vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I zelled a vender {$160.00} for a service and then when it came time to provide the goods, they shut down their account and stopped answering. I continued to text them and ask for updates and I called but the were not answering and then today they completely shut down their account. I tried calling them using the number that they provided for the zelle but they arent answering that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Want tender of performance need complete accounting of all contracts in this matters I can settle and discharge this matter

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 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
The company is unable to verify if an account was opened in my name XX/XX/year> because it sometimes takes 5 business days to process.

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 non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute regarding an incorrect balance of {$1100.00} on my XXXX XXXX XXXXXXXX account. That balance was corrected to {$0.00}. 

While that investigation is still reflected as open, XXXX XXXX XXXXXXXX reported a XXXX late payment for XX/XX/XXXX. 

The account was closed on XX/XX/XXXX, no payment was due, and no minimum payment existed. Reporting a delinquency under these circumstances is inaccurate and violates the Fair Credit Reporting Act. 

I am requesting immediate deletion of the XX/XX/XXXX late payment and confirmation that all consumer reporting agencies have been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Disputed unknown charges to collection agency also recently sent out debt collection letter in which i informed that under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide proper validation of this debt. 
Be advised that I am not requesting a " verification '' I am requesting a validation that is competent evidence that I have some contractual obligation to pay you. 
And to provide at least the following information within XXXX days from the date your receipt of this request for validation : Name and address of alleged creditor : Name on file of alleged debtor : Alleged account # : Address on file for alleged debtor : The amount of the alleged debt, including a breakdown of fees or interest added. 
Date that this alleged debt became payable : Date of original charge off or delinquency : Copy of the contract and any amendments as this will show what the terms of the contract are so I can see if you are following this in the amount you are trying to collect from me : Was this debt assigned to debt collector or purchased? 
Purchased agreement if the debt was purchased so that I can see if you really own this debt : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay Informed until they provide the requested information, I request that all collection activities and reporting to credit bureaus cease, as required by law. If your office fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
When I opened CIT investment account on XX/XX/year>, I enrolled an offer of receiving {$200.00} ( to be posted on my CIT saving account ) if deposit more than {$50000.00} to my CIT investment account ( managed by XXXX XXXX XXXX ). I have fulfilled all the requirements but still haven't seen {$200.00} posted on my account. I have called First Citizens Bank XXXX  times, and they promised to post it, but it's been over XXXX month since my first call, and nothing happened. 

Attached is the PDF print of the original offer, and the screenshot of my account balance as a proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: 21ST MORTGAGE CORP.
State: TN

Complaint narrative:
CFPB Consumer Complaint Narrative I am submitting this complaint regarding the servicing and handling of a manufactured-homerelated mortgage transaction by 21st Mortgage Corporation . 

I owned the underlying land outright and entered into a transaction involving the proposed purchase and installation of a manufactured home on a specific XXXX  property. The lender approved and relied upon a retailer, that appeared in its approved retailer system, and proceeded with origination knowing the transaction involved a XXXX  property. They should have known whether the retailer, that is XXXX of their approved lenders, was properly licensed. At closing ( XX/XX/XXXX ), a lien was placed on my property for the full amount of the proposed transaction, and that lien remains in place despite the manufactured home never being delivered. 

After the transaction was initiated, I learned through the XXXX XXXX XXXX XXXXXXXX and Insurance that the retailer was not properly licensed in Tennessee at the time of contract ( XX/XX/XXXX ) and closing. The retailer did not obtain licensure until several months later ( XX/XX/XXXX ), after the transaction had already caused harm. The contract specified it would be set up to state codes, but due to lack of XXXX  license, did not know state codes. The caused financial harm and no delivery. 

The lender provided a written interest-only payment document stating that this policy was designed to protect the borrower until the manufactured home was delivered and to prioritize payment related to the home. The manufactured home was never delivered. 

Despite this, the lender treated the loan as active and booked, added escrow and late fees, applied payments inconsistently with the interest-only document, and took servicing actions as though a completed home purchase had occurred. These actions took place during a disputed transaction where delivery conditions were never met. 

After written regulatory notice of the licensing issue and dispute, the lender mischaracterized the retailers licensure by referencing current licensure rather than addressing the lack of licensure at the time of contract and closing. The lender also framed the matter as a dispute between the consumer and the retailer while continuing to enforce and service the loan. 

Credit reporting and servicing activity continued during this disputed and unresolved transaction. 

I am requesting that the CFPB review whether the lenders conduct constitutes unfair, deceptive, or abusive acts or practices, including reliance on an unlicensed retailer, failure to honor written borrower protections, improper servicing actions, and misleading representations after regulatory notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
XXXX XXXX XXXX late payments for periods in which this account was subject to the protections of an active XXXX case. 

While the automatic stay was in effect, I was legally barred from making payments or being reported as delinquent outside of XXXX proceedings. 

Despite this, late payment information was furnished to consumer reporting agencies. 

Why is this a problem XXXX payment reporting during an active XXXX stay : Violates 11 U.S.C. 362 ( a ) Results in inaccurate furnishing under 15 U.S.C. 1681s-2 ( a ) I previously notified the company of the XXXX  and requested a correction. The inaccurate reporting remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
I am included in a XXXX. I should've never been charged any bankruptcy, Attorney fees nor Foreclosure fees. My loan was acquired end of XXXX at that time I was told not to make any payments until fully transferred, per a SPS SERVICING REP I was told end of XXXX, I was {$1800.00} past due. According to my bank statements there was payments made here and there throughout XXXX but yes some were missed. XXXX - XXXX the past due abruptly escalated to {$11000.00} for foreclosure takeover. The Rep also stated the Attorney fees and Foreclosure fees were then added and according to the rep, it was less than {$2000.00}. I'm a bit overwhelmed on bills as i make {$20.00} less in income from being laid off in XXXX, two months after obtaining the refi loan. As of today, SPS Servings sent me a bill stating I am {$14000.00} past due and this is bogus. I spoke with a Rep asking for a breakdown of fees and it's still unexplainable owe I owe so much. How can I get this caught up, if they're still adding fees to past due. I was told they will evaluate this for modification, if {$740.00} paid for XX/XX/XXXX, XXXX and XXXX XXXX those three payments and hereafter are being paid via XXXX XXXX because SPS takes so long to withdrawal from my account and i can not pay via Debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NEXA Mortgage, LLC
State: TN

Complaint narrative:
We were trying to close on the sale of our home and purchase of a new home through our lender NEXA Mortgage but our closing date through NEXA kept getting pushed because XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX ) kept requesting the same documents that were already provided to them on several occasions. We found out that someone at either XXXX or XXXX failed to push a button which caused major delays in our closing and continued issues. Because these companies kept delaying our closing we ended up homeless and having to switch lenders. The new lender was able to get us approved for a loan within a week. Please note that we had been working with NEXA for several months on a home loan. The NEXA broker we were working with kept telling us that we had submitted all documentation needed, and there would be no issues getting our loan approved since we had great credit. It wasn't until XXXX days prior to our original closing date XXXX that we found out about the error that XXXX had made failing to push a button on our loan. At that point we were told by NEXA that would be able to close on our loan XXXX. XXXX came and went and again we were told our closing was being moved to XXXX. The seller for our new home was ready to terminate our contract if our closing date was going to be delayed again due to NEXA, XXXX, XXXX. We had already sold our home because we had been told our loan would be through underwriting, approved, and we would close within XXXX days of the sale of our home. Someone from XXXX even called my bank requesting account information. Most of our documentation are emails. I tried to upload them to this complaint but aren't able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was a new account holder with Chime and entrusted them with all of my money ; my Direct Deposit from my new job, a cash deposit of {$1000.00} ( via XXXX, which they instruct you to do ), and that my account was secured. Through a phone call, not by my clicking on an unknown link, my account was hacked and everything was stolen. I received an email saying that I was due a refund from XXXX ; the email had XXXX in the senders email and it had the XXXX logo on the email. These XXXX men on this call, keeping me on the phone while they hacked into Chime, posed as XXXX employees and said Chime had hidden my entire balance for security reasons and that Chime would return it within XXXX hours. This horrific nightmare happened Friday, XX/XX/year>. Chime closed my account Wednesday, XX/XX/year>. This {$1900.00} was everything I had in this world- I recently deposited {$1000.00} from a settlement check from The CFPB, and I called Chime crying in a panic. I called them XXXX Friday, XXXX  times Saturday, twice Sunday, and Monday and Tuesday after work. My XXXX disputes for {$1900.00} were denied, without ever working with me, calling me or asking questions. I submitted over XXXX screenshots of the fraudulent transactions that were from XXXX, and these XXXX scammers had XXXX accents. I knew something was terribly wrong as they became increasingly aggressive and rude, and they were impatient with my questions and concerns. I was screaming at them, as I held my phone watching my balance of {$1900.00} disappear!! Chime abandoned me, and they refused to accept how they were responsible for securing my account. I filed a police report in XXXX, XXXX, with the XXXX Police Department, and I notified Chime of this. They did nothing to help me with this unimaginable crisis! I have also filed a complaint with The FTC, and I need help making them accountable. I also filed a detailed complaint with The XXXX and The FTC. My large deposit was from a recent settlement from The CFPB from XXXX XXXX - I was so grateful for this and how it was helping me get back on my feet, after losing all of my belongings because of a sibling who lied and allowed my storage units to be auctioned off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/year> I tried to use my USAA debit card at XXXX and this was declining. I just got paid as this was my only checking account. I called and they told me they are excercising their right to close my account and I didnt even get a phone call. After I called them and figured this out afer trying to buy groceries and it being declined, they said they are sending me a letter. The letter was given after I called and does not explain a reason. I asked to speak with manager and I challeged this because again I just got paid and I'm a single parent and take public transport to work and get paid every 2 weeks. So im without food and transport. The manager explained he can challege this and it would take 3 business days. Well this being a friday I had to wait until at least XXXX  XXXX. I called on Wed and after getting the run around several times I finally got to the right person and they said my challege was denied and my account would remain closed. I would have to wait 60 days to have a check of my funds mailed to me. I asked for a reason and they told me the reason was in the letter and it was not. I explained that and they said they would have a manager call me and they never did. I never want to use their service again and frankly they are doing this to many customers which is WRONG. But i do want the ability to transfer my funds out to another account as there is over XXXX sitting in that account and I have nothing pending!!!!!

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 2026-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I am submitting this complaint to dispute inaccurate and potentially unverified credit reporting by Eastern Account System regarding an alleged XXXX XXXX XXXX account. 
According to my Experian credit report dated XX/XX/year>, Eastern Account System is reporting a collection account with a balance of {$360.00}. The account reflects inconsistent balances, unclear validation of the debt, and no evidence that proper verification has been provided as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Specifically : The original balance is reported as {$260.00}, yet the current balance is {$360.00} with no explanation or itemization of added charges. 
There is no documentation showing I was properly notified of this debt or that Eastern Account System has legal authority to collect or report it. 
The account is being reported as a collection without evidence of accurate validation after dispute, which violates FCRA 1681s-2 ( b ). 
I am requesting that the CFPB require Eastern Account System to either : Provide full, documented verification of this debt, including the original contract and itemized charges, or Remove this account entirely from my credit report if such verification can not be produced. 
I have attached copies of my credit report for reference. I respectfully request your assistance in ensuring compliance with federal credit reporting laws. 
Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: Klarna AB
State: WA

Complaint narrative:
I returned my original Klarna order and was issued a refund for a jacket that was purchased separately Klarna received the refunded funds but has not issued the resulting overpayment to me. 

I contacted Klarnas overpayment resolution team, and the original resolution timeline has passed. On XX/XX/XXXX, I was advised to wait two weeks for resolution. Despite multiple follow-ups and escalation requests, no funds have been released and no revised timeline has been provided.

I was later informed by a specialist that there is an internal delay preventing further action. This issue has now been ongoing for approximately two months. I am requesting that this matter be formally reviewed and the funds released immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: CO

Complaint narrative:
I am a documented victim of identity theft. 

LVNV Funding is reporting a collection to XXXX related to a XXXX XXXX account that was confirmed as fraudulent and removed by XXXX XXXX. This account was part of identity theft and is documented in both an FTC Identity Theft Report and a police report. 

I notified LVNV Funding that I am an identity theft victim before they reported this account, yet they still chose to report it to XXXX. 

This account does not appear on XXXX or XXXX, only XXXX, which shows inconsistent and improper reporting. 

LVNV Funding has no legal basis to report or collect on a debt tied to identity theft. I am requesting immediate deletion of this account and confirmation that LVNV Funding has ceased all reporting and collection activity related to this fraudulent XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.

Complaint narrative:
Hi I was s visitor on tourist visa for few months. I got sick and in an emergency went to XXXX XXXX. Where they charged me bill. We had conversation on phone and they gave me an installment plan XXXX $ a month which i was paying on time. After few months they sent remaining amount to you. I contacted but they said they have no record anymore. Currently i m residing in XXXX my home country unable to contact on phone to you. Have facing communication barriers as a foreigner. I have already sent XXXX emails to your admin department but no response from them. I dont know how to resolve this and how to communicate with you. Only option i have is email address. 
I have record of all paid installments to XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
This item was opened fraudulently and XXXX XXXX removed it. Now this pops up on my credit which is illegal and needs to be removed from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
In XXXX  fall our family changed phone companies. We stitched from XXXX to XXXX XXXX  XXXX XXXX I went on the website to make my final payment to them in XXXXXXXX XXXX I was locked out of the account. I called XXXXXXXX XXXX I was told by a representative that since I no longer have an account with the company ; I therefore have no longer have no access to my account. No bill was sent to my address. My monthly bill with them would usually be {$350.00} per month. I called several times and the representative would tell me I now owe {$650.00} due late fees and other fees added. I disputed this amunt and agreed on a settlement of {$350.00} on XX/XX/XXXX of this year. The representative assured me that this was an agreement and no more atttempts will be made to contact me regarding anymore payment. However Radius Global Solutions LLC and XXXX XXXX XXXX collection agencies have been contacting claiming I owe them {$280.00}. This claim has also showed up on my credit report which is frustrating. Enclosed is the document showing my XXXX time payment of {$350.00} that was paid via direct payment through my XXXX  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 non-monetary relief