vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On or around XX/XX/year>, we attempted to obtain a Home Equity Line of Credit ( HELOC ) on our current house but were denied because we live on leasehold land. We were informed that if we had an existing mortgage, they could lend us money, but since we have paid off our house, they were unable to offer us a loan. 

Assuming that the first branch we visited might not have been well informed, we decided to go to another branch to see if we would get a different response. After providing all our information and receiving numerous documents to fill out over a two-week period, we received a notification that our " collateral is not acceptable. '' In other words, our mortgage-free house, bank appraisal valued at {$330000.00}, along with our personal XXXX XXXX of over XXXX, was deemed unacceptable collateral for a {$75000.00} line of credit. 

According to the XXXX XXXX XXXX XXXX XXXX, there are currently over XXXX leasehold properties. My question is : XXXX Regions Bank lending money to new homebuyers on leasehold properties, but not to individuals who have paid their mortgages in full? If so, this is unfair and discriminatory to those who have been financially responsible and own their homes. We believe that Regions Bank is clearly engaging in unfair banking practices and violating the Unfair, Deceptive, or Abusive Acts or Practices ( XXXX  ) regulation.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Acorns Grow Incorporated
State: CO

Complaint narrative:
Acorns closed my account in XX/XX/year> without notice. They sent the {$60.00} balance to a closed account at XXXX instead of an active account and at XXXX. XXXX has not found the transfer and provided a statement of my closed account not receiving the payment. I have not received the {$60.00} balance. I have the transaction numbers and account numbers as well as communications in a file to upload. Acorns has not returned my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Over a three-year period, my former mortgage servicer PHH Mortgage XXXX assessed large escrow shortages that caused my monthly mortgage payment to increase from approximately {$4800.00} to {$6800.00}, despite minimal increases in property taxes and homeowners insurance. 

In the first year of the loan, the servicer stated there was an escrow shortage related to property taxes. While an initial adjustment may have been appropriate, the servicer continued to claim significant escrow shortages every year thereafter, increasing my payment by nearly {$1000.00} per month each year, even though the underlying tax and insurance obligations remained relatively stable. 

These repeated increases made the mortgage unaffordable and ultimately forced the sale of the property. At payoff and closing on XX/XX/year>, the servicer charged an additional approximately {$4800.00} for another alleged escrow shortage, further increasing my financial loss. 

After the sale, I submitted multiple written requests for a full escrow accounting, including year-by-year escrow analyses, payment history, escrow disbursements, and explanations of how the shortages were calculated. These requests were submitted in writing in XX/XX/year>, but the servicer failed to acknowledge or respond. 

The servicers failure to respond and the pattern of escalating escrow shortages raise concerns about compliance with federal mortgage servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: NY

Complaint narrative:
This is NOT a duplicate complaint. I am filing this complaint regarding Credit Control, LLCs failure to comply with XXXX XXXX XXXX debt collection law after receiving my written dispute. 

Credit Control admits in its CFPB response that : it received my written dispute on XX/XX/year>, it ceased collection activity, and it forwarded the dispute to its client and returned the account. 

However, under NYC Administrative Code 20-490 and DCWP Debt Collection Rules ( 23 RCNY 1-04 ), once a written dispute is received, a debt collector has a non-delegable duty to respond directly to the consumer within XXXX days by doing XXXX of XXXX things only : XXXX. Provide substantiation of the debt to the consumer, or XXXX. Issue a written Notice of Unverified Debt stating the debt can not be verified and that collection will not continue. 

Credit Control did neither. 

Forwarding a dispute to a creditor, returning the account, or closing an internal file does not satisfy XXXX law. The obligation is to communicate directly with the consumer, not the creditor. 

Credit Controls response confirms that it attempted to collect a debt it could not substantiate, then exited the account without issuing the legally required notice. This deprived me of my statutory rights and contributed to confusion caused by repeated placement of the same disputed debt with multiple collectors. 

The CFPB portal provides Credit Control with the ability to upload documentation. If Credit Control possessed substantiation or was able to obtain it, it could have provided it directly or uploaded it. Instead, Credit Control admits it did not validate the debt and did not issue a Notice of Unverified Debt. 

XXXX XXXX XXXX, XXXX : Please be advised that XXXX XXXX XXXX is being ccd on this complaint because it was the first debt collector to contact me regarding this alleged debt and received written disputes. XXXX did not provide validation of the debt or issue a notice that the debt could not be validated. Under XXXX XXXX XXXX debt collection law, a collector must either substantiate the debt or issue a Notice of Unverified Debt. 



For context, I have also submitted complaints to XXXX XXXX regarding the same conduct under applicable XXXX XXXX XXXX debt collection requirements ; copies are attached for reference.

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 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
I am filing this complaint regarding Halsted Financial Services failure to comply with XXXX XXXX XXXX debt collection law after attempting to collect an alleged debt. 

Halsted Financial Services , LLC attempted to collect this debt and received my written dispute. Under NYC Administrative Code 20-490 and DCWP Debt Collection Rules ( 23 RCNY 1-04 ), once a written dispute is received, a debt collector must within XXXX days either ( XXXX ) provide substantiation of the debt directly to the consumer, or ( XXXX ) issue a written Notice of Unverified Debt stating the debt can not be verified and that collection will cease. 

More than XXXX days have passed. 

HALSTED FINANCIAL SERVICES , LLC did not provide substantiation to me and did not issue a Notice of Unverified Debt. Forwarding the dispute to the creditor or closing the account does not satisfy XXXX law, which requires direct written notice to the consumer. 

I request that Halsted Financial Services , LLC be required to either lawfully substantiate the debt or formally issue a Notice of Unverified Debt in compliance with XXXX law. Halsted Financial Services , LLC may upload any documentation it relies upon through the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I deposited a check for {$4700.00} into my checking account at Bank of America. The check was a legitimate payment from a client for services I provided, and I have an invoice and other documentation to support this. Shortly after the deposit, Bank of America claimed the check was fraudulent without providing any evidence or explanation. They then withdrew the funds from the clients account, retained the {$4700.00}, and closed my account without proper justification or advance notice. I contacted Bank of America multiple times via phone to request a written explanation for the closure and instructions on how to access or recover the deposited funds, but they did not provide any meaningful information or resolve the issue. Most recently, on XX/XX/XXXX, after waiting over XXXX months without resolution, I contacted them again. They informed me that the check issuer should initiate a return of the funds, but offered no further guidance on the process, how to proceed, or why they couldnt handle the reversal directly despite having withdrawn the funds themselves. This has caused me significant financial hardship, as the funds were rightfully mine, and their actions appear unjustified and potentially unlawful.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
In XX/XX/year> I received an email saying that my account was restricted and that it would eventually be closed. Ive been received an email where I had to fill out a document and submit it including the address that I wanted to check with my remaining balance sent, I filled out that document and submitted it and was told I would receive the check in XXXX to XXXX weeks in XXXX. I realized I had not received that check and I reached back out to Robin Hood customer support in which I was emailed back to fill out the document again and after I submitted it I was told again that I would receive the check in XXXX to XXXX weeks. I still have not received the check so I emailed them XX/XX/XXXX stating that I still not received my check. I then got an email stating that my case has been closed and that I would not be supported as a customer and no additional information would be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington bank account XXXX XXXX and XXXX i have been with for at least XXXX plus years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I woke up in the morning to a closed checking account, at no notice or warning to me. 
I have bills that have now bounced, and when I called to try and figure out what happened because none of my account stuff was working, they told me they are closing my account due to suspected fraud. No explanation, no nothing, the lady on the phone told me she had no idea what happened but that it was just marked at suspected fraud. I didnt do anything and I have no idea what happened but now my money is frozen and they cant even tell me when Ill get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX credit bureaus on 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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, an unauthorized charge of approximately {$16000.00} appeared on my American Express credit card statement.We missed that charge on our statement and same merchant charged us again on XX/XX/year> but this time charged {$9000.00} XXXX times. The charge was processed through XXXX and listed as from a merchant named " XXXX. '' I did not authorize this transaction, have no knowledge of it, and it is completely fraudulent. I immediately disputed the charge with American Express as unauthorized fraud in XX/XX/year>. 
When I contacted the merchant processor ( XXXX ), they confirmed that the transaction was suspicious and informed me that they had already closed the XXXX merchant account due to suspicious activity. 
Despite this clear evidence of fraud from the processor itself, American Express denied my dispute, refused to remove the charge, and instead closed my account without resolving the issue or providing assistance. 
This unauthorized charge violates my rights under the Fair Credit Billing Act ( FCBA ), which limits liability for unauthorized charges and requires issuers to properly investigate billing disputes. 
I have supporting evidence, including : Credit card statements showing the charge Records of my disputes with American Express ( reference numbers, emails, chat logs ) Police report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: IL

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I called on XXXX to request a debt validation letter because I never received it. I was told it could take up to XXXX  days to receive this letter. I do not believe I owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I sent a letter and asked for debt validation. They have violated the due process and credit card act. I want the debt removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I've had issues getting an accurate balance from the APP. I have spoken to multiple people over the phone who have tried to help me fix this and no luck. This is why I am aware of logging in everyday to check my balance. On XX/XX/year> I logged in and it said I was overdrawn and that I needed to deposit an amount to waive the overdraft fees so I deposited {$60.00} that would make my account current. After that I kept checking daily and my account was still in good standing but XXXX I logged in and saw that my account was overdrawn {$380.00} which means they charged me for XXXX overdraft fees with no warning and no time to fix it. 

I called on XXXX and was told that the manager was in a meeting and that he was going to call me back -- -Never called me. 

I made an appt for XXXX at the bank branch and someone cancelled my appt : ( then I made another appt for XXXX. 

I decided to call again on XXXX and this time they decided they were going to reimburse me for XXXX overdraft fees. Why XXXX? Their system had issues and failed to let me know that transactions are still going through. 

So Now I owe the bank {$270.00} instead of {$100.00} which I did use but would have paid it if I had the right information. Why do I have to pay for their system issues? 

The last person I spoke to helped me fix the system issues that will allow me to get all real time alerts. I was not getting the alerts since they were not on. 

XXXX 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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Formal Dispute of Unauthorized Charges Due to Merchant Misconduct, Transaction Splitting, and Lack of Capacity. 

Details of the Incident : I am disputing a total of {$11000.00} in charges from the merchant XXXX XXXX ' occurring on or around XX/XX/XXXX. These charges were processed while I was medically incapacitated and in a state of total blackout for approximately 11 hours. 

Criminal Investigation : The XXXX XXXX XXXX XXXX has opened a criminal investigation into this matter for Financial Exploitation and Predatory Billing ( Case Number : XXXX ). A deputy has already conducted an on-site investigation and is currently reviewing surveillance video to verify my physical state and lack of capacity to consent at the time the cards were run. 

Merchant Misconduct & Rule Violations : Transaction Splitting : The merchant intentionally engaged in 'Transaction Splitting ' to bypass bank security limits. Instead of a single charge, they ran multiple smaller transactions ( e.g., {$2000.00}, {$3000.00} ) in rapid succession across both my Wells Fargo and XXXX XXXX accounts. This is a direct violation of XXXX XXXX XXXX. 

Lack of Capacity ( NRS 657.290 ) : Under Nevada law, any signature or consent obtained while a person is medically incapacitated is legally void.

Larceny by Deception : I have requested, and the merchant has failed to provide, an itemized breakdown of services for {$11000.00}.

Requested Action : I am requesting that Wells Fargo recognize the active criminal investigation ( Case 26-26 ) and the merchants rule violations. I demand an immediate provisional credit per Regulation E while the Sheriffs Office completes the evidence package.

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
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
AARGON AGNCY is falsely reporting on my credit. I have never had any accounts with them. Per my research AARGON AGNCY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I am upset with Wells Fargo. I closed my account with them in XX/XX/year> because my husband and I were upset with their business practices. I have heard of numerous complaints and reports of unpleasant experiences with this bank, so we decided to close our accounts early before any more claims were filed against them. However, in XXXX XXXX XXXX, I became ill and had to go to the hospital. I purchased two plane tickets on XXXX XXXX XXXX XXXX XXXX  to see my in-laws for XXXX, but unfortunately I was unable to travel due to circumstances beyond my control. I contacted XXXX to cancel my flight tickets since there was still time. I was already somewhat skeptical about how my refund would be processed since we closed the accounts. I started to record everything from XXXX 's side and Wells Fargo. My husband has reached out to Wells Fargo multiple times, but we have been disregarded. Previously, Wells Fargo conducted extensive investigations into disputes, so I know they review transactions in depth. However, now that we are no longer customers, they open a claim and tell us no funds were sent because the account no longer exists. I have sent them the detailed information from XXXX, yet they continue to disregard us, no matter how many times we reach out. This is a significant concern because it was {$300.00}. That money could have saved me at the time of my health. It could have covered my funeral expenses if it had gotten that far, which fortunately it didn't. This is concerning because it appears one of the companies may have pocketed the funds, or that it's just in limbo. It's concerning because the banks are supposed to maintain credibility and integrity when it comes to our money. Yet I feel robbed.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation