vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I am submitting this complaint to dispute Currents denial of my claim for unauthorized electronic fund transfers and to request review of their investigation under Regulation E ( 12 CFR Part 1005 ). 
On or about XX/XX/XXXX, unauthorized transactions were posted to my Current account. These transactions were not authorized by me, were not initiated by me, and I did not receive any benefit from them.

At the time the unauthorized activity occurred, my account access credentials were compromised without my knowledge or consent after I lost physical control of personal property that provided access to my financial accounts. As a result, a third party was able to initiate transactions before I could fully secure my account. I did not voluntarily share my credentials or authorize any individual to use my account.

I promptly notified Current upon discovering the unauthorized transactions and fully cooperated with their investigation. I provided all requested documentation, including a police report.

Despite this, Current denied my claim without providing specific evidence demonstrating that I authorized the transactions, benefited from them, or that their investigation met the reasonable investigation standard required under Regulation E. I was not provided a clear explanation or documentation supporting their determination.

Under Regulation E, consumers are not liable for unauthorized electronic fund transfers they did not authorize or benefit from, and financial institutions must conduct a reasonable, good-faith investigation supported by evidence.

I am requesting that Current be required to reopen and reevaluate my claim under Regulation E compliance standards, provide a written explanation of their determination, and credit my account for the unauthorized transactions if no evidence of authorization exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation to substantiate this debt : The name and address of the original creditor The original account number The amount of the alleged debt, including an itemized breakdown of any interest, fees, or charges Documentation bearing my signature that shows I agreed to assume responsibility for this debt Proof that your agency is legally authorized to collect on this debt A complete chain of title, showing transfer of ownership from the original creditor to your agency Until you provide the requested validation, you are required to cease all collection activities, including reporting or continuing to report this account to any consumer reporting agency.

If you are unable to provide the requested validation, I request that this account be removed from my credit reports and that I receive written confirmation of the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm sent an email asking me to confirm which loan to apply my refund to, but the email only referenced XXXX XXXX XXXX and did not include any valid Affirm loan ID. 
I have multiple XXXX XXXX loans with different loan IDs ( XXXX and XXXX ), and the number in the email does not match either loan.

Because the email did not clearly identify the loan, I could not reasonably confirm the refund.

Affirm then applied the refund incorrectly and now refuses to correct the error, claiming I failed to confirm.

This is a billing error caused by Affirms unclear communication, and I am requesting the refund be correctly applied to the proper loan, contacted them and they said there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Mandarich Law Group, LLP
State: GA

Complaint narrative:
I want Mandarich Law Group , LLP to stop collections as I dispute this debt and give them the 60 days needed to validate this debt in writing. 
In the meantime I wish to have no phone calls, emails or any other kinds of communication until this debt is found to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received an email notification out of nowhere that my account was being closed. No other information or reason was given. I recently returned from a 3 week trip to XXXX and XXXX, but that was all documented through Chase and you could've easily seen this was planned well in advance. I did spend quite a bit more than I usually do there, but nothing at all was fraudulent, nor have I ever partaken in fraudulent activity. 

This is gross negligence in fraud quality control by Chase and I strongly believe Chase has made an error in closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. BANCORP
State: CT

Complaint narrative:
To whom is may concern I am writing a file a formal complaint regarding the servicing if my auto loan with I have held since XXXX of XXXX. 

I have maintained this loan in good standing for over five years. During this time, I have made consistent payments and demonstrated a clear history of repayment. The current balance of the loan is {$8400.00} following the most recent payment, which the vehicle itself has an aproximate value of {$50000.00}.

In recent months, I proactively contacted the lenders hardship department on the three separate occasions to request a reasonable accommodation : a change of my monthly dye date ti align with the date my pension income is deposited. I also requested that the adjustment be handled by adding one month to the end of the loan, a standard accommodation commonly offered in hardship situations.

Despite these repeated contact, no due date change was implemented, nor was I provided written confirmation or clear guidance regarding the status of my request. As a result of this failure to act, once funds have been deposited in my account.

Following this, I received a " Right to Cure '' default notice threatening repossession. This escalation was both disproportionate and unnecessary given the following facts : * I have been a long standing positive payment history on this loan.

* I proactively sought assistance to prevent any payment issues.

* The lender failed to process or confirm the requested accommodation.

* The Delinquent payment was made and actively still made in full.

* The remaining loan balance is minimal relative to the value of the vehicle.

This situation could have been entirely avoided had the lender appropriately handled my due date change request and add a payment at the end of the loan due to be paid in full XX/XX/XXXX. Instead, I was subjected to unnecessary distress and the threat of repossession despite acting in good faith at all times. 

I am requesting that this matter be reviewed for improper loan servicing, failure to accommodate a reasonable hardship request, and inappropriate escalation to default status. I also requesting confirmation that no adverse credit reporting or further collection result from this incident. 
Thank you for your attention in this matter

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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year>, I was the victim of a social engineering scam involving a fraudulent XXXX payment request. I received a spoofed email and was instructed to call a number falsely representing XXXX customer service. The operator stated they needed a code I received through messages in order to access my account so they could better assist me as well as undergo a validation check while on the phone. The fraud resulted in unauthorized withdrawals and transfers, including transactions impacting a linked account holder. XXXX dollars was withdrawn from my account and XXXX dollars from my daughters. I immediately reported the fraud to Chase, filed a fraud claim, had all accounts frozen, and provided evidence relating to this issue. I was told by the Chase Bank employees the refund would take up to 10 days and that Chase Bank would take care of the issue. On XX/XX/XXXX, I filed a claim with the XXXX XXXX XXXX resulting in a call from XXXX who is an executive at Chase. She explained the case needed further investigation. Chase denied the fraud claim ( claim number XXXX ) citing that the transaction originated from the same IP address and local geographic area despite this being an account takeover involving impersonation and deception. I am requesting reconsideration of the denial and a full review under account takeover and fraud protections, not as an authorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have had my XXXX XXXX  card since XXXX. It changed hands a few years ago to XXXX XXXX XXXX XXXX. I have always been in excellent standing with my account, and they have made a TON of money off of me, as a customer/client. Ever since the change to XXXX XXXX XXXX XXXX.... it's been HORRIBLE customer service. The representatives aren't trained to deal with simple issues. I had made my payment on the due date, but it generated a late fee of {$30.00} because of the time difference. On XX/XX/XXXX and XX/XX/XXXX, I had called Customer service to get this fee reversed ; and although my account has ALWAYS been in excellent standing, they REFUSED to reverse the late fee and only offered a {$15.00} dollar credit. I escalated my call. Eventually, I was transferred to a so-called Senior account XXXX, XXXX I.D . # XXXX. She was not only unhelpful, but she also spoke over me telling me she was the end of the line to speak to anyone. I told her that I was going to file a formal complaint. I will no longer be using this card and will be transferring the balance of this card to another card. XXXX XXXX won't get another XXXX from me. Refusing to reverse a late charge that was actually paid on the due date and only offering " {$15.00} courtesy fee reversal '' it is just GREED and lacks the appreciation of having customers. Customers are a business 's bread and butter and without customers businesses fail. This is just a fact. You lost a XXXX customer/client.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original Creditor Name TXXXX XXXX XXXX XXXX XXXX Closed No InfYou have 100 % left to pay on this collection. 

Balance {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : FINAL NOTICE FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT XXXX XXXX XXXXXXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account.

Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation.

Your failure to provide the following constitutes noncompliance : XXXX. A copy of the original signed contract or agreement bearing my signature ; XXXX. A full chain of title, including all assignments and transfers of the alleged debt ; XXXX. A bill of sale or purchase agreement proving legal ownership of the debt ; XXXX. Proof of licensing to collect debt in my state ; XXXX. XXXX bond information, if required by law in your jurisdiction. 
A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to consumer reporting agencies is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair practices 15 U.S.C. 1692g Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within fifteen ( 15 ) calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and court costs.

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue civil litigation. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Two VA-issued benefit checks payable to me were deposited at Huntington National Bank . Each check was in the amount of {$1600.00}, for a total of {$3200.00}. 

After deposit, Huntington National Bank placed the funds into a suspended or held status, stating that the checks were considered too old. Huntington Bank never sent me any written notice stating that the funds were placed into a suspended account.

Over the past year, I have contacted Huntington National Bank multiple times and spent more than two hours on the phone attempting to resolve this issue. Bank representatives confirmed that the funds are still being held in a suspended account and are not accessible. It has now been over one year, and I have still never received any written documentation, notice by mail, or explanation regarding the status of these funds.

The bank has refused to provide anything in writing and stated that the XXXX  XXXX XXXX XXXX must recall the checks from the XXXXXXXX XXXX 

These funds are federal VA benefit payments intended for an elderly individual. The funds have not been released, properly returned, or resolved, and no written notice or explanation has ever been provided. 

I am requesting written confirmation of the status of the funds, an explanation for the lack of notice, and immediate resolution, including release of the funds or confirmation that the checks have been properly returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent correspondence regarding Midland Credit Management ( MCM ) Account # XXXX. 
The information associated with this account is inaccurate and does not properly identify me. My legal name is XXXX XXXX. I have never used the XXXX XXXX Because the identifying information is incorrect, the documentation provided does not establish that this account belongs to me.

I am formally demanding deletion of this account from my credit reports, as it is reporting inaccurate personal identifying information and has not been properly validated.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), information that can not be verified as accurate must be removed, not amended. Continuing to report inaccurate information constitutes a violation of federal law.

Please provide written confirmation that this account has been deleted from all consumer reporting agencies to which you report. Any further collection or reporting activity on this account will be documented. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This is a copy of an email sent to : XXXX, XXXX, XXXX, XXXX I still haven't heard back. My letter outlines what happened : I am writing to formally dispute an electronic funds transfer from my Marcus account that was sent to my XXXX XXXX  account on XX/XX/year>, in the amount of {$7000.00}. 

The deposit was initially posted on the same day, and was subsequently reversed without explanation. I contacted both Marcus and XXXX XXXX  ; each institution has denied responsibility and neither has provided documentation of an originating reversal request or a return reason code. 

I have attached screenshots of the funds transferred and reversed as well as a letter from XXXX XXXX  stating that the reversal was initiated by Marcus by Goldman Sachs. 

Ive called customer service several times and every representative did nothing to escalate my case and continued to blame XXXX XXXX. I finally opened a dispute and a representative from Marcus bank initiated a XXXX way call with XXXX XXXX  and myself. His line dropped and the XXXX representative called me back and claimed he figured out the error. During this time I was credited {$7000.00} while the dispute was underway. The representative claimed to have figured out the error and assured me I would be credited correctly and it would reflect on my account. 

Then I received a letter from XXXX that my dispute was closed and they would reverse the {$7000.00}. I called XXXX again and was directed to a manager in the claims/dispute department named XXXX who said nothing could be done and that letter was final. He did nothing to help me locate the {$7000.00}. I called back and spoke to XXXX who was able to open up the claim again. 

I'm escalating this because for months I have been trying to work with your customer service team, but they have failed to help me. 

Under the Electronic Fund Transfer Act ( Regulation E ), I am formally disputing this transfer error and requesting the following, in writing : The ACH trace number associated with this transaction.

The full ACH routing details that show where the deposit went and who initiated any reversal.

The return code or reason for reversal, if applicable.

Copies of all internal investigation notes and correspondence regarding this transfer. 


Please respond within the statutory timeframe and provide a written explanation with supporting documentation showing how this error occurred and where my funds currently reside. 

If you can not locate my funds, provide a sworn statement to that effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing improper payment application and accounting errors on my auto loan. 

My loan is a Texas XXXX XXXX XXXX with simple interest, where finance charges accrue daily on the unpaid balance. I executed two extension agreements with Regional Acceptance Corporation on XX/XX/year> ( 30 days ) and XX/XX/year> ( 60 days ). Both extensions explicitly state that finance charges continue to accrue at the contract rate and do not modify payment application or authorize suspension of principal reduction. 

Despite this, multiple payments made after these extensions including full monthly payments were applied with {$0.00} credited to principal, even where payment amounts exceeded reasonable accrued interest for the period. The principal balance remained frozen for months, and late fees were repeatedly prioritized. 

Neither the XXXX XXXX XXXX nor the extension agreements authorize fee pyramiding, altered amortization, or suspension of principal reduction once payments resume. This constitutes an accounting error and improper payment application in violation of TILA, Regulation Z, and applicable Texas Finance Code provisions. 

I am requesting : A full payment application audit with daily interest calculations Correction of the principal balance Reversal of improperly assessed fees Correction of any inaccurate credit reporting. An inaccurate account balance invalidates any related XXXX late payment reporting under 15 U.S.C. 1681e ( b ) ; derivative inaccuracies must be deleted.

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