vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
b"On XXXX XXXX XXXX, I sent a formal Debt Validation Letter to Columbia Debt Recovery, LLC via XXXX Certified Mail (Tracking #: XXXX XXXX XXXX XXXX XXXX XXXX), disputing an alleged eviction-related debt and requesting full validation under the FDCPA, 15 U.S.C. 1692g(b).\n \nThe XXXX tracking record confirms the letter was delivered and received by the agency on XXXX XXXX XXXX.\n \nAs of XXXX XXXX XXXX more than XXXX days after confirmed receipt Columbia Debt Recovery has provided NO validation, NO response, and NO communication whatsoever.\n \nUnder 15 U.S.C. 1692g(b), a debt collector must cease all collection activity upon receipt of a written dispute until the debt is validated. The agency's failure to respond constitutes a willful FDCPA violation. I am also disputing this account under the FCRA and request that all credit reporting be paused and the account marked as disputed.\n\nThe original balance I allegedly owed was approximately XXXX. Columbia Debt Recovery is now claiming approximately XXXX a difference of roughly XXXX with no valid explanation. My lease contract explicitly caps interest at 18% per year compounded annually, which would bring the balance to no more than XXXX after XXXX years. Their claimed amount of XXXX is mathematically impossible under the lease terms and has no legal basis. Additionally, the underlying eviction case in XXXX XXXX XXXX was voluntarily dismissed without prejudice, meaning no monetary judgment was ever issued against me. Collection fees are also invalid because no XXXX-day written demand letter was ever provided, and the landlord failed to comply with XXXX Statute 83.49, which required a deposit claim notice within XXXX days of move-out.\n \nI am requesting that the CFPB investigate this matter, contact the company on my behalf, and require them to either validate the debt with all documentation or permanently cease collection efforts and remove this account from my credit reports."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I am writing to formally complain about repeated errors in the handling of my escrow account for loan number XXXX. Specifically, my recent escrow analysis shows a duplicate insurance charge : my home insurance policy, which I paid in full in XX/XX/year>, is being counted again as if due in XX/XX/year>. This error has artificially inflated my escrow shortage and caused significant stress and financial concern. Additionally, another serious error occurred when my escrow check of {$3200.00} was sent to the wrong insurance company without my consent. This is unacceptable and has caused me to lose trust in your handling of my account. I want this corrected immediately, and I expect clear assurance that my escrow funds will be properly managed moving forward. These repeated errors in my escrow account have caused significant stress and emotional distress, including XXXX and XXXX, impacting my daily life. I expect immediate correction and assurance that my account is accurate. This is not the first time I have noticed discrepancies, and I am deeply concerned that these repeated mistakes may be affecting other customers as well. I find it unacceptable that errors like this are creating unnecessary financial burdens and XXXX. To resolve this matter, I demand the following immediate actions : 1. A complete, detailed escrow account history for the last 24 months, including : - All payments made by me - All disbursements for insurance, taxes, and other items - Any shortages or surpluses applied to my account 2. A corrected escrow analysis reflecting the accurate insurance payment and correct escrow balance. 3. Written confirmation that my account is now accurate, no duplicate charges exist, and all future escrow disbursements will be handled properly with my consent. Please provide the requested documents and corrections within 10 business days. If this matter is not addressed promptly, I am prepared to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and my state regulatory agency, and to explore other legal remedies to protect my rights. I expect prompt and accurate resolution of this issue to prevent further financial harm.

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 — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: NV

Complaint narrative:
Received a letter of surrogation and was proven by police statements that I was not involved nor responsible for debt owed. I have verification of identity theft and local law enforcement in Idaho that on date in question that I was there and not in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am a borrower whose loan was serviced by Navient between XXXX and experienced being steered into forebearance and having negative information affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am a long-time checking account customer with Wells Fargo and have maintained my account with them largely due to their broad national presence and accessibility. Recently, I was charged XXXX consecutive monthly service fees of {$15.00} each. I was not made aware of any change to the service fee waiver requirements that led to these charges. As a result, I incurred a total of {$60.00} in fees without prior notice or clear communication. I have since adjusted my account activity and now meet the requirements necessary to waive the service fees going forward. However, when I contacted customer service, I was only provided a partial refund covering XXXX of the XXXX charges.

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
What happened? Describe what happened, and well send your comments to the companies involved. Include dates, amounts, and actions that were taken by you or the company. Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. Publishing this description will not affect how the CFPB handles your complaint. Inactive modal What would be a fair resolution to this issue? Well forward this to the companies involved. Be specific so they know what resolution you are looking for. The company may or may not offer to resolve your complaint. In XXXX XXXX, Citibank closed my US checking account and Citi XXXX credit card without providing any explanation. Both accounts were in perfect standing with no late payments or compliance violations of any kind. After extensive effort, I was eventually able to determine the reason. I was a secondary account holder on a Citibank XXXX account in XXXX, where my father was the primary account holder. Our assigned Citibank XXXX relationship banker advised my father that it was permitted to wire funds from that XXXX account to my US Citibank account to cover college living expenses. That banker personally facilitated every single transaction, in-branch, in person, on multiple occasions. At no point did he warn us that these transfers were not permitted. As a result of that banker 's incorrect guidance, my US accounts were closed with no warning and no opportunity to respond or remedy the situation. Since XXXX, I have been permanently blocked from any Citibank product or service. I recently applied for a Citi XXXX XXXX credit card and a Citibank checking account, both of which were denied on the same grounds that Citibank no longer wishes to extend a banking relationship with me. I am not disputing Citibank 's rules. I am requesting a fair review of a situation in which I acted entirely in good faith, based on the advice of a Citibank-employed professional who personally executed every transaction in question. I should not bear permanent consequences for a mistake made by Citibank 's own employee. Attach documents ( optional ) Include copies or photos of documents related to your issue, such as contracts, letters, and receipts, and we will forward all materials to the company for 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 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optio Solutions, LLC
State: WA

Complaint narrative:
I recently discovered a {$130.00} collection account reported by Qualia Collection Services on my credit reports, related to a prior rental with HERE XXXX. I was never notified of this debt before it was reported to the credit bureaus. I did not receive any written notice, email, or phone call from the collection agency regarding this account, nor was I informed of my right to dispute the debt. After discovering the account, I contacted the apartment management ( HERE XXXX ), who informed me that the account had been sent to a different collection partner ( XXXX ). This created confusion regarding who is responsible for the debt. I also attempted to resolve the matter and make payment, but I was unable to successfully complete payment or obtain clear instructions. Additionally, I attempted to contact the collection agency listed on my credit report ( Qualia Collection Services ) to obtain information, but I was unable to reach them or receive any response. Because I was not properly notified, received inconsistent information, and was unable to obtain clear guidance or resolution, I am concerned that proper procedures were not followed. I respectfully request that this account be investigated and removed from my credit reports if it can not be properly validated and shown that all required notifications were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optio Solutions, LLC
State: WA

Complaint narrative:
I recently discovered a {$130.00} collection account reported by Qualia Collection Services on my credit reports, related to a prior rental with XXXX XXXX. I was never notified of this debt before it was reported to the credit bureaus. I did not receive any written notice, email, or phone call from the collection agency regarding this account, nor was I informed of my right to dispute the debt. After discovering the account, I contacted the apartment management ( XXXX XXXX ), who informed me that the account had been sent to a different collection partner ( XXXX ). This created confusion regarding who is responsible for the debt. I also attempted to resolve the matter and make payment, but I was unable to successfully complete payment or obtain clear instructions. Additionally, I attempted to contact the collection agency listed on my credit report ( Qualia Collection Services ) to obtain information, but I was unable to reach them or receive any response. Because I was not properly notified, received inconsistent information, and was unable to obtain clear guidance or resolution, I am concerned that proper procedures were not followed. I respectfully request that this account be investigated and removed from my credit reports if it can not be properly validated and shown that all required notifications were provided.

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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, my Apple Card was charged {$680.00} for " services '' by the XXXX XXXX, using XXXX 's payment system. I did not make this charge, nor do I do any business with the XXXX XXXX. I XXXX and called the owner of XXXX XXXX to inquire. He confirmed that he did not charge my account, and that we do not do any business together. I reported this unauthorized charge to the bank, Goldman Sachs. They reversed the charge. Within a week, Goldman Sachs replied via email and said that the charge was an authorized charge, and the put the {$680.00} charge back on my card. Plain and simple, I did not make this charge or authorize it. Because the merchant is confirming this, one might speculate that this is a fraudulent use of XXXX 's payment system. Goldman Sachs will not reverse this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am filing a complaint regarding a deferred interest charge applied to my account associated with a mattress purchase financed through a XXXX promotional plan. At the time of purchase, the financing was presented as no interest, which reasonably led me to believe that setting up autopay would ensure compliance with the promotional terms. I enrolled in autopay immediately and relied on it to manage my payments appropriately. However, the autopay amount was set at a level that was insufficient to pay off the balance within the promotional period. I was not clearly informed that the minimum or autopay amount would not satisfy the requirements to avoid interest. As a result, I was unexpectedly charged {$4200.00} and {$180.00} in deferred interest, which appears to have been retroactively applied to the entire balance. At no point was it clearly disclosed or emphasized that failing to manually calculate and adjust payments beyond autopay would result in such a substantial financial penalty. I believe this constitutes a misleading and unfair billing practice. A reasonable consumer would expect that enrolling in autopay would prevent this exact outcome, especially under a promotion described as no interest. I contacted the creditor, Synchrony Bank, but was informed that no assistance or adjustment could be provided. I am requesting a full waiver or significant reduction of the deferred interest charges due to insufficient disclosure and a misleading payment setup. If the terms had been clearly and transparently communicated, I would have ensured the balance was paid in full within the promotional period. I respectfully request that this matter be reviewed and resolved fairly.

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: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: 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: MN

Complaint narrative:
This card was opened in on XX/XX/XXXX. I did not find out about it until I reviewed my credit report. I have requested and called Capitol One several times to dispute it ( the case # is XXXX and the card # ends in XXXX ), but each time, they say they did an investigation and say that I am responsible. When I discovered this card, I made sure to call the police and get an officer to file a report and went to the Federal Trade Commission Website and made a report ( this was in XXXX ). During Capitol One 's investigations, they never called to ask me what happened. I have requested this about XXXX times and they keep saying I opened it up. There were other credit cards that the person tried to open and successfully opened the XXXX card under my name. I think I know who might have done it because the address matches the address of a girl that I was trying to be a good Samaritan to and gave her a few rides. I even helped pay for some XXXX rides for her, but she started taking advantage of me, so I had to stop. Apparently my " no '' was not enough so she must have found out enough info on me to call and establish some credit cards. I have tried to get ahold of her, but she must have gotten a new number. However, on XXXX of the XXXX statements, it had a portion of her name on XXXX of the charges. Her name was XXXX XXXX. I actually XXXX her name and found someone else on XXXX warning about her, along with her face which I recognized : " XXXX 's profile picture XXXX XXXX Scammer alert scammer alert We are looking for XXXX XXXX XXXX in # XXXX My XXXX community please be careful of XXXX and her mother.... ''

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: Omega RMS, LLC
State: CA

Complaint narrative:
I am filing a complaint against Omega RMS for failure to validate an alleged debt. I sent written requests for debt validation regarding an account they claim is owed to XXXX XXXX XXXX. This included a request for a signed agreement, complete account history, itemized charges, and proof of their authority to collect the debt. To date, I have not received sufficient documentation validating this alleged debt. Despite this, the account may still be reported or collection activity may continue. Under the Fair Debt Collection Practices Act ( FDCPA 1692g ), a debt collector must cease collection activity until proper validation is provided. Because this debt remains unverified and the company has failed to provide proper documentation, I am requesting that this account be deleted from all credit reporting agencies and that all collection activity cease unless proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Help me please XXXX XXXX XXXX Terrible company. I cant pay online due to an error. I contacted support about this issue, but they never responded. When I called them on XX/XX/XXXX, they said the coupon should have arrived by XX/XX/XXXX, but they only sent it on XX/XX/XXXX. Their payment coupons in the arrived on XX/XX/XXXX, even though the payment was due on XX/XX/XXXX. I living in XXXX they are in XXXX. I paid by money order they received it but refused to cash it or process it. Now I have to call them all the time. I'm also called them on XXXX before XXXX, they told me after XXXX weeks they will be cash out. But they didn't and The app says I'm late with a payment and they doubled the payment. Because of this, I missed a payment on XX/XX/XXXX, even though I sent over payment {$600.00} on XX/XX/XXXX ( I should paid around XXXX per month ). Now Im being charged twice as much for my car for XXXX. This situation is completely unfair. It continues by saying that I didn't pay and they billed me {$590.00}. What am I supposed to do in this situation? If I made the payment and they received the money order but chose not to process it, that is their mistake. Why should I have to pay double because of their error? And they was too late with payment cupon. How am I supposed to deal with a company like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: MN

Complaint narrative:
I would like to preface first that Halsted has been sent ALL the supporting documentation via certified mail and is completely aware of everything I will state here. XX/XX/XXXX : Received debt collection email from Halsted Financial. XX/XX/XXXX : Sent debt validation letter to Halsted via certified mail requesting verification of the alleged debt. XX/XX/XXXX : Halsted restarted collection attempts via email without providing debt validation. From this date forward, Halsted sent over 70 collection emails. XX/XX/XXXX : Sent second debt validation letter to Halsted via certified mail. Halsted continued sending emails without validating the debt. XXXX XXXX : Emails escalated to " pre-legal notification '' threats despite never validating the debt as required by law. Violations : Halsted sent 70+ collection communications after receiving validation requests without ever providing required debt verification. This violates federal debt collection laws. Halsted is currently involved in a class action lawsuit for identical violations

Company response to consumer: Closed with explanation
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: Clark County Collection Service
State: NY

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item off of my TransUnion and equifax report. The item is : CLARK COUNTY COLLECTION XXXX XXXX {$720.00} Date opened XX/XX/year> I never lived neither visited the state of Nevada to even have a utility bill in my name at all.

Company response to consumer: Closed with explanation