vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midstate Collection Solutions, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a debt collection notice from Midstate Collection Solutions regarding an alleged medical debt from XXXX Family Practice dating back to XX/XX/XXXX. I had not received prior billing statements or notices regarding this account and sought to verify that the debt was valid and belonged to me. After receiving the collection notice, I attempted to contact XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA, directly but did not receive any return calls. I then sent a written request for debt validation by certified mail to Midstate Collection Solutions. USPS records show the letter was delivered on XX/XX/XXXX, and accepted by the collection agency on XX/XX/XXXX. In addition, I spoke with a representative of XXXX XXXX XXXX by telephone and was instructed to submit my request by email. Following that conversation, I sent email requests for debt validation on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My requests were not a refusal to pay. I simply requested documentation verifying that the debt is mine and supporting the amount being claimed. Despite my certified letter and multiple email requests, I have received no response, no validation of the debt, and no supporting documentation. The collection notice stated that I had until XX/XX/XXXX, to dispute or request validation before the account could be reported to credit reporting agencies. I am filing this complaint because I made timely and repeated efforts to obtain verification of the debt, but the collection agency has failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am filing this complaint against CREDIT COLLECTION SERVICES, located at XXXX XXXX XXXX, XXXX, MA XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$0.00} originally owed to XXXX IN OF WISCONSIN, Account XXXX XXXX XXXX, on my consumer credit reports with Experian, Equifax, and/or TransUnion. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information that can not be verified. This unlawful collection and reporting activity has caused me significant harm, including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Rocket Mortgage purchased my mortgage more than a year ago. Payment for my flood insurance is due NOW and they are refusing to pay the {$2200.00}, claiming that is a non-escrowed policy. My taxes and insurance ( homeowners and flood which I am REQUIRED to have ) have always been paid through the escrow account since I closed on the house in XXXX. They were paid out of escrow in XXXX. They have been collecting for my insurance policies but now are refusing to pay. I will have to pay the {$2200.00} out of pocket very soon to avoid losing flood coverage, even though I have already paid for it through the portion of my monthly payment that is for my escrow account. I believe Rocket Mortgage ( and their third party escrow company ) made the error because my XXXX homeowner and flood policies were with the same company ; two policies but with the same company. Now I have two policies, but with two different companies. Regardless of the reason for the error, they need to pay for my flood insurance ASAP. I will also complain that the third party providers, both insurance and escrow are terrible. My agent and I have wasted hours trying to work with these two companies and never can get past the customer service person who reads a script and has no authority or real knowledge. The escrow person I spoke to lied to me ; she understood the issue and created a " case ''. She said I would receive documents in the mail soon to begin to straighten this out. There's no such information about a " case '' when others look at my file. My agent and I both tried to speak to a live person at Rocket Mortgage but it is impossible. Chats and autobots are not sufficient to deal with this issue. We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Last year I opened up a XXXX XXXX Chase Card. When I tried pay off payments and close the card I wasnt given direct confirmation and kept on being sent back-and-forth between Chase and XXXX. On my Chase account summary is stated that I was still being charged for items I already returned to XXXX. I tried resolving this issue and Chase just kept on giving me the item numbers and sending me to XXXX. And then when I went to XXXX about the item numbers and the returns, XXXX sent me back to Chase stating it was an issue for the bank. Once a new summary came in and it finally showed they took off the charges from the returned items. I was being charged with a {$35.00} fee from Chase. Ive been trying to close this card and resolve this issue since last year but its continued to persist. Now Im being charged with {$270.00} which all from fees. Chase only compensated me with {$85.00} leaving me to still have to pay {$180.00}. After that, they started blaming XXXX for the issue when I talked to XXXX about this to see if they could do anything about it. They replied no, and even said that they wouldnt be able to file a report for this issue on their end. Stating that I need to talk to Chase. I would also like to say that when I called Chase on XX/XX/year> to talk about this issue. The employee XXXX stated that they did not have an identification number. Then later, they said they were unable to give their identification number. We also talked to their supervisor XXXX and he also was stating he was unable to give his employee identification number. Meanwhile, when I called Chase last week, both employee and supervisor were able to give me their name and identification number. I was told that I need to pay off the {$180.00} by XX/XX/year> or they will send my case to a debt collecting agency and my payment will increase. This issue has caused me lots of stress which is not good for my health, on top of the ive wasted many hours on this, preventing me from going to the XXXX XXXX which helps with my mental health and personal health. It also stopped me handling things that need to get done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC
State: IN

Complaint narrative:
FAY SERVICING IS ENGAGING IN PREDATORY, UNLAWFUL AND DECEPTIVE BILLING PRACTICES REGARDING MY MORTGAGE ACCOUNT. THE SERVICER IS DEMANDING A UNCONSCIONABLE 42.45 % TOTAL INTEREST RATE BY TACKING ON A 35 % DEFAULT RATE ONTO MY 7.45 % BASE INTEREST RATE. FURTHERMORE, THEY ARE DEMANDING A PREPAYMENT PENALTY ON A LOAN THAT THEY HAVE ALREADY ACCELERATED WHILE SIMULTANEOUSLY STACKING REDUNDANT POST ACCELERATION LATE FEES ONTO MY BALANCE. FAY SERVICING IS ATTEMPTING TO COLLECT A 35 % '' DEFAULT INTEREST RATE '' PENALTY ON TOP OF MY 7.45 % BASE RATE TOTALING 42.45 % .THIS EXTREME PENALTY FAR EXCEEDS INDUSTRY STANDARD GUIDELINES AND OPERATES AS AN ILLEGAL, PUNITIVE PENALTY RATHER THAN A REASONABLE ESTIMATION OF ACTUAL LIQUIDATED DAMAGES. FAY SERVICING HAS FORMALLY INVOKED THE ACCELARATION CLAUSE ON MY LOAN. DESPITE TERMINATING THE CONTRACT ( VIA ACCELERATION ) THEY ARE DEMANDING A PREPAYMENT PENALTY. ESTABLISHED LENDING LAW DICTATES THAT A PREPAYMENT PENALTY CAN NOT BE CHARGED WHEN LENDER FORCES FULL PAYMENT EARLY ( VIA ACCELERATION ) AS PAYMENT IS MANDATORY AND NOT AT THE BORROWER 'S OPTION... FOLLOWING THE ACCELERATION OF MY LOAN FAY SERVICING CONTINUED TO PILE ON PERIODIC LATE FEES.. LEGALLY, ACCELERATION TERMINATES THE BORROWER 'S DUTY TO MAKE PERIODIC MONTHLY PAYMENTS BECAUSE THE ENTIRE BALANCE HAS BECOME DUE. ASSESSING LATE FEES ON IMAGINARY " MISSED PAYMENTS '' POST- ACCELERATION IS A ILLEGAL DOUBLE RECOVERY MECHANISM INTENDED TO INFLATE THEIR PAYOFF QUOTES

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
What happened I was enrolled in a payment plan from late XXXX through XXXX. During this period, I made all required payments, often exceeding the minimum amounts due, and was never more than a few days late. Despite this, late fees were assessed across multiple months without clear explanation. In XX/XX/XXXX, after completing the payment plan, my account showed a balance of approximately {$300.00}. I paid this immediately. Shortly afterward, an additional balance of {$220.00} appeared, which I also paid promptly. In XX/XX/XXXX, I encountered significant inconsistencies in the balance being reported : Online portal showed a balance of approximately {$750.00} On XX/XX/XXXX, the portal showed {$160.00} The automated phone system stated I owed {$550.00} A customer service representative stated I owed approximately {$500.00} and claimed that the {$160.00} shown online represented only late fees The online portal does not disclose that the displayed amount excludes other portions of the balance. This presentation is misleading and does not accurately reflect the total amount owed. What Ive done to try to resolve I contacted customer service by phone and chat multiple times. Representatives provided inconsistent and conflicting explanations of my balance. I was escalated to a manager line and told a transaction history would be sent, but my primary concernwhat I actually owe and why different systems show materially different balanceswas not addressed. When I asked whether paying the {$160.00} shown in the portal would have resulted in additional late fees or penalties, my question was not answered. What harm this caused I have been unable to determine the correct amount owed despite making good-faith payments, including payments in excess of required amounts. I have received multiple conflicting balance amounts ( {$750.00}, {$160.00}, {$550.00}, and ~ {$500.00} ), creating confusion and exposing me to potential additional fees. The inconsistent and misleading presentation of account balances has made it difficult to manage my account and has caused financial uncertainty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: MN

Complaint narrative:
My entire mortgage is fraudulent. There's not a single number that is correct due to severe missmanagement of this loan from day one. The servicer is selene finance lp. I cant even begin to list all the issues that have been created by this company that is now to the point of foreclosure. Ive tried to resolve this with my first NOE letter I sent back in XXXX of XXXX. This and 2 more XXXX letters ive sent were certified return reciepts SO I have proof.i recently contacted the person in charge of home help. I had requested help from them and was approved for help tldo to covid and no work. The response I recieved shows selene finance did not apply the state funds to my loan, they recieved more money that was needed to flreinstate the loan, they kept all of the states money.my mortgage is not what the servicer is saying it is. There was a fabricated escrow shortage that is the same amount that the state paid to reinstate my loan. That shortage has caused a {$500.00} increase to my monthly payment. Its not a real number.this has caused me to depleted my life savings.every number on my statement is incorrect due to mishandling funds. Also, this is yhe fourth time ive filled this out. I thought it had been submitted but it was lost when attaching proof. I need a email to send proof to. I have a 3 ring binder full of proof. Every time I try to attach anything it crashes all that ive typed Im not going to do this again. After reading my response please contact me so I can send any and all the proof needed.today is the deadline to reinstate the loan. However because all the accounting on my mortgage is incorrect im unable to pay. I've already been sent pre foreclosure notices and default notice but these are based on incorrect accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am filing this complaint against MIDLAND CREDIT MANAGEMENT, located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX MI XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$930.00} originally owed to MIDLAND CREDIT MANAGEMENT, Account No. xxxxx XXXX, on my consumer credit reports with Experian, Equifax, and/or TransUnion. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( XXXX ) cease all collection activity ; ( XXXX ) provide full written validation of the alleged debt; and ( XXXX ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION XXXX REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information that can not be verified. This unlawful collection and reporting activity has caused me significant harm, including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all XXXX credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all XXXX credit bureaus. All records are preserved for potential civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
The team from Rocket Mortgage Tax or Escrow Department failed to pay property tax on time. The tax bill is {$1800.00}. They missed the deadline, and I got a Notice of Tax Sale. I called them immediately. They paid {$2100.00} from my escrow account. Please see attachment for more details. I requested the refund for the penalty and interest, which is {$270.00} on XX/XX/XXXX. I called them many times at XXXX. Each time, they just said they had opened this case and were waiting for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
As of XX/XX/XXXX, Case NO. : XXXX by XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX AZ XXXX had a judgement against me that was wrongfully ordered. As of XX/XX/XXXX, this collection was removed from my credit report. This 3rd party collection agency is attempting to wrongfully collect debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Unfulfilled Capital One Travel Portal Targeted XXXX Miles Promotion Missing Capital One Miles Complaint Details : I am filing a formal consumer complaint against Capital One for failing to honor the terms of a targeted promotional offer deployed within their mobile application ecosystem. Prior to XX/XX/XXXX, I activated a targeted application offer titled the " Capital One Travel Portal Targeted XXXX Miles Promotion. '' Public promotional tracks confirm this system-wide marketing campaign ran from XX/XX/year> through an expiration date of XX/XX/year>. The explicit terms of this incentive promised select cardholders an accelerated rewards rate of XXXX miles per dollar spent on their first qualifying hotel or car rental reservation booked through Capital One Travel during this window. Relying directly on this marketing offer, I booked a one-night hotel stay in XXXX XXXX XXXX XXXX XXXX within the valid promotional time frame. The exact transaction amount charged to my Capital One card was {$240.00} Based on the XXXX promotional accelerator, this purchase qualified my account to receive a rewards credit of approximately XXXX Capital One miles. While the standard base miles for the transaction were applied, Capital One has entirely failed to honor and credit the promotional balance of XXXX miles to my account. Customer service representatives refused to apply the credit manually due to the lack of a user-side screenshot. As a consumer, I do not have direct backend access to Capital Ones internal data archives or historical app interfaces. However, Capital One is federally required to maintain accurate clickstream, activation, and transaction records for targeted incentives used to drive user spending. The promotion name, the activation log for this XXXX offer, and the subsequent {$250.00} XXXX XXXX hotel charge are all fully archived within Capital One 's backend database for XX/XX/XXXX. Desired Resolution : I request that Capital Ones corporate escalation team audit my account 's promotional activation history and travel portal transaction logs from XX/XX/XXXX, verify the qualifying {$250.00} XXXX XXXX hotel charge under the active " Capital One Travel Portal Targeted XXXX Miles Promotion '' ( valid through XX/XX/year> ), and manually credit the missing XXXX promotional miles to my rewards balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
On XX/XX/year>, I attempted a cash withdrawal at a XXXX ATM in XXXX XXXX XXXX, XXXX. I was shown an unfavorable exchange rate, cancelled the transaction, and left the ATM without receiving any cash. Despite cancelling, {$720.00} was charged to my checking account. I opened a dispute with my bank. On XX/XX/year>, a provisional credit of {$720.00} was issued while the investigation was pending. On XX/XX/year>, my dispute was denied and I was notified the provisional credit would be reversed on XX/XX/year>. The denial states that XXXX confirmed funds were dispensed and the ATM balanced. However, XXXX own documentation acknowledges that their ATMs dispense cash after returning the card, and that the cash remains exposed until the customer takes it. This confirms dispensing only, not that I received the funds. There is no video evidence, no signature, and no proof I collected anything. When I called to contest the decision and request further escalation, I was told that without additional supporting documentation, nothing more could be done. I am requesting that the CFPB intervene and require a proper review of this dispute before the XX/XX/XXXX reversal date.

Company response to consumer: Closed with explanation