vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: DE

Complaint narrative:
Cavalry portfolio services Amount : XXXX Date : XXXX They are trying to collect a debt that is inaccurate and has been closed for years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Company : Columbia Debt Recovery LLC DBA Genesis Account Number : XXXX Original Creditor : XXXX XXXX Apartments I am submitting this complaint regarding Columbia Debt Recovery LLC DBA Genesis and their collection of an alleged apartment debt originally owed to XXXX XXXX XXXX. I previously requested debt validation and received a response dated XX/XX/year>. The collection agency provided copies of my lease agreement, a resident ledger, a move-out statement, and a letter stating the following : * Original Balance : {$4400.00} * Current Principal : {$4400.00} * Interest Due : {$520.00} * Total Due : {$5000.00} The agency also stated that the account bears interest at 6 % per annum. While the documents provided establish the original move-out balance and identify an amount they claim as interest, the response did not fully address several requests I subsequently made in writing. After reviewing the documents, I mailed a follow-up dispute and accounting request seeking clarification regarding the balance being claimed and reported. XXXX tracking confirms delivery of my correspondence in XX/XX/year>. More than 30 days have passed since delivery, and I have not received a written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems of the Fox Valley, Inc.
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
I called with the intention of setting up a payment plan on my account because I am currently trying to resolve an outstanding balance and improve my situation. During the call, I was informed that payment plans were not available. I explained that I was attempting to make things right because the debt was preventing me from being approved for an apartment. The representative responded by saying, " Well, I guess you ain't ever getting into an apartment. '' I found this comment unprofessional, disrespectful, and completely unnecessary. The conversation then became heated, and at one point the representative brought my deceased mother into the conversation without any reason or relevance to the matter being discussed. Regardless of the circumstances, I do not believe a customer should be spoken to in this manner. I called in good faith to try to resolve an issue, and instead I was met with disrespectful and inappropriate remarks. I am requesting that this call be reviewed and that appropriate action be taken. I would also appreciate a response regarding the outcome of this complaint. Thank you for your time and attention to this matter. Furthermore, I dispute the validity of this alleged debt. To the best of my knowledge, I have never rented an apartment at the complex in question and do not believe this account belongs to me. I am requesting documentation showing the basis for this debt, including any lease agreements, applications, signatures, account records, or other evidence that connects me to the alleged obligation. Until such documentation is provided, I do not acknowledge responsibility for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide " Certified Mail with receipt displaying my signature If not. please delete account # XXXX as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TN

Complaint narrative:
Said company stated the Account was closed due to violation of terms and conditions. Company was asked to provide me with the specific details of the violation and company has not done so. I dont believe any terms were violated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have called since XX/XX/XXXX to Citi bank. For XXXX transactions that are in hold. Its been a total of XXXX days, I continue to receive the ru barons from the front desk people. Supervisors, managers, all gang up on me and continue to wait. I tell them Ive waited more than 10 days and that the transactions failed o nthe merchant side, but Citi bank continues to tell me to wait. I tried to get them to lift the hold but they do not, for temporary credit they do not, for them to help me and I get hung up. They are holding my Money and not releasing it.

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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I sent {$350.00} to XXXX XXXX on XX/XX/XXXX. I was told if I use my bank card the money will be received by my recipient in 2 days, but shortly after I completed the transaction, the confirmation reported that the money will not be received in 9-10 days. However, as I am writing this message, the money has still not been received by my recipient. I have called multiple times and have been given the same apologies with no resolution to the problem. I finally asked for a cancellation of the transaction and a refund, but its still pending and not refunded it paid to my recipient. I even filed a complaint with Remitly directly and nothing has been resolved. I am not wondering if this is a form of fraud, but I want my refund from this complaint and will never use them again or recommend to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ava Finance, Inc
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Ok Cashapp. Listen to me my cashapp is XXXX XXXXXXXX I have been waiting for responses for weeks this is not my first complaint Ive made. Yall responded via email mail then never responded back.But I was in XXXX Texas on vacation XX/XX/year> XXXX days ago from XX/XX/XXXX XXXX made a transaction at a restaurant an all my funds were took for security reasons then days go by an I try to contact cashapp support an they dont see the hold so the investigation is internal or something but I need my money back its been XXXX months and im broke, Im willing to sue or something .yall have a lot of money on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
this account was placed on my credit report and i have no knowledge of this account

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was advised to open a new account for Premier checking because I was bringing in an over {$250000.00} worth of new money into my brokerage account with that I was promised a {$2000.00} bonus. The bonus was never received because they said I did not meet the requirements of the 45 days which I was sick with Covid and I alerted them to that during XX/XX/XXXX and XXXX of XXXX they told me that they were not going to give me my {$2000.00} bonus even though I brought in the new money of over {$500000.00} they didnt investigation and they denied my claim

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 2026-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MN

Complaint narrative:
COMPLAINT I am disputing the accuracy of the late payments reported on mortgage account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I previously disputed these reported late payments directly with the mortgage servicer and also submitted disputes through the consumer reporting agencies. Despite receiving notice of my disputes, the company continues to report these late payments. The company has failed to provide sufficient documentation demonstrating how the alleged delinquencies were calculated or verified. Specifically, I have not received records showing the contractual due dates, payment receipt dates, payment posting dates, complete payment history, or other business records supporting the reported late payments. By continuing to report disputed information without providing adequate substantiation, the company may be violating the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation after receiving notice of a dispute from a consumer reporting agency. The company 's failure to adequately investigate and address my dispute XXXX also constitute a servicing error under RESPA and Regulation X, XXXX C.F.R. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions Bank Product : Mortgage Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX I am filing a formal complaint against Regions Bank for egregious violations of Real Estate Settlement Procedures Act ( RESPA ) Regulation X, specifically regarding Successor in Interest protections ( 12 CFR 1024.30 and 12 CFR 1024.41 ) and dual-tracking restrictions. I am the sole legal owner of the property securing loan number XXXX by virtue of a recorded Quitclaim Deed executed by a relative, which officially terminated a prior life estate. On XX/XX/year>, I submitted a comprehensive Successor in Interest notice, the recorded Quitclaim Deed, and a complete Mortgage Assistance / Loss Mitigation Application directly to Regions Bank via their designated email channels ( XXXX and XXXX ) Under 12 CFR 1024.36 ( c ), Regions Bank had a strict statutory deadline of 5 business days to provide a written acknowledgment of my packet. They completely ignored this requirement and provided no written Furthermore, despite having a complete loss mitigation package actively pending since XX/XX/year>, Regions Bank proceeded to illegally refer the loan to foreclosure after receiving my package. This is a direct violation of the " dual-tracking '' prohibitions under 12 CFR 1024.41, which strictly forbid a servicer from advancing the foreclosure process while a loss mitigation application is pending review. On XX/XX/year>, I spoke with a Loss Mitigation Supervisor who explicitly stated on a recorded line that the Research Department " has not uploaded or reviewed the documents yet, '' while simultaneously claiming that I was " denied '' purely because my name is not yet on the original note. This directly contradicts CFPB mandates which explicitly require servicers to evaluate confirmed or potential Successors in Interest for loss mitigation simultaneously with status confirmation, based on the successor 's household income. The supervisor further threatened an arbitrary deadline of XX/XX/year>, to pay three months of arrears or face immediate attorney escalation.

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 2026-06-09 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XX/XX/year>, I completed a lease buyout through XXXX XXXXJP Morgan Chase Bank . The vehicle had been leased through my employer for my personal use. To complete the buyout, I obtained a Power of Attorney from my employer as instructed by Chase Bank during the payoff process. The purchase was funded through a joint loan for me and my son, along with my personal funds. JP Morgan Chase Bank accepted the payoff funds and sales tax payment. However, the title assignment and bill of sale were issued listing my employer as the purchaser rather than me. The documents also use my personal residential address rather than a company address. I contacted XXXX XXXX multiple times and requested correction of the title assignment. I explained that the purchase was funded through my personal loan and completed under a Power of Attorney. XXXX XXXX declined to correct the assignment and would not provide access to its title department. As a result, I have been unable to properly title and register the vehicle. My lienholder has been unable to record its lien, and my vehicle registration has expired while I continue attempting to resolve the title issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: Block, Inc.
State: AZ

Complaint narrative:
I am filing this complaint against Block Incorporated the parent company of Square. My concern involved the handling of my account and the company 's actions regarding my funds and account access. Despite my efforts to resolve this matter directly with square, I have been unable to attain any satisfactory resolution. I believe that Block Incorporated has failed to provide adequate customer service, transparency and timely resolution regarding my issue. As a result, I have expected financial hardship, inconvenience and uncertainty concerning my funds and accounts status, I respectfully. Request the CFPB investigate Block Incorporated handling of this matter and require the company to provide a full explanation of its actions. Restored restored any improperly withheld funds and take appropriate correct measures to resolve the issue fairly Block , Inc. regarding funds that have been held and restricted for approximately XXXX months despite my repeated efforts to resolve the matter and transfer the funds to an active bank account. Square placed a hold on funds belonging to my business and has failed to provide a reasonable resolution. During this period, I have complied with requests for information and verification and have maintained communication with their support team. However, despite the account being active and alternative banking information being available, Square has refused or failed to transfer the funds to my designated account. The prolonged withholding of these funds has created significant financial hardship and has negatively impacted my ability to conduct normal business operations. I have received inconsistent responses from customer service and have not been provided with a clear explanation as to why the funds remain inaccessible after such an extended period. My concerns include : - Square 's continued retention of my funds for approximately XXXX months. - Failure to transfer funds to an active bank account despite requests and available account information. - Lack of transparency regarding the status of the funds and the reason for the delay. - Failure to provide a reasonable timeline for release of the funds. - Financial damages resulting from the inability to access money that rightfully belongs to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
A guy stole my phone and he sent his self {$400.00} on cash app it was my savings man I really need this money back and cash app is giving me no ends to the no game no no no no no is all they're saying

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
On XX/XX/year> XXXX XXXX and myself, XXXX XXXX were divorced. In the divorce I was awarded the home at XXXX XXXX XXXX XXXX MI XXXX. I remortgaged the home per the divorce papers and the remortgage was only in my name. XXXX XXXX was no longer on the mortgage. I remortgaged with XXXX XXXX XXXX in ONLY my name. All correspondence from XXXX XXXX XXXX including payment statements etc. were only in my name. Select Portfolio Servicing in Utah assumed my mortgage from XXXX XXXX XXXX. All correspondence from Select Portfolio Servicing was ONLY in my name, including payment statements etc. A few months after Select Portfolio Servicing assumed my mortgage, they illegally re-added my ex-wife 's name to my mortgage! I have called them, sent several letters with documents proving that I am the only one on the loan but they continue to say say I need to remortgage my loan to get my ex-wife 's name off the mortgage! I have a very low interest, XXXX therefore they want me to remortgage to get rid of the low interest rate. I really need help to get this matter resolved to have Select Portfolio Servicing remove my ex-wife 's name off my mortgage once and for all! I don't know what else to do to have this taken care of. I have added the last letter I sent to Portfolio Servicing to get this taken care of.

Company response to consumer: Closed with explanation