vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I went to Chase bank branch to cash two checks in XX/XX/year>. One check was in the amount of {$430.00} the other was in the amount of {$1000.00}. The bank messed up the process and in turn overdrafted my account in the amount of {$430.00}. I talked to a banker and they were able the perform a research adjustment and credit my account in the amount of {$1500.00}. This fixed the problem and everything in my account was balanced. This was all resolved XX/XX/year>. Today XX/XX/year> I logged into my account and I see a debit for the amount of {$1500.00} as a result of this debit it sent my account into the negative in the amount of {$830.00}. I called Chase bank to get the issue resolved and they would not remove the debit. They said they would have to research this and it would take up to three days. I have bill that need to be paid and I am left with no money because they refuse the fix their mistake. They are essentially taking {$1500.00} from me I did not approve this transaction. They should be contacting the client before this amount of money is processed through someones account. Someone dropped the ball and made a huge mistake. I have to get this resolved and they have to be held responsible for their mistakes this is not ok to take money from your clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
XXXX XXXX is actively reporting an invalid medical debt to my credit file and attempting to collect on a balance for which I have zero legal liability. This debt originates from an emergency room visit at XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX is a participating provider in the VA Community Care Network ( CCN ). Under VA CCN guidelines, providers are strictly prohibited from balance-billing veterans for denied claims. The claim for this visit was denied by the VA because the facility failed to secure the required 72-hour emergency authorization. I have attached my official VA Explanation of Benefits ( EOB ) for this date of service, which explicitly lists my " Veteran Responsibility '' as {$0.00}. On XX/XX/XXXX, I sent a direct dispute via email to SCA Collections ( timestamped copy attached ) providing this exact EOB to prove the debt is invalid. Despite having federal documentation proving I owe {$0.00}, SCA Collections verified the debt with Experian and is continuing to report it. This is a willful violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XXXX, 2026, I took out a personal loan of {$6300.00} at very high interest specifically to pay down my Citi XXXX XXXX so I could use it for an emergency car repair. I made a payment of {$4800.00} to my account on XXXX XXXX, 2026. Citi reduced my credit limit from {$5500.00} to {$1000.00} on the same day my payment posted, leaving me with only {$120.00} in available credit. I am a self-employed XXXX driver and my car is my only source of income. I can not afford to repair my car and have no way to earn income as a result. I contacted Citi by phone and chat on XXXX XXXX, 2026, spoke with multiple representatives and a supervisor, and was told nothing could be done. I was told a request for a review would be done. I am now carrying a {$6300.00} loan with nothing to show for it, as the credit I paid down was immediately taken away. To me, this is an extreme emergency that I attempted to deal with honestly and responsibly. I have never been late with a payment to Citibank, ever! I expected the {$4800.00} to give me credit on their card again so I could get my car fixed. It will most likely need a new head gasket on my 2016 XXXX. But instead of using the money that WAS in my bank account and I could have used it to pay my car loan from my bank, I chose instead to use my Citibank card so I would retain the benefits of paying for something with a credit card! But the money was basically taken away from me immediately!

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 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX, XXXX collection activity on XXXX XXXX. XXXX for Midland Credit Management , Inc., alleged original creditor XXXX XXXX, account ending XXXX. I timely disputed the alleged debt and requested validation/documentation. My written dispute was sent by certified mail, and USPS tracking shows it was picked up in XXXX, XXXX on XX/XX/year>. Despite the account being disputed and despite unresolved documentation issues, XXXX sent a Notice of Intention to Sue dated XX/XX/year>. The envelope was postmarked XX/XX/year>, and I received it on or about XX/XX/year>. The letter threatened suit within ten days of the letter date, giving me only a limited period of actual notice. The account remains disputed. The materials provided appear to consist primarily of account statements and do not fully resolve the disputed issues, including complete historical payment accounting, prior Midland/MCM payment arrangements, chain of assignment/ownership, standing to collect, legal liability, the date of last payment/default, and reconciliation of the claimed balance. I also have other Midland/MCM accounts with payment arrangements, and I requested clarification as to why this account was separated from or excluded from any existing arrangement. I am requesting that XXXX and Midland : 1. Confirm in writing that the account is coded as disputed ; 2. Provide complete documentation of ownership, standing, payment history, and balance calculation ; 3. Explain why a lawsuit-threat letter was sent after my prior dispute was received ; 4. Confirm whether legal collection activity will be suspended while these disputed issues are reviewed ; 5. Communicate only in writing. I do not admit liability, acknowledge the alleged debt, promise payment, reaffirm any obligation, or waive any rights or defenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
This debt was first brought to my attention in XXXX of XXXX, when a company I had never heard of contacted my job and stated they were garnishing my paycheck for an auto loan supposedly taken out in XXXX. I did not authorize this loan, I never applied for it, and I have never used or provided the personal information listed in the documents associated with this account. The documents I eventually obtained contain multiple indicators of fraud, including a misspelling of my legal name, mismatched personal information, and a vehicle trade-in that is impossible for me to have made. According to the creditor, this loan was approved using a trade-in of a XXXX XXXX XXXX I have never owned, driven, or had possession of a XXXX XXXX in my life, so it is not possible for me to have traded XXXX in or used it toward the purchase of a vehicle. This alone confirms that I am not the person who initiated or benefited from this transaction. Despite having provided evidence of identity theft and clear proof that the information does not belong to me, I have been subjected to wage garnishment for a debt I did not create. This situation has caused a severe financial crisis, as funds are being taken directly from my paycheck without proper verification, documentation, or response from the collecting agency. I am urgently requesting a full investigation, immediate cessation of garnishment, and verification from all relevant agencies 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 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I apparently had a {$52.00} collection with XXXX but received no notification about this. Took a XXXX point credit hit. CCS did not do their job properly and it XXXX me. I would have gladly paid {$52.00} to avoid a XXXX point credit hit. I just paid with XXXX just now once I found out. https : //www.ccsusa.com/contact_us.html

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Received past due notice from Wells Fargo Bank, N.A, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX advising account scheduled to " Charge Off ''. It stated that there was a balance of {$8300.00} with Amount due of {$1700.00} and past due amount of {$1400.00}. Neither me or my wife have applied for or requested a card from Well Fargo. This account was opened without my approval. Believe this was identity fraud. I have filed a complaint with credit report agency. Past due report received on approx. XX/XX/year>2026. Filed dispute on same date. Filed police report on XX/XX/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 monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: OH

Complaint narrative:
I recently discovered XXXX collection accounts reported by Americollect on my credit report in the amounts of {$680.00} and {$890.00}, both opened on or about XX/XX/XXXX. These accounts appear to be related to services from XXXX XXXX with dates of service on or about XX/XX/XXXX, and XX/XX/XXXX. I do not recall receiving proper notice, complete billing information, or sufficient validation of these alleged debts before they were placed into collections. I have not been provided with adequate documentation showing how the balances were calculated, whether insurance was properly processed, or proof that Americollect has the authority to collect these amounts. After becoming aware of these collection accounts, I attempted to review the information and determine the validity and accuracy of the debts. However, I still have not received sufficient documentation or verification. The reporting of these accounts has negatively affected my credit profile and ability to obtain financing. I am requesting an investigation into the accuracy and validity of these accounts and the reporting practices associated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I deposited a check from my mother in law on XX/XX/XXXX due to her helping us cover expenses from being with my father in law as he passed away a few day before depositing the funds. The check was then rejected informing me my husband was removed from the account. I then added him back again, redeposited the check and now have been told there is a hold on the check but can not disclose to me why. The funds were released from chase to XXXX. Ive sat on the phone for XXXX days, over XXXX hours at a time on the phone while my account has been in the negatives while they hold a check without reason being released to me. Ive been asked did you father in law bank with us as a response. I am infuriated at how this has been handled. How inhumane this is and that I as a costumer am being told there isnt an answer besides to wait. This is disgusting how this has been handled.

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 2026-05-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMS-Recovery Management Services, Inc.
State: NY

Complaint narrative:
Recovery management services sent me a bill for XXXX XXXX from XXXX XXXX university. I do not have a loan to this amount with XXXX XXXXXXXX XXXX I had very little loan with XXXX XXXXXXXX XXXX but due to incorrect master promissory notes, the loans got cancelled but they kept passing the loan to other debt collectors like recovery management services. The loan is invalid and can not be sold to other debt collectors and it can not be collected due to invalid master promissory note which states the loan is private but on other pages states its a federal loan. Therefore, it can not be collected or sold to other debt collection.

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XXXX In XX/XX/XXXX I bought a used XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX and financed it through Santander Consumer USA. The dealer required a {$16000.00} down payment and had me send thousands of dollars in cash and XXXX transfers directly to the XXXX XXXX XXXX, including {$4500.00} specifically for a XXXX extended warranty, while the written contract also finances a separate {$4500.00} charge to XXXX for XXXX CONTRACT. I later learned that this XXXX warranty was never activated and has never provided coverage ; when the car broke down soon after purchase with a leaking radiator, the manager refused to process a warranty claim, sent me {$1500.00} by XXXX for parts, and told me to go claim the car a lemon instead. XXXX has since sent me a {$9600.00} check tied to the nonactivated warranty, but my auto loan is still over {$30000.00} after roughly {$34000.00} in payments, with only about {$12000.00} reducing principal and the rest going to interest on a loan that was priced and structured around a warranty that did not actually exist

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
I am writing to file a complaint against Rocket Mortgage , LLC, regarding their failure to provide a reasonable opt-out mechanism as required by Regulation P of the Gramm-Leach-Bliley Act ( 12 CFR Part 1016 ). Rocket Mortgage recently acquired the servicing rights to my mortgage and, I received their privacy notice today in the mail. The privacy notice provided only a single opt-out method : a toll-free telephone number. When I called the toll-free number to exercise my opt-out right, I was placed on hold for over XXXX minutes before I was able to speak with a representative and complete the opt-out. During that time, I had no ability to opt out through any other channel no online form, no written mail-in option, no email address was provided. My concern is twofold : XXXX, providing only a phone number as the sole opt-out channel, with hold times exceeding XXXX minutes, does not constitute a " reasonable means '' to opt out under Regulation P. While the regulation permits a toll-free number as XXXX acceptable method, the operative standard is that the means must be reasonable meaning it must function as a practical mechanism, not merely a technical one. A wait time of this length, imposed on a customer simply trying to exercise a statutory right, is unreasonable on its face. Second, I believe this structure providing a single, high-friction opt-out channel may be intentionally designed to deter consumers from actually completing the opt-out process. This would undermine the consumer protection purpose of the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I made a dispute for {$3000.00} on XX/XX/XXXX for a transaction at XXXX XXXX XXXX. The car was misrepresented and did not work. I sent in a complete file of videos, documents, witness statements, messages to Cashapp. They advised that it would be 45 days to get my money back. The seller said that his funds are frozen and came to my home and confiscated the car. I told him that Cashapp has not given me a refund yet, and he still took it and said hes not fixing it or giving me my money, and to take it up with cashapp. even after telling cashapp support that he has the vehicle, and sent in a vast amount of documents, my dispute has still not reached a decision and it is past the 45 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I disputed in different occasions the validity of the referenced debt and request full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX ( b ). I requested to cease all collection activity until provide the required documentation. As required by law : XXXX. Verification of the debt, including the amount and how it was calculated. XXXX. A copy of the original signed contract or agreement bearing my signature that establishes my legal obligation to this debt. XXXX. The name and address of the original creditor. XXXX. Proof of companys legal authority to collect this debt in the State of Florida, including assignment or purchase documentation. XXXX. Proof that company reported accurate information to the credit reporting agencies, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
One day after buying the car, I noticed there was a leak when I took it to the car wash. That same day, the check engine light came on. In addition, they delivered the car to me extremely dirty, even with spoiled food inside. Upon realizing all these problems, I wanted to return the car and get a refund, but the manager flatly refused, claiming that he could not do that, only help me with the 18-month warranty. I only used that warranty that week, and they delivered the car in the same condition. After that, I called again to use the 18-month warranty in XX/XX/XXXX, and no one answered the phone numbers. In XX/XX/XXXX, they answered saying that there was no longer any warranty for any vehicle since the new company VERVENT, only handles collections, so any repair was at my expense. To date, the car has presented multiple failures that can not be fixed because the car has security seals. On XX/XX/XXXX ( less than a year ) I had a serious accident where another driver was at fault, there was a total loss, and my insurance wants to pay much less than what the XXXX company supposedly said the car was worth and calculated my debt. The insurance practically says that the car is worth half of the fraudulent debt that XXXX made me take, leaving evidence that XXXX inflated the prices and left us customers in a financial and legal limbo.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> there was a {$1000.00} transaction through zelle ( reference XXXX XXXX ) sent to a name that I recognize, but spelled incorrectly. When I zelle I always get a confirmation email and text message, I got neither. I did not complete this transaction whatso ever. When I went to wells fargo they called XXXX and eventually came to the conclusion that they do not know where the money went. I was repetedly told to give it ten days and they would take care of it, but every time I called back after the ten days had passed nothing had been done. It is clear that I did not complete the transaction and fraud was performed on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation