vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: NC

Complaint narrative:
I received a phone call from XXXX they identified themselves as a debt collector and said they were attempting to collect a debt regarding a keto gummies subscription. Asked me to verify my name and address. I told them I had made a purchase of keto gummies and cancelled the subscription. They said I never cancelled it and I owed them ~ {$200.00}. I knew this wasn't true because I cancelled the order the same day I placed it. I called them back after searching through my emails for the cancellation confirmation. They asked me to send the confirmation to XXXX which I did. A few minutes later they called me back and said that was not the company they were calling to collect a debt for. The company I ordered from was kickinketo.com and the order was both placed and cancelled on XX/XX/XXXX. I have never placed any other order for any kind of gummies or gummy subscription. They said they were calling about a gummy subscription from a company called XXXX with an order date of XX/XX/XXXX. I told them I never placed any order from such a place and they said the have my name, home address, IP address, and credit card information on a past due invoice from that company. They said the item was shipped to my home address ( which is a lie ) so I asked for the tracking and delivery verification which they said they did not have. Once I asked for delivery verification a " manager '' took over the call and as I was asking questions trying to figure out what is going on she began yelling and telling me I owe the money and she had all my information from the company to prove it. She ended up hanging up on me as I pressed her for more information. I don't know if the debt collection company is a scam or if just the gummy company is a scam that sent my info to a debt collector. I don't want this to affect my credit and I am worried because they seem to have a lot of information about me. I googled XXXX and there are hundreds of complains online saying they are a scammer company who uses fake subscriptions, other company names and fake debt collection attempts. I don't know what to do! Please Help!

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 2026-03-30 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: LoanCare, LLC
State: CA

Complaint narrative:
b'There was a title error done by the title company and it took XXXX XXXX years to get it corrected would cause a deficit in tax payments to the property totaling over $XXXX. My mortgage was roughly about $XXXXXXXX and when I contacted the mortgage company as the tax collector for XXXX County told me to do the mortgage company paid the bill in full and then raised my mortgage. I asked them could they put that underpaid tax amount on the end of my loan and they did not do that. I have an FHA loan so I could not afford the XXXX. then they put the Home into forbearance for three months and every time that I will call, I will get a representative that would tell me different pieces of information I was told during the three months of forbearance I didnt have to pay any thing on my mortgage. I was never advised that I could pay partial or pay any dollar amount on the mortgage so therefore the bill I guess I didnt know, but the bill kept getting higher and higher so I was advised to pay XXXX in an installment plan. The condition of the installment plan is that Im not able to request another installment for two years well being that I have a XXXX XXXX condition I am unable to provide for myself and also pay a mortgage in the amount of $XXXX. In the meantime, Im still getting bills stating that I owe $XXXX a month so I have a past due amount of I think either I dont know if its XXXX or $XXXX. Im a first time homebuyer. I am a single person. I dont have any other adults. I take care of my grandkids. I thought this was my forever home. Im XXXX years old and I purchased his home in XXXX the same month and my XXXX son passed away in the hospital XXXX. I do not know what I am going to do. I have nowhere to go. I just want reasonable payments back the way that they were.'

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 2026-03-30 00:00:00
Product: Mortgage — Conventional home 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: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
Due to my husbands loss of employment coupled with excessive obligations, we reached out a year ago to XXXX for help in the form of a loan modification. We have been through loan modification three times ( we are now in the XXXX ) over the course of the last year. Originally we could handle the proposed payment. We paid as expected, every month for three months. We received documents to return to finalize the modification after the trial period. Every time we returned the documents, they failed through no fault of ours. Each time a new, higher payment was offered to us. Now were back to a payment that is too high, completely defeating the entire purpose of our modification request. Ive listed the reasons ( as relayed to me by XXXX XXXX for document failure. None of these reasons are our fault, yet we are the ones suffering. 1st ) LoanCare notary didnt cross through borrower names correctly ( borrowers located in different states, signed/ notarized separately ) XXXX 2nd ) Inadequate time given to borrower to return signed documents. I received docs on XX/XX/XXXX with an expected return date of XX/XX/XXXX. 3rd ) Stated as XXXX notary didnt indicate which borrower signature was being notarized. XX/XX/XXXX We fully intend to stay in and pay for the home we are raising our children in. We love our home. But this now feels like a cruel game we can not win. The stress and uncertainty has caused me literal physical illness while I call and call and call with no return call from XXXX. We dont understand why our documents keep failing and why nothing can be done to mitigate doc failure in the future. Even if we could manage the new proposed payment, if our docs fail again we will be facing another higher payment! Meanwhile we have no control! We arrange notaries asap ( borrower and third borrower [ in name only ] are located in the XXXX XXXX area and co-borrower is in the XXXX XXXX area ) which has been difficult to coordinate but we do it anyway! We all sign the documents and hope the docs reach XXXX in time. So far, its been a failure every time this last year.

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: DailyPay, Inc
State: GA

Complaint narrative:
I have not taken any transfers from my account since XX/XX/year>. However, my paycheck was deducted for an overpayment that my employer has confirmed does not exist on their end. I was originally told my overpayment balance was approximately {$27.00}, but I have since been given multiple inconsistent balances including {$55.00} and {$83.00}. Despite this, my entire paycheck of approximately {$150.00} was deducted, leaving me with {$0.00}, and additional funds remain locked and unavailable. I have contacted both my employers payroll department and DailyPay. My employer confirmed that they do not see any overpayment in their system and that once funds are sent to DailyPay, they no longer have control over them. DailyPay has not provided a clear or consistent explanation and has not provided a detailed breakdown of any transfers or deductions. At this point, I am missing over {$300.00} from prior pay periods and additional earnings from my current paycheck. My funds remain locked, and I am unable to access money I have earned. I am requesting a full investigation, a complete and accurate breakdown of my account, correction of any errors, and the immediate release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: TN

Complaint narrative:
I am a retired veteran and I travel quite often due to military orders. my identity was stolen and fraudulent accounts were made in my name while serving my country. I contacted the credit bureaus, the accounts were reported on my credit profile using inaccurate and unauthorized address information. These accounts have been disputed before with the creditors but I received no validation of debt or chain of titles. I then filed a report with the XXXX postal inspection service for mail fraud. ( XXXX ref # XXXX regarding mail fraud and misuse of address data. the company stated they could not send me any verification of debt which violates the fdcpa and the fcra federal laws. I am asserting identity theft and identity misattribution under federal law. I have also filed an ftc report for identity theft with ref # XXXX these accounts must be XXXX out and blocked from credit bureaus upon investigations is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Formal Complaint Unfair Credit Line Reduction After Targeted Balance Transfer Offer I am filing a formal complaint regarding my credit card account with Wells Fargo. I accepted a targeted promotional offer for a 24-month 0 % APR balance transfer. At the time of the transfer, the balance represented approximately 80 % of my total credit limit, which was consistent with the intent of the offer. Since that time : - I have maintained my account in good standing - All payments have been made on time via autopay - My balance has been reduced by approximately {$500.00} over the past 6 months Despite this, in month XXXX, Wells Fargo reduced my credit limit by {$1900.00}. This action caused my credit utilization to increase significantlyfrom approximately 81 % to 96 % negatively impacting my credit profile. I was informed that the only way to restore my previous credit limit would be to apply for an increase, which would require a hard credit inquiry. I believe this action is unfair for the following reasons : - I utilized a targeted offer as intended by Wells Fargo - My account performance has improved, not worsened - The credit line reduction artificially increased my utilization and may harm my credit standing - Requiring a hard inquiry to restore the original limit places an additional burden on me despite no negative behavior on my part -This action appears inconsistent with fair lending and account management practices, as it penalizes responsible use of a promotional offer Resolution requested : - Reinstatement of my previous credit limit, or - A reconsideration of the credit line reduction without requiring a hard inquiry, or - A detailed explanation of the specific factors that justified this reduction despite improved account behavior I have attached supporting documentation, including account statements and the notice of credit line reduction. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Revolut Technologies Inc.
State: VT

Complaint narrative:
On XXXX XXXX, 2026, I spoke with a Revolut onboarding representative and indicated that I would not be using the account due to business limitations. On XXXX XXXX, 2026, I confirmed in writing that I would not be using the account. Despite this, a XXXX card was still issued and shipped to me, and I was not clearly informed that I needed to take additional steps to avoid charges. On XXXX XXXX, 2026, I contacted Revolut support to close the account. During this interaction, I received conflicting information, including : That no fees had been charged That I would incur monthly fees if the account remained open That I could close the account without fees That I might be charged a {$49.00} card cancellation fee After nearly an hour in chat, I was told that my account could only be closed if I provided biometric-style verification, specifically : A selfie holding my ID A second selfie holding a handwritten note with the date and time I declined this request as it is excessive and not reasonably necessary given that : The account has never been used The balance is {$0.00} My identity was already verified during onboarding I was already authenticated in the system Revolut later issued a formal complaint response confirming that they will not close the account without this verification. As a result, the company is maintaining an active account that may incur ongoing monthly fees unless I comply with this requirement. I am requesting that the account be closed without requiring additional biometric verification and that I not be charged any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
My SunTrust account was closed in 2020 after a problem involving a XXXX payment that I received into my account. I was the recipient of that payment, not the sender. The issue arose because the person who sent that payment later disputed it as unauthorized, and that dispute affected my account. Most of the money in my account came from other separate incoming payments. In response to my prior CFPB complaint, Truist sent me a written response dated XX/XX/XXXX2022 stating that the account had been closed and that the remaining funds were still being retained pending verification of ownership. However, Truist did not provide the exact amount being retained, did not identify which specific incoming payments were actually disputed, and did not provide any final accounting or final disposition of the remaining funds. As of today, Truist has still not explained what happened to those remaining funds. I am requesting that Truist provide, in writing : the exact amount of funds retained as of XX/XX/XXXX2022 ; a transaction-by-transaction accounting of the retained funds ; identification of which incoming payments were disputed, reversed, or returned ; the final disposition of all remaining funds after the account was closed ; and, if any funds were remitted as unclaimed property, the state, date, amount, and owner address used. If Truist claims it can no longer locate the account, then it should provide a written explanation of the search performed in its active, archived, and legacy SunTrust/Truist systems. YOU CAN CALL ME TO THIS NUMBER 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