vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Today, XX/XX/year>, they called me and told me they had a legal notice to give me. I asked what the legal notice was and then they made up a story about me being in litigation. I asked them to confirm the debt and validate it and the amount owed because I disputed the amount, he laughed at my email address, told me I was stalling, told me to get an attorney and then hung up on me-literally hung up on me.

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 or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX My voice was captured by automated prompts and recorded for illegal use or otherwise fraudulent activity that may be unknown to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX Wells Fargo bank sent an email stating as follows : Initiate Business Checking is changing Your business matters to us, and were committed to keeping you informed. Starting XX/XX/XXXX, were expanding the ways to waive the Initiate Business Checking account monthly service fee. Along with these fee waiver options, were changing the monthly service fee from {$10.00} to {$15.00}. 
How you can avoid the fee As of XX/XX/XXXX, your account activity shows you have avoided paying the monthly service fee. * To continue avoiding the monthly service fee, you wil need to meet any XXXX of the following conditions in each fee period : New : Maintain {$5000.00} or more in combined balances across eligible business checking, savings, and time accounts ( CDs ). 
New : Own a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. 
Updated : Maintain {$2000.00} minimum daily account balance in your XXXX XXXX Checking account. 

Essentially, Wells Fargo bank is now holding ( more of ) my money hostage as a small business owner so that I can avoid the increased fee for them simply holding onto my money. There is no real reason for the increased fee which I have been able avoid thus far, nor is there a real reason for the excessive minimums which prevent me from utilizing my money effectively to run my ( one-person ) business. The real penalty here is that this is a business checking account versus a personal checking account which does not have the same excessive minimum balances required to avoid fees. On my personal Wells Fargo checking account, to avoid a monthly fee, the minimum daily balance to avoid a fee is {$1500.00} and the minimum OR the total amount of qualifying electronic deposits is {$500.00} OR the age of the primary account holder is between XXXX and XXXX ( I am over XXXX ). 

This ridiculous distinction between a personal and business checking account is simply a money grab : there is no cost difference to a bank to maintain a personal versus a business checking account. This is simply a consumer rip-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 explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
Late last year, I fell behind on my mortgage payments. I went onto the mortgage company app to make a payment and was unable to do so, at which point I called their customer service number and was informed that I was in pre-foreclosure. This was the first notification of any kind I had received stating this. During this call, I was advised of the amount owed and my options, and I was able to enter into a mortgage repayment plan to bring my loan current. 

I was having a hard time understanding the exact terms of the agreement, but I followed it to the best of my abilities and so far as I can tell, I made all of my payments as required by the payment plan. I even had to take a hardship payout from my employers XXXX ( k ) plan to make the first two payments. When I went to make the third payment, two weeks early remind you, I made an error and tried to draft the payment from the wrong bank account. That payment was rejected by my bank. I was made aware of this error within two days and immediately re-submitted that payment from the correct account. As far as I knew, from that point everything was on track and I was still current on the plan.

When I tried to make my next payment the app showed that I was still due for the previous month and was substantially late in making the payment. I immediately contacted the mortgage company by phone to investigate. I was told by that representative that their records showed both of the previous payments had been returned by my bank. I immediately contacted my bank and they assured me that only the first payment had been returned and sent me copies of my account statements proving this to be correct. I then submitted a copy of these statements to the mortgage company requesting that they update their records to show I was in fact current and following the terms of the payment agreement. It took two weeks receive a reply, during whic
h time I made another payment that I believed was on time. When I finally received a response I was essentially told that they were acknowledging my bank did in fact only return one payment, but somehow I was still a month behind on the terms of the agreement. As you can imagine, Im having a difficult time understanding how they can acknowledge an error while simultaneously telling me Im still behind on my payment plan. I have bank statements showing my payments being made, and today I requested a transcript of the call where I initially entered into the payment plan, it remains to be seen if that will be provided or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XX/XX/year>, XX/XX/year>, XXXX XXXX reached this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing a complaint against Goldman Sachs Bank USA regarding the handling of my Apple Card transaction dispute. 

I booked a hotel stay using my Apple Card. Due to a major earthquake and resulting tsunami warnings in the region on XXXX XXXX, it was unsafe and impossible for me to travel. the trip could not occur. 

Despite providing documentation and disputing the charge multiple times, Goldman Sachs denied my dispute and stated that the merchant followed their terms and that the service was provided or not canceled properly. This conclusion ignores the fact that travel was impossible due to a force majeure event ( earthquake and tsunami risk ), which was entirely outside of my control. 

I made multiple good-faith attempts to resolve this through Apple Cards dispute process and submitted additional information, yet the dispute was closed without a fair consideration of the extraordinary circumstances and safety risks involved. The amount is {$1900.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I initiated an international wire transfer from my Citibank checking account on XX/XX/year> for an upcoming vacation. It is now almost a month later and the wire has not been processed. Citibanks compliance department has asked for detailed information about the wire which I have provided numerous times. The money ( XXXX euros ) was taken out of my checking account on XX/XX/year>. At that time the currency equaled XXXX XXXX dollars. 

The wire has still not been sent and it now equals much less US dollars. Citibank has made over {$700.00} holding onto my money. 

In the meantime the payee has not been paid.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I sent a Venmo payment to an individual whose account was later discovered to be restricted and carrying a negative balance. The funds were applied internally to Venmos account balance rather than being accessible to the intended recipient.

Venmo is refusing to review or reverse the transaction unless the recipient cooperates, which is not possible because the recipient is unwilling to assist due to their negative balance.

The transaction did not complete as intended, and the recipient never received usable funds. I am requesting a refund or reversal and a manual review by Venmo.

Venmo benefited from my payment by reducing that balance.

Transaction sent to XXXX Amount {$170.00} from my Venmo balance My user name XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Subject CFPB Complaint Improper Forced-Placed Insurance and Harassment ( Loan # XXXX ) ________________________________________ To the Consumer Financial Protection Bureau I am submitting this complaint regarding Rocket Mortgages improper handling of my homeowners insurance, including the wrongful placement of lender-placed insurance and ongoing harassment, resulting in significant financial harm. 

Loan Number : XXXX Mortgage Servicer : Rocket Mortgage Homeowners Insurance Provider : XXXX XXXX I have maintained valid homeowners insurance coverage through XXXX XXXX, which I pay for myself. I repeatedly notified Rocket Mortgage that XXXX XXXX is my homeowners insurance provider and provided proof of coverage on multiple occasions. 
Proof of insurance was submitted to Rocket Mortgage on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Declaration Page provided ) Despite these repeated submissions, Rocket Mortgage failed to properly acknowledge or record my valid insurance coverage. Instead, Rocket Mortgage continued to contact me as though I had no insurance, which became excessive and harassing. 
On XX/XX/XXXX, Rocket Mortgage charged my mortgage account {$4000.00} for lender-placed homeowners insurance, even though I already had active and valid coverage through XXXX XXXX that I pay for myself. This charge was improper, duplicative, and avoidable, as Rocket Mortgage had received my declaration page and proof of coverage multiple times prior to the charge. 
Rocket Mortgages actions demonstrate a failure to exercise reasonable diligence, failure to correct known errors, and improper force-placement of insurance despite timely proof of coverage. This has caused financial harm, distress, and concern regarding my mortgage and escrow account. 

I am requesting the CFPB 's assistance to : Investigate Rocket Mortgages forced-placed insurance practices Require immediate removal of the {$4000.00} improper insurance charge Require a full refund or credit of any amounts charged Ensure my XXXX XXXX policy is properly acknowledged and recorded Require Rocket Mortgage to cease harassing and unnecessary communications Correct my mortgage and escrow records going forward I have supporting documentation, including the XXXX XXXX declaration page, proof of submission dates, and account statements reflecting the improper charge, and can provide them upon request. 
Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
Hello, Please help to resolve my issue. I'm in a terrible situation with XXXX. 
I don't have access to my account for more than 2 weeks already. 
First I couldn't transfer some funds out of my account. I emailed them about the issue and it turned out that something was wrong with a passkey. 
At some point I logged out from the app and now can not login. 
We agreed that they remove the passkey so that I can recover my account, because I can not do anything to recover my account on my own. 
They requested me to send them a picture of myself and my id via their secure portal. Which I did. And then they stopped responding. 
I can not log in or recover my account, so I can not see the balance of my credit card and even worse, I can not pay my balance. 
If I don't pay it on time, there will be huge interest. Plus it can damage my credit score. 
I opened 3 tickets with them about the issue and emailed several times. 
I can not call them, because there is no number. 
I'm desperate and can not do anything. 
Please help me. I'm at risk of getting into debts because of them. 

Please take into account that I tried to call XXXX  phone number XXXX which I could find only in ai chat bot, but it's not possible to reach anyone because the recorded message says general info and call disconnects. 
Also I tried to call XXXX several times. Looks like this bank is a credit card issuer. I wanted to see if they could help to at least get a card balance and pay it. 
No way to reach them as well. XXXX recorded messages with a lot of strange promotions and then it gets disconnected too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
CEASE AND DESIST NOTICE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Email : XXXX Date : XXXX / XXXX / XXXX  To Whom It XXXX Concern, This letter serves as a formal Cease and Desist Notice pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am formally requesting that all collection activity, reporting, and communication regarding the following accounts be immediately ceased until full legal validation is provided : XXXX XXXX XXXX {$760.00} Midland Credit Management {$2000.00} Midland Credit Management {$500.00} XXXX XXXX {$110.00} Failure to comply will result in formal complaints filed with the CFPB, FTC, and Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: PA

Complaint narrative:
I am filing a formal complaint against USCB CORPORATION for engaging in illegal debt collection and credit reporting practices. 

The Debt is Not Mine : The collection account ( XXXX # XXXX, alleged original creditor XXXX XXXX  ) they are reporting for {$750.00} is NOT MY DEBT. I have no liability for this account. 

The Collector is Unlicensed : A search of the official XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Access database confirms that " USCB CORPORATION '' HAS NO ACTIVE DEBT COLLECTOR LICENSE on file ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' ). Operating as a debt collector without the required state license is a serious violation of state law and demonstrates a fundamental disregard for consumer protection regulations. 

They Violated the FDCPA 's Validation Notice Rule : USCB CORPORATION never provided me with the mandatory " validation notice '' required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g within five days of their initial communication. This is a per se violation of federal law. 

They Ignored My Formal Dispute & Demand : On XX/XX/year>, I sent USCB CORPORATION a formal written dispute and validation demand via USPS Certified Mail to their address in XXXX, PA ( see attached letter and proof of mailing ). I notified them of their 1692g violation, their unlicensed status, and demanded they delete the account from my credit reports. They have FAILED TO RESPOND and have FAILED TO PROVIDE ANY VALIDATION of this debt. Despite this, the fraudulent collection remains on my credit report. 

They Are Violating the FCRA as a Furnisher : By continuing to report this unvalidated and disputed debt to the credit bureaus ( XXXX XXXX XXXX ) after receiving my formal dispute, USCB CORPORATION is violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ). They have failed to conduct a reasonable investigation and have failed to correct inaccurate information. 

Actions I Have Taken : Researched and confirmed USCB CORPORATION has no XXXX  license. 

Sent a formal 3-page dispute/validation demand via Certified Mail on XX/XX/year>. 

The debt collector has not responded or provided validation.

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 — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a business check XX/XX/XXXX through atm to my personal acct. Chase had stopped it, i recieved messages saying the would send me the check. A week later no check so i called and they released it. So got the check opened a bussines checking acct, Through them. Next day they froze my personal and business acct and ive been calling ever since. The COO of the company that supplied the check ( i repair commercial appliances ). The amount of the check is XXXXXXXX XXXX XXXX XXXX XXXX XXXX Prior to this check i put another check through about 2 weeks earlier for on my personal acct for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  and it went through no problems. They havent even reached out to the owners of the check instead just tell me they are trying. I asked for policy info about this situation and they tell me they can not provide it. I didnt even know yall exsisted until this morning otherwise i would of been on sooner. Its halted my business, my moral is down along with my employees. I am seeking legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am disputing a collection account reported and collected by Southwest Recovery Service. 

I sent a written dispute and request for debt validation by certified mail. XXXX was confirmed on XX/XX/year>. 

To date, Southwest Recovery Service has not provided any written validation of the alleged debt. 

Despite receiving my written dispute and validation request, Southwest Recovery Service continued collection activity, including repeated telephone calls and voicemails, after XX/XX/year>. 

Additionally, the collection account continues to be reported to consumer reporting agencies while the debt remains disputed and unvalidated. 

I did not receive proper written notice or validation prior to the account being reported, and collection activity has continued despite my written dispute. 

I am requesting that Southwest Recovery Service : Cease collection activity until proper validation is provided. 


Correct or delete any inaccurate credit reporting. 


Comply with applicable debt collection and credit reporting requirements.

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 — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received multiple emails on XX/XX/year> that several of my accounts were opened at XXXX Bank. I called the number, the Customer Service representative on the phone looked up my information and advised that I go to the local XXXX XXXX and close the account. 
I contacted the Police and they met me at XXXX Bank in XXXX, Florida. At which time, I filed a Police Report, made a sworn statement with XXXX XXXX XXXX and received a Case Number.

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: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: GA

Complaint narrative:
XXXX collection bureau contacted and harressed me about an debt that I dont owe them. I never establised or validated a debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Collections was added to my account in the amount of XXXX $ Not my debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation