vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
In XXXX I opened an account with a XXXX XXXX XXXX with a credit limit of {$1000.00} In XXXX I received a phone call at my home from a said collection agency. They claimed that I owed {$8000.00} for the XXXX XXXX XXXX with a {$1000.00} credit limit. Between the years of XXXX and early XXXX I had not received another phone call or any correspondence. After my husband passed away in XXXX of XXXX I received a call from Fein , Such , Kahn & Shepard , P.C . They represent the collection agency XXXX XXXX XXXX XXXX They were attempting to collect a debt in the Amount of {$8000.00} I had explained to them that I had never had a credit card with a limit of {$8000.00} and that the credit limit on my XXXX XXXX credit card was only {$1000.00} and that there must be some mistake. I also informed them that My husband recently passed away and the only income I had was his social security money. Late in XXXX I received a visit from the county Sheriffs Dept on behalf of Fein, Such, Kahn & Shepard and XXXXXXXX XXXX their client. They asked if I had any cash or valuables to turn over to them. I did not. In XXXX of XXXX There was a judgement placed against me in the amount of {$8000.00}. At that point the original debt for {$1000.00} was XXXX XXXX years old. I had not been notified by mail or received a phone call. In XXXX XXXX years after the judgement was in effect a county Sheriff came into my work place with a court order to have my employer garnish my wages, which they did. I pleaded with my employer to let me investigate this because I knew it was illegal to add XXXX % interest and fees to my original debt. XXXX came and the world shut down. I did not here from Fein, Such, Kahn & Shepard until I received a letter in the mail Dated XX/XX/XXXX. On XX/XX/XXXX I reached out to them to try and rectify this on going issue. I offered a settlement amount of {$2500.00}. They provided my wrong birth date and have yet provided a letter of validation that this is in fact my debt. I suspect that this is fraud and illegal. They are now attempting to collect {$10000.00} on an original credit card loan with a {$1000.00} credit limit over XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Fidem Baltimore Holdings LLC
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I do not understand what is happening with this credit card account. I believe there are fraudulent charges on my Ignite XXXX account, but I have been unable to get help from the company because nobody answers the phone or provides assistance. I have tried multiple times to contact customer service to dispute the charges and understand my account, but I can not reach a live representative. The situation became so confusing and stressful that I had to ask my granddaughter to help me. Despite my attempts to resolve this matter, the account is reportedly delinquent and continuing to accrue fees and negative reporting. I do not believe this is fair, especially given my age, the lack of customer support, and the fact that I have been trying to report fraudulent activity and obtain assistance. I am requesting that : 1. The fraudulent charges be investigated immediately. 2. The account be reviewed for unauthorized transactions. 3. Late fees and negative credit reporting related to this issue be removed while the investigation is pending. 4. The company provide a direct way for me or my authorized family member to communicate with someone regarding the account. This situation has caused me significant distress and confusion, and I feel I have been ignored despite repeated efforts to get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had fraudulent charges from XXXX XX/XX/XXXX that I turned in on Monday XX/XX/XXXX when they cleared and when the department was open. Upon finding those charges, I found older charges from 2023. They credited the older charges but then charged me again for the new fraudulent ones thinking that they had credited them and wanted the credits removed because they said I could have prevented them if I would have found the older charges. I found them all at the same time upon researching. They will not credit the fraudulent charges that I found and immediately turned in but they credited the XXXX oldest ones from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I reported a debit card for a student account as lost on XX/XX/year>. I have contacted the bank XXXX ( XXXX ) different times to have the card replaced and still do not have the card. The card has to be in the student 's name since he is currently attending school out-of-state at XXXX XXXX XXXX The first time the bank stated they issued a replacement card that I never received. The second time they issued a replacement card, however, the card arrived in my name. The third time I volunteered to pay an expedition fee of {$30.00} because the student needed access to his funds. However, that card never arrived and I was not charged the expedition fee. The fourth time the bank volunteered to pick up the expedition fee and to mail the replacement card to my XXXX XXXX XXXX XXXX XXXX. I was told I would receive the card on Friday, XX/XX/year>. I did receive a card in the student 's name, however, when we tried to activate the card, we were transferred to customer service ( now the fifth time ). I was told by the customer service representative that the card I had in my hands had been reported lost or stolen and ANOTHER card was sent. The new card won't be received until XX/XX/year>. I have been trying since XXXX to simply get a replacement debit card for the student and, now it is almost a month, and I am STILL TRYING to obtain a replacement card. Fifth Third Bank has to be the most inept bank I have ever had to deal with. If they can't simply replace a debit card, I hate to think how they handle more serious cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
I received a personal loan from XXXX XXXX in XXXX XXXX XXXX XXXX in XXXX. For the amount of {$3000.00}, Then soon after I lost my job. I tried to talk to them at the time but they was not trying to hear what I had to say. After years has past I started to work in XX/XX/XXXX. As of XX/XX/XXXX They have start a wage garnishment against me. Making it very hard for to provide for my family. About to lose our home and food. I feel like they shouldn't be allowed after so long to collect specialty since they didn't even serve me court paper for any court dates so I can show my side to the judge,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FISERV FINXACT CORE

Complaint narrative:
Product Selection : Merchant Services / Payment Processing / Withholding Funds Company Name : Fiserv , Inc. / First Data I am filing an emergency complaint against Fiserv , Inc. ( operating as First Data Merchant Services ) for the erroneous termination of our XXXX+-year-old business merchant account ( MID : XXXX ) and the unlawful detention of our operating capital. Fiserv abruptly terminated our account without prior notice, first claiming that our banking information was invalid, then claiming we violate their policies against selling " dietary supplements. '' This is a factual error. Our banking information had not changed. Our company sells bulk retail superfoods ( whole foods, functional grain/seed powders ) and operates under XXXX XXXX XXXX ( XXXX XXXX XXXX ). We have processed transactions through Fiserv for four+ consecutive years with a flawless 0.00 % chargeback ratio, proving XXXX financial risk or consumer fraud exposure. Furthermore, Fiserv has trapped our business in an abusive administrative loop. They requested an update to our banking and legal signing authority due to a recent CEO transition. When we submitted verified corporate documentation via XXXX, their automated systems rejected it, stating the legal information could not be updated because the account was closedyet they refuse to open the account until the information is updated. I have called numerous times and spoken with numerous departments over the past few weeks to get this resolved without success. Currently, Fiserv is withholding our settled business funds. Representatives now claim our banking information is " invalid '' ( despite XXXX years of successful deposits ) and state they will only issue a physical corporate check, which they claim will take up to XXXX weeks to process. Withholding an established business 's operating capital for two months without a single active consumer dispute or chargeback constitutes predatory behavior and a severe breach of fair financial practice. Desired Resolution : We request that the CFPB compel Fiserv to have an executive resolution specialist manually review our account history, recognize our true food-retail classification, and immediately bypass their internal processing delays to release 100 % of our withheld funds via electronic ACH transfer to our bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Five Lakes Law Group PLLC
State: GA

Complaint narrative:
CFPB FOLLOWUP COMPLAINT AGGRESSIVE ESCALATION I am submitting this escalation because the company has failed to respond to my initial complaint ( CFPB Complaint # XXXX ) and continues to withhold funds and documentation. The lack of response, combined with the unresolved financial harm, raises serious concerns about compliance with federal and state debtrelief regulations. XXXX. Failure to Respond to CFPB The company has not responded within the expected timeframe. This is not a minor delay it is a pattern of nonresponsiveness consistent with companies attempting to avoid accountability. Their silence prevents resolution and prolongs the financial harm caused by their program. XXXX. XXXX of Fees After Revoked Settlements All settlements were revoked on XX/XX/XXXX, yet the company retained multiple settlement fees. Under the XXXX XXXX XXXX ( XXXX ), debtrelief companies can not collect fees unless a settlement is successfully completed. No settlement was completed. Fees were still taken and not returned. This is a direct violation of the TSRs performancebased fee requirement. XXXX. Missing Funds and XXXX Balance Between XX/XX/XXXX and XX/XX/XXXX, I deposited {$2300.00} into the program account. Only {$520.00} was paid to creditors. The account was drained to {$0.00} with no explanation for the missing funds. The company has not provided : a corrected ledger a breakdown of withdrawals any justification for retaining funds after settlement revocation XXXX. No Documentation Provided The company has not provided any of the following : settlement acceptance letters revocation notices fee authorizations proof of creditor communication explanation for the third settlement fee refund timeline This lack of documentation prevents me from verifying the legitimacy of any fees or actions taken. XXXX. Program Caused Me Measurable Financial Harm As a direct result of the companys handling of my accounts : multiple creditors closed accounts for nonpayment my credit was damaged my financial position is worse than before enrollment The company has not addressed or acknowledged this harm. 6. Pattern of Conduct Suggesting NonCompliance The combination of : charging fees without completed settlements withholding refunds failing to provide documentation failing to respond to the CFPB draining the program account to {$0.00} allowing accounts to close for nonpayment indicates a pattern of conduct that warrants regulatory scrutiny. -- - Escalation Request I am requesting that the CFPB escalate this matter for further review due to : nonresponse by the company unresolved financial harm potential violations of the XXXX XXXX XXXX failure to provide required documentation retention of fees after revoked settlements unexplained depletion of consumer funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: SC

Complaint narrative:
I am filing this complaint because Crypto.com has failed to release my deceased fathers estate funds despite receiving all legally required documents. The case has been open for several months with no meaningful updates, no explanation for the delay, and no timeline for resolution. I am the legally appointed executor of the estate. Crypto.com has acknowledged receipt of : Certified Death Certificate Letters Testamentary Court Order Crypto.coms U.S. General Release Form My identification and mailing information Despite this, the company has not released the funds or provided any substantive update. Instead, I have received repeated generic responses such as We are still working on your request and We will inform you once we have an update. Timeline of Issues Crypto.com requested the XXXX General Release Form after receiving all the other documentation on XX/XX/year>, which I completed and returned immediately. After confirming receipt, they stated : We will now further escalate your request. For weeks afterward, I received repeated messages such as : We are still working on your request. We have made another escalation to our team. There is no update yet. We can not provide a timeline. When I asked for a manager, I was told : There is no set timeline for this. and We can not provide any specific information. Even after months, the only update provided was : The payment is being processed, with no confirmation of amount, no timeline, and no verification of progress. When I requested a Case Escalation to a Compliance Supervisor, the request was ignored multiple times, and I was told only : As soon as we have an update, we will let you know. This pattern has continued for over XXXX months, with no evidence that the case is being actively reviewed. Why This Requires CFPB Intervention Crypto.com has : Failed to provide updates Failed to confirm whether the case is in Compliance Review Failed to provide a timeline Failed to answer direct questions Failed to escalate the case despite multiple requests Failed to release estate funds after receiving all required documents Their responses are repetitive, vague, and noninformative, such as : Rest assured that we are actively addressing your concerns. and We ask for your patience. This has delayed the legal administration of my fathers estate and is now holding up probate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: GFS II, LLC
State: IL

Complaint narrative:
I am submitting this complaint because this company is furnishing inaccurate, incomplete, and/or unverifiable information to the credit reporting agencies. I have reviewed my consumer reports and the reporting contains errors or inconsistencies related to the balance, payment history, account status, date of first delinquency, and/or removal date. I am requesting that the company conduct a reasonable investigation, provide documentation supporting the reporting, and correct or delete any information that can not be verified as accurate and complete. Please provide the documents used to verify this account, including the original contract or agreement, full payment history, itemized balance calculation, date of first delinquency, and proof of authority to furnish or collect this debt. If the company can not verify the information with complete documentation, I request deletion of the account from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Marcus by Goldman Sachs restricted my individual savings account and my wifes individual savings account twice within one month when we attempted to transfer our own funds to another bank. They provided no valid explanation. Their actions damaged our financial reputation and caused unnecessary hardship. Marcus also refused to provide verification codes, claiming our phone number was wrong, even after I explained that we are deaf and use relay service with that same number. They knew our situation but ignored it, making it impossible to resolve the issue. Because of Marcuss actions, another bank closed our accounts. I am requesting that the CFPB investigate Marcuss repeated account restrictions, their failure to provide required notifications, and their refusal to accommodate our XX/XX/XXXXneeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC
State: NY

Complaint narrative:
I mailed a payment on XXXX in the amount of {$11000.00}, attached to GreenSkys payoff letter. To date, the check still has not been applied to my account, and no one I have spoken with has been able to provide any meaningful information regarding its whereabouts. I have now called XXXX separate times regarding this issue ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) with the last XXXX calls involving Supervisor XXXX. During my most recent call, he finally opened up a case however his lack of accountability or concern leaves me wondering if he really did anything at this point. This matter requires immediate attention. Their failure to properly process and/or locate this payment is now causing additional interest charges and financial harm. I expect them to investigate and resolve this issue without further delay, including appropriate correction of any interest incurred as a result of their mishandling of this payment. Thank you for your assistance in getting this resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Green Square Company LLC.
State: AZ

Complaint narrative:
I spoke to a PRG Rep XXXX weeks ago cause they called my son saying they are going to sue me and look at my car to repo if I didn't make a payment arrangement with my debit card. Today they called saying they will be out to serve me and assess my cars value along with taking me to court and to get legal support. Their number is XXXX. When I told them I couldn't find them online they said I must have typed in the wrong website.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
I do not have any information from Harris And Harris regarding the debt owed. I don't have any mail or email stating how much I owe. I called to pay they kept giving me the wrong file number. Nothing was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CO

Complaint narrative:
Was in a bad roommate relationship, moved out ( XX/XX/XXXX ). Roommate stayed and racked up fees. My name was somehow " renewed '' on the lease despite me not resigning and putting in a XXXX days notice. I messaged the property XXXX and maybe got that resolved -- never heard anything. Roommate racked up charges. My credit was hit in XX/XX/XXXX from this collections through XXXX and XXXX. Didnt recevieve my first email ( from my records ) until XX/XX/XXXX ( From XXXX ) just with a statement balance and again on XX/XX/XXXX. I disupted it twice, first time submitted and online complaint ( which I never got an email from ) and then called to submit another complaint on XX/XX/XXXX. Called Three times, first XXXX XXXX of XX/XX/XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. The last XXXX times I was told that my account " closed '' and they did not have record of my case and was told " not valid '' or " not an account ''. I was told on the last phone by someone named ( XXXX? ) call that it should have been taken off of my credit report around end of XX/XX/XXXX. Yet it is still showing and making my life so hard. Also I never got the same person ever so it felt like I was redoing all kinds of work all the time.

Company response to consumer: Closed with explanation