vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
I am disputing an auto loan account being reported by North State Acceptance that is listed as charged off with a balance of {$10000.00}. I dispute this account due to inaccurate and unverifiable information being reported. 
This account shows inconsistencies regarding the charged-off amount versus the original balance and lacks proper documentation supporting the current balance being reported. Reporting inaccurate or misleading information violates the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ).

Pursuant to 15 U.S.C. 1681s-2 ( b ), North State Acceptance is required to conduct a reasonable investigation upon receipt of this dispute and provide verification of the debt, including the original signed contract, a complete payment history, and an itemized explanation of the balance being reported.

If North State Acceptance can not provide full verification and documentation to substantiate the accuracy of this account, I request that the account be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My Issue is with Bank of America and their failure to communicate between departments specifically the Estate, Customer Service and Loan and departments. 

Last year, my mom passed away and immediately I informed the bank along with documents of her passing. I also informed them of my intent to keep the house. 

However due to an issue with her will, until I went through probate, I was unable to access her financial accounts including insurance payments and thus was unable to make mortgage payments. The estate department was informed and they along with myself notified Customer service added notes to the account. The Loan department did not get this info.

By XXXX, I was informed the house was now in foreclosure not by the bank but by numerous " realtors '' calling and showing up to my door uninvited causing me distress. I again called the Estate, Customer service and the loan department informing I was waiting on the Probate court and again once again notes were added to the accounts. 

Finally in XXXX, my case was settled and again docs were sent to have everything under my name. Payments were settled and the house was taken out of foreclosure. 

Now I have been just informed again through an uninvited realtor at my door, that the house is again in foreclosure and again despite a letter and docs, the equity loan is not under my name and though payments are being made, they are unable to provide any info. The Loan dept is also very defensive and unwilling to help.

I have also written a corporate complaint letter regarding the failures in communication and their response was essentially " nothing we can do. '' Customer service over the phone is basically the same but with long hold times and being bounced around ( last call was 4 hours in total ). The branch is much better and they act as advocates but all they all they do is call customer service. We have also been with his bank for 30 years and they have flushed our loyalty down the drain.

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 2026-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Commercial Audit Inc
State: TN

Complaint narrative:
Summary of Issues : Improper Debt Validation : When I requested a debt validation letter, the agency provided only a PDF statement from the urgent care clinic. 

Incorrect Address : The statement contained an outdated mailing address from over a year prior to the clinic visit. I had moved twice since then and submitted mail forwarding each time. If they had mailed a statement, I would have received it. I never received a notice to collect a debt. 


Missing Itemization and Insurance Processing : The statement lacked itemized charges and showed no attempt to bill my insurance. At the time of service, my daughter was covered under my insurance, and the clinic accepted that insurance. 


Inflated Debt Amount : The original medical debt was under {$500.00}, which is not reportable to credit bureaus. However, the agency inflated the amount to {$510.00}, seemingly to exceed the {$500.00} threshold for reporting. This is deceptive and unethical. 


Unprofessional and Misleading Communication : When I requested a proper validation letter, the response stated that what they sent was what is required and implied that I should assume responsibility because I remember taking my child to urgent care. This language is condescending, unprofessional, and misleading. 

Finally, after calling the billing office on the statement, they confirmed that I had a {$0.00} balance due, and this is not because the debt was bought by a debt collector, but because I did not have any balance due since insurance was charged and I was covered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint regarding Citibank, XXXX refusal to reconsider the closure and reinstatement of multiple credit card accounts despite my requests for a manual review and clarification. 

Citibank closed the following accounts and has refused to reopen or reconsider them : Citi XXXX Preferred ( ending XXXX ) Citi / AAdvantage XXXX XXXX XXXX ending XXXX ) Citi XXXX XXXX  ( ending XXXX ) Citi XXXX ( ending XXXX ) Citi XXXX XXXX ( ending XXXX ) Citi states that the denial is based on late or returned payments within the last XXXX months, but has failed to demonstrate that any individualized or manual review was conducted. Their response is boilerplate and does not address mitigating circumstances, corrective actions taken, long-standing account history, or proportional decisioning across multiple accounts. 

Additionally, Citi deflects responsibility to credit reporting agencies, which does not address Citis independent obligations as both a creditor and a furnisher under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Citi has also failed to clarify whether all information furnished to consumer reporting agencies is accurate, complete, and contextual.

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 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am filing this complaint regarding improper auto loan servicing due to conflicting payment due dates between Navy Federal Credit Unions online account portal and my loan statement.

Navy Federals online auto loan portal showed that my payment was due on XX/XX/XXXX. I relied on the due date displayed in the online portal, which is the consumer-facing system Navy Federal provides for members to manage their loans.

When I later reviewed my loan statement, it reflected a different due date than the one shown in the online portal. Navy Federal has stated that they rely on the statement rather than the online portal, despite the portal showing a XX/XX/XXXX due date. 

I made my auto loan payment on XX/XX/XXXX. The payment was accepted and posted by Navy Federal. After the payment posted, my online account updated to show my next payment due on XX/XX/XXXX, and did not reflect any delinquency or late fee. 

Despite this, Navy Federal assessed a late fee based on the statement due date, even though the online portal showed a XX/XX/XXXX due date and did not indicate that my account was past due. Members should be able to rely on the accuracy of the payment due date displayed in Navy Federals online system. Penalizing a member based on internal records or statements that contradict the online portal constitutes inaccurate disclosure and improper loan servicing.

This issue occurred after I submitted a formal complaint to Navy Federal on XX/XX/XXXX, and I am concerned that adverse servicing action was taken following that complaint rather than based on clear and consistent account information. 

I am requesting removal of the late fee, correction of account records, written confirmation that my account is current, and confirmation that no negative credit reporting has occurred or will occur.

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 2026-01-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Since XX/XX/year>, my Citi XXXX XXXX has been repeatedly provisioned into XXXX XXXX without my authorization. I have never enrolled any Citi card in any digital wallet, and XXXX confirmed no wallet is or was ever linked to my name or devices. 

Despite multiple written and verbal requests to block digital wallet enrollment, Citi continues issuing replacement cards that automatically attempt provisioning. Citi has issued at least five cards and closed four due to repeated fraudulent XXXX XXXX token attempts, yet the underlying issue continues. 

In one CFPB response ( XXXX XXXX ), Citi confirmed the account was locked, had no digital wallet tokens, and credited the unauthorized charges. In a later response ( XXXX XXXX ), Citi reversed its position, removed the credits, and blamed me and/or my devices, stating activation attempts suggest someone knows your credentials. Both written responses contradict each other and ignore Apples documented confirmation that no wallet is active.

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 2026-01-11 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Our nonprofit organization had a PayPal account ( XXXX ) used to receive donations in support of vulnerable children, mothers, and families in rural XXXX. 

We became aware in XX/XX/year> that the account had been permanently deactivated. It is possible the deactivation occurred earlier, but we only noticed when attempting to access the account. PayPal indicated that the closure was due to unusual activity. Reference ID ( case number ) : XXXX All prior account activity was legitimate and authorized. During setup of donation functionality on our official website, an authorized volunteer affiliated with our XXXX office assisted with technical configuration. All account access was approved by the account owner using PayPals two-factor authentication. No fraudulent or unauthorized activity occurred. 

We submitted a formal appeal to PayPal on XX/XX/year>, requesting review and possible reactivation of the account. To date, we have received no response. 

We respectfully request that PayPal review this matter and provide a formal response regarding the deactivation of our account. 

Requested outcome : Review and formal response from XXXX regarding the deactivation. 
Reactivation of the account if possible, or guidance on alternative resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation
State: MS

Complaint narrative:
Company Name : Albert ( XXXX XXXX ) Issue : Denied access to funds and unfair fee practices Description of Incident : I am a long-standing customer of Albert. I was recently released from incarceration and am attempting to access funds I deposited via a card-to-card transfer. XXXX is currently refusing to release these funds or refund them to the original source because I do not have a standard state-issued photo ID. 
I have provided Albert with the following government-issued documentation to establish " reasonable belief '' of my identity under XXXX XXXX XXXX guidelines : Government-Issued Prison/Inmate ID : This includes my legal name, photograph, and physical descriptors. 
Social Security XXXX : To verify my taxpayer identification number. 
XXXX XXXX : A photograph of myself holding the ID for visual confirmation. 
Despite these documents, Albert refuses to XXXX me access to my money. Furthermore, Albert has historically engaged in unethical practices by continually deducting subscription fees and other funds from my linked accounts throughout the entire duration of my incarceration, even though I was unable to use or access their services. 
Albert had no issue verifying my identity to take money from my accounts for years, but is now using a lack of " standard '' ID to withhold my funds upon my release. I have thoroughly documented my history with this company via screenshots and account statements.

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 2026-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX to Mr. Cooper in XX/XX/year> while I was in an approved disasterrelated trial loan modification following Hurricane XXXX. I made all required trial payments on time. Since the transfer, Mr. Cooper has failed to recognize or finalize the modification and repeatedly states that there is no update. 

I did not receive proper servicing transfer notices. My lossmitigation file was not properly transferred, and my payments have not been credited consistent with the approved trial modification. Despite compliance, XXXX XXXX is reporting late payments on my credit report, severely damaging my credit and ability to obtain lending. 

This conduct appears to violate RESPA lossmitigation continuity requirements, servicing transfer rules, and the Fair Credit Reporting Act. I am requesting immediate recognition and completion of the transferred modification, correction of credit reporting, removal of accrued fees/interest, application of trial payments to outstanding balance, and written confirmation of my account status. 

I have documentation of payments and approval and request executivelevel review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This account was a charged off account on my credit report after making arrangements with original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Good afternoon, I am writing to formally dispute inaccurate information that is currently being reported on my credit report. I have already taken the appropriate steps to address this matter. 

I submitted an identity theft report with the Federal Trade Commission ( FTC ) online and included supporting documentation, along with a police report. Additionally, I sent dispute letters and copies of this documentation to the credit bureaus and the creditors involved. 

Despite these efforts, the inaccurate information remains on my credit report. I am requesting that this matter be reviewed promptly and that all inaccurate or fraudulent information be corrected or removed in accordance with the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I filed a complaint regarding Discrimination on behalf of TD bank on XX/XX/XXXX. 
Since then my primary account has been restricted. I am no-longer eligible to utilize automatic bill pay. Bill pay is a primary resource that i rely on that ensures that my important bills are drafted in a timely manner on a monthly basis. 
I also re-applied for a small personal loan and i was denied with-in two minutes. I have not received any documentation regarding why this decision was made. 
i have been a TD customer for over five years. I opened a business account with TD bank in XXXX. I have never qualified for a small business loan to help assist me with growing my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
I had a mortgage with Onity/Ocwen from XXXX to XXXX - I had a bad mortgage loan. My condo went into foreclosure in XXXX. I am still trying to recover from the financial ruin.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These transactions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: PR

Complaint narrative:
Cavalry Portfolio Services , LLC is a third-party debt collector and not the original creditor. Cavalry is attempting to collect and furnish information regarding an alleged debt that I do not recognize. As a debt collector, Cavalry has no independent legal authority to collect or report this account without producing competent and admissible evidence of ownership and authorization.

I timely disputed the alleged debt in writing and requested lawful debt validation. This included a request for a copy of any alleged contract or agreement, proof of ownership and a complete chain of assignment from the original creditor, and documentation showing that the debt was reasonably verified with credit reporting agencies.

Cavalry failed to provide any of the requested validation. No contract, no proof of assignment, and no evidence demonstrating a reasonable investigation or lawful verification was produced. Despite this failure, Cavalry continues collection and/or credit reporting activity.

Cavalry has not demonstrated that it conducted a reasonable investigation or that the alleged debt was verified using competent evidence. Continuing to collect or furnish an unsubstantiated account after a timely dispute exposes Cavalry to regulatory and legal risk for furnishing information without proper support. 

Given the lack of documentation establishing Cavalrys authority or the validity of the alleged debt, continued reporting or collection is improper.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 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: TX

Complaint narrative:
My cash app was closed they said due to gambling and its not gambling I have some games downloaded that have in app purchases so that's what I dod amd they closed my cash app out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year> I noticed in my the wells fargo banking application that my savings account was closed. I recently opened the account in XXXX of 2025. I contacted Wells Fargo on 2 occasions and spoke with XXXX and XXXX who both confirmed that wells fargo can close an account due to inactivity after 30 days. I have a checking account linked which I have used multiple times ( same card ) .There is no indication in the terms that I must have money available in both accounts. There was never any fraud nor notice of the account closing. This is affecting my credit and I still have money in the wells fargo checking account linked to savings account. They never gave me an option to put the account in good standing by adding money. I also pay a monthly fee. Both of the representatives advised that they can close an account after 30 days due to no inactivity and does not provide notice of this to the customer. Closing an account that is linked to another account that is being used with no fraud and no alert to the customer is illegal. 
I spoke with XXXX who is a supervisor on XX/XX/XXXX of 2025 and I spoke with XXXX on XX/XX/year> who denied my request to speak with a supervisor or manager. To this date I have never received a paper statement from the savings account which is linked to the checking and I applied for back in XX/XX/year>. If the accounts are indeed separate, then where are my savings account statements from XXXX and XXXX of XXXX? Also I received a promotion bonus of {$120.00} from Wells Fargo due to the amount of deposits made to the account within the first 30 days.

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