vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
I aquire a XXXX XXXX from XXXX XXXX XXXX on XX/XX/year>. I sent them a Registered Security by XXXX Mail. They sent a letter back stated they received my documents. They did not tender my account with the Registered security. They kept it. On the contract XXXX. It states that! This secures payment of all you owe on this contract. It also secured your other agreements in this contract. I revoke and terminated any security interest granted in connection with any contracts entered into between us prior to this revocation. The Revocation applies to all relevant rights, privileges and authorizations previously bestowed upon by me. My Promissory Note secured payment for this vehicle. My complaint pertains to the handling of the vehicle financing. Per the Security Exchange Act has raised concerns of potential violations with Security FRAUD and tax evasion. My Promissory Note and Certificate of Indebtedness was securitize by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received a Cusip number and engaged in trading activities. According to their XXXX form. XXXX XXXX XXXX is their Indenture Trustee and XXXX XXXX as Trustee. They sent a check with my name on it to XXXX XXXX XXXX for the vehicle. They are getting paid quarterly off my Promissory Note. They need to be investigated for fraud against consumers. I have filed bankruptcy and by law! They are to release my vehicle. I also will involve the IRS to do a securitize audit on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: All State Credit Bureau, Inc.
State: IL

Complaint narrative:
All State Credit Bureau Inc has placed a collections account on my credit report for the amount of {$400.00}. Prior to this debt being placed on my credit report, I had no knowledge of this debt. Please take into account that I never received a debt validation notice. All State Credit Bureau Inc did not follow U.S. Code 1692g, which requires debt collectors to send a debt validation notice within five days of initial contact, detailing the debt amount, creditor, and consumer 's right to dispute within 30 days ; if disputed, collectors must stop collection and provide validation, and can not report to credit bureaus until validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
* * * I no longer have a cell phone number, i have no access to a phone * * * On XX/XX/XXXX i deposited a check to my CitiBank checking account in the amount if {$56000.00} i received from XXXX XXXX XXXX after they repossessed and sold my car for more than i owed them. This check was for the surplus funds from that sale that i was legally owed. On XX/XX/XXXX my CitiBank account was blocked by their XXXX  department. I called numerous times and dealt with numerous people and was told that i needed to give CitiBank a verified phone number for XXXX XXXX XXXX so that citibank could verify my check. Over the next few weeks i spoke with them numerous times and gave them multiple phone numbers that XXXX provided me to give to CitiBank. On XX/XX/XXXX i received a letter that CitiBank closed my account and any funds would be mailed to me. XXXX XXXX, i went into the local CitiBank branch to ask where my money was, they connected me with the XXXX  department again and i was told i still have to provide a verified phone number and until i do they will not release my money. I have no car, no job, no phone and no bank account now. XXXX XXXX XXXX will not issue me a new check because they say the check was cashed.

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 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a final notice letter dated XXXX regarding the collection of a debt with the amount of XXXX owed to Midland Credit Management, threatening to take legal action against me if debt was not paid. I sent a letter to Midland requesting a copy of the original contract documents showing my signature on the alleged debt owe to them. Midland sent me a copy of a statement of a old account from another creditor that they purchase. I have never had an account or entered into contract of any sort with this company. The company has not Validated this debt that they are attempting to collect from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have never opened any account with XXXX XXXX XXXX on XX/XX/year> or XXXX XXXX at no time. I like these accounts to be removed because they are harming me from getting credit.

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 2026-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Every since I opened my account approximately XXXX  months ago my account has been restricted... and all that I am being told is that it could take up to 60 days .. which it has been oh most 60 days.... but I fixed the problem with my mailing address..... still my account is being restricted.... not one person knows why.... or can they hand me over to some one who can ... I'd like access to my money in my account and XXXX this account down... this bank is pathetic

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 2026-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
XX/XX/XXXX received two emails from XXXX in regards to my insurance premium not being paid and that the responsibility would now fall on me to pay amount shown in attached documents. Freedom Mortgage the company who has my loan has a escrow to my account had sent me a letter in the earlier parts of XXXX that due to switching to XXXX from a different insurance company that my escrow was in a shortage in the amount of {$1200.00} and would result in my house payment going drastically up to cover the shortage from {$570.00} to {$690.00} I was able to pay the shortage which still left me paying more than before at {$590.00}. There is a escrow account with my loan, there is funds in that account to cover the premium and not cause a cancellation of coverage or unnecessary increase of payment from both parties

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I tried opening an account last year and realized that there were a few accounts that came up under my name via the XXXX XXXX One stated suspected fraud and the other two said misuse of accounts and im in shock, I am trying to open an account so I am able to submit to the military for my direct deposit and I keep having a bad credit and consumer reporting. I am so confused and lost and dont know what to do I have cried to dispute it with XXXX XXXXXXXX no one will respond to me so I am need some assistance so I can continue my life without these hiccups

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 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I initiated a {$59000.00} wire transfer from my Wells Fargo account to purchase a property. The wire instructions were later discovered to be fraudulent and part of a Business Email Compromise ( XXXX ) scam. 

On XX/XX/year>, I discovered that the wire instructions had been altered by scammers after a trusted partys email account was compromised. I immediately contacted Wells Fargo to report the fraud and request recovery of the funds. 

Wells Fargo advised me to wait 10 days, and later 30 days, while recovery efforts were made. After the XXXX period, Wells Fargo informed me that the case would be closed because the funds could not be recovered.

Why I am filing this complaint, I am filing this complaint because : 1. I was not provided a clear written explanation of what recovery actions were taken. 
XXXX Confirm whether the receiving bank was contacted and when. 
XXXX. Confirm whether the recipient account was frozen or flagged. 
4. Provide any additional information that may support insurance, law enforcement, or civil recovery efforts. 

Additional information Amount : {$59000.00} Date wire sent : XX/XX/year> Date fraud discovered and reported : XX/XX/year> Scam type : Business Email Compromise ( Wire Fraud )

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 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX ( my normal billing due date ), XXXX 's XXXX 's billing company XXXX XXXX XXXX attempted to charge my payment method {$49.00}, which was {$10.00} more than my contracted monthly dues of {$38.00}. On XX/XX/XXXX, they attempted to charge {$59.00} - {$21.00} more than the contracted amount. These unauthorized charges were made on the billing due date itself, not after any missed payment. 
After discovering these improper charges, I went to XXXXXXXX XXXX XXXXXXXX in person to cancel my membership. Staff directed me to scan a QR code to complete the cancellation online. The website required a {$59.00} payment to complete the cancellation, which violates FTC regulations prohibiting payment as a condition of cancellation. I refused to pay and was unable to complete the cancellation. 
I sent written cancellation notice via email on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX sent a debt collection notice demanding {$59.00}, including {$38.00} " past due '' and a {$21.00} " service charge. '' I disputed the debt in writing on XX/XX/XXXX, requesting validation per FDCPA including original signed contract authorizing charges of {$49.00} and {$59.00}, and documentation supporting late fees assessed on the billing due date. XXXX XXXX refused validation, claiming they are " just a billing company '' and directing me to contact the gym. 
On XX/XX/XXXX, I sent a second demand for validation citing FDCPA requirements. XXXX XXXX again refused, repeating that they can not assist. 
XXXX XXXX is attempting to collect a debt based on : Unauthorized charges exceeding contracted amounts ( {$49.00}, {$59.00} vs. {$38.00} ) Illegal cancellation fees ( payment required to cancel online ) Fraudulent late fees assessed on the billing due date, not after missed payment XXXX XXXX initiated debt collection but refuses to validate the debt as required by FDCPA 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Been paying my own homeowners insurance and in the process Chase home mortgage is collecting for payment on homeowners through escrow but they're not paying the homeowners. This is been an ongoing issue with these people and they've been nothing but dishonest it's time for some transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MS

Complaint narrative:
I was XXXX XXXX military, I gave notice of my XXXX military orders and requested to end my lease. I was still charged the early termination fee. It was {$2900.00} they sent to collections and now its {$3100.00}. The leasing office called me back and admitted I was never supposed to be charged the termination fee, and adjusted the owed balance to {$490.00} for cleaning fees if they billed me correctly the first time I never would have let it go to collections. I would have paid the amount owed. Instead they illegally charged me under federal law. With that being said the only reason it was sent to collections was because I was not going to pay for something that was ILLEGALLY billed to me. I am requesting the collection from Hunter warfield to be deleted!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a Bank of America credit card customer. For several months, my XXXX score provided by Bank of America has continuously shown as Not Available, despite my account being open, active, and in good standing. 

There have been no changes to my credit card account, no delinquencies, no closures, and no missed payments that would explain the score becoming unavailable. I have previously contacted Bank of America through their secure messaging and customer service channels, but the issue has not been resolved. 

Bank of America advertises providing a free FICO score to cardholders, yet they have failed to restore or properly explain why my score has been unavailable for an extended period. This appears to be a failure to maintain or correctly display consumer credit information, potentially due to an internal data feed or reporting issue with XXXX. 

I am requesting that Bank of America : XXXX. Investigate and correct the cause of my XXXX score showing Not Available XXXX. Restore my XXXX score display if eligible XXXX. Provide a clear written explanation if I am no longer eligible, including the specific reason I am requesting a formal response and resolution.

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 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: SFMC L.P.
State: TX

Complaint narrative:
am a XXXX senior reporting first-degree felony mortgage fraud by Service First Mortgage. This loan was originated using the exact same predatory 'playbook ' that fueled the 2008 Housing Crisis : Income Padding and Two Sets of Books. This is a distinct complaint from my servicer file, as it focuses on the criminal manufacture of an unaffordable loan. 

I. XXXX Income Padding ( ATR Violation ) : Just as lenders did during the subprime meltdown to bypass safety rules, Service First Mortgage intentionally falsified my income as {$4300.00} on the loan application. My actual verified income is {$3400.00}. Despite having direct digital access to my bank statements, the lender 'padded " my income by {$860.00} to manufacture a fraudulent approval in direct violation of the Dodd-Frank Ability-to-Repay ( ATR ) Rule. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In a classic 'Bait and Switch ' tactic from the 2008 era, the lender used XXXX different sets of disclosures. The official Closing XXXX ( XXXX ) used for government reporting showed a fake tax of {$310.00}. Simultaneously, they forced me to sign a 'side " XXXX XXXX XXXX XXXX the real payment would increase by {$480.00}. This concealment created a 64 % housing-to-income ratio, making the loan a 'debt-trap ' designed to fail. 

XXXX. Coordinated XXXX XXXX : This fraud was designed to strip my {$140000.00} in cash equity. By hiding the true tax basis, the lender manufactured an immediate {$8000.00} escrow shortage. This forced me into a XXXX XXXX XXXX where I am now accruing 5 % interest against my equity. Forcing a senior to use state benefits to subsidize a lender 's fraudulent underwriting is Elder XXXX XXXX ( Texas XXXX XXXX XXXX ). 

IV. Illegal Steering ( RESPA Section XXXX ) : The lender and builder ( XXXX XXXX ) engaged in the same illegal referral collusion common in 2008. Evidence shows XXXX XXXX XXXX XXXX using his XXXX XXXX ' status to steer me into this fraudulent product while ignoring my actual financial capacity. ''

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A revolving credit card account was opened on XX/XX/XXXX and is being reported as derogatory / charged off with a reported balance of {$840.00} and a reported credit limit of {$500.00}. 

The account reflects a last payment date of XX/XX/XXXX and a last active date of XX/XX/XXXX, yet it is reported as charged off as bad debt, with no monthly payment, no terms, and a last reported date of XX/XX/XXXX. 

The reporting contains material inaccuracies and internal inconsistencies, including but not limited to : Reporting a revolving credit card with $ 0 monthly payment and no terms Reporting a past due amount equal to the full balance ( {$840.00} ) without disclosing the exact charge-off date Reporting a balance exceeding the original credit limit without lawful explanation or documentation Failing to disclose how interest, fees, or charges were calculated post-default Continuing derogatory reporting without providing legally required supporting documentation After reviewing my credit report, I disputed the accuracy, completeness, and legal reporting of this account. Despite this, the company continued to report the tradeline without providing original or verifiable evidence to substantiate the charge-off. 

The company failed to produce : The original signed cardmember agreement Complete monthly billing statements supporting the {$840.00} balance The exact date and accounting method of charge-off Payment allocation records Interest and fee calculation methodology Proof of authorization to report post charge-off Chain of custody and ownership of the account Audit trail of the investigation System records, timestamps, IP logs, or human verification evidence Identification and credentials of the individual who verified the account Any claimed verification appears to rely on automated or superficial processes, which do not satisfy the requirement for a reasonable reinvestigation. 

By continuing to report this account without competent and verifiable evidence, the company is publishing inaccurate and unverifiable information, causing ongoing consumer harm, including credit score suppression and misrepresentation of credit risk. 

I am requesting regulatory intervention to require the immediate deletion of this account, or alternatively full correction supported by original documentary evidence, and to ensure compliance with federal credit reporting law.

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 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I cash app my daughter {$100.00} on XX/XX/XXXXXXXX XXXX on my end it said sent. And she received the funds. Last year cash app deactivated her account because it was hacked and {$600.00} of her money disappeared .. a hacker stole it.. I wasn't aware of that. Cash app still has her picture and phone number attached to her name $ XXXX. Cash app deactivated her account but keeps her profile visible. They have refused to delete her profile. They refused to refund my money. 
Last year cash app refuses to refund my daughter her money refuses to refund me I was told tough luck. Your money is gone. But who received my funds.u daughter can't access her cash app account. Since it's deactivated. They act like they cant trace the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
XXXX weeks ago XXXX was spent in another state. I get a text from the company asking if it was me. I replied no then got a call. They call and they say they ordered a new card and it was going to be shipped over night and the account is locked never recieved it. They sent the money too a XXXX XXXX, I asked why is that happening. I was just told its apart of the process. They changed everything, including my email so I would not see what was going on in the account. Got another text that said it was coming through usps, after they had tried to call me. I wait the time they said and I asked them what are the other options to get my funds? They said we could transfer it to another card, so we tried that. He said it wouldn't go through, so he tried to get me to do it through XXXX XXXX. I didn't feel comfortable, so I told them to order another card instead. Later that night my other card was used somewhere it texas, I automatically locked and reported my other card. I am currently waiting to recieve a " tracking number '' to recieve my new card that I know I am not going to recieve. There is no way for me to contact someone higher up in the company, but the theft is coming from employees. I have text and the emails from before they changed the email address.

Company response to consumer: Closed with monetary relief