vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
On or about XXXX XX/XX/year>, I contacted Axos Bank to close an inactive savings account. On XXXX XX/XX/year>, I was informed that the account was closed and a check would be sent to my home in the amount of {$370.00}. I received the check on or about XXXX XX/XX/year>. I deposited the check to my personal savings account at the XXXX XXXX  in XXXX XXXX Several days later I was informed that the check had been returned, marked Not Authorized. I spoke in person to a representative of XXXX XXXX, who gave me a XXXX  XXXX  of the returned check. She recommended that I not try to redeposit the check, as I might be charged a fee if it was returned again. I contacted XXXX XXXX by phone, and was told that I should file a Declaration of loss. I hesitated doing so, as it stated that the check was lost. This was not true, as I had the XXXX XXXX in my possession. I messaged Axos Bank, stating this, and attached a scan to that message. Axos Bank replied on XXXX XX/XX/year> denying any responsibility for the returned check. The message stated that the official bank check issued for your account closure is legitimate and should not present any issues when deposited. The message further stated that While [ the representative ] can not speak to the guidance or actions taken by your local bank, [ she ] can assist with the next appropriate step. Since you have indicated that your bank has confiscated the check, we are able to request that a replacement check be issued. On XXXX XX/XX/year> I replied to her message stating that the check was not lost. I attached a scan of the Legal Check to the message. On XXXX XX/XX/year> I messaged XXXX stating that I had not received any reply to my Message of XXXX XX/XX/year>. I further stated that if they did not reply by XXXX XX/XX/year> I would file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Obligo Inc.
State: TX

Complaint narrative:
Obligo continued recurring monthly charges ( {$36.00} ) after my account was marked orphaned following a property management transfer. The property management transfer happened on 9/2024. Obligo continued charging my account even though no property management company was tied to the account.

I did not have the ability to cancel the service or remove my payment method through the portal, and no renewed authorization was obtained after the management change.

Obligo has acknowledged the orphaned account status in writing but has not issued a refund and has stopped responding to my requests.

Total amount disputed : {$440.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I never open this debt, and also anyone can use your information and apply for this debt, and the problem is that even people can come in person and get things in your name and pretend to be you, or change their facial look so being that person or online they can still put debt in your name, regardless of whether in person or online.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NV

Complaint narrative:
I have a CHIME bank account where I receive direct deposit. The following fraudulent activity has taken place on my account : XXXX XXXXXXXX XXXX XXXX : {$2.00} XXXX  : {$2.00} XXXX XXXX, XXXX  XXXX  : {$39.00} XXXX XXXX : {$4.00} XXXX XXXX, XXXX  XXXX XXXX : {$4.00} XXXX XXXX : {$4.00} XXXX XXXXXXXX XXXX XXXXXXXX : {$640.00} XXXX XXXX : {$29.00} XXXX XXXX XXXX : {$50.00} I was notified by Chime of fraudulent activity taking place on my account, I reported the fraud on my account and my debit card was closed. However, the fraud continued using the virtual debit card assigned to the account. I have attempted to dispute all of these charges twice, and they denied my claims and have not provided me with their data as to why they are denying my claims. 

I have filed a claim with the FBI for internet crimes and provided them with these reports I am heartsick as I can not pay my bills and they seem to have no intention of paying me. I am without options. It almost feels like an inside crime, because how can they deny my claim of fraud where they NOTIFIED me of the fraud happening on the account? 

Please help! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request i validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Harris & Harris is sending text messages to family members regarding a debt that is not the family members. The are repeatedly texting family members regarding a debt that has been transferred to them that they say I owe but they havent sent me any official paper work via mail. And they have my address. 
I do not want them to be texting family members mobile numbers regarding any personal financial information about me and they need to stop texting these numbers and they need to send a letter explaining information. They have been XXXX  family members and they sent out repeated texts the week of XX/XX/year>.

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 2026-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
XXXX sold my cell number to several partners and I get XXXX calls per day. 
I required to stop calling me, I unsubscribed from emails and I specifically tried to add my number to do not call me list at the XXXX website. They are scammers. they came up with a brilliant idea- it is impossible to submit this request. 

although there is such thing on their website. XXXX XXXX XXXX  then you pick " opt out of phone calls '' -this choice does not work. when you submit the opt out, the system freezes and nothing happens. 

The partners they sold my number use spoofed numbers and robo calling technologues. currently, with AI voice on a rise, it sounds like a person, but it is a robot. I got XXXX calls from " XXXX '' and when I say Stop calling me she ( being AI agent ) ignores. 

I sent cease and desisit letter to XXXX XXXX- they ignore anyway. I get calls from them every day, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called the company Best Buy about a month ago and requested to be told how much Ive paid compared to the original debt. They said they couldnt give me that information and I requested to settle the debt because Ive paid well over how much I owe. I was told they couldnt do that. I told them I was going to stop payment and it could go to collections. She said they would document that. Theyve since called me over XXXX from that month. XXXX within the last two weeks. This week alone 2/16-2/20 Ive been called 3x a day except XXXX and XXXX. They also call every XXXX XXXX a day.

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 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
This is my second complaint for the same issue. The complaint was closed by CFPB even though nothing has been fixed. 

The Aidvantage response to my original complaint was woefully inadequate. Although Aidvantage acknowledged that mistakes were made, it has NOT provided any actual information. The response I received was a boiler plate response telling me exactly - NOTHING! 

Further, no corrections have been made to date. 

Lastly, my latest credit report shows close to double the amount that I owe - ~ {$90000.00} - vs what is actually the remaining balance prior to the loan separation of roughly {$50000.00}. So it seems instead of fixing their original mistake, Aidvantage has actually managed to make the situation worse! I am formally requesting that Aidvantage provide the original loan information for every loan, including : 1. Who was originally responsible for each loan. 2. Exact calculation of the new loan balance for any split loans. 3. A clear trace showing how each new loan balance corresponds to the original loans. This information is essential for me to verify the accuracy of my new split loans. Please provide the requested documentation promptly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is for my business account XXXX XXXX. I deposited a check from a merchant and I have been deposited the same check every two weeks, same amount {$3200.00}, for about a year and never the check had a problem or bounced. When I deposited this Friday XX/XX/XXXX, they placed a hold first until XX/XX/XXXX, and later, within minutes, they placed a hold until XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXXXXXX/26, and to supervisor XXXX XXXX ID XXXX, they both stated that they do not have a reason why the extended hold, and they can not do anything about shortening the hold. Just monitoring the account. My account has been open since XXXX  XXXX, 2023.

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 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am submitting this complaint regarding improper and premature overdraft and NSF fees assessed on my business checking account. 

On XXXX  XXXX, 2026, the bank charged a Returned Item ( NSF ) Fee of {$36.00}. 

Additionally, my account currently reflects multiple Overdraft and NSF fees dated XX/XX/year>. However, as of XX/XX/year>, those fees are already impacting my account balance even though the stated posting date has not yet occurred. 

This raises serious concerns that overdraft fees are being assessed before transactions are fully posted and before the banking day has officially closed. 

I do not recall enrolling in or authorizing overdraft coverage for this account. If overdraft services were not properly authorized, the bank should have declined transactions rather than allowing the account to go negative and assessing multiple fees. 

This appears to be a pattern of improper timing and fee assessment. 

I contacted the bank to address the issue, but the matter was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GFS, Inc.
State: IL

Complaint narrative:
Copy of the original signed contract or agreement bearing my signature ; A full chain of title including all assignments and transfers of the alleged debt ; A bill of sale or purchase agreement proving legal ownership of the debt ; Proof of licensing to collect debt in my state ; Surety bond information A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e- False or misleading representations 15 U.S.C. 1692f- Unfair practices 15 U.S.C. 1692g- Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days. I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. 

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: TN

Complaint narrative:
To Whom It May Concern, This complaint concerns an unresolved credit card rewards dispute with U.S. Bank regarding failure to apply the 5 % Home Utilities bonus category as selected under its rewards program. 

On XX/XX/year>, a charge in the amount of {$23.00} was posted by XXXX XXXX XXXX. At that time, XXXX XXXX had been selected as the 5 % bonus category under the credit card program. The transaction was credited at 1 % instead of 5 %. 

In XX/XX/year>, after reviewing the statement, I contacted U.S. Bank customer service by telephone. I was advised that the discrepancy would be automatically corrected at the end of the billing cycle. No correction was made. 

Subsequently, U.S. Bank provided written correspondence stating that the transaction was classified under a merchant category not eligible for the 5 % utility bonus and that the bank can not control how merchants classify their business. No adjustment was issued at that time. 

As of the date of this complaint, the XX/XX/year> transaction has not been corrected and continues to reflect the 1 % earn rate. 

The published 5 % XXXX XXXX category includes providers of electricity, gas, water, sewer, and similar residential utility services. XXXX XXXX XXXX provides municipal water and related residential utility services. Based on the nature of the service and the programs stated category definition, this transaction reasonably falls within the XXXX XXXX category. 

This issue is not related to credit reporting and no dispute has been filed with a credit reporting agency. The matter strictly concerns the application of advertised credit card rewards benefits. I attempted to resolve this directly with the company prior to submitting this complaint. 

I am requesting : A review of the XX/XX/year>, transaction ; Correction of the rewards earn rate if the transaction qualifies under the XXXX XXXX category ; and Written clarification of how merchant category codes are evaluated for purposes of the 5 % utility bonus.

Thank you for your review.

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 2026-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I am filing a complaint regarding recurring autopay processing issues with Affirm. 

I have autopay enabled on my account and maintain sufficient funds in my verified bank account each month. Despite this, I repeatedly receive notifications stating that my payment can not be processed. Shortly afterward, I receive warning messages indicating that my credit may be impacted if payment is not received.

Each time this occurs, I must manually log in and submit the payment myself even though autopay is active and funds are available. This has happened multiple billing cycles and appears to be a system or processing issue rather than a failure on my part.

The repeated credit-impact warnings are especially concerning because they imply negative consequences despite my compliance with payment requirements. I have attempted to manage this responsibly and keep my account in good standing, yet the issue continues. 

I am requesting that Affirm : XXXX. Investigate and correct the recurring autopay processing failure. 
XXXX. Confirm in writing that my credit will not be negatively affected due to these autopay errors. 
XXXX. Stop sending threatening or misleading payment warnings when the failure is related to their system. 

My goal is simply to have autopay function reliably and to avoid unnecessary stress caused by repeated payment failure notices. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and it goes on thus way a few month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Against : Affirm , Inc . 
Loan : XXXX Merchant : Dolls Kill I am filing this complaint against Affirm regarding its handling of a billing dispute connected to a Dolls Kill purchase financed through Shop Pay installments serviced by Affirm. 

This dispute arises from the merchants failure to comply with California XXXX XXXX XXXX. 

At no point prior to completing the purchase was any final sale or return limitation conspicuously disclosed on the product page or at checkout. Screenshots of the checkout process demonstrate the absence of any visible final sale disclosure The only disclosure of a return limitation appears in the post-purchase confirmation email, which states : XXXX costumes are not eligible for return or exchange after XX/XX/year>. 

Under California XXXX XXXX XXXX, if a business does not offer refunds, exchanges, or credit within at least 7 days of purchase, the return policy must be conspicuously displayed before the sale is completed. Disclosure after purchase does not satisfy statutory requirements.

I contacted the merchant immediately upon receipt of the items and attempted to resolve the issue in good faith. My email communications ( attached ) show repeated requests for a return or exchange and my willingness to return the merchandise. The merchant refused to cooperate.

The goods remain in my possession and are available for return upon lawful resolution.

Affirm has not provided meaningful assistance and continues to treat the balance as collectible despite an active dispute involving potential statutory noncompliance by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am a victim of mortgage fraud. Due to a 2nd mortgage that I knew nothing about ; an already approved short sale was denied by XXXX XXXX. 
I refinanced my home on XX/XX/XXXX for {$650000.00} with XXXX XXXX. It was then, in less than 2 months, placed under mortgage-backed security XXXX XXXXXXXX by XXXX XXXX. The closing date of XXXX XXXX was XX/XX/XXXX. XXXXXXXX XXXX XXXX  ceased operations on XX/XX/XXXX, more than one year after the securitized trust closed. On XX/XX/XXXX, XXXX XXXX XXXX  acquired certain assets of XXXX XXXX  and thereafter claimed an interest in my mortgage loan. At the time of XXXXXXXX XXXX failure and the subsequent asset sale to XXXX XXXX XXXX, XXXX no longer owned or held my mortgage loan, having divested itself of all interest years earlier. Currently, XXXX XXXX  claims to own the mortgage and the promissory note. XXXX Bank violated the FTC rule requiring that all mortgages to be placed in a mortgage-backed security be a performing mortgage for at least 1 year. 
On XX/XX/XXXX, XXXX Bank and its servicer, Shellpoint Mortgage approved a short sale for my home. The title company discovered a 2nd mortgage for {$50000.00} that was executed on the same date as the closing of my refinance on XX/XX/XXXX which I knew nothing about all these years. This XXXX mortgage was also issued by XXXX XXXX. Due to the requirement of the short sale, we investigated the lienholder and the payoff for this XXXX XXXX. Therefore, Shellpoint advised us to submit the short sale documents with the XXXX XXXX satisfaction listed in there so they can give us a final approval for the short sale. On XX/XX/XXXX, XXXX XXXX  and its servicer, Shellpoint mortgage denied our already approved short sale without a valid reason. Now at this point I am at the verge of losing my home on XX/XX/XXXX.

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