vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding my checking account with Wells Fargo. I was recently notified that my account is scheduled to be closed on XX/XX/XXXX due to a XXXX transaction that was sent to my account without my request or consent in the amount of {$300.00} from a person named XXXX on XX/XX/26. I was able to speak with XXXX and he stated that he accidentally sent the money to an incorrect XXXX, he meant to send it to another XXXX ( a realtor ). XXXX also mentioned that the bank had paid him back. I also asked him to please stop the request with XXXX so I can continue with my Wells Fargo account and he said that XXXX told him there was nothing that XXXX can do, only Wells Fargo. I want to make it clear that I did not solicit or request this payment. The funds were sent to my account unexpectedly, and I had no involvement in initiating the transaction. Additionally, I never received a phone call or any direct communication from Wells Fargo explaining what was happening or notifying me that there was an issue with my account. I was never given the opportunity to speak with anyone, explain the situation, or provide my side before the decision was made to close my account. This situation is extremely concerning because I am being penalized for a transaction that I did not authorize or request. I rely on my account for my regular financial activities, and the closure of my account will cause significant hardship and health issues.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I currently owe money to One Main Financial and after losing my job that became difficult. They call me every XXXX hours and send multiple emails and text messages throughout the day due to being late. I am trying to work my finances but it is hard to answer their calls when I am working at my new job and in meetings. I try to arrange times for them to call when they will call an hour late or the next day. They will also call from different numbers throughout the day so have to loom at all call log foe their numbers. Other companies that do this is credit one who will call every XXXX min to XXXX hours in XXXX day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I have a mortgage with NewRez. 1. On XX/XX/XXXX I paid a recast fee {$250.00}. I was then told I will receive documents in the mail that I need to sign and return to proceed with recasting the loan. A month went by and we didn't receive any documents. 2. I called for a second time on XX/XX/XXXX asking about the mailed documents and was told that they will not be mailed and that I need to pay {$10.00} ( minimum payment ) to recast the loan which I did during that phone call. I was then told that I will receive an email within a week with documents I need to sign to finalize the recast. 3. I called for a third time on XX/XX/XXXX and asked why I haven't received an email yet. I was then told that {$10.00} was not enough to recast my loan and that it needs to be 10 % of the principal balance which comes to XXXX. Since I had a mortgage payment in the meantime and I paid {$600.00} towards the principal, they were asking for another {$730.00} which I paid over the phone the same day. I was told again that I will receive an email with documents I need to sign within 7 days. 4. I called for a 4th time on XX/XX/XXXX and asked why I haven't received an email yet. I was told that the prior agent I spoke with didn't finalize the recast ( as the only issue ) and that it was being finalized now. I was told I will receive an email within a week. 5. I called for a 5th time on XX/XX/XXXX and asked why I haven't received an email yet. I was told that the previous agent didn't finalize the recast process and that they didn't factor in the {$730.00} that I paid on XXXX. I was told I will receive an email within a week and I still haven't received anything.

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I opened both a personal and business account with Truist Bank and deposited approximately {$2000.00}. Shortly afterward, the accounts were closed due to XXXX XXXX XXXX. I was not provided any formal written notice that the accounts had been closed. Truist informed me that the remaining balances from the closed accounts would be mailed to me by check. I was later told that two checks totaling approximately {$2000.00} were issued and mailed on XX/XX/year>. As of today, I have not received either check. I have contacted Truist numerous times by phone attempting to resolve this issue. Each time I have been told the checks were mailed, but no one has been able to provide proof of mailing, tracking information, or confirmation that the checks were actually sent. During my calls with Truist, I also requested alternative ways to receive my funds since the checks never arrived. I asked whether the original deposit transaction could be reversed or whether the funds could be transferred or released through another method so I could actually receive them. These requests were denied. I have also requested that the checks be canceled and reissued, but Truist has not done this. Additionally, I was told that someone from the back office would contact me to process the reissue of the checks. I was told I would receive calls at specific times, including XXXX XXXX and later XXXX XXXX, but I never received those calls. I also contacted a branch representative and emailed a branch leader requesting assistance with having the checks reissued or sent to a branch where I could pick them up with identification. Despite these attempts, the issue remains unresolved. More than a month has passed since the accounts were closed, and Truist still has not provided me access to my funds totaling approximately {$2000.00}. These funds include money needed for essential expenses and upcoming international travel within the next two weeks. I am requesting that Truist immediately cancel the original checks and reissue the funds either by allowing me to pick up the checks at a branch with identification or by sending them through certified or trackable mail to ensure delivery.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request- XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am disputing the way SYNCB is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, SYNCB, with account # XXXXXXXX XXXX XXXX XXXX XXXX reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

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 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am submitting a complaint regarding my banks ( PNC ) denial of a dispute involving a wire transfer sent on XX/XX/XXXX for the amount of {$3200.00}. The wire transfer was sent to a business called XXXX XXXX XXXX for wedding photography services. At the time of the payment, the business appeared legitimate and was actively booking clients. Recently, the company announced that it has ceased operations and will not be providing the services that were paid for. Services to happen on XX/XX/XXXX. This information became known well after the transaction took place. As soon as I became aware that the company had shut down and would not provide the services, I contacted my bank to report the issue and request assistance. My bank denied the claim stating that I did not notify them within XXXX days of the transaction appearing on my statement. However, it was not possible for me to know there was an issue with the transaction until the company publicly announced that it had ceased operations and would not fulfill the services. I am requesting that the bank review this situation again and determine whether any options exist to recover the funds or provide assistance, given that the payment was made to a business that took payment and then ceased operations without delivering the promised services. I would appreciate a reconsideration of my claim and clarification of any further options available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
Validation of Debt Request- JEFFERSON .CAPITAL LL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I was contacted about a debt for approximately {$920.00} I did not apply for or open this credit card. I contacted the company and informed them that the account is fraudulent and not mine. I requested that they investigate the fraud and remove the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: MT

Complaint narrative:
XXXX claims I owe them from a closed account from years ago but I have receipts verifying that my account was settled. XXXX denies this and keeps trying to find another debt collection agency to collect on me. Every time I send the new collection agency the receipts and they drop it but this time, Mrs BPO, the current collection agency does not respond to my proof or even to my attorney 's insistence that they comply with the law regarding collection matters. I have tried the XXXX but Mrs BPO has lied to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I took a taxi from XXXX XXXX to a hotel 1 mile away. The taxi meter showed that I owed XXXX and I received a receipt showing my card charge for XXXX. When I got into the hotel I saw that I was charged XXXX. I opened a dispute and on XX/XX/XXXX, I was asked for more information so I explained again showing my receipt for XXXX and explaining how it was a 1 mile taxi ride on XX/XX/XXXX. I was told that they have sided with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: CA

Complaint narrative:
MRSBPO is falsely reporting on my credit. I have never had any accounts with them. Per my research MRSBPO is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX, I received text message communications from XXXX XXXX XXXX attempting to collect a medical debt related to XXXX XXXX. Calls were placed to XXXX at XXXX XXXX ( XXXX XXXX hung up ) & XXXX XXXX ( XXXX was overtalking me being rude ) I attempt to let the representees know the situation however they disconnected. Email was sent on XX/XX/XXXX to XXXX. Additionally, when documents were previously signed, they were executed only in a representative capacity as Power of Attorney for XXXX XXXX and not as a personal guarantor. I am no longer acting as her Power of Attorney, and this change has been public record since XXXX due to court-appointed guardianship. I have no legal responsibility for this debt, and any attempt to associate my contact information with the account is incorrect. I am not the debtor and I do not owe this bill. Months earlier, on XX/XX/XXXX at XXXX XXXX, I sent written notice to XXXX XXXX XXXX XXXX XXXX informing them that XXXX XXXX no longer resides with me and that I am not responsible for her bills. I clearly stated in that email that the bill needed to be updated in her name and that it was not my bill. Despite this written notice, my phone number and address continued to be associated with the account and the matter was later referred to XXXX XXXX XXXX for collection. As a result, I received two text messages to my personal cell phone from XXXX XXXX XXXX regarding a debt that I do not owe. I never provided consent for my phone number to be used for collection communications. I attempted to contact the company by phone to explain that they have the wrong person, and the call was disconnected while I was attempting to address the issue. This situation involves a debt collector contacting the wrong party and sending text messages to a phone number that was never provided for consent to receive collection communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased a mattress through a 12-month promotional financing plan with Synchrony Financial at Mattress Firm and made regular monthly payments during the promotional period. However, I did not receive clear or prominent notifications explaining that if any balance remained after the 12 months, all deferred interest would be applied retroactively. Additionally, the emails I received stopped for a period of about 3 to 5 months, and I only received them again this year in XXXX, showing the overdue payments and the interest charge. As a result, I was only informed of the accrued interest long after the time had passed. In addition, the interest that was charged after this delay added a substantial amount to my balance. I respectfully request a review of my case and consideration of adjusting or removing the deferred interest, as I believe the timing and clarity of these communications were not adequate.

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