vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: OLD NATIONAL BANCORP
State: MI

Complaint narrative:
On XX/XX/XXXX, I spoke with a representative at the Old National Bank XXXX XXXX location regarding opening a new account. I was explicitly instructed to return on XX/XX/XXXX to open the account, with the assurance that my XXXX XXXX deposits would count toward the sign-up bonus requirements starting from the first month. This information was false, girlfriend and I were forced to maintain the account for XXXX months instead of the XXXX required, as our first deposits were not counted as the representative promised. Furthermore, I received XXXX XXXX deposits on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I inquired about the missing bonus, the bank claimed I failed to meet the " XXXX consecutive months '' requirement because they unilaterally moved one of my deposits for their " convenience. '' I was never consulted, nor did I authorize the bank to alter the processing date of my government funds. These funds are issued by the XXXX XXXX XXXX and are transmitted in advance to ensure timely receipt. The banks decision to arbitrarily shift a government-issued deposit without my consentcombined with the initial misinformation provided at sign-uphas caused me significant hardship. I have spent months attempting to resolve this : A branch supervisor previously acknowledged the error, agreeing that because these were XXXX XXXX funds, an exception should be made. I was promised a resolution within XXXX XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX XXXXXXXX XXXX who confirmed he was escalating the exception request. On XX/XX/XXXX, I was directed to the back office ( XXXX ) and was again told an exception request was being filed. On XX/XX/XXXX, I was told the back office has no authority to issue the bonus and that only the original branch can help, contradicting all previous guidance. My girlfriend, who opened her account at the same time, received her bonus on XX/XX/XXXX. I have been given conflicting information and passed between departments for over XXXX months. I am requesting that Old National Bank honor the promotion and issue the sign-up bonus immediately, as the disqualifying events were entirely the result of the bank 's initial misguidance and subsequent unauthorized handling of my government-issued XXXX payments.

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 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the denial of my request to assume my mortgage loan and remove my ex-husband from the mortgage. As part of my divorce proceedings, the court ordered that I remove my ex-husband 's name from the mortgage. Since our separation and divorce, I have been solely responsible for making the mortgage payments and have successfully maintained those payments for more than XXXX XXXX. Throughout this period, I have demonstrated my ability to afford and manage the mortgage independently. I submitted a request for a loan assumption in accordance with the divorce decree and court order. However, my request was denied. I was informed that the denial was based on the absence of specific language in the loan documents that the company requires for approval. Despite my requests for clarification, I have not received a clear explanation identifying the exact language that is allegedly missing, nor have I been provided with reasonable alternatives to comply with the court order. This decision places me in a difficult position. I am attempting to comply with a legally binding court order, have a long history of successfully paying the mortgage on my own, and have demonstrated my financial ability to continue doing so. The denial appears unreasonable given my payment history and the circumstances surrounding the request. I respectfully request that my mortgage company : Conduct a thorough review of my assumption application. Provide a written explanation citing the specific loan provisions and requirements relied upon in denying my request.

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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My phone was stolen, and an unauthorized {$200.00} Cash App payment was sent from my account on XX/XX/year>. I did not authorize this transaction and did not receive the funds. I reported the issue to Cash App as soon as I became aware of it. Cash App informed me they were investigating, but I have not received a satisfactory resolution. I am requesting a full investigation and reimbursement of the unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: OK

Complaint narrative:
On XX/XX/year> I certified mailed the attached letters to XXXX and Midland Credit management. I have received no response from Midland credit management. How ever XXXX responded with the attached letter stating account updated. On XX/XX/year> I called XXXX and spoke to XXXX and XXXX. I asked both to supply me with the following information : How they verified the debt? Whom they spoke to and a contact number? any documents they received or have associated with this debit? XXXX could not answer any of the questions only to tell me that they have documents or they wouldn't report it. He transferred me to XXXX and he would not answer the questions either when i pushed harder and sited 15 usc 1681i a7 he became angry and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX XXXX there was XXXX in unauthorized transfers from my bank account to the cash app balance. Then it was transferred to other accounts that I do not own or authorized to receive my money. When informed of this I had to threaten them over and over again to even make them file a dispute and give me the dispute niumber. They still have not corrected the problem nor have they done a proper investigation. They assume that because my device was not lost or stolen that there not responsible. They have violated my consumer rights by Regulation E. They also admitted to seeing that the money was then transferred to different accounts. I need a provisional credit to help my financial hardship until this investigation is properly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
* * Subject : Complaint Regarding Missing Cash App Transfer of {$2000.00} and Failure to Investigate or Refund Funds * * In XX/XX/year>, I initiated several Cash App transactions to send funds to my partner due to transaction spending limits imposed by the platform. The cumulative transfer amount was approximately {$2000.00}. Each prior transaction processed successfully and was received without issue. However, when I sent the final payment, my Cash App account displayed a confirmation indicating that the transaction had been successfully completed. Despite the completed transaction notice, my partner never received the funds. Immediately after discovering the issue, both my partner and I contacted Cash App customer service to report the missing funds and request assistance in locating or recovering the payment. Despite repeated attempts through customer service channels, email correspondence, and chat support, we were unable to obtain meaningful assistance or an adequate investigation into the matter. Compounding the issue, my partners Cash App account was reportedly closed due to allegations of too many high-dollar transactions, despite these transfers being legitimate personal transactions. No sufficient explanation, documentation, or meaningful review process was provided. Since the incident, I have made numerous unsuccessful attempts to resolve this matter directly with Cash App. I maintain screenshots documenting the completed transaction confirmations, along with written correspondence reflecting our repeated efforts to obtain assistance and resolution. This unresolved issue has resulted in a financial loss of {$2000.00} and caused substantial hardship, as the funds were intended for important financial obligations. To date, I have not received the transferred funds, a refund, or a satisfactory explanation regarding what occurred. I am requesting the following : 1. A formal investigation into the missing transaction ; 2. Documentation explaining the status and disposition of the funds ; 3. Reimbursement and/or recovery of the missing {$2000.00} back to my banking institution. I respectfully request prompt attention to this matter and a good-faith effort toward resolution. I am prepared to provide screenshots, transaction records, and correspondence to support my claim. Sincerely, XXXX XXXX Referenced Account : Cash App : XXXX XXXXXXXX Cash App Email : XXXX Cash App Case Number : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
am filing this complaint against Citibank due to a severe and damaging credit reporting error, which directly breaches an official written agreement and resolution provided by their Executive Response Unit. On XX/XX/year>, in response to my previous CFPB complaints, Citi 's Executive Response Unit sent me a formal letter ( Citi Reference Number : XXXX ). In this letter, Citi officially confirmed that balance adjustments had been made to bring my account to a XXXX ( {$0.00} ) balance. Furthermore, the letter explicitly assured me : " Our records indicate that no adverse information has been reported to the consumer reporting agencies regarding your Citi Double Cash account. '' Despite these strict written assurances, a review of my TransUnion credit profile as of XX/XX/year>, reveals that Citi is actively reporting XXXX severe derogatory items : XXXX CITICARDS CBNA ( Account ending in XXXX ) : Reported on XX/XX/year>, as a " Collection/Chargeoff '' with a past due balance of {$260.00}. XXXX CITI ( Flexible Spending Credit Card ) : Reported on XX/XX/year>, as a " Collection/Chargeoff / Past Due '' with a past due balance of {$630.00}. Citi 's automated systems are continuing to report inaccurate, negative " Charge-off '' data to the credit bureaus after their executive team officially closed and cleared the accounts. This ongoing inaccurate reporting constitutes a severe violation of the Fair Credit Reporting Act ( FCRA ) and is causing immediate, substantial harm to my credit score and financial standing. Since Citi has failed to internalize their own executive resolution, I am requesting the CFPB 's intervention to compel Citibank to immediately cease this erroneous reporting, submit a Universal Data Form ( UDF ) to delete these negative marks entirely, and accurately reflect a {$0.00} balance with a " Closed at consumer 's request '' status.

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 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Co LLC
State: CO

Complaint narrative:
I am filing a complaint regarding DEBTCO 's continued attempts to collect an alleged debt that I do not owe. I have provided documentation demonstrating that the claimed balance is inaccurate and invalid. Despite receiving evidence disputing the debt, DEBTCO continues to contact me regarding collection of the alleged balance OF {$840.00}. I have requested validation of the debt and have disputed the account. To date, I have not received sufficient documentation establishing that I owe the amount being claimed. I am concerned that DEBTCO may be attempting to collect a debt that is not legally owed and may be furnishing inaccurate information to credit reporting agencies. I am requesting that DEBTCO : Cease all collection activity regarding this disputed debt. Provide complete validation of the alleged debt. Correct or remove any inaccurate credit reporting related to this account. Confirm in writing that the matter has been resolved. I have attached supporting documentation showing why the balance is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against USAA Federal Savings Bank regarding the closure of my accounts following a member profile review notice. USAA sent me a notice dated XX/XX/year>, requesting that I update my member profile by XX/XX/year>. I acknowledge that I missed this deadline. However, during the period between receiving the notice and the deadline, I contacted USAA by phone on more than XXXX occasions for various account-related matters. At no point during any of these calls did a USAA representative mention the pending profile update requirement, alert me to the approaching deadline, or inform me that my accounts were at risk of closure. Significantly, during this same period I applied for a credit limit increase through the USAA mobile app and was approved. USAA was actively extending me additional credit while simultaneously preparing to close my accounts due to an incomplete profile and still no representative raised the profile issue at any point. I find it difficult to understand how my profile was considered insufficient to maintain existing accounts, yet sufficient to approve new credit. I am an active, engaged member who regularly contacts USAA to manage my accounts. Had any representative mentioned this requirement during even XXXX of my six-plus calls, or flagged it during my credit limit increase application, I would have completed the update immediately. Instead, my accounts were closed on or around XX/XX/year>, without any verbal warning during my numerous interactions with the bank. I am requesting that USAA review my call history and account activity to confirm my repeated engagement during this period, and that they allow me to complete the member profile update now in order to restore my accounts or open new ones in good standing. I believe the bank 's failure to raise this issue during multiple customer service calls and a credit application contributed directly to this outcome. I respectfully ask the CFPB to look into this matter and encourage USAA to work with me toward a fair resolution. Account holder : XXXX XXXX XXXX : XXXX XXXX, TX

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XX/XX/year> I was driving from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX where I live. While driving I received a notification that {$1100.00} was just taken from my account and spent at an XXXX XXXX. I pulled over, and immediately went to my account because I didn't spend anything at XXXX nor did I have my card on file anywhere to make that purchase. I looked up the store number just to see that it was just used at XXXX XXXX in XXXX. I immediately contacted Sofi to let them know that it wasn't me who made that purchase. They asked me, " Did I still have my card and phone with me? '' I said Yes, then they asked " Does anyone know you pin '', I said No. After the conversation they said that they will investigate and get back with me. XX/XX/year> they sent an email saying to send any documents that support my dispute. I sent XXXX receipts from a restaurant and gas station in Arkansas, as well as my work email that states I was stationed in Arkansas at time of charge. XX/XX/year> XXXX made a decision and stated that following : " A PIN was used to authorize the transaction. You indicated that you secure the PIN in memory and do not share it with third parties. The card is virtual and stored on the cardholder 's phone, the cardholder maintains possession of the phone and does not indicate their phone was stolen/compromised. The transaction ( XXXX ) was made with a authenticated mobile device. The transaction ( XXXX ) was approved using biometric authentication and/or an established passcode previously set on the registered device. The card is in your possession and there is no other fraudulent activity on the account around the time of the disputed transaction ( XXXX ). " I immediately called because they were wrong. I NEVER MADE THAT PURCHASE. They told me they will reopen the claim and for me to submit more information. I asked what else would you need for me to provide. They said, and I quote, SoFi is unable to advise what is needed in order to appeal your claim.. So as recent at today XX/XX/year> I am unable to get any form of evidence from Sofi. I firmly believe that NO investigation happened, and they just used the answers to the question the initially asked to make a decision. They never once applied a credit or mention that my account has been compromised. As a matter of fact they won't even acknowledge that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV FUNDING LLC XXXXXXXX XXXX XXXX XXXX XXXX Address C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX Phone XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type DEBT BUYER Balance {$1700.00} Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$1700.00} Original Creditor DXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Past Due {$1700.00} Pay Status >In Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks ACCT INFO DISPUTED BY XXXX Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided bXXXX XXXX XXXXXXXX XXXX XXXX RESULTS - VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Remarks ; Rating ; Payment Received ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX This account was opened while I was actively living and working in Florida. It was opened by someone in Oklahoma and mailed to my exes home. It was ordered over the phone and a male gave out my info then maxed the card out and never paid it off. I did not open this account, it needs to be deleted from my credit file. It is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Description of XXXX : I am a Washington State homeowner attempting to complete a home refinance. I am filing this complaint against my current mortgage servicer, Onity Mortgage Corporation ( formerly known as PHH Mortgage/Ocwen ) , due to major internal record-keeping errors and structural boarding failures that have created an unverified cloud on my property title.Onity recently sent me an official response letter regarding an inactive secondary account linked to my property ( Loan No. XXXX ). In this letter, Onity explicitly admits in Section XXXX that they do not possess the original promissory note, Deed of Trust, or necessary assignments for this account, stating : " Onity Mortgage does not retain the original loan documentation for this account. '' They also state that the account was marked inactive and outsourced to a third-party collection agency ( XXXX ) nearly 18 years ago on XX/XX/XXXX. No statements or notices were ever provided to me.Simultaneously, Onitys own provided history confirms that my primary active mortgage ( XXXX XXXX. XXXX ) was legally and successfully modified on XX/XX/XXXX ( with a balance of {$460000.00} ) and again on XX/XX/XXXX. Onity 's system failed to properly satisfy or reconcile the underlying XXXX secondary account during these subsequent recorded loan modifications. Because of Onity 's acknowledged lack of legal ownership documentation and their severe tracking delays, a third-party debt collector is now attempting to weaponize an XXXX expired zombie note to block my active XXXX refinance. Under Washington State law ( RCW XXXX ), the XXXX statute of limitations to enforce a written note has long expired. Onity 's failure to release this undocumented XXXX or provide immediate title clearance while actively admitting they do not hold the underlying note is a direct violation of consumer protection standards.

Company response to consumer: Closed with explanation