vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC
State: TN

Complaint narrative:
I am filing a complaint against Mutual Management Services for egregious violations of the FDCPA and FCRA. I naturally concluded my lease with XXXX XXXX XXXX in XX/XX/year>. The landlord failed to send physical mail to my forwarding address as required by TN law, and instead issued an email claiming a balance of {$6200.00}. A junk fee explicitly labeled " debt collection income '' in the amount of {$4100.00} was then added to make the balance owed {$11000.00} on my credit reports. When I contacted the agency via email to dispute this fraudulent fee and explicitly demanded they cease and desist communication, the representative ignored my legal directive and emailed me again to argue. They are reporting inaccurate credit data, attempting to collect unauthorized fees, and ignoring federal cease-and-desist laws. I demand total deletion of this account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: U.S. BANCORP
State: MS

Complaint narrative:
I applied to Assume the Mortgage on a property in XXXX of XXXX. It is now XXXX and the process is still pending. The bank has pulled my credit, required bank statements from every bank I do business with and required me to submit pay stubs, W-2 's, current mortgage statement, current mortgage taxes and insurance, etc. They've even asked me about my water bill and church tithes. They have drug their feet with this process so long and are now requesting a second credit report, not because I've done anything wrong, but because they have. I am on the verge of being a XXXX XXXX if they do not get this assumption completed very soon. This delay has caused unnecessary stress and uncertainty for both myself and the seller.

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 2026-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
XXXX XXXX of the Delinquent Recovery Associates called in, and then came in person to the XXXX XXXX XXXX, my place of work, on XX/XX/year> after the debt ( {$600.00} ) had been cleared with the hospital in what can only be an attempt to embarrass or humiliate me for an honest mistake I had already taken care of and paid in full as instructed by the hospital itself. Admittedly this is my first experience with debt collection, but never before have I been exposed to the level of unprofessionalism and harassment by someone who claims to run a " business ''. I was not present at the time of his attempted harassment due to crippling pain that forced me to leave work early, and XXXX XXXX refused to explain his presence to the front desk and instead left his number ( XXXX ) XXXX in what I can only assume is an attempt to get me to pay additional " fees '' or simply double charge me for the already submitted payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing a formal complaint against my credit card issuer for failing to conduct a reasonable investigation under the Fair Credit Billing Act. I returned a rental vehicle to a secure, gated XXXX XXXX on XX/XX/year>. The rental started on XX/XX/year>. Because no attendant was present, when I returned the car on XX/XX/year>, I followed standard return procedures and left the keys inside the vehicle within their secured perimeter. I have timestamped photographic evidence of the car entering the garage between XXXX and XXXX XXXX on XXXX XXXX. The merchant failed to scan the car back into inventory, allowed it to be taken from their lot, was in a hit and run crash on XX/XX/year> and later retrieved it from a tow yard following a hit-and-run accident. I was charged for having the car through XX/XX/year> and they currently have a XXXX bill on me for the accident damages. The merchant has charged my card for a 28 day rental period when I only had the car for 15 days. The bank is blindly accepting the merchant 's automated billing claims while ignoring my immutable photographic proof and my active police report for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MIDFIRST BANK
State: OK

Complaint narrative:
I am filing a formal complaint regarding MidFirst Banks handling of my accounts, including improper account closure procedures, post-closure fees, unauthorized removal of funds, and potential retaliatory actions. I previously filed a banking complaint regarding issues with my account. Shortly after that complaint, on XX/XX/year>, I received written notice from MidFirst Bank stating that they were exercising their right to close all of my accounts pursuant to their account agreement. I was informed that my accounts would be closed and that I would no longer have access. After the stated closure date of XX/XX/year>, the following actions occurred : A {$5.00} statement fee was charged to an account that had already been closed. An overdraft was generated on that same closed account. I received a statement dated XX/XX/year>, for an account that should have been inactive. My active account balance of {$420.00} was reduced to {$0.00}, with a notation stating : debit to XXXX to close account I did not authorize any transfer, offset, or debit of these funds. Customer service was unable to provide an explanation and directed me back to the branch. The timing of the account closure immediately following my prior complaint raises concerns of potential retaliation. The bank continued to assess fees after account closure, which is improper. The bank generated an overdraft on a closed account, indicating possible internal processing errors or mishandling. Funds were removed from my active account without clear authorization or explanation. I was denied access to my funds without transparency or proper justification. The bank cited Paragraph XXXX of the account agreement as justification for closing my accounts. While I understand a banks right to close accounts, that provision does not authorize : Post-closure fee assessment Creation of overdrafts after closure Unauthorized removal of funds Improper handling of customer funds

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 2026-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Formal Complaint Statement Consumer : XXXX XXXX XXXX Wells Fargo Account Number : Ending in XXXX Subject : Failure to Conduct a Reasonable Investigation & Inaccurate Credit Reporting Due to Internal Bank Processing Errors I. Summary of Complaint I am filing this formal complaint against Wells Fargo Bank , N.A . for blatant violations of the Fair Credit Reporting Act ( FCRA ). Wells Fargo is inaccurately reporting six ( 6 ) late payments on my now closed, paid-in-full Home Equity Line of Credit ( Account ending in XXXX ). Despite receiving direct, irrefutable documentary evidence proving that these payments were authorized and initiated prior to their respective due dates, Wells Fargo has refused to correct my credit file. The bank is penalizing my credit profile for its own internal ACH drafting delays. II. Factual Background & Good Faith History I maintained this HELOC account with Wells Fargo for over 15 years. Out of approximately 180 total payments made during the lifespan of this account, Wells Fargo accurately recorded 174 of them as on time. The six payments currently in dispute are clustered in specific timeframes ( late XXXX and XXXX ). This clustering is highly indicative of temporary systemic processing errors on Wells Fargos end, rather than a sudden change in my payment behavior.

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 2026-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BROKER SOLUTIONS, INC.
State: PA

Complaint narrative:
New American Funding is preventing and delaying the sell of my house. The account is in foreclosure status. There has not been a date, as of yet, scheduled for a sheriff sale .I requested a payoff quote to prepare for the closing on my house On XX/XX/year>, New American Funding sent me a payoff quote of {$100000.00}. The amount was high. I called New American Funding and spoke to a representative on XX/XX/year>. The representative couldn't explain the approximate {$4000.00} difference. I tried to explain that I noticed that I was being charged twice for an escrow account over-withdrawal. The representative couldn't explain any of it and didn't even want to look into it. I then escalated the issue with a manger and waited the XXXX hours for a call back. The manager XXXX called me. I literally went over everything with him. He couldn't explain it and told me there was nothing that he could do. I know that the companies calls are recorded. You should listen to the recordings and you will hear everything. He denied that the amount was incorrect and ended the call. XX/XX/year>, I received a payoff " requote '' showed the payoff amount at {$100000.00}. This is exactly what I was saying about the prior amount being off by approximately {$4000.00}. XX/XX/year> I received an additional payoff " requote. '' This amount was also different. The title company requested a payoff quote. They received XXXX completely different amounts. They never have come across this issue with receiving multiple different payoff amounts. I'm not going to lie. I work at a bank and deal with business loans and I wouldn't have a job if I gave someone an incorrect payoff quote let alone multiple different ones. This is my house that I could possibly lose. My life is in New American Funding 's hands. I'm supposed to close on my house in 4 days. This is causing me to possibly have to terminate the contract. I have contacted New American Funding multiple times. I have had to take time off of work to spend hours and hours trying to figure out this problem. It needs to be solved. This is a risk to your bank and a violation in banking ethics. That same day, the title company requested a payoff quote. They were given a completely different amount. This is my life

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP
State: VA

Complaint narrative:
I am filing this complaint because Capital Management Services has failed to provide legally required debt validation documentation regarding an alleged debt of {$430.00}. On XX/XX/year>, I made an initial payment and agreed to a payment plan ; however, during the phone call, I repeatedly requested formal validation of the debt and a written notice, which the representative refused to provide or email to me. Despite my explicit requests for this information, it has been over a week since I first inquired, and I have received no documentation via mail or email confirming the debt, the original creditor, or the terms of the payment plan. I am concerned that I am being pressured to make payments on a debt that has not been properly validated as required by the Fair Debt Collection Practices Act ( FDCPA ). I have since ceased all payments until the company provides the mandatory validation notice and written proof of the debt.

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 2026-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX, XX/XX/year>, I made a claim with Wells Fargo over the phone to dispute a charge on my account as suspected fraud. Rather than placing a narrow restraint strictly on the disputed transaction and reissuing me a new debit card, Wells Fargo turned off my card and their automated system initiated an overbroad lock on my online account. This action completely withheld approximately {$700.00} of my remaining legitimate non-fraudulent funds. During my repeated attempts to resolve this crisis over the holiday weekend, different agents gave me conflicting information, two agents told me only my online mobile banking access was disabled and another claimed my entire bank account itself was disabled. Whether due to systemic training failures or system errors, these contradictions had the effect of confusing me about the status of my funds. In reality, because Wells Fargo had also deactivated my debit card, and this was on a weekend after the banks were closed, I was left with a 100 % loss of use of my liquid capital either way. Furthermore, when I attempted to connect to the Fraud Department queue for the second or third, perhaps fourth time that day after not being satisfied with a resolution, the automated system actively blocked and declined my incoming call, playing a message stating, We can not continue processing your call, please hang up. I stopped attempting further calls that day due to this barrier. On XXXX XX/XX/year>, when I called again and was transferred to the Fraud Department queue, I was met with the same automated blocking message for a second time. It was only after I called again and voiced my concern stating, you need to tell them that they can not block my calls like this, you are holding my money, somebody needs to talk to me and answer my questions that I was then able to get through to the Fraud Department and have my access restored. When I spoke to the agent, they confirmed to me that sometimes a certain transaction or filing a fraud claim triggers an automated algorithm that systematically disables user access. Operating a 24/7 automated freezing algorithm without a corresponding human resolution pathway over a holiday weekend is an explicitly unfair practice.

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 2026-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: HI

Complaint narrative:
I am writing to confirm and follow up on our pay-for-delete agreement regarding the account listed under my name. As agreed, I have fulfilled my payment obligation. This payment was made with the understanding that, in return, your agency would request the removal of this collection account from all three major credit reporting agencies ( XXXX XXXX XXXX XXXX ). Not holding up your end of the deal is in violation of XXXX XXXX. XXXX. identifying inaccurate, incomplete, or outdated information on my credit report, gives me the right to notify the credit reporting agency and request a reinvestigation and update or delete any information found to be inaccurate.

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 2026-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XXXX, I answered my phone to what I thought was Bank of America. It turned out to be a scam. The people had me open a home equity and send the money to my knowledge. It was the bank trying to help me. I didnt realize that it was a scam and so when I file the complaint with the bank, they closed my accounts and told me that they would review upon reviewing. I guess there was nothing they could do as far as my home equity so they let me know that I had to pay that back, which I am an elder adult and I just dont have the income coming in to be able to add another bill. Im in the process of trying to get a lawyer and I dont know what steps to take. Do I need to make a police report? Do I need to ask the bank for everything they have what what is my next steps? Why couldnt the bank help me after Ive been with them for over 50 years?

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 2026-07-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
Dear Office of the President, I am writing to formally log a complaint regarding my closed Netspend account. My account was closed XXXX months ago, and my remaining balance has still not been released to me. XXXX XXXX standard policy, a check for the remaining funds should have been issued and mailed within XXXX business days. It has now been XXXX months, which is a severe violation of that timeline. Account Details : Full Name on Account : XXXX XXXX XXXX Phone Number Linked to Account : XXXX Email Linked to Account : XXXX XXXX XXXX Current Mailing Address : XXXX XXXX XXXX XXXX XXXX Please review this matter immediately, confirm the total remaining balance on my account, and provide the tracking information or issuance date for my refund check. If this issue is not resolved promptly, I will be forced to escalate this matter further by maintaining my official complaint with the Consumer Financial Protection Bureau ( CFPB ). Thank you for your immediate attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX 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 2026-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Write a letter explaining that I had a XXXX credit card, and they sold the card to Citi Bank, but I was not notified. I do not have a physical copy of the card. I do not know the account number, and they are reporting late payments to my credit score. I don't agree with the late payments because I don't have any information about this account, and I am unable to make payments without having to sit on the phone and deal with foreigners, period. I still to this day do not have a statement, a physical card, a virtual card, nor do I have access to this account in any way, but they're making late payments on my credit report.

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