vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
In the middle of our escrow dispute, United Wholesale Mortgage has decided to pay my homeowners insurance a month early and in the wrong amount. I am attaching my policy premium for record. UWM paid {$2600.00}, causing ashortage of {$220.00}. My actual premium is {$2400.00}. Or in other words, they overpaid my homeowners by {$250.00}, thus causing the shortage. They are disputing the premium and claim they paid early because they pay as soon add the payment notice is received. Certainly not true for my property tax. I want UWM to grant my escrow waivers and release both my escrow accounts due to their gross mismanagement. I am suffering health effects from the stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: NY

Complaint narrative:
XXXX XXXX someone took {$3300.00} off my Cash App without my permission. Tried getting My money back from Cash App and they came up with and answer they denied my refund because I authorized someone to use my account and I didnt I told the my phone was hacked when I left my phone on the air plane when I was coming back home from California . My bank account was hacked also but the bank gave me that money back but Cash App not doing there part. This is an email I received from Cash App My name is XXXX, I'm with the Cash App Disputes team and I'll be looking into your case. We reviewed your dispute claim and determined that the transaction being disputed was authorized by someone you previously granted access to for making transactions on your device. Therefore, we have denied your claim. You are entitled to request the documents we relied on making this determination. To initiate this request, please click here ( https : //cash.app/launch/support/CLAIM_DOCS ) ( https : //cash.app/launch/support/CLAIM_DOCS ). Please Note : You must click this link on your phone and have the app downloaded to launch this link. For your reference, the case number associated with this claim decision is XXXX. If you need further assistance for a different issue from Support. To open a new case : Tap the profile icon Tap Support Go to Contact us You can call us at XXXX or check out https : //cash.app/contact for more ways to contact Cash App Support. XXXX XXXX Cash App Support thread : XXXX : :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
Please verify the balance, move out charges, reporting dates, and collection authority associated with this rental collection

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
The company, Johnson Mark LLC, who was a debt collector for XXXX. This debt collect, took full payment for my debt over the phone, then separately garnished my wages and collected the debt form my employer as well. When I called them, they apologized and promised all funds would be returned within 30 days. Now they say they have no record of this ever happening.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
I am filing this follow-up complaint because my previous case ( case number XXXX ) was closed by the company without actually resolving the issue of my missing funds. In their response to my previous complaint, Current explicitly stated : 'We found that the dispute request was not submitted successfully ; therefore, we have provided the agent with additional feedback and coaching. ' Despite this written admission that their internal process failed, I have received no update, no check, and no communication regarding the release of my funds. These funds include Social Security Disability payments. Currents internal error has left me without access to essential benefits. I have requested proof of the refund check they claim to have mailed, but they have provided no tracking or verification. I am requesting an immediate investigation into the location of these funds and proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Hello, I have previously requested OneMain to only reach out to me via written communication in regard to my personal loan secured by my vehicle due to multiple unauthorized attempts to charge my debit card for a balance that was already cleared and inaccurate information being provided to me via phone vs email. I have made several attempts to reach out to them in reference to my account status and modifications since losing my employment with the employer that I had at the time of my loan. I was advised that my decrease in income needed to be 35 %, it is roughly 34.47 % decrease. I have sent multiple emails and have been ignored until I received a repossession notice today XX/XX/year> and I was offered a deferment plan today for {$520.00} but was advised it needs to be scheduled by XX/XX/year>. I requested this in writing so I can reach out to local charities, and they refused to provide this information in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: TX

Complaint narrative:
I am filing a formal complaint against Bank of America regarding the wrongful closure of my account and false reporting to XXXX. Bank of America closed my account without providing a legitimate explanation and reported me to XXXX for account abuse. This reporting is false and inaccurate. I have never engaged in fraudulent activity or account abuse. Over a year ago, I contacted Bank of America to dispute this reporting and was informed by a representative that the issue would be corrected. Despite those assurances, the false XXXX reporting has still not been removed or corrected. As a direct result of this inaccurate reporting, I have experienced significant hardship and have been denied the ability to open other bank accounts. This has negatively impacted my financial stability and ability to access basic banking services. I believe Bank of America has failed to properly investigate this matter and failed to correct inaccurate consumer reporting information despite being notified of the issue. I am requesting that Bank of America : 1. Immediately investigate the false account abuse reporting 2. Remove any inaccurate information reported to XXXX 3. Provide written confirmation once the reporting has been corrected 4. Provide copies of any documentation used to justify the account closure and reporting 5. Ensure that no further inaccurate information is being reported under my name I respectfully request prompt action to correct this matter, as the continued false reporting is causing ongoing financial harm and preventing me from opening bank accounts elsewhere.

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 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
We had a XXXX XXXX subscription for XXXX years. We called to cancel XXXX XXXX and we were always auto pay. The auto pay was canceled and the person said we at XXXX balance and canceled.This was around XX/XX/XXXX and the account was closed. On XX/XX/XXXX, Credence Resource Management opened an account on all three credit bureaus, stating I owed XXXX for the XXXX XXXX account. It states it was opened by XXXX which is false I still have all my XXXX accounts for the past 20 years and they are still active. It also shows it had tried to collect through XX/XX/XXXX, which is a also a lie because I do not owe this. This company has clearly purchased the " fake debt '' due to a system error from XXXX XXXX, labled it as XXXX, and then leaving on my credit. I have called the company and demanded it be removed and it was from my XXXX however my XXXX XXXX still shows it active and I havent ' checked with XXXX ( at this time ). On XX/XX/XXXX, I purchased a car however I was not offered the higher rate due to this FALSE ACCUSATION ON MY XXXX Credit Report. This company has violated my consumer rights and I was not offered the loan I deserved due to their unscrupulous business tactics. I do not owe this debt whatever and this account is fake as I do not have any form of agreement with this company nor have I signed any documents agreeing to paying this amount. This is not the first offense as of XXXX, they were ordered to cease and desist this form of debt collection. This needs to be handled immediately as it is completely false and if there is a class action lawsuit, I am open to receive damages. They have caused me to lose my high credit score, ruined my opportunity for a better finance rate, and have caused me mental distress due to contacting them. Their rep and their manager were advising me invalid information and I had not known my rights, it would have gone unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
At the beginning of XXXX, I reviewed my credit report and discovered a collection account from Portfolio Recovery related to XXXX XXXX in the amount of {$890.00}. I had never heard of Portfolio Recovery prior to seeing this account on my credit report and have never opened a new credit card in XX/XX/XXXX. On XX/XX/XXXX, I mailed a written request to Portfolio Recovery asking for validation and proof of the debt. I did not receive any response or documentation. I then disputed the account with all three credit bureaus, but the disputes were denied without any proof of the alleged debt being provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX violated their contract by making me pay for cable monthly mid contract. I didnt even have cable. Then when it was time to renew they refused to renew unless I back paid for this cable. I had no where else to go so had to do it to have housing for me and my kids. Its illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I had a membership with XX/XX/XXXX. I informed them my job required me to travel often and due them not having gym locations in the cities I was assigned to work, I was unable to visit their gym and requested a cancellation. Despite contacting them and canceling over the phone, they continued to charge me. I reached out to my bank and disputed the charges. I have now come to find out that they placed a collection on my credit report through First Credit Service for the amount of {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I had a online title loan through title max/speedy cash, the car was totaled and insurance sent a check to the cooperate headquarters in Texas and check was cashed and I received proof of cleared payment but title max has yet to apply to my loan and its extremely delinquent and Ive called over 25 times and no one will help or able to tell me why the money hasnt been applied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
For years I have had an XXXX XXXX mileage credit card through XXXX XXXX. XXXX decided recently to change XXXX to CitiBank. This transition has not occurred well. On XX/XX/year> I received my stated via email from XXXX 's bank for the annual renewal fee of {$99.00} showing a due date of XX/XX/year>. On XX/XX/XXXX I schedule an automatic payment to XXXX 's to occur on XX/XX/year>. This was to happen while I was out of the country. When I returned on XX/XX/XXXX, I had received numerous emails from CitiBank saying I owned them money and my payment was past due. Needless to say I was a bit confused. To date, I had never received a statement or new credit card from CitiBank -- just emails saying I owe them money. When I tried to log into XXXX, I received a message indicating that the account was now being handled by CitiCard. What I realized afterwards, is that CitiBank took over the account in the middle of the billing cycle, on XX/XX/year>. When I finally got through to CitiBank, which was difficult at best, and indicated that I hadn't received anything other than emails saying I owe them money, I decided to cancel the entire account on XX/XX/year>. At that time that representative indicated they would cancel the account and remove the annual fee. Today, XX/XX/year> again I am receiving emails indicating I owe them money. So I call again and am told that they can not remove an annual fee even though the account has been closed. Needless to say, I find this a fraudulent move on their part. The account is closed, and it is an account which was barely used in the first place, and I am still being held accountable for an annual fee which was send to me in a statement on XX/XX/year>. Because I don't want my credit ruined, I had to go ahead and pay an annual fee for a card I have canceled.

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 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the following information in my file. I have recently reviewed my credit report and identified items that are inaccurate, unverified, and do not reflect my true financial history. Pursuant to 15 U.S. CXXXXe XXXX ( b ), your agency is required to follow reasonable procedures to assure maximum possible accuracy. The reporting of the items listed below indicates a failure in these 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 non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Account is XXXX months past due. I am working with a credit counseling agency to resolve the balance. Citibank refuses to accept the proposal and directed me to XXXX. XXXX XXXX XXXX states they are legally barred by Citibank 's system from accepting the proposal and directed me back to Citibank. This administrative loop is actively preventing me from resolving my debt. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX multiple calls due to being left on hold for XXXX and being hung up on. XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Citibank managers explained that they are not allowed to handle any payment arrangements because XXXX is servicing the account. XXXX says they can not make payment arrangements because Citibank owns the account. XXXX XXXX has been working hard with citibank and XXXX also getting the same push back and back and forth. Citibank is not allowing us to file a hardship, again stating the account belongs to XXXX and XXXX says they are only allowed to service the a count. We have spoken to multiple departments with citibank : recovery, financial hardship, managers, supervisors, customer service, and at times were told there were no managers available to speak with us. XXXX is a XXXX we spoke to. I can provide the employee numbers from my notes if needed. For customers who are trying to resolve their debt responsibly after having experience medical emergencies, this has been a terrible experience. We have only experienced this with citibank and wonder how many customers they are roadblocking, who are trying to responsibly pay their accounts to prevent charge off.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding recurring paper statement fees being charged on my Prosper account despite the lack of a meaningful or functioning electronic statement option. This issue was previously reported to Prosper and I was specifically advised that the matter had been corrected. Despite those assurances, the paper statement fees resumed again. I should not be charged a recurring fee for paper statements while simultaneously being unable to properly opt into electronic delivery or while the company fails to maintain the electronic preference previously requested. This creates a forced fee structure where consumers are charged fees they attempted to avoid and were told had already been resolved. The issue is especially concerning because the company had prior notice of the problem yet failed to permanently correct it. The application or online platform doesnt let me opt in to electronic and the error message is attached. I am requesting : * reimbursement of all paper statement fees charged, * written confirmation that electronic statements are permanently enabled, * confirmation no future paper statement fees will occur, * and a full review of the account history for any additional improper charges associated with this recurring issue.

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