vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
I got a call from ( XXXX ) XXXX on Wednesday XX/XX/XXXX at XXXXXXXX XXXX When I called it back, the person that answers the phone claims to be Credit Management Company. I'll tell them " I got a missed call from this number ''. Based on my caller ID number they ask me to confirm my name, but won't tell me what the call is for. When I ask, they say it's for " a business matter ''. When I ask " what's the business matter? ", they say they can't tell me until they confirm who they're speaking with. Why would I give my personal information if I don't know what it's for? Identity theft is real... I go back and forth with probably 10 of them to try and find out what I'm disclosing personal information for. And nobody will tell me until one of them slipped and said " a collection '' after I had to ask at least 4 times. It's no secret I called many times to try and get answers. After speaking with alleged managers XXXX and XXXX, XXXX took me off the calling list when I didn't tell her to ; and XXXX after 12 minutes of going back and forth finally admitted they were ( allegedly ) a collections company. Then hangs up on me because I don't know how to trust them at that point with my information and money. When I look the company up it confirms they're legit, but it also warns to watch out for frauds. They are also the only " collections company '' I've ever spoke with that won't let me know they're calling to collect a debt. Even the hospital lets me know they're calling with my test results before they ask me to confirm any personal information, and that's HIPPA. Correct me if I am wrong, but it's against the law for debt collection agencies to not identify who they are and what they're calling for... I'm just trying to get debt paid off and if the Credit Management that's actually legit is the one that called me, they need to work on their integrity because I don't know how I'm supposed to trust someone that won't make themselves known without omitting important identifying factors. Even if it turns out they were practicing bad business and they replace them with new staff or something, I wouldn't be able to call back to take care of my debt anyways because they blocked me. They claim " the calls are recorded '' - hopefully they are. I selected " repeated or frequent calls '' because that was the closest one that resonated with the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Company : Bank of America , N.A . Issue : Unauthorized Transaction / Operational Negligence Claim Number : XXXX - XXXX Complaint Narrative : I am formally disputing the denial of my fraud claim ( Claim # XXXX ). Bank of America ( BofA ) denied my claim stating the {$200000.00} transfer was " authorized '' by the account owner. This statement is factually and legally incorrect. XXXX. Failure to Authenticate ( XXXX XXXXXXXX ) : On XX/XX/year>, I visited the BofA XXXX XXXX XXXX XXXX resolve a delayed wire. I did not sign any authorization form, withdrawal slip, or transfer agreement. BofA executed an internal transfer of {$200000.00} based solely on the verbal recommendation of a customer service representative. Under Uniform Commercial Code ( UCC ) Article XXXX, a payment order is only authorized if the bank can prove it followed a verified security procedure. A verbal suggestion from a teller does not constitute a valid security procedure for a high-value transfer. BofA has failed to produce any document bearing my signature for this transaction. XXXX. Negligent Circumvention of Security Protocols : By advising me to use an internal " Direct Deposit '' instead of a wire transfer, BofA XXXX actively bypassed the standard federal fraud warnings and " Consumer Disclosure '' forms required for large-sum transfers. This professional advice by bank staff removed the " Verified '' status of the transaction, placing the liability entirely on the bank for failing to obtain a written signature or perform proper authentication. XXXX. Breach of KYC and XXXX Duties : BofA held both the originating and receiving accounts. The bank allowed $ XXXX for a mortgage payoffto be deposited into a business account named " XXXX XXXX XXXX XXXX XXXX XXXX '' The banks internal Anti-Money Laundering ( AML ) triggers and Know Your Customer ( KYC ) protocols should have immediately flagged the mismatch between a " Supplies '' business and a mortgage payoff. BofAs failure to act on these " red flags '' facilitated the immediate loss of funds. Desired Resolution : I demand that Bank of America reopen Claim # XXXX. I request the bank produce the signed authentication they claim to have. If no signature exists, the transfer was legally unauthorized, and I demand a full restoration of the {$200000.00}. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: IL

Complaint narrative:
I opened an account with XXXX XXXX XXXX on XX/XX/year> with a promotion offering a {$1000.00} bonus for depositing {$75000.00} and leaving for XXXX plus another 45 days. I have fulfilled the terms and XXXX XXXX XXXX is refusing to give me the XXXX {$1000.00}. They said I didnt enter an offer code, which was not even listed on their website when I open the account. Their offer of bonuses as fraudulent..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am filing this complaint against XXXX regarding a billing dispute for a XXXX " XXXX in XXXX '' purchase. I have returned the item to the merchant and have proof of delivery for the return. XXXX has provided me with a formal confirmation of the return and a confirmation that a refund was processed. However, XXXX claims they never received the funds. I have opened several cases with XXXX to explain the situation and have provided all emails from XXXX confirming the return and the refund, as well as the official tracking confirmation showing the item was delivered back to the merchant. XXXX has flatly refused to acknowledge any of the proof I have provided. Instead of investigating the merchant 's failure to route the funds correctly, XXXX continues to harass me for payment, to XXXX XXXX of threatening collections for an item I do not have and a debt that is invalid

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: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Tried paying off 90 % of bills, still saying that my credit card utilization is 66 % .. showing late payments or closed accounts, credit score has yet to improve as much as I think it should given the amount of bills that I have paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Panorama Mortgage Group, LLC
State: AL

Complaint narrative:
Subject : XXXX Review Request CFPB Case XXXX To XXXX Customer Relations, I am writing to request an executive-level review of my account following the response provided to CFPB Case XXXX. While I understand the companys position that the XX/XX/year> payment was contractually due, my concern is not about the existence of a payment obligation, but rather the clarity of the communication I received during the servicing transfer period. During that time, I proactively contacted your company, had funds available, and was managing my account remotely while working out of town. I relied on the information provided to ensure I handled my obligations correctly during the transition. Based on my experience, the communication surrounding the payment timing during this transfer period was not sufficiently clear and led to a reasonable misunderstanding. This is my only late payment, and my account has otherwise remained in good standing both before and after this event. Given the circumstances including active communication, ability to pay, and the servicing transition I respectfully request a one-time goodwill adjustment to remove the XX/XX/year> XXXX late payment. I am not disputing the contractual terms, but I am requesting consideration of the circumstances and a fair resolution based on good faith and account history. Please consider all phone calls and notice how lost I was in the different phone calls. If you gathered all of the phone calls, this is my first home and not use to my loan being bounced around. I would appreciate your reconsideration of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On or around [ on XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, I sent a payment of {$4000.00} via XXXX to an individual I was working with to purchase a vehicle from an auction. The agreement was that the vehicle would be purchased and delivered to me after the funds were sent. After sending the payment, I waited for confirmation and delivery of the vehicle. However, the individual failed to provide the vehicle, proof of purchase, or any legitimate documentation regarding the auction transaction. Despite multiple attempts to contact them through calls and text messages over several days, they stopped responding completely. I then contacted my bank to dispute the transaction and report the situation as fraud. My dispute was denied. I am now requesting a full review of this case as fraud due to misrepresentation and non-delivery of goods/services, as the payment was made based on a promised exchange that was not fulfilled.

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 — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
To Whom It may concern, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing a complaint regarding a {$500.00} promotional bonus offer for an American Express Savings account. The promotion required opening a new savings account, depositing at least {$25000.00} within 30 days, and maintaining the balance for 60 days. I opened the account on XX/XX/year>, and deposited {$25000.00} on XX/XX/year>, which met the deposit requirement within the promotional window. I maintained the balance until XX/XX/year>, at which point I withdrew the funds. After the promotional period, I did not receive the {$500.00} bonus. When I contacted American Express customer service, I was informed that I was disqualified because they calculated the holding period using the available balance date rather than the deposit date, resulting in a shortfall of approximately 23 days. I requested a review and goodwill exception, but my request was denied. I believe I acted in good faith and substantially met the promotional requirements, and the issue appears to be due to internal processing timing rather than my failure to meet the intent of the offer. I am requesting that American Express honor the {$500.00} promotional bonus or provide a reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: WA

Complaint narrative:
the company that keeps texted me without my permission is Halsted Financial services. this is a third party debt collector and they are in violation of federal law 15 U.S.CODE 1692C : restrictions on communication with consumers. and 15 U.S. CODE 1692d : prohibitions on harassment or abuse. they keep texted me without permission plus they are trying to collected a debt that they don't have legal right to because I don't owe them the debt. they have never validation of debt or anything. the company that they are trying to collected the debt for is XXXX XXXX XXXX and that company is also not following any laws about validation of debt or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: PA

Complaint narrative:
Hunter Warfield , Inc. contacted me by telephone regarding an alleged rental debt that is approximately 10 years old. During the call, the representative stated that the original rental company could not take action on the debt because of the age of the debt, but that Hunter Warfield , Inc. may be able to take action to collect it. This statement was presented in a way that implied Hunter Warfield had legal enforcement options that the original creditor did not. This representation was misleading and deceptive. A debt that is beyond the applicable statute of limitations is legally timebarred, and a thirdparty debt collector does not gain enforcement rights that the original creditor lacks solely because the debt is being collected by an agency. When I informed the representative that threatening or implying legal action on a timebarred debt is a violation of the Fair Debt Collection Practices Act ( FDCPA ), the representative stated that I was wrong and continued to stand by the claim. Hunter Warfields statements constitute a violation of the FDCPA, including but not limited to : False or misleading representations regarding the legal status of a debt Implying legal action may be taken when such action is not legally available Misrepresenting the extent of the collectors authority to collect a timebarred debt The call caused confusion and distress and appeared designed to mislead me into believing I faced legal conseq uences when, by their own admission, the debt is too old for the original creditor to pursue. I am requesting that this conduct be reviewed for compliance with federal and Pennsylvania consumer protection laws and that Hunter Warfield, Inc. be instructed to cease making misleading statements regarding timebarred debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
I had a CD over {$100000.00} that was to mature XXXXXXXX XXXX XXXX ... I got notice in XXXXXXXX XXXX XXXX from the SC XXXX Unclaimed Property that they had my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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:
Midland Credit Management is reporting a collection account, Account XXXX, on my XXXX and XXXX credit reports for {$11000.00} originating from XXXX XXXX. XXXX shows XXXX payment history for Account XXXX while XXXX and XXXX show active collection markers, creating a cross-bureau inconsistency on Account XXXX. XXXX has not validated Account XXXX. I have not received the complete payment history from origination, the original signed credit agreement, chain of ownership documentation establishing XXXX 's legal right to collect, or an itemized balance breakdown. Additionally, XXXX XXXX. is simultaneously reporting the original charge-off account ( Account XXXX, balance {$20000.00} ) on all three credit bureaus. If XXXX purchased this debt from XXXX, both Account XXXX and Account XXXX should not be reporting simultaneously. XXXX both the original XXXX charge-off and the XXXX collection XXXX the same time inflates the apparent amount of debt associated with this single obligation.

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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute the reinstatement of charges on my account that were previously reported as unauthorized. I identified transactions related to XXXX XXXX that were not made or authorized by me. I immediately reported these charges and opened a dispute with your institution. Following this, the amounts were provisionally credited to my account, which reasonably indicated that the matter was under proper review. However, after several weeks, I received a notification stating that no error was found and that I would once again be held responsible for these charges. This outcome is unacceptable. I did not authorize these transactions, and I clearly and timely contested them. It is both unreasonable and concerning that your institution has determined, without providing any explanation or supporting evidence, that I am liable for these charges. I formally request : A full reversal of the disputed charges ; A detailed explanation of the findings and evidence that led to your decision ; Confirmation that I will not be held responsible for any unauthorized transactions on my account. Please be advised that, if this matter is not promptly and properly resolved, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau and any other appropriate regulatory authorities. I expect a timely response and a fair resolution.

Company response to consumer: Closed with explanation