vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
I called on XX/XX/year> to settle this debt. During a hand-off, I overheard an employee, XXXX ( I think ), speak to the XXXX XXXX, about me speaking to another employee, XXXX, about me. When I confronted them, they refused to acknowledge their rude, unprofessional manner. Very dismissive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
A debt collection agency, ConServ, has been calling and sending numerous text messages about an alleged debt I owe. I have never received a written debt validation letter, or any written correspondence from them. That company is threatening to put this collection on my credit report by XX/XX/year>2026 if I don't pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Someone obtained my checking account information and charged {$4700.00} to my Bank of America checking account, using the money to buy a card on a website, the charge being more than I had in the account and being withdrawn by someone named XXXX XXXX and not me. Despite this being an obvious fraud charge and suspicious, Bank of America didnt flag it as fraud and not only let them empty my checking account, but also take the additional money charges from savings account removing over {$1000.00} from my savings, which shouldve been flagged as suspicious. I filed a fraud claim but bank of america is telling me that I might not hear back about it for XXXX business days, which brings us to XXXX, and I have rent and bills due before then. Considering this is an obvious fraud charge that Bank of America shouldve caught, I cant wait XXXX days to get my money back when I have bills due and the fraudster took most of my money. Bank of America should have never let someone under a different name withdraw more money than I had in my checking account, the majority of the money I had in all of my accounts, to a XXXX XXXX XXXX XXXX, without sending me a fraud suspicious notice. I had to discover the fraudulent charge on my own because my account was XXXX. I need the money back in my accounts ASAP before rent and bills are due, considering Bank of America failed to flag an obviously suspicious charge.

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 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
My cc statements should cut on the same date every month. This isn't happening with this card. I have statements that show different dates from my target card. This shouldn't be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have several times called to let the reps know that both my checking and savings will not have any funds coming in as I am not being paid since XX/XX/year> for my XXXX. Whatever little I had in there the bank took it from both accounts for fees of {$12.00} and XXXX XXXX monthly. I called and told them several times the situation. Also Extreme wait times to get through to Customer Service of XXXX to XXXX hours with no help at all just continuously listening to the same message which I have screen shots of. I have been over XXXX years of banking as a XXXX never for Bank of America though, I have never in all my years experienced horrible customer service than this before in my life.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 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 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Issue : Escrow / refund / servicing I was issued an escrow check almost XX/XX/XXXX years ago and it was never cashed. Resolution : Reissuance of the uncashed escrow/property tax refund check I tried calling the numbers provided but was unable to talk to an operator. XXXX number is only a machine and theXX/XX/XXXX number says its no longer in service. Also the website above says Im blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXXXXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX : {$200.00} I reported these transactions as fraud immediately, and I was told an investigation would take place. My account was given a credit for the total. However, on XX/XX/XXXX I opened an email dated XX/XX/XXXX stating that my claim was declined because the merchants supposedly verified the transactions as legitimate. My account was charged the second time for the same amounts today, XX/XX/XXXX. I contacted both merchants directly, and neither could provide any indication that Capital One reached out to them for verification. This raises serious concerns about whether a proper investigation was conducted. The transactions happened online, and the merchandise was picked up at stores in XXXXXXXX XXXX I live in XXXX. I also contacted customer service and spoke with three representatives : " XXXX XXXX '' ( ID XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). None provided meaningful assistance, and the experience left me with the impression that my concerns were not being taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I just noticed my account was closed. The bank closed my account without my knowledge, Ive never received any statements. Any letters in regards to any closures. When I contacted them to see if I can possibly get the account open, the agent stated that she couldnt help with that, so Ill probably have to go inside a branch then when I asked for information of the closure of the account as far as getting it in writing, she stated that she couldnt assist me that with that over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
FROM : XXXX XXXX PHONE : ( XXXX ) XXXX XXXX EMAIL : XXXX RE : Request for XXXX Research and Correction Dear Research Department XXXX XXXX am requesting an urgent review and investigation regarding incorrect FHA/XXXX default reporting associated with my FHA loan. The XXXX system is currently reflecting an unresolved FHA default ; however, the information is incorrect and should be corrected and cleared from HUD records. The foreclosure has already been finalized on XX/XX/year> and transferred back to Ameri Home Mortgage Company LLC XXXX XXXX Please review the FHA case information and resolve the XXXX issue. XXXX XXXX : XXXX XXXX, also known as XXXX XXXX XXXX ( married name ). I am now divorced, and my legal last name is XXXX. Previous Married Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Loan # XXXX FHA Case Number Reflected on XXXX : XXXX ( Note : The FHA case number appears incomplete, as it may be missing one digit. ) I respectfully request : Assistance clearing the XXXX reporting default status Correction/update of HUD records if reporting is inaccurate Verification of the correct FHA case number Please contact me at your earliest convenience regarding the status of this request. Thank you for your assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint refusing or failing to conduct a meaningful review of the flood plane Property identified as XXXX Panel XXXX ( effective XX/XX/year> ) The structure is Zone XX/XX/XXXX ( not XXXX ) Multiple prior notices sent against XX/XX/XXXX order XXXX I have been requesting a full flood manual determination report using the exact structure coordinates used methodology used and correction. My understanding is XXXX will, if any part of the property is in the XXXX, it will flag flood insurance as being required. I can not meet the XX/XX/XXXX requirements because my house is in zone XX/XX/XXXXand can only buy insurance as such.

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 2026-05-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: TN

Complaint narrative:
I used to my prepaid debit card to place a pickup order at a XXXX restaurant. The computer asked me if I wanted to leave a tip. I selected NO. BLACKHAWK took it up on themselves to add a 10 % fee to my bill. When I called and complained. The customer service representative said it was standard practice to do that to everyone shopping at a restaurant. That seems highly illegal. As of right now, Blackhawk has stolen {$9.00} and some change from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Round Up Ventures, L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> To : XXXX Subject : Request for Debt Validation Under FDCPA Dear Sir or Madam, I am writing regarding the alleged account your company is reporting and/or attempting to collect. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. I dispute the validity of this account and request that you provide the following : 1. The name and address of the original creditor 2. The original account number 3. A complete itemization of the alleged balance 4. Copies of any signed agreements or contracts bearing my signature 5. Proof that your company has legal authority to collect this debt 6. Documentation showing chain of assignment or transfer of ownership 7. Proof that the debt is within the applicable statute of limitations Under 15 U.S.C. 1692e, a debt collector may not use false, deceptive, or misleading representations in connection with collection activity. Reporting inaccurate or unverifiable information to consumer reporting agencies may constitute a violation of federal law. Until proper validation is provided, you must cease collection activity and cease reporting this account pursuant to 15 U.S.C. 1692g ( b ). If you can not provide competent evidence validating this debt, I demand immediate deletion of all references to this account from all consumer reporting agencies. Please note that this correspondence is not an acknowledgment of liability, nor permission to restart any statute of limitations period. I request all future communications be made in writing only. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase allowed multiple transactions to go through despite insufficient funds and then charged excessive overdraft fees on each transaction. The overdraft fees accumulated to over {$400.00}, which created severe financial hardship for me. I contacted Chase to request a refund, but the request was denied. Additionally, when money was later deposited into my account, Chase immediately took the funds to cover overdraft charges. I am requesting a full review and refund of these excessive overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am requesting immediate review of funds taken from my account without proper notice that the account had allegedly been closed. I transferred {$190.00} from XXXX into my PNC account on XX/XX/year>. Prior to this transfer, I had not received any clear notice that my account had been closed or charged off. My account continued appearing active in the PNC mobile app and I continued receiving daily account emails and " Low Cash Mode '' alerts referencing my account number, available balance, and instructions to manage the account through the app. Because of this, I reasonably believed the account remained active and capable of receiving deposits. After the transfer, I was informed by a XXXX XXXXXXXX that the account had supposedly been closed due to a prior negative balance and that the funds could not be released. However, the transfer is no longer pending and has now fully posted to the account ledger. I am disputing the handling of these funds because : was not properly notified the account was closed. The bank continued sending active operational account notifications. The account continued appearing active in mobile banking. The deposit was accepted and posted instead of rejected back to XXXX. I am requesting : XXXX. Immediate investigation of the transaction. XXXX. Written proof of when the account was allegedly closed or charged off. XXXX. Copies of any notices sent to me. XXXX Review and possible return of the {$190.00} deposit due to misleading account status communications and lack of proper notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and inaccurate. I previously sent a copy of the late payment issue to the CEO, but I received no response. Additionally, I spoke with a customer service representative who informed me that there was nothing they could do to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I have an active recurring bill-pay set up to MOHELA. MOHELA changed their physical/billing address and platform. Because of this administrative shift, my automated payments were missed for XXXX days without my knowledge, as communications were routed to an inaccessible account. Front-line customer service refuses to correct the reporting. I am requesting a retroactive administrative forbearance for those XXXX days to wipe the late marks from my credit report, or a complete deletion of the negative history due to servicer error.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-18 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: Meta Payments Inc.
State: TX

Complaint narrative:
On XX/XX/2026, Meta XXXX suspended all of my monetized XXXX and XXXX accounts including XXXX ( XXXX XXXX business account ), XXXX, and XXXX. My XXXX account was also suspended as a result. Meta is withholding my earned income from this month that had accumulated in my account prior to suspension. The suspension was triggered by activity on a separate account called XXXX which I lost access to years ago due to unauthorized access. I did not authorize any activity on that account. Meta suspended all accounts connected to my email without investigation or meaningful appeal process. I have bank statements confirming a history of regular payments from Meta proving I am the legitimate account owner. Despite emailing XXXX, Meta has not responded or provided any way to recover my withheld earnings. I have also filed FTC complaint number XXXX regarding this matter. I am requesting CFPB intervention to recover my withheld earnings from Meta XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I have communicated with the company multiple times, requesting a clear and itemized explanation of the amount alleged to be owed. I was provided with a copy of the original lease agreement and never the full validation and itemization of the claim. The official website of the Consumer Financial Protection Bureau FAQs ask the question- What information is required to be in the validation notice from a debt collector about my debt? The 5th item that is required says An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date. This was clearly missing and requested multiple times. On XX/XX/year> I was forced to make a formal request via certified mail for purposes of documentation. After waiting the recommended month for a response and hearing nothing I am left with no choice but to escalate the dispute with this complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loan has repeatedly contacted my workplace even after I informed them that I am not permitted to receive calls there. During one of these calls, I advised them that I was recording the conversation. I clearly stated that I am aware of my debt, that I can not receive personal calls at work, and that they should stop contacting my relatives. I also confirmed that my phone number would remain the same. I have recordings of these communications. Despite this, they continued to contact my relatives. Over the weekend, my father informed me that he paid off my Tower Loan debt in the amount of approximately {$560.00}, a figure I did not disclose to him. Today, I contacted the branch manager, XXXX, who stated that they had spoken with my sister and that she agreed to pay the loan. However, there is no record online indicating that either my father or my sister made any payment toward the 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