vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WY

Complaint narrative:
Dear XXXX XXXX XXXX, I am escalating this matter directly to you due to the unacceptable and repeated failure of First Interstate Bank representatives to respond to a substantial agricultural lending opportunity that my wife and I have pursued for over a month. 
We met in person with XXXX XXXX at the XXXX branch to discuss expansion financing, including acquisition loans for two prime irrigated properties and cattle financing. Despite promises of follow-upincluding a referral to a colleague named XXXXwe heard nothing, forcing us to secure alternative cattle financing elsewhere. 
I then submitted a detailed follow-up letter to XXXX on XX/XX/2026 ( enclosed ), outlining the full opportunity. Receiving no response, I contacted your main branch in Billings and was told to speak to XXXX XXXX XXXX, whom I was assured that he would " look into it. '' To date, XXXX XXXX has also failed to respond. 
This pattern of complete silence from multiple levels of your organization is not only unprofessional but frankly damaging to First Interstate 's reputation as a community-focused bank in Wyoming. We have been loyal customers of First Interstate Bank for over 20 years, maintaining multiple accounts and loans in good standing throughout that time. We expected far better treatment from an institution we have supported for two decades.

While we have now progressed significantly with competing lenders, we are still willing to consider First Interstateif your institution is serious about competing for quality business like ours. 
The opportunity details remain : Property 1 : 625 acres ( 425 irrigated via XXXX  ) {$4.00} XXXX Property 2 : 240 acres ( 140 irrigated via XXXX XXXX XXXX XXXX ) {$1.00} XXXX Additional : Approximately {$1.00} XXXX for a starting herd of older bred solid-mouth XXXX cows Total financing request : {$6.00} XXXX These contiguous properties total 865 acres with 565 irrigated acres yielding ~4 tons/acre of premium hay, supporting a self-sufficient 640-head cow-calf operation plus ~ {$25000.00} annual net rental income. 
Projections : Gross income : ~ {$1.00} XXXX Operating expenses : ~ {$330000.00} Net cash flow before debt service : > {$960000.00} Debt service coverage : Approximately XXXX We provide additional free-and-clear irrigated collateral and exceptional personal qualifications. 
I demand an immediate response from executive leadershipno later than XX/XX/2026 confirming whether First Interstate intends to pursue this transaction and outlining concrete next steps. Absent a timely and substantive reply, we will finalize financing with other lenders and take all of our banking business elsewhere. 
If necessary, please escalate this directly to President and CEO XXXX XXXX XXXX. 
I am available immediately for discussion and expect prompt resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
I am submitting a complaint regarding inaccessible cryptocurrency assets held by XXXX XXXX XXXX XXXX XXXX 

I deposited approximately XXXX XXXX  into XXXX XXXX ( staking ) on XX/XX/XXXX and XX/XX/year>. On XX/XX/year>, a redeem ( unstake ) transaction for the full amount was completed. 

Despite the completed redemption, my principal assets have not been returned to my available balance and remain inaccessible for over one month. 

XXXX Support has stated that XXXX  staking is currently unavailable and that my funds are safe, but they have not provided a clear explanation or a specific timeline for when I will regain access to my assets. 

I believe this constitutes an unreasonable delay and failure to provide access to customer funds. I respectfully request assistance in obtaining access to my assets or a clear resolution timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The account was payed off XX/XX/XXXX but it has continued to accrue minimum interest monthly. XX/XX/XXXX charged {$2.00} XX/XX/XXXX charged {$2.00} XX/XX/XXXX charged {$2.00} I asked for written confirmation that includes the final pay off balance and that all interest/fees be stopped. They refused to say in writing that no additional finance charges would be posted after payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: IL

Complaint narrative:
I had an interest rate of 5.25 % @ {$500000.00} and was underwater in debt so I looked for a way to use my equity to pay off debt but the company took advantage of my inexperience and had me pay over {$20000.00} in points for a 6.5 % @ {$530000.00} in XX/XX/year> I don't know what to do and I need help. I'm looking into refinancing with an XXXX  with a reputable company but I don't know if this is even possible while I owe more than my house is worth. 

The company is called Mutual of Omaha but they handed my loan over to XXXX within the first month of the loan which is a huge red flag in itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding Cash Apps handling of a fraudulent chargeback that resulted in an incorrect negative balance on my account. 

On XX/XX/year>, an unknown individual sent me an unsolicited payment of {$990.00} through Cash App. I did not request or authorize this payment. Shortly afterward, the sender repeatedly contacted me and pressured me to return the funds, including making threatening statements about law enforcement involvement. Acting in good faith and to avoid further harassment, I returned the {$990.00} to the sender through Cash App. 

After I returned the funds, the sender initiated a dispute/chargeback for the original payment. As a result, Cash App debited my account an additional {$990.00}, leaving my account with a negative balanceeven though I did not benefit from the funds and had already returned them. 

I submitted a dispute to Cash App explaining that this was an unsolicited payment and a known scam scenario. Despite providing accurate information, Cash App denied my dispute without clear explanation and has refused to reverse the negative balance. Cash App has also stated that they can not override the decision but offered to provide documentation upon request. 

This situation has caused financial harm, and I believe Cash App failed to properly investigate a common and documented scam involving unsolicited payments and chargeback abuse. I am requesting that Cash App : 1. Reverse the {$990.00} negative balance 2. Correct my account records 3. Provide transparency regarding the dispute decision I acted in good faith at all times and should not be held financially responsible for fraudulent activity initiated by another user.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
On XXXX my vehicle was repossessed. Recovery agent hired by Exeter financial hooked up my vehicle with all XXXX XXXX  inside. The agent then opened door and instructed children to exit vehicle. Agent clearly breached peace and violated my rights on behalf of Exeter financial. This was caught on camera.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On my credit Bank of America, XXXX, loan from XXXX XXXX  are scam. They're not mine. I've been scammed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a cyber liability claim with a police report affidavit from the compromised email XXXX. My account XXXX XXXX XXXX. was not registered with the affidavit from the business account litigation settlement administrator compromised with the class action settlement with a citation barring my account policy. Account superceded the amount lotted from my insurance company. I have a victim of fraud alert to set up a police report for account policy compromise with a data breach reverse mortgage account scam. My account litigation sent a policy holder with the marketplace to file a data breach with my account dispute of a bankruptcy reverse mortgage ID restoration. Considering the XXXX affidavit business account scheme showed a relationship with a policy in a reverse mortgage inaccessble email compromise account data breach from my credit report policy with XXXX XXXX. My account was showing a digital footprint scan with a fraud alert of my account from a hacked data breach policy holder in reverse mortgage cyber liability claim showing a cyber extortion fraud of embezzlement. From the duty of the branch report with litigation settlement class member proposed a settlement hearing for bankruptcy data breach extortion of a inaccessible compromised data breach bankruptcy in reverse mortgage failures. I have a account hack investigation not able to dispute my account with the litigation attorney from the tax lien was just paid off in 2024 with the insurance policy fraud showing a account policy data breach with digital footprint scan. I set a claim for the business account and the settlement administrator filed the lawsuit with secured credit report in breach of contract with my credit bureau. I wanted to escalate the case over to support with the insurance fraud liability claim for a data breach reverse mortgage bankruptcy dispute for account take over fraud with my business account tax fraud affidavit XXXX subpoena.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I enrolled in PNCs low-balance text alerts and did not receive any notification before overdraft fees were assessed. I relied on this account feature to avoid fees. Customer service acknowledged the alerts were enabled but refused reimbursement. I am requesting reversal of the overdraft fees due to failure of the alert system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to address the recent communication from the credit bureaus stating that the furnisher has verified the bankruptcy information reported on my credit file. I would like to clarify that I received a letter directly from the courthouse in XXXX regarding this matter. 
The correspondence from the courthouse appears to contradict the information provided by the credit bureaus and the furnisher 's verification. I respectfully request that this discrepancy be reviewed and that the credit bureaus provide further details on how the bankruptcy verification was conducted, including any documentation or evidence supporting their determination. 
Additionally, I ask that the CFPB ensure that the furnisher and credit bureaus are accurately reporting information in compliance with all relevant laws and regulations. If necessary, I am prepared to provide the letter from the courthouse to support my claim and assist in resolving this issue.

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 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to address the recent communication from the credit bureaus stating that the furnisher has verified the bankruptcy information reported on my credit file. I would like to clarify that I received a letter directly from the courthouse in XXXX regarding this matter. 
The correspondence from the courthouse appears to contradict the information provided by the credit bureaus and the furnisher 's verification. I respectfully request that this discrepancy be reviewed and that the credit bureaus provide further details on how the bankruptcy verification was conducted, including any documentation or evidence supporting their determination. 
Additionally, I ask that the CFPB ensure that the furnisher and credit bureaus are accurately reporting information in compliance with all relevant laws and regulations. If necessary, I am prepared to provide the letter from the courthouse to support my claim and assist in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: ME

Complaint narrative:
I am submitting this complaint regarding SoFi Banks decision to close my checking account without providing a valid reason. I have been a customer in good standing and have not violated any account terms to my knowledge. SoFi informed me that my account would be closed but did not give a specific explanation beyond vague references to internal policies, leaving me without a clear understanding of what I allegedly did wrong or how to avoid this outcome.

The timing of this closure is particularly concerning. I filed a CFPB complaint against SoFi last month regarding a separate issue, and shortly after that complaint was submitted, SoFi initiated the closure of my checking account. Given the lack of any stated cause and the close proximity in time to my prior CFPB complaint, this action appears retaliatory in nature.

Closing my checking account has caused and will continue to cause significant inconvenience and potential financial harm, including disruption to direct deposits, bill payments, and other everyday banking needs. At a minimum, I believe I am entitled to a clear, good-faith explanation for why my account is being closed and assurance that SoFi is not penalizing customers for exercising their right to file complaints with a federal regulator.

I am requesting that the CFPB review this matter, require SoFi to explain the specific basis for the account closure, and determine whether this action constitutes retaliation for my prior CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
THE DEPT COLLETION AGENY HARRIS AND HARRIS LTD, PUT A NEGATIVE COLLECTION FOR {$1000.00} THAT EFFECTED MY CREDIT SCORE TREMENDOUSLY, WITHOUT NOTIFYING ME, MISPELLING MY NAME AND ALSO REPORTING THE WRONG ADDRESS.

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 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: CA

Complaint narrative:
Company keeps harrasing me by sending letters in the mail, calling my phone non stop and texting my phone about collecting a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized debit card transactions on my SoFi checking account totaling approximately {$200.00} over a two-month period. 

I did not authorize these charges. As soon as I noticed them, I reported the transactions to SoFis fraud department, provided a detailed explanation, and canceled my debit card to prevent further unauthorized use. Despite this, SoFi denied my fraud claim twice.

I believe SoFi failed to properly investigate my claim as required under the Electronic Fund Transfer Act ( EFTA ). I have not received a sufficient written explanation identifying evidence that the transactions were authorized. I did not benefit from these transactions, nor did I share my card or PIN. 

This situation has caused ongoing XXXX  and financial hardship. I am requesting reimbursement of the unauthorized charges and a written explanation of the investigation findings in compliance with federal law. 

Product : Checking account Issue : Unauthorized transactions / debit card fraud Desired resolution : Refund of unauthorized charges and written explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
There was no live agent to speak with about charges and money not being refunded after disbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XX/XX/2025, I sent a written debt validation request to Midland Credit Management pursuant to FDCPA 809 ( b ), requesting validation of the alleged debt, including proof of ownership, chain of title, and an itemized accounting of the balance.

Midland Credit Management failed to provide any response or proper validation of the alleged debt.

Despite failing to validate, Midland continues to report this collection account to XXXX XXXX, and XXXX. I also disputed this account with the consumer reporting agencies under FCRA 611 ( a ), citing Midlands failure to validate. The account remains reported.

Midlands continued credit reporting without providing validation constitutes improper collection activity and inaccurate reporting in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had work done on a commercial vehicle by a merchant and the service provided was incomplete and faulty. They demanded payment to release my vehicle and I disputed the charges. The credit card company did not relay the information i provided to visa and they sided with the merchant. I later won and settled outside of civil court with the merchant but I did not recover all of my losses and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
Due to being categorized as Totally and permanently XXXX by the military, paperwork for the discharge of my student loans was automatically submitted on my behalf. This was honored immediately by XXXX and all of my loans handled by their company were discharged on XX/XX/year>. Mohela however claims they were notified of my application for approval on XX/XX/year> ( I never submitted an application ) and that it will possibly be months before they discharge my loans they are handling. Upon the notification of my discharge they promptly reported my loans delinquent which caused a XXXX point reduction to my credit score. I have inquired why XXXX could discharge my loans promptly once the VA informed them of my XXXX  Discharge eligibility by they claim the same process takes months. I was told they are waiting for the approval of my application for discharge, but again there was no application process. I didnt even know this was something I was eligible for. I simply received notification of it and told there was nothing to do on my end but request that it be applied immediately rather than wait for the automatic activation. I called XXXX and it was done immediately. Mohela has yet to discharge my loans two months later and this has caused hardship due to my credit report looking abysmal after they reported them delinquent AFTER my discharge. I keep contacting Mohela even filing a XXXX  complaint but they keep giving me the same automated like responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
XXXX XXXX  closed account with little to no notice, to advise the account was closed due to returned payment. The bank used to send monthly payment was my secondary bank and rarely use it, and for some reason the monthly payment did not go through due to their ineptness possibly. Used the primary bank to resend payment and was on-time and before due date. There was no one-time grace or customer appreciation for being loyal to using XXXX brand . 
Also, suspect discrimination due to perceived elements, such as my name, and a returned payment. 

A payment to XXXX XXXX was also returned using the secondary bank. Again, used primary bank and made payment before due date. XXXX XXXX did not close 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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS LLC Are reporting on my credit report that I owe them {$810.00} on an account that does not belong to me. I have contacted them multiple times about their negative reporting to my credit report with no response.

Company response to consumer: Closed with explanation