vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am filing this formal complaint against Ally Bank for their unprofessional handling of my account, where I have been a loyal customer for over XXXX  years. 

XXXX. Account Restriction Without Prior Notification : Ally Bank blocked the " Transfer Funds '' functionality out of my account without any prior notice. I was never sent an email, a letter, or a push notification informing me of this restriction. I only discovered that my funds were held hostage when I attempted an urgent transfer and the system failed. This " silent freeze '' on a consumers ability to move their own money, without any communication, is a violation of fair banking practices. 

XXXX. Deletion of Linked Accounts & Blocking of New External Accounts : When I attempted to move my legitimate funds, I discovered that Ally had arbitrarily deleted all of my verified external linked accounts from my profile. Furthermore, they have blocked me from re-adding any new external accounts. This is a deliberate act of trapping my funds within the Ally ecosystem, allowing only internal transfers between Ally accounts. Despite this, Ally 's customer service provided unhelpful responses, claiming there were no issues with the account while making no effort to resolve the technical blockade they implemented. 

XXXX. Failure to Provide Support and Responsibility Shifting : When I called customer service to resolve this, the representative simply shifted the blame to XXXX, stating there was nothing Ally could do. This is a clear evasion of responsibility, as the restriction is within XXXX own banking platform. 

XXXX. Breach of Promised Investigation Timeline ( Ref XXXX XXXXXXXX ) : On XX/XX/year>, I proactively provided XXXX pieces of evidence ( Exhibits XXXX, XXXX, and XXXX  ) proving the transaction was legitimate. Ally issued reference number XXXX and officially promised a response from their XXXX within XXXX business days. Today is XX/XX/XXXX, and Ally has completely missed its own deadline without any communication at all. 

XXXX. Financial Hardship : By holding my funds hostage and ignoring my evidence for over XXXX weeks ( and over a month since I called Ally ), Ally is causing me significant financial distress. I demand the immediate restoration of my accounts transfer capabilities. 

Ally Bank has shown total disregard for its procedural promises and my rights as a consumer. I demand the immediate restoration of my accounts transfer capabilities.

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX  days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I made a {$100.00} money transfer through Western Union in XXXX. I canceled the transaction immediately after making it, and the funds were never picked up by the recipient. Despite this, I have not received my refund. It has now been approximately six months, and Western Union has failed to return my money despite multiple attempts to resolve the issue. I am requesting immediate resolution and reimbursement of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am filing a formal complaint against Chase Bank for a deeply disturbing and discriminatory encounter with a phone agent on XX/XX/year>, at approximately XXXX AM XXXX. I called XXXX, selected the " XXXX XXXX '' option, and spoke with a XXXX  agent for XXXX minutes and XXXX seconds. 
During this call, I experienced clear XXXX mocking and intentional harassment based on my national origin. The details are as follows : Intentional Difficulty with XXXX XXXX : The agent repeatedly claimed she could not understand my name, despite me pronouncing it clearly more than twice. Only after I spelled it out did she proceed. It felt like a deliberate attempt to intimidate a non-native XXXX speaker. 
Refusal to Provide XXXX XXXX : When asked for the purpose of my call, I explained my situation clearly and slowly. The agent claimed she could not understand anything I said. When I requested an interpreter, she asked which language I needed. 
XXXX Mocking : I stated " XXXX  '' XXXX separate times. Instead of connecting me to an interpreter, the agent responded with mocking, distorted pronunciations of the word " XXXX, '' pretending she still did not understand. 
Evidence of Intentional Conduct : Frustrated by this blatant gaslighting, I said in a fast, conversational tone : " Oh, you are playing games now. '' Interestingly, the agent who supposedly " could not understand anything '' understood this idiomatic phrase instantly and immediately denied it. 
I find this behavior absolutely unacceptable. This was not a simple misunderstanding ; it was a calculated attempt to mock a customers accent and deny essential language services. 
I demand investigation into this call recording. I request that this incident be permanently documented in her employment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended XXXX XXXX XXXX XXXXXXXX from XX/XX/XXXXXXXX  and graduated in XX/XX/XXXX. To pay for my education, I borrowed both Federal and Private Loans. In Federal Loans, I borrowed a total amount of {$45000.00}. At that time, my loans were serviced by Sallie Mae. Sallie Mae was unwilling to provide a payment plan that I could afford at that time. They steered me towards forbearance and deferment of which they would charge me fees to do. In the meantime, my loans continued to capitalized interest and accrue late fees. In XXXX, I consolidated my loans and started repayment. The loans balance increased from {$48000.00} to {$58000.00} due to capitalized interest. Navient placed me under an income-based repayment program. Due to unemployment, I changed the type of income-based payment plan to lower my payment. Navient failed to tell me that changing the income-based plan would restart my loan term. Navient like Sallie Mae, steered me towards forbearance and deferment. Their customer service was very poor. I continued to pay my loans until XXXX due moratorium placed on student loans. My loans were transferred to XXXXXXXX XXXX XXXXXXXX due to my employment with a non-profit hospital and making eligible for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: AL

Complaint narrative:
I was contacted by a debt collector regarding a rental balance connected to an apartment lease where I was listed as a co-tenant but did not reside there. During the call, the representative was rude, dismissive, and used unprofessional language. He stated that he didnt care what I had going on, suggested that I take out a loan or use a tax refund to pay the debt, and implied that I did not care about resolving the situation. 

I explained that I am currently unemployed and requested written communication and verification regarding the debt instead of discussing it over the phone. The representative continued to speak in a hostile manner. I found this interaction inappropriate, intimidating, and unprofessional. 

Additionally, there appears to have been an attempt to process payment from my sisters card without clear authorization, which is concerning. I am requesting respectful written communication going forward and for this conduct to be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MD

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
I lost my daughter in XXXX. So we moved to a new home, and then my wife dropped the hit. I still have XXXX children. XXXX are at home XXXX is XXXX  and I have been at home as a single parent. I have a company. The\nLast year I went Through 2 fraud issues where the owner of the trucks that I were leasing were not paying the bill. So I lost 4 trucks, I recovered back 5, and the same thing happened again, so I was not able to pay myself, and I had to be at home with my son, so I fell behind on my payments. I have now began to recover. I\nChecked out to the mortgage company about 6 months ago.Let the knew I was having an issues and they are asking for me to pay the full amount within three months of clothes on my home

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CO

Complaint narrative:
Honda Financial continues to not report Payment History and Balances to the Credit Bureaus.

When contacting Honda Financial they refuse to resolve the reporting issue on their end and instruct their customers such as myself to file disputes with the credit bureaus. This is unacceptable as Honda Financial has a responsibility to report accurate information to the credit bureaus.

I did file disputes with the credit bureaus and Honda Financial finally updated information but immediately quit reporting yet again. 

All three of my major credit bureau reports have not been updated since XX/XX/XXXX despite making on time payments in XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. Honda needs to report each and every month and not force its customers to open disputes just to have accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.

2. The name of the original creditor.

3. A copy of the agreement, contract, or other instrument that created the debt.

4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
unsure of date creditor states I owe {$230.00} company has threatened to sue and place debt in collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
Request for Review of Mortgage XXXX XXXX XXXX XXXX I am requesting regulatory review of the mortgage servicing practices related to my VA-backed home loan serviced by Citizens Bank. 

XX/XX/year> My home was completely destroyed by fire. 

The mortgage balance at the time of loss was approximately {$620000.00}. 

The lender received approximately {$570000.00} in insurance proceeds following the total loss. 

The insurance funds were placed into an escrow account rather than applied to reduce the principal balance. 

Interest continued to accrue on the full outstanding balance. 

Foreclosure activity proceeded despite the total loss. 

The matter is currently subject to litigation, and a XXXX XXXX XXXX has been issued preventing sale of the property. 

My concern is whether the handling of insurance proceeds, continued interest accrual on the full balance, and foreclosure actions comply with : Federal mortgage servicing regulations VA XXXX XXXX servicing guidelines XXXX loss mitigation requirements I am not requesting that your agency intervene in active litigation. I am requesting review of whether the servicing practices described above comply with XXXX  and VA standards. 

I can provide supporting documentation upon request, including : Fire loss documentation Insurance proceeds documentation Mortgage balance statements Evidence of escrow placement of funds Court TRO documentation Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
RE : Complaint against Barclays Bank Unauthorized Billing for Unused Credit Card To Whom It May Concern : I am filing this complaint to dispute an illegal charge of {$99.00} imposed by Barclays Bank for a credit card account I never used or activated. 
In XX/XX/XXXX, I applied for a XXXX XXXX. When the card arrived, I realized the issuer was Barclays. Based on a recent negative experience with their customer service in XX/XX/XXXX, I immediately contacted Barclays and requested they close the account. The card was never activated and no purchases were made. 
Despite this, Barclays has reported that I have an outstanding balance of {$99.00} and has sent me a collection letter for this amount. I believe this is an improper attempt to charge an annual fee for a service I explicitly rejected and canceled prior to activation. 
What I am seeking : I request that the CFPB require Barclays to remove this {$99.00} charge immediately, cease all collection activities, and formally confirm the account is closed as originally requested. 
I have attached any relevant correspondence I have received from Barclays regarding this matter. 
Sincerely,

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
On XXXX XXXX  XXXX XXXX XXXX XXXX I made a purchase for a medical procedure in the amount of XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents. 
I recently canceled that procedure, and the refund was sent back to the credit card in the amount of XXXX XXXX XXXX XXXX. 
I called today XXXX XXXX.Requesting that the full amount be sent to me in a check. They informed me that they applied some of the money.Because I made a purchase in XXXX. The problem I'm having is that bill is not due until XX/XX/XXXX. They should not have deducted something from money that was sent back to me for a bill.That 's not even due yet. 
They are refusing to give it to me in the full amount. Despite me telling them I'll be making the payment for the XXXX transaction.When it's due on XXXX XXXX XXXX. 
I need that money back to secure another medical procedure. They adamantly refused to refund it in full. 
I told them I would follow through with a complaint and they could care less. This is not right and I believe this situation warrants intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I was involved in a XXXX XXXX with my roommate which led to me going to XXXX and having a XXXX XXXX XXXX with her. On XX/XX/XXXX I made my property manager aware of the situation verbally and in email and also explained that I would be vacating the premises. On XX/XX/XXXX I will send an email to confirm that I had left the unit and would not be back and that was the last communication between myself and the property manager. On XX/XX/XXXX of XXXX I was made aware that I have a collections account on my credit from the leasing property management. The issue is, I was never made aware of any charges prior to it being reported on my credit. No emails or phone calls from the bill collectors or the creditors who would be my property manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Banking Error and Misapplication of Funds ( UCC 4A-207 ) - Formal Demand for Refund On XX/XX/year>, I initiated an international wire transfer of {$11000.00} ( Ref : XXXX ) from XXXX XXXX XXXX Bank intended for beneficiary XXXX XXXX XXXX XXXX XXXX  XXXX with Wells Fargo Bank XXXX XXXX the intermediary/beneficiary bank ( Swift : XXXX ). 

Despite clear payment instructions identifying " XXXX XXXX '' as the beneficiary, Wells Fargo erroneously credited the funds to an unintended account holder whose name did not match the instructions. On XX/XX/year>, I immediately filed an inquiry regarding this missing payment. Wells Fargo acknowledged receipt of this inquiry ( Ref : XXXX ) but refused to rectify the error, claiming they " effected this payment as instructed. '' However, XXXX XXXX  representatives confirmed that Wells Fargo admitted the funds were placed in an account where the holder was NOT XXXX XXXX. This incident was reported to the XXXX Police Department ( Report # XXXX ), and an officer officially classified this as a " Banking Error, '' stating that the bank responsible for the error must reverse it. 

Since I have already completed the rent payment using alternative funds to fulfill my lease obligations, the funds are no longer due to the beneficiary. Wells Fargo has violated UCC 4A-207 by misapplying funds to a misdescribed beneficiary and failing to follow internal controls.

I am filing this formal complaint with the CFPB as a final attempt to resolve this matter through regulatory oversight. I demand that Wells Fargo issue a FULL REFUND of the {$11000.00} ( plus associated wire fees ) back to the originating account at XXXX XXXX XXXX XXXX. Should Wells Fargo fail to provide a satisfactory resolution, I am prepared to pursue all available legal remedies, including civil litigation.

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