vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
QWR, DVR and demand for disclosure under TILA On XX/XX/XXXX Newrez as successor for Caliber Home Loans ( " Caliber '' ) filed a response to my Complaint where NewRez lied to CFPB and to myself. In a merger, the surviving corporation - NewRez, owned by XXXX  XXXX XXXX via its hedge fund XXXX XXXX - will assume all of the merged companys ( Caliber owned by hendge fund XXXX XXXX ) liabilities and obligations, including tort liability, as well as any criminal penalties imposed for conduct that occurred before the effective date of the merger. Although a merged corporation ceases to exist, legal proceedings that were pending against it at the time of the merger may proceed without formal substitution of the surviving corporation as a named party in the suit. 

According to NewRez 's lies " The loan was transferred to Caliber on XX/XX/XXXX, from XXXXXXXX XXXX XXXX  Caliber serviced the loan from XX/XX/XXXX through XX/XX/XXXX, when the loan was transferred to XXXX XXXX XXXX XXXX XXXX ( XXXX ). NewRez failed to disclose who hired Caliber as a Servicer or who authorized this " servicing transfer '' According to forged XXXX. XXXX allegedly " transferred '' this illegal table funded dry transaction to Caliber on XX/XX/XXXX - my closing day. Table funded dry transactions are prohibited in Michigan and violates UCC, RESPA, TILA and MI Residential Closing Funds Distribution Act of 2005 According to my phone conversation with alleged " Servicer '' XXXX, XXXX transferred my alleged " transaction '' to XXXX on XX/XX/XXXX, not to Caliber I demand to provide me disclosure whose FUNDS were used to fund my transaction on XX/XX/XXXX if Caliber was listed as the provider of VA " loan '' in the Commitment Letter '' dated XX/XX/XXXX Disclose full chain of Title to the debt, specially when and by whom this " Va Loan '' was SOLD to XXXX as promised Disclose who hired Caliber as a Servicer and who authorized Caliber to conduct servicing. Provide me a copy of any Pooling and Servicing Agreements which can shed light when and by whom Caliber was hired as a Servicer. 

Disclose who was entitled to receive and who actually received my money between XX/XX/XXXX through XX/XX/XXXX Provide me proof of derecognition of this asset after it was sold to anyone else

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally request a review of a recent foreign-exchange conversion applied to a wire transfer into my account. 
- On or about XX/XX/year>, a client sent a wire in the amount of XXXX CAD  to my Capital One account. Capital One credited my account with XXXX USD, which reflects a conversion rate of approximately XXXX USD per CAD. 
- However, the true exchange rate on XX/XX/year> was approximately XXXX USD per CAD. Based on that rate, the expected credit should have been approximately : XXXX CAD XXXX = XXXX USD. This means I received approximately : XXXX USD less than the amount implied by the prevailing market rate for that date. 
- This difference is significant and very painful for me financially. Prior to this transaction, I specifically called Capital One and was informed that the bank uses the accurate true current exchange rate. Based on that representation, I reasonably expected a conversion close to the prevailing market rate. I called Capital One on XX/XX/XXXX and again on XX/XX/XXXX, i was promised a call back, but no called has been returned to me. 
- I would appreciate a clear explanation of why such a substantially lower rate was used. This outcome feels unfair, especially in light of the information I was previously given. 
- Given my relationship with Capital One, I respectfully request that you review this transaction and refund the full difference of approximately {$2700.00}, or at the very least provide a goodwill credit in recognition of this situation. 
- Thank you for your prompt attention to this matter. I look forward to your response and a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am being ripped of by Service Finance and am being charged incorrect interest due to this corrupt company saying I missed a payment. 
I have copies of all of my checks since XXXX, 2024, in front of me and every month has been paid.This company makes a practice of doing this to customers, just read the reviews. 
They are saying I owe a payment, which I have the proof they are lying, and are charging me extra interest. 

About {$300.00} is the total they need to fix. 

Legal action will come next.

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 2026-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: IN

Complaint narrative:
My cash app account got closed due to the fact that my cousin had my cash app card and I didn't know it and used it to withdraw money from the XXXX  from the atm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am filing this complaint regarding misleading promotional disclosures and undisclosed conditions tied to a Citi credit card balance transfer offer. 

I previously filed a CFPB complaint related to improper payment allocation. That complaint was closed after Citi responded. However, Citis written response introduced a previously undisclosed condition that materially alters how the promotional XXXX operates. This complaint addresses that disclosure issue. 

Citi promoted a balance transfer as 0 % XXXX until XX/XX/year>, after which the XXXX increased to approximately 20.24 % ( annual XXXX ). Based on this disclosure, a reasonable consumer would believe that making payment by the promotional end dateor immediately afterwould avoid interest at the higher rate. 

In Citis written response to CFPB and to the XXXX XXXX Attorney General, Citi stated : In order for the payment to be applied to the expiring balance transfer, the account must cycle before the promotional interest rate is updated to the purchase rate. 

This account cycle requirement was never disclosed in the promotional offer, cardmember agreement, or any balance transfer terms provided to me. 

More importantly, Citis explanation creates a practical impossibility for the consumer to avoid interest : 1. If I made a payment before XX/XX/year>, Citis own payment allocation rules would require that payment to be applied to a different promotional balance with a lower APR ( 0.99 % ), not to the expiring balance transfer. This would not protect me from post-expiration interest. 
2. If I made the payment on or after XX/XX/year>, the date the XXXX increased, Citi claims the payment could not be properly applied unless the account had already cycledan undisclosed internal processing requirement. 

As a result, there was no disclosed or reasonable way for me to comply with the promotion as advertised and avoid interest. The promotional statement of 0 % APR until XX/XX/year> is therefore misleading, because interest liability is actually determined by an undisclosed statement cycle, not the advertised date. 

An undisclosed timing condition that determines whether interest is charged is a material term and must be clearly disclosed. Citis reliance on internal processing rules to deny the consumer the benefit of the advertised promotional APR constitutes misrepresentation by omission. 

Because this logic would apply to any consumer with multiple promotional balances, this appears to be a systemic disclosure issue affecting Citis balance transfer promotions. 

I respectfully request CFPB review of whether Citis promotional disclosures and practices comply with federal consumer protection and Truth in Lending requirements.

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 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, a charge of {$300.00} from XXXX XXXX by XXXX XXXX XXXX XXXX posted to my credit card. I did not authorize or use this hotel. 

I disputed the charge on XX/XX/XXXX. The company issued a temporary dispute credit and then reversed it on XX/XX/XXXX. After reversing the credit, the company charged interest on XX/XX/XXXX. 

On XX/XX/XXXX, the company received and signed for my certified written reinvestigation request regarding this unauthorized charge. Under the Fair Credit Billing Act, the company was required to acknowledge and investigate this dispute within 30 days, by XX/XX/XXXX. No written acknowledgment or investigation response was provided. 

When I contacted the company, I was told that my certified dispute was never received and that the company was relying on a prior decision. This was incorrect, as I have proof of delivery and signature. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that the company was relying on its prior investigation and considered the matter closed, without addressing my XX/XX/XXXX written dispute. 

As a result of the improper reversal, my account balance increased and exceeded approximately 30 % of my credit limit, causing negative credit utilization impact. I continued making payments and ultimately paid the account in full, including amounts related to the disputed charge. 

The company has not refunded the disputed amount, reversed the interest, or properly addressed my certified reinvestigation request, despite multiple written notices and proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
Oliphant USA, LLCs continued collection communications, continued furnishing/verification of this alleged debt, and repeated failure to resolve my written disputes and cease-communication demands has caused severe and prolonged stress and resulted in significant health-related harm and emotional distress. This has not been a minor inconvenience ; it has been an ongoing situation affecting my mental and physical wellbeing and my ability to function normally. 
The constant monitoring of my credit, repeated disputes, reviewing collection messages, and dealing with unresolved inaccuracies has created ongoing psychological pressure. This stress has directly contributed to XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, and it has negatively affected my concentration, emotional stability, and daily functioning. 
Importantly, I have experienced XXXX  XXXX  that I did not experience prior to this ongoing situation. These episodes are distressing and have impacted my ability to function at work and in daily life. 
As a result, I have required XXXX XXXX, including psychiatrist visits for evaluation and treatment, and I have been prescribed medications for XXXX, XXXX XXXX XXXX XXXX. 
This harm is especially serious because I have an ongoing immune XXXX. Chronic stress and lack of sleep are medically significant for immune health and overall stability. The continued pressure of repeated collection contact, unresolved dispute issues, and ongoing credit damage has compounded my health vulnerability and worsened the impact. 
This matter has also affected me at work. Due to the ongoing symptoms and medical needs caused or worsened by this situation ( including appointments and episodic health impacts ), I applied for intermittent XXXX and received approval. The need for intermittent XXXX reflects the severity of the impactthis ongoing situation has interfered with my sleep, concentration, and emotional stability to XXXX XXXX that it has affected my work performance and required protected leave. 
I am documenting these harms to show the real-world consequences of Oliphants continued conduct and deceptive and fraudulent practices, including ignoring written cease notices, withholding validation while continuing collection communications, and continuing to furnish/verify materially inconsistent information. Oliphant debt collections practices which are proven to be unlawful and deceptive conduct violate consumer rights, FCRA, FDCPA, FTC, XXXX AND CFPB LAWS AND REGULATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
1 ) SYSTEM ERROR = INVALID DATE GLITCH Your file shows : Invalid date, Invalid date, Invalid date That is a XXXX parsing failure between XXXX and the furnisher. 
A tradeline that can not render valid date fields is not capable of maximum accuracy under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  Appendix A date formatting requirements This is grounds for deletion because the CRA can not even display compliant history. 



2 ) CONTRADICTORY REPORTING STILL EXISTS You now have : Terms : 1 Month Monthly payment : blank Yet showing 24 months of C = Collection A collection account CAN NOT have 1 month terms. 
XXXX requires : Portfolio Type = Collection ( Code D ) No installment terms No scheduled payment field This is internally inconsistent data = inaccurate by definition. 



3 ) XXXX / Removal Date Conflict They claim : On record until XX/XX/XXXX Collection history back to XX/XX/XXXX Charge-off in XX/XX/XXXX That math doesnt match XXXX XXXX from XXXX. 

If charge-off = XX/XX/XXXX XXXX must be no later than XXXX Drop should be XXXX at latest ONLY if XXXX XX/XX/XXXX But they are not displaying XXXX at all. 

Missing mandatory field. 



4 ) Balance Updating Without Activity You show : Balance updated XX/XX/XXXX Recent payment : none XXXX rule : Balances may not be refreshed without consumer activity or adjustment reason. 

This is unlawful cosmetic updating to keep tradeline fresh.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
" This complaint is related to my prior CFPB case # XXXX involving XXXXXXXX XXXX XXXX errors and refund. After that case, XXXX sent a newly due bill to collections, which appears retaliatory. '' This complaint is related to my prior CFPB case regarding XXXX 's billing errors and improper charges, which resulted in a refund through XXXX in our favor. After that dispute was resolved, XXXX sent our XX/XX/year> bill to a collection agency almost immediately, without reasonable delinquency time. This appears retaliatory and is part of a continuing pattern of account mismanagement. We are disputing this collection action and requesting immediate recall from collections and confirmation that no negative credit reporting will occur. We are asking for written resolution and assurance that our account will not be further mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Company Name : XXXX XXXX XXXX, XXXX Method of Contact : Phone calls Dates of Contact : XX/XX/2026 XX/XX/2026 Call Log ( Known Calls ) : XX/XX/2026 at XXXX XXXX 

XX/XX/2026 at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Summary of Contact : XXXX XXXX XXXX, XXXX placed multiple phone calls to me over the above time period regarding a debt. The calls occurred on multiple dates, including more than one call on XX/XX/2026. 

Impact : The repeated phone calls occurred during daytime hours and disrupted my daily activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
This complaint is tied to the alleged XXXX account # XXXX and the related alleged tradeline reported by Collection Oliphant Usa LLC under Account # XXXX / # XXXX, which I dispute as inaccurate and fraudulent/ not owed. In addition to improper, inaccurate furnishing and misleading reporting, Oliphants conduct includes ongoing communications that continued even after they were placed on written notice through CFPB complaints and a cease-and-desist/cease-communication demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
I am submitting this complaint regarding the reporting of a single late payment on my mortgage account with Freedom Mortgage Corporation. 

The late payment was accurately reported ; however, it was an isolated incident during a temporary income transition where I was facing hardship but also waiting for my Veteran XXXX Compensation to hit my account. My account is now current, and my payment history before and after this event has been on time. 

I submitted a goodwill adjustment request directly to Freedom Mortgage asking for consideration of a one-time removal due to the isolated nature of the late payment. Freedom Mortgage responded that they do not adjust credit reporting as a courtesy, without addressing the substance of my request or reviewing it as a goodwill consideration. 

I am requesting that Freedom Mortgage conduct a higher-level review of my account and reconsider a one-time goodwill adjustment given my otherwise positive payment history and current standing. 

Attached are my correspondence and payment history for reference.

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 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I was scammed out of XXXX for XXXX XXXX tickets and Paypal will not issue a refund.I keep trying to call a my and blocked my phone number.This is an emergency and I need my money returned back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management is reporting a credit card collection account with a balance of {$1300.00}, allegedly originating from The XXXX XXXX XXXX. The account is reported as opened in XX/XX/year> and has been updated as recently as XX/XX/year>. 

I sent a written request for verification of this debt to Midland Credit Management. The request was delivered and received, but Midland Credit Management did not provide any response or documentation to verify the debt. 

After the validation request went unanswered, I also sent a cease-and-desist notice. Despite this, Midland Credit Management continues to report the account on all three credit reporting agencies. 

Midland Credit Management has not provided proof that it owns the debt, that the balance reported is accurate, or that it has the authority to collect. Continuing to report a collection account without responding to a verification request results in incomplete and inaccurate credit reporting and prevents me from confirming the legitimacy of the debt. 

I am submitting this complaint because my attempts to resolve this matter directly with the company have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
In Oliphants CFPB responses, they stated that a validation of debt package was requested from the servicer of the account yet that validation package has never been provided to me. 
If Oliphant is the alleged owner or has authority to collect/furnish, they should already possess the underlying account-level documentation needed to validate and substantiate the alleged debt. Instead, they reference a servicer and a requested validation package while continuing collection/furnishing activity. 
This is not consistent with a lawful, reasonable, good-faith approach to collecting or furnishing information about an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AR

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXXXXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: RI

Complaint narrative:
Robinhood is preventing me from accessing my money, claiming its investigating from fraud as Im about about to buy a house in two, if i am incapable they will be liable and since I asked you for help you will be too if you dont have them life the restrictions so that I can remove my money from their platform. Thank you for your time.

Company response to consumer: Closed with explanation