vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 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: AL

Complaint narrative:
Account # XXXX * * * * Jefferson Capital Systems is reporting inaccurate XXXX inconsistent information on my credit report. This account is being reported differently across credit bureaus which violates the Fair Credit Reporting Act ( FCRA ). XXXX reports the account status as " Collection/Chargeoff '' while XXXX reports the account as " XXXX days late. '' These are materially different account statuses XXXX can not both be accurate. Additionally, the account type is listed as " Unknown credit extension, review, or collection, '' which is improper reporting under XXXX XXXX standards for collection accounts. The dates associated with the account are also inconsistent. XXXX reports the account opened on XX/XX/XXXX while XXXX reports the last payment as XX/XX/XXXX. This raises concerns of improper re-aging of the debt. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), furnishers must report accurate XXXX verifiable information. I am requesting Jefferson Capital Systems provide proper validation of this debt XXXX correct the reporting errors immediately. If the account can not be verified as accurate, it must be deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX ( Reference # XXXX ) and again on XX/XX/XXXX ( Reference # XXXX ) regarding an alleged debt of {$750.00} purportedly owed XXXX XXXX XXXX, Account XXXX. I disputed this debt in writing on XX/XX/XXXX XXXX again on XX/XX/XXXX, both sent XXXX XXXX. Both disputes demanded full debt validation under the Fair Debt Collection Practices Act. No validation was provided. XXXX activity continued regardless. The XX/XX/XXXX contact was issued under a new reference number despite both prior disputes being on record. This is a violation of XXXX XXXX. XXXX ( b ). A formal cease and desist is being sent tomorrow via email and XXXX XXXX Mail. I am consulting with a consumer protection attorney regarding further action.

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: IL

Complaint narrative:
I am writing regarding a credit card account listed on my credit report that I believe is inaccurate. I would like to resolve this matter as soon as possible. Please review and investigate this account and provide verification that the information reported is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding the actions of Meade & Associates and the reporting of an alleged debt connected to XXXX XXXX that currently appears on my XXXX credit report. This account was placed with Meade & Associates for collection in the amount of approximately {$6200.00} and is being reported as an educational collection account. After discovering this account on my credit report, I formally disputed the debt and requested full validation of the alleged debt from both XXXX XXXX and Meade & Associates. My dispute and request for validation were sent via certified mail. As of the date of this complaint, neither party has provided the documentation required to validate the debt. Specifically, I requested : A copy of the original signed agreement or contract creating the alleged obligation A complete itemized breakdown of the charges Documentation showing the calculation of any Return to Title IV federal financial aid adjustments Proof that Meade & Associates has legal authority to collect the debt Documentation showing the chain of assignment of the alleged debt Despite failing to provide any of this documentation, Meade & Associates continues to report the account to XXXX. XXXX recently completed a reinvestigation and stated that the account was verified, yet no validation has been provided to me. This raises serious concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). A debt collector can not legally continue reporting a debt that has not been properly validated after a consumer has requested verification. Additionally, the reporting appears inconsistent with the actual timeline of the alleged obligation, and I am concerned that the account may have been improperly re-aged. Because the debt collector has failed to provide validation while conti nuing to report the account, I am requesting the following actions : 1. Immediate investigation into the reporting practices of Meade & Associates. 2. Verification that the debt collector possesses legally sufficient documentation to support the alleged debt. 3. Removal of the collection account from my credit report if proper validation can not be produced. 4. Confirmation that all credit reporting complies with the requirements of the FDCPA and FCRA. I am requesting written confirmation of the outcome of this investigation. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/year> I did a transfer from Venmo to XXXX and was promised my transfer will be completed in three days on a standard transfer and as of tonight today what is the XXXX thats the day I was promised that it will be completed. I havent received anything and Venmo isnt giving me the information or answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have filed multiple disputes against Professional Debt Mediations stemming from a storage rental in 2019. Each dispute was a request for documents of Debt validation. Professional Debt Mediations persistently failed to disclose any factual evidence and has dismissed each and every dispute with a response saying the account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am XXXX XXXX. XXXX XXXX filed a retaliatory fraud report against my legitimate XXXX rent payments, resulting in a complete restriction on my Navy Federal account. Despite providing proof of authorized transactionsincluding a 5-day eviction notice ( dated XX/XX/year> ) issued to the household for non-paymentNavy Federal has failed to restore access. The subject, XXXX XXXX, was an unauthorized occupant with no legal standing on the lease. Text logs from ( XXXX ) XXXX confirm these were intentional payments for rent and late fees. Furthermore, the subject provided a screenshot from within his banking app proving he had authorized control of the account at the time of transfer. Navy Federal 's refusal to act on this evidence of first-party fraud is causing irreparable financial harm during a time-sensitive home purchase. Additionally, while still visiting Arizona, I confirmed a court date in regard to this matter. I want to reiterate the first-party/friendly fraud committed by XXXX XXXX, as he authorized the rent payments but claims they were unauthorized in eviction retaliation. The screenshots prove XXXX 's own limits were exceeded and test attempts were sent. Further, this unauthorized tenant has been in the home for over 5 months with continuous warnings prior to an eviction out of good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
I am submitting this complaint regarding the servicing of my mortgage loan by Carrington Mortgage Services LLC / XXXX and the handling of my loss mitigation and short sale request. Beginning in XX/XX/year>, I made a proactive and responsible effort to resolve my mortgage obligation by listing my property on the XXXX XXXXXXXX XXXX ( XXXX ) with a licensed real estate agent. My goal was to sell the property and resolve the debt through a legitimate transaction rather than allow the loan to proceed through foreclosure. Throughout this process I cooperated fully with my mortgage servicer and provided authorization for a third-party representative to assist me in navigating the loss mitigation and short sale process. My representatives worked directly with Carrington Mortgage Services LLC / XXXX to provide documentation, respond to requests, and facilitate a compliant short sale transaction. At all times I acted in good faith and attempted to resolve the situation responsibly. Despite my cooperation and extended efforts to complete a short sale, the loan servicing process experienced significant delays, inconsistent communication, and improper handling of my loss mitigation request. My representatives and I worked with the servicer for approximately 16 months to complete a short sale that met the required HUD guidelines for FHA loans. A buyer ultimately agreed to purchase the property at a price that satisfied the HUD requirement of XXXX percent of the FHA as-is appraisal value, after accepting a counter offer issued by the mortgage servicer. This demonstrated that the servicer was actively negotiating and reviewing the short sale transaction. Despite these ongoing negotiations and my continued cooperation, the process was not handled in a consistent or transparent manner and the loss mitigation review was not completed in a fair or timely way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NM

Complaint narrative:
I opened a checking account with XXXX XXXX at the local branch in XXXX, XXXX, recently. Unfortunately, the representative had technical difficulties applying my promotional bonus code during the process. The XXXX XXXX kindly stepped in and assured me he would apply it manually. However, when I returned to the branch 20 days later to request a simple confirmation that the code was active, I was told I just need to wait 90 days to see if it worked. I attempted to ask for this confirmation via the Secure Message Center on the US Bank app/website, but I realized there is no option for customers to initiate a message. Also, every call I made to the XXXX was not answered. While I understand the payout itself takes up to 90 days, I am uncomfortable waiting that long without any written proof.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: AL

Complaint narrative:
On XXXX XX/XX/year> I deposited {$100000.00} into my Synovus account. On XXXX XX/XX/year> I withdrew {$10000.00} and again on XXXX XX/XX/year> another XXXX. Toward the end of XXXX just before XXXX I tried to withdraw the remaining {$80000.00}. I was told I could not be cause my account was under review. There was no reason given for the review. They said I would receive a letter stating the results of the review. All I want is my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Chrysler capital keeps making incorrect billing adjustments when I make my monthly lease payment, which is {$650.00}. They try to apply the payment towards the principal of the vehicle, when Im only leasing it and have said I owe {$320.00}, XXXX past due. I submitted a complaint XXXX : complaint # XXXX, but the employee # XXXX said they would forward to the correct dept and they would update my account within XXXX hours. This is not the first time this has happened. I had not heard back and my account still says past due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Block, Inc.
State: HI

Complaint narrative:
XXXX XXXX XXXX also known as Block Inc is withholding over {$7000.00} in money collected from my customers. XXXX stated that XXXX and XXXX are the lien holders, but XXXX is saying they had sent the release already. XXXX is still refusing to release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is Amendment No. 2 supplementing my existing CFPB Complaints XXXX, XXXX, and XXXX against Bank of America for the illegal foreclosure of my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please link this to all three existing complaints. I am submitting two critical documents that prove the foreclosure was illegal : DOCUMENT 1 FLORIDA STATE DEATH CERTIFICATE FOR XXXX XXXX XXXX : Florida Division of Corporations XXXX Document No. XXXX Status : INACTIVE Last Event : WITHDRAWAL Date Filed : XX/XX/XXXX This is the official Florida government corporate death certificate proving XXXX XXXX XXXX formally withdrew from Florida and ceased all legal existence on XX/XX/XXXX. DOCUMENT 2 THE ASSIGNMENT OF MORTGAGE USED TO ILLEGALLY FORECLOSE MY HOME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This document falsely claims XXXX XXXX XXXX signed my loan over to XXXX XXXX on XX/XX/XXXX exactly 456 days after Florida declared XXXX INACTIVE and WITHDRAWN. It was used by XXXX XXXX and Bank of America as the basis for the illegal foreclosure of my home. THE DIRECT CONTRADICTION : Document 1 proves XXXX was dead XX/XX/XXXX. Document 2 claims XXXX signed a legal instrument XX/XX/XXXX. A dead company can not sign legal documents. The Assignment is a forgery. FLORIDA LAW VOIDS THE ASSIGNMENT : Florida Statute 607.1520 withdrawn corporation has XXXX authority to act in Florida. Florida Statute 607.1106 XXXX ceased to exist upon merger XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX no standing at inception. Florida Rule 1.540 ( b ) ( 4 ) void judgment may be attacked at any time. XXXX XXXX XXXX has eight submissions on file as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: UT

Complaint narrative:
Transaction Amount : {$490.00} Transaction Date : XX/XX/2025 Merchant : XXXX / XXXX Official Store Description of Issue : I am filing this complaint because Wells Fargo has improperly denied a dispute for defective merchandise Case ID : XXXX. The bank is refusing to investigate a documented " Breach of XXXX XXXX. '' The product purchased ( a drone ) carries a XXXX manufacturer warranty, which I have confirmed in writing from the manufacturer ( XXXX ). The product suffered a terminal hardware failure ( gimbal sensor drift ) on Day XXXX. I have provided Wells Fargo with video evidence of the failure occurring in ideal weather conditions ( XXXX ), proving a latent factory defect. Wells Fargo denied the claim based on the merchants XXXX " return policy. '' However, a merchants return window does not legally override a manufacturer 's XXXX warranty. The manufacturer has admitted they can not resolve the technical issue and directed me to the seller for a refund, but the seller ( XXXX ) refuses to honor the warranty. By refusing to appeal or investigate this documented warranty breach, Wells Fargo is failing to protect the consumer under Visa/Mastercard Network Dispute Rules ( Reason Code 13.1 ) and is effectively allowing a merchant to sell a {$490.00} defective product without honoring the promised warranty. I am requesting a full reversal of the charge.

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 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i scammed with phone number XXXX so many people got scam from same phone number but name was different .i attached proof of picture that community was XXXX XX/XX/25 amount {$1100.00} XXXX to XXXX i was victim of XXXX scam.i sent money for goods that were never delivered.i filed a police report ( XXXX ) and also reported the fraud to XXXX ( XXXX ) .i submitted multiple disputes to citibank, but they denied my claim three times without conducting a proper investigation. they simply stated the decision remains the same as the previous one. i provided new evidence including a police report and scam documentation, but citibank failed to reasaonably review my case.i am requesting a proper fraud investigation and reimbursement of the stolen funds.it was not unauthorized this is scam fraud claim but they denied i was authorized to send so i have to contact them. i made a XXXX payment on saturday. shortly after, i discovered that the XXXX was part of active scam and many other victims were already reportinf fraud related to same phone number with a lot of different name .i immediately contacted citi and asked them to stop the payment while the funds were still in my account. when i formally reported the issue to citi on monday, the repesentive treated it as a simple purchase dispute and told me i needed to wait for the item to arrive. this was not a normal purchase issue it was a scam, i clearly explained that at the time.because my case was not handled properly in the beginning, the payment was allowed to go through when it could have been stopped.if citi had filed the dispute correctly when i first reported the fraud, the founds would still have been in my account and this loss could have been prevented.i acted quickly, reported the scam as soon as i became aware of it, and provided all requested documentation, includinda police report. despite this, my claims have continued to be denied without proper consideration of fact that this was adoucumented scam and that i tried to stop the paymeent immedeatly. i am extremely disappointed that my case was not handled appropriately from the start and that it continues to be denied. that is why i am now filling this complaint. my new case number XXXX with citi dispute.also i already complain XXXX XXXX but they did not response .i ll attach proof of other people got scam from same phone number like me .than u can tell this is the scam.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I filed a dispute for a service I never received on XX/XX/year>. The dispute was mistakenly applied to the wrong transaction, a XXXX purchase for {$100.00}, while the original thing I was attempting to dispute was only {$10.00}. Chase issued a temporary credit for that incorrect transaction and later reversed it on XX/XX/year>, after the merchant showed proof of delivery. However due to the fact I believed the reversal was the actual company, XXXX, refunding my order I never went to collect the package and never thought to check for it. However my main issue is because the dispute was applied incorrectly, my account was pushed negative due to the reversal of a credit tied to the wrong purchase. When I contacted Chase multiple times, including speaking with a supervisor, no one acknowledged the error or offered a solution. This whole ordeal caused me great distress as this was my first bank account and the treatment I received from customer service made me feel as though I was an XXXX who shouldve expected them to reverse the wrong charge. I was told by the XXXX customer service agent that I shouldve known better than to use the fraudulent money when I had no clue they reversed the wrong thing until last night.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc.
State: MN

Complaint narrative:
I am submitting this complaint regarding debt collection practices and inaccurate credit reporting related to an alleged debt originally opened with Avant LLC. XXXX XXXX XXXX is currently attempting to collect this debt and has reported the account on my credit report. However, XXXX XXXX XXXX has represented itself as the creditor in a manner that is misleading and fails to clearly disclose that it is a debt buyer and not the original lender. This account is also currently the subject of a lawsuit filed against me. Despite this, I have not been provided proper validation of the debt, including documentation showing the full chain of assignment from Avant LLC to XXXX XXXX XXXX, the original signed loan agreement, or a complete and accurate payment history supporting the balance claimed. I dispute the accuracy of the balance, the ownership of the debt, and the manner in which the account is being reported to the credit bureaus. The continued reporting and collection activity without proper validation has caused financial distress and confusion

Company response to consumer: Closed with explanation