vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am submitting this complaint because a debt collector is trying to collect a XXXX XXXX balance that I dispute in full. I am the XXXX account holder for account number XXXX. XXXX incorrectly billed me for a disputed and cancelled wireless line, told me XXXX separate times that the issue had been fixed and that I did not need to pay anything, and then still sent the account to collections. My records include XXXX call reference number XXXX and the XXXX agent name XXXX. The issue started when I went to the XXXX store at XXXX to sign up for XXXX lines at {$25.00} per line with device offers. During that process, I was told I would receive a {$100.00} bill credit per line, and that if I purchased XXXX accessories per line, there would be an additional {$100.00} credit per line. Based on those representations, I proceeded with the transaction. XXXX line was transferred in-store, XXXX phones were ordered, and I paid approximately $ XXXX, including a {$30.00} setup-and-go fee. When I later returned to pick up the remaining phones, I asked again about the promised bill credit and was told the promotion had expired and would not be honored. I then tried to return the phones, but I was told I would have to pay a {$50.00} restocking fee. After my wife came to the store and we escalated the matter, the XXXX agreed to waive the restocking fee and we returned the phones. Because XXXX line had already been transferred before the return, I then had problems receiving text messages, accessing the XXXX account, and moving my number back. We ultimately had to go to a corporate XXXX store to cancel the line, and I had to pay money to move my number back to my prior XXXX. Despite all of this, XXXX continued billing me. I called XXXX customer service XXXX separate times, and each time I was told the issue had been fixed and that I owed nothing. Even after those assurances, XXXX sent XXXX bill dated XX/XX/year>, XXXX XXXX. XXXX, XXXX bill dated XX/XX/year>, XXXX XXXX. XXXX, and then a collection letter from The CBE Group XXXX XXXX, XXXX XXXX. XXXX, for {$72.00}. I dispute the {$72.00} in full. I want the collector to stop collection activity on this disputed debt unless and until it can validate the debt. I also want this account recalled from collections, confirmation in writing that my balance is {$0.00}, and correction or deletion of any inaccurate credit reporting related to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My husband and I are filing this complaint because Newrez LLC refuses to release insurance claim funds held in escrow, which has halted the reconstruction of our home, which was destroyed by fire on XX/XX/XXXX. Our insurer, XXXX XXXX, paid a total of {$510000.00} for the rebuild. Our previous mortgage servicer, XXXX XXXX ( formerly XXXX ), facilitated the initial process and released {$330000.00} for repairs. Since our mortgage was transferred to Newrez LLC, we have encountered an insurmountable impasse in securing the remaining {$170000.00} in escrowed insurance funds. To date, we have expended approximately {$350000.00} on reconstruction, exceeding the released funds by {$20000.00} of our own personal savings. Newrez currently estimates our project at 36 % completion, but refuses to release the next disbursement for labor costs. They have demanded a " materials-only '' list for approval, which is an unfeasible requirement as construction can not proceed without funding for labor. Lack of Accessibility and Communication : We have made exhaustive attempts to resolve this through the Loss Draft Department. Despite providing over 50 pieces of requested documentation and passing a physical inspection on XX/XX/XXXX, funds remain withheld. Furthermore, we are unable to reach any representative by phone to discuss this matter, and our correspondence with executive leadership has gone unacknowledged. While Newrez withholds our rebuild funds, they continue to collect monthly mortgage payments. This, combined with property taxes to the XXXXXXXX XXXX XXXX and the dual burden of rent and renters ' insurance for our temporary housing, is causing extreme and unnecessary financial distress.

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 2026-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
I am filing a complaint against Emmett L. Goodman , Jr. , LLC regarding debts they are attempting to collect on behalf of XXXX XXXX XXXX XXXX. I am currently dealing with multiple accounts from this creditor, and one account has already resulted in wage garnishment, which has placed a financial hardship on me. I am trying to prevent further hardship and ensure that all collection activity is lawful and properly documented. I formally dispute the remaining accounts. These accounts involve a repossessed vehicle that was sold at auction. However, I was never properly notified of the auction date, time, or location. I was also not informed of the amount the vehicle was sold for, nor was I provided with a post-sale accounting or explanation of how any alleged deficiency balance was calculated. Despite this, the law firm is attempting to collect on these balances. This lack of required notice is a serious issue. I am entitled to receive proper notification before the sale of collateral and a full accounting after the sale. Without this information, the validity of the alleged balances is questionable. Additionally, I have not received sufficient documentation showing that the law firm has the legal authority to collect these debts. I have submitted a formal written dispute and request for validation. I am requesting the following : Full validation of the alleged debts Proof that proper notice of the repossession sale was provided Documentation showing the auction sale price and how the balances were calculated Proof of legal authority to collect these debts Immediate cessation of collection activity until validation is provided Given that I have already experienced wage garnishment on a related account, I am seeking immediate review to prevent further financial harm. If proper documentation can not be provided, I request that these accounts be removed and all collection efforts stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Americor Funding, LLC
State: CA

Complaint narrative:
In XX/XX/year>, I enrolled in a debt settlement program with Americor Financial. Before signing, I asked the sales agent multiple times how payments would work. The agent never disclosed that Americor would NOT be paying my creditors I was not told my accounts would intentionally become delinquent as part of their strategy. This critical fact was buried in the written agreement 's fine print but never explained verbally. I made three on-time monthly deposits totaling {$1000.00} into the program account ( XXXX XXXX XXXX XXXX XXXX My bank statement confirms the first deposit of {$360.00} on XX/XX/year> to " XXXX XXXX XXXX '' PPD ID : XXXX. Despite holding my funds for 3 months, Americor never paid any of my creditors. On XX/XX/year>, Americor confirmed in writing via email : " No new terms were reached with any of your enrolled accounts. '' They refunded all deposits, confirming no creditor payments were ever made. As a direct result, a XXXX day late payment was reported on my XXXX XXXX XXXX credit card an account with a perfect payment history before enrollment. XXXX has denied my requests to remove it twice. The late mark will remain on my credit report until XXXX. I am requesting that Americor be required to issue a written statement to XXXX and all three credit bureaus confirming that the late payment resulted from Americor 's failure to forward my timely payment, so it can be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
A fraudulent {$3300.00} balance was placed on my SSN following the XXXX & XXXX XXXX breach that compromised my personal information. This account was opened without my authorization, and I have since identified it as identity theft linked to the leaked data. Despite my efforts to dispute this, the company continues to report this debt and has failed to provide proof of a signed contract or identity verification.

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 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Issue : Debt buyer reporting unverified account I am filing a complaint against XXXX XXXX XXXX regarding a collection account for {$530.00}. This account is allegedly tied to CAPITAL ONE, but I have not received : Original contract Full account history Proof of ownership of the debt XXXX XXXX XXXX has continued reporting this account without providing proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I made a purchase on the card which was a promotional card on XX/XX/XXXX. I paid each month on the XXXX as requested by the company. I've been charged late fees for XXXX, XXXX of XXXX and XXXX of XXXX. Their argument is that the billing date started on the XXXX. I was told by the representative on the phone to pay by the XXXX. I've asked to have those fees credited back to the card account. They have waved one fee and will not wave others. I'm not asking them to be waved. I'm telling them they've been paid and need to credit it back to my account. They've received {$260.00} each month for a minimum {$30.00} minimum payment. That's straight up robbery. They've also charged me {$2.00} minimum interest on a no interest promotional period.

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 monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NM

Complaint narrative:
My identity was stolen in XXXX when I was XXXX with the XXXX. I had over XXXX charges when I got back and got all of them cleared except XXXX off them. I refuse to pay for something I did not receive. It is sad that these companies took advantage of an XXXX XXXX XXXX that was representing XXXX XXXX. They refuse to eliminate these XXXX charges, which is between {$500.00} to {$700.00}. These companies knows that fraud has been commit and I have talk to them multiple times but nothing had happened. I would love to talk to anyone about these items my number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Issue : Debt buyer reporting unverified account I am filing a complaint against PORTFOLIO RECOVERY ASSOCIATES regarding a collection account for {$530.00}. This account is allegedly tied to XXXX XXXX, but I have not received : Original contract Full account history Proof of ownership of the debt Portfolio Recovery Associates has continued reporting this account without providing proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI XXXX XXXX is changing me for fraud acctivities on my fraud accounts from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and issueing the late payments from Novermber of XXXX. The last statement bill is in {$180.00} ( see, Attachments ). CITI XXXX XXXX is also making the daily phone calls to me to demand the payments from me for the fraud acctivities on my accounts which have been opened WITHOUT MY AGGREEMENTS under my name and with my address. I guess CITI XXXX XXXX is using the Atificial Inteligence to cheat me and demanding the payments from me.

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 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
This debt collector has clearly engaged in unfair practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not agree to, and I have never signed any agreement related to it. A valid legal contract requires the consent and signatures of both parties, and I categorically did not participate in any of this. They didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations, and clearly, they violated my rights and abused my privileges. I demand that this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The companys response did not resolve my complaint. XXXX XXXX has verbally confirmed multiple times that there is no late payment on my account and that the account is in good standing. However, the inaccurate late payment is still being reported on my credit reports. The companys response only indicates that the account is marked as in dispute, which does not correct the inaccurate information. Under the Fair Credit Reporting Act, only accurate information may be reported. Since the original creditor confirms no late payment exists, this information must be removed entirely not simply labeled as disputed. I am requesting that the inaccurate late payment be deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have had an account with Paypal for several years and rarely use it. On or about XXXX XXXX, I discovered my account had been hacked and someone had charged over {$6000.00} worth of Event tickets on XXXX to my debit card which is on file with Paypal. I also noted that XXXX XXXX dollars had been advanced on a " Paypal credit account '' and at least one payment of {$700.00} had been made on that credit account by usuing the same debit card on file with my regular Paypal account. I contacted Paypal and it refunded all of the fraudlent charges to my checking account except for the {$700.00}. I also informed them I had not requested a credit account, had never received any correspondence regarding any credit account and certainly never used a credit account. Why the fraudulent actors made a payment to the credit account of {$700.00} I do not know, but the sum is still due me from Paypal. I talked to Paypal on the phone two weeks ago and was assured my money would be refunded and that I did not owe the XXXX XXXX dollars due on the credit account. I have head nothing and today I tried to call or email them and I can not get access at either portal. I have received a call from a collection agency about the " Paypal Credit Card ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Subject : Identity Theft / Unauthorized Account Dispute Formal Investigation Request To : Early Warning Services LLC Re : Request for Investigation, Blocking, and Removal of Fraudulent Account To Whom It May Concern, I am writing to formally dispute inaccurate information contained in my consumer file. I recently discovered that a bank account was opened in my name without my knowledge or authorization. This account is the result of identity theft or fraudulent activity. I did not open, authorize, or benefit from this account in any way. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i and 1681c-2, I am requesting that you : 1. Conduct a reasonable and timely investigation into this matter 2. Block and remove any fraudulent or unauthorized accounts from my consumer file immediately 3. Provide written confirmation of the results of your investigation Please be advised that you are required to complete your investigation within 30 days of receipt of this dispute. Failure to comply with federal law, including failure to block or remove unverifiable information, may result in further action to enforce my rights. If you are unable to verify the validity of this account, it must be deleted from my file promptly. Please send all correspondence regarding this matter to me at the address listed below. Sincerely, XXXX XXXX XXXX XXXX XXXX, Apartment XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I opened a carecredit account believing I had a XXXX financing plan and if paid in full by 12 months there would be no interest. I paid off the full balance with over {$800.00} in interest in less than XXXX months. Significantly earlier than expected. Despite this I was charged an additional {$44.00} which was not clearly explained. I even called to and recieved a verbal confirmation that after paying in full and not charging any more there could not be any more fees added. Apparently retroactively deferred interest which I don't even know what that means. I always paid my bill way ahead of time. I made good faith efforts to pay off the balance quickly and responsibly. The terms were very confusing and not presented in a way that was easy to understand. I still don't get it. I work as a social worker with humans not with technology. I am requesting a review of my account and a refund or adjustment of the interest charges as well as removal of the remaining balance. I paid in full ahead of time.

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 monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Applied for balance transfer card with 0 % APR Received congratulations email that my new card with a {$300.00} credit limit and 29 % XXXX was on the way Called, explained that this was not what I applied for and wanted to cancel account Agent said she could not cancel accouint, only way to cancel account was after I received the card, then I could cancel online Card arrived with a {$2000.00} limit and 0 % APR for 18 months I tried to use this card and was denied, '' Account Restricted '' Called, asked for supervisor who told me I had cancelled this account. I explained that I had tried to cancel a card with a {$300.00} credit limit, not this card, and my cancellation was denied .. She said she would try to get the card re-instated. Received a letter saying card was reinstated Received a letter saying that my card reinstatement was being considered and would have a 27 % APR on balance transfers Called, asked for supervisor. Explained that I wanted to file a complaint, asked if they were regulated by CFPB. She said they were regulated by XXXX. I asked for her CFPB number and she had no idea what I was talking about. Asked for her supervisor. Spoke to someone who actually seemed to know what he was doing and asked that all inquiries and transactions would be deleted from all credit channels. He agreed. Overall, other than my last call, everyone I spoke to at the Customer Service level were untrained, uninformed, unaware of Federal Regulations and practices. All-in-all, a frustrating experience due to lack of knowledge on Citis end.

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 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I paid off my credit card before the due date and they still charged me interest. It was at XXXX balance prior to the new cycle!

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: TX

Complaint narrative:
Formal Dispute of Account Possible Financial Inc Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity and reporting of the above-referenced account listed on my credit report. Under my rights pursuant to the Fair Credit Reporting Act ( 15 USC 1681 ), I am requesting a full investigation of this account. I have reason to believe this account is inaccurate, incomplete, or otherwise unverifiable. Specifically, I do not recall ever providing written authorization or consent for Possible Financial Inc to obtain, access, or furnish any of my personal information to any third party, including your agency. As such, this raises serious concerns regarding the permissible purpose under 15 U.S.C. 1681b. Furthermore, under 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy when reporting consumer information. At this time, you have failed to demonstrate that this account meets that standard.

Company response to consumer: Closed with explanation