vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
The documentation provided by the company contains multiple inconsistencies. The photos show only XXXX couch, yet I was charged for XXXX. The photos also show only XXXX trash bag, while I was charged for XXXX. Additionally, there is no itemized breakdown explaining how the charges were calculated. The company also failed to provide justification for full carpet replacement or evidence of damage beyond normal wear and tear. Due to these discrepancies and lack of proper validation, the debt remains inaccurate and unverified. I am requesting full deletion of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Portfolio Recovery Associates regarding an unauthorized wage garnishment and failure to properly notify and validate an alleged debt. On XX/XX/XXXX, I discovered that {$380.00} was garnished from my paycheck without prior notice, communication, or validation of the debt. Upon contacting Portfolio Recovery Associates, I was informed that the alleged debt dates back to XXXX. I have no knowledge of this debt and have never received any written notice, validation, or court documentation regarding this matter. Additionally, I have not resided in the state of New Jersey for over XXXX years. Despite this, no effort was made to properly contact me at my current address. This raises serious concerns regarding improper service and failure to exercise due diligence in locating and notifying me. I have conducted a search through New Jersey Courts records and found no visible judgment associated with this claim. If a judgment does exist, I was never properly served, which is a violation of my rights. This situation appears to be a violation of the Fair Debt Collection Practices Act, including but not limited to : - Failure to provide proper written notice of the debt - Failure to validate the debt upon request - Potential improper service of a lawsuit - Unauthorized wage garnishment without my knowledge I am requesting the following actions : 1. Immediate investigation into this matter 2. Full validation of the alleged debt, including original creditor information and complete payment history 3. Copies of any court judgment, including proof of proper service 4. Immediate suspension of wage garnishment pending investigation 5. Refund of any improperly garnished wages if violations are confirmed This matter has caused financial hardship and distress. I expect a prompt and thorough response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In XX/XX/2025, I initiated a balance transfer of {$8000.00} through Citibank to be applied to a XXXX account. Citibank issued a check payable to XXXX, which was processed and marked as paid on XX/XX/2025. However, the funds were never applied to the intended account. Citibank confirmed the payment was sent, and XXXX acknowledged receipt but has not been able to identify where the funds were applied. Because the check was payable directly to XXXX, the funds were under Chases control and should have been properly applied internally. At this time, the funds appear to have been misapplied to an unknown account. I have contacted both institutions multiple times and requested a trace of the payment, but neither has resolved the issue. Citibank continues to hold me responsible for the balance, charge late fees, and report negative information to credit bureaus despite the funds not being properly applied.

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 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
I am submitting this complaint against Zwicker & Associates, P.C., acting on behalf of XXXX XXXX XXXXXXXX, regarding continued collection and litigation activity on a disputed debt without adequate substantiation of personal liability. Zwicker is attempting to collect on an alleged XXXX XXXX XXXX XXXX credit card account purportedly associated with a business entity. I dispute any personal liability for this obligation in its entirety. I did not open, authorize, or personally guarantee the alleged account, and I did not receive any personal benefit from it. I provided written notice disputing the debt and requested validation. Despite being on clear notice that liability is disputed, Zwicker has continued collection activity and has maintained the position that I am personally responsible. Zwicker asserts that it previously provided validation in the form of billing statements and account terms. However, those materials do not establish that I am personally liable for the alleged obligation. They do not include competent evidence of a valid, executed personal guaranty or other documentation linking me individually to the debt. Continuing to represent that I am personally liable, without possessing or providing documentation sufficient to substantiate that claim, is misleading and improper. It places the burden on me to disprove liability while Zwicker proceeds as though the obligation has already been established. In addition, Zwicker has continued collection and litigation activity despite the unresolved dispute regarding authorization and liability. Using the legal process to pursue a disputed and unsubstantiated obligation raises serious concerns regarding the accuracy, integrity, and fairness of their collection practices. This conduct has caused harm, including damage to my credit profile, reputational harm, and the expenditure of substantial time and effort to dispute and respond to claims that have not been properly supported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
The first complaint XXXX and this regarding Velocity Investments LLC , I tried explaining to CFPB regarding this companys tactics. Then about a week ago my mother shows me another letter from Velocity Investments and I filed complaint XXXX regarding their threatening tactics again and suing me in a state I do not live in. Today is my third complaint regarding this company their attorney, XXXX XXXX XXXX who signed an affidavit stating I reside at XXXX XXXX XXXX while being duly sworn in the commonwealth of Pennsylvania. A false affidavit about your residency would more commonly fall under issues such as : 1. Perjury / false swearing * if knowingly false under oath 2. Fraud upon the court * if filed in a legal proceeding to mislead a court 3. Improper service/ lack of jurisdiction * if the false address was used to claim a court had authority over you 4. State consumer protection or debt collection laws * especially if tied to collection activity. According to 15 U.S.C. 1681s-2 duties of furnishers to report accurate information and 15 U.S.C. 1681e ( b ) requirement for reasonable procedures to assure accuracy. Velocity Investments LLC has violated this three times already. They have violated me on this repeatedly ; following 15 U.S.C. 1681i failure to reinvestigate disputed inaccurate information if you disputed the false address and the bureau failed to correct it within about 30 days. Which I have stated with the CFPB twice on complaint file # XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX on XXXX, I received text and email notifications of questionable charges for {$410.00} at a XXXX XXXX XXXX XXXX from Citi . I logged into account and responded that charges were not authorized, and immediately cancelled the card number ( they issued a new number ). On XXXX a second charge for a XXXX XXXX XXXX in XXXX, PA for XXXX showed up in pending. I notified Citi that this charge ( against a cancelled card ) was also fraudulent. Both remained in pending until this week when they were posted to my account. New card is in process but I am using new account number for my own legitimate charges. Spoke to Citi again today to inquire why the fraudulent charges were posted, they say they have 90 days to resolve and will not remove the charges until they receive credit from the hotels. These charges in excess of $ XXXX are now accruing interest, which they say they will credit if and when the fraud case is " resolved '' and they receive their money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I've closed out my CD on XX/XX/XXXX or XX/XX/XXXX and told the agent to deposit it to my savings account hopping next week it will be available to use. Nest week when I checked the money wasn't there. I waited for a full week to see it might taking little longer. Next next week when I didn't see my money I called the bank. They started investigating and open up a ticket but they didn't send me any communication. I called several times, every time difference person tells me they are still investigating. I'm getting freaked out and very much stressed. They are not telling me what is wrong or what is going on. I want my money back as soon as possible. I want detail explanation the reason for delay. I want the compensation for the delay that the money I lost. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
1. I am requesting a full explanation of the New Investor XXXX Name, Address, Phone & Contact information for the Investor Transaction on XX/XX/XXXX and any documents XXXX Servicing mailed to us at XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX regarding this New/Old Investor transaction. Please see the attached Transaction History from XXXX XXXX and the transactions 182 & 183 on XX/XX/XXXX. Please provide the full information requested above for both New Investor XXXX and Old Investor XXXX and any documents XXXX XXXX has regarding this Investor Transaction 2. Full accounting history and explanation from XXXX on the misappropriation of suspense payment account that XXXX caused account to alleged default of XX/XX/XXXX, when clearly the funds for XX/XX/XXXX were available over {$7000.00} in the suspense account from modification payment & partial payments ordered by XXXX Judge while in XXXX court and ordered to make 60 % monthly payments which were made by XXXX each month & XXXX was fully aware of and what the funds were being used for while in suspense payments account. {$3000.00} was misappropriated from the suspense payment account, which should still be there along with the {$1600.00} that is currently in the suspense payment account which would make The account is not in the alleged default and should be in good standing and all actions made by XXXX since XX/XX/XXXX are Void.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XX/XX/year> - Money sent to XXXX XXXX to deposit into a checking account at CapitalOne XXXX-CapitalOne received the money XX/XX/year> - Acct holder was told the account had been restricted due to activity was inconsistent with typical customer account usage, even though it wasn't inconsistent. XX/XX/year> - Acct holder was told the account had been closed because the activity was inconsistent with typical customer account usage, even though it wasn't inconsistent. XX/XX/year> - Called XXXX XXXX thinking they would be getting the money back to refund to me. They said there was nothing that they could do and I needed to call CapitalOne. XX/XX/year> - Called my bank to see if they could do anything and since it showed that the money had been sent successfully to the correct account there was nothing they could do. XX/XX/year> - Called CapitalOne they couldn't tell me anything because the account isn't under my name which I completely understand. The account holder had already called them 3 times trying to get information and they wouldn't give her information. XX/XX/year> - XX/XX/year> there have been multiple calls back and forth between myself, the account holder and CapitalOne and my money is nowhere to be seen. {$1900.00} isn't a lot of money to them but it is to me. XX/XX/year> - It has been 56 days and the money is nowhere to be seen. I don't know how much we can do at this time but I need that money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I received a credit report alert about my ssn being compromised in XX/XX/XXXX but I couldnt do much because of COVID. I didnt know a credit card was opened with my ssn. The address linked to the account is my very old address. I now reside in XXXX. So whoever did this had access to my old address. The original creditor was XXXX XXXX. Account was opened in XX/XX/XXXX. The balance is {$730.00} and the last four digit of the account is XXXX. This is really affecting my personal credit and business credit now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I checked my escrow account and see that I have negative money in there. I called Rocket Mortgage, who realized that I have the same account number as another customer, and they inadvertently paid someone elses insurance premium for XXXX out of my escrow account. I have been trying to get this resolved for over a month, and the money has still not been put back into my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had filled out an application to have my vehicle wrapped to advertise " XXXX XXXX '' and receive {$700.00} per week for advertising the company. I then received a {$3000.00} ( and some odd dollar amount ) check along with instructions on how to handle the check and proceed with the offer. Mind you, I am completely unaware that I'm being scammed. The check was real ; it was made out to me, XXXX XXXX. So I followed the instructions and tried to deposit it into my account. I was unsuccessful in doing so via mobile deposit and instructed to bring the check to a branch to have it deposited. So I did exactly that, but the lady at Wells Fargo instructed me to take it to the bank that the check was from, which was XXXX Bank, due to the check having " for Wells Fargo mobile deposit '' written on the back. Per Wells Fargo 's mobile deposit instructions, a hold would be placed on it, and I'd be better off taking it to XXXX to have it cashed. And again, I followed the instructions and took it to XXXX Bank because, again, I was completely unaware that the check wasn't legitimate. I took it to XXXX Bank and was informed then that the check wasn't in the system and was fraudulent. Wells Fargo has permanently closed both of my accounts with them ( Wells Fargo ) due to this, and I don't understand how this can be policy. I was scammed, and due to that, I'm being punished? So now my {$500.00} that I won from the XXXX XXXX by the name " XXXX XXXX '' is being sent to a closed account, and it's causing me a lot of trauma because I am set to move tomorrow, and without my {$500.00}, I'm going to be on XXXX XXXX with nothing. And nobody seems to care, nor will they even listen to me ; they just keep saying there is nothing they can do. I thought your bank was supposed to be there when you are struggling, but Wells Fargo is punishing me for being scammed as if being scammed isn't bad enough. I'm honestly just mind-blown, and I demand help ; this can't be right!

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 2026-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
M & T Bank has furnished incorrect and inaccurate information to XXXX XXXX XXXX for the period of XXXX through XX/XX/year>. I have contacted both credit reporting agencies on multiple occasions to request corrections to these records ; however, to date, no corrections have been made and I have not received the results of any investigation. Furthermore, I was advised during a phone call with the credit reporting agencies to contact the original furnisher directly to resolve the matter. Note : M & T Bank will a physical copy of this document in the mail for tracking purposes.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Subject : Failure to Reconcile Assets/ Violation of Fair Credit Billing Act Merchant : XXXX ( XXXX # XXXX ) Disputed Amount : {$850.00} Description of Issue : I am filing this complaint because Wells Fargo ( WF ) has failed to conduct a reasonable investigation into a billing error, incorrectly classifying a separate Asset Sale as a Merchandise Refund. Contractual Pricing Error : Per Attachment 1 ( Invoice ), the agreed-upon net price was {$230.00}. However, the merchant charged my account the full retail price of {$850.00} ( Attachment XXXX ). Asset Sale vs. Refund : Wells Fargo denied dispute # XXXX claiming I had been " refunded ''. This is factually incorrect. XXXX XXXX XXXX XXXX : Attachment XXXX ( Email ) explicitly confirms that the {$620.00} in credits for Order XXXX are " Trade in Credits '' for my separate XXXX XXXX Plus asset. Bank XXXX Evidence : Attachment XXXX ( XXXX ) shows XXXX specific credits ( {$350.00}, {$140.00}, {$87.00}, {$36.00} ) totaling {$620.00}. These credits match the merchants trade-in confirmation exactly and are not a refund for the XXXX hardware. The Failure to Reconcile : By denying the dispute, Wells Fargo is allowing the merchant to keep my {$850.00} cash while misidentifying the payment for my trade-in asset as a refund. The merchant has further blocked a hardware return through an internal XXXX processing delay.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card and phone were lost on XX/XX/year>. Unauthorized ATM withdrawals totaling {$3800.00} occurred between XX/XX/XXXX and XX/XX/XXXX in New York. I was physically present in California at work during this entire period and have documentation proving this, including timesheets and location history. This is an impossible travel situation. I reported the fraud to XXXX and requested an investigation and reimbursement. XXXX denied my claim stating that the correct PIN was used and that there was login activity after the claim was filed. However, a correct PIN does not establish authorization when a card is lost or stolen, and my PIN may have been compromised without my knowledge. Additionally, my phone was lost at the same time as my wallet, so any login activity could have been performed by the individual who had possession of my device. This is consistent with account takeover fraud. XXXX did not provide evidence that I conducted these transactions, did not confirm reviewing ATM surveillance footage, and appears to have disregarded my documented proof of location. I am requesting reimbursement of the {$3800.00} in unauthorized withdrawals and a proper investigation in compliance with the XXXX XXXX Transfer Act ( Regulation XXXX ). XXXX previously reimbursed other unauthorized transactions on this account but denied these ATM withdrawals, even though they occurred during the same time period after my wallet and phone were lost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation