vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX funding XXXX Im not even sure who they are and why I have a balance with them can it please be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Request for Review of Account Closure and Reporting Status Dear Bank of America Account Review Team, I am writing to respectfully request a review of the decision to permanently close my account following the investigation of a disputed transaction. 

The dispute was submitted in good faith based on my understanding at the time. Once I was informed of the banks determination, I cooperated fully with the process and promptly repaid {$2000.00} toward the provisional credit that had been issued. There was no intent to mislead the bank or to misuse banking services. 

I respectfully request written confirmation that there is no remaining balance or obligation associated with my closed account. Additionally, I would appreciate clarification on how this matter is being reported to consumer reporting agencies, and whether it may be noted as a resolved dispute rather than fraud. 

I value transparency and compliance and appreciate your time in reviewing this request. Thank you for your consideration. 

XXXX XXXX XXXX XXXX last XXXX XXXX XXXX XXXX

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 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have no link to these accounts ; they must be eliminated within 15 days in compliance with USC 1681g. 

.

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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
So my phone got stolen while out at a food truck and I had unauthorized payments sent from my cash app XXXX of them in total and I will provide the dates the first transaction the thief sent off after finding my phone a payment for XXXX to XXXX XXXX on XX/XX/XXXX at XXXX pm which was refunded the other amount was for XXXX on XX/XX/year> at XXXX pm which i didn't send and they blocked me from getting my money on this for security lock reasons wen the thief found my phone in my wallet with my cash pin and my phones pass code written in on a note inside the wallet and the last amount the blocked for same reason was XXXX on XX/XX/year> at XXXX so this is my complaint I only got XXXX out of the XXXX stolen transactions the thief took from my account from cash app and I need help with getting all of my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have received notice about not being able to open an account due to a previous bank account that was unfortunately opened with my information. I was not aware of this and have been tryin to get this situation handled ASAP so I can proceed to open a proper bank account without. This was supposedly done in the year XXXX  with the Bank of America. No amount was mentioned, but all that was sated was that an account was opened in my name fraudently.

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is a very stressful situation and I fill so violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a {$4900.00} standard transfer from my XXXX account to my Chase business checking account for XXXX. Shortly after the transfer, Chase closed my business account. Since the account closure, Chase has continued to hold this {$4900.00} XXXX transfer and has not released or returned the funds.

Chase stated they need proof that the XXXX account belongs to me due to a name mismatch : my legal name differs from the English nickname used on my XXXX profile. I have provided documentation showing both names belong to the same person, including : Government-issued drivers license with photo ( legal name ) XXXX profile/username screenshots XXXX identity verification email provided by XXXX Customer Support Screenshot of the XXXX transfer record for the XX/XX/year> {$4900.00} transfer Public sources showing my English name and photo ( website / XXXX XXXX XXXX ) Despite multiple phone calls and submitting the requested documents, Chase has not provided a clear written explanation for why the funds are still being held after the account was closed, has not confirmed what additional documentation ( if any ) is required, and has refused to provide a specific date for when the funds will be returned. Chase also stated they can not charge the transfer back to XXXX because the business account is closed, leaving my {$4900.00} in an unresolved status.

I am requesting that Chase immediately return the {$4900.00} to me ( either back to XXXX or by check or another method ), or provide a written explanation for the hold, a written list of any additional documents required, and a specific timeline/date for final resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: CA

Complaint narrative:
I moved and the former XXXX tried to collect money not due - I had no idea I was in collections and took action the debt is being waived rather than the XXXX face litigation and they are instructed to remove the debt. 

It is as you know to put a debt on a credit bureau without notifying the debtor. I received no notice at all I have informed delivery so I would know if I was getting anything to date no notice guess they could not afford the postage. 

Scummy company do something I should have known it was on my credit and not find out because XXXX XXXX told me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
So Ive been donating plasma whos been going through FINTWIST now and whenever I move my funds to XXXX XXXX they decline it and I have to try to go a certain amount below the amount I was paid otherwise theyll take my money. The amount they take arent listed under my transaction and whatever this fee theyre charging is isnt visible to the consumer. So Im losing money and I dont know why and its adding up quickly. They never used to do this by now they do. Theres XXXX actual transparency regarding anything and their phones just lead to a robot over and over again who will hang up on you if you dont select their very limited options.

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 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I called Mohela several times about the account not being up to date since XX/XX/year>. The only fix 2 payments out of 5 missed payments which has been paid. I called on XX/XX/XXXX and was told that they send an request expedited the account. I called again on XX/XX/XXXX and was told they still working on the request to expedite and it would take 10 business days. When I asked them how long would it take when the request is granted to expedite the repayment they have no answer. The account have already affect my credit score. I still making the monthly payment and I don't want to make another late payment if I already paid up to date. I wrote down how many time and what people I talked to regarding this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: VA

Complaint narrative:
Ok my name is is XXXX XXXX I have a cash app account with XXXX on savings lost my phone now I can not log back in because they have to send me a link and I never get it I tried everything is been XXXX weeks can you guys make someone call me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is a very stressful situation and I fill so violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I received many phone calls every day from Westlake financial regarding a missed payment. I am waiting to get paid, then will pay it, car will not be out for repo unless its 30 days past due, i am currently 25 days past due. I have spoke with them on these calls at least 3/4 times now stating I will make the payment next week please stop calling. Then they keep calling. I answered today, and explained it again. I got off the phone with them, then received an email from their customer service a moment later saying Good luck on repossession XXXX XXXX!. Im not even in the window yet for repossessions and you dont know what im going through why i can not afford it? Why speak to me and threaten me with this language? So i called the number back and was told No supervisor will be able to help you on this and then got no help there either. This is so beyond unacceptable.

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 2026-01-09 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: IL

Complaint narrative:
TD Bank acknowledged that it owes me a refund in the amount of {$1500.00} following a cancellation. I was informed that a refund check was mailed on XX/XX/year>. After I reported non-receipt, TD Bank stated that a replacement check was mailed on XX/XX/year>. 

As of today ( XXXX XXXX ), I have not received either check. I have allowed more than a reasonable amount of time for mail delivery, and XXXX untracked mailings have failed. Despite this, TD Bank has not completed payment or securely reissued the funds.

Mailing a check does not constitute payment unless the check is received and negotiated. Continued reliance on standard mail after two failed attempts constitutes an unreasonable delay of an acknowledged refund.

I have contacted the company regarding this issue upwards of 15 different times, the latest being XXXX XXXX. Each member I speak with claims to have the issue escalated, and or requested the check to be overnighted. I even spoke with a supervisor who didnt seem to care or have interest to want to solve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
On XX/XX/XXXX, I was contacted by phone at my place of employment by an individual identifying himself as XXXX from XXXX XXXX XXXX. During this call, he alleged that I owed a payday loan from over a decade ago and threatened litigation and wage garnishment. He also referenced outdated personal information and prior employment and attempted to elicit additional identifying information from me. 

On the same date, after I requested written proof of the alleged debt, I received an email from XXXX XXXX XXXX. I have attached screenshots of that email and related communications for reference. 

The email provided does not constitute valid debt verification under the Fair Debt Collection Practices Act. It contains no signed loan agreement, no payment history, no date of origination, no original account number, and no documentation demonstrating that XXXX XXXX XXXX has legal standing or authority to collect this alleged debt. 

The email also includes misleading and incorrect statements regarding dispute timelines that are inconsistent with federal law, and it fails to acknowledge or address my bankruptcy filed in XXXX. Any such alleged debt would have been included in and XXXX through that bankruptcy. Attempting to collect a XXXX debt constitutes a violation of the federal bankruptcy discharge injunction. 

Additionally, XXXX XXXX XXXX improperly contacted me at my workplace and used threatening and coercive language regarding litigation and wage garnishment without any court judgment. These actions constitute misrepresentation and harassment in violation of the FDCPA. 

I have confirmed that no such payday loan or related account appears on any of my credit reports. Based on the age of the alleged debt, the absence of credit reporting, the failure to provide proper validation, and the disregard of my bankruptcy discharge, I believe this is either a phantom debt or an unlawful collection attempt. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and direct Pinnacle Asset Recovery to cease all contact with me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions unauthorized withdrawal of funds from my savings account and their mishandling of an approved claim on my credit card account.

Navy Federal approved a claim on XX/XX/year>, to satisfy my credit card balance. I was told the matter was resolved. However, a year and a half later, I discovered that NFCU withdrew payments of my savings account without my knowledge or consent to pay the same debt. 

When I asked why the funds were taken from my savings instead of my checking account, I received no explanation. My checking account receives direct deposits of my XXXX benefits ( because I'm terminally ill ) which appear to have been intentionally avoided. The funds in my savings were also disabilityrelated and were set aside for medical treatment. 
This unauthorized withdrawal has caused significant financial hardship and is in violation of the federal consumer protection laws, XXXX protections, and Maryland consumer protection statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I purchased an Item from XXXX on XX/XX/XXXX for {$310.00}, I received the item and realized it was too big for my area and initiated a return, I took the item to the ups store like advised for it to be shipped back on XX/XX/XXXX. I have never received credit for the return. I have contacted the store customer service 2 times and they have told me they will get the credit issued, I contacted comenity by phone on XX/XX/XXXX at XXXX XXXX  time and asked to dispute the purchase, the csr refused to enter a dispute for me and told me I had to contact XXXX XXXX, I advised the csr that they are not supposed to refuse to do a dispute I had already contacted the merchant and still had not gotten the credit. Again the csr refused and said it would take more time for them to dispute the charge. I have proof that the item was dropped off at the ups center. I am now paying for this item that was returned almost 2 months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
b'Lexus Financial Services (LFS) has funded a XXXX auto loan (Account Number: XXXX XXXX) based on fraudulent documentation provided by the merchant, Lexus XXXX XXXX XXXXnThe dealer, Lexus XXXX XXXX XXXX committed deceptive practices by concealing XXXX in optional equipment "port installed packages & accessories" products during the signing process. When I confronted them, the dealer admitted to the error but only offered to refund XXXX, refusing to remove the remaining XXXX in hidden charges.\n\nBecause the dealer refused to fully correct their deception, I exercised my right to reject the vehicle and requested a total cancellation of the contract. Despite my clear refusal to accept the car, the dealer proceeded to falsify the delivery certification to LFS to trigger the funding. FACT: I have NEVER taken physical delivery of the vehicle.  I have never even sat in or test-driven the vehicle. It remains on the dealer\'s lot.\nThe dealer certified to LFS that the vehicle was delivered to me to trigger the funding. The company is attempting to coerce me into validating a fraudulent contract by mandating a first payment due date of XXXX XXXX"I notified LFS via phone on XXXX XXXX and XXXX XXXX XXXX  regarding this "Falsified Delivery" and lending fraud, but the LFS representative refused to investigate, claiming I must "resolve it with the dealer."\n\nLFS is knowingly maintaining a loan account based on a non-existent delivery and fraudulent merchant certification. This is a violation of consumer financial protection laws. I have already filed a formal complaint with the Massachusetts Attorney General (AGO). I demand that LFS freeze this account immediately, cease any credit reporting, and reverse the loan as the underlying transaction was never completed due to lack of delivery.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — FHA 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: Idaho Housing And Finance Association
State: WA

Complaint narrative:
I was approved for a three-month trial loan modification with my mortgage servicer in XX/XX/year>. During the trial period, my household income was impacted by flooding in Washington State, which caused financial hardship and prevented me from making the first of the required trial payments.

After missing the trial payment due to the flood, I was told to reapply for loss mitigation, which I did. My application was later denied. A HUD-approved housing counselor reviewed my situation and stated that the information provided by the servicer regarding my options was not accurate. The HUD counselor also participated in a call with the servicer to attempt to resolve the issue, but no resolution was reached. And XXXX at XXXX XXXX XXXX was unwilling to call FHA to confirm the mitigation exceptions for a National disaster. 

At this time, I am approximately four months behind on my mortgage. I have not received foreclosure paperwork yet. When I asked about options, I was told that I must pay all past-due amounts in a lump sum, and no reasonable repayment plan, disaster forbearance, or modification option was offered, despite my documented disaster-related hardship.

I am requesting that my account be properly reviewed for disaster-related loss mitigation options, including disaster forbearance and/or reconsideration of my loan modification, and that foreclosure activity be paused while this review is completed.

These are the rules HUD Gave me. For Borrowers impacted by a Presidentially-Declared Major Disaster Mortgagees must attempt to contact Borrowers whose Property is located in a Presidentially-Declared Major Disaster ( PDMDA ) to notify the Borrower that disaster loss mitigation assistance is available. If the Borrower is experiencing a Financial Hardship due to the disaster, the Mortgagee must offer loss mitigation assistance, where appropriate.

For more information, see Handbook 4000.1, III.A.2.l.

All requests for information or clarification related to Loss Mitigation should be directed to your servicing lender.

You may also wish to contact a HUD-approved housing counseling agency in your area. These agencies can provide unbiased counseling on your particular situation. You can access : An online list of HUD-approved housing counseling agencies is available at XXXX : XXXX A list of HUD-approved Housing Counseling Agencies and their contact information can be obtained by calling HUD 's interactive voice system at XXXX.

Company response to consumer: Closed with explanation