vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX, NC, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Columbia Debt Recovery LLC Genesis ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, WA, XXXX ] RE : Dispute and Debt Validation Request Account # XXXX To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced account, which appears on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of this alleged debt. 

Please provide the following documentation to verify the legitimacy of this account and your authority to collect : XXXX. Original Contract or Agreement A copy of the original contract, application, or agreement bearing my signature that shows I agreed to the debt. 

XXXX. Proof of Legal Authority to Collect Documentation demonstrating that your organization has the legal right to collect this debt, including any assignment or transfer of ownership. 

XXXX. Chain of Custody If the debt was sold or transferred, please provide a complete chain of title showing all prior owners of the debt, including the purchase or assignment agreements. 

XXXX. Itemized Account Statement A detailed accounting of the debt, including the original balance, all payments, interest, fees, and any additional charges. 

Please note that under 15 U.S.C. 1692g ( b ), you must cease all collection activity until this debt has been properly validated. Additionally, under the Fair Credit Reporting Act, any information that can not be verified must be corrected or removed from my credit report. 

If you fail to provide the requested documentation within XXXX  days, I will consider this a failure to validate the debt. At that point, I will pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state regulatory agencies. 

This matter is significantly impacting my financial well-being, and I expect your prompt attention and compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Document received after XXXX  days of opening the original claim for a corrected payoff where buydown funds paid up front at closing were not applied to the account and at payoff the company requested an additional amount owed as an assistance balance to them for the payoff. I stated these funds paid at closing and provided documentation for proof. After XXXX full days, I receive this letter stating I was correct and will get the corrected payoff. Now the issue is that I called in same business day and another day shortly after asking when this would be completed. The story continually changes when calling a representative each day. On the XXXX and the next week when I call, I am told XXXX business days and representative confirms these dates to be XXXX XXXX. Then I call on the XXXX business day, XX/XX/XXXX ) to see if it was ready on day XXXX or XXXX and it is not. I then tell representative that must mean I am XXXX  % for sure getting it tomorrow since it the last day in time I was given and representative says there is no time frame listed or that he can provide me. I state there must be a timeframe, they can not legally take infinite time to respond to me and provide correct info but they also can not tell me any time frame. Worst company I have ever seen with a mortgage. I would XXXX out of XXXX ever recommend them to someone. Nothing good to say as this is not the XXXX  issue I have had with them and this payoff issue is approaching XXXX  months in total time since XXXX  complaint made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, I checked my account and noticed a withdrawal in the amount of {$1600.00}. I did not authorize this cause the check did not have my name on it. My account is now - {$1800.00} in the hole. I have rent coming up and other bills due that I need to pay now. I have been stressed and almost in tears cause I feel helpless at this point. Everything at this point is at the hands of Regions and all I can do is wait.

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 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KY

Complaint narrative:
There are XXXX issues that I would like to resolve. 
XXXX. I submitted a reconsideration request on XX/XX/XXXX for XXXX eligible months and have not yet received a response to my request despite asking for updates and submitting a complaint with the ombudsman. 

XXXX. I have federal loans for medical school. After graduating medical school I entered repayment. I returned to graduate school XXXX  years later and was placed into in school deferment. No additional loans were acquired for graduate school. 

When leaving graduate school, all of my loans ( XXXX ) should have reentered repayment in XX/XX/XXXX, however I have XXXX graduate plus loans which did not enter repayment until XX/XX/XXXX and the month of XXXX I am still listed as in school deferment for only these XXXX loans. I discussed this with FSA who stated the error was with Mohela and Mohela who stated the error is with FSA. I was on PAYE, an IBR payment plan and made a payment for the month of XX/XX/XXXX. The payment should have been allocated to all XXXX of my loans including the XXXX grad plus loans.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I made a {$300.00} deposit and {$100.00} withdrawal from a Wells Fargo ATM outside the California XXXX XXXX in the XXXX XXXX XXXX XXXX in XXXX XXXX, CA using my Wells Fargo debit cats linked to my checking account. In the middle of the {$100.00} withdrawal I was distracted and the cash window closed before I could grab the cash. I had to make a subsequent {$100.00} deposit and {$100.00} withdrawal to get the {$100.00} in XXXX 's I needed. I called Wells Fargo to explain what happened to get my {$100.00} back and they filed a claim, Claim # XXXX and said I would be notified within XXXX business days. I received a letter dated XX/XX/year> denying my claim. This is totally wrong, they have my money and I want it back!

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 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I am writing to formally dispute and demand a cease and desist regarding the reporting, collection, and communication related to a medical or merchant credit account that resulted from an involuntary ambulance transport following a motor vehicle accident. 

On the date of the accident, I explicitly refused medical treatment and transport. However, because law enforcement observed blood at the scene, I was compelled to enter an ambulance against my wishes, despite clearly stating that I was conscious, coherent, and not in need of emergency medical care. 

I did not consent to medical services, evaluation, or transport, and therefore I dispute the validity of any charges or medical debt arising from this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Sezzle Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, during checkout with an online merchant, Sezzle presented a promotional offer for {$50.00} off my purchase if I enrolled in Sezzle XXXX. Based on this offer, I signed up for Sezzle XXXX and my card was successfully charged for the subscription. 

The initial purchase attempt was declined due to a brief funding timing issue. I immediately transferred funds and completed the purchase shortly thereafter. However, when I retried the checkout, the {$50.00} promotional discount was no longer applied, despite my having already enrolled in and paid for Sezzle XXXX specifically because of that promotion. 

The promotion was the sole reason I enrolled in Sezzle XXXX, and the loss of the discount appears to have resulted from a system or checkout limitation outside of my control. 

I contacted Sezzle customer support multiple times to request that the {$50.00} promotional credit be applied manually or that the issue be escalated for review. Support declined to apply the credit, declined meaningful escalation, and relied on generic policy language without addressing the unfulfilled promotional offer or the fact that the subscription charge was triggered by that offer. 

I am requesting that Sezzle honor the advertised {$50.00} promotional credit, either by applying it to the transaction or issuing an equivalent account credit, as the promotional conditions were met and the failure to apply the discount was not due to consumer action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Resurgent acquisitions has been calling me multiple times a day and if I block their number, they call from a different number after I asked them to stop calling. They called after XXXX at XXXX as well. I have asked them to stop calling me but they called after from a different number with the last 4 digits changed and will not leave a message when they call, the first time they called they asked for my personal information to verify identity and I asked them to stop calling again. I am getting two-three calls a day right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: PNC Bank N.A.
State: IL

Complaint narrative:
CFPB COMPLAINT AUTO LOAN / WRONGFUL REPOSSESSION Company complained about PNC Bank Product Auto loan or lease Issue Vehicle repossessed Trouble with payments being applied correctly Managing the loan or payments Lack of information / failure to provide records ________________________________________ I am an Illinois consumer located in XXXX. On XX/XX/year>, PNC Bank repossessed my vehicle without any prior written notice, despite the fact that I never stopped making payments on my auto loan. 
My request for hardship assistance was denied, but I continued making independent partial payments, all of which were accepted by PNC Bank for three consecutive months prior to repossession. At no point did PNC provide a written notice of default, acceleration, or intent to repossess. 
Immediately after the repossession on XX/XX/year>, I contacted PNC Bank and formally requested : Proof of default A complete payment history and application of payments The exact date the account was declared in default The repossession authorization date Despite speaking with multiple PNC representatives on the same day, no one was able to provide this information. I spoke with : XXXX ( XXXX Department ) XXXX  ( XXXX  Department ) XXXX ( XXXX XXXX  Department ) I was then improperly transferred to the XXXX  Department, even though I do not have a mortgage with PNC Bank. No department could identify a default date, provide proof of default, or confirm repossession authorization. 
PNC Bank accepted partial payments for multiple months without clear warning that repossession would occur and now can not substantiate the alleged default. I believe this repossession may be wrongful, and PNC Banks refusal or inability to provide basic loan records raises serious concerns regarding payment misapplication, recordkeeping failures, and consumer protection violations. 
I have submitted a written dispute and demand for records to PNC Bank on the date of repossession and am filing this complaint due to the banks failure to provide required information and its actions resulting in harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My company issued and mailed a Wells Fargo check to Iowa XXXX in the amount of {$14000.00}. The check was intercepted, washed ( name on check now " XXXX XXXX '' ), and deposited at XXXX  XXXX XXXX at an ATM # XXXX here in XXXX. I have filed a claim with Wells Fargo ( # XXXX ). B of A states Wells Fargo could contact them and get the name of the account and time of deposit as requested by the XXXX Police Department. The XXXX Police department would take it from there. Wells Fargo will not get this information from B of A. B of A says they can not give me the information

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 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: IA

Complaint narrative:
b'I am receiving repeated calls and text messages from a debt collection operation identifying as JP Recoveries, attempting to collect a debt that does not belong to me.\n\nMy US mobile number XXXX XXXX  is a XXXX  number that was recycled and reassigned to me from a previous customer. The individual they are attempting to pursue appears to be named XXXX, who is unknown to me and has no connection whatsoever to me.\n\nWhen I attempt to contact JP Recoveries via their published phone number XXXX  the call is fully automated and ultimately routes directly to XXXX XXXX who then deny any knowledge of the debt or the collection activity. XXXX  has also confirmed they cannot locate my number in their database.\n\nJP Recoveries:\n\t\tHave no functioning email address to accept written disputes\n\t\tContinue to call and text despite this being a misassigned / reassigned number\n\t\tAre pursuing collection activity without any ability for the consumer to dispute in writing\n\t\tAre contacting the wrong party, which constitutes harassment\n\nI dispute any association with this alleged debt and formally state that I am not the debtor. A phone number alone does not establish liability, and JP Recoveries has no lawful basis to continue contacting me.\n\nI am requesting that:\n\t1.\tJP Recoveries immediately cease all contact with my number\n\t2.\tMy number be removed from all collection and dialling systems\n\t3.XXXX XXXX be instructed to stop routing or facilitating collection activity tied to this reassigned number\n\nThis complaint is submitted due to continued harassment, lack of a dispute channel, and improper collection practices related to a reassigned mobile number.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
On XX/XX/year>, I entered into a mortgage forbearance agreement with Rocket Mortgage for my home located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. The forbearance was active and in place. 

On or about XX/XX/year>, I was informed by Rocket Mortgage that I was no longer eligible for forbearance and that I must take a deferment instead. I relied on these representations at the time. 

I later learned that this information was false and that I remained eligible for forbearance under applicable mortgage servicing rules. XXXX XXXX  statements caused me to relinquish an existing loss-mitigation protection based on inaccurate information. 

Rocket Mortgage did not provide accurate disclosures regarding my continued eligibility, did not explain alternatives fairly, and did not document any lawful basis for declaring me ineligible. The representation that deferment was required appears to have been misleading and inconsistent with federal mortgage servicing regulations. 

As a result, I was steered into a less protective option under false pretenses, causing financial and procedural harm and undermining my ability to manage my mortgage appropriately. I am requesting regulatory review of XXXX XXXX  representations, internal decision-making, and compliance with federal servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We run a digital marketing agency. As a marketing agency we access countless XXXX business accounts and at the time was managing 20 accounts. Most of the accounts we manage usually have the customer card on it and it is billed to them. We do have some accounts where we complete build everything out for those authors and we are in charge of paying the first XXXX of the bill. This means yes we do business with XXXX, yes our cards have been used on different business accounts. 

The issue is that we had a new client that we launched their account and after running ads for a few weeks, the account got hacked. When a XXXX account is hacked, the name is change, the business details are changed, which means we are unable to access and in most cases support can not help us at XXXX. 

We didn't realize the account was hacked until doing the report the week we saw the charges. Since hacked they started running the account in portions of XXXX, in short time period. Started with a series of {$100.00} charges in a day, {$200.00} charges and went all the way up to {$800.00} range until we caught the pattern in our bank account. We could not access the account and as the owner of the business ran to the bank to get them to cancel the card. 

Truist deems it as business as usual but nothing in this behavior follow any pattern we've had on our accounts ever with every account we've had with trusit. Unless an XXXX ads account has a threshold of {$25.00}, there's rarely any reasons to be billed daily. This has never been a pattern. Next, we don't spend more than {$3000.00} per account. This was a situation where we were hacked and none of the transaction was authorized.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
on XXXX I sent my daughter XXXX through XXXX through my bank of america application as a XXXX present. The recipient my daughter has recieved money from me for over 5 years, in fact i succesefully sent her money this morning, however on the same day XXXX i got email stating the XXXX was held for review. I had spoken XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX states its a suspicious flagged transaction, and i was told to fill out info on XXXX. NO!!! Never have i ever sent money overseas nor been overseas myself. anyway, then was transferred to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX fraud dept, and he ENCOURAGED me to do that as it will " speed up the time ''. This was a XXXXXXXX XXXX XXXXXXXX to my daughter, now have to fill ofac wait months, fill out XXXX page forms..... I have sent money to my family through XXXX for over 10 years now, i want my money for my daughter. Been a customer of bank of america for XXXX years. Look at my XXXX  transaction history, mortgage checking savings 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 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Butler and Associates, PA
State: PA

Complaint narrative:
Debt letter dated XX/XX/year> - money had been paid on this debt on XX/XX/year> - account was being paid on. As of XX/XX/year> entire bill was paid in full. Debt amount was XXXX reference XXXX XXXXXXXX. Question : How can the debt be sent to debt collector and the amount owned then added to another debt for same individual, while showing the payment amount toward this debt being received and deducted from total amount. This is frustrating and seems wrong when money was being paid toward total debt amount. How is this legal?

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief