vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
In XXXX, I obtained a XXXX ( XXXX ) XXXX XXXX under the understanding that my insurance ( XXXX XXXX would cover the device after an initial deductible/payment. I made the required payments in good faith based on this representation. Despite this, I continued to receive ongoing billing for the device. When I contacted XXXX, I was told I would need to locate and speak with the original salesperson from years ago in a different state, which is not reasonable or possible. I have repeatedly requested documentation, including a signed contract or agreement, itemized billing, and proof of financial responsibility. XXXX has been unable to provide a signed agreement or contract. Their own system also shows no accessible documentation online and when calling customer support, and one representative said the charges were fully covered by insurance. I also contacted the collection agency, Monterey Financial Services, and submitted a formal debt validation request. Their response did not include any contract, itemized billing, or proof of financial responsibility. Instead, they stated that the creditor confirmed the balance and cited HIPAA as a reason for not providing details. HIPAA does not prevent providing billing or account documentation to the consumer. I am requesting my own financial records, not protected third party information. At this time, neither XXXX nor the collection agency has provided sufficient documentation to verify this debt. Despite this, the account has been reported to credit bureaus and continues to be collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I initiated an international transfer from my Wells Fargo account on XX/XX/year>, to a recipient in XXXX of {$430.00} dollars. The funds never arrived. Around XX/XX/XXXX, I contacted Wells Fargo and requested cancellation of the transfer. A representative confirmed the cancellation and stated that I would receive the funds back within 10 days. As of today, the funds have not been returned. I have made multiple follow-up calls and have visited a Wells Fargo branch in person twice, but I have not received a resolution. Each time, I have been told to wait without any clear explanation. I have attached proof of the original transfer. This delay has caused financial hardship, and I am unable to access my own funds. I am requesting : * Immediate return of my funds * A clear explanation of what happened to the transfer * Confirmation that the issue has been resolved I am seeking urgent resolution of this matter.

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 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I received a voicemail on XX/XX/26 stating that I have a claim being filed with my county an this is my last telephone communication attempt before legal action is perused and to reach out to phone number ( XXXX ) XXXX. I called the phone number that was in the voicemail because I was terrified. The lady I spoke with initially said she didnt have a file for me and then stated she found one and it was for Acima and that I owed {$570.00} and it needed to paid today after getting approval from a lawyer or I would be served at my job with paper for attempting to defraud a financial institution. I asked her if there was someone I could speak with who had more information and she stated she wasnt going to bother the lawyers unless I could make a payment in full to them today. I advised her I would research and get back with her because I had no knowledge of what she was saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: PR

Complaint narrative:
A collection account appeared on my credit report that I have no knowledge of. I never opened this account, have no business relationship with this collector, and was never contacted prior to this appearing on my credit report. I did not receive any written debt validation notice as required by the FDCPA. When I requested validation of this debt, the company failed to provide it. This account is the result of identity theft. An FTC Identity Theft Report has been filed. A dispute was submitted to TransUnion. I am requesting immediate cessation of collection activity and removal of this account from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Company : SoFi Bank, XXXX. In approximately XX/XX/XXXX, a loan broker named XXXX XXXX of XXXX XXXX XXXX ( XXXX XXXX, FL ; email : XXXX ; phone : XXXX ) committed fraud by creating an unauthorized proxy email account ( XXXX ) to impersonate me on SoFi 's platform. My legitimate email is XXXX. Using this fraudulent email, the broker registered on SoFi 's portal, submitted a loan application in my name, and intercepted all of SoFi 's disclosures, verification emails, and sign-in security alerts. SoFi 's own security logs prove this fraud on XX/XX/XXXX, there were simultaneous sign-ins to my SoFi account from XXXX XXXX XXXX CA ( my location, IP XXXX ) and XXXX, FL ( the broker 's location, IP XXXX ). Despite this obvious fraud indicator, SoFi approved and funded a ~ {$60000.00} personal loan at 29.18 % APR ( Account XXXX ). The broker pressured me into signing final loan documents under duress and deceptive practices, without my understanding that the entire application had been manipulated through a fraudulent email channel. The broker earned approximately {$5900.00} in commission. I made approximately XXXX months of payments totaling approximately $ XXXX {$14000.00} before I discovered the fraud in XX/XX/XXXX. Upon discovery, I : Filed FTC Identity Theft Report # XXXX ( XX/XX/XXXX ) Filed California XXXX Complaint # XXXX ( forwarded to OCC ) Disputed the account with all three credit bureaus it has been DELETED from XXXX XXXX XXXX XXXX Placed fraud alerts and security freezes on all three bureaus ISSUES WITH SOFI : SoFi approved a {$60000.00} loan using a fraudulent email address that did not match my records a basic identity verification failure. SoFi 's own security systems detected simultaneous sign-ins from California and Florida on the same day and still funded the loan. SoFi collected payments from me on this fraudulent loan for approximately XXXX months. SoFi subjected me to collection calls and demands for payment on a fraudulent debt. SoFi has not refunded any payments I made on the fraudulent loan. SoFi has not provided written acknowledgment that the loan was fraudulent. SoFi-related hard inquiries from the fraudulent application remain on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Finance Company, Inc.
State: NC

Complaint narrative:
National Finance repeatedly called me on multiple days regarding this account and related information. I also believe my personal information was shared, used, or disclosed to other companies without my authorization or consent. I did not give permission for my information to be accessed or used for credit, collection, or reporting purposes beyond what the law allows. I dispute this account and the related reporting. Under the Fair Credit Reporting Act, consumer reports may be obtained only for a permissible purpose, and furnishers of information must provide accurate information and investigate disputed information after notice. I also request review of the repeated collection calls to the extent applicable under federal debt collection law. I want this account deleted and removed from my credit report, along with all related negative reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A refund was issued on XX/XX/year> to my Bank of America debit card ending in XXXX, which was associated with a now closed account. XXXX has confirmed that the refund was sent, but Bank of America has no record of receiving or processing these funds. I am requesting that Bank of America conduct a full investigation into any incoming card-based refunds tied to this card number, including a search for unapplied funds, closed-account credits, or funds that may have been sent to unclaimed property. If the funds were received, I am requesting documentation of how they were handled, including whether a check was issued or the funds were transferred elsewhere. At this time, the funds remain unaccounted for, and I am requesting a full trace and resolution of this transaction.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year> at XXXX XXXX I deposited around {$1100.00} cash into a chase drive thru ATM, and once the ATM took the cash it displayed on the screen something along the lines of this ATM can not take deposits right now, and then spit out a receipt that had date and time and to confirm your deposit call XXXX so I immediately called and they stated the deposit hadnt gone through so they filed a claim & gave me a temporary credit. Now they are denying the claim with reasoning being they can not locate the funds and going to pull the credit they gave me out of my account because I dont know the EXACT dollar amount. They have ran me in circles to get a police report, call this number, said its handled at branch level, branch says its not. Now theyre saying I have to get a search warrant to pull camera footage of me putting my cash into the ATM or to retrieve the ATM balancing audits to support the claim. This experience has caused pain & suffering due to Bad faith handling ( they knowingly ignored evidence such as pulling footage to review in their investigation ) Extreme negligence due to atm error Emotional distress caused by their conduct due to running me in circles and nothing getting solved. I cant pay my bills including my rent

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 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: Selene Holdings LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and wife XXXX, purchased a home in XX/XX/XXXX, my mortgage payment was {$6900.00}. at that time. My wife I were making the payments on time. In XX/XX/XXXX, my wife went on medical leave and our finances became tight. I called Selene Finance in XXXX to discuss some kind of financial help. They told me that they can only do a loan modification to reduce the payment. After a month some discussions with the loan officer I decided to do the loan modification. They ( XXXX and XXXX XXXX advised me that the best way to get the modification is to be late on my loan. Servicer advised me to intentionally become delinquent. So, my XXXX payment was late 30 days. I got into the program in XXXX and made my first payment of XXXX in XXXX. Before I got into the program I asked the loan XXXX XXXX, " once XXXX done with the program my credit will be current showing no late ( 30 day ) on it. He said yes, it will be cleared of any negative reports. I distinctly remember asking him this because I told him about when I did my loan mod on my old home with XXXX XXXX XXXXXXXX, they didnt clear my credit report which I had to call the loan modification vice president directly to clear this matter. '' XXXX assured me delinquencies would not be reported. So, I finished the program in XX/XX/XXXX new payment {$6500.00} a month yes only {$400.00} reductions. In XX/XX/XXXX I received a free credit report which show late payments on my mortgage account. I verified this report and it showed that XXXX thru XXXX of XXXX was showing late 30 day. I called Selene Finance and told them what was happening to my credit report. The customer service representative told me the following If you go into the program late it will be reported late through the entire program and remain late on the report. I told that the both XXXX and XXXX never told me this and if they did, I would have never ever gone into this loan modification. Servicer failed to honor that representation I contacted my lawyer who advise to send a request for all transcripts regarding this loan modification on XX/XX/XXXX. I only received the transcript of my asking for the transcripts. I waited for 90 days to make sure I game them time to look for the recordings. Nothing as of XXXX XXXX. My lawyer advised me to go and make a complain at the CFPB. This whole ordeal has been very stress and has negative financially outcome since I cant refinance my house due to the poor credit rating and report of the lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I am writing to formally dispute a collection account currently reported by Rent Recovery under Account # XXXXXXXX XXXX Upon reviewing my credit report on XX/XX/year>, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, as they failed to provide a mandatory dunning notice within five days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only XXXX in my mentorship program to get denied for the $ XXXX startup loan. In the XXXX XXXX, under the standard set in XXXX v. XXXX XXXX XXXX, a collector must provide account-level documentation to verify a debt once it is disputed ; a mere computer printout is insufficient. Furthermore, per 15 U.S.C. 1692g ( b ), the collector is legally required to cease all collection activityincluding credit reportinguntil they provide legal verification. By continuing to report this unverified debt while I am in an active dispute, they are engaging in illegal " debt parking.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Ava Finance, Inc
State: GA

Complaint narrative:
Initially I tried to settle the account with AVA just to see what I could do to get this adverse account off my credit report. They told me it was nothing I could do. The reason it was nothing I could do is because they are not a lender. They never disbursed any funds, credit or product ( s ). With that said due to laws this account should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
In XX/XX/XXXX, I used a CareCredit credit card issued by Synchrony Bank to pay approximately {$3800.00} for a medical procedure under a promotional 0 % interest plan. At the time of purchase, I was told by the provider that making minimum monthly payments would satisfy the terms of the promotion and allow the balance to be paid off without interest. Based on that understanding, I made consistent, on-time payments totaling approximately {$2000.00}. My account was set up on autopay, and I had no history of missed or late payments. Beginning in fall XXXX, I stopped receiving account statements and notifications from Synchrony/CareCredit. I did not receive any notice that the promotional period was nearing expiration or that action was required to avoid deferred interest. The promotion expired on or around XX/XX/XXXX. Because I was not receiving statements or alerts, I was unaware of the exact expiration timing or that the full balance needed to be paid off to avoid retroactive interest. Shortly after, I was charged a large amount of deferred interest on the remaining balance of approximately {$1700.00}. It had been only a little over 45 days since this interest was applied when I contacted the company, but I was told I had already missed their 30-day grace period and no adjustment could be made. As soon as I became aware of the situation, I immediately paid off the remaining principal balance in full. I contacted Synchrony/CareCredit multiple times via chat and phone to request a one-time courtesy adjustment, explaining that I had acted in good faith, was misinformed about the terms, had always paid on time, and had not received statements or advance notice of the promotion ending. My request was denied, and I was told no exceptions could be made. I am requesting that the deferred interest be removed, as I would have paid off the balance earlier had I received proper notice and accurate information about the promotional terms.

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 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Disputed debt and provide proof that debt was not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding Portfolio Recovery Associates , LLC and their continued reporting of an unverified debt on my credit report. I disputed this account with Equifax, and the account was marked as verified. I then requested validation directly from Portfolio Recovery Associates. In response, they provided only a limited set of documents, including a billing statement and a general notice of account transfer. However, they failed to provide sufficient documentation to validate the debt. Specifically, they did not provide : A signed agreement bearing my signature A complete chain of assignment proving legal ownership of this specific account A full payment history from the original creditor An itemized breakdown explaining how the reported balance was calculated Additionally, their correspondence states that the debt is beyond the statute of limitations for legal action, yet they continue to report this account to credit reporting agencies. Providing incomplete or insufficient documentation does not meet validation requirements under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, Portfolio Recovery Associates continues to report this account, which I believe to be inaccurate and unverified, to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: AZ

Complaint narrative:
I am filing a complaint regarding Citibanks handling of a disputed {$2500.00} charge from XXXX XXXX XXXX / XXXX dated XX/XX/year>. Case # : XXXX I did not authorize this transaction, do not recognize the merchant, and did not receive any goods or services from this merchant. When I first filed a complaint they cancelled my credit card and promised to look into it. Then I received a letter saying case closed. I called again and complained. They apologized and was told by a supervisor that the case had not been well handled. They re-opened the case and said they would get back to me in a a few days. This was XX/XX/XXXX. I heard nothing. I emailed the fraud department and heard nothing as well. I called today and reached a supervisor who told me the case is now officially closed. All they can tell me was that my phone authorized the charge. I told them, I have no idea who this merchant is, there is no agreement with them. So I asked Citi for proof from the merchant. IP address. Etc. And they provided none. And will not send me any evidence of their case. I followed proper procedures by reporting the charge, reopening the dispute, and submitting a written statement. Citibank has denied my claim without providing sufficient evidence of authorization. I am requesting : 1. A full copy of all evidence used to deny my claim 2. A proper investigation under the Fair Credit Billing Act 3. Reversal of this unauthorized charge This matter involves a significant amount and appears to involve fraudulent or misrepresented billing. The {$2500.00} is a lot for me and it is causing undo hardship on myself and my family. I request immediate review and resolution. Thanks for your help! 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 monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I believe my credit was stolen from the mail, used up to XXXX times without my knowledge. The total amount came up to over {$1700.00}. I was contacted by the fraud department of my credit company. They opened an investigation on the matter. They originally declared me responsible but I disputed the charge again because I didnt use the card or make those charges.

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