vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I am filing this complaint against Midland Credit Management ( MCM ) regarding an issue with their written communications for multiple accounts. MCM has sent me debt notices letters for the following account numbers : Ref # XXXX ; Ref # XXXX ; Ref # XXXX ; Ref # XXXX I am currently unemployed and facing significant financial hardship. Because of my current financial situation, I rely on the free electronic communication and dispute channels that MCM claims to offer in their letters to resolve these matters without the added cost of postage or certified mail.

In every one of these letters, MCM provides a specific email address as a primary method for contact and dispute. However, this email address is non-functioning/undeliverable. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F, debt collectors are prohibited from using deceptive or misleading representations to collect a debt. By providing a broken contact method in their official 'Written notification about debt, ' MCM is effectively obstructing my legal right to dispute these debts electronically, a right they explicitly claim to offer in their letters. 

This is not an isolated error, as it has occurred across all the account numbers listed above. Because Midland Credit Management has failed to provide a fair, legal, or functioning method of contact and because I am currently unemployed with no source of income I am requesting that MCM cease all collection activity and write off these debts in their entirety. Their failure to provide a valid communication channel has stripped me of my right to resolve or dispute these matters during a time of extreme financial hardship. I am requesting a total dismissal of these accounts and their removal from my credit report as the only fair resolution for these systemic and deceptive practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
My mortgage servicer received insurance proceeds related to damage at my Colorado property and held the funds for several years without paying interest. 

The servicer received {$640000.00} on XX/XX/XXXX and kept the money in an account I could not access or see. During this time, I continued making regular mortgage payments at 2.75 % interest. 

The servicer released the money to me in XXXX payments : {$210000.00} on XX/XX/XXXX {$210000.00} on XX/XX/XXXX {$210000.00} on XX/XX/XXXX Colorado law requires mortgage servicers to hold insurance proceeds in an interest-bearing account and to pay the borrower the interest earned. Based on the national money-market rate used as the minimum benchmark, the interest owed is approximately {$9600.00}. 

The servicer has not paid any interest and has not provided an accounting showing how the funds were held or whether interest was earned. I am requesting that the servicer be required to provide a full accounting and pay the interest owed. 

I have spent hours on the phone trying to resolve this. I've been passed back and forth between the insurance loss and mortgage departments, each of whom tell me they 'do n't do that ' ( hold the funds in an interest bearing account ) and refer me to the other department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unauthorized XXXX transactions were debited to my account ending in XXXX. I did not initiate or approve these XXXX transactions. In fact, my Bank of America checking account is NOT enrolled in the XXXX service, and was NEVER enrolled. There were a total of eleven transactions totalling {$3200.00} debited to my account in XX/XX/year> ( attachment herewith ). I filed a fraud claim with Bank of America but my claim was denied ( attachment herewith ). I wrote several letter explaining and demanding my monies back, but Bank of America declined ( attached herewith ).

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 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
My account had went up {$2000.00} about a year and a half ago when I asked HR about it the supervisor XXXX he never gave me a response and he kept calling me and asking me to beg my family for money I was having and still having medical issues and everything is out of my control I've always been a good customer but he has had several people harass me and the women that work for Mas financial XXXX are very rude and not understanding at all. I do admit that I did raise my temper and cussed at them a few times and I understand that it is wrong to do that but for the most part they were very rude and they were telling me my medical issues we're not an excuse not to pay them I trade in my vehicle had just paid off and they gave me the loan but the place I got it from XXXX motors or XXXX XXXX shut down or close down. I've explained my situation to them and I just would like to file a complaint against them when I said I was going to hire a lawyer the transferred my account to another financial company but I was more than willing to give him the car back they just didn't want to come get it the transmission went out on it I explained this to them and there was no point in me keeping it I gave it back to them but I was still going to pay it off it's just taking me a long time right now I apologize for the inconvenience have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The person i was in contact with was the " owner '' of a house, after touring house, signing lease, paying him {$4800.00} in rent and fees, he was scam ... hes done this before come to find out

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 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: NY

Complaint narrative:
Unifin/XXXX I received text messages multiple occasions prior and including XXXX XXXX XXXX from UNIFIN regarding a debt that is past the SOL. the notice clearly stated that eventhough the debt is expired, making a payment may restart the time or revive the statue of limitations. and furthermore i never provided consent to send electronic messages to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I made a complaint against Synchrony Bank on XX/XX/year> and XX/XX/year>. On XX/XX/year> I stated I could not read my statements for my accounts through Synchrony Bank, such as XXXX, Care Credit, and XXXX XXXX. My Complaint Today is threefold. # 1. I can not make a payment online as I could last month, and as the previous months of opening credit cards through Synchrony Bank. # 2. I telephoned Synchrony through XXXX XXXX phone number and spoke with a representative. The representative stated since my card is closed, I will no longer have access to view my statements online or make payments. I told him I have a XXXX Credit Card that is closed, yet I still have access to view statements online. The Rep stated he would transfer me to technical support, but to realize that I will NOT be able to view online anymore due to my accounts being closed. I then stated that I would like my statements to be mailed, because I have a right to see my monthly statements. The Rep stated if they mail out my statements that they would charge me for mailing out my statements. I stated that this is unfair and unjust. I then said to Rep to transfer me to technical support. # 3. The representative from XXXX Synchrony Bank hung up on me. As stated previously in my previous complaints this month, I can not get through to Synchrony Bank ; however, I got through today, because I blocked my number and did not provide credit card information. Sadly, the Rep hung up on me, proof that they are ignoring me and not wanting to assist.

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 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: KY

Complaint narrative:
On XX/XX/year>, a {$230.00} Klarna Balance top-up was processed through my debit card via XXXX XXXX without my authorization. I did not open or use any Klarna account, and I did not approve this transaction. 

Upon discovering the charge, I immediately contacted Klarna to dispute the transaction and requested that they investigate the fraudulent charge. Klarna responded that they could not locate the transaction without a formal chargeback. 

I also contacted XXXX XXXX to dispute the unauthorized transaction and requested that they provide the transaction ID, authorization/processor trace numbers, date, time, and card information used, or initiate a formal chargeback so Klarna could locate the transaction. XXXX XXXX denied my disputes and refused to provide the requested information or initiate a chargeback. 

Despite providing both companies with the transaction amount, date, and card details, Klarna has failed to investigate or refund the unauthorized charge, and XXXX XXXX has refused to cooperate in a way that would allow Klarna to investigate. I have attempted to resolve this issue directly with both companies multiple times, but the problem remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I am requesting validation of the debt you allege I owe, as provided for under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide verification of the alleged debt, including : - The amount of the debt - The name of the original creditor - Documentation showing that I am legally obligated to pay this debt - Proof that you are authorized to collect this debt Until such validation is provided, please cease all collection activity and communication regarding this matter.

This request is not an acknowledgment of any debt or an agreement to pay.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
As of XX/XX/XXXX. 2026 i spoke to an agent at Jefferson capital system. I requested for for the purchase agreement, bill of sale and transfer of assignment. The representative state they will send me information via email. I am demanding for the collection to be deleted immediate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, I received a gift card from XXXX XXXX and I was able to use it XXXX, but then it got declined because of a transaction that was made in XXXX - XXXX ( I live in XXXXXXXX XXXX  ) and I also have the gift card in my posession. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
I participated in a debt settlement program administered by Beyond Finance with funds held in a dedicated Special Purpose Account through XXXX XXXX XXXX. 

On XX/XX/XXXX, {$820.00} the entire remaining balance of my escrow account was withdrawn and labeled as a settlement fee, reducing my account balance to {$0.00}. 

There was no creditor payment, no settlement agreement, and no settlement approval on that date. 

My account statement already reflects individual settlement fees charged at the time of prior settlements between XXXX and XXXX. This {$820.00} was taken separately at program exit and does not correspond to any creditor settlement. 

When I contacted Beyond Finance, I was first told the amount was a scheduled program fee. I was later told that they moved all fees to the end. After further inquiry, they claimed the fee was related to a debt allegedly cancelled in XXXX. However, a cancelled debt is not a settled debt and does not generate an earned settlement fee. Additionally, if the fee were tied to a XXXX settlement, it should have been charged at that time, not in XX/XX/XXXX. 

I requested documentation identifying the creditor, settlement agreement, approval record, proof of payment, and explanation of how the {$820.00} was calculated. None has been provided. 

I am disputing this withdrawal as an unearned back-end settlement/program fee and requesting refund of {$820.00} along with a full itemized accounting. 

My contract explicitly states that program fees are only earned when ( 1 ) a settlement is reached, ( 2 ) I approve the settlement, and ( 3 ) the first creditor payment is made. It also states that upon cancellation I am entitled to a refund of all escrow funds less only earned fees. On XX/XX/XXXX, {$820.00} was withdrawn with no corresponding creditor payment or settlement. Therefore, under Section XXXX of my contract, this fee was not earned and should have been refunded. 

XX/XX/XXXX XXXX settlement agreement signed XXXX Payments made Settlement fees already charged during this period ( your statement shows them ) XX/XX/XXXX {$820.00} taken with NO creditor payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We are reporting a catastrophic failure of corporate security protocols at JPMorgan Chase. Since XXXX, our organization, XXXX XXXX XXXX, has maintained accounts with signers XXXX XXXX and XXXX XXXX. In XXXX XXXX XXXX Chase permitted an unauthorized third party ( a terminated XXXX  and a former employee ) to remove the legitimate signers and seize control of all corporate funds. 

The bad actors used a fraudulent " Statement of Information '' and manufactured board minutes to bypass nearly XXXX  years of established account history. Chase failed to contact the existing signers to verify this change, in direct violation of standard KYC ( Know Your Customer ) and corporate governance protocols. 

The bank is currently refusing to freeze the account or restore access, demanding the presence of the very individual ( XXXX XXXX ) who hijacked the account. This negligence has resulted in the conversion of XXXX  funds and complete operational interference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, I rented a car in XXXX, XXXX for XXXX days. The vehicle developed a mechanical failure the next day and would not accelerate beyond XXXXXXXX XXXX. I contacted the rental company using a local phone, and they instructed me to drive to a major interstate to wait for a tow truck. The car was towed, and I was unable to reach the company again for over XXXX hours. 

When I finally spoke with a representative, I requested a replacement vehicle or directions to a nearby office. I was told the only option was to return to the original XXXX office, which was XXXX hours away and not feasible. I requested a refund, and they directed me to email customer service. Their written responses ( attached ) stated they would not provide a replacement vehicle and would not refund unused days. 

Because the company refused to provide transportation or a reasonable remedy, I had no choice but to rent another car locally. This mechanical failure and the resulting expenses were entirely outside my control. 

Later, I received an unexpected invoice for XXXX ( {$750.00} ) for contaminated gas, even though the gas was provided by the rental company. I had purchased full coverage insurance at the time of rental, so this charge was improper. I opened a fraud claim with Bank of America, cancelled my card, and was later told to reclassify the case as a claim. 

Bank of America denied my dispute despite the documentation I provided. I have resubmitted the claim with full evidence, including the tow confirmation, email correspondence, and proof that the company refused both a replacement vehicle and a refund, but B of A denied the claim anyways.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Schreiber Law LLC
State: CT

Complaint narrative:
Schreiber Law LLC is currently asserting that I owe an unpaid debt that is negatively impacting my credit score. Despite my formal request for a comprehensive breakdown of the alleged balance and a copy of the original contract bearing my signature, the firm has failed to provide any supporting documentation. Specifically, Schreiber Law LLC was given a XXXX window following the delivery of a physical dispute letter, followed by an additional two-week grace period after a follow-up email, yet they have failed to verify the debt within either timeframe. The collector has failed to meet their legal obligation to validate this debt under the Fair Debt Collection Practices Act ( FDCPA ). I am formally requesting the CFPB to intervene and ensure this unverified and unsubstantiated debt is permanently removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I didn't open up a account with this merchant with they say they are the original merchant. 

Portfolio Recovery {$3000.00} XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I previously submitted a fraud claim and the Home Depot and Citi Card companies refused my request to not charge me for items that I did not purchase or receive. I contacted the XXXX XXXX XXXX  and they opened a case. The detective interviewed the Home Depot Manager who provided him with photos of the individual making the purchases. I had a meeting with Detective XXXX XXXX XXXX of the XXXX XXXX XXXX  and he told me to reopen the case as he had developed information that I was not the individual who was making the purchases. He also indicated that they had search warrants issued to Home Depot and Citi Bank. The case number for the XXXX XXXX XXXX  is 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 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems International , Inc. is reporting a utility collection account that I did not open, authorize, or benefit from. This account is the result of identity theft. 

I filed an FTC Identity Theft Report ( Report # XXXX ). Continued reporting of this account violates FCRA 605B, which requires mandatory blocking and deletion of identity-theft-related information.

Company response to consumer: Closed with explanation