vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

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 ) XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CIBC BANCORP USA INC.
State: CA

Complaint narrative:
My Certificate of Deposit ( CD ) at CIBC Bank USA matured on XX/XX/2026. Since that date, I have been repeatedly blocked from closing the account and withdrawing the funds due to the bank 's systemic failures. XXXXTechnical Error : We attempted to close the account via the CIBC online XXXX portal on XX/XX/XXXX, but the system returned a persistent error message, preventing the transaction. Subsequently locked his account from logging in. XXXX. Accessibility Failure ( XXXX XXXX ) : We placed multiple calls to CIBC customer service to resolve the issue. However, representatives were unable or to provide a professional interpreter, not allowing my family member to interpret for me, as a result CIBC XXXX is unable to verify my identity. As a non-native XXXX speaker, I was denied a reasonable accommodation to access my own capital. XXXX. Improper Escalation : A formal grievance was sent to CIBCs XXXX on XX/XX/XXXX. On XX/XX/XXXX, we were contacted by the XXXX division of CIBC, who stated they had no access to the XXXX systems and could not help. Despite several follow-ups, no US-based representative has contacted us to resolve the matter. XXXX. Unauthorized XXXX XXXX : Today, XX/XX/XXXX, is the final day of the XXXX grace period. The bank is now poised to automatically renew this CD against my explicit written instructions, effectively holding the funds XXXX due to their own technical and accessibility failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: KY

Complaint narrative:
Applied for a home equity loan on XXXX was told we needed to pay {$500.00} to lock the rate that day and that our loan was approved for XXXX and we would get XXXX. My wife asked what happens to that money if something happens and our loan officer XXXX XXXX said on a recorded line if something were to happen he could get that money back. Was told we could close in XXXX weeks. XXXX XXXX XXXX home worth XXXX and we owe XXXX on our XXXX mortgage with Amerisave. Never been late. At end of week XXXX was told since home was listed on market last year ( was delisted XX/XX/year> due to no showings ) that we would have to go to another program. Was assured we were cleared and there was no other issues. Over the last XXXX weeks weve been sent disclosures for loan ants of XXXX and XXXX. Everytime its something different. Today we were called and told our loan was denied for the XXXX time because of it being listed last year. Even though we were told verbatim that they got it cleared and it wasnt an issue. We are now out {$500.00} to lock in a rate for a loan that apparently was never going to be approved. Also on XXXX set of disclosures it also showed they were going to take an additional {$500.00} for rate lock from our proceeds. My wife who used to do mortgage loans questioned it and our loan XXXX said oh we will have to fix that ( if my wife XXXX of questioned it I think they were about to get an additional {$500.00} ) After researching apparently the loan officers get a large bonus for how many people they get to lock in their rate on the XXXX contact. We were never even asked anything during the application process about our home ever being listed for sale. XXXX owned the home XXXX years. I feel we were misled all so a bonus could be made by getting our rate locked in. Also during the course of communication multiple times our loan XXXX would say things about the numbers being wrong on their end or that something needed to be fixed, etc. pretty sure these are predatory practices in place all for {$500.00} for loans they know they can not do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I am disputing a collection account reporting for XXXX XXXX XXXX in the amount of {$73.00} reported by Online Information Services. The account is being reported inconsistently across the credit bureaus. XXXX does not display a status or past due information, XXXX reports the status as creditor recently located individual, and XXXX reports the status as unpaid. These inconsistent reports indicate the account information is inaccurate and not properly verified. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers must report accurate and consistent information. Because the information being reported is inconsistent and unverifiable, I request immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Request for Debt Validation and Investigation To Whom It May Concern, I am submitting this complaint regarding a debt that has been reported under my name and that I formally dispute. I am requesting full validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I have not been provided sufficient documentation to verify that this debt is accurate, that the amount claimed is correct, or that the reporting party has the legal authority to collect on this account. Specifically, I am requesting : XXXX. The name and address of the original creditor XXXX. A copy of the original signed agreement or contract XXXX. A complete payment history, including how the current balance was calculated XXXX. Documentation showing the reporting XXXX legal right to collect this debt XXXX. Proof that the debt is within the statute of limitations Until proper validation is provided, I request that all collection activity cease and that this account not be reported to any credit reporting agencies. If it has already been reported, I request that it be marked as disputed immediately. I also request that your agency investigate this matter and require the reporting party to provide proper documentation or remove the account from my credit report. Thank you for your attention to this matter. I expect a written response regarding the outcome of this investigation. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
I am filing this complaint against LoanDepot regarding an unpaid escrow refund of {$1700.00} that I never received, despite repeated attempts to resolve since early XXXX. In XX/XX/XXXX, LoanDepot issued escrow refund check # XXXX, dated XX/XX/XXXX, in the amount of {$1700.00} for my loan # XXXX. This check was listed on LoanDepot 's own escrow summary. I never received this check. Loan details : Loan number : XXXX Escrow Refund Check Number : XXXX Escrow Refund Check Date : XX/XX/XXXX Refund amount : {$1700.00} Beginning in early XXXX, I have made numerous attempts to resolve this matter directly with LoanDepot, both by phone and by written correspondence. Despite these repeated contacts over the course of more than 7 years, LoanDepot has never responded to my inquiries, has not reissued the check, and has provided no explanation as to the status of these funds. I am requesting that LoanDepot immediately : ( 1 ) confirm the status of check # XXXX and whether it was cashed. ( 2 ) If the check was not cashed, re-issue payment of {$1700.00} to me immediately. ( 3 ) Provide a written explanation of why this matter has gone unresolved for over 7 years despite my repeated contacts. This is a straightforward matter involving funds that LoanDepot 's own records confirm were owed to me. The complete failure to respond to my repeated inquires over seven-plus years is unacceptable. I am requesting the CFPB 's assistance in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX contact XXXX and XXXX to have this inaccurate information removed from my credit report. ( Credit Coll - XXXX # XXXX - Balance {$0.00} ). Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a television through XXXX, using financing provided by Affirm. The television was scheduled for in-store pickup at XXXX XXXX. I picked up the television around XXXX XXXX XXXX. When I attempted to install the television on XX/XX/year>, I discovered that the screen was defective and broken straight out of the box. On XX/XX/year>, I returned the television to XXXX XXXX. XXXX XXXX accepted the return and provided me with a return receipt documenting that the item was surrendered. Since that date, I have not been in physical possession of the television. On XX/XX/year>, I contacted XXXX after noticing that Affirm was still charging my payment method despite the return. The XXXX customer service representative I spoke with was helpful and assured me the issue would be resolved and the return authorized. After that call, I received a confusing and contradictory email from XXXX stating that my refund was denied due to a failure to authenticate the request, despite my prior contact and the completed return. Because billing continued for an item I do not possess, I contacted my bank and paused payments to Affirm. Despite this, Affirm continued attempting to charge my card, including as recently as XX/XX/year>. I opened a formal dispute with Affirm and provided documentation, including the XXXX XXXX return receipt, proving that the television was returned and that I am not in possession of the merchandise. Affirm responded by stating they would not cancel the payment schedule, despite the evidence provided. I spoke with Affirm again on XX/XX/year>, informed them that I would be filing a complaint with the Consumer Financial Protection Bureau, and reiterated that I am disputing all charges related to this returned item. This complaint concerns continued billing for returned merchandise, failure to properly investigate a dispute, and requiring payments for an item that was defective and surrendered. I am requesting that the account be credited, billing stopped, and the matter formally resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
I was sent a loan check, i didn't ask for the loan but it was sent to me as a check, If I accepted the terms I would cash the check and then make my payments. On XX/XX/year> my Mom went to make my first months payment early and out extra money on the principal. The employee she spoke with and paid took XXXX $ and instead of putting the remaining XXXX $ dollars that remained on the principal she out it on next months payment and told my Mom she couldn't accept principal payments and she didn't know how. When my mom told me this I called Sunloan and told that lady their website said they did. I had to tell her where that info was on their own website. She kept saying she they didn't accept principal payments and she didn't have the ability to do so. After arguing she eventually said she would tell her supervisor or manager to call me. That person finally called and I explained what occurred and she said also they don't accept principal payments I had to tell her where to look also and she just kept ignoring the facts. I have both calls recorded and an AGs response where they also repeated the claim their website didn't say anything about principal payments. I sent the AGs office screenshots as proof and the AG office dropped my complaint for some reason. We did try to pay once and Sunloan said we couldn't as the accout was on hold. The local employee refused to accept XXXX $ + toward the principal and even though their website says it does they lied and claimed it didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around mid XX/XX/year>, I stopped into BMO branch on XXXX XXXX XXXX and tried to make a withdrawal. After many questions, I was denied access to my account due to the funds being on hold. My direct deposit has been going into my account over the past 15 years from the VA therefore my funds requested in the amount of XXXX should not have been denied or placed on hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Bitstamp USA, Inc.
State: FL

Complaint narrative:
I used a platform Called Bitstamp which is by XXXX which I already bank with. They have had my money locked and tied in their system since XX/XX/year>. When I reach out and complain they tell me to wait and it's been escalated. When I call they tell me the same thing. I just want ALL of my money and to be done with this.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Charles Schwab is holding my funds in bad faith. ( {$4000.00}. Cashed on XXXX XXXX ) The issuing bank ( XXXX XXXX ) has confirmed the check is valid and the funds have been successfully debited from the source. Schwab is refusing to release my property and is demanding redundant documentation for a cleared transaction, effectively seizing my assets without cause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I'm filed 2 FCC disputes regarding inaccurate information that XXXX has furnished to the credit reporting agencies regarding a postpaid mobile account associated with XXXX phones purchased on XX/XX/year>. I've emailed TSI twice with proof of returned phones within the 30 day timeframe. Shortly after the purchase, multiple billing errors appeared on the account. Within the 30-day return period, on XX/XX/year>, I returned to the XXXX store where the phones were purchased to return both devices and cancel the postpaid accounts. The store clerk instructed me to ship the phones directly to XXXX. Following those instructions, I shipped both phones through XXXX on the same day. Tracking records confirm that both packages were delivered to XXXX on XX/XX/year>. Copies of the XXXX tracking confirmations are enclosed. After the phones were returned, I continued receiving bills from XXXX. I made numerous attempts to resolve the issue with both the local XXXX store and XXXX customer service. The store manager assured me that the matter would be corrected after I provided him with the shipping receipts. Despite these efforts and documentation confirming that XXXX received the returned phones, the account was eventually sent to collections and XXXX reported a default to the credit bureaus. This reporting is inaccurate because the merchandise was returned within the allowed return period and received by XXXX. Under my rights pursuant to Section 623 of the Fair Credit Reporting Act, I respectfully request that XXXX : Correct the account records accordingly Remove any inaccurate negative information that has been reported to the credit bureaus Please provide written confirmation of the results of your investigation. I appreciate your prompt attention to correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I was overdrafted on a single transaction for about XXXX hours on XX/XX/year> while money transferred in from a savings account. During this day I was charged {$34.00} by Chase Bank, which far exceeds the maximum {$5.00} amount that I understand is the legal limit for such a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I applied for this loan for XXXX XXXX XXXX. I realized it didnt cover much for I reached out and canceled my loan. On XXXX it says my loan is canceled and my amount due is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: OH

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Portfolio Services, Inc.
State: CO

Complaint narrative:
I and my daughters have received phone calls about attempts to deliver legal documentation on more than XXXX account. I received another phone call today along with my youngest daughter where they left a voice mail telling me to call the number XXXX in which my other daughter called in for me. When the gentleman answered claiming to be with XXXX & XXXX XXXX and threatened to sue me for gap coverage on a voluntary repossessed vehicle in which I have paid off and can provide proof the debt was paid. I am also worried due to the fact that they had my social security number, first and last legal name and my birthday. I also didn't have gap coverage on said car when in my possession and the gentleman would not even give me a direct location as to where the law firm was.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Complaint Against : XXXX XXXX XXXX and National Credit Systems Issue : Inaccurate debt reporting / Unverifiable rental collection I am filing this complaint regarding an alleged {$220.00} charge connected to an apartment application submitted on XX/XX/2025, at XXXX XXXX. The application was never fully completed because required income verification documents were not submitted. According to the propertys written Rental Criteria and Screening Policy, Applications will not be considered until the application has been fully executed and returned to include any requested income verification documents and all applicable application fees and holding deposits have been paid. The policy further states that applications are considered complete only upon submission of income verification documentation. Because the required documents were not submitted, the application was incomplete under their own written policy and should not have been processed. There is no provision authorizing an additional {$220.00} charge for an incomplete application. This account was previously reported to consumer reporting agencies and later removed. However, it is now being reported through rental history/tenant screening databases by National Credit Systems and XXXX actively preventing me from obtaining housing. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), furnishers of information have a duty to report accurate information and correct or delete information that can not be verified. Reporting a charge that is not supported by written policy and contractual agreement constitutes inaccurate and harmful reporting. I dispute this debt in full and request : XXXX. XXXX deletion of the {$220.00} charge. XXXX. Removal from all consumer reporting agencies and tenant screening databases. XXXX. Written confirmation of deletion. This inaccurate reporting is causing ongoing harm to my ability to secure housing.

Company response to consumer: Closed with explanation