vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CADENCE BANK
State: MS

Complaint narrative:
I am filing a complaint regarding a construction-to-permanent mortgage XXXX XXXX issued by Cadence Bank on XX/XX/year> XXXX XXXX ID # XXXX ). 

The loan was represented to me as a one-time close, single-note, XXXX fixed-rate construction-to-permanent mortgage. However, the Loan Estimate contains multiple disclosures that are inconsistent with a true fixed-rate, one-time close structure and appear to classify the loan as a payment-adjusting hybrid loan, creating material confusion and risk.

Specifically, the Loan Estimate states : Monthly Principal & Interest adjusts every month starting in month XXXX Includes a full Adjustable Payment ( AP ) Table Discloses a maximum payment amount Lists the loan term as 29 years, not 30. I guess because the first year is interest only. Dont understand why the years are separated and the interest only not used as a feature.

I am requesting CFPB review because : 1. The Loan Estimate appears to misrepresent the loan structure.

2. Adjustable payment disclosures are included in a loan marketed as fixed-rate.

3. The disclosures create uncertainty about whether the loan is truly single-note and fully locked at closing.

I am requesting that the lender provide a corrected Loan Estimate that accurately reflects the loan structure, or written confirmation clarifying whether the loan is in fact a fixed-rate one-time close or an adjustable-payment hybrid.

I have attached the Loan Estimate for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I tried to withdraw {$100.00} from my XXXX XXXX  debit card at an XXXX  ATM located at XXXX XXXX XXXX XXXX XXXX, IL XXXX inside of XXXX XXXX gas station. The machine made clicking sounds as if trying to dispense my money but never dispensed my money. It also printed a receipt which I included with my dispute on XX/XX/XXXX with XXXX. I contacted both XXXX and XXXX. They both told me I needed to dispute it with each other. They sent me in circles.i disputed it with both parties. XXXX sent messages it was denied. I appealed the denial. It was denied again. I know XXXX has to keep accounting records when filling their machines with cash so this makes no sense. The gas station employees told me the machine has also not dispensed other customers cash. They can not just keep my {$100.00}. XXXX or XXXX Bank ( XXXX XXXX XXXX bank ) needs to issue my money.

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 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Winklevoss Exchange LLC
State: CO

Complaint narrative:
This complaint is regarding my experience with the companys customer service and security team in relation to a failed passkey removal that has left my funds inaccessible. On XX/XX/2025, I deposited {$6500.00} via wire transfer into the companys crypto exchange app and used the funds to purchase XXXX. When I attempted to transfer the XXXX to my external wallet, my passkey failed with an error message, and the company placed a security hold on my account. I was instructed to change my passkey and password. However, because the passkey itself continued to fail, I was unable to complete any action on my account. I was then told that the passkey would be temporarily removed so I could access my account with my password and set up a new passkey. I complied fully with all requirements and submitted all requested verification documents on XX/XX/2025. 
The company committed to : Reviewing my submitted documents Temporarily removing the passkey Allowing me to regain account access and set a new passkey so I could use my account normally. This has not been done. 
Impact on Me Because the passkey has not been removed : I can not transfer my crypto assets to my external wallet I can not withdraw funds back to my bank account My money is effectively locked on the platform This situation has caused significant stress and frustration. I did everything required of me immediately, yet my access to my own funds has been restricted for weeks with no resolution. 
The business has responded, but has not resolved anything. 
All responses have been generic, repetitive, and non-substantive. No meaningful steps have been taken, no timeline has been provided, and the promised passkey removal has not occurred. 
I am requesting that the company : Immediately remove the failed passkey as previously promised Restore full access to my account Allow me to transfer or withdraw my funds without further delay Provide written confirmation once the issue is resolved I acted promptly, provided all required documentation, and followed every instruction given. The prolonged delay, lack of accountability, and reliance on automated responses while my funds remain inaccessible is unacceptable and reflects very poorly on the companys customer service and security procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: AL

Complaint narrative:
This account is reporting in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Regulation V.

( CREDIT CONTROL LLC ) is misrepresenting the amount and validity of this unsubstantiated debt, trying to collect on this debt without providing me the necessary documentation, contacting me via phone without sending me an initial communication in the allotted 5 days after first contact, collecting on a date that is possibly time-barred by not verifying the date of last payment with the original creditor, not resolving disputes submitted directly to them in a timely manner, conducting sham investigations with the credit bureaus, and not maintaining reasonable policies and procedures regarding the accuracy and integrity of the information they are supplying to the credit bureaus. 

FCRA 609, 611, and 623 Violations. FDCPA 805, 805, and 809 Violations. Regulation V Violations.

CREDIT CONTROL LLC has ignored my refusal to pay for this alleged debt for an account they purchased through a SALE FILE which are known for being inaccurate. No purchase agreement, assignment, chain of title, no representative from the original creditor or anyone with knowledge of the original creditors systems, no original-account level documentation. They also refuse to tell me the legal status of the debt. They are providing me false, misleading, deceptive, unfair information. 

I demand relief from all collection activities with a debt waiver and removal from all consumer reporting bureaus immediately.

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 2026-01-03 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: FL

Complaint narrative:
I made XXXX purchases using Cash App for items that were delivered but stolen from my door and never received by me. The first transaction occurred on XX/XX/year>, in the amount of {$120.00}, and the second transaction occurred on XX/XX/year>, in the amount of {$140.00}. I contacted the merchant, and they advised that because I disputed the transactions with my bank, they could no longer assist me. I have been trying to recover my money for over a month. I provided Cash App with proof, including communication with the merchant and evidence that the items were not received, yet my dispute was denied. Cash App has not provided any proof or valid explanation to justify denying my refund. I am requesting a full refund for both transactions, as I did not receive the purchased items and followed all required dispute procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IN

Complaint narrative:
Debt Collector : Contract Callers Original Creditor Claimed : XXXX What happened I am submitting this complaint regarding Contract Callers, a third-party debt collector attempting to collect an alleged debt they claim is owed to XXXX. I do not recognize this debt and dispute it in its entirety. 

After receiving Contract Callers initial written collection notice, I timely exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by sending a written debt validation and dispute letter within 30 days, pursuant to 15 U.S.C. 1692g.

My letter : Clearly disputed the alleged debt Requested full and complete validation Revoked consent to telephone communications Directed that all communications be made in writing only The validation request was sent via certified mail. Contract Callers received and signed for the letter, and I am providing copies of the certified mail receipt and signature confirmation as supporting documentation. 

Despite receiving my timely dispute and validation request, Contract Callers failed to provide any of the required validation. 

Instead, Contract Callers reported this unvalidated, disputed account to all three consumer reporting agencies : XXXX XXXX XXXX Why this is a problem Contract Callers actions appear to violate both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
Specifically : FDCPA 15 U.S.C. 1692g ( b ) Once a consumer timely disputes a debt in writing, a debt collector must cease collection activity until the debt is validated. Reporting a debt to consumer reporting agencies constitutes collection activity. Contract Callers continued collection activity by furnishing credit data without first providing validation.

FDCPA 15 U.S.C. 1692e Reporting an alleged debt as owed without substantiating its validity may constitute a false or misleading representation regarding the character or legal status of a debt. 

FCRA 15 U.S.C. 1681s-2 ( a ) ( 3 ) Contract Callers reported this account to consumer reporting agencies despite knowing the debt was disputed. Furnishers are required to accurately report disputes and must not furnish information they know or have reasonable cause to believe is inaccurate.

FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishing information regarding a debt without possessing documentation sufficient to substantiate its accuracy raises concerns about the reliability and integrity of the data being reported. 

Consumers have the right to dispute debts and to be protected from adverse credit reporting until a debt is lawfully validated. Contract Callers conduct undermines these protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
This submission is being made solely to correct the scope and categorization of a previously filed CFPB complaint regarding Ford Motor Credit.

The prior complaint was submitted under identity theft in error. The Ford Motor Credit account is open, belongs to the consumer, and is not being disputed in any way.

We take full responsibility for the incorrect filing. No dispute, investigation, deletion, or corrective action is being requested regarding this account. 

This notice is submitted strictly to correct the CFPB and company record

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that the account listed on my credit report was opened and/or used as a result of identity theft. I did not authorize this account, nor did I give permission for anyone to use my personal information. 

A third party used my identity without my knowledge or consent. As a result, the information being reported is fraudulent and inaccurate. The continued reporting of this account is causing harm to my credit. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting that this fraudulent account be blocked and permanently removed from my credit report. 

Please conduct a full investigation and provide written confirmation once this account has been deleted. If you are unable to verify that I authorized this account, it must be removed in accordance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I opened a telecommunications account with the original provider and was required to return the phone and related equipment after the account was closed. I followed the return instructions and sent the equipment back as requested. 

Despite returning the equipment, the creditor claims the items were not received and assessed a balance of {$610.00}. This balance was later placed with Credence Resource Management, a third-party debt collector. 

I disputed this account with the credit bureau and requested verification, including proof that the equipment was not returned, the date of first delinquency, and documentation supporting the amount being reported. The account was marked as verified, but no documentation was provided to substantiate the claim that the equipment was not returned or that the balance is accurate. 

Credence Resource Management continues to report and attempt to collect an amount that is inaccurate and based on a false representation of the account status. Reporting a balance that is not owed and failing to properly verify the debt violates the Fair Credit Reporting Act. I am requesting deletion of this collection from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am coming due for payment of PLUS ( parent ) loans per DE & MOHELA. However my son is in XXXX XXXX XXXXXXXX & I can not in any way afford the payment amount assigned. Theres one income based plan I can apply for & I continually get NO info on status. It seems theres any number of minor infractions I can be denied for even " Incomplete application '' for apparently not including one page of terms & conditions ( where no info is actually filled in ) MOHELA is not forthcoming with any info on how to help or be of srvc. When I called to speak w/ a rep about lowering my payment & questions on the income based plans I could try to appy for she stated " well you took out a loan, you didnt know you had to pay it back? '' ( not exact wordage but pretty close ) I told her not paying back wasnt my issue but I could not afford a payment that is half my monthly income I have a current application for an income based plan -finally submitted completely by their standards -and it is still " processing '' after almost 30 days. Meanwhile my due date is now less than a week away. Of note is that they send rejections within 24 hrs but drag out processing applications or assistance that could actually help me pay. IF this were any other lender besides the DE & their servicer MOHELA, theyd be facing lawsuits for this kind of service .They do not respond to any email I have sent asking specifiuc questions or assistance

Company response to consumer: Untimely response
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
In XXXX when the rules changed for loan forgiveness due to public service, I reapplied for loan forgiveness. I met the requirements and my loans were forgiven. However, I should have received a refund of payments made after XXXX. That is when I met eligibility by paying XXXX ( since the program began in XXXX ) on time payments while working for public schools. 

I have made numerous attempts to have the case reviewed and find out information about the refund. I have filed at least XXXX complaints with the federal Student Aid OmBudsman. I have mailed packets with all of the information about my payments and my eligible employment to numerous agencies such as the department of education and Attorney General of Texas. All complaints/cases have been closed with no explanation and all agencies have referred me to other agencies. I would like to have my case reviewed and receive a refund for overpayment from Federal Student Aid.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
What happened? 

National Credit Systems is reporting a collection account with the following inaccuracies : The account is reported as {$41000.00} past due The account lists 1 month terms No signed contract exists No billing statements were ever issued No payment schedule or due date was established No documentation has been provided to substantiate the debt I have no contractual relationship with this entity A debt can not legally be past due unless a valid underlying obligation exists with defined payment terms and a due date. In this case, no such obligation exists. Reporting this account as past due is therefore false and misleading. 

Additionally, collection accounts are already considered defaulted accounts. Reporting a collection as past due without a valid contract or installment agreement is inaccurate credit reporting and violates the Fair Credit Reporting Acts accuracy and verification requirements. 

Despite disputing this account, it continues to be reported without proper validation. 

Why is this a problem? 

This inaccurate reporting has caused tremendous harm to my credit profile and falsely represents that I failed to meet a financial obligation that never existed. Reporting a nonexistent or unverifiable debt as past due is misleading to creditors and consumers and undermines the integrity of credit reporting. 

What laws or regulations were violated? 

Based on the facts above, this conduct appears to violate : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 reporting inaccurate and unverifiable information FCRA 1681s-2 failure to ensure accuracy and proper investigation Fair Debt Collection Practices Act ( FDCPA ) attempting to collect and report a debt without validation or proof of a lawful obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Our mortgage was originally with Community Loan Servicing. It was transferred to Silver Hill Capital. We have never missed nor been late with a payment. Our payments are auto drafted through our bank. We have tried since last summer to communicate with Silver Hill but have never talked to a human being. We have never received a statement, nor have we been successful in setting up an online account.

I have called and left messages many times. The auto-response says someone will contact me within 48 hours. No one ever has called me back. I have sent several emails. No one has ever responded. I finally sent a hand written letter. After six weeks I got a letter telling me that my concerns were important to them and someone would contact me. No one ever has. 

While our mortgage payment is drafted every month, we have no paper, nor digital record of it. Our many attempts to create an online account have been unsuccessful. Their system kicks us out while trying to set up a password. We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NM

Complaint narrative:
To Whom It May Concern, I am a New Mexico resident and I am writing to report an urgent problem with the ownership status of my accounts and my inability to access my online banking. 

I was recently informed that my deposit and/or credit card accounts are listed as joint accounts with my husband, XXXX XXXX XXXX This is incorrect. The only account that was ever intended to be joint was my auto loan account, and that loan is now paid in full and closed. At no time did I authorize or consent to joint ownership on any deposit or credit card accounts. 

Due to this incorrect account designation, I am currently unable to log in to online banking or access my accounts. As a result, I can not view balances, transfer my funds, or pay bills. Because there are no local branches in New Mexico, online access is essential for me to manage my finances. This situation is causing financial hardship and distress. 

I respectfully request the following actions immediately : 1. A full review of the ownership/titling of all active accounts in my name 2. Removal of any unauthorized joint ownership 3. Restoration of my secure online banking access 4. Written confirmation of the current and corrected ownership status of each account 5. An investigation into how the incorrect joint designation occurred 6. Protection of my funds from any unauthorized access or activity Please acknowledge receipt of this message and provide a written response confirming the actions taken to resolve this matter. 

Thank you for your urgent attention and assistance. 

Sincerely, Your Name Joint person listed in error on deposit accounts : XXXX XXXX Accounts affected ( if known ) : Checking : ______ Savings : ______ Credit Card : ______ Auto Loan ( Joint ) Paid in Full & Closed

Company response to consumer: Closed with explanation