accounts and demand they be removed within XXXX days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi there, my name is XXXX XXXX. I booked my trip with XXXX XXXX in XX/XX/year> to go to XXXX for me and my daughter XXXX XXXX XXXX ( cruise XXXX, reservation ID : XXXX ). XXXX XXXX charged me {$1500.00} On XX/XX/year> I decided to cancel my trip due for safety reasons. I heard on social media, news and some of my friends that in XXXX are a lot of crime and violence against XXXX The gangsters posted banners threaten XXXX in vacation hot spots. I did not feel comfortable going to XXXX during this time. I had a fear for my and my daughter 's life. I spoke to XXXX from XXXX XXXX on XX/XX/XXXX at XXXX prior to my cancellation and he told me that i will be refunded for my trip full amount within one week so I felt comfortable cancelling with him. XXXX also asked me to pay a cancellation fee for the amount of {$1500.00} ( my bank of America debit card was charged on a same day : merchant information : XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX, my checking account number is : XXXX ) I asked him " Why do i have to pay a cancellation fee if already paid a full amount for my trip? I want to cancel it for safety reasons '' and his response was " it is necessary if you want to get a full refund form your trip and added no worries, in one week you will get ALL your money back including your cancellation fee. '' I also received cancellation email from him. I waited for a week but still did not get a refund. I called XXXX again and he told me that I have to wait XXXX billing cycles. On XX/XX/XXXX I got worried that I still did not get my money back. i decided to call XXXX XXXX again and spoke to a different agent. This agent told me that they have NO RECORD OF CANCELLATION AND THAT THEY NEVER CHARGED ME A CANCELLATION FEE. I realized that i was scammed. She suggested for me to call trip protection and submit a claim. XXXX protection plan refused to give me a refund. I decided to contact Bank of America. I submitted XXXX claims to the Bank of America on XX/XX/year> : the first claim is : XXXX ( XXXX XXXX ), it looks like I already got a refund from them and XXXX claim is : XXXX ( the one i was scammed ) The bank of America credited my money back but temporarily. I also called a Bank of America fraud department 3 times. Today I got a final letter from Bank of America that the credits for {$1500.00} was applied to my account will be removed on XX/XX/XXXX. I did not go on a cruise ( I never used their service ). I called to cancel it and the person from cruise ( XXXX ) promised me a full refund. I am really upset if i new I was not able to cancel my trip I would went on this cruise. My worries that this person will scam other innocent people. I am single mom and i am please asking for your help

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. 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 2026-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
It was already previously disputed, they agreed to removed and added account back Jefferson Capitol Sys Account number:XXXX XXXX XXXX XXXX XXXX Debt owed : {$160.00} Jefferson Capitol sys Account number : XXXXXXXX XXXX XXXX XXXX XXXX Debt owed : {$460.00} This account is not mines. Im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
On XX/XX/year> I received an email from Citizens One XXXX congratulating me on my approval for a line of credit that I didnt apply for. There was a whole multitude of fraud happening in my name at the time. I then got an email from XXXX thanking me for my order, which used this line of credit. I have tried again and again to dispute this and it is still showing up on my credit report. The XXXX purchase shows the name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/year>, I was looking to correct a problem with XXXX XXXX. Unfortunately, I clicked on a site that ( turned out to be fraudulent ) included a phone number to call. An " XXXX XXXX '' answered and he said there'd been " suspicious '' activity on my account. He had me go through several steps to verify my name, address and email address. He then asked if I had other online accounts that may have been targeted. I had an online XXXX account and he instructed me to log in and make purchases of gift cards to see if they would be redirected to another email address. I purchased a XXXX gift card and a XXXX card, each at {$100.00}. He asked me to do several other purchases but they didn't go through. The " tech '' assured me all purchases would be deleted, and the phone call ended. At the time, my PNC Bank called to inform me they'd block my checking account due to " suspicious '' activity. I explained what was happening and they warned me it was likely a scam. I told them to keep the block and I would go to the local branch the next day to replace my debit card as well as canceling my purchases. I also submitted a " cybercrime '' report to the FBI. However, the {$200.00} had already gone through based on my authorizing the purchases. The very next day, I replaced my bank card and went through all my online accounts to change passwords and payment information. PNC Bank told me they'd look into my disputing the XXXX {$100.00} charges debited from my checking account. Eventually I received a letter from PNC that stated they would not credit my loss due to the scam. I told them they had all the information and notes as to what was occurring and why I'd made those purchases. I appealed their decision and in time, received another letter stating they would not credit my loss. I phoned PNC and spoke to a representative who informed me PNC used the merchant 's statement indicating I'd made the purchases. However, as I explained, the bank ignored my being scammed, the canceled purchases, as well as my account being blocked by PNC and the notes regarding the situation made by the PNC representative with whom I'd been speaking that day. Needless to say, being a XXXX XXXXXXXX, losing {$200.00} was significant for me. I was greatly disappointed in PNC 's cursory " investigation '' as well as its decision to not reimburse my checking even though I'd been a customer with the bank for a number of years. I appreciate your attention in this matter- XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I have Sofi XXXX bank account ending in XXXX. XXXX owe me {$9.00} but still for no reason tried to take out more money from my sofi savings account on XXXX XX/XX/year> ( {$30.00} ) - that failed it seems and then tried once again on XXXX XXXX XXXX was successful. On XXXX website it shows Your last payment of {$30.00} was returned on Mon XX/XX/year> and could not be processed. Please contact your bank or account XXXX to ensure your payment goes through. If you have received confirmation of payment, please disregard. Both XXXX and Sofi are denying this. Either of them has stolen my money. So, XXXX XXXX or Sofi has stolen my {$30.00} I am going to write to my senator and house of representative about it and going to media about this matter. I am XXXX years senior and also going to file the police report. Both XXXX and Sofi- are sending me in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ASSOCIATED BANC-CORP
State: MO

Complaint narrative:
My wife and I, are XXXX and retired and living on a fixed income, started an online shoe business XX/XX/XXXX. Unfortunately, we have face significant financial challenges, including falling behind on our mortgage and homeowners insurance payments. XXXX. Investment Loss XX/XX/XXXX, we had invested over XXXX XXXX from our savings and XXXX accountant our business, which ultimately did not yield the expected returns. XXXX. Forced Coverage In XX/XX/XXXX the bank purchased forced homeowners insurance for our property at a cost of XXXX. Our previous insurance was approximately XXXX. XXXXEscrow Adjustments XX/XX/XXXX we secured our own insurance again, and the bank credited our escrow account XXXX, reflecting a XXXX month adjustment from the forced coverage insurance.However, they also decided to start escrowing payments. We never had escrow before. So our mortgage went from XXXX XXXX to XXXX which included XXXX escrow. this was XXXX for escrow and XXXX for repayment of the forced insurance. XXXX. Property Taxes In XX/XX/XXXX the bank paid our XXXX property tax of XXXX which we were unable to pay. In XX/XX/XXXX they paid XXXX XXXX property tax. They also without consulting with us pay XXXX for new homeowners insurance despite XXXX already covering approximately XXXX with the insurance company as agreed. XXXX. Recent Escrow Statement In XX/XX/XXXX, we received a new escrow statement raising our monthly payment to XXXX, which includes XXXX for escrow and XXXX for shortage payments. The principal and interest were reduced to XXXX being adjustable. Our proposal Given our situation as seniors on a fixed income, we would like to propose the following : XXXX. Continue Paying Our Own Insurance- we wish to to maintain our own insurance, which would reduce our cost to XXXX XXXX For Forced Insurance : We request that the insurance Company refund the bank for the XXXX that was paid for for the forced insurance without our consultation. XXXXAdjusted Monthly Payments : We propose to continue paying the same principal and interest along with a shortage fee for the XXXX property tax that the bank paid for XXXX this would reduce our payment to XXXX per month. XXXX. We would also propose to pay the bank XXXX lump sum for the XXXX property tax payment they made on our behalf without consulting with us as well. In conclusion we believe this proposal is fair given our circumstances and the value of our home, which is approximately XXXX XXXX against a mortgage of XXXX. At this point we have not been late for the last XXXX months of our mortgage after many times falling up to XXXX days and XXXX time almost XXXX days late. We obviously can't go from XXXX to XXXX. Thank you for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take a timely and effective measure to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulation E. These actions have caused significance inconvenience and significance financial loss and

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX my account had two fraud charges : XXXX and XXXX, reported to XXXX and closed my debit card. XXXX XXXX reported to fraud dept all the details.... case ID XXXX I was charged XXXX overdraft fees on the fraudulent charges. I made a XXXX $ deposit early enough in day to cover the XX/XX/XXXX and any weekend transactions in time for processes. \ ( XXXX ). Was still charged due to the fraudulent pending charges. Now today XX/XX/XXXX i get another warning they are going to charge me another XXXX!!! Yea this is not correct, you cant charge me your astronomical fees on a cancelled debit card and Fraud occurrences. Please refund immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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