vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-15 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: Conduent Incorporated
State: NY

Complaint narrative:
Dear Customer Service Team, I am writing to formally dispute a charge on my Way2Go Card account for tickets for a festival that was rescheduled due to the collapse of the ticketing company, XXXX. 

Details of Charge : Date of charge : XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  tickets Original Event Date : XX/XX/year> XXXX, the official ticketing platform for this event, abruptly shut down and went offline in XX/XX/year> without notice. As a result, the festival was forced to reschedule the event. The new date made it impossible for me to attend, and no valid tickets were ever provided for the original date I paid for. 

XXXX offered no refunds, no communication, and no method to retrieve or validate previously purchased tickets. Multiple news sources have reported that XXXX shutdown left thousands of customers without tickets or refunds. 

Because the service I paid for was not delivered, I am requesting a reversal of the full charge from XX/XX/year> for the XXXXXXXX XXXX  tickets, including any related fees. My Way2Go Card, ending in XXXX, is still active and available to apply refund. 

Please see below for proof of purchase. 

I have also attached ( Exhibit A ) various credible new articles regarding the collapse as well as acknowledgment by the event promoter. 

Thank you for your assistance. Please let me know if you require additional information. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX Forwarded message XXXX XXXX XXXX XXXX XXXX  From : XXXX XXXX  Date : Thu, XX/XX/year> at XXXX Subject : Payment Received To : XXXX  Order Details XXXX XXXX  Got tickets XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ Attendee XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$140.00} XXXXXXXX XXXX {$140.00} XXXX XXXX  {$140.00} Fees XXXX XXXX XXXX {$8.00} Service Fee {$31.00} Credit Card Processing Fee {$15.00} Delivery XXXX  {$0.00} XXXX Billing XXXX XXXX Total {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received a text message from my company saying I owed a cell phone and now I have debt on my credit for XXXX XXXX. I have only built XXXX XXXX XXXX. I am XXXX XXXX XXXX. I have not been with a XXXX  or a XXXX before.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Basically, I have a large amount of assets on robinhood, and they will not let me transfer my hard earned ssets to my own personal custody/cold wallet. They are enforcing a {$5000.00} per 24 hour maximum transfer amount.

This will cause a huge hardship to my family If this limit is maintained.

Its robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
This follows up the original complaint I had filed on Newrez with mismanaging my escrow account by paying out an additional insurance policy without my signature and not a binding policy. My escrow continues to be mismanaged. See complaint ID XXXX. 

I have overpaid {$2100.00} in payments in addition to {$220.00} in late fees due to your co. Paying out an insurance policy that never had my signature nor was a binding policy. I am due a full refund on overpayment of {$2300.00} in which you made reversals in payments and late fees and have waived my XXXX payment of {$1900.00}. I am still owed a refund of the remaining {$450.00}. XXXX. My escrow continues to be mismanaged as I received a letter with statement date XX/XX/XXXX stating my projected escrow is- {$98.00} and my required escrow balance is {$780.00}. Stating a difference of {$880.00}. My taxes and insurance has not changed in amounts therefore my escrow should not have increased. This is a result of the many errors in my escrow analysis that have taken place. My XXXX billing statement showed an escrow balance of {$3100.00}, my XXXX statement showed an escrow balance of {$3500.00}. My XXXX statement showed an escrow balance of {$3900.00}. My XXXX statement showed a ln escrow balance of {$2000.00}. My property taxes are shown at {$2000.00} and my property insurance at {$2600.00} which were the same property tax and Insurance amounts when my house payment was {$1800.00}. Therefore increasing my house payment from {$1800.00} to {$1900.00} increasing my payment {$82.00} over the next 12 months in inaccurate. My payments have not been managed properly and my escrow is not reflecting proper escrow managing on your part. Without an increase in my property taxes or an increase in my property insurance, there is no reason my house payment should increase from {$1800.00} to {$1900.00}. I am requesting my escrow be updated properly as I have made all payments as due from the beginning of this loan which originated in XXXX of XXXX. I am requesting the refund still owed to me of {$450.00} and my escrow to be updated properly and I am requesting every escrow analysis this company has completed during the duration of this entire loan originating XX/XX/XXXX until current XX/XX/XXXX by mail and uploaded here to CFPB as well.

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 2026-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I visited XXXX XXXX XXXX, also known as XXXX XXXX XXXX, in XXXX, Texas, as the sole buyer of a XXXX XXXX XXXX  XXXX. Upon returning to discuss financing with the representative, I was informed that a cosigner would be required. My son subsequently arrived and signed the documents as the co-buyer, while I signed as the buyer. After making payments for approximately a year and a half, my son approached me in distress, claiming ownership of the vehicle. I disputed this, citing his role as co-buyer, and produced the original paperwork from when the dealership registered the vehicle. Upon reviewing the documents, I noticed alterations to the loan application. I returned to XXXX XXXX XXXX and recorded a conversation with the manager, who attributed the changes to the lender, Exeter. I expressed concern over the alteration of a binding contract, and the manager 's demeanor turned hostile, ultimately asking me to leave the premises and not return after I raised concerns about the company 's involvement and knowledge of Exeter 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — Store credit 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: Colony Brands, Inc.
State: WV

Complaint narrative:
There was account for Montgomery wards filed on my credit report and I did not purchase. That items are whatever. It is that they've got that's I purchased. It was a fraud account set up in my name and was never mine. 
Bye, by

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Time Investment Corporation
State: GA

Complaint narrative:
My installment loan account with Time Finance Inc. in XXXX, XXXX  is less than 90 days past due. 

On XX/XX/year>, I attempted in good faith to make a payment toward my balance. The payment was not successfully processed, and I was not provided with a reasonable opportunity to resolve the account. 

Instead of offering assistance, representatives sent me text messages stating that I had been sued and that I must go to court. I have not received any official court documents, summons, or legal notices. 

I was also provided the name and phone number of a person claimed to be an attorney. When I contacted this person, she stated that she is NOT an attorney. 

Additionally, I experienced unprofessional conduct, including rude communication and having calls ended when I attempted to resolve my account. 

I believe these actions were misleading and intended to intimidate me rather than help resolve the matter. I am willing to pay my account properly, but I expect lawful, professional, and transparent communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
Ask for original ownership and disputed it several times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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.

Complaint narrative:
I had set up a linked business account with my personal account, one of the accounts was funded, I was told I could use the new card and it would draw on the funded account. Instead it caused overdrafts, it took me 2 weeks to get some time to get in and address the issue at the bank. They told me because I waited so long they wouldn't honor the refund. I have filed repeated complaints, they have buried the issue. I tried one last time today and told them I would be seeking legal remedies and to inform the public about what I see as criminal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Issue Type : Unauthorized Transactions/ Fraud Company : Mountain America Federal Credit Union Complaint Narrative On XXXX, XX/XX/year>, I notified Mountain America Federal Credit Union that my account information had been compromised and requested that my account be secured. I was advised by a branch employee named XXXX that converting my account to a conversation account would function as a new account and that no transactions or data from the old account would carry over. 

That same day, the debit card associated with the compromised account was destroyed at the branch, and a new account was opened. 

On Tuesday, XX/XX/year>, I returned to the branch and was issued a new debit card for the newly opened account. I had not used the new debit card or entered the card number anywhere. 

Despite these actions, on Wednesday, XX/XX/year>, I discovered a pending unauthorized transaction listed as XXXX via XXXX. I do not have a XXXX account and have never had one.

When I contacted Mountain America to dispute the charge, I was informed that the transaction was linked to my partner XXXX debit card, which had previously been attached to my account. XXXX has never used that debit card. This indicates that internal card XXXX  or digital wallet credentials were not properly cleared when my account was replaced. 

The unauthorized transaction posted to my newly opened account even though the compromised debit card had been destroyed and the account was represented to me as being fully replaced. This demonstrates a failure to properly remove legacy card tokens and digital payment credentials associated with the prior account. 

When I challenged the explanation provided, the call was abruptly disconnected.

Mountain America failed to fully secure my account after notification of compromise, failed to properly purge legacy payment tokens, provided inaccurate information regarding responsibility for the unauthorized transaction, and failed to handle my dispute professionally.

I am requesting a full investigation, reimbursement of all unauthorized charges, a written explanation of how internal tokenized payment credentials were permitted to remain active after my account was replaced, and written confirmation that my account and all associated digital tokens have now been fully secured.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Security Service Federal credit is following Fair credit act.They called me not verifying that my information if I am the right person on the phone, they are not following protocol not asking for name, phone number, email, and address if I am proper person to receive information.You can not call someone giving information without properly identifying the person.

I then told representative I'm not answering any questions unless you properly identity me especially the world we dealing with right now fraud. They need to follow guidelines by properly identifying the member.

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 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: IL

Complaint narrative:
I am submitting this letter as a formal consumer complaint regarding first progress also known as. ( XXXX progress ) and their handling on my secured credit card account. 

This account is funded entirely by my own {$200.00} security deposit and has been largely dormant for years. I made my payment on the due date, despite this the company assessed multiple late fees and interest. And later stated they would only waive one late fee, even though Im not late, fee was not owed at all.

I am not requesting a courtesy adjustment. I am disputing the validity of the fees, entirely charging late fees and interest under the circumstances, constitute unfair and improper billing practices on a secured credit card account. Payment was made which is a yearly fee was paid on the due date.

Additionally, the company provided an email address for escalation that does not exist further delaying resolution and also stating that they would have another supervisor contact me within 24 to 48 hours. I am requesting CFPP assistance to require the company to correct the account, reverse all improper fees, and interest, and provide written confirmation that the account is current and a good standing.

Thank you for your assistance in this matter. 

My name is XXXX XXXX and the account number is XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
This is XXXX XXXX filing a complaint about a federal student loan XXXX  school closure agreement case. I completed XXXX  years of XXXX XXXX  school - grad program. And only accepted a loan in XXXX. This is because the school confirmed sending back unused loan money due to dismissal from the program. I attached emails in conjunction with the school returning unused loan money to the creditor. 
I paid out of pocket from XXXX and have documentation of tuition receipts, accepting loan adjustments, and emails from the school confirming return of unused loan money. 
Basically I never dispersed or accepted school loan money into any of my personal accounts. Now I have entered an Income driven loan agreement and am scheduled to pay back {$20000.00} and {$5000.00} worth of loans but I never used/accepted the entire amount. I only used a total of {$8000.00} ( 70 % / 30 % ) taken proportionately from both loans. Please get back to me about advising further steps after briefly reviewing the documents and timeline I provided. Thank you in advance for your patience and consideration. 
I seeked XXXX XXXX XXXX XXXXXXXX for advocacy towards my federal school loan debt. I have created a timeline. Please view all emails between my university as " XXXX XXXX claims '' in numbered order. 
Secondly, please view the pdf documents explaining my loan acceptance in XXXX and receipts of tuition. Lastly, I have provided a " XXXX XXXX XXXX XXXX XXXX '' program. I can provide tax transcripts of XXXX reflecting out of pocket tuition and apartment expenses for the XXXX school year. Please get back to me as soon as possible if this case can begin and we can further discuss how to proceed with additional required information.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells fargo, my current mortgage servicer, violated federal law by placing backdated forced placed insurance ( FPI ) on my property in the coverage amount of 3 times HIGHER than my last coverage or remaining loan amount. 
XXXX XXXX XXXX  rules part XXXX aim to control cost and ensure fairness, where mortgage servicer can't get XXXX exceeding loan amount or the last known coverage amount. Federal rules require servicer to ensure the cost is REASONABLE, preventing them from charging for more than loan amount which in my case is only {$250000.00} ( loan XXXX XXXXXXXX ) and my last home insurance coverage was for the amount of {$350000.00}. Wells Fargo 's XXXX amount on my house currently is {$790000.00} which is 3 times higher than what is permitted by the federal law. 
I believe the actions of WElls Fargo are unlawful and unreasonable, because the law clearly prohibit them from charging inflated premiums. 
please investigate

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 2026-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding a serious improper disclosure of nonpublic personal information by MRS BPO , LLC. 

On XX/XX/year> at XXXX, I received an unsolicited text message from MRS BPO containing a PDF attachment that was clearly intended for another individual. I am not the debtor. 

The PDF contained highly sensitive and confidential information, including : The individuals full name Full home address Full financial account number Auto loan details Original creditor information This disclosure was sent directly to my personal phone number in error. I did not request this information and did not provide consent to receive any communications from MRS BPO.

Sending full debt and financial account details to an unrelated third party constitutes an unauthorized third-party disclosure and appears to be a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), as well as a data security failure involving nonpublic personal information.

I am concerned that MRS BPO failed to implement reasonable safeguards to protect consumer financial data and that the affected individual may not have been notified of this breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I've attempted to resolve this through CFPB case XXXX XXXX XXXX, regarding Resurgent capital services and LVNP funding LLC . I've received multiple emails from them about an account that is not mine. Their account XXXX  is XXXX. I have never had a credit card through them or through XXXX XXXX, who they say the account is from. I've checked my credit report that verifies that I've never had a XXXX XXXX account through all three reporting agencies. I attempted to call Resurgence but was stopped by an electronic message asking for my Social Security info. I'm not going to provide them with that or any personal info. Had I spoken to a person, I would have demanded that they provide written proof that the account belonged to me. I have never received any mail, phone contact or other paperwork from this company. I don't do any online banking and do not know why they would have access to my email and name. I'm demanding that they cease and desist communication. Any further communication from them will be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
My identity was stolen before i had filed a police report years ago and I believe this is identity theft

Company response to consumer: Closed with explanation