vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
b'Wells Fargo continues to report a balance owed to credit reporting agencies and continues to send communications via mail and email claiming I have a an account with a balance owed, when this matter was fully settled in XXXX XXXX, in violation of the FCRA and FDCPA.\n\nI have sent multiple letters to Wells Fargo notifying them of their default and dishonor to the following address with the following XXXX  Certified mail Tracking numbers:\n\nWELLS FARGO CREDIT SERVICES\nPrivate and Confidential: XXXX XXXX XXXX XXXX XXXX XXXX SOUTH DAKOTA XXXXLetter 1 Reference#: XXXX  XXXX XXXX XXXX XXXX XXXXXXXXLetter 2 Reference#: XXXX XXXX XXXX XXXX XXXX XXXXLetter 3 Reference#: XXXX XXXX XXXX XXXX XXXX XXXXXXXXThe letters are attached to this complaint.'

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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
Collection agency calling my phone and looking for me by calling my work place I keep getting harassed with calls past XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of Data Breach and Identity Theft. Please, block and delete the account in my perfile within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2.

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 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I am the borrower on an FHA-insured mortgage. I am submitting this complaint regarding my servicers failure to properly administer FHA loss-mitigation and insurance-proceeds requirements.

Following property damage, my insurance carrier issued proceeds for required repairs. The servicer required the funds to be endorsed and placed into escrow but then unreasonably delayed releasing those funds, despite inspections showing repairs were substantially complete ( approximately XXXX  % ). 

Due to the servicers delay, I was forced to pay contractors out of pocket to continue required repairs. These delays directly impacted my ability to maintain timely payments. 

During this period, the servicer issued a Modification Offer Form ( MOF ) that expressly stated the missed payments would be paid or capitalized as part of the modification. I acted in good faith, continued repairs, and requested reinstatement/modification based on the servicers own terms. 

Despite this, the servicer : Continued to withhold insurance proceeds Failed to timely complete loss-mitigation review Maintained foreclosure posture while borrower-requested loss mitigation was pending The servicers actions contributed to the default and placed me in financial hardship that would not have otherwise occurred. I believe this conduct is inconsistent with FHA servicing requirements related to : Timely loss-mitigation processing Proper administration of insurance proceeds Avoidance of foreclosure where servicer delay caused borrower non-performance I respectfully request HUD review the servicers handling of my FHA loan XXXX insurance proceeds, and loss-mitigation obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan Chase Bank , N.A . is furnishing negative/inaccurate information to XXXX XXXX XXXX XXXX XXXX XXXX  about me. I disputed the accuracy of this reporting. 

XXXX XXXX XXXX responded in writing stating that they do not house, possess, or have access to account-level documentation for Chase and that any verification of the disputed information came from the furnisher ( Chase ). XXXX  advised me to contact Chase about how Chase verified the information to XXXX. 

I have requested that Chase provide documentation and the basis for its verification, including : 1 ) A description of the procedure used to verify the information furnished to XXXX XXXX XXXX, 2 ) The records relied upon to verify the accuracy and completeness of the information, 3 ) Copies of any account-level documentation bearing my signature or otherwise establishing a legal obligation, and 4 ) The name/title/contact information of the department or person who verified the information to EWS. 

To date, Chase has not provided the documentation or proof needed to support the information being furnished to XXXX XXXX XXXX. 

Furnishing and continuing to furnish information that can not be verified is improper. I am requesting that Chase stop furnishing this unverifiable information and instruct XXXX XXXX XXXX to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone hacked in to my Chase account on XX/XX/XXXX and submitted a wire transfer for {$2000.00} and a XXXX payment for {$1900.00} which I did not do. Chase fraud investigated the charges which they claim originated from my online account and determined that I was responsible for the fraudlent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In XX/XX/XXXX, a fraud/security hold was placed on my Health Savings Account ( HSA ) MyHSA Bank ( a division of Webster Bank , N.A. ) due to a data breach involving my former employer. I later contacted the bank, completed all requested verification, and authorized the hold to be lifted. 

I was subsequently provided a closing disclosure and was explicitly informed that my HSA account was closed on XX/XX/XXXX, and that a distribution check would be mailed to me. 

However, no funds were received. I contacted the company multiple times after XX/XX/XXXX to confirm the closure and distribution. During a call on XX/XX/XXXX, which lasted over XXXX hours, I was informed for the first time that : The fraud hold had never actually been removed The account was not closed, despite prior representations No distribution had been issued I had never been notified that the hold remained in place I was told that only the fraud department could remove the hold, that customers have no way to contact fraud directly, and that customer service could not resolve the issue themselves. A customer service representative stated that they initiated a request to fraud and told me that once fraud removed the hold, the account would be closed immediately and the funds issued. This did not occur during the call, and no timeline was provided. 

I was issued a case number and told that a supervisor would call me within XXXX minutes and that fraud would contact me the same day or the following day. Neither occurred. 

I then spent an additional XXXX minutes on a subsequent call attempting to escalate the issue. Escalation was initially resisted with statements that supervisors were busy and unavailable, and I had to repeatedly and assertively request a supervisor. 

As a result of these internal failures, my HSA funds were inaccessible for over XXXX  days after the account was represented as closed. The issue required an unreasonable amount of time, effort, and persistence on my part to obtain basic access to my own funds, despite having completed all required authorizations. 

This complaint concerns delayed access to funds, failure to follow authorized instructions, lack of communication, missed commitments, and lack of a reasonable escalation path, even after the company acknowledged internal error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2025, I disputed a XXXX late payment reported on my Bank of America personal credit card . The late payment occurred because automatic payments were enabled, but an undisclosed {$400.00} payment cap prevented the minimum payment from processing when the balance temporarily increased during the holiday period. Funds were available at all times, and I made payment immediately once I became aware. 

Following my dispute, Bank of America removed the XXXX late payment in XX/XX/2025, and my credit score increased significantly. Bank of America also reversed the associated late fees, indicating acknowledgment that the delinquency resulted from a payment processing issue rather than consumer neglect. 

Later in XX/XX/2025, Bank of America reinserted the same late payment into my credit report. I did not receive notice of reinsertion within five business days as required under the Fair Credit Reporting Act 611 ( a ) ( 5 ) ( B ). The reinsertion caused substantial credit score harm and directly affected my ability to access business and personal credit. 

Despite multiple disputes, Bank of America has not provided documentation certifying the accuracy of the reinsertion or explaining why the late was removed and later reinserted. I am requesting correction of the inaccurate reporting and compliance with reinsertion requirements under federal law.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IA

Complaint narrative:
SEQUIUM is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM 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 non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I've contacted the credit card company multiple times ( XX/XX/year> ) being the last date to request a reduction in the interest rate, which is currently at XXXX  % which is making the monthly payments difficult to manage. Each time they said there is nothing that can be done, unless the account is delinquent, which it is not. On XX/XX/year> I spent approx one hour on the phone, and asked to speak to a supervisor and was only placed on hold, only to be disconnected.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
This is not only a complaint but also a formal request for debt validation submitted to Jefferson Capital Systems through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that Jefferson Capital Systems receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : 1. ) The Date of First Delinquency ; 2. ) The date the account was charged off ; and 3. ) The date the account was acquired by or assigned to Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I am filing this complaint because Ally Bank denied my dispute for defective merchandise despite extensive documentation and good-faith efforts to resolve the issue with the merchant. I authorized the original charge, but the product arrived defective. The merchant ( XXXX  ) repeatedly promised a free replacement, provided timelines, and failed to ship the item or provide tracking. I delayed filing a dispute only because the seller asked me to wait and assured me the issue would be resolved. I submitted proof of purchase, photos of the defect, and the full email conversation showing false promises and poor communication. Despite this, Ally denied the dispute and advised me to contact the merchant, which I had already done repeatedly. I am requesting a fair review of this dispute based on the documented facts.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: FL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: PA

Complaint narrative:
I am receiving repeated phone calls from FirstSource Advantage , LLC regarding an unknown matter. I have not been informed whose account this is, what the debt is, or why my phone number is being contacted. 

They called my personal phone number five ( 5 ) times in XXXX and four ( 4 ) times in XXXX. They have left only two voicemails stating : Hi this is XXXX calling from FirstSource Advantage LLC, please contact me or any of our representatives at XXXX. 

The voicemails do not disclose that the caller is a debt collector or that the communication is for the purpose of collecting a debt, as required under 15 U.S.C. 1692e ( 11 ) of the Fair Debt Collection Practices Act. 

I only became aware that FirstSource Advantage , LLC is a debt collection company after independently researching the business name. No proper disclosure has been provided in any voicemail communication. 

I do not recognize any debt, I do not know who the debtor is, and my credit report reflects no accounts in collections. I have not consented to these calls and have no known connection to any account. 

I am requesting that FirstSource Advantage , LLC immediately cease contacting my phone number, remove it from their records, and that this conduct be reviewed for compliance with federal and state consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/year> I made two payments to pay the statement balance in full. The first payment was for {$9000.00} and the second for {$1600.00} and that total amount was the full amount of the statement, so I should not incur interest charges. For some reason, the {$9000.00} payment was held by the bank but they paid the {$1600.00}. Both the {$9000.00} and {$1600.00} showed as pending for a couple days. I then reached out to see what was going on and rectified ( paid the bill ) that day. I was told by AMEX they would not charge me interest. They did. I reached out to have them remove the charges, and they refused... even though we have chat history of the situation. I was charged an annual fee for this card in XXXX and asked them to refund that and change the account to a free tier vs canceling it becuase I have had the account for over XXXX years. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAND HOME FINANCIAL SERVICES
State: CA

Complaint narrative:
Background : My husband and I purchased our home through Land Home Financial Services , Inc. in XX/XX/XXXX. In XX/XX/XXXX, following my husband 's layoff from his architecture firm and significant financial hardship due to vacant rental properties, I submitted a financial hardship application. Our account was approved for loss mitigation on XX/XX/XXXX. 

Issues Requiring Immediate Resolution : 1. Contradictory Account Information : Despite receiving monthly statements showing outstanding balances, the online payment portal has been disabled with the notation " Currently Under Investigation : Loan Modification. '' This creates an impossible situation where we are being billed but can not make payments through the established channel. 

2. Unjustified Credit Reporting : On XX/XX/XXXX, both my husband and I received delinquent marks on our credit reports. This action appears to have been taken without clear communication, particularly given that our account is under active loss mitigation review. 

3. Conflicting Communication : When I spoke with your representative XXXX on XX/XX/XXXX, he stated we are financially obligated to continue making monthly payments during the review period. However, this directly contradicts the disabled payment portal and the " Loan Modification '' under investigation status. 

4. Lack of Clear Process : The loss mitigation process has been marked by unclear communication, contradictory information, and systematic barriers to maintaining our account in good standing.

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 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
XX/XX/year> called to ask how to pay mortgage now that forbearance was over. Website wouldnt let me. 

Was informed I had to pay back the missed payment from the forbearance in order to close forbearance and make normal mortgage payments. 

I found out later that deferral is typical for forebearance. However, I was told that I had to pay in order to resume mortgage payments. Its a financial strain, but I will be able to make the payment. 

I called back later the same day to ask about if the forbearance couldve been a deferred payment, and was told then that it couldve been an option, but they couldnt stop the payment request now. 

I do not think this is an adequate practice to help people keep their homes after periods of unemployment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: FL

Complaint narrative:
Last year I made a call to XXXX XXXX telling them my situation and how I got a notice the card will be charged off soon, They asked me a date I could pay we can to an agreement on a date, I was promised the account wouldnt be closed before then. A few days go by and I see in my account that it has been closed. I then called and explained what happened and a agent pretty much told me Im out of luck and theres nothing they can do, I asked is there a certain department to help me and they told me there is nothing that can be done. I would like them to review the two calls I have made to there company to see why I am saying is true and how I was mislead. This has hurt my credit tremendously and its not right that I have to pay the consequences after being told misleading information. Once I made that second call I didnt make another payment on the card until I got another job. I saw it as there was no reason since it had been charged off and I was told there was nothing can be done about it. The agent who also told me misleading information did not include any notes on the call I was told only two days of notes were included on my account, Call made on XX/XX/XXXX after I noticed account was closed and today XX/XX/XXXX. I had called previous to that XX/XX/XXXX date there should be a call log since agent decided not to leave notes.

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