vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: FL

Complaint narrative:
I enrolled with National Debt Relief ( XXXX ) after being told they would begin negotiating my credit card debt within approximately XXXX  days. Instead, my creditors went unpaid for over XXXX months while XXXX continued withdrawing money from my bank account. During this time, XXXX did not contact my creditors, did not notify them of my enrollment, and did not take any meaningful action on my accounts. 

Because XXXX failed to notify my creditors, I received constant phone calls, emails, and threats of wage or asset garnishment. My accounts became severely delinquent, and my XXXX XXXX dropped below XXXX. XXXX also did not disclose that payments made to them are not reported to credit bureaus, meaning consumers receive no credit benefit while their accounts deteriorate. I specifically requested that XXXX pull my enrollment interview recordings because I felt that several key details including the fact that payments to XXXX do not help your credit were never disclosed to me. 

XXXX also created settlement proposals without my consent, including after I had already cancelled my enrollment. XXXX example : early on, I had given consent for XXXX to accept a small settlement offer from a minor creditor an offer I could have handled myself. XXXX took no action on that offer during my entire enrollment. However, after I cancelled the program, XXXX suddenly processed the payment to that creditor and attempted to count it as a completed settlement. When I contacted the creditor directly, they confirmed they would honor the agreement regardless and had no issue continuing it without NDRs involvement. 

Despite providing no legitimate service for over XXXX  days, XXXX attempted to charge me multiple fees, including {$9.00}, {$9.00}, and a proposal fee. When I disenrolled due to lack of performance, XXXX attempted to retain part of my funds, even though no settlements had been completed during my enrollment and no creditors had been paid until after cancellation. 

In total, XXXX collected money from me while providing no measurable service, failing to communicate with creditors, damaging my credit, withholding material information during enrollment, and attempting to keep fees upon cancellation. Their advertising and sales practices do not match the actual experience, and consumers are not given full or accurate information about the consequences of enrollment. 

I am requesting a full refund of all fees and payments retained by XXXX, and I am reporting these practices because they appear deceptive, misleading, and harmful to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am submitting this statement regarding the garnishment action initiated by Jefferson Capital Systems in connection with a judgment entered against me in 2020.

A

judgment was entered in 2020 for a specific amount. Since that time, the balance owed has either been satisfied, reduced, or does not reflect the amount currently being claimed. However, I have recently been notified that Jefferson Capital Systems is attempting to garnish wages in excess of {$800.00}, which does not accurately reflect the correct balance owed under the original judgment. The amount being pursued appears to be incorrect and/or improperly calculated. I am formally disputing the garnishment amount and requesting a full accounting of the debt, including : The original judgment amount {$1500.00} Any payments made {$750.00} Interest calculations 5.500 % Court costs or additional fees {$83.00} The total balance they claim is currently owed Until proper documentation and verification are provided, I dispute the validity of the amount being collected. I respectfully request that the garnishment be reviewed and corrected immediately to reflect the accurate balance, or be withdrawn if the amount has already been satisfied. 

Sincerely, XXXX XXXX Your Case Number XXXX XXXX XXXXXX/XX/year> If youd like, tell me : What state youre in XXXX XXXX Ive already complained about this company twice, and theyre still sending me papers through the mail about garnishment even though the judgment was made in 2020. I believe I owe them around {$500.00} at this point, as theyve already garnished my pay in the pass twice. Theyre trying to collect {$1500.00} all over again. When thats not the correct amount they send me paperwork over the Mail threatening me that theyre gon na garnish my pay for my part-time job. When the judgment was made in 2020. Theyre lying about the amount and exaggerating in order to garnish me all over again because youre not allowed by law to garnish anyone if its not {$1000.00} or up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — VA 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am submitting this complaint as a formal dispute of a material mortgage servicing error involving the misapplication of a large payment and inaccurate delinquency accounting following a servicing transfer. 

In XX/XX/year>, I made a lump sum payment of {$52000.00} and XXXX additional payments of XXXX each to the prior servicer, XXXX XXXX  XXXX specifically to reduce the delinquency balance. I have bank documentation confirming this payment was received and processed. 

After the servicing transfer to Mr. Cooper, my delinquency balance appears to have been improperly recalculated, and the arrearage has returned to an amount exceeding {$120000.00}, with no adequate explanation or reconciliation of how the {$60000.00} payment was applied. 

XXXX XXXX prior CFPB response failed to address the core dispute : No complete accounting of the payments after transfer No servicing transfer reconciliation or boarding history No explanation for unexplained escrow advances, corporate advances, or suspense activity No documentation supporting any alleged insurance lapse, force-placement, or escrow shortage No correction of inaccurate reinstatement and loss mitigation figures Instead, Mr. Cooper continues XXXX rely on inflated delinquency calculations to offer only an unaffordable trial modification payment of approximately XXXX XXXX, effectively denying access to sustainable VA home retention options. 

This matter appears to involve a servicing transfer/boarding error, payment misapplication, and escrow accounting failure, which materially impacts reinstatement amounts, modification eligibility, and foreclosure prevention rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: LA

Complaint narrative:
I am filing this complaint regarding a collection account being reported by Zions Debt Holdings on my credit report. I formally disputed this debt and requested validation pursuant to the Fair Debt Collection Practices Act. The company has continued reporting this account without providing documentation verifying that I owe the debt, the amount claimed, or proof of their legal authority to collect. I also reached out to the original creditor, and received documentation via email proving that I do not owe this debt, and it is still being reported. Reporting a debt without proper validation and continuing collection activity without verification violates the Fair Debt collection Practices Act and the Fair Credit Reporting Act, which require accurate and verifiable reporting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a written dispute to Cash App ( Block, Inc. ) regarding multiple Cash Card transactions for digital subscription content that was authorized but not delivered or accessible as advertised. The dispute identified my account, Cash Card ( last four digits XXXX ), and included supporting documentation and screenshots showing repeated media-loading failures. 

USPS tracking number XXXX confirms the dispute was delivered to Block , Inc. at XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> at XXXXXXXX XXXX 

The dispute involved numerous XX/XX/year> Cash Card transactions from XXXX XXXX XXXX XXXX XXXX XXXX for subscription-based digital content that consistently failed to load or play despite repeated attempts using both mobile and home internet connections. The total disputed amount is {$430.00}. 

Because of the number of transactions involved, I submitted the dispute in writing with documentation rather than attempting to handle the matter through the mobile app or telephone support. 

On XX/XX/year> at approximately XXXX XXXX  XXXX, I contacted Cash App customer support by phone to confirm the status of the dispute. I was told there was no record of any dispute being filed. 

I have received no written acknowledgment of my mailed dispute, no investigation notice, and no provisional credit. 

I am requesting that Cash App : Acknowledge receipt of my written dispute Investigate the disputed Cash Card transactions Provide a written determination Refund the disputed amount if the services were not delivered I am submitting this complaint because my written dispute was delivered but appears to have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: CA

Complaint narrative:
I disputed an alleged eviction collection account with Columbia Debt Recovery LLC ( Genesis ) on XX/XX/XXXX, XX/XX/XXXX, and the last notice XX/XX/year> and requested full validation including court judgment, lease ledger, and proof of responsibility. 

The company has failed to provide any documentation and has not responded at all. Despite this, they continue reporting the account on my credit reports. 

Because they have not validated the debt, the information can not be considered accurate or verifiable under the Fair Credit Reporting Act and FDCPA 1692g ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: HoldCo LLC
State: NC

Complaint narrative:
On XX/XX/2025, I was spoofed into depositing {$5000.00} into a Bitcoin Depot ATM. Bitcoin Depot realized that the deposit seemed suspious and froze/suspended my account/the deposit. That part is fine. 

I was told that I would receive a full refund within 30 business days. I've been calling and calling Bitcoin Depot since that 30 business day period to try to get my desperately needed refund. They've been telling my that my refund is just about ready to send out since XXXX. 

My idenity was stolen and used fraudulently shortly after I moved from to XXXX from XXXX for work but before I was terminated from that job in XXXX. That seems to be where this all started. 

But I need my refund ASAP and Bitcoin Depot is not giving it to me or any kind idea when that may be. The 30 business day window shut early in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Complaint XXXX XXXX Bank of America Case # XXXX This complaint is regarding the failure of Bank of America ( BofA ) Credit Card Services to issue me the XXXX XXXX Credit Card Sign-up bonus points worth {$300.00} in a timely manner. I was planning to use these points on our upcoming cruise on XX/XX/XXXX XXXX. We had specifically applied for this Credit Card after talking with a BofA Agent who assured us that BofA would be awarding these Sign up Bonus Points immediately after we met the {$1000.00} spend requirement. I quickly met that commitment as soon as we received the credit card. I kept on waiting but did not receive any points. To make matters worse, I further wasted our time by communicating with BofA Executive Response call center agent who was not interested or willing to help resolve the issue but continued blaming me for listening to the BofA Agent. After the cruise, I even spoke to a supervisor with the Executive Response team who assured me to allow him time to seek a resolution. In return, we only received more pre-rehearsed responses of denial. 
I received a Generic denial letter basically stating that the bank adhered to there terms of the offer along with a copy of the Program Rules Their denial letter from BofA ( for not offering a resolution ) to this issue directly contradicted their own Program Rules document as to how soon we would earn the Points. " For new Cardholders, earning of Points may begin immediately upon processing of account opening. '' We can send you their Program Rules document which we highlighted to show their delay in receiving these points.

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 2026-02-17 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: Zip Co US Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to place a XXXX order using Zip as the payment method. The order did not go through and no food was received. Despite the failed transaction, Zip processed a charge of {$12.00} and opened a payment plan for an order that never completed. I contacted Zip multiple times via phone and was told a refund would be issued within XXXX days and that the payment plan would be canceled. I did not receive any written confirmation, and the refund was not processed within the stated timeframe. The payment plan remains active. I was also advised to contact the merchant ( XXXX ), but I was unable to reach a live representative. I then contacted my financial institution and initiated a dispute. As of today, the charge has not been resolved, the payment plan has not been removed, and Zip has not provided documentation explaining why the charge was processed for a failed transaction. They have charged my account again and plan to charge it XXXX more times again for an order I never received. I have filed XXXX previous complaints on XX/XX/XXXX and XX/XX/XXXX and I haven't heard anything back. I don't have to give away freely to people. Please correct this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: TN

Complaint narrative:
Requested mortgage XXXX XXXX XXXX XXXX, XXXX, emailed application with my financials. Spoke to XXXX XXXX in Loss Mitigation XXXX XXXX, XXXX, she said they were still waiting for documents. I have sent them the death certificate, quit claim deed and my driver license. She told me I was approved as the successor of interest for the property, but they are unwilling to process the mortgage assistance request. Mortgage servicer is not processing my documents. They have referred me to the foreclosure attorney to start XXXX process. I don't want to lose my home to XXXX. I have sent requested documents numerous times they refuse to process my document. i told her I look up CFPB Mortgage lending rules to assist surviving family members this refers to Heirs to take over mortgage when a love one dies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
See attachment Police XXXX case number report See attachment from me to Huntington Bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2026, I deposited a payroll check in the amount of {$650.00} via mobile deposit into my TD Bank checking account. Shortly afterward, my account was restricted. 

I received a generic letter stating that my account is under review, but I was not provided a specific reason for the restriction, whether the check has been returned unpaid, what documentation ( if any ) is required from me, or an expected resolution date. 

As of XX/XX/2026, I am still unable to access my account or my funds. I have contacted TD Bank multiple times and visited a branch in person. Despite speaking with XXXX representatives, I have not received a clear explanation or timeline. 

This deposit was a legitimate payroll check, and the continued restriction without meaningful communication is causing financial hardship. I am requesting : Written clarification of the specific reason for the account restriction. 

Confirmation of whether the deposited check has been returned unpaid by the issuing bank. 

The expected resolution date of the review. 

XXXX restoration of access to my account if no returned item has been received. 

I am seeking prompt resolution and transparent communication regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regions reported my husband and I as XXXX days late when we are not. We were on an approved forbearance plan. We had requested information on what to do at the end of the forbearance if we couldn't pay the monthly payments that were not due during the XXXX  but became due at the end of the XXXX. We requested this information dating back to XXXX, and we didn't hear anything between XXXX and XXXX. In XXXX, we were told to submit a mortgage XXXX XXXX and to wait, and that they would " probably '' allow us to resume our regular monthly payments and add the XXXX  payments to the end of the loan. So we submitted the mortgage XXXX XXXX, and we waited, as advised. We received our XXXX mortgage statement, which clearly stated we would be late as of XX/XX/XXXX so we assumed we would have until XX/XX/XXXX for Regions to decide on the mortgage XXXX XXXX On XX/XX/XXXX, Regions reported us as 180 days late to the credit bureaus despite them sending us a letter giving us until XX/XX/XXXX to provide them with missing information to complete the mortgage assistance application. Also, we had until XX/XX/XXXX to make a payment before we were considered late, and the XXXX days in question were during the forbearance. We notified regions of this issue, and instead of fixing the XXXX  days late notation on our credit bureaus, they went back and deleted the prior XXXX months of " current ' status on our credit reports on XX/XX/XXXX. I pulled money from my retirement account to ensure the monthly payments that were on a XXXX was paid in full on XX/XX/XXXX, before the XX/XX/XXXX late date and before the XX/XX/XXXX deadline Regions provided us. However, our credit still reflects 180 days late. We are a military family and Regions has been less than helpful since we requested XXXX rights ( lower interest rate ). They initially did not want to provide XXXX rights to us until we filed a complaint with CFPB, and only after the complaint with CFPB did they finally update our SCRA status on our account. They have now continued to harass us and are misreporting our information to the credit bureaus despite XXXX following their guidance on how to handle the end of a forbearance period. This is coming at the start of PCS season for the military, which will tremendously impact my military career. Our credit should not be impacted when we followed their verbal guidance, and we paid before the late date specified on our monthly statement. It is unfair for them to mistreat military families and retaliate after requesting our SCRA rights.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
COLL PROFSNL is falsely reporting on my credit. I have never had any accounts with them. Per my research COLL PROFSNL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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