vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> RESURGENT/LVNV FUNDING P.O. XXXX XXXX XXXX, SC XXXX RE : FINAL NOTICE- FAILURE TO VALIDATE DEBT / VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : [ XXXX ] To Whom It May Concern, This letter serves as a formal follow up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 USC 1692g of the Fair Debt Collection Practices ACT ( FSCPA and 15 USC 1692g Sec. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. 

Additionallu, continued collection efforts without proper validation ciolate the FDCPA, Specially : - 15 U.S.C 1692e - False or Misleading Representation - 15 U.S.C 1692f - Unfair practices- 15 U.S.C 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. 

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) the Federal Trade Commission ( FTC ) and my State Attorney General and pursue civil litigation. 

Sincerly XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: NV

Complaint narrative:
I am submitting this complaint regarding PNCs decision to close my PNC XXXX credit card account without providing the required XXXX advance notice. On XX/XX/2026, while reviewing my online banking account, I noticed that I could no longer see the details of my credit card account. I then contacted PNC and learned that my account, which had a {$30000.00} credit limit and XXXX balance owed, had been closed. I receive all account notifications via email. Upon review, I had not received a single notice about a change or the closing of this account. In fact, I thought this a mistake since I had just reviewed my account a few days earlier and saw no change in status ( i.e., no decrease in credit limit or account closure ). Further, I went to my online account and saw no evidence that I had even had a credit card. It did not properly reflect that a card existed and was not closed. And, I have no access to even past transactions. Additionally, I went to both the Communications/Messages section, as well as the Statements and Disclosures section, and saw absolutely no messages whatsoever relating to my credit card account, even though there were other notices related to other accounts ( e.g., banking-related activity ). I am a long-standing account holder with PNC Bank XXXX and I have no history of late payments on this or any other credit card account. The decision to close my account without notice or an opportunity to cure is violative of the law, and it could have put me in serious harm while traveling and having no awareness of such closure. PNCs failure to provide proper notice has caused unnecessary and avoidable harm to my credit standing. PNC is also in violation of adequate record-keeping as there is nothing that reflects that I have had a credit card account for YEARS, and there is certainly nothing to reflect its removal. This institution 's faulty and deceptive trade practices are harmful, likely XXXX, and need to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
I am writing to document that I am currently unable to access my account to make my upcoming payment. I have attempted to log in and have reached out to support multiple times via text and email, but I have not received a response for over a week. 
At this time, there appears to be no alternative method available to submit a payment ( no phone option, web access, or other payment channel ). I am making a good-faith effort to pay my balance before the due date and resolve this issue immediately. 
Please advise as soon as possible on how I can submit my payment. I request confirmation that no late fees, penalties, or negative credit reporting will occur as a result of the lack of account access and inability to reach support despite my documented attempts. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Lendsmart, Inc.
State: AZ

Complaint narrative:
Asked for an extension on the on the XXXX XXXX XXXXXXXX my payment would not be due until XX/XX/XXXX, due to financial hardship and moving costs per XXXX XXXX they could not grant me an extension. I did a promise to pay for the for my payment due on XX/XX/XXXX verbally. Starting the following Friday, I have received calls nonstop even after answering multiple times a day and communicating I would find a way to make payment. They called my family and friends and disclosed my personal debt and past due payment telling them they would repossess my car. They called my employer which I let them know was unacceptable because I could lose my job. They also sent a third party collector to my house to collect cash money from me to which I reached out and told them I would make payment the payment portal or at a payment location not to a stranger. On XX/XX/year> I was harassed again with nonstop calls, to which I honestly let them know I would surrender my car, to this I was sent a threating text from XXXX advising me the police have been contacted, and to go drop off my car today by end of day.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX XXXX American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Re : Account Number XXXX To Whom It May Concern, I am writing in response to a collection notice stating that I owe a balance of {$88.00}. I dispute this debt in its entirety. 

I never received the funds referenced in your notice, and according to my records, payment was already received. Therefore, your records appear to be inaccurate. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. Please provide the following : 1. Proof that I agreed to and am legally responsible for this debt.

2. Documentation showing how the amount of {$88.00} was calculated.

3. Proof that you are authorized to collect on this account.

4. Copies of any documents bearing my signature related to this matter.

Until you provide proper validation, I request that you cease all collection efforts and reporting to any credit reporting agencies.

If this matter is not resolved promptly, I am prepared to file a complaint with the appropriate regulatory authorities.

I expect a written response within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello On XX/XX/year>, I was engaged to deposit funds into my crypto account through an app called XXXX. I worked through the app 's customer service to exchange some XXXX $ into my account. They provided the name of the Bank and routing information. I proceeded to wire {$12000.00} to XXXXXXXX XXXX. I was instructed that the funds would be available in my XXXX Account within XXXX business days. On XX/XX/XXXX, I was told that " due to frequent Large-Scale currency exchanges on the Merchant 's account, the merchant 's funds have been frozen, and I was asked to contact my bank, Wells Fargo , to request a wire RECALL. I called my bank and this has been in-progress since XX/XX/XXXX, with no resolution this far. I would like my money deposited back into my Wells Fargo Account ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Friday XX/XX/year>, called Wells Fargo bank with complaint of XXXX separate wires in the amount of {$10000.00} and {$10000.00} in pending mode ( at the time of the call ) to report them as fraudulent. Was on the phone approximately XXXX hours with several different departments including the FRAUD department and explained that these were not my wires and that they needed to be stopped ( they were showing pending on my online banking at the time of the call ) During this call i was connected to several different departments, spoke with several employees and was told that i would have to go to a branch and file a complaint inside a branch because this was a business account. We went to wells Fargo Bank on XX/XX/year> at XXXX am filed a complaint for the fraudulent wires, closed that business account down, reopened a new business account and was informed ( by Wells Fargo employee and XXXX XXXX XXXX ) it would take XXXX to XXXX business days for the money ( the {$10000.00} and the {$10000.00} ) to be put back into my business account. After 10 days and no communication from bank and funds had not been returned, contacted XXXX XXXX again and found out that nothing had been filed and that they were initiating and escalating this complaint and that it would be close to 30 days before we would actually receive our funds back. waited another XXXX weeks and still nothing, i again reached out to XXXX XXXX who informed me that Wells Fargo will not be fighting to get my fraudulent wire reimbursed and that all we could do was to file a Client Hold Harmless Indemnification Agreement ( which I have not done ) but that would not even guarantee we would receive our funds. Wells Fargo XXXX XXXX Bank has had wire frauds done and Wells Fargo knows that they were not authorized by 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 explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
This kid said they would give me this account for {$20.00} so I sent {$20.00} on cash app and he didnt give me the account or give me the money back and I cant get it back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding an alleged debt associated with me. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act.

Please provide the following : 1. The amount of the alleged debt, including a breakdown of any interest, fees, or charges.

2. The name and address of the original creditor.

3. Copies of any documents bearing my signature that show I agreed to this debt.

4. Documentation showing that you are authorized to collect on this debt.

5. The date of the alleged debt and the date of last payment, if any.

Until you provide the requested validation, please cease collection activity and do not report this account to any credit reporting agency. If this account has already been reported, please note that it is in dispute. 

Thank you for your cooperation. Please respond in writing to the address listed below. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I am filing this complaint because my mortgage servicer has failed to properly apply my 100 % VA property tax exemption, despite receiving official documentation on XX/XX/XXXX. I am rated 100 % XXXX by the Department XXXX XXXX XXXX and qualify for a full property tax exemption under Virginia law. I provided the exemption letter to my mortgage servicer on XX/XX/XXXX. Since that time, I have spoken with multiple representatives in the tax department who confirmed that the exemption letter is in their possession. 
Despite this confirmation, my mortgage statements continue to include full property tax escrow charges. I have continued making full mortgage payments that improperly include property tax amounts. 
On multiple occasions, I was told the account was showing partially exempt, which is incorrect. My exemption is 100 %. There is no partial exemption. 
As of today, XX/XX/XXXX, this issue has not been corrected, and I have been overpaying escrow for nearly XXXX months. 

I am requesting : Immediate correction of my escrow account A complete escrow analysis Refund of all overpaid property tax amounts collected since XX/XX/XXXX A written explanation of why this error occurred The servicer has acknowledged receipt and validity of my documentation but has failed to correct the account in a timely manner. 

I am requesting regulatory intervention to ensure this issue is resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding the improper handling and denial of my fraud claim by my financial institution. Despite providing clear evidence of theft, medical incapacity, and unauthorized use of my account, my claim was denied based solely on the assertion that the transactions were approved from my phone. 

On XX/XX/XXXX, I experienced a documented medical emergency related to severe XXXX while arriving at a XXXX location. I became disoriented, lost consciousness, and was physically unable to protect myself or my belongings. I was transported to the hospital for emergency medical care. 

When I was XXXX from the hospital, I no longer had possession of my phone, debit card, wallet, identification, or work badge. These items were taken while I was incapacitated. I later discovered unauthorized transactions that occurred during the exact timeframe I was hospitalized and medically unable to drive, shop, or approve transactions. 

The financial institution denied my fraud claim on the basis that the transactions were approved from my cellular device. This conclusion is fundamentally flawed. My phone itself was stolen during a medical emergency. At the time, my phone did not have a lock enabled, and the individual who took my belongings had access to my phone, email, debit card, and personal identifying information. Any transactions approved from my phone were not authorized by me and occurred while the device was in the possession of another person without my knowledge or consent. 

I have provided the financial institution with the following supporting documentation : A police report documenting the theft of my phone, debit card, and personal belongings Medical records confirming my hospitalization and incapacity on XX/XX/XXXX Evidence that I was physically unable to conduct or approve transactions during the disputed timeframe Despite this documentation, the institution failed to conduct a reasonable investigation and relied solely on device authorization, ignoring the theft of the device itself and my medical incapacity. This denial does not align with fair fraud investigation standards or consumer protections under the Electronic Fund Transfer Act ( EFTA ). 

I am requesting CFPB assistance to require the financial institution to properly re-investigate this claim, reverse the unauthorized charges, and correct any related account or credit impacts. I am also requesting confirmation that proper fraud investigation procedures are being followed. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I contacted SoFi regarding a personal loan matter and spoke with a loan origination XXXX. During the call, I was asked to provide my name, date of birth, and the last XXXX digits of my Social Security number. After providing that information, I was informed that I could not proceed unless I completed an enhanced identity verification process that required submitting a selfie and a copy of my government-issued photo ID. 

Before submitting biometric and identification data, I asked how this information would be stored, secured, retained, and whether a third-party vendor was involved in the verification process. The representative stated that this information could not be provided unless I first completed the enhanced verification process. I requested escalation to a supervisor and was told that escalation was not available without completing the verification process. 

I am not disputing the companys right to verify identity. My concern is the refusal to provide basic transparency regarding the handling of highly sensitive biometric and identification data before requiring submission. I am seeking written clarification of these policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am submitting this complaint regarding American Expresss decision to reduce my XXXX XXXX Preferred card credit limit without providing the required XXXX advance notice. On XX/XX/year>, I checked my account prior to making an ATM withdrawal. I had an available balance of more than {$17000.00}, of which {$5000.00} was available for cash advance. I had even called days before to confirm that I could make a cash advance withdrawal. On XX/XX/year>, AT XXXX PM XXXX XXXX, I made a cash advance withdrawal of {$3000.00}. Within XXXX minute of that transaction ( at XXXX PM XXXX ), I received an email from American Express stating that my credit limit was being reduced from {$35000.00} to {$21000.00} ( which was an amount very close to the entire balance owed. THIS now makes it appear as though I had nearly maxed out my credit limit, which negatively impacts my credit score. They provided the following as reasons : XXXX ) The proportion of your American Express balance ( XXXX ) that you have paid in recent months is too low. XXXX ) The average of your recent payments in relation to the balance on XXXX or more of your American Express account ( XXXX ) is too low. XXXX ) Based on your credit report, the balance on XXXX or more of your account ( XXXX ) is too high relative to their limit. Your FICO Score ( see below ). For reason # XXXX and # XXXX, I paid the amounts set by the credit card company and that has kept me in good standing with regards to a payment history. THEY set those repayment limits that allow them to keep charging ridiculous amounts of interest. I pay what THEY set as the minimum payment. I am now being penalized for making payments using the structure that they put in place, even though I have an excellent repayment history. As for reason # XXXX, while balances may be high on other cards ( which wasnt high on their card ), I have had an excellent repayment history and showed no inability to repay. They also referenced a credit score, which still qualifies individuals for mortgages, and they did not set in writing that I needed to maintain a minimum score to keep my credit line. I have not engaged in any unusual or irresponsible credit activity, and my payment history remains spotless. American Expresss failure to provide proper notice ( i.e., XXXX minute after an authorized transaction ), combined with vague and duplicative adverse-action reasons, has caused unnecessary and avoidable harm to my credit standing.

Company response to consumer: Closed with explanation