vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate debt collection reporting by Caine & Weiner related to an alleged XXXX wellness plan account. I dispute the validity and accuracy of this alleged debt and do not believe I owe the balance being reported. The underlying wellness plan subscription was canceled in 2022. Despite this, a collection account for approximately {$1200.00} later appeared on my credit reports. On XXXX XXXX, 2024, I sent a written dispute and request for validation to Caine & Weiner via certified mail. I retained proof of certified mailing. I never received any response, validation documentation, investigation results, or supporting evidence establishing that this debt is accurate, collectible, or legally owed. To date, Caine & Weiner continues reporting this account on my credit reports despite my prior written dispute and despite failing to provide sufficient validation or proof of contractual liability. I dispute the accuracy of the amount, the validity of the alleged obligation, and the completeness of the reporting. Additionally, I specifically request a complete copy of the original signed contract or agreement allegedly creating this obligation, including any wet signature, electronic signature records, enrollment authorization, renewal authorization, cancellation terms, and all documentation showing I legally agreed to the charges being claimed. If this account was enrolled electronically, I request complete electronic signature verification records, IP logs, timestamps, consent disclosures, and any documentation demonstrating valid authorization and acceptance of the contractual terms. I further request a complete itemization of the alleged balance, including all dates of service, charges, fees, payments, adjustments, and the basis for the amount being reported. I request the following : 1. Full investigation into the reporting and collection practices related to this account ; 2. Validation of the alleged debt, including signed contractual documentation and a complete accounting of the balance ; 3. Documentation showing the account was legally collectible after cancellation of the wellness plan ; 4. Confirmation of all addresses notices were allegedly sent to ; 5. Immediate deletion of the collection account from all credit reporting agencies if the debt can not be fully validated and verified. I also request that the account be marked as disputed with all credit bureaus during any investigation process. If Caine & Weiner and/or XXXX XXXX XXXX can not produce competent documentation establishing a valid contractual obligation and accurate balance, the collection account should be immediately deleted from all consumer reporting agencies. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED COMMUNITY BANK
State: SC

Complaint narrative:
On XX/XX/year>, United Community Bank ( XXXX ) notified me by email that my checking account would be closed on XX/XX/year>. On XX/XX/year>, less than 24 hours later, the Bank disabled my online banking access entirely without any additional notice. I discovered the restriction at approximately XXXX XXXX XXXX when I attempted to log in and was unable to access either my checking account or my line of credit. Since that date, I have been unable to view any account activity, access previously issued electronic statements, or verify account balances for either account. I have contacted XXXX customer support via email on multiple occasions, and they have confirmed in writing that they are unable to restore my online access or provide me with account activity records. Additionally, the Bank reversed a previously-posted ACH withdrawal from my checking account, a transfer to another bank account of mine, without my authorization or prior notice, and has provided no explanation for the reversal. The Bank 's own " Contact Us '' page directs customers to use secure email or chat within online banking to contact the Bank regarding account inquiries. Because my online access has been disabled, two of the Bank 's three customer communication channels are unavailable to me. I have received no notice regarding the status of my line of credit, and I am unable to determine whether that account remains open, has been closed, or has been modified. On XX/XX/year>, I transmitted a formal written demand for account records to XXXX XXXX XXXX, XXXX, General Counsel & Corporate Secretary, via email and U.S. certified mail. I requested a response by close of business on XX/XX/year>. My checking account closes on XX/XX/year>. I currently have no access to any account activity since my online access was disabled on XX/XX/year>, no statements of any kind for my line of credit, and no explanation for the unauthorized ACH reversal. I am unable to verify that my account balances are accurate, that all payments to my line of credit have been correctly applied, or that any funds disbursed to me at closure will be in the correct amount.

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 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank failed to process my Autopay, which was set up weeks before the payment due date. My credit union did not receive any ACH fund pulls despite them showing up on the credit card statement while my autopay for Sam 's Club credit card, also from the same credit union account to Synchrony, went through without a problem on the same day. At least XXXX Synchrony phone reps said that late charges and interest would be dropped when the payment is received in full when I was frantically trying to find out why I keep getting the message that I missed the first payment while I was out of state on business. There was no communication whatsoever about my autopay not going through because " I entered wrong routing and/or account numbers '', as a rep later told me. The autopay confirmation screen always showed my credit union logo, and if any numbers entered did not match my name and account, the autopay setup should not have completed. The principle was paid on XX/XX/year> when I finally gave up on using Synchrony 's portal to make payments and switched to my credit union 's bill pay. According to Synchrony 's statement, however, it was not received until XX/XX/year>. To this day Synchrony keeps pursuing me for the late charges and interests that are solely due to their inability to process prescheduled autopay through robocalls and texts. Synchrony has never made a meaningful reply in writing regardless of multiple letters that I sent, and a phone rep, when I told them that I was recording the call, just like Synchrony does anyway, said that I was " prohibited '' to record the call. Synchrony has shown no interest in admitting their errors and correcting them while starting to report my payment as months late to credit reporting agencies. The principle was paid just 11 days late ; all outstanding charges are bogus fees.

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My phone was stolen, and the criminals gained access to my financial accounts through the device. Immediately after discovering the theft, I repeatedly contacted Bank of America and requested that they freeze or lock my accounts to prevent unauthorized access and transactions. However, Bank of America refused to freeze the account unless I could verify my identity using a XX/XX/XXXXime passcode ( XX/XX/XXXX ) sent to the stolen phone number, which I no longer had access to because the phone had been stolen. Over the course of several days, I repeatedly called Bank of America explaining that the phone was compromised and that sending XXXX cXX/XX/XXXXes to the stolen device was not secure. Despite these warnings, the bank delayed taking action. Eventually, after multiple calls and escalations, the account was finally frozen. Because of this delay, criminals were able to continue accessing and moving funds. Approximately {$400000.00} was transferred into a Bank of America account from other financial institutions during this period. The criminals appeared to target the Bank of America account because it was the only institution that failed to act promptly to secure the account after fraud was reported. Other financial institutions involved in this incident acted quickly, investigated the fraud, and resolved the issues. Bank of America has been the only institution that has failed to provide reasonable assistance or a clear resolution process. After the account was frozen, I visited a Bank of America branch in person and opened a new account. I then requested access to the approximately {$400000.00} that remains in the checking account so I could transfer the funds to a secure account. Bank of America informed me that they would not allow access to the funds at this time. When I asked for a timeline for resolution, representatives stated that they could not provide any estimate whatsoever. They could not tell me whether the matter would take weeks, months, or even years. As a result, I currently do not have access to my funds, can not use the money, and can not earn interest on it. This has caused significant financial hardship and stress. Bank of America failed to properly protect my account after I reported the theft and fraud risk, and now they are continuing to withhold access to my funds without providing a meaningful explanation, timeline, or path toward resolution.

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 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
A DEPOSIT WAS UNLAWFULLY SEIZED XX/XX/year> without court order and FCRA violation MD/VA consumer laws and refused disclosures or IRS forms SEIZED PROPERTY IN TRESPASS BY WAY OF THEFT WITHOUT COURT ORDER LOAN CHARGE OFF PAID BY TREASURY AND SET OFF/WRITE/PROFIT LOSS ACCOUNT PAID OFF TO NFCU INSTITUTION REPORTED XX/XX/year> NFCU SEIZED PROPERTY IN CHECKING ACCOUNT WITHOUT LEGAL PROCEDURES- HAS NOT SUPPLIED XXXX or c AFTER SETTLED Did NFCU comply without a judgement or court order to seize monies Seized checking account without court order judgement NFCU can not produce a court order, I demand an immediate reversal under Regulation Z Rule 69 of the Federal Rules of Civil Procedure 15 U.S.C. 1692e ( 2 ) ( A ) 15 U.S.C. 1692e ( 2 ) ( A ) ] False Representation of Debt Status [ 15 U.S.C. 1692e ( 8 ) ] Communicating False Credit Information [ 15 U.S.C. 1681n ] Civil liability for willful noncompliance. Entitles you to actual damages OR statutory damages ( {$100.00} {$1000.00} ), punitive damages, and attorney 's fees. [ 15 U.S.C. 1681o ] Civil liability for negligent noncompliance. Entitles you to actual damages and attorney 's fees. 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy 15 U.S.C. 1681n Civil Liability for Willful Noncompliance 15 U.S.C. 1692e ( 4 ) & ( 5 ) Unauthorized Threat of Seizure : Maryland : the Maryland Consumer Protection Act ( MCPA ) and Maryland Rule 3-645, a creditor must have a judgment. Maryland law automatically protects up to \ ( \ $ XXXX ) in your bank account from garnishment/levy without you even having to fill out forms. Virginia : the Virginia Debt Collection Practices Act ( VDCPA ) and Va. Code 8.01-504, creditors are barred from using unfair/abusive tactics. If a creditor takes money from your account without a court-issued writ of garnishment, it is illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
My account originally was put on a levy hold by the IRS for debt from taxes filed years ago, which I knew about and was okay with that happening because I planned on paying it off with my tax money this year which is what I did. I spoke with the IRS and they stated that the levy hold was removed and that nothing should be taking from any account of mine and I should be fine. But when I speak to Cash App about my {$270.00} being accessible I get told they have a process not giving a time for the process or date. Like everything was paid for why am I not able to access my money on cap

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services of Iowa Inc.
State: IA

Complaint narrative:
The collection agency is illegally reporting a XXXX commercial billing dispute onto my personal consumer credit report. The work was ordered by a business that has since closed, and the building was sold. I never signed a personal contract or personal guarantee for this work. The collection agency is using skip-tracing tools to illegally place a company liability onto my personal consumer file. Please help me delete this off my personal credit report immediately. On my personal credit report, the debt indicates 'the collection agency - CREDIT BUREAU SERVICES OF IOWA - not the original contractor. I requested that I be supplied a signed contract for the job and no one will supply it to me. Furthermore, the commercial entity that ordered this work was dissolved, and the associated commercial property was sold over a year ago. The work in question was performed improperly, the original company refused multiple requests to inspect or remedy the issues, and partial payment was issued reflecting the value of the completed work under commercial dispute guidelines. Your attempt to bypass a closed corporate entity and target my personal consumer credit at a new residential addresswithout a signed personal contract or personal guaranteeis a willful and unlawful attempt to coerce payment of a commercial debt via consumer credit defamation. NOTE - I did try to work with the company initially. I even sent half of the invoice. Still they did not respond to the made errors that I had to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a Zelle transfer through XXXX that appears to have gone missing, and I have been unable to get meaningful assistance from the bank. On XX/XX/year> ], I sent a Zelle payment for XXXX ] through my XXXX account to XXXX. The transaction shows as completed on my account, and the funds were removed from my balance. However, the intended recipient states they never received the money. I contacted XXXX customer service multiple times and was told they could not help me or reverse the transaction. I requested a formal investigation/trace of the payment and asked for information about where the funds were delivered, but I have not received a satisfactory response. I am requesting that XXXX : Conduct a full trace and investigation of the Zelle transfer Provide documentation showing where the funds were deposited Identify the receiving financial institution/account associated with the transfer Attempt recovery of the funds if they were misdirected Provide a written explanation of the outcome of the investigation I have attached screenshots and transaction details showing the payment confirmation and communication related to this issue. Transaction information : Date : XX/XX/year> Amount : XXXX Transaction/Confirmation ID : XXXX Recipient contact used : XXXX I would appreciate prompt assistance resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Auto Finance LLC failed to release its security interest on my paid-off vehicle for 112 days, in violation of California Vehicle Code 5753 ( c ). I paid the retail installment contract in full on XX/XX/XXXX. This payoff date is confirmed by TD Auto Finance 's own XX/XX/XXXX lien-release letter, which states the account " was paid in full on XX/XX/XXXX. '' Under CVC 5753 ( c ), TD was required to release the lien within 15 days of payoff - on or before XX/XX/XXXX. TD Auto Finance is a mandatory participant in California 's Electronic Lien and Title ( ELT ) Program and can transmit an electronic lien release to the California XXXX in a single automated transaction. There was no operational reason for a four-month delay. TD took no action - no call, no letter, no electronic release - until I served a Notice of Statutory Violation and Formal Demand for Title via USPS Certified Mail on XX/XX/XXXX ( delivered XX/XX/XXXX ). Only after receipt of that demand did TD release the lien. The XXXX DMV issued the clear Certificate of Title on XX/XX/XXXX, and TD sent written confirmation dated XX/XX/XXXX. The statutory penalty under CVC 5753 ( e ) is {$25.00} per day from the first day of default, capped at {$2500.00}. I was in continuous default-induced limbo for 112 days ( XX/XX/XXXX through XX/XX/XXXX ), which exceeds the 100-day cap and entitles me to the full statutory maximum of {$2500.00}. I have served the written demand required by CVC 5753 ( e ). TD 's XX/XX/XXXX letter released the lien but did not address or pay the accrued statutory penalty. On XX/XX/XXXX, I sent a second and final demand letter for the {$2500.00}, with a payment deadline of XX/XX/XXXX. A national auto finance servicer with full ELT capability does not leave a paid-off account untouched for four months without contact unless there is a systemic failure of internal controls or a practice of withholding title until consumers escalate. Either explanation harms California consumers, who can not register, sell, or transfer ownership of a vehicle while the title is unreleased. This conduct fits the title-release UDAAP concerns identified in the CFPB 's XXXX XXXX Supervisory Highlights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Albert Corporation
State: ME

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX Albert albert.com CA Date XXXX for XXXX They have refused to refund me. They find it acceptable to take out money when someone's external bank account is XXXX at the time they collect their payment. They said I gave them " authorization and approval '', however that is if I have money which i would have on XX/XX/year>. Going back and forth on the chat is no use and they keep talking in circles and point out the same things.

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 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENTAGON FEDERAL CREDIT UNION
State: LA

Complaint narrative:
PenFed Loss mitigation refuses to provide a supervisor to talk to, the name of the XXXX party records filer, nor confirmation whether the deed was sent to XXXX XXXX for recording. They said they followed up with their third party filer.

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 non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: DE

Complaint narrative:
During a previous dispute filed with the Consumer Financial Protection Bureau, it was verified by Mariner Finance that this account had been paid in full. Despite that acknowledgment, your company subsequently accepted and cashed a check issued by my mortgage company after disclosing the account as satisfied. I then received additional written verification from your company again confirming that the account was now paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
FCN debt collector has been texting my brother since XX/XX/XXXX various times regarding a debt they took on from XXXX XXXX XXXX from XX/XX/year>. My brother is neither a co-signer nor his Information is attached to my profile. It is beyond my knowledge why they are sending him text message with a link which shows my balance owed to them. That breaks a confidentiality rule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief