vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zimmerman & Zimmerman, P.A.
State: KS

Complaint narrative:
b'I got my paycheck and I noticed that there was a $XXXX missing amount out of my check then I asked my employer for the reason and I apparently had a garnishment then immediately literally the next page I had received another three more garnishment from the same company I called them to get some more information and of course they were rude and the response from the lady was it was too old to show. She also said that theyre one of them was released and another one had been closed and that I had a refund check for $XXXX and if I wanted to lie to my other cases, I could do that and I thought I said I wanted to apply that to my other debt, which was the bad wrong thing for me to say, since the law is against me and every way, I then tried to explain to them I needed to know what these other charges are I have had insurance. XXXX said oh that does not matter. Its too old. We do not have that information in that I could not basically address the fact that these medical bills where they came from and how they came about the $XXXX amount they sent me some papers where it had been signed in XXXX to a doctors office. I had never went to with also my name spelled wrong on it they never contacted me. There was a delivery, but I never signed that I was homeless and on XXXX. Honestly, I pulled my XXXX records to see what these fees were from XXXX XXXX XXXX online health records on the guitar I never visited the hospital, the clinic or any of the storm locations in XXXX, Kansas, my signature was on it, and I never went to the doctor on that date that was on the same page. I also never went to that clinic. The case was also closed then reopened and released and closed it has also that on a court records that has damages were never fully determined as it states right on the page of a court records they just basically said it for auto interest and I feel like they intentionally renewed in the time that was allowed and let it grossly snowball to a $XXXX balance over XXXX. Im a single mom this is predatory and records. Say I had a test done but they were never completed until XXXX. I had insurance in XXXX XXXX was the last I have records and I had insurance then no visits in XXXX XXXX XXXX I didnt Have. I dont have the XXXX to fight this but Im not paying I put an emotion to squash just stop and they assigned me to have a hearing to claim my hardship financial hardships, but from my research that does not end the case at all its still gain interest that is something I can do. I feel like they there have been payments made on the court records that do not say that we received from them it was also between two different lawyers and now its they were combined and now its just one lawyer theyre not working for the people they are harming us. I want these cases closed.'

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NV

Complaint narrative:
I am writing to file a complaint against my previous credit card company for repeated overcharges and failure to address a legitimate billing dispute. For several months, the credit company overcharges me sometime by as much as 10 % per statements. I was not aware of the overbilling initially, but one I identified the issue, I made multiple attempts to contract the company to request clarification and a refund of fees. Despite my efforts I did not receive any assistance or meaningful response. In XX/XX/XXXX, I was finally contracted by a representative names XXXX XXXX, who informed me that the company would not be refunding any overcharges. His response was dismissive and unprofessional, essentially saying there was nothing I could do. Because of the unresolved billing issues and lack of customer support, I chose to close my account and switch to a new credit card provided. I am requesting that the CFPB investigated this matter. I believe this company over charged me over {$15000.00} for over a period of year and a half. I believe the company has acted unfairly and failed to fulfill its obligations under federal credit card billing regulations by over charging me a rate of 10 % to 7 % over a period of time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/year> 3 fraudulent transaction were made on my western union app. Business credit card was link to this account. Last transaction I made was on XX/XX/XXXX of {$210.00}. On XX/XX/XXXX - {$16.00} and 2 wire transaction were made of - {$250.00} and- {$250.00}. From XXXX, XXXX and XXXX, XXXX. phone : XXXX. I called western union and deactivated the account and create a claim/ case # XXXX. I called XXXX they temporarily game the the money back. Then XX/XX/XXXX XXXX Reversed- {$16.00}. And on XX/XX/XXXX they reversed - {$250.00} and- {$250.00}. Western said they cant returned they because it was wire transaction so they dont want to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft on a federal level. For XX/XX/XXXX years Ive been requesting my online banking history, mobile banking digital wallet cards email communications account applications, summary of visits. Wells Fargo reps have cooperated with me ( I recorded the calls ) admitting to me that they do have both mobile banking records and digital data records for me. But the moment they pull up accounts in question I am immediately transferred to their fraud department. I have been told that records would be sent to me and they never arrive and I also have on tape a fraud representative denying me records that by law I am entitled to based on the fact that I no longer have an account at Wells Fargo. Wells Fargo has acted with gross negligence in the handeling of me. Now they are trying to say that I never was enrolled in their online banking and that no other services such as mobile banking, digital wallet cards etc were ever provided. They claim that in XXXX online banking was initiated but never completed. I personally went to the bank on XX/XX/XXXX th XXXX to place a permanent block on any online banking or services. I did this with XXXX XXXX the branch manager of the XXXX XXXX branch in XXXX Az. I have have proof that these unwanted unauthorized services were being provided to me all the way up until XXXX. Because emails on an email account no longer in use were being sent to me from Wells Fargo. Wells Fargo is the reason Im in such a terrible state. They are discriminating against me because I am an identity theft victim. I repeatedly send them letters demanding my records they wont give them to me because they know that the loss incurred is significant. They refuse to take any responsibility for their part in what has happen yet allowed me to go thru their mediation process for a third party service I may not have authorized or wanted. They keep sending me letter stating they need more time Ive given them XXXX years I want everything records statements etc etc that by law I am entitled to. And I dont want my time wasted they have had more than enough time. They have ruined my life and I want them to be held accountable for it. Thank you for your help. 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 2026-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I sent the Gulf Coast collection bureau a certified letter asking them for proof of verification for reference # XXXX because I do not owe them money nor did I sign a contract with them. If this is a hospital bill then the hospital needs to bill my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: CA

Complaint narrative:
Despite this documentation, my dispute was denied. I believe the company added or enforced a condition that was not clearly disclosed at the time of sale. was not informed at the timof purchase that attending a timeshare sales presentation would be required to use my travel package. This conditiowas not disclosed in the agreement or welcome documents. I request that the company honor the package without this requirement or provide a full refund.

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 2026-06-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: AZ

Complaint narrative:
No action has been taken by netspend i was receiving unemployment and I lost my card I called ordered a new one the person on the phone told me I had a balance of about XXXX XXXX I can't remember the exact amount when I got my card i activated it and it said XXXX balance I went back in forth for months no one knows anything then they closed out my account saying I was committing fraud!!!!! I want my money they have done this alot of times before to alo t of people this is illegal unfair low down XXXX XXXX XXXX disrespectful

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 2026-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
All documents have been signed by buyer and seller and Rocket mortgage employee XXXX XXXX made an error that has cost me financial hardship. His supervisor XXXX XXXX had reached out to me apologizing for their error and said they would be trying to move forward with the closing. I just received a phone call from a female named XXXX from rocket mortgage stating that they will not be communicating with me any further and if I have any questions to reach out to the buyer. We were supposed to close XXXX days ago and now I am in financial hardship due to their employees error please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX Attn : Compliance Department RE : Direct Dispute Under FCRA 623 ( a ) ( 8 ) Inaccurate and Inconsistent Reporting To Whom It May Concern : I am submitting this direct dispute pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 8 ), concerning the accuracy and completeness of the account you are furnishing to the consumer reporting agencies. Account : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX ( as reported ) I dispute the accuracy of this account because the information being furnished to XXXX, TransUnion, and XXXX is materially inconsistent and incomplete. Inconsistencies Identified 1. Past Due Amount XXXX reports : Balance : {$350.00} Charged off : {$350.00} written off Past due amount : {$170.00} TransUnion and XXXX do not appear to report a past-due amount. This inconsistent reporting raises questions concerning the accuracy of the amount owed. 2. Status Reporting The same account is reported differently among the consumer reporting agencies : XXXX : " Account charged off. {$350.00} written off. {$170.00} past due. '' TransUnion : " XXXX / XXXX. '' XXXX : " XXXX XXXX. '' Please explain the basis for these differing statuses and correct any inaccuracies. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX reports : Credit limit : {$3500.00} Balance : {$350.00} Available credit : {$3100.00} A charged-off account should not appear to have available credit as though it remains an active revolving account. Please investigate and correct this reporting if inaccurate. 4. Consumer Statement Regarding Unauthorized Services XXXX includes the following statement : " This account was the result of unauthorized services. '' This statement does not appear to be consistently reflected among all consumer reporting agencies. I request that you investigate the underlying facts supporting this statement and ensure that all information furnished is complete and accurate. Request for Investigation Pursuant to FCRA 623 ( a ) ( 8 ), I request that XXXX : Conduct a reasonable investigation into this account. Review all underlying records and documentation relied upon to furnish this information. Correct any inaccurate, incomplete, or inconsistent information with all consumer reporting agencies. Provide me with copies of the documents, records, contracts, applications, electronic signatures, payment records, and other evidence relied upon in verifying this account. If the information can not be verified with competent evidence, delete the tradeline from all consumer reporting agencies. Please provide the results of your investigation in writing. Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: OH

Complaint narrative:
Adler Wallach is attempting to collect a fraudulent XXXX XXXX payment account debt of {$460.00} opened without my knowledge or authorization. This account is the result of identity theft. I have filed official FTC Identity Theft Reports # XXXX and # XXXX. I did not open authorize or benefit from this account in any way. This debt is not valid and stems entirely from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: IL

Complaint narrative:
Product/Service : Credit Card Issue : Card company closed a dispute investigation without reviewing evidence or providing mandatory notifications. Complaint Narrative : I am filing a formal complaint against Citibank for violations of the Fair Credit Billing Act ( FCBA ) regarding Dispute ID XXXX ( Account ending in XXXX ) for {$490.00} with merchant XXXX Citibank committed two severe procedural failures that denied me a fair investigation : 1. Failure to Notify : The merchant uploaded a response on XX/XX/2026. Citi completely failed to send me a notification or copy of this response, denying me my right to review and rebut the merchant 's claims before a decision was made. 2. Failure to Consider Evidence : Citi summarily denied my dispute on XX/XX/2026, stating " services were provided. '' This decision entirely omits and ignores the technical evidence I previously submitted. The Facts of the Dispute : * No Asset Provided : XXXX charged me {$490.00} but failed to issue a mandatory XXXXXXXX XXXX number for the flight leg ( XXXX XXXX ). As proven in my submitted Attachment A, the XXXX field is blank ( XXXX ). Per XXXX standards, a reservation code ( PNR ) without an e-ticket number is legally unissued. No service could be rendered. * Merchant Contradiction : XXXXXXXX XXXX own XX/XX/XXXX response explicitly states " Cancellation Request Completed '' and " we have cancelled your booking. '' Citi rubber-stamped a denial claiming " services were provided '' on a transaction that the merchant 's own paperwork admits was completely cancelled. Citibanks automated dispute process failed to review the physical documents, allowed the merchant to pocket funds for a cancelled and unissued flight, and violated my consumer protection rights.

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 2026-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by National Credit Systems ( NCS ) on behalf of XXXX XXXX XXXX XXXX. I properly vacated my apartment when my lease ended on XX/XX/XXXX. On that date, I returned my keys, signed my move-out paperwork, and completed the proper move-out process as required. I have documentation and communication with the leasing office confirming this. The situation became complicated due to my ex-boyfriend, who wanted to remain in the apartment after my lease ended. He applied to take over the apartment independently but was denied. Despite being denied, he had guarantors listed on the account who, to my knowledge, never actually resided at the property. One individual, XXXX XXXX, is still being listed in connection with this debt, which further demonstrates that the account and its associated charges are not solely or accurately attributed to me. I have written communication with the leasing office documenting my notice to vacate and my move-out process. I was not responsible for any activity or charges that occurred in connection with individuals who were denied tenancy or who never lived in the unit. Despite this, National Credit Systems has been collecting on this debt and reporting it to the credit bureaus. I have already paid {$1600.00} in good faith simply to be able to secure new housing. The documentation they submitted as proof includes a signature I did not authorize, and I have reason to believe XXXXXXXX XXXX XXXX XXXX is no longer a legally operating business entity. This step was also removed and put back on my credit. I am requesting a full investigation into this matter and the complete removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: FL

Complaint narrative:
I received a letter from EdFinancial Services at my parents ' home in XXXX of this year ( XXXX ). It contained a past due notice for a student loan payment for a loan issued in early XXXX. I was not aware of any outstanding loans in my name, as I have never applied for a student loan. I graduated from college in XXXX of XXXX and have never applied to another school since. I contacted my local sheriff 's office and filed a report of the fraud as directed by EdFinancial, who issued the loan. I submitted to Edfinancial a loan discharge request form with all information required. I also submitted an inquiry to XXXXXXXX XXXX XXXXXXXX, where the loan was supposed to be used. During this time I was able to gain access to " my '' EdFinancial account, which contained some information about the issuance of the loans. At this point the only loan ( s ) I was aware of were ( 1 ) subsidized loan for {$220.00} and ( 1 ) unsubsidized loan for {$0.00}. I received correspondence from XXXXXXXX XXXX XXXX stating that they had reviewed my case, acknowledged that the loans were fraudulent, and removed my information from their system. I subsequently received a letter back from EdFinancial Services stating that I had not provided them adequate information for them to determine that the loans were not requested by me. They requested I send them a long list of sensitive information, including bank statements, copies of my high school and college diplomas, proof of residency, etc. Given the nature of the situation, I was not comfortable sending all this personal information to them through the mail. They stated that a promissory note had been signed by two people who I do not know, as well as with a phone number and email address that are not mine, past or present. I also received another letter from EdFinancial stating that I had received a Pell Grant for {$1800.00} that was due immediately and they threatened to send it to collections. I never received, nor was aware of, any such grant. After taking consideration of all the things they were asking of me, and my already compromised identity, I reached out to and spoke with an attorney that directed me to this website to file an official complaint. He cautioned that the collection attempts themselves may be fraudulent and advised me not to send any information unless it was to a government official, and to make no payments. Someone obtained my personal information, used it to apply for these loans/grants, and EdFinancial is holding me liable for someone else 's crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Complaint Against Veros Credit My mother is a Veros Credit customer and speaks XXXX with limited English proficiency. On XXXX XXXX XXXX, my mother and I contacted Veros Credit regarding her account, spoke with a woman representative, she refused to provide name, then a gentleman name XXXX who claimed he is the supervisor then said he works in corporate and had no other information to provide me regarding complaints. My mother was present on the call and needed assistance communicating because Veros Credit did not have XXXX-language support available. I informed Veros Credit that I was only helping translate for my mother due to the language barrier. Veros Credit advised that I would need to provide personal information before I could assist. I provided my name and phone number but was uncomfortable providing additional personal information because I am not a borrower on the account and was only acting as a translator. I had concerns about privacy and identity theft. Because Veros Credit did not have XXXXlanguage assistance available and would not allow me to assist without providing additional personal information, my mother was unable to effectively communicate regarding her account. I respectfully request that Veros Credit : * Review this incident. * Explain its policies regarding translators for customers with limited English proficiency. * Consider providing language-access services or interpreter options for XXXXspeaking customers. * Ensure that customers with limited English proficiency can effectively communicate about their accounts. * Provide a written response addressing these concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation