vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am filing this complaint because several collection accounts continue to be reported on my consumer credit reports. I dispute the accuracy and completeness of these accounts and have concerns that they are being reported without sufficient verification. I request that each collection agency provide competent evidence that I have a legal obligation to pay the alleged debt, including the original signed agreement, a complete itemized accounting of the balance, proof of assignment or ownership of the debt, and documentation establishing their legal authority to collect and report the account. If the collection agencies or furnishers can not provide this documentation, I request that these accounts be deleted from my credit reports in accordance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I also request that all credit reporting agencies update my credit files to accurately reflect the results of the investigation.

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 2026-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: NJ

Complaint narrative:
COMPLAINT SUMMARY : PROOF OF MISAPPLIED XXXX XXXX XXXX XXXX XXXX XXXX I'm filing this complaint against LoanCare , LLC for violating RESPA servicing transfer rules, misapplying my payments, violating the Fair Credit Reporting Act ( FCRA ), and trapping my account in an artificial " rolling delinquency '' status for nearly a full year. My mortgage service transferred from XXXX to LoanCare in the spring of XXXX. My final payment to XXXX was in XXXX XXXX single month since XX/XX/XXXX, I have made my monthly mortgage payments directly to LoanCare. Currently, LoanCare claims my account is XXXX months delinquent and that my XX/XX/XXXX payment is only covering XX/XX/XXXX. This status is completely false. My XXXX XXXX bank records prove that I made XXXX full mortgage payments directly to LoanCare on XX/XX/XXXX, and XX/XX/XXXX ( totaling {$5100.00}, which was my monthly payment amount of {$2500.00} at that time ). These XXXX separate payments made in XX/XX/XXXX were explicitly intended to account for the transfer transition gap. Because of this fraudulent error, LoanCare failed to properly credit or split those XXXX separate XX/XX/XXXX payments. Because LoanCare 's system did not log the double payment correctly, every subsequent on-time payment I have made over the past year has been systematically pushed backward by XXXX month. Therefore, I'm being charged unfair monthly late fees despite paying faithfully every single month. Furthermore, LoanCares tracking error is actively preventing me from recasting my mortgage loan. In addition to the illegal fees, LoanCare 's accounting error has severely damaged my credit report and XXXX XXXX. LoanCare has been reporting false late payments to the major credit bureaus ( XXXX XXXX XXXX XXXX ) for nearly a full year. Because these late payments are entirely the result of LoanCare 's misapplied XX/XX/XXXX funds, this credit reporting is an active FCRA violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
I have disputed this again with another collection agency. I have never lived in XXXX Ohio. I have always live in XXXX XXXX. This is not my debt, I want it removed from my credit report.

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 2026-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Back in XX/XX/2025 I received my husbands irs tax refund to my bank I had already been receiving his work direct deposits to my bank before. When I proceeded to take the money out of my account on a Friday the branch proceeded to state that my account was under review I wasnt able to get my funds and will notify me with an answer on Monday. I called the Citibank customer service number and was transferred to a fraud department to where they notified me that my account was closed. I explained to them that I had funds in that account and they explained I wasnt able to receive my funds until a thorough investigation is done. Fast forward to Monday I went in another branch to where they explained the irs had inquired them to shut my account down and send back my husbands tax refund back to the irs and I would have to speak with the irs to receive the funds back from them. I went ahead and sat with an irs representative with my husband to where they explained they never told the bank to close the account and on their end it shows they sent the money to my bank no issues on their end. I called the bank that next moment to tell them that the irs is demanding for them to send me my money in a check to where a rude supervisor was speaking to me as if I were a child that they needed the irs to call them to release the funds. I spoke to the irs and they explained they werent going to call the bank and to wait 30 days from a response from the IRS. I still dont have my money and its been 3 years already.

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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Stored many my money to many accounts they blocking accounts services

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 2026-07-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX is the cardholder. I've spoken to customer service several times and have informed them of this to no avail. I was only allowed access to one statement that was cut down to show 5 partial transactions. When enlarged instantly blurred the content, making it no longer legible.

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 2026-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
XXXX was paid torward personal loan of XXXX on XX/XX/XXXX. I reached out after the payment was made to make sure they applied the payment towards principal. DCU was contacted after the fact and I was told I did not do it the proper way. But they still ended up taking my automatic double installment at the end of XXXX even tho the due date was pushed because the of the XXXX was placed towards installments with interest

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 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
b'I have tried calling multiple phone numbers and emailed the company multiple times in an attempt to close my credit card account. Every representative I speak with tells me "I cannot assist you with closing your account, you will have to call a different number", but they do not know the number I need to call. I will not continue to pay monthly and annual fees on a card that I do not use and have been trying to close for months. \nPhone numbers I have tried:XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have a {$500.00} dollar secured credit card with USAA and I cant purchase anything online because it will decline automatically. Having more than enough credit available when making the purchase.

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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing an official complaint against Wells Fargo regarding a catastrophic processing failure involving their XXXX XXXX XXXX ' feature, as explicitly documented in the attached files image.png and XXXX. To clarify the timeline, the funds were moved from my checking to my savings account only after Wells Fargo 's system explicitly released my first paycheck and displayed it as fully available. I was simply moving my own cleared payroll. However, Wells Fargo 's backend system suffered a settlement lag, treated my valid internal transfer as an overdraft, and generated a phantom negative balance of - {$2700.00}. As shown on the official ledger in image.png, when my next paycheck of + {$3000.00} posted on XX/XX/year>, the automated system immediately seized {$2700.00} of my liveable income to cover its own technical glitch, leaving me with a balance of just {$280.00}. Frontline representatives and phone supervisors refuse to issue a provisional credit, falsely claiming the ledger is correct and stating an internal review will take XXXX to XXXX days.

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 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Filing Note : This complaint concerns only the XX/XX/year> letter as new conduct. Do not restate the underlying billing dispute. This complaint concerns a single new event : Wells Fargos letter of XX/XX/year>, from its XXXX Complaints Management Office ( ECMO ), responding to CFPB Case No. XXXX. It does not re-submit any prior dispute. 1. The response was generated from a template that predates the complaint. The letter bears production code XXXX, carrying a XX/XX/year> date twenty days before the XX/XX/year> complaint it answers. Wells Fargo responded to a consumer complaint using a response instrument created before the complaint existed. 2. The response contains no investigation. The letter states ECMO is required to initiate and complete research into concerns we receive, yet identifies no records reviewed, no dates, no amounts, no analysis, and no findings. It references a consistent explanation without stating what that explanation is. 3. The response forecloses all future investigation. The letter declares Wells Fargos position final, states additional submissions will not result in a different outcome, and closes the case a written, standing refusal to perform the complaint-investigation function Wells Fargo itself describes as required, copied to the CFPB. 4. This matches a documented pattern. I hold Wells Fargo response letters across multiple unrelated XXXX complaints containing verbatim identical language and shared template codes, consistent with automated response generation rather than individualized review.

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 2026-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This complaint involves Macys and their credit card operation. At XXXX time my wife bought a {$16.00} dollar special offer at Macys, and tried to use her bank credit card. she was told to get the special price she needed to use her Macys card, which she did. Shortly after XXXX we left for XXXX for XXXX months. During that time the Macys bill was sent to our XXXX address. Our mail was being forwarded, but we did not receive this bill until we returned to XXXX My wife tried to settle the bill, but now instead of owing {$16.00} dollars, we owed {$96.00}. We disputed the bill numerous times, but were told there was nothing that could be done. We finally paid the {$96.00} and cancelled the card. Now our credit score has gone from the XXXX to XXXX We don't really give a XXXX, because we have no debt and pay for everything we need. But I have been fuming about this for months, and in hopes of helping others, would love to see Macys XXXX get hassled more than a little bit. Thank you 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 non-monetary relief
Consumer complaint received 2026-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Zions Debt Holdings
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a phone call at XXXX am from XXXX XXXX collections. She did not say the collection XXXX. I asked why the debt is showing only on a credit report XXXX dont have access to. Meaning, I was only able to see the debt on a report pulled by a home lender. Its not on any report I have access to. I said the debt defaulted XXXX. She agreed and continued to try and collect. I asked for an address to verify the debt. She told me she will forward my complaint to billing department. I said no, I need an address to request in writing. She began to give me a XXXX. At that time I considered the whole thing a scam.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Priceline credit card Barclays Bank in Delaware I was charged over {$2000.00} in airline tickets out of the country. I opened a fraud dispute and they did an investigation and returned the funds then took it back out claiming this was me making the charges. I havent been out of the country in 15 years. I fax my lisense and mail it to them to show proof. My email, bank account, credit cards, XXXX, XXXX online all were hack. I believe the person that made these airline ticket charges got my information through my email.

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 2026-07-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I discovered a XXXX XXXX collection account on my credit reports that I do not owe. On XX/XX/year>, I sent IC System a written dispute requesting full validation of the alleged debt. They did not respond with any validation. On XX/XX/year>, I contacted IC System by phone to inquire about the status of the dispute. Their representative stated the alleged balance is {$160.00}, but IC System is reporting {$160.00} to the credit bureaus. This inconsistency demonstrates that the information they are furnishing is inaccurate and unverified. I also have an active XXXX XXXX account, which contradicts the claim that this debt is owed. IC System has failed to investigate, validate, or correct the inaccurate information as required by federal law. Their continued reporting of inconsistent and unverified information is harming my credit profile.

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 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX Citi Dividend credit card monthly statement, my Dividend Dollars saving from XXXX, {$1400.00} was expired and taken away from my credit cards account without any previous notice. On XX/XX/year>, I contacted Citi Dividend Card about this issue and received following Ref : XXXX XXXX XXXX. Their answer to justify their actions to my credit account is the credit account had not been used for a period of 12 months. I am retired and travelled out of the country for 50 % of the time and 2 years ago I used another Citi double cash card and neglected about the fine print on Dividend Card regarding the 12 months restriction of the dividend savings. I wish the agency can help me to reinstate the balance of {$1400.00} to my Citi Dividend Card.

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 2026-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: KY

Complaint narrative:
The collection agency, Lockhart, Morris, and Montgomery , Inc., has placed a derogatory collection on my XXXX XXXX XXXX credit reports, claiming an alleged medical debt of {$1000.00}. As of XX/XX/year>, they have expanded this reporting to my XXXX credit profile as well. Summary of Violations : Withholding Mandatory Disclosures ( FDCPA Section 809 ) : I have never received a physical bill, statement, or formal validation notice from this agency. When I contacted their office by phone on XX/XX/year>, to request documentation, the representative claimed a notice had been mailed on XX/XX/year>, but explicitly refused to send another copy or mail a physical bill to verify the debt, stating, " it cost them money to mail me another bill. '' Reporting Unverified Information ( FCRA Section 623 ) : On XX/XX/year>, I electronically filed disputes with XXXX XXXX XXXX. On XX/XX/year>XXXX XXXX finalized the dispute investigation and marked the account as " verified '' because the collector responded to the bureau. Following this, the collector expanded reporting to XXXX, which I disputed on XX/XX/year>. The collector is purposefully providing verification data to the credit bureaus while actively withholding the physical documentation from me, the consumer. Impact on the Consumer : This agency is damaging my credit scores across all three major credit bureaus while actively obstructing my legal right to verify what this debt is for, who the original creditor is, or whether the {$1000.00} balance is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NEW YORK COMMUNITY BANCORP INC
State: RI

Complaint narrative:
I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I paid off my mortgage in full several years ago. I sent a good will letter explaining my situation and asked to grant me this request. I did not hear anything back from the company for months. I then called and asked for an address or email to send the letter to and the representative I spoke to did not have the information I 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