vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
b'I am writing to file a formal complaint against XXXX XXXX for violations of the Fair Credit Reporting Act (FCRA), 15 U.S.C. 611.\nI have submitted multiple written disputes via certified mail regarding a charge-off account reported on my credit file:\n\tCreditor/Account: XXXX XXXX XXXX XXXXtReported by: XXXX XXXX\n\tDate(s) of Dispute Letters: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n\tCertified Mail Tracking Numbers:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn response to my disputes, XXXX XXXX indicated the account was "verified" but provided ZERO documentation showing how the investigation was conducted. I subsequently submitted a formal Method of Verification demand letter pursuant to FCRA 611(a)(7), requesting:\n\tThe name and contact information of persons contacted during investigation;\n\tCopies of documents reviewed;\n\tThe date(s) the investigation was conducted.\n\nAs of the date of this complaint, XXXX XXXX has failed to provide any of the requested information and continues to report the disputed account as "verified." This constitutes a failure to conduct a reasonable investigation as required by FCRA 611 and a violation of my rights as a consumer.\nI am requesting that the CFPB investigate this matter and compel XXXX XXXX to either provide full documentation of their investigation or immediately delete the disputed account from my credit report.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I was informed by the IRS on XX/XX/XXXX that they did not receive the {$28000.00} check I sent in XXXX, XXXX. I discovered on my Charles Schwab website that the check was washed - made out to XXXX XXXX and negligently cased by Charles Schwab. I immediately informed Schwab on XX/XX/XXXX and filed a report with the XXXX, CA police department and the XXXX XXXX. Since then, I have called Schwab at least 2-3 times a week. I have not received any communication from the fraud Department. I have not been reimbursed for my {$28000.00}. Charles Schwab has been negligent and totally unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac, using the recalculation of escrow as a strategy to explode mortgage without using the data it actually has, and creates a new mortgage payment that is higher when it is not needed. For XXXX it took a refund and did not mail it to me, or apply it to my principle, and did the exact opposite it predicted a new mortage not based off of the existing insurance policy, just some arbitrary number, and not of the taxes it paid in the past balooning my payment by 23 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
XXXX \ [ Your Full Name ] [ Your Full Address ] [ City, State ZIP Code ] [ Email Address ] [ Phone Number ] Date : [ Insert Today 's Date ] To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Subject : Formal Debt Validation and Cease Reporting Demand - FCRA XXXX, XXXX ( a ) ( XXXX ), XXXX XXXX ; FDCPA XXXX ( b ) - Account No. [ Insert Account Number or Reference Number ] To Whom It May Concern, This letter is a formal and lawful demand for full validation and immediate investigation o the account alleged to be associated with my name and credit file under the name of XXXX XXXX XXXX, managed or serviced by XXXX XXXX XXXX. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. CXX/XX/XXXXe XXXX ( b ), and the Fair Credit Reporting Act ( FRA ), 15 U.S. CXX/XX/XXXXe XXXX, XXXX, XXXX, and XXXX. Be advised that I am fully aware of my legal rights as a consumer. I am challenging both the legal ownership of this alleged debt and the accuracy of the information being reported to the consumer reporting agencies. I do not acknowledge or accept liability for this debt and hereby request that you immediately cease all collection activities and remove any negative information furnished to XX/XX/XXXX, and XX/XX/XXXXuntil proper and complete valida has been provided and all disputes resolved. You are required by federal law to provide the following documentation and information for the account referenced above : XXXX. A copy of the original signed contract or application bearing my signature, establishing a legally binding obligation between myself and the original creditor ; XXXX. The full chain of title and assignment history, including a copy of the bill of sale or transfer agreements ) that clearly outline the assignment from the original creditor to XXXX XXXX XXXX. ThisXX/XX/XXXX Find Similarsgnment and the amount paid for the account ; XXXX. An itemized account history and full breakdown of all transactions, charges, fees and interest applied from the alleged date of default through to the current claimed balance ;

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Coinbase, Inc.
State: TX

Complaint narrative:
My credit card was detached from my coinbase acct and that is how you have to pay. I have spent several hours and multiple calls to coinbase and the number on the credit report but no one can tell me how to pay the balance and they are dinging my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One regarding an improperly handled credit card dispute that resulted in me being held responsible for a charge despite clear evidence supporting my claim. Account : Capital One XXXX XXXX Card Merchant : XXXX XXXX Transaction Amount : {$62.00} Transaction Date : XX/XX/year> Case Number : XXXX I disputed this transaction because the merchandise I received was not as described and/or not functioning properly. I made multiple good-faith attempts to resolve the issue directly with the merchant, including providing photo evidence and requesting a refund. The merchant initially indicated that a refund would be processed. However, I later received written communication from the merchant stating that they were unable to process the refund specifically because the dispute was already open and that they would need to wait for the bank to complete its review. This is critical evidence that : 1. The merchant acknowledged the issue. 2. A refund was intended. 3. The dispute process itself prevented resolution. Despite this, Capital One closed the dispute and determined that I am responsible for the charge, relying on the merchants claim that the goods were received as described. This decision fails to account for the merchants own written statement contradicting that position. Additionally, I submitted supporting documentation including : - Photos of the defective or incorrect merchandise - Email correspondence with the merchant - Evidence of multiple attempts to resolve the issue It appears that this evidence was either not properly reviewed or not given appropriate consideration during the investigation. Under the Fair Credit Billing Act ( FCBA ), I have the right to dispute charges for goods that are not as described, and the issuer is required to conduct a reasonable investigation. In this case, the investigation appears incomplete and one-sided, relying solely on the merchants initial response while disregarding contradictory evidence. I am requesting that : - This dispute be reopened and fully re-investigated- All submitted evidence be properly reviewed, including the merchants admission regarding the refund - The charge be permanently credited back to my account I am also requesting a detailed explanation of how Capital One evaluated the evidence and why the merchants contradictory statements were not considered. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I was deliberately targeted, manipulated, and defrauded by XXXX XXXX during a predatory HIGH PRESSURE sales presentation in XXXX XXXX in late 2024. Their sales representatives made multiple false verbal promises including guaranteed resort access, resale value, and the ability to generate rental income from points. Every single XXXX of these promises was a XX/XX/XXXX designed to coerce me into signing a contract on the spot. My credit was pulled without my full understanding as part of their coordinated scheme. I was given no real opportunity to review the contract, no meaningful explanation of terms, and was pressured into signing through deceptive and manipulative tactics that constitute fraud. Now Monterey Financial Services is attempting to illegally collect {$10000.00} on a debt that never should have existed. I have already sent a formal FDCPA debt validation letter to Monterey Financial via XXXX certified mail. XXXX XXXX has hundreds of consumer complaints documenting this exact predatory scheme. I am demanding a full federal investigation into both XXXX XXXX and Monterey Financial Services, and I am demanding the immediate removal of this fraudulent collection account from all of my credit reports. I will pursue every legal remedy available to me until this is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
problems with chase applying for credit card. How is my credit score....?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: HI

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT COMPLAINANT INFORMATION Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, HI XXXX Email : XXXX Phone : XXXX COMPANY COMPLAINED ABOUT Company Name : Credence Resource Management , LLC Company Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Phone : XXXX Business Type : Third-party Debt Collection Agency PRODUCT/SERVICE INVOLVED Product/Service : Debt Collection Issue Type : Debt Collection Violation / Credit Reporting Violation / Fraudulent Debt DETAILED DESCRIPTION OF THE PROBLEM I am filing this complaint to report severe violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by Credence Resource Management , LLC. VIOLATION # 1 : REPORTING DEBT WITHOUT PRIOR NOTICE ( Critical FDCPA Violation ) Credence Resource Management reported a debt collection account on my credit report WITHOUT providing me with any prior written notice of the alleged debt. Under 15 U.S.C. 1692g ( a ) of the FDCPA, debt collectors are required to send consumers written notice of the debt within 5 days of first contact. I have never received any communication from Credence before they reported this alleged debt to the credit bureaus. Timeline : The debt appears on my credit report, but I never received notice from Credence Resource Management prior to this reporting. VIOLATION # 2 : REPORTING POTENTIALLY FRAUDULENT DEBT The debt being reported is extremely old and disputed as fraudulent. I have no knowledge of owing this debt, and Credence has failed to provide proper validation. This appears to be either : 1. A debt that does not belong to me 2. A debt beyond the statute of limitations 3. A fraudulent claim VIOLATION # 3 : FAILURE TO VALIDATE DEBT ON REQUEST When I have requested validation of this debt, Credence has failed to provide adequate documentation or proof of ownership. Under the FDCPA, collectors must cease collection activity until the debt is validated. IMPACT ON MY CREDIT AND FINANCES This fraudulent reporting has negatively impacted my credit score and credit report. The account remains on my credit report, damaging my creditworthiness and ability to obtain loans, credit cards, or favorable interest rates. This reporting violates my consumer rights. DOCUMENTATION PROVIDED 1. Copy of credit report showing Credence Resource Management account ( if available ) 2. Debt Validation Letter sent to Credence Resource Management ( certified mail ) 3. Any communications or lack thereof from Credence Resource Management RELIEF REQUESTED 1. Immediate removal of this fraudulent account from my credit report 2. Investigation into Credence Resource Management 's debt collection practices 3. Cease all collection activity immediately 4. Compensation for damages caused by this fraudulent reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX XXXX ( XXXX XXXX ) for Loan No. XXXX. My account was current prior to payoff, and the loan was paid in full on XX/XX/year> as part of the sale of my property. The attached payoff wire confirmation shows the loan was satisfied in full and reflects {$0.00} in late payments at the time of payoff. Around the time of payoff and loan transition, the account was incorrectly reported as 180 days late. This resulted in a major derogatory mark and a significant negative impact on my credit profile. This reporting is inconsistent with the documented account history and payoff records. I have also previously communicated with XXXX XXXX regarding this issue and was advised that once the loan reflected Paid in Full, a request would be submitted to review and correct any inaccurate reporting. Despite this, the derogatory reporting remains. Additionally, I was informed by a representative that XXXX XXXX does not show reporting for the timeframe of XX/XX/year> through XX/XX/year>, which further calls into question the accuracy and verifiability of the reported delinquency. Given the above, this appears to be inaccurate and/or unverified reporting. I am requesting that XXXX XXXX : Conduct a full and proper investigation of this account Correct all inaccurate late payment or derogatory reporting Update all credit bureaus ( XXXX, XXXX, and XXXX ) accordingly Provide written confirmation once corrections have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was approved for a Wells Fargo XXXX Scholarship Emergency Fund grant administered by XXXX XXXX over XXXX days ago. Despite approval, the funds have not been disbursed, and repeated attempts to obtain a clear status update have failed. This delay is causing ongoing financial hardship, as this is an emergency assistance program intended for immediate relief. I have requested confirmation of whether the payment has been issued, including check details or processing status, but have not received a definitive answer. I am requesting immediate action to confirm the status of the approved funds and ensure prompt disbursement. I was approved XXXX XXXX since Ive contacting their organization everyday last month. Today, is XX/XX/XXXX, the amount is XXXX. The XXXX manager changed the approval to under review on XX/XX/XXXX, but I have evidence that its was approved upon request.

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 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Im including here is the contract of my modification I also have documents. They would not give me government documents, but they took pictures of my car and what was in it and this was before I was able to bring them to the key so it was obvious that they broke into it so all the pictures that they have of anything that is in my car was before I retrieve my belongings and after they stole my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Last year, I had my car stolen from a gas station while I was inside. You guys had mailed me two checks totaling around {$1500.00} from Huntington Bank, one for {$700.00} and the other for {$400.00}. Unfortunately, those checks were stolen. I took all the necessary steps to get my money back, including getting them notarized and sending them to Huntington Bank. Despite my efforts, Ive been waiting over a year now, and Ive spoken to Huntington Bank multiple times without any response. I just want my funds back, as Ive done everything I could to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have had a XXXX credit card for many yrs now it got to a point where I consolidated my debt with my personal bank so the balance on my XXXX went back to XXXX unfortunately I got into some legal problems so I used my credit card to give a large payment to an attorney XXXX XXXX XXXX however there was an unauthorized charge from another attorney XXXX XXXX XXXX which I disputed to have removed so my balance went up after that there was a brief period where I was not working so I skipped a payment on the card event I got caught up and froze the card so I would not make any purchases and only make payments to make the balance go down so for the last few months I been paying the minimum option of {$110.00} dollar thinking ok I'm paying on time I will bring the ball down I come to see my balance was not going down and even going up because these thieves are charging me interest on supposed purchases so I am furious I sit here pay {$110.00} a month and they turn right back around and charge me {$80.00} or {$90.00} on interest for my purchases. I'm like what effen purchase I froze my card and have made no purchases???? The lady on the phone said it's because they are letting me borrow the money I said this is not a loan and my available credit is XXXX I have used XXXX and Im trying to pay to bring my balance down and as soon as my payment is accepted you turn around and charge me interest on purchase what purchase if I froze my card????? It's insane I said you are double dipping and that is bull and she said that's how their bank operates I said if I go to a bank and I ask to borrow {$1000.00} my interest is XXXX amount and let 's say it's {$200.00} of interest but it's some time charge these people are literally trying to charge me interest every single month I said you're crazy and I am not borrowing anything from anyone my available credit is XXXX I used up XXXX that is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>. An account was opened in my name with Schools First Credit Union. XXXX sent me a message about my credit line, but I though it was my wife and her business so I did not check my XXXX report on my XXXX account. I believe my identity was stolen and this account was opened with a XXXX $ limit. The address of the person and the email that were used to open this account are not me. I spoke at length with Schools First Credit Union and XXXX, both of which told me to fill out a report here.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
On XXXX occasions I have made payments via XXXX. On both occasions USAA has reversed the transactions days after the processing completed. For both occasions there was enough capital in my account to cover the transaction. USAA is processing transactions in a predatory manner that has caused my account to become overdrawn on these XXXX occasions.

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 2026-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am requesting that PORTFOLIO RECOVERY ASSOCIATES , LLC removes this collection of all 3 credit bureaus XXXX, XXXX and XXXX, since the debt was paid in full. Paid them them the debt that was owed for a credit card company named XXXX XXXX XXXX.

Company response to consumer: Closed with explanation