vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO

Complaint narrative:
FINAL NOTICE OF INTENT TO INITIATE LEGAL ACTION Re : Unauthorized Seizure of Fiduciary Escrow Funds Loan No. : XXXX To Silver Hill Capital , LLC ; Bayview Loan Servicing , LLC ; and Community Loan Servicing , LLC : This letter serves as your final opportunity to resolve the unauthorized seizure of fiduciary escrow funds before litigation is initiated in the State of Kansas. Your most recent correspondence again ignored the governing settlement agreement and relied on Section 1.4 of the Mortgage ( Pledge of Monies Held ) a clause that does not authorize your actions and does not survive payoff. 1. Section 1.4 Does Not Authorize Escrow Seizure Your XX/XX/year> letter asserts that Section 1.4 specifically authorizes the application of escrow funds. This is incorrect. Section 1.4 is a security interest clause that applies only while the loan is active and the borrower owes obligations. Once the settlement payoff was made and the satisfaction was recorded, the mortgage and all security interests were extinguished. Section 1.4 does not authorize postpayoff seizure of escrow funds, does not override the settlement agreement, and does not convert fiduciary escrow funds into lender property. 2. The Settlement Agreement Controls The settlement agreement established a final payoff amount of {$880000.00}, which was paid in full and accepted. You recorded a satisfaction. Your subsequent claim of a payoff shortage is inconsistent with the settlement, unsupported by documentation, and legally void. 3. Your Actions Constitute Fiduciary Misconduct Escrow funds are fiduciary trust funds under Kansas law. Your unilateral diversion of escrow funds : Lacked notice Lacked authorization Lacked contractual basis Violated Kansas fiduciaryduty principles Violated Kansas Statute 92226 Constituted unauthorized enrichment 4. Consequences You Will Face in Litigation If this matter proceeds to litigation, you will be required to produce : All internal communications regarding the escrow seizure All payoff calculations All settlementrelated correspondence All servicing notes All internal audits All documents you have refused to provide You will also be subject to : Feeshifting under Kansas law Statutory interest Discovery obligations Potential sanctions Judicial scrutiny of your servicing practices 5. Final Demand Within ten ( 10 ) business days, you must : Return the escrow balance of {$7700.00} Pay statutory interest Reimburse legal fees Confirm in writing that the settlement agreement governs If you believe you had lawful authority to seize escrow funds, you must produce documentary proof within the same timeframe. If you fail to comply, a lawsuit will be filed without further notice. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: AZ

Complaint narrative:
I enrolled in a monthly membership subscription with XXXX XXXX and made multiple attempts to cancel the membership. Despite my efforts, the subscription continued to charge my account. After being unable to successfully cancel the service, I stopped payment on the account and have not returned to or used the park prior to that time. I believe I should not be held responsible for continued charges after my cancellation attempts and non-use of the membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Credit Corp Solutions Inc. for systemic and inaccurate credit reporting violations under the FCRA regarding account XXXXXXXX XXXX XXXX XXXX XXXX. This trade line is illegally and inaccurately reporting the Loan Type as a " FACTORING COMPANY ACCOUNT. '' I am an individual consumer, and the original debt was a consumer credit card with XXXX XXXX XXXX. Credit Corp Solutions is a debt buyer, not a factoring company. Furthermore, the payment history is completely missing as " No Data, '' which violates the completeness and accuracy requirements of the FCRA. I demand the immediate deletion of this inaccurate and misclassified trade line from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/year> Credit Corp Solutions attempted to have me served for the amount of XXXX. I was improperly served. Not only was I served at an old address of which we still own, but no one resides in. They served my father in law who also does not live there nor had the permission from myself or my husband to receive the paperwork. The paperwork consisted of dates, loan amounts, and other private information that he legally should have had no access to. I have documents from the court showing the sheriff served him and listed him as my " daddy ''. I also have textual evidence from my husband of the photos of said documents sent to him by my father in law making us aware of the situation.

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 — Can't close your account
Company: Credit Karma, LLC
State: MI

Complaint narrative:
My account was submitted for closure on XX/XX/XXXX with a remaining balance of {$610.00}. Contacted over and over again about receiving funds from account. Got no response expect my account was re-submitted for closure on XX/XX/XXXX. Was told 7-14 calendar days to receive funds from said account. Today is XX/XX/XXXX with still no update on my remaining balance. I still do know the account is still open as we speak. I want my funds transferred back to its original source like support said it would.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I am filing a complaint against Credit Karma Money regarding ongoing restrictions and denial of access to my funds. First, Credit Karma has refused to provide me with a physical debit card despite my requests since XX/XX/2026. Without a debit card, I have been unable to reasonably access or use my funds. Second, Credit Karma has denied me access to my money by preventing me from linking an external debit card from another financial institution to transfer or access my funds since XX/XX/2026 when I was issued a new debit card from my XXXX XXXX XXXX account. Third, Credit Karma has also prevented me from transferring my funds to another current bank account, further restricting my ability to access my own money. This issue was also discovered in XX/XX/2026. I have contacted customer service multiple times seeking assistance and resolution. My concerns have not been adequately addressed, and I have not received meaningful follow-up or resolution from their support team. I also requested that the matter be escalated, but customer service refused or failed to properly escalate my complaint. As a result, I have effectively been denied reasonable access to my funds without clear explanation, timely assistance, or a workable resolution process. PLEASE NOTE ON THE SCREENSHOTS : The first shows an attempt ( out of multiple ) to add my debit card. However, even though the info is correct, they deny the card. The second screenshot shows that there is not an option to transfer my funds to my XXXX XXXX account even though it has been linked for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Sage LLC
State: FL

Complaint narrative:
I was told after my initial payment I would have 2 more payments of XXXX and they are trying to take more and nothing has been done to my credit to fix it conversation was recorded I was told or return all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Service International Corp
State: TX

Complaint narrative:
Credit Service internationalkeep calling every day from different numbers. Fair Debt Collection Practices Act 15 U.S.C. 1692d harassment or abuse by a debt collector * 15 U.S.C. 1692c improper communication practices Under the Fair Debt Collection Practices Act, repeated daily calls may constitute harassment. I am requesting that communication be in writing only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: DailyPay, Inc
State: CO

Complaint narrative:
I am the victim of systemic, unauthorized wage diversion and corporate obstruction. DailyPay ( alongside my employer XXXX XXXX XXXX XXXX and associated third-party app XXXX ) is actively facilitating the hijacking of my paychecks and is willfully violating my rights under the Electronic Fund Transfer Act ( EFTA ). 1. Unauthorized Wage Diversion ( EFTA Violation ) : My authorized personal bank account has been entirely removed from my employer 's pay statements. 100 % of my earned wages are currently being routed through DailyPay/XXXX to an unknown, unauthorized third-party bank account. I have no access to this account, no knowledge of its owner, and I have never signed any contract or given authorization for my wages to be diverted in this manner. 2. Missing Wages & Unlawful Clawbacks : I am currently missing {$820.00} in earned wages that were improperly routed. Furthermore, during a recent corporate transition, DailyPay and its affiliates facilitated a fraudulent {$990.00} clawback from my earnings to repay my current employer for a deposit made by a former parent company. Additionally, unauthorized {$0.00} micro-deposits were executed on my profile to verify external accounts without my consent. 3. Willful Obstruction of Data Requests : I have submitted multiple formal, written demands to DailyPays support and privacy departments requesting the raw, unedited transaction ledgers ( CSV/Excel format ) associated with my profile so I can track exactly where my stolen wages were sent. DailyPay has deliberately obstructed these requests, responding to pre-litigation demands with automated marketing emails about app updates and refusing to provide the legally required data export. DailyPay is actively shielding the entities responsible for stealing my wages and is refusing to provide transparency regarding the unauthorized routing of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am submitting this complaint regarding a fraudulent XXXX credit card account that was opened under my name without my authorization. My name is XXXX XXXX XXXX XXXX, XXXX XX/XX/year>. Since XXXX, I have repeatedly contacted XXXX to report that this account does not belong to me and was opened fraudulently using my personal information. The account was opened using a Maryland address where I have never lived. I provided XXXX with documentation proving my legitimate address history, copies of my identification, and evidence showing that I was never associated with the address connected to this account. I have always maintained a good credit history and worked very hard to protect my financial reputation. Before this fraudulent activity, my credit was in good standing. Now, because of this unauthorized account, my credit score and financial profile have been severely damaged. Despite reporting this identity theft multiple times, the account continues to negatively impact my credit score and financial standing. I believe XXXX failed to properly investigate the fraud and failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Additionally, I also reported fraudulent activity involving a XXXX XXXX account opened without my authorization. I am requesting the following : Immediate removal of the fraudulent account from my credit reports Removal of all late payments, negative reporting, and related inquiries Written confirmation that the fraudulent account has been permanently blocked from future reporting A full investigation into how this account was opened using my information Correction of the damage caused to my credit profile This situation has caused significant stress, emotional distress, and financial harm. I expect immediate action to resolve this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
In XX/XX/year>, I noticed that there is a collection for a utility company in Indiana. This collection has appeared on my credit report. I have never live. Nor did I give anybody permission to use my information to open all account in my name when I spoke to the utility company, they were unable to remove the account. The only thing they did was put a fraud alert on it as for the collection company when I called them, they sent me over information about the collection the information that they sent to me had my name, date of birth and Social Security number. But the address is in Indiana. I have never lived in Indiana before nor do I recognize what this collection is.. I have been a victim of identity that because this collection doesnt belong to me. I request a full investigation about the collection. I can also provide proof and documentation to support the fact that I have never lived in Indiana before .. And also there was a freeze place on all three credit bureaus at the time. I dont understand why this account was still able to be open when there was a freeze on my 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 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/year> garnishment and they said they someone sign at old address that wasn't true because I moved 6 months proir. I also went to District of of Maryland to file a motion to stop all garnishment.

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 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Exto Inc.
State: PA

Complaint narrative:
So I have opened an account with a company called Atlas this is a company that if you deposit money and make purchases they will report it to the credit bureaus so you can get a higher credit score and if you pay for the premium service you get more cash back, so I have tried them and unfortunately they take money out of my bank account without my consent and I do not like that so I have requested for my account to be canceled and unfortunately reading the comments in the App Store its a pain to do as I am experiencing with them and also I have tried to contact them and its very difficult to do that I have tried to respond back and I guess it was after hours and In the app the keyboard wont show up to give a response and they will take it as if youre not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Exto Inc.
State: FL

Complaint narrative:
I apply for a credit card that goes by the name of Atlas I downloaded the app and they gave me a {$15.00} dollars spending power plus charge me a monthly fee of {$8.00} they claim this card is to fix credit. Fine then I deposited from own money {$20.00} dollars and my spending power when up to 35 I said that's fine because that's my own money. So I made a purchase for {$19.00} cents. Then I open the app and it says that own them that same amount. Further more when I look for XXXX reviews people say the same thing.The Atlas Credit Card is a credit-builder card designed for those with bad or no credit. It features a 95 % + approval rate, functions like a charge card ( balance is paid off quickly ), and offers lucrative cash-back rewards. However, it comes with a steep monthly membership fee.Top PerksHigh Approval Odds : No credit history is required. Your credit limit is determined by the funds you hold in your connected bank account. No Interest Charges : Because it functions more like a charge card, you will not incur revolving debt or interest charges.Rewarding Categories : You can earn up to 3 % to 10 % cash back on everyday spending like gas, food delivery, and coffee shops.Key DrawbacksMonthly Membership Fees : The card charges a monthly maintenance or membership fee, which adds up to a significant yearly cost.Frequent Payments : Some users dislike that balances must be paid off almost immediately after making purchases rather than waiting for a standard monthly billing cycle. No Sign-Up Bonus : You won't get a new cardholder bonus to help offset the monthly fees in your first year.The Bottom LineThe Atlas Credit Card is a useful tool if you have been denied by traditional card issuers, as seen on XXXX Atlas Reviews. However, the monthly fees mean you need to use the rewards strategically to offset the cost. You can read more customer experiences on XXXX Atlas Reviews. And what's worse is that you can't unlink your bank account nor close it these people are thieves. Pls call me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Exto Inc.
State: VA

Complaint narrative:
I try to go through Atlas to close the account and unlink the bank account and it does nothing but through me into an unending loop. The information to complete closure ends up under the close screen option on the phone and is not available to click on. The messaging app only gives me option to keep the account. There is the help option which only directs you to the loop again. I want them gone and to not be able to take money out of my account and them not charging me an {$80.00} membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Exto Inc.
State: SC

Complaint narrative:
OK so I got my taxes 2 times had to file an amendment so my first set went on the card and I made some purchases which I watched my money leave as im purchasing and im seeing a balance growing which im thinking ok it's sitting as credit it gets paid cause ive already spent it no these people go into my account and get my other XXXX I had left and took it so I asked for it back I almost got evicted because of this so this time my over XXXX gets deposited and I pay my rent XXXX and try to transfer the XXXX declined so this time it was less I could send XXXX nope declined then tried again to transfer again was less XXXX nope and then they took it as a smart payment and thats all the money I have im a single mom of XXXX XXXX and I need that money this isn't right my money get taken by the merchant and then this card take the other half of my money and leaves me with nothing like are you serious and I get told that a you problem there was no line of credit issued from them to me the money I spend in my money I dont want rewards I can't use I want my over XXXX returned to me had I known this was like this i would have never gotten it also it says it boost your credit it doesn't on there it say my credit score is a XXXX but it's XXXX they dont report anything and this is infact stealing reached out asked for my funds to be transfer and they took everything while it was pending a transfer i already paid for my purchases so why do they get the rest of my money because to me this is a double purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I received a debt validation notice from FCR Services / FedChex ( Reference # XXXX ) seeking {$1800.00} allegedly owed to XXXX XXXX for a vehicle damage claim. On XX/XX/year>, I submitted a formal written dispute through FCR 's online portal ( XXXX ) and received an automated confirmation. On XX/XX/year>, I sent a second written dispute by email to XXXX, explicitly invoking my rights under FDCPA 809 ( b ), disputing the debt in its entirety, and demanding written validation including an itemized statement and creditor documentation. As of today 48 days after my written dispute FCR Services has sent no validation of the debt, no written response of any kind, and no acknowledgment of the dispute by email or mail. Under FDCPA 809 ( b ), a debt collector must cease collection activity and provide verification upon receiving a timely written dispute. FCR has done neither. The underlying debt is also disputed as fraudulent : XXXX 's own agent voided the host 's prior invoice as invalid, and a separate XXXX agent confirmed in writing that a portion of the charges had been " stopped pending internal review '' yet the full {$1800.00} was forwarded to collections regardless.

Company response to consumer: Closed with explanation