vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
A collection agency ( MRS BPO ) is reporting a debt of approximately {$60.00} on my credit report for a XXXX XXXX Home Internet account. This debt is the result of incorrect billing information provided by XXXX own customer support representatives. Before switching internet providers, I contacted XXXX online chat support on multiple occasions occasions ( late last year ) to confirm when to stop my autopay to avoid being charged for a month I did not intend to use. Multiple representatives gave me the same guidance, which I followed. Despite this, XXXX charged my account approximately {$60.00} after I canceled service. When I contacted XXXX to request copies of the chat transcripts showing the incorrect guidance their representatives provided, XXXX told me I would need to file a subpoena to obtain records of my own customer support interactions. XXXX is refusing to produce evidence relevant to this dispute while allowing the erroneous charge to remain in collections and damage my credit. On XX/XX/year>, I called XXXX at XXXX at XXXXXXXX XXXX in a further attempt to resolve this matter. The call lasted 55 minutes. Representative XXXX ( Employee # XXXX ) repeatedly stated that the matter was not her department and not her concern. When I specifically asked to be transferred to the appropriate department within XXXX that could access the chat records, XXXX refused to transfer me internally. Instead, over my repeated objections and pleas to continue the conversation, she became hostile and forcibly transferred me to the outside collection agency while I was mid-sentence. When I asked whether I could obtain a transcript of the call we were currently on, XXXX told me to go get a lawyer and get a subpoena. XXXX is not only failing to address a billing error caused by its own staff, but is actively obstructing consumers who attempt to exercise their dispute rights by refusing internal transfers, telling customers to hire lawyers over a {$60.00} charge, and dumping them to collections. The debt was sold to a collection agency without adequate notice, and it has significantly damaged my credit score. I have disputed this debt with the collection agency, filed a complaint with the FCC, and filed disputes with all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I was planning a very last minute trip and booking a property rental for XXXX through XXXX and opted to use Affirm to pay for the rental over time. I had a rental chosen and picked a payment plan and when I went to finalize the deal a screen immediately came up saying this reservation is no longer valid. Trip protection is only available for active reservations. To which I took a screen shot of. I did not receive a confirmation code. As the rental was for the very next day I was in a hurry to confirm a booking and moved along to book a second rental as I believed the first not to be valid. I did all the same steps with the second rental and unfortunately I experienced the same thing I did with the first. So I tried again for the last, and most expensive rental. Picking Affirm again. Because it was the most expensive I needed to make a payment right then and they asked me to update my payment information. Once I did that and went to confirm my booking I finally got a confirmation code and knew I had gotten the rental. But just minutes after confirming the booking of this third rental I notice a note from the first rentals host welcoming me. Confused and frustrated I called XXXX immediately. This call did not really bring any comfort or help. The XXXX representative told me the third rental had been confirmed, and he did see that first rental there but told me it was not yet confirmed. These rentals all were a 5 hour drive from where I live and I was packing and rushing. I contacted the host of the first property as soon as I could but she then told me that my reservation with her had then been confirmed. I did not stay at her property though I would have liked to. I have had multiple long frustrating calls with XXXX and they will not drop this $ XXXX charge for a rental I did not stay in. Affirm knows all of this information but is not canceling the charges either. This is the problem Im having. I can not afford to pay for both properties and as of now am only making payments for the one I stayed at. I hope this was clear and you understand what Im going through. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: VT

Complaint narrative:
Heres a CFPB-tailored versionclear, structured, and aligned with how complaints are reviewed : -- - * * Subject : Complaint Against Ally Financial Improper Account Restriction and Denial of Access to Funds * * To the Consumer Financial Protection Bureau , I am submitting a formal complaint against Ally Financial regarding the improper restriction of my accounts and denial of access to my funds without adequate explanation or resolution. * * Account Background : * * On XX/XX/year>, I opened both a checking and savings account with Ally Financial and transferred funds from my XXXX XXXX XXXX account. The total balance currently being withheld is approximately {$1000.00}. * * Summary of Issue : * * I initiated two legitimate wire transfers to XXXX and, in both instances, proactively contacted Ally Financial to verify and confirm the transactions. I fully complied with all security procedures and accurately answered all authentication questions. * The first wire transfer required multiple phone calls, including one exceeding 90 minutes, and was not processed until approximately three days after initiation. * On XX/XX/year>, I initiated a second wire transfer, which again led to multiple calls and escalations to XXXX Fraud Department. * During this process, I was told I had failed security questions based on information that was not applicable to me. * Ultimately, I was informed that the transaction was being denied on the basis that it was considered potentially fraudulent, despite my repeated verification of its legitimacy. Shortly thereafter, I was locked out of my account entirely. Attempts to reset my password were blocked, and I was instructed to contact the Fraud Department. * * Current Status : * * As of today, Ally Financial has informed me that my account is under investigation, but has provided : * No clear explanation for the restriction * No timeline for resolution * No access to my funds * No option to reset my login credentials Despite spending over five hours communicating with various representatives and complying with all requests, I remain unable to access my funds. Ally Financial is currently restricting access to my deposited funds without providing sufficient justification, transparency, or a reasonable timeframe for resolution. This has caused significant inconvenience and concern regarding the security and accessibility of my money. I appreciate the CFPBs attention to this matter and request prompt review and assistance in resolving this issue. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a victim of a fraudulant of an unauthorized electronic " XXXX XXXX XXXX' transaction sent on XX/XX/year>XXXX and delivered to an unknown account labeled " XXXX XXXX XXXX XXXX '' in which Wells Fargo repeatedly denied my claim for reinbursement. Someone REMOTELY gained access to my personel computer and was able to get into my personel account at Wells Fargo Bank the proceeded to set up a fraudulent XXXX XXXX payee. I contacted Wells Fargo and gave them all the information electronic check number, last four digits to the XXXX XXXX XXXX XXXX account, date delivered and trace ID number.. I escalated it to the highest level only to be told " the disputed activity was made through an online banking session '' This investigation is unaceptable and to deny an elderly customer of 20 years to be treated in such a fashion and not reimbursed my {$4900.00}.

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 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I paid twice for one month. Asked for a check and they didnt send it to the right address and then when I ask to cancel the check and keep the money the denied me and wouldnt send me a new check then I called again someone finally canceled the check on XX/XX/XXXX and was told it should take maybe 3 or 5 business days and Ive calling almost weekly and they still havent canceled my check and applied the fund to the acc to pay for my vehicle this was all in XXXX and started the process in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC
State: SC

Complaint narrative:
This company has been calling me from multiple different numbers after being asked to stop, has ignored disputes on the account. Called my father on his phone number and discussed my debt, threatened to contact my employer. My credit report says it may be from XXXX, but have not had that service in over XXXX years. Unable to confirm what the debt is actually about. When attempting to contact company back, they do not answer or respond.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
I set up my mortgage payment to pay a bi-weekly amount of {$1500.00} every other Friday. Before I set it up, I paid a full extra payment to ensure that funds paid would be applied upon receipt. Guaranteed Rate waits 15-20 days to apply my {$1500.00}, typically once they've received a full {$3000.00}. By paying a full payment in advance there should be no reason to wait for them to apply funds thereby speeding up my payoff process, reducing my total interest paid. Typically, this allows a loan to be off 7-10 years earlier, they have told me that their program only pays off about 3-4 years early. These funds should be applied upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing this complaint regarding fraud, unauthorized transactions, and the mishandling of my credit card accounts ending in XXXX, XXXX, XXXX, well as checking account ending in XXXX bank card issued ending in XXXX Bank of America. In XX/XX/XXXX, my credit cards and phone were stolen and this was reported to law enforcement. Despite timely notification, Bank of America failed to secure my accounts and allowed fraudulent transactions to continue. Claim # XXXX was improperly denied based on statements that the chip was read, a PIN was entered, or a signature was obtained. These conclusions are incorrect, as I did not authorize any of these transactions and my cards were stolen at the time. Bank of America later issued conflicting determinations, including partial and temporary credits, which were not properly reconciled. As a result, my account balances remain inaccurate and funds are still missing. On XX/XX/XXXX, I contacted Bank of America and spoke with a fraud specialist. I provided the required verification code and was assured that the issue would be resolved and corrected. However, the following day, when my spouse and I visited a branch, we were informed that my account had been closed because it was claimed that I did not apply for the account. This statement is false and directly contradicts prior communications with Bank of America. Additionally : - Unauthorized account changes were made without my consent - Multiple address changes without my consent or knowledge -allowed personation and breach to continue after received documentation of account take over in XXXX due to loss of stolen phone and personal information. - A co-applicant was added without proper authorization - Account balances and credits remain inconsistent - Inaccurate information has been reported These actions demonstrate serious internal mismanagement, failure in fraud investigation procedures, and improper account handling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
applied for an auto refinance loan with Pentagon Federal Credit Union. During the application process, I provided my personal information, including my vehicle VIN, and I was initially told that everything looked good and that I was approved. After that, I received another call stating that after running my VIN, they determined the vehicle value required me to pay an {$800.00} down payment in order to proceed. This requirement was not disclosed upfront during the application process. I asked for clarification about why this payment was required, what it was for, and whether it was refundable. I was told the {$800.00} payment was not refundable, and I did not receive a clear or satisfactory explanation. This raised serious concerns for me because it is not typical to require an upfront, non-refundable payment for a refinance loan, especially after being told I was already approved. I declined to proceed due to these concerns. Additionally, I have received alerts indicating that my credit report has been accessed multiple times in connection with this matter, which is concerning to me. I want to ensure that my credit is not being checked repeatedly without proper authorization. I am filing this complaint because I believe the loan terms were not clearly disclosed and were changed after I was told I was approved. I am also requesting confirmation that any credit inquiries were only conducted with my authorization and that my personal information is being handled properly.

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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
My Father in law with my permission listed something on XXXX for sale. A man responded to him and asked " will you wrap them individually ''? He, and I, responded that no that was not possible. There was never another text or message until about 3 or 4 weeks ago when XXXX sent an Email to me that i owed them money because they sent someone's money back to them. I had no clue what they meant and for the last 3 or 4 weeks I have tried to no avail to get a human to talk to me about it. Then today, XX/XX/year>, I get a call from a collection agency. I am livid. I am a professional person and don't play these silly games with folks. I do NOT owe XXXX any money. The mere fact that you can not speak to a live person is very disturbing to me. I want this resolved. I do not owe it. I will advise folks to never have an XXXX account even if they never use it. They are not honest..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I had a checking account with Citibank and they decided to end the banking relationship with me. Upon the closure of my account, I haven't received my funds from the closed account in the amount of XXXX I've been trying to receive my money back from them since XXXX! They are holding my funds after they closed my account!!!

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Va XXXX XXXX Jefferson Capital XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request To Whom It May Concern, I am writing regarding the account referenced above. I recently received communication from your office concerning an alleged debt. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act. Please provide the following information : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including any fees, interest, or other charges. 3. Copies of any documentation showing that I agreed to this debt. 4. Proof that your company is authorized to collect this debt. 5. Verification that the debt is within the statute of limitations. Until this information is provided, I request that all collection activity cease. If this account has been reported to any credit reporting agency, please note that it is disputed. Please respond to this request in writing at the address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Just trying to clear my debt and to rebuild my credit scores. They wont give me a payment plan that benefits me so here iam. This been going on for about 5 years and I dont know what to do but I just want to clear everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: AL

Complaint narrative:
My father died. Netspend will not release the remainder of his account funds to me. I have provided them with all of the documents that they requested but they keep lying to me about getting the money. This has been going on for 3 months. The representatives keep hanging up the phone on me. They will not allow me to speak to a supervisor. All of the representatives XXXX XXXX and barely speak XXXX. I have sent emails and called Netspend numerous times. The federal government should not allow people to deposit money into a Netspend account Please help

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I am formally disputing this alleged debt in full and requesting validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I do not acknowledge this debt this is my first time hearing about a debt supposedly belongs to me from this company and I request the following information : 1. Full original creditor documentation ( XXXX, XXXX ) 2. Complete account history and itemized charges 3. Copy of the original signed agreement or contract showing liability 4. Proof this debt belongs to me specifically ( identity verification and chain of ownership ) 5. Date of alleged account creation and last activity 6. Full authorization showing MRS BPO LLC is legally permitted to collect this debt 7. All documents verifying the accuracy and legal standing of this debt Documents provided showing this debt was mailed to my physical home address as an attempt to collect a debt. Until proper validation is provided, you must cease all collection activity and refrain from reporting this account to any credit reporting agency. The phone number provided doesnt belong to me never has, this account does not belong to me. If this debt can not be fully validated, it must be removed and considered void. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services is reporting a collection account, Account XXXX, on my XXXX XXXX, and XXXX credit reports for {$72.00}, listed as originating from XXXX XXXX XXXX. Credit Collection Services has not validated Account XXXX. I have not received documentation of the original obligation to XXXX, documentation establishing Credit Collection Services ' legal right to collect this debt, or an itemized breakdown of the {$72.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation