vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I went in to Bank Of America to remove a co owner off of an acct and keep my name on it with it still existing. I didnt not sign off on closing the account. Bank of America allowed this acct to be closed and completely removed access to my funds and acct WITHOUT MY SIGNING OR CONSENT. I was then unable to access funds or my account for XXXX  days ruining any plans I had as well as late to pay bills. 

The case number to remove the co owner is 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 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: VA

Complaint narrative:
In XXXX XXXX XXXX XXXX I cancelled a XXXX XXXX  Home Security System, before relocating from XXXX Va. to XXXX XXXX Va. in XXXX of XXXX.XXXX  then proceeded to send me a bill for 9000.00 during that time. I disputed the matter with them, but they sent it now to Zion Debt Holding. I did some research on it and read where they are believed to be scammers. I really would like for this matter to be taken care of ASAP. Zion Debt Holdings has sent the amount to all three credit bureaus. Please can you help me get this off of my credit report. 

Thanks, XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I tried opening a checking account but was denied do to XXXX XXXX. I contacted XXXX XXXX and was told that I owed approximately {$250.00} to a BMO Harris Bank. I do not have, nor have ever had an account with the bank. XXXX XXXX provided this website to report the fraud activity along with several inquiries reported on my file to attempt to open checking accounts which I did not do, nor authorize. I am reporting this in order for XXXX XXXX to assist me with the removal of this fraud from my file.

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 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and fraudulent accounts opened using my Social Security number with Cash App ( Block, Inc. ).

I have never opened, used, or authorized a Cash App account, yet I have received IRS Forms 1099-DA for multiple tax years reporting digital asset transactions under my name and SSN.

I also received an account transaction statement showing cryptocurrency activity associated with my identity that does not belong to me.

This is a recurring issue. I previously contacted Cash App and was told the matter was under investigation, but no resolution was provided and the fraud continues. 

On XX/XX/year>, I again contacted Cash App support and was told to wait 10 days for an email response. 

I have submitted a formal written identity theft notice to Block , Inc. demanding : Closure of all accounts associated with my identity A permanent block on my SSN and personal information Corrected 1099 forms issued to the IRS Written confirmation that no accounts exist under my identity This situation is causing ongoing tax reporting issues and potential IRS liability for income that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citibank, for our Goodyear credit card, automatically took out funds from our bank account without our permission, twice. We have never used autopay for this account, and they put us on autopay without any written or verbal verification from us that they can do so. The first amount taken was for XXXX. They have now taken an additional XXXX as of today.

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 2026-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Constar Financial Services, LLC
State: SC

Complaint narrative:
I was not informed nor and knowledgeable about this debt being sent to another company while under the impression of XXXX XXXX company only which is who I contracted with, I was told that this information was sent over to constar XXXX XXXX XXXX. After receiving a letter from them. 
I spoke with a representative at constar and they were very disrespectful about my responsibility being that I stated I was not aware of this letter being sent to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX XXXX and XXXXXXXX XXXX XXXX  reported a debt to the credit agencys. I then called XXXX to settle the debt on XX/XX/XXXX, following that call I called XXXXXXXX XXXX XXXX  to inform them that the debt was paid and I was informed the by them that XXXX had resent the debt and they no longer have it and that a letter will be mailed out on the XXXX of XX/XX/year>. I then disputed the debt on XX/XX/XXXX which was never responded to. I then called several times after that and was given multiple different dates of when the letter was mailed to the collect agencies and was hung up on multiple times. Ive contacted XXXX XXXX XXXX and XXXX multiple times and they both are blaming each other. I also contacted XXXX  and was told that its nothing they can do because the creditors arent responding to the disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received repeated text messages regarding a personal loan from ACE Cash Express, which XXXX XXXX is attempting to collect. Texts came from multiple numbers and included automated scripts ( e.g., [ [ XXXX ] ], this is The XXXX XXXX following up on your ACE CASH EXPRESS file. Payment activity has paused and we need your direction to proceed. Please respond today. ). 

I sent a text requesting they stop contacting me by text or phone and to communicate only by mail or email, and warned that continued contact would be documented. Despite this, they continued to text me from different numbers and instructed me to call a representative ASAP. 

These repeated contacts after my cease-text/phone request constitute harassment under the Fair Debt Collection Practices Act ( FDCPA ). I have screenshots of all communications. 

I request that XXXX XXXX cease all text and phone communications, and that this harassment be investigated. I am willing to resolve the debt in a professional, written manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I submitted an application for auto financing in connection with a XXXX XXXX order ( Order XXXX ). 

On XX/XX/year>, I sent formal written notice to Tesla XXXX LLC by email and by XXXX XXXX Mail ( via XXXX ). In that notice, I : Retracted the application due to failure to provide a timely and lawful adverse action explanation ; Revoked permission for Tesla or any affiliated entity to retain, use, route, or disseminate the application or derivative data; Requested that any further communication be made formally and in writing. 

Despite this written notice, Tesla and/or its affiliated finance partners : Unilaterally canceled the order after the revocation notice ; Continued internal processing and/or routing of the application; Issued at least one additional adverse action notice after revocation ; Failed to provide a substantive written response addressing the XX/XX/year> certified notice ; Failed to provide a full written accounting of all entities that accessed or received the application. 

These actions occurred after notice of revocation and without consent. I am concerned about improper application handling, possible unauthorized lender shopping, and non-compliance with adverse action requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IN

Complaint narrative:
I am writing to formally request clarification and resolution regarding my XXXX XXXX XXXX XXXX ( XXXX ) payment counts, which appear to be stalled and incomplete. 

Over the past XXXX years, I have contacted the Department of Education multiple times seeking assistance. Most recently, on XX/XX/XXXX, I called again and had to place multiple calls due to disconnections and being transferred to representatives who were unable to assist me. Despite repeated attempts, I have not received clear or actionable information. 

At this time, my account reflects XXXX qualifying payments, although my records indicate that I should be well over XXXX. I have taken the appropriate steps to address this, including submitting : A XXXX  buyback request, for which I have received no response A reconsideration request, for which I have also received no response Additionally, the following payment periods are missing or not being properly counted despite documentation on file : XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX through XX/XX/XXXX, even though employment certification forms for this period have been uploaded My payment count has not been updated in over a year, and I am extremely concerned about the lack of transparency and progress. I am requesting : A clear and complete accounting of my qualifying payment history An explanation for why the above periods are missing or uncounted Confirmation of the status of my buyback and reconsideration submissions A realistic timeline for resolution At this point, I am simply asking for accurate records, clear communication, and an understanding of what remains outstanding. Despite repeated outreach, I have been unable to obtain this information, and I respectfully request immediate review and escalation of my case. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
The CBE Group , Inc. is attempting to collect a debt from me which I do not owe. The are indicating they are representing XXXX and claim I owe XXXX {$42.00} which is a false statement. 

I do not owe XXXX any money for any reason whatsoever. All merchandise I have purchased from XXXX in the past I have paid for truthfully through my former XXXX account. This is a spoof bogus debt this CBE Group has come up with against me. I do not owe XXXX any money whatsoever as stated before. 

Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
Dear CFPB, I am submitting a complaint regarding my TD Bank account. On [ XX/XX/year> ], my account shows a transfer of {$79000.00} to another XXXX of my checking accounts, it says " Phone Transfer '' which I didn't make. While I have been making purchases and using my account, I do not recall authorizing this transfer and am concerned it may have been an error or unauthorized transaction. 
I request that TD Bank : Investigate the {$79000.00} transfer and provide documentation showing how it was authorized. 
Provide a clear explanation of the origin, date, and method of authorization for this transfer. 
Credit my account for the full amount if the transfer was made without my authorization, in accordance with federal regulations ( Regulation E / Electronic Fund Transfer Act ). 
I have attached all relevant account statements and documentation showing the transaction. 
I am requesting that the CFPB forward this complaint to TD Bank and ensure that it is investigated promptly, and that I am informed of the outcome. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Sunrise credit services attached a pas due debt on my credit report in which negatively affected my credit. I contacted the company immediately once I got the notification that my credit has dropped XXXX point due to this negative debt that was never disclosed to me by this company, Ive never heard of this company before so I called them XX/XX/year> the same day, and they verified the original company that initiated the debt and I paid the debt in full {$100.00} and asked them I remove this from my credit report as a negative past due account, they refused and said they can not do it. I was about to close on a home loan and now this is out on hold until my credit is restored. The company said they emailed me but I never received an email or phone call from the company.

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 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Property Receivables, Corp
State: MN

Complaint narrative:
I signed A 6 month lease on XXXX XXXX XXXX on XX/XX/XXXX. I told them that I was planning to get a house so I may break the lease. They told me to give 60 days notice or pay 2 month worth of rent and move out anytime. I gave the notice by the end of XX/XX/XXXX and moved out the end of XX/XX/XXXX. They still want me pay the month of XXXX though i did all the requirements to avoid that. I had XXXX deposit that they didnt pay me back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I received an alert that a {$700.00} transaction had been sent from my CashApp account to the CashApp handle XXXX XXXXXXXX. I did not authorize this transaction. I immediately contacted CashApp Support and filed a fraud report. As instructed, I also attempted to request the funds back from the recipient. 
On XX/XX/XXXX, CashApp notified me by email that they were unable to confirm the transaction as fraudulent and would not reimburse my money. I have never interacted with or sent money to this CashApp handle at any time prior to this unauthorized charge. Given the clear lack of prior activity with this recipient and my immediate reporting of the issue, CashApp should have had no basis to deny reimbursement of these fraudulent funds.

I am requesting the CFPBs assistance in resolving this matter and securing the return of the {$700.00} that was taken from my account without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My primary residence was placed in a trust by my late father, naming me as beneficiary. Prior to the transfer of my loan to Shellpoint Mortgage, the loan was serviced by XXXX. Upon my fathers passing, I provided XXXX with all required trust documentation and personal identification, and I was successfully verified without issue. 

Since the servicing of the loan transferred to Shellpoint Mortgage in XX/XX/XXXX, I have repeatedly provided the same documentation but have still not been verified. I initially submitted documentation in XX/XX/XXXX, followed up again in XX/XX/XXXX, and again in XX/XX/XXXX after realizing the matter remained unresolved. In addition, I have made multiple follow-up calls weekly seeking status updates. 

During these communications, I have now been advised to remove the property from the trust and transfer it into my personal name. I believe this advice could be harmful, as the trust provides legal protections and potential tax benefits for the property. I have therefore disputed this recommendation. 

Since XX/XX/XXXX, I have been repeatedly instructed to resubmit verification documents, with each request stating decisions would take 35 business days. However, when I follow up after those timeframes, the review period is extended to 10 business days. After resubmitting documents in XX/XX/XXXX, I was informed that I was not listed as property owner, which I disputed and ultimately had to clarify by directing representatives to the specific provisions within the trust documentation confirming my status.

At this point, my confidence in the handling of this matter is diminishing. There appears to be no way to communicate directly with the legal department, and public experiences reported online regarding Shellpoints handling of trust-held properties are concerning. It increasingly feels as though I am being pressured to remove the property from the trust, potentially placing the loan in my personal name at less favorable terms, rather than having the trust properly recognized.

I am simply requesting that Shellpoint verify my status consistent with the documentation already provided and previously accepted by the prior loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: United Shore Financial Services, LLC
State: IL

Complaint narrative:
My loan was in forbearance. It ended in XXXX. They lost my paperwork repeatedly while I applied for loan modification. I was finally approved in XXXX with the first payment due in XXXX. I mailed the payment but they sent it back to me. They are threatening foreclosure. I have called them every 2 weeks for 6 months. No one knows whats happening including the attorney that theyve hired for the foreclosure process. Meanwhile I am locked out of my account online. No one returns calls and they XXXX sent back my mortgage payment all while reporting my mortgage 4+ months delinquent. My credit report is trash. Ironically theyve done the same exact thing to my daughter who is not in loan modification and her payments are up to date. They have trashed her credit too.

In my opinion UWM ( United Wholesale Mortgage ) is looking at a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I am receiving multiple calls every day from Innovative Recovery to four different phone numbers. I do not recognize the debt they are calling about. The callers have used unprofessional and inappropriate language, including referring to my wife as girlfriend or whatever she is. They have also made threats that an attorney will sue me if I do not pay immediately. 

The callers have falsely stated that they work for XXXX XXXX. When I asked for their email address or written validation of the debt, they hung up on me. I have repeatedly asked them to stop calling and stop harassing me, but the calls continue. 

When I called back to request a supervisor, I spoke with someone named XXXX who was hostile and rude. She stated that my account manager was someone named XXXX. When I asked for a superior manager, XXXX claimed she was the manager and again threatened that an attorney would contact me if I did not pay. She refused to stop the calls. 

I am requesting that Innovative Recovery stop contacting me, provide proper written validation of the alleged debt, and cease all harassment and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Truist Mortgage payment was auto drafted and cleared via ACH on XX/XX/year> for {$3100.00}. A second ACH was drafted on XX/XX/year> for {$3100.00}. Truist states that they have no record of the second draft. I have confirmed with my checking account provider that this was a direct draft by Truist Mortgage.

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