vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
I opened an account with XXXX to set up a crypto currency account with minimal funds to just test out the market. I have not used the acct in a couple of years. Recently I was noticing emails stating my account was logged into, so I attempted to login to check the account and could not login. Did not want to reply to any of the emails ( there was more than one ) so when I could not access I contacted XXXX support directly with the issue. They said I would have to send personal info and a current photo -- no other entity has eer asked for this, continued to try to work thru getting login reset but they refused, and I said well close my account and send refund of balance, and they said they do not send money back- they just keep it. I have ALL the email communications if needed. I noticed online there are several complaints and legal issues with this company, told them I was aware of that but it did not matter. They will not let me in my account or close and refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
This complaint is related to a previous CFPB complaint I filed regarding my mortgage account. 
Although the servicer responded at that time, I never received a clear written accounting of my payments, escrow activity, or confirmation of whether any overpayment was made. 
I am requesting a full payment history, escrow analysis, and written confirmation of how each payment was applied, whether any overpayment exists, and whether any refund or credit is owed to me. 
If an overpayment is confirmed, I request that it be refunded to me or properly applied to my loan balance. 
I am requesting a detailed written explanation with dates, amounts, and calculations. 
This issue remains unresolved from my prior complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BILL.COM, LLC
State: TX

Complaint narrative:
I am filing this complaint against BILL ( Divvy ) for an improper refund process and an administrative lockout. 

On XX/XX/year>, I was double-charged {$280.00} ( Total {$560.00} ). Divvy attempted to refund only {$280.00} to a closed XXXXXXXX XXXX account rather than the Current account used for the transaction. 

Furthermore, Divvy has suspended my account, which prevents me from updating my email address or viewing my transaction history. I am currently unable to receive any status updates or " Confirmation of Refund '' emails because they are being sent to an old address I can not change.

" I am further disputing the charge of {$280.00} on the gro

unds of Services Not Rendered. Not only was this a duplicate transaction processed in error, but the merchant ( Divvy/BILL ) ha
s failed to provide any product, service, or credit to my account balance in exchange for these funds. The merchant is currently in possession of {$560.00} of my money while providing XXXX value in return. 

Furthermore, by suspending my account and locking me out, the merchant has made it impossible for me to utilize any potential services or even view a ledger of my payments. This constitutes a total failure of service and a violation of consumer fair billing practices. '' By suspending my account while holding my funds in limbo, Divvy is preventing me from exercising my rights to a refund. I request that Divvy : allow me to update my email.

Redirect the {$560.00} refund to my active Current account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
In late XXXX of 2025 I received a Cash App card in the mail for an account that I did not open. They had my correct first and last name but incorrect middle initial. I contacted Cash App via XXXX and they reached out to me by email. 

After their investigation, they confirmed in writing that there was " evidence consistent with identity theft concerning the unsolicited Cash App Card you reported. This correspondence confirms our findings that Cash App does not consider you the owner of the account associated with this unsolicited card. '' They stated " We have closed the account and Cash App card associated with your information. '' I also reported the identity theft at that time to identitytheft.gov. 

Unfortunately, I recently received a 1099-K to my mailing address and I believe issued under my social security number for that fraudulent account. 

I have attempted to contact Cash App through several means to request a corrected 1099-K reflecting {$0.00} income and mark this is fraudulent. I have tried to respond to the initial email chain but it gets an automated response that the case was closed because it has been more than 3 days. 

I do not have an account login for their app since it was a fraudulent account. I reached out to them by XXXX but and by phone but they refuse to assist me because I can not provide the Cash App handle or email associated with the fraudulent account - information I do not have because I did not open the account. The phone personelle refused to transfer me to a manager without the Cash App handle and refused to offer alternative ways to reach them or resolve the issue. 

The account is not tied to my actual email address. 
I offered to verify my identity with name, address, and SSN- but they also do not do that. 

In summary, they have acknowledged the fraud and confirmed I am not the account owner, yet they have reported income to the IRS under my SSN and are refusing to correct it. 

I am requesting - immediate issuance of a corrected 1099-k showing {$0.00} income. 
- written confirmation that the fraudulent account has been removed from tax reporting under my SSN - confirmation that the IRS has been notified of the correction. 

I have attached the written confirmation from Cash App acknowledging identify theft. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: PA

Complaint narrative:
On the morning of Wednesday XX/XX/year> I sadly lost my wallet and my phone. Whomever found it used one of my ( cashapp - XXXX XXXX  ) debit cards and made a few purchases. One extremely large purchase in the amount of {$3400.00} being spent. Unfortunately I didnt catch this immediately because I have another Cash App that I use more frequently which resulted in this going unnoticed for a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was alerted in regards to a fraudulent check by BofA, which was not cashed. 
Call1 : to report the checkbook stolen after viewing the images with Bofa. 
Call2 : I reported there were several fraudulent checks cashed earlier that went through, BofA froze my account, assuring me that no further withdrawals can be made. 
Call 3 : I notified about more fraudulent checks. They assured me no further withdrawals would be made from frozen account. 
Call 4- THERE ARE STILL CHECKS THAT ARE BEING CASHED, after it was frozen. I am unable to transfer the money out of my account, yet a fraudulent check is still being honored. 

They informed me that if further checks went through ( as they have repeatedly ), it may take my money from another account for overdraft protection. 

Each of these calls was very long. 

Any help is appreciated. I have been a loyal BofA customer for close to 40 years.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I have submitted several disputes with all 3 major debt companies and this company keeps saying that the debt is valid but refuse to show me documents where it is owed. They refuse to remove off my credit report

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 2026-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Weber & Olcese, PLC
State: KY

Complaint narrative:
I got a summons and I've been trying to contact the debt collector to no avail. Every time I call it rings and rings and rings goes to voicemail I leave a voicemail a very descriptive voicemail urging to call back in the voicemail it states that they will call back within 24 hours which has not happened at all I've called on multiple occasions multiple times of day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have just noticed that in the last year ( since XX/XX/XXXX ), and maybe even more, Citibank has been charging me monthly fees. This is a violation to the terms that I have agreed to when I opened the checking account, which was that as long as I kept the amount over {$1500.00}, the fee would be waived. And I have not received, nor agreed to, any changes in the terms of services. I have had this account since XXXX, and when I was opening it, the terms I was explained at the branch was clear, and it was that way for many years too. 

I wish a thorough investigation to this fraud and receive a full refund of any wrongful charges on all the months that I have had over {$1500.00} in my account but still was charged monthly fees, and a compensation. Since I was forced by Citi to close my account to avoid further charges, this should be done in cheque.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX  SC XXXX SSN ( last 4 ) : XXXX FORMAL DISPUTE & DEMAND FOR DELETION I dispute this account due to unlawful furnishing and lack of validation. 

VIOLATIONS 1. Failure to Validate Debt Violation of 15 USC 1692g and 12 CFR 1006.34 ( b ) ( 5 ).

2. Unlawful Credit Reporting No evidence exists showing lawful authority to report under 15 USC 1681b.

3. Inaccurate and Unverified Data Violation of 15 USC 1681e ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Complaint Summary for CFPB / Regulatory Filing Subject : Failure to recognize Successor-in-Interest rights and violation of 12 U.S.C. 1701j-3 ( d ). 
Background : The subject property was originally owned by my grandmother [ Grandmother 's Name ], the original borrower. Upon her death, her husband, XXXX XXXX, became the sole owner of the property and the XXXX in XXXX by operation of law ( Tenants by the Entirety ). Subsequently, XXXX XXXX transferred the property into an inter vivos living trust as part of his estate planning. 
The Dispute : Wells Fargo has repeatedly refused to recognize this trust transfer as an exempt transaction under the Garn-St. Germain Depository Institutions Act of 1982. The banks stated " final decision '' is that because XXXX XXXX was not the " original borrower '' on the promissory note, he does not enjoy the protections of the Act. 
Legal Argument & Regulatory Violations : The banks position is a misapplication of federal law and ignores the 2016 CFPB Mortgage Servicing Rules : 1. Recognition of Successor Status ( 12 C.F.R. 1024.31 ) : Under Regulation X, a person who acquires property via the death of a spouse or through " devise, descent, or operation of law on the death of a joint tenant '' is a XXXX in XXXX. Once confirmed, a successor must be treated as a " borrower '' for the purposes of mortgage servicing and federal consumer protections. 
XXXX. Exempt Transfer ( 12 U.S.C. 1701j-3 ( d ) ( 3 ) ) : The initial transfer to XXXX XXXX was exempt from acceleration because it occurred by operation of law upon the death of a tenant by the entirety. 
XXXX. Trust Transfer Protection ( 12 U.S.C. 1701j-3 ( d ) ( 8 ) ) : As a confirmed successor holding the legal status of a " borrower, '' XXXX XXXX subsequent transfer into an inter vivos trust is an exempt transaction. The Act prohibits a lender from exercising a due-on-sale clause for " a transfer into an inter vivos trust in which the borrower is and remains a beneficiary. '' 4. Failure to Respond to Notice of Error ( 12 C.F.R. 1024.35 ) : I have sent multiple Notices of Error. The bank continues to rely on a pedantic " original borrower '' argument that has been explicitly superseded by the CFPBs 2016 XXXX in XXXX rules, which mandate that successors be afforded the same rights as the original signer of the note. 
Requested Resolution : I request that Wells Fargo be compelled to : 1. Rescind their " final decision '' denying the transfer. 
2. Accept the transfer of the property into the XXXX XXXX XXXX as a protected, non-triggering event under federal law.

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 2026-02-16 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: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
I am filing this complaint because the company continues to attempt to collect an alleged debt and report it on my credit report despite my request for them to stop contacting me. I sent a cease-and-desist request instructing the company to stop communication regarding this matter, but they have continued their collection efforts. 

The companys actions have caused distress and concern, and they continue to report this account on my credit report. I am requesting that the company honor my cease-and-desist request, stop all communication with me, and remove this account from my credit report with all credit reporting agencies. 

I am requesting written confirmation that these actions have been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
I am disputing unexplained repossession-related charges connected to my auto loan serviced by XXXX XXXX and their recovery agent XXXX XXXX. 

My vehicle ( XXXX XXXX XXXX ) was repossessed and returned to me on XX/XX/XXXX. Beginning on that date, I repeatedly requested an itemized statement of all repossession-related fees. 

I requested itemized charges on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also sent a written request by email. 

Each time I contacted them, I was told they were experiencing system problems and could not provide the itemized breakdown. However, they were able to accept and demand payment while being unable to explain the charges. 

I was charged approximately {$750.00} in fees that no representative has been able to explain. The documents provided to me at vehicle release only show fees in the range of approximately {$45.00} to {$70.00}, which does not match the amount I was charged. 

I did not receive any paperwork that my car was up for repossession for my XXXX payment I called in on XXXX and advise the clerk that I will be making a payment on XXXX. She did not tell me anything about my account was past other the XXXX bill was due on XXXX. But she will notate the account that I will pay on XXXX. I paid the XXXX, XXXX and XXXX on a payment agreement as approved. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XX/XX/XXXX, two identical transactions of {$280.00} were debited from my Current account to the merchant " XXXX - XXXX '' ( Total : {$560.00} ). 

Transaction ID : XXXX Transaction ID : XXXX The issue is two-fold : Duplicate Processing : One charge was a technical duplicate. 

Services Not Rendered : The merchant has provided no services or products for either charge, and one was for a canceled order. 

I disputed this with Current on XX/XX/XXXX. They denied it on XX/XX/XXXX, claiming " no error. '' On XX/XX/XXXX, a representative named XXXX XXXX requested irrelevant documents like police reports and incarceration records. This proves Current is misclassifying a billing/mathematical error as an identity theft/fraud case. 

Under Regulation E ( 12 CFR 1005.11 ), the bank is required to investigate " incorrect electronic fund transfers '' and " mathematical/bookkeeping errors. '' Current has failed to perform a meaningful investigation of these duplicate charges. I am requesting a full reversal of the duplicate charge and a refund for services not rendered. 

Current is fundamentally misclassifying a billing and duplicate processing error as a " fraud/identity theft '' claim. Under Regulation E ( 12 CFR 1005.11 ), the bank has a legal duty to investigate " incorrect electronic fund transfers '' and " mathematical/bookkeeping errors. '' Current has failed to perform a reasonable investigation and is instead demanding documents that do not apply to a merchant billing dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was trying to sell a couch on marketplace. I got a message from a girl that wanted to buy it and pay with a XXXX business account. She said I would get an email to confirm her payment. The email had a phone number i had to call to confirm. The guy on the phone said I needed to combine my cash app account to my XXXX account. I told him I didn't know how to do that and he said if I shared my screen with him he would walk me through it. He had me put in different amounts of money to add to my account and the bank kept denying it. He had me put in {$1.00} and it went through so then he had me put in {$1000.00} and it was approved. He had me keep trying different amounts but the bank refused all the others. I kept telling him that something wasn't right and he kept assuring me my money was safe. He took the {$1000.00} out and said he would call me the next morning and my money would be back in my cash app account. He sent back {$30.00} and kept {$970.00}. I called cash app and sent a dispute that was denied and when I called them again they said to do an appeal. They denied that today

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing a complaint regarding Barclays Bank Delawares refusal to honor a targeted promotional offer on my Barclays XXXX XXXX XXXX XXXX XXXX XXXX. 

From XX/XX/year> through XX/XX/year>, Barclays presented a targeted offer in my online account stating that I would earn a statement credit based on eligible travel spending : {$25.00} for {$250.00} spend, {$50.00} for {$500.00} spend, and {$75.00} for {$750.00} spend. This promotion explicitly offers a statement credit, not XXXX XXXX points. 

I met the spending requirement by exceeding {$750.00} in eligible travel purchases within the promotional period. The qualifying travel transactions relevant to this complaint are as following : XX/XX/year> XXXX ( XXXX, DE ) : {$110.00} XX/XX/year> BKG * HOTEL AT XXXX : {$180.00} XX/XX/year> Hotel at XXXX XXXX : {$240.00} XX/XX/year> Hotel at XXXX XXXX : {$210.00} These transactions total {$760.00} in travel spend during the promotional period. 

Despite meeting the stated requirements, no statement credit was issued. 

I contacted Barclays customer service multiple times to resolve this issue. Barclays opened and subsequently declined multiple cases, including case numbers XXXX and XXXX. In each instance, Barclays informed me that they could not assist and instructed me to contact XXXX. 

This response is incorrect. XXXX does not issue statement credits on Barclays-issued credit cards and has no control over Barclays promotional credits. This was a Barclays-issued, targeted spend offer, and fulfillment responsibility rests solely with Barclays. 

During one phone call, a Barclays agent acknowledged that this was a Barclays-issued spend offer and agreed that the statement credit should be handled by Barclays. Despite this, the case was again denied without resolution. 

I am requesting that Barclays conduct a proper review of this targeted promotion and the qualifying transactions listed above and honor the offer by issuing the {$75.00} statement credit. 

I believe Barclays responses to date are dismissive and improperly shift responsibility to a third party that has no role in this promotion.

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