vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade CISS Holdings, LLC
State: OH

Complaint narrative:
I received a statement from Universal Credit Services in XXXX XXXXThis was a debt due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not billing correctly and not adjusting coordination of benefits and including " allowed amounts ''. I was mandated to pre pay at the time of service but then those funds were used for other outstanding debt on my account. However, due to the way the services were billed to my primary and secondary insurance and the insurance " allowed amount '' being adjusted I should not owe the said amount. Also neither of my insurances were aware of the other insurance and what had already been paid for the same service. I spoke with billing aXXXX XXXX XXXX XXXX several times and they refused to submit prior authorization requests. I requested to meet face to face with XXXX XXXX XXXX but they refused. XXXX XXXX XXXX informed me that I should submit the prior authorization but my insurance informed me that this is not correct and this must come from the providerXXXX XXXX XXXX XXXX didn't want to bill my secondary insurance. So the remaining amount of {$760.00} is not due as this is higher than the " allowed amounts '' by either insuranceXXXX XXXX XXXX XXXX refuses to write off the surplus over the " allowed amounts '' paid by my insurance companies. This problem has been since day 1 of my treatment at XXXX XXXX XXXXXXXX I have reached out several times and before procedures with no success. On XX/XX/XXXX I called Universal Credit Services ( UCS ) and was informed to email the dispute details to : contact.accessucs.com which I did the same day. On XX/XX/XXXX XXXX stated she was not aware of my secondary insurance. I called and left a vm 's but did not receive a call back. On XX/XX/XXXX I called and spoke with XXXX again at Universal and she stated that the email was not received even though I have receipt of the same. XXXX at Universal informed me that there is nothing that can be done and that amount of {$760.00} was due. XXXX XXXX XXXX XXXX XXXX XXXXXXXX did not adjust my insurance " allowed amounts '' for either insurance and that is what created the {$760.00} debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I requested a stop payment through Chime pay to someone I was under the assumption was taking my order for merchandise. It was fraud and I never got the goods or service.I then disputed the transaction connected to Chime pay to Email : XXXX on XXXX as XXXX XXXX, but the issue was not properly resolved or followed up on. I am requesting investigation, reimbursement if applicable, correction of any negative reporting, and documentation explaining why the stop payment/dispute procedures failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I dispute this debt and I am requesting full validation and documentation of the balance being claimed. Radius accounts : XXXX & XXXX XXXX account : XXXX XXXX account : XXXX XXXX Before treatment, I specifically stated that I did not want services that were not covered by insurance. I also dispute authorizing several of the charges being claimed. I need : Signed treatment and financial authorization forms that i signed to receive those services and documentation showing how the balance was calculated. At this time, I am not acknowledging the debt as valid until I review the documentation. Please send everything to me in writing.

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 2026-05-14 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XXXX I made a online purchase to XXXX for XXXX. What i received was not what I purchased and the merchant acknowledged that but would not refund without me leaving a good review and Navy Federal ruled in their favor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NY

Complaint narrative:
This issue has been gong on with Klarna for over 2 month. I did an installment for a purchase... i never received the merchandise and disputed the transaction after attempting to contact the merchant. I provided Klarna with all details I had for the merchant, the company denied that dispute because i could not provide additional info and because the merchant did not respond. I escalated the dispute, the denied it again. I have made numerous calls, the call agents have no clue. I sent an email stating until they resolve the issue, I was rescinding the auto pay authorization and would manually make the payments on the valid transactions, but not the disputed ones. I got an automatic receipt from the email, but the company kept withdrawing from my account. I called, and was told I could not stop the auto pay. I demanded they stop, followed it up in writing again, got the auto response, but they continued to charge. I contacted my bank, disputed the transactions and the bank was able to block the merchant. 2 months later, they continue to attempt withdrawals from my back, they are charging fees and have reported this to the credit bureaus severely impacting my credit. I need something done, and would also like to pursue this company legally. I would appreciate someone contacting me asap. I am a senior, and this has caused me severe personal and financial stress,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I was provided a response from my last complaint in regards to the {$60.00} that I didnt receive from Western Union stating : Reference number : XXXX Hi XXXX XXXX Thank you for reaching out. We appreciate your business and are truly sorry for the experience you had while using our services. Im one of the Executive Resolutions team experts at Western Union who is handling your claim from XX/XX/XXXX received through the Consumer Financial Protection Bureau where you mentioned that you opened a XXXX Money account with the intention of transferring funds sent to you via XXXX XXXX which failed and when you attempted to collect in person on the next day, you were told that the funds status was Paid so no cash was provided to you. Weve started reviewing the details of your claim, and Ill share the findings with you within the next 48 hours. ( on the reason for the account being closed, your XXXX account shows opened on XXXX and closed by XX/XX/XXXX, I know you wanted it closed but Im just researching what happened to provide an explanation to you, as soon as ready, I will contact you back to let you know ) I also know that you mentioned on your complaint that you would like the {$60.00} to be returned to your sender, however ; we have refunded you instead given the inconveniences experienced. Please go to any Western Union agent location with a valid ID and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect your {$60.00} At Western Union, we take every matter seriously to improve your experience with our services. If you have any questions or concerns, please email us at XXXX or call our corporate headquarters at ( XXXX ) XXXX ( international call charges may apply ), providing your reference number XXXX to connect with me directly. Thanks for being a valued Western Union customer. Sincerely, XXXX XXXX XXXX Resolutions Team This was not honored because when I got to Western Union location the system said that the refund of {$60.00} per Western Union was on hold. So the scamming and fraud activity is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I requested a stop payment through Wells Fargo before the transaction processed, but the payment was not stopped. The transactions date is XX/XX/year> for {$450.00} to XXXX. I then disputed the transaction connected to XXXX XXXX, but the issue was not properly resolved or followed up on. I am requesting investigation, reimbursement if applicable, correction of any negative reporting, and documentation explaining why the stop payment/dispute procedures failed.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: KY

Complaint narrative:
Ask for more information and ever received more information regarding amount of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has responded by claiming that I am not an authorized party regarding the fraudulent account reported under my own identity and credit profile. However, Capital One simultaneously mailed correspondence directly to me at my address regarding the account and referenced my CFPB complaint and account information. This response fails to address the substance of my dispute and appears to avoid answering the core issue : Capital One has still not provided any documentary or digital evidence demonstrating that I opened or authorized this account. No signed application, identification records, XXXX address information, device information, phone verification, or transaction-level evidence has been produced. If Capital One can not confidently authenticate me now as the alleged account holder, this raises serious concerns regarding how the original applicant was authenticated when the account was opened. Additionally, the collection agency XXXX XXXX XXXX has now returned the account back to Capital One, further indicating ongoing dispute and review activity. I am requesting that the CFPB require Capital One to address the merits of the identity theft dispute and provide actual evidence supporting the validity of the account rather than relying on procedural avoidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/year>, I deposited a check for {$42000.00}, which was a local inheritance check. The day of physical deposit, I was printed a deposit receipt showing that I would receive funds in XXXX increments : {$270.00} on XX/XX/year>, {$6400.00} on XX/XX/year>, and {$35000.00} on XX/XX/year>. The deposit was made at XXXX XXXX on XX/XX/year>. At XXXXXXXX XXXX. on the same day as deposit, I received notification, via email, that the entire amount of the check would be held until XX/XX/year>. On XX/XX/year>, around XXXX XXXX the funds were released. I started using these funds on this day, including getting a cashiers check from a local branch. At XXXX XXXX. I received another notification, via email, regarding a hold on this check. The funds had been pulled back out of my account and the notice stated that the funds would be held until XX/XX/year>, causing my account to be in the negative approx. {$17000.00}. One minute later, at XXXX XXXX., I received another email notice stating that the funds would be held until XX/XX/year>. All notifications state " We've place a hold on your deposit because we have information indicating the check ( s ) may be returned '', and " We've placed a hold on one or more checks to help verify funds. Review the availability information and hold reason for details ''. I called the bank and spoke with 4 different individuals, all of which told me there was nothing they could do, and would not give me a clear answer why the funds were pulled back. My account now sits {$23000.00} in the negative and no one will release the funds. I have called the bank that the check was drawn on, and the check has cleared.

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 2026-05-14 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: TX

Complaint narrative:
I am writing to dispute this collection account and request evidence confirming the validity of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
School Attendance History : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Note : I attended multiple institutions, but the portal form only allowed me to select one from the drop-down menu ). I hold XXXX XXXX XXXX currently managed and billed by Aidvantage. On the Aidvantage internal portal, a payment history is visible that dates back into my previous servicing era. However, this data has been completely detached from its origin : the internal portal lists no relation or connection to my previous servicer, XXXX, and I can not verify if the ledger is structurally complete. Furthermore, this data migration has caused severe system-wide reporting errors : 1. My master federal file via StudentAid.gov ( XXXX ) completely omits XXXX and states I have " no previous loan servicers. '' 2. My consumer credit reports list these active loans but mark all monthly history prior to XXXX with an " Unknown '' bullet point indicator. Because these are Federal Direct Loans, I am legally entitled to the One-Time IDR Account Adjustment. Aidvantages failure to properly transmit, map, and tag my XXXX XXXX tracking history to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) is an administrative breach of federal student loan servicing standards. This tracking error is actively blocking the calculation of my past years in repayment, artificially stalling my timeline, and preventing me from receiving the loan forgiveness I have legally earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
On XX/XX/2026 I submitted a written settlement offer via email to a Client Services Coordinator at Sunrise Credit Services regarding an XXXX XXXX XXXX collections account balance of {$200.00}. I proposed to settle the account with the condition of full deletion of the tradeline from all three credit bureaus. I received brief responses on XX/XX/XXXX and XX/XX/XXXX confirming my account information only. No substantive response to my settlement offer was ever provided. On the same email thread I formally requested that all future communication be handled by email only and asked that this be noted for their records. Despite this written request, Sunrise placed approximately XXXX phone calls to me after that request was documented in writing. I subsequently filed a formal dispute with XXXX on XX/XX/2026. The dispute has since been resolved. Sunrise has never responded to my settlement offer or provided any written verification of the debt as requested.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am filing this complaint because PNC Bank has failed to comply with Regulation E ( 12 CFR 1005.11 ) regarding error resolution and mandatory provisional credit. On XX/XX/year>, I notified PNC of a disputed transaction in the amount of {$300.00}. According to federal law, if a bank can not complete its investigation within XXXX business days, it must provide a provisional credit for the full amount while the investigation continues. When I requested this credit, PNC informed me they would not issue it, citing an internal 'investigation clause '. Internal bank policies and 'investigation clauses ' do not override federal consumer protection requirements under the Electronic Fund Transfer Act. I am requesting that the CFPB require PNC Bank to immediately issue the mandatory provisional credit to my account as required by law while they finalize their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i currently have only a credit card with Capitol One. On XX/XX/year> I received e mail congratulating me on opening a new 360 savings account. The email used was mine but the account was not in my name. I have received numerous e mail asking for funding and offering bank statement for XXXX. Each tim I called Capitol One fraud dept. to resolve this very concerning issue. They tell me not to worry and they are working on it. It is now 3 weeks since my initial contact and as of yesterday I am still receiving e mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
I placed an order on XX/XX/XXXX for the XXXX XXXX via the XXXX app for {$54.00}. When I received my order, it had parts that should have been discarded, and I was missing part of my order. I quickly reached out to XXXX the same day, and I was told theres nothing they could do. So, I then submitted a dispute with Way2Go and was provided with a credit on XX/XX/XXXX. However, on XX/XX/XXXX while they were still investigating, the credit was reversed resulting in my account being put in the negatives. I reached out regarding this issue and was told that XXXX had already provided me a solution. So, I checked my email for updates and found that on XX/XX/XXXX XXXX claimed to have tried to call me, and they added credits to the account that were automatically applied to membership fees and future orders instead of issuing me a refund without my knowledge or approval. I relayed this information back to Way2Go. I also, provided additional supporting documents including conversations had with XXXX where they admitted to their fault. I was told that the would do an appeal and I was given a due date of XX/XX/XXXX. Only for Way2Go to later tell me that its now been too long ( XXXX XXXX ) and the investigation has been closed.

Company response to consumer: Closed with explanation