vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MA

Complaint narrative:
When I previously lived in XXXX XXXX. I had a dumpster supplied to my rental for trash removal from a local company in town called " XXXX XXXX " after approximately a year I was visited by a representative from " XXXX XXXX XXXX informing me that they had purchased XXXX XXXX and I would now be dealing with them. I was informed that everything would remain the same and asked to sign a paper agreeing to continue using their service. A year went by and then the price increases began, when I called to cancel them they said the paper I had signed was a XXXX year contract and if I cancelled service I would owe over {$2000.00}. At the same time they were trying to get me to sign a new contract for XXXX yrs. but only holding the discount price for XXXX yr. When I signed the paper with their representative originally nothing was ever mentiond about a contract for XXXX yrs. I was a tenant at will on the property and never would have knowingly signed. I ended up cancelling their service and have since moved, and now they have handed me over to a collection agency saying I owe {$2200.00}. I paid them for the last dumpster they removed and don't feel I owe them more for services never rendered, their representative was deceptive and misleading, if I signed a XXXX yr. contract like they claimed why were they trying to get me to sign another one?, also wouldn't raising the fees after a year void the contract?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Formal Complaint Violations of Federal Mortgage Servicing Requirements ( RESPA / Regulation X ) This complaint concerns a pattern of servicing failures by Freedom Mortgage involving escrow mismanagement and the improper placement of lender-placed ( force-placed ) insurance on a VA loan. We changed insurance companies this year. We almost lost our bundle, life insurance, car, and homeowners because of Freedom Mortage. We ended up having to pay out of pocket for homeowners insurance. And now we have XXXX insurance policies because theyre forced insurance money grab This always comes at the end of the month so the billing cycle is already in processed by the first of the month and they processed the payment and then somehow theyre supposed to be refunded and it seems like theyre making money off of us every time they pull this nonsense. The most important thing is we have valid insurance we paid out-of-pocket for it and then they forced payment on us again. When they should have sent out a check to our insurance company so we were refunded because we are putting money in our escrow. We have always maintained continuous homeowners insurance coverage. Despite this, Freedom Mortgage has repeatedly failed to properly process valid insurance documentation and has incorrectly asserted lapses in coverage. These errors appear to be tied to the servicers mishandling of property address information following a change in insurance providers. As a result, Freedom Mortgage has imposed force-placed insurance without a reasonable basis to believe the property was uninsured, in violation of 12 CFR 1024.37. The servicer has also failed to timely and accurately correct errors after receiving documentation, and has continued to assess charges tied to duplicative insurance coverage. Additionally, Freedom Mortgages repeated escrow miscalculations and resulting payment fluctuations raise concerns under 12 CFR 1024.17, which requires accurate escrow administration and proper analysis. Despite multiple good-faith efforts by the borrower to resolve these issuesincluding submission of insurance documentation and repeated contactFreedom Mortgage has failed to correct the errors or prevent recurrence. Requested Resolution : - Immediate removal of all improperly placed lender insurance - Full reimbursement of all force-placed insurance premiums and related charges - Comprehensive escrow audit and correction of all inaccuracies - Written explanation of the servicing errors and corrective measures - Confirmation of proper insurance status with no lapse recorded These ongoing failures represent a breakdown in basic servicing obligations and require immediate corrective action.

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 2026-04-28 00:00:00
Product: Mortgage — Conventional home 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: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I inherited a residential property in XXXX following the passing of my mother and have been attempting to resolve and maintain the mortgage since that time. During my XXXX XXXX bankruptcy, which concluded in XX/XX/XXXX, approximately {$96000.00} was paid toward the mortgage through trustee disbursements and payroll deductions. After completing the bankruptcy, I contacted the loan servicer to bring the account current and to explore available options. I was instructed by a representative to apply for a loan modification rather than an assumption. I complied with that instruction and submitted the required documentation. The modification was denied. I also attempted to pursue assumption of the loan, but this was denied without a clear or consistent explanation. During this process, my income appears to have been miscalculated, despite providing accurate and verifiable income documentation. Following the bankruptcy, I was informed that the loan remained delinquent, including alleged missed payments for XXXX, XXXX, and XX/XX/XXXX. These payments were made through payroll deductions and/or trustee disbursements, and I have not received a clear explanation of how those payments were applied. Additionally, the monthly mortgage payment has increased significantly over time, from approximately {$370.00} to {$560.00}, then to {$760.00}, and is now approximately {$1100.00}. These increases have not been clearly explained. Despite my repeated efforts to resolve the matter, provide documentation, and communicate with the servicer, the loan has been referred to a debt collection law firm, creating the risk of foreclosure. I have requested a full accounting of all payments, clarification regarding the disputed payment periods, and a fair review for assumption based on my current income, but these issues remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX

Complaint narrative:
I deposited a check XXXX weeks ago and they still restricting my funds they will not let me access my money and Iwill be homeless die to not being able to pay rent because they restricting my money. I do not think it's far and I consider them stealing my hard earned money. I have rent to pay and since they restricting my account ( it's been XXXX weekS ) I am.not abor to pay rent and am getting evicted. They need to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report. If the information can not be properly validated, it must be removed in accordance with FCRA requirements. I also request written confirmation that the account has been deleted and that all related inaccurate information has been corrected to prevent further harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> I received a Truist alert on my phone that a large purchase was being made at XXXX XXXX in the state of XXXX for the amount of {$1700.00}. I live in the state of XXXX and had my debit card in my possession. I immediately called Truist and they blocked my card after confirming that I did not make this purchase and that I did not let my debit card number be used by anyone else, especially in another state. Then I received another text from the XXXX XXXX stating that the purchase did not go through. However, when I checked my Truist account online, the {$1700.00} was withdrawn anyway. Truist then sent me documents to fill out explaining the situation, which I quickly filled out and mailed back the next day. After a week went by, I received a letter on XX/XX/XXXX stating that Truist would not be refunding my money as they said " The card was present for the transaction not disputed in the same area before and/or after the last disputed transaction and included detailed client information. ''

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 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Foris DAX, Inc.
State: MA

Complaint narrative:
I signed up for crypto.com credit card and it had a {$1500.00} spend requirement to recieve {$100.00} sign up bonus ( {$100.00} paid in CRO cryptocurrency ). I completed the spend requirement and I have yet to recieve the sign up bonus. The XXXX month period ended in XX/XX/year> and I've tried working with Crypto.com to get the sign up bonus, but they've continuously made excuses to avoid granting the sign up bonus. They have even tried lying about my transaction history by claiming that I didn't spend {$1500.00} or claiming that I had refunds the invalidated my progress toward sspending requirements. I've provided evidence that my I've fulfilled the requirements for the sign up bonus and that no refunds were issued, however they've still refused to honor the sign up bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Requesting for FULL Discharge of Student LOANS DUE to Nelnet misleading and Unlawful PRACTICES I am writing to formerly request the discharge of all student loans held by Nelnet due to the company deceptive practices, misrepresentation and failure to provide proper guidance regarding my loan repayment options. Nelnet misled me by steering me away from Income driven repayment plans, which would have made my payments more manageable and eligible for forgiveness. Instead I was repeatedly encouraged to enter into forbearance and deferment causing my loan balance to increase due to capitalized interests. This unlawful manipulation has lead to years of financial struggle that has profoundly affected my ability to manage my financial obligations. Furthermore, Nelnet has a history of misreporting my payments status to credit agencies, severely damaging my credit score for many years. These tactics are consistent with the widespread fraudulent practices and behavior or which Nelnet has been sued by numerous states and the CFPB ( consumer financial protection bureau ). Nelnet conduct has caused me significant financial burden, harm, mental distress and longer Burden that could have been avoided with honest and lawful practices. As a borrower who relied on Nelnet advices, and entrusted them to manage my student loan. Due to their mismanagement I request for my student loans be fully forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I previously disputed the XXXX XXXX account with the credit bureaus and requested that the account be investigated and removed due to inaccurate or unverifiable information. As a result of my dispute, the account was deleted from my credit report in XX/XX/year>. However, the account was later reinserted without any written notification to me. I did not receive any notice within XXXX days of reinsertion as required under the Fair Credit Reporting Act ( FCRA ). I am now requesting : Proof of the original investigation that led to deletion Documentation showing what new information was used to justify reinsertion Proof that proper written notice of reinsertion was sent to me The method of verification used with the furnisher If this information can not be provided, I am requesting the permanent deletion of this account from my credit report. This matter involves a potential violation of the FCRA regarding reinsertion procedures.

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint against Regions Bank regarding an account hold, lack of reasonable verification options, and refusal to process account closure without an in-person branch visit. On XX/XX/year>, I initiated an external transfer of {$1100.00} from my Regions checking account to my XXXX XXXX XXXX account ( see Attachment # 1 ). On XX/XX/year>, I confirmed that the {$1100.00} was successfully debited from my Regions account ( transaction labeled XXXX XXXX XXXX ) and credited to my XXXX XXXX XXXX account. On XX/XX/year>, I discovered that my Regions checking account had been placed on hold. When I contacted customer service, I was informed that I must visit a branch in person to complete the verification process. ( Please see the attachment # 2 ). I explained that I am unable to visit a branch because the nearest Regions Bank location is over XXXX miles away. I asked whether alternative verification methods were available, such as submitting identification documents electronically or completing verification remotely. I was told that no alternatives are available. Because I can not be physically present at a branch, I requested that my account be closed, as this appears to be my only option. However, I was again informed that account closure also requires an in-person visit. I specifically asked whether accommodations are available for customers who can not travel long distances or who may have XXXX that prevent in-person visits. I was told that no such accommodations exist. Additionally, this situation caused a disruption affecting my XXXX XXXX XXXX account ( see Attachment # 3 ). The account lock with XXXX XXXX XXXX has since been resolved over the phone with their fraud team, and it was confirmed that the issue did not originate from XXXX XXXX XXXX but is related to Regions Bank.

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: IN

Complaint narrative:
XXXXAccount went from XXXXon XXXXTo XXXX XXXX XXXXIn one day.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing a complaint regarding a debt associated with LVNV Funding LLC. I contacted LVNV Funding LLC, and on a recorded phone line, I was explicitly informed that the account balance is {$0.00} and that the debt has been settled. Despite this, I have not been provided any written confirmation of the settled status, even after requesting documentation. At the same time, I am currently being subjected to legal action, including a lawsuit and a request for a lien, related to this same debt. This is extremely concerning, as it appears that collection and legal enforcement are continuing on a debt that has already been satisfied. I am requesting : Written confirmation that the account balance is {$0.00} and settled Immediate cessation of any collection or legal activity Notification to any third parties or law firms involved that the debt has been resolved Correction of any inaccurate credit reporting This situation may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including attempting to collect a debt not owed and failure to provide accurate account information. I request immediate investigation and resolution. In addition, I dispute the validity of the legal action because I was never properly served. The documents were sent to an address where I have not resided for over 10 years, and I had no knowledge of the lawsuit until recently. As part of a fair resolution, I request that any legal action, including any judgment, lien, or garnishment, be vacated or withdrawn due to improper service and because the debt has already been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, a complaint was filed against me by Bank of America for cashing a check that was placed on fraud. Nothing got cashed. Nothing got taken out from Bank of America. The account was closed and they put my name on fraud without any reasoning. I have tried to contact the bank. They can not give me a valid reason for why the account was closed. I never cashed the check they can not provide. I have told them. It's been over 7 years. Bank of America. I haven't got any response from the bank or proof. Please remove me out of the check system.

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 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
Concora Credit XXXX XXXX XXXX XXXX XXXX XXXXXXXX account ending in XXXX. On XXXX I went to XXXX XXXX XXXXXXXX XXXX locating to pay off my credit card of {$2100.00} days later I checked my bank account, and I seen, that it cleared. A day or so later I logged into Concora Credit website and seen that they received my payment but had not fully credit my account as available credit so I called and a representative told me that the payment I made was too large and that it had to clear that would take about 14 days, something that I had never heard of. I waited days later and was told two different scenarios. So I'm requesting a full investigation as to my account also to make sure that no interest will be incurred on a account that has been meet in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am filing this escalated complaint against TD Bank regarding the restriction placed on my account ending in XXXX on or about XX/XX/year>. TD Bank claims this action was due to potential identity theft. However, I was not provided with any specific details regarding the alleged activity, nor was I given timely or meaningful notice. As a result, I have been denied access to my own funds without adequate transparency, justification, or due process. While I recognize the importance of fraud prevention, TD Banks handling of this matter appears excessive and unreasonable. Requiring me to appear in person at a physical branch to verify my identitywithout offering secure and commonly used remote verification methodsplaces an unnecessary burden on me and significantly delays resolution. Additionally, the lack of clear communication and indefinite restriction of access raise concerns regarding compliance with consumer protection standards, including prohibitions against unfair, deceptive, or abusive acts or practices ( UDAAP ). The absence of transparency and reasonable access to my funds may also reflect deficiencies in TD Banks internal procedures for handling suspected fraud cases. To date, I have : Received no detailed explanation of the activity that triggered this restriction Not been offered any alternative methods to verify my identity XXXX restricted access to my funds without a defined resolution timeline I respectfully request that the Consumer Financial Protection Bureau : Conduct a formal investigation into TD Banks justification for restricting my account Require TD Bank to provide a detailed explanation of the triggering activity Ensure prompt restoration of full account access upon proper verification Evaluate TD Banks policies and practices for compliance with applicable consumer protection laws and fair access standards If this matter is not resolved promptly, I am prepared to pursue additional remedies, including filing complaints with other regulatory agencies and exploring potential legal action. I expect a timely and thorough response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation