vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
I called Mid Florida Financing and I spoke to a representative on Thursday XX/XX/year> in regards to a payment arrangement for my vehicle. It was stated by the representative that I would have a payment extension that will have to be paid on XX/XX/year> this also confirmed it is documented in their notes. 4 days later I received a call stating that the payment extension is being cancelled due to it being the first loan payment and that my car will be up for repossession if I don't make a payment today. The person I spoke to even confirmed that the conversation and notes were there confirming I had the payment extension. I spoke to XXXX different agents at the business and they would not honor the agreement that I already had saying it has been cancelled without giving me a reason. They would not provide me with any emails or documentation showing that and agreement was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Select portfolio servicing has not answered any of the questions asked they either talk in circles you get different people every time you call everyone has a different answer if they answer your question payments going God knows where missing payments and when you have proof of making the payment they make up something else on where it went, they have gotten lump sum payments from me in the past and at the end of XXXX, they love scaring people into paying outrageous amounts in one lump sum

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Scam/ fraud happened on XXXX. Got alert message on my phone about XXXX XXXX charge and I replied " No ''. Right away phone call from Bank of America and was told that he is from Bank of America and he will help me and take care of it. During that conversation he said that there is a XXXX XXXXXXXX transaction and I was shocked. I never in my life did that kind of transaction. He said " Don't worry. I will help you ''. In order for him to do that he needs my permission and asked me type yes and I did. Also said that card will be cancelled for protection. And my user id & password will be locked for XXXX hrs. Then I can reset it. I honestly thought that he was from Bank of America and helping me. Next day Bank of America calls me and telling me that it was fraud/ scam. Then I went to the branch they said that I have to report it to fraud dept. and I did and filed the case. Refiled several times. Hoping them to resolve it. I have been with them for XXXX yrs. They keep denying it. I never received any alert about that transaction on my phone. But he was on the phone, apparently he diverted and got those messages and replied as me.. Now I am the victim. They start late fee on it too.. Didn't know what to do /report. Relied on Bank of America Fraud dept. to resolve it. Thanks.

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 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
im a victim of identity theft i tried to dispute the debt with all credit unions all 3 credit unions are refusing to delete it of my credit report last year alone my information wS in 17 data breaches noone ever contacted me my life has changed negativly with all these fraudulent accounts i have filled a police report and a identity theft report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2026-04-13 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 was initiated a refund on XX/XX/XXXX but I wasnt able to receive it because my card was locked. Although, in the app it tells me that locking my card will not affect me receiving any deposits, refunds, or transfers. I contacted the card issuer, and they told me to contact the merchant. So, I did and the merchant informed me that once the refund has been sent theres nothing they can do. I called the card issuer again and was told I would have to dispute the purchase in total because the couldnt do a partial dispute. So I did, I later received documentation stating that my dispute had been denied. So, I contacted the card issuer again and they said they can see where the refund was initiated and that they would escalate the matter. On XX/XX/XXXX I received a letter stating that my dispute had been denied again because XXXX had already issued the refund. However, I still dont have my money. Also, I have called multiple times regarding this issue and was never charged a fee. But, my last two recent calls charged me a {$0.00} balance inquiry fee even though I never inquired about my balance. So, I asked the representative and she stated that I had to contact the child support office. But, from my knowledge they are in charge of fees on the account. This has been a very stressful situation. Especially because I have already lost money in the past because this exact reason and expiration of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CO

Complaint narrative:
I am requesting validation of an alleged account associated with NCB Management Services, as I have concerns regarding the accuracy, completeness, and proper verification of this debt. After carefully reviewing my records, I have not found sufficient documentation that clearly establishes my legal responsibility for this account. I have not received a signed agreement, original creditor documentation, or a complete account history that explains how this debt originated or how the balance being reported was calculated. As a third-party debt collector, NCB Management Services is required to maintain and provide accurate records supporting the validity of any debt it attempts to collect. However, I have not been provided with documentation showing the full chain of assignment or ownership of this account, nor any proof that NCB has the legal authority to collect or report this debt. This lack of transparency raises concerns about whether the account has been properly verified before being reported. Additionally, I am concerned that this account may be the result of inaccurate reporting, mixed file issues, or even a data breach, where my personal information may have been used without authorization and incorrectly linked to this account. Without proper validation, I can not confirm that this debt is legitimate or belongs to me. Under 15 U.S.C. 1692g ( b ), I am formally requesting full validation of this debt. Furthermore, under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a thorough and good-faith investigation when disputes are raised, and under 15 U.S.C. 1681e ( b ), only accurate and verifiable information should be reported. The current lack of documentation raises concerns about compliance with these requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Product : Checking Account / Debit Card Issue : Unauthorized transaction / Fraud dispute Company : Wells Fargo Bank , N.A . Complaint : I am filing a complaint regarding an unauthorized debit card transaction on my Wells Fargo checking account in the amount of {$800.00}. The transaction was not authorized by me. At the time the transaction occurred, the debit card associated with my account had not been activated. I had not set a XXXX, nor had I used the card in any way except for on my digital wallet. Wells Fargo claims that the physical card was inserted on XXXX separate transactions, but I never received the card in the mail. I did not receive a PIN number. First transaction which Wells Fargo did reimburse was for {$350.00} at a restaurant called XXXX XXXX XXXX XXXX in XXXX GA on XX/XX/year> The second transaction which Wells Fargo is denying was for {$800.00} from a merchant which was abbreviated on my bank statement as XXXX XXXX XXXX in XXXX GA on XX/XX/year>. After my own investigation, I believe the abbreviation stands for XXXX XXXX XXXX XXXX XXXX XXXX. I have never been to a XXXX XXXX XXXX XXXX nor have I been to a XXXX XXXX outlet store which is what I am assuming it is base on the evidence I have found. Wells Fargo should have don't the same due diligence. I reported this transaction promptly to Wells Fargo as fraud. My claim was denied. I then requested escalation, and the matter was reviewed by Wells Fargos Escalated Complaints Office. Despite this review, Wells Fargo has refused to reimburse the unauthorized transaction. I have since received communication from Wells Fargo indicating delays in their investigation, but no satisfactory resolution has been provided. This situation raises serious concerns about how a debit card could be used without activation or authorization. I have not been provided with any evidence demonstrating that the transaction was authorized by me. -- - # # # Requested Resolution : I am requesting that Wells Fargo : XXXX. Reimburse the full amount of {$800.00} for the unauthorized transaction. XXXX. Provide a detailed written explanation of how the transaction was approved without card activation or authorization. XXXX. Provide all documentation and evidence used to deny my claim. XXXX. Confirm what safeguards are in place to prevent unauthorized use of unactivated debit cards. -- - # # # Additional Information : Account : Checking account ending in XXXX Transaction amount : {$800.00} Transaction type : Debit card transaction ( unauthorized ) I have acted promptly and in good faith to report this matter and expect Wells Fargo to comply with applicable consumer protection laws regarding unauthorized electronic fund transfers. I am prepared to pursue further action if necessary.

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 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: CA

Complaint narrative:
Subject : Complaint Unauthorized Billing, Invalid Debt, and Collection Activity ( XXXX Water / ACS ) To the Consumer Financial Protection Bureau, I am submitting a formal complaint regarding unauthorized billing, improper account reactivation, and invalid debt collection involving XXXX XXXX XXXX and a third-party debt collector, Associated Credit XXXX XXXX XXXX ). Account Number : XXXX Summary of Issue : I cancelled my subscription with XXXX XXXX and all associated products, including full water gallons, were picked up by the company on or about XX/XX/2025. This confirmed termination of service. Despite this, XXXX XXXX reactivated my account without authorization and continued billing me for services that were not requested or provided. I made multiple attempts to resolve this issue through customer service calls and follow-ups, but the matter was not corrected. I was charged multiple times after cancellation and was forced to dispute these charges with my bank. Despite these disputes and confirmation of cancellation, XXXX XXXX continued issuing invoices and escalating the alleged balance. The account was ultimately referred to collections, and I am now receiving calls and text messages from Associated Credit Services ( ACS ) attempting to collect an alleged balance of {$240.00}. Why This Debt Is Invalid : The service was cancelled prior to the billing periods in question No services were rendered after cancellation All company property ( water bottles ) was retrieved, confirming termination Charges continued despite multiple disputes and cancellation confirmation Actions Taken : Multiple calls to XXXX XXXX customer service to cancel and dispute charges Confirmation of product pickup on XX/XX/2025 Disputed unauthorized charges with my bank Requested account closure and removal from their system

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 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: Zip Co US Inc.
State: GA

Complaint narrative:
I am filing a complaint against Zip regarding an unauthorized reversal of a completed payment. A payment I made for my car insurance was successfully processed and paid in full. I have documentation confirming that the merchant received the payment. However, Zip has now marked this transaction as reversed, and I did not receive any refund or return of funds. I have already provided proof of payment and proof that no refund was issued, yet the issue remains unresolved. Additionally, I have received inconsistent and conflicting information from Zip regarding my account status, including claims of unresolved disputes that are no longer active with my bank. I am requesting an immediate investigation into this matter, including : Confirmation of where the reversed funds were sent Immediate return of my funds if no refund was issued Correction of my account records This is a financial discrepancy involving missing funds, and I am seeking prompt resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate mortgage servicing and improper application of payments by my loan servicer. My most recent mortgage statement dated XX/XX/year> reflects a regular monthly payment of {$770.00}. However, the same statement simultaneously claims a past due balance of {$6100.00}, resulting in a total payment demand of {$6900.00}. This is inconsistent with the payment activity shown on the same statement, which confirms that payments have been made and accepted, including {$2200.00} paid in the prior month and {$4400.00} paid year-to-date. Despite accepting payments, the servicer appears to be misapplying funds and improperly treating the account as delinquent. The statement does not clearly explain how the alleged past due balance was calculated. I have formally notified the servicer of these errors through a written Notice of Error under RESPA and requested a full accounting of the loan. At this time, the issue remains unresolved. I am requesting that the servicer : - Correct the account to accurately reflect all payments made - Provide a complete and detailed accounting of the alleged past due balance - Remove any improper fees, charges, or delinquency status resulting from these errors This situation raises concerns regarding improper payment application, inaccurate account reporting, and potential servicing violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: American Credit Acceptance, LLC
State: MS

Complaint narrative:
On XXXX XXXX I went to carmax to purchase vehicle I was there for hours. I was accepted by American credit acceptance for {$1500.00} down car note {$540.00} a month. I have received the title paper and I went and retrieved my tag on XX/XX/XXXX. I only had my id on me and that lady and manager were well aware of this and I provided her with all my information with my license being sent in the mail in all I sent everything she asked me to and days later was told they wouldnt accept my application because of my id when everything was already approved and I spoke directly to American credit acceptance and was told it was okay I had to show the proof of my online license and license being bought online. More days later XXXX told me my down payment wasnt enough when we specifically went over multiple car applications to fix my down payment before I even accepted this car. So now I have received a repossession letter and trying to see what can be done

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I am submitting a complaint regarding the servicing of my mortgage by M & T Bank involving both payment accounting discrepancies and loss mitigation handling. M & T Bank stated that a full refund of the previous XXXX XXXX XXXX funds from the third payment was issued ; however ; my bank records show that while the full payment amount was debited, only a partial refund was returned. This creates a discrepancy between the servicer 's written statement and my transaction history. Additionally, M & T Bank stated that once an option in the loss mitigation evaluation process is identified, they stop reviewing further options. However, the resulting option does not appear to be affordable based on my financial situation, and no sufficient documentation has been provided to verify that all appropriate options were evaluated prior to that determination. Due to these issues, I am unable to verify that my account has been handled accurately or that my loss mitigation evaluation was completed using correct and complete information. Attached is a copy of my bank statement reflecting the full debited amount and M & T Bank 's written response to my prior complaint attesting that all funds were refunded.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are multiple transactions on my account, ranging from about XXXX. When I spoke with BMO they said they didnt know or couldnt tell me whether or how charges were made for instance. A XXXX XXXX payment that doesnt show on my statement or XXXX XXXX history. But shows on my online banking. Also a XXXX dollar charge out of my savings that the bank couldnt not explain?

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 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I received an initial notice from Midland Credit Management regarding an alleged credit card debt. On XX/XX/year>, I sent a formal written dispute and request for validation pursuant to the Fair Debt Collection Practices Act. In that letter, I requested specific documentation, including a signed agreement, complete account history, and a full chain of title demonstrating their legal authority to collect. Midland Credit Management did not provide the requested validation. Instead, they continued collection efforts and escalated their communications. I later received a notice dated XX/XX/year> stating Attorney Review Planned Final Notice. However, this letter was not received until much later, raising concerns that the company may be misrepresenting timelines in order to pressure payment. Due to their failure to validate, I have sent a follow-up dispute letter notifying them of this deficiency and again requesting proper documentation. At no point did the company provide : A signed agreement or contract A complete chain of title Documentation establishing that I am legally obligated Despite failing to validate the debt, the company continues to attempt collection and has indicated possible referral to an attorney. I believe this conduct is misleading and unfair, as the company is escalating toward legal action without first providing proper validation of the alleged debt.

Company response to consumer: Closed with explanation