vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Was sick & tried to improve property value- which I did- got really behind Had to Pay Select Portfolio Servicing ( {$35000.00} 0 or face legal action- to reinstate loan end of last year & now almost broke. We desperately NEED a refinance!! / Select Portfolio Servicing told me last I was qualified for a Modification- I applied - 30 days later they denied me- 30 days after they threatened me to Pay {$35000.00} to re-instate the loan of face Foreclosure ( on credit report but did NOT happen )- They then DOUBLED our Payment - Been looking for " HELP " ever since. PLAESE!!! Would like to leave Taxes & Insurance OFF!! I really don't think the so called Underwriters are willing to really HELP People in my position with financial setbacks. They say we Would IF we Could- but reality they say " We just don't give a XXXX and we don't have to care " Just received a " Notice of Default - Right to Cure " Notice Can Mortgage Company legally be stopped from having You thrown out during legal actions/ proceedings going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding American Expresss refusal to properly investigate and resolve unauthorized charges made on my credit card by my XXXX child. On or about XX/XX/XXXX through XX/XX/year>, multiple charges totaling approximately {$3500.00} were made to my American Express account through XXXX XXXX App Store/in-app purchases ). These transactions were made by my XXXX child without my knowledge or permission. My child did not understand that these actions would result in real financial charges. I did not authorize these transactions, nor did I knowingly permit my child to make purchases of this kind. I promptly contacted XXXX multiple times to request refunds, but my requests were denied and no dispute was allowed. I then contacted American Express to dispute the charges as unauthorized use. This activity also represents an unusual and significant spike in charges that I identified and reported promptly. However, American Express declined to investigate or process the dispute, stating that the charges were considered authorized because they were made by a family member and accepted by the merchant. I believe this response is inconsistent with my rights under the Fair Credit Billing Act, which protects consumers from unauthorized charges. These transactions were not authorized by me, the cardholder, and were made by a minor without capacity to provide informed consent. I am requesting that American Express reopen this dispute and conduct a proper investigation, reverse the charges totaling {$3500.00}, and provide written confirmation of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year> I received an email from CashApp saying that they were closing my account for violation of terms of service. I immediately called the customer service number to inquire what terms of service was purportedly violated. I received no specific details or information other than to read the terms of service. I read and reread the the terms of service to which I have found no related violations for me and the transactions conducted under my account. I filed an appeal with CashApp and received a denial with no additional specifics.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing a complaint regarding how my dispute was handled for multiple transactions made through my account. The transactions were for purchasing credits on a dating platform. I acknowledge that I voluntarily made these purchases and that the credits themselves were delivered. However, I made these purchases under the belief that I was interacting with real, verified individuals on the platform. After the transactions, I conducted my own investigation and contacted several individuals whose photos were used in the profiles I interacted with. Multiple individuals confirmed that they never created or used accounts on this platform and that their images are being used without their permission. One individual provided a voice message clearly denying any involvement with the site. This raises serious concerns about misrepresentation. While the technical aspect of the service ( credits and messaging ) functioned, the core service I believed I was paying forcommunication with real individualsappears to have been misleading. I previously filed a dispute, but it was denied. Since then, I have gathered substantial additional evidence, including direct confirmations from multiple individuals and supporting documentation showing my interactions and transactions. Despite this, I am concerned that my evidence was not fully or properly considered. I am requesting a thorough review of my dispute with consideration of the new evidence provided, and I am seeking a refund for the disputed transactions based on the misrepresentation of the service. Thank you for your time and attention to this matter. LosXXXX {$2700.00} starting in XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Complaint Against Debt Collector Failure to Validate Debt and Unfair Collection Practices I am submitting this complaint regarding a debt collection account that I believe is inaccurate, unverified, and being handled in violation of my consumer rights. In or around XXXX [ XXXX ], I was served with a summons by the debt collector regarding an alleged debt. I responded to the summons within the required timeframe and formally requested validation and proof of the debt. Since that time, the debt collector has failed to provide any adequate documentation verifying that the debt is mine, including any signed agreement, account statements, or itemized breakdown of the amount owed. Additionally, after I attempted to resolve the matter, I contacted the debt collector and offered to pay the alleged debt in exchange for removal from my credit report. I was told by their representative that they would not agree to remove the account and that they would proceed with court action. However, despite that statement, the debt collector has taken no further legal action and has not communicated or responded in approximately XXXX ( XXXX ) months. Their failure to validate the debt, combined with their lack of follow-up and prior threats of legal action, raises serious concerns regarding : - The legitimacy of the alleged debt - Their compliance with the Fair Debt Collection Practices Act ( FDCPA ) - Potential unfair, deceptive, or abusive practices I am requesting the following : 1. Full validation of the alleged debt, including proof that it belongs to me 2. Documentation supporting the amount claimed 3. An explanation for the lack of follow-up after initiating legal action 4. Removal of this account from my credit report if proper validation can not be provided This situation has caused unnecessary stress and confusion, and I am seeking resolution and enforcement of my consumer rights. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Made a purchase on XX/XX/26 of {$230.00} off of " XXXXXXXX XXXX website. I emailed them within minutes asking to cancel my order. Emailed them the next day, they said that they " didn't receive my email '', and that the order had been already shipped! The order arrived at my XXXX XXXX on XX/XX/26. The Company demanded that I return the package unopened for a refund which I did with the aid of the postal clerk on that day, with the shipping cost of {$12.00} I paid which the company also demanded. The package was delivered back to the company on XX/XX/26 at XXXX yet the company said, in several emails to me that it had not received it. I went back to my XXXX XXXX, got the delivery receipt which they demanded, from the clerk and emailed a photo of the receipt to the company. I've emailed the company back, SEVERAL times since, without a response. It is now Sunday, XX/XX/26. The company shown on my bank statement as having deducted the {$230.00} as a debit is XXXX XXXXXXXX XXXX XXXXXXXX, on XX/XX/26. I'm convinced that this is a total scam, and I want my refund. MY COMPLAINT IS NOT AGAINST the Wells Fargo Bank, but is against the company ( s ) that took my money and is refusing to refund it!!!

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 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went to go use my credit card yesterday and it was declined. I called Capital One and they closed out my account. They did the same thing for a great president Donald Trump. They closed out my account. I got ta cut my political beliefs because theres no other reason why they closed out my account I did this before about six years ago, considered discrimination against Republicans. We need to have our president investigate and the administration investigate that matter thoroughly because he went through the same thing with Capital One and we need to cut them down and we need to investigate what theyre doing and he needs to break up the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NC

Complaint narrative:
Subject : Urgent : Incorrect {$2.00} Balance on My Account Today I logged into my Federal Student Aid account and, for the first time, saw a {$2.00} balance listed. This is unexpected and appears to be tied to a consolidation loan. All of my student loans have been paid in full, and I have documentation confirming this. How is it possible that a balance remains, and what is this charge for? Please review and advise so my account can be fully cleared. Regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had a XXXX month interest free credit with comenity capital XXXX and paid them in full minus a credit the dental office was supposed to credit the account .. they finally credited my account and comenity said i still owe interest and fees for not paying on time... I sent them all paperwork on XX/XX/XXXX showing i paid in full .I called them 6 times since paperwork was sent certified mail and kept telling me that they were investigating the problem it is now XX/XX/XXXX never received any response to all interest and fees so I called them and they said investigation was done and I owe them the interest and late fees which is ridiculous it was paid in full...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to address an erroneous debt collection attempt by National Credit Adjust. They claim I owe a debt of {$560.00} associated with account number XXXX. I firmly dispute this claim as I do not recognize this debt, nor have I ever held an account in my name with this creditor. Despite my attempts to resolve this issue, it remains unresolved and continues to affect my credit score significantly, with current scores of XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. On XX/XX/year>, I filed a dispute regarding incorrect details on my credit report, but the issue persists. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide accurate information and prohibits them from engaging in unfair practices. This includes attempting to collect a debt from the wrong person. Additionally, the Fair Credit Reporting Act ( FCRA ) mandates that all information on my credit report be accurate and verifiable. The presence of this incorrect collection account has caused substantial harm to my creditworthiness, impacting my ability to secure favorable credit terms and increasing my financial stress. I am concerned about the negative impact on my future financial opportunities due to this erroneous debt being reported on my credit reports with all three major credit bureaus. To rectify this situation, I am requesting the complete removal of this account from my credit reports with XXXX, XXXX, and XXXX. I expect National Credit Adjust to cease all collection activities related to this account and ensure that my credit reports are promptly updated to reflect the accurate status of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute a collection account erroneously assigned to me by Portfolio Recovery Associates LLC, which is negatively impacting my credit scores. I recently discovered that this collection account, numbered XXXX has been reported on my credit reports by XXXX XXXX XXXX XXXX with a current balance of {$2400.00}. However, this debt is not mine. I first became aware of this issue after noticing a significant drop in my credit scores. Upon obtaining copies of my credit reports, I found that my scores have plummeted to XXXX with XXXX XXXX with XXXX and XXXX with XXXX largely due to this erroneous collection account. This has caused considerable stress and has impeded my ability to secure necessary credit for personal financial needs. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute debts that are not valid. I am exercising this right and requesting immediate action to correct this error. I have not received any prior communication from Portfolio Recovery Associates LLC regarding this debt, nor have I been provided with any evidence that substantiates the claim that this debt is mine. This situation is causing undue harm to my financial standing and credibility. It is imperative that Portfolio Recovery Associates LLC investigates this matter thoroughly and takes swift action to rectify this error. I kindly demand the complete removal of this account from my credit reports with XXXX XXXX XXXX XXXX to restore my credit ratings and prevent further damage. Please consider this my formal notice of dispute, and I expect a written confirmation that this debt has been removed from my credit reports. I appreciate your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, and I am writing to file a formal complaint against Caine & Weiner regarding a debt collection attempt on an account that is not mine. The account number in question is XXXX, with a current balance of {$93.00}. This account has been reported to all three major credit bureaus ( XXXX XXXX XXXX XXXX ) and is negatively impacting my credit scores, which are XXXX on XXXX, XXXX on XXXX, and XXXX on XXXX. I have never opened an account with Caine & Weiner, and I do not recognize the debt they claim I owe. Despite my belief that this debt is not mine, Caine & Weiner has placed this account in collections, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, it is unlawful for a debt collector to attempt to collect a debt from a consumer that the consumer does not owe. This incorrect reporting is causing significant harm to my financial standing, affecting my ability to obtain credit, and causing undue XXXX. I have previously attempted to resolve this matter by contacting Caine & Weiner to dispute the validity of this debt, but I have not received a satisfactory response or any evidence to substantiate their claim. Additionally, I have sent a dispute letter to all three credit bureaus requesting an investigation into the legitimacy of this account, but it remains in my credit report. I am requesting the immediate and complete removal of this collection account from my credit reports with XXXX XXXX XXXX XXXX. I trust that the Consumer Financial Protection Bureau will assist in ensuring that Caine & Weiner ceases all collection activities and that the erroneous information is promptly deleted from my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I am stressed out because this company is violating my rights under 15 U.S.C> 1681s-2 ( a ) data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to dispute international fees charged to my Bank of America account during my recent trip to XXXX XXXX. The total fees I was charged are {$82.00}. I have been a Bank of America customer for over 20 years and have previously disputed international fees, which were partially refunded. However, for these recent charges, I was only refunded {$5.00}, which is far below the total amount charged and is insufficient Account number ending in XXXX and XXXX I have attached screenshots of my account statements showing all the charges, including dates and amounts. I request a full refund of the international fees charged to my account. I believe this is a reasonable resolution given the circumstances.

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 2026-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: PA

Complaint narrative:
too many repeated calls. I am formally disputing this alleged debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CT

Complaint narrative:
Debt Validation & Dispute Letter Date : XX/XX/year> To : [ JEFFERSON CAPITAL SYSTEM ] Address : [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ] Re : Account # : [ XXXXXXXX XXXX XXXX XXXX XXXX ] To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am exercising my right to request written verification of this alleged debt. Notice of Dispute and Request for Documentation Be advised that I dispute this debt in its entirety. To validate this claim, please provide the following : The Assignment Contract : Provide a complete, unredacted copy of the Assignment and Bill of Sale ( the contract of sale ) transferring this specific account from the original creditor to your agency. A simple statement or " summary '' is insufficient to prove your legal standing to collect. Verification of Debt : A statement from the original creditor confirming the amount currently owed and the date of the last payment. Proof of Authorization : Documentation showing you are licensed to collect debts in my home state. Legal Notice Regarding Credit Reporting I am aware of the ruling in Green v. Portfolio Recovery Associates , LLC, which underscores the requirement for debt collectors to accurately report the status of a debt. Should you choose to report this account to any Credit Reporting Agency ( CRA ) while it is under dispute, you are legally obligated under 15 U.S.C. 1692e ( 8 ) to report the debt as " disputed. '' Failure to do so constitutes a " false, deceptive, or misleading representation '' in connection with the collection of a debt. Cease and Desist Instructions Until such time as you provide the requested validation, you must cease all collection activity. Furthermore, do not contact my place of employment or any third parties regarding this matter. I expect a response within 30 days. Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX ]

Company response to consumer: Closed with explanation