vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I submitted a {$510.00} payment by check to an auto loan servicer on behalf of another individual. The auto loan is not in my name. I made the payment as a third party to satisfy a required monthly payment connected to a court-ordered obligation requiring the vehicle to be retained and payments made. 

The company cashed my check, which constitutes acceptance of the payment. 

After accepting the payment, the company improperly issued a refund instead of correctly applying the payment. The refund check was mailed to a financial technology company that does not accept physical checks. That company has confirmed in writing that the check was rejected and returned to the loan servicer. 

Despite the refund being returned, I was informed that the loan servicer intends to redirect my funds to a third party, even though I am the original payer and there is no authorization or court order allowing my money to be released to anyone else. 

In addition, the loan servicer has initiated repossession activity, claiming nonpayment. This alleged nonpayment exists only because the company failed to properly apply an accepted third-party payment and mishandled the refund. The delinquency and repossession activity are the direct result of the companys internal processing errors, not a failure to pay. 

This has created a false delinquency, interfered with compliance with a court order, and caused immediate and ongoing harm through wrongful repossession activity.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: VA

Complaint narrative:
Subject : Inquiry Regarding Account Funds and Service Regulations discrepancies concerning my account and the current status of my available and provisional credits. It has come to my attention that certain aspects of the service may not align with established regulations E. I believe there may have been a violation of my rights in this regard. Specifically, I am concerned about the prolonged hold on my funds. I would appreciate a clear explanation of the policies and procedures that have led to this situation. Understanding the rationale behind these actions is crucial! I have already incured financial losses. I dont know where my money is .. money lion took my money I already lost a truck because I didn't have access my funds

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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding a collection account reported by NATLCRSYS in the amount of {$4400.00}. 

This account has been disputed multiple times and continues to be verified without proper documentation being provided. 

NATLCRSYS has failed to provide : The name of the original creditor A copy of any signed agreement establishing liability Complete itemized statements showing how the balance was calculated Proof of legal assignment granting authority to collect and report Verification of the Date of First Delinquency Under the Fair Credit Reporting Act, furnishers are required to conduct a reasonable investigation when a dispute is submitted. 

I am requesting deletion of this account if accurate documentation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Lockhart , Morris & Montgomery , Inc . This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that Lockhart , Morris & Montgomery , Inc. is required to respond.

In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Lockhart , Morris & Montgomery , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: CA

Complaint narrative:
To Whom It May Concern, This letter serves as my second formal notice regarding inaccurate and unverifiable information that continues to appear on my credit file after my prior written dispute.

Despite my initial dispute, the following information remains reported without proper verification. This constitutes a failure to comply with your duties under the Fair Credit Reporting Act, including but not limited to 15 U.S.C. S 1681e ( b ) and 1681i, which require maximum possible accuracy and a reasonable reinvestigation of disputed data.

Please be advised that a generic or automated verification is insufficient. If you can not produce competent evidence demonstrating the accuracy and completeness of the disputed information - including the furnished documentation used to verify the account the continued reporting of these item is unlawful XXXX XXXX account # 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 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing this complaint against CDR Genesis and an additional collection agency that is reporting the same alleged debt on my credit report. 

I sent a certified debt validation letter to CDR Genesis requesting full validation of the alleged debt. I have not received any response, documentation, or validation from this company. 

Despite failing to validate the debt, the account continues to be reported on my credit report. 

After pulling my full credit report, I discovered that two separate collection companies are attempting to collect on the same alleged account, and they are reporting two different balances. This is extremely concerning and inaccurate. Only one balance can legally be owed, yet both companies are reporting inconsistent amounts for what appears to be the same original account. 

This situation raises serious concerns under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including : Failure to validate the debt after written request Continued collection activity without validation Inaccurate and inconsistent reporting Potential duplicate collection activity Reporting conflicting balances for the same alleged debt I dispute this debt in its entirety. I am requesting that : Both companies provide full, proper validation of the alleged debt, including proof of ownership and a complete itemization of the balance. 

An explanation as to why two companies are reporting the same account with different balances. 

Immediate deletion of any inaccurate, duplicate, or unvalidated reporting from my credit reports. 

Attached you will see the information pulled directly from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year>, I scheduled an electronic payment of {$510.00} to XXXX XXXX. Bank of Americas Bill Pay system failed to process this as an electronic transfer and instead issued a physical check, causing a delivery delay. This delay resulted in a {$30.00} late fee and {$9.00} in interest charges from XXXX XXXX. 

Bank of America branch staff and online support have been non-cooperative, falsely claiming I entered the wrong address. This is a technical impossibility : when a customer enters a major national payee like XXXX XXXX, the Bank of America system automatically populates the address from their internal database. I did not manually enter the mailing address ; the system did. 

" I am filing this complaint against Bank of America for a failure in their Bill Pay system that resulted in {$39.00} in late fees and interest from XXXX XXXX. I have been a loyal customer for 26 years, yet the bank has refused to rectify a clear technical error. 

On Friday, XX/XX/year>, at approximately XXXX XXXX, I visited the XXXX XXXX XXXX XXXX at XXXX XXXX. I met with the Branch Manager, who admitted the mistake and apologized but claimed his office ' can not do anything ' and directed me back to the uncooperative online support I had already tried. 

Bank of America claims this was a user error in address entry. This is factually false : for a national payee like XXXX XXXX, the Bank of America system automatically populates the mailing address. I did not manually enter the address ; the system did. By switching a scheduled electronic payment to a physical check without notice, the bank caused this delay.

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 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Axela Technologies, Inc
State: MI

Complaint narrative:
I am filing a complaint regarding improper debt collection practices related to HOA assessments for my property. 

In early 2025, the association transitioned to a new property management company. On XX/XX/scrub>XX/XX/2025, I received an email stating that account credentials and payment instructions would be mailed to homeowners. However, I never received any account information, billing statements, or payment instructions. 

Because the association failed to provide any means to access my account or submit payment, I was unable to make timely payments. I did not refuse to pay. I simply had no method to do so. 

Despite this, the association and its collection agency added interest, collection costs, legal fees, and lien filing charges, placed my account in collections, and recorded a lien against my property. 

I have already paid the HOA assessment amounts ( principal ) in good faith. The only amounts I dispute are the additional charges such as interest, collection costs, legal fees, and lien-related fees that resulted from the associations failure to provide payment access. 

I have contacted the collection agency three separate times to resolve the matter and request clarification and payment instructions, but I received no response. This lack of communication has made it impossible to resolve the issue. 

A lien has now been recorded against my property, effectively restricting my property rights and ability to sell or refinance. I am extremely concerned because I have been trying in good faith to resolve this matter. 

It is unfair and improper to impose penalties while simultaneously preventing payment and ignoring attempts to resolve the debt. 

I respectfully request immediate assistance to stop the improper collection of these disputed charges, remove the lien, and allow me to resolve the legitimate principal balance without unlawful penalties.

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 2026-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I am disputing continued escrow collection for property taxes despite verified county records showing no future tax liability due to approved exemptions. 

On XX/XX/XXXX and XX/XX/XXXX, I emailed the approved tax exemption documentation and supporting county records to the servicers designated tax correspondence address. The county records reflect a taxable value of {$0.00} due to approved exemptions. 

In addition, I faxed a formal RESPA Notice of Error Improper Escrow Collection for Property Taxes and a Memorandum for Formal Escrow Dispute and Notice of Error to ( XXXX ) XXXX. I received confirmation that the fax was successfully delivered. Along with that correspondence, I submitted the publicly available tax exemption documentation and county verification showing taxable value of {$0.00}. 

Despite submitting documentation through multiple channels and receiving fax confirmation of delivery, the servicer has continued to collect escrow funds for property taxes based on a prior-year tax bill. 

Since XX/XX/XXXX, I have spent approximately 60 minutes on the phone with the servicer attempting to resolve this matter. During those calls, I requested a manual escrow review or escrow exception analysis based on the countys verified taxable value of {$0.00}. I was informed that escrow would not be adjusted until the next annual analysis, even though the taxing authority reflects no future ad valorem tax liability. 

I am not disputing property taxes previously assessed or paid. I am disputing continued escrow collection for future tax periods where the taxing authority has confirmed no tax liability. 

I am requesting that the servicer conduct a manual escrow review, adjust or suspend tax escrow where appropriate, and correct any resulting overcollection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
BlittandGaines, P.C. sent a letter to me on or around XX/XX/25 that THEY were a debt collector, attempting to collect a debt. I responded to them to provide verification of the legal ability to collect debt, as the firm is NOT in the NMLS site 's database. Instead, a different attorney from the same firm again sent a similar letter. I again informed them that neither the firm nor either of the two attorneys were registered as debt collectors and yet both mailings indicated that the letters were from a debt collector - NOT, that they represented one. Instead of addressing my question, they responded by representing the alleged debt collector by filing suit against me- possibly retaliating because of my questioning of the firm or because they'd recently filed suit against my wife, only to have the judgment included in her bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally dispute multiple fraudulent accounts that have been opened in my name without my authorization. I did not open, authorize, or benefit from these accounts. I believe I am a victim of identity theft. 

These accounts and the associated debts are inaccurate and must be investigated and removed in accordance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information on my credit report, and consumer reporting agencies and furnishers are required to conduct a reasonable investigation and correct or delete unverifiable or fraudulent information.

Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to block fraudulent information resulting from identity theft once proper documentation is provided.

If any third-party debt collectors are involved, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits the collection of debts that are not valid and requires debt validation upon dispute.

If these accounts involve electronic fund transfers, I also invoke my rights under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., which protects consumers against unauthorized transactions.

I am requesting the following actions : Immediate investigation of all fraudulent accounts Closure of the fraudulent accounts Removal of all associated debts Deletion of any negative credit reporting related to these accounts Written confirmation once corrections have been made I am prepared to provide identification, proof of address, and an Identity Theft Report to support my claim.

This situation has caused significant distress, and I expect prompt compliance with federal consumer protection laws. Thank you for your assistance in resolving this matter.

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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They keep calling after I asked them to stop.also asked to mail me the following.assigment of debt, ownership of debt, account level documentation and date of first delinquency .. also a copy of the original contract with my signature on it.when I debt is brought up by a third party without your written consent it's illegal.usc 1692 g

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint regarding my auto loan account with JPMorgan Chase Bank. 

The account reflects multiple 30- and 60-day late payments in XXXX. While payments may have returned due to insufficient funds during a temporary financial disruption, I was not provided timely and adequate notification of delinquency escalation prior to severe credit reporting. 

I requested documentation from Chase including : Copies of returned payment notices Dates of delinquency letters Call logs or communication records Documentation showing when the account progressed from 30 to 60 days delinquent Chase representatives informed me they do not provide such documentation and advised me to file a complaint.

Because the reported delinquencies significantly affect my credit profile, I am requesting : 1. Documentation verifying proper notification and servicing compliance prior to credit reporting escalation 2. Verification of the accuracy of the reported delinquency dates 3. Correction or removal of any late payments that can not be fully substantiated If Chase is unable to provide documentation supporting the reporting, I request that the late payment history be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
Mohela has made it impossible to log in. Every month the website will not take my log in information. THE WEBSITE TAKES MY SOCIAL AND MY DOB AND STATES THERE IS NO ACCOUNT UNDER THAT INFO. Every month I have to call and wait on hold. Often the call fails no matter which number I call. IT CAN TAKE SEVERAL DAYS TO CONTACT THIS HORRIBLE COMPANY. Mohela is a TERRIBLE, HORRIBLE WEBSITE, HORRIBLE CUSTOMER SERVICE. THE IMPOSSIBLE LOGIN HAS CAUSED ME TO MISS ONE PAYMENT IN 24 YEARS. MOHEA IS CHARGING ME A LATE FEE. I CAN NOT LOG IN BECAUSE THE WEBSITE IS A JOKE. YOU NEED TO PUT THIS COMPANY OUT OF BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Mortgage assistance application with my financial emailed to Shellpoint Mortgage several times XX/XX/XXXX and XXXX XXXX, XXXX. I was affected my recent ice storm our area has been declared a federal disaster. The storm lasted 2weeks I was unable to work and my home was damaged from the storm. Shellpoint has been difficult to work with I need a mortgage payment based on my current employment income. I don't want to lose my home to foreclosure. I have not received a letter from mortgage Shellpoint or foreclosure attorney to validate debt, acceleration debt or the note. Requesting these documents be sent to me. Please cancel foreclosure sale process mortgage assistance. 
I have had a circumstance change with the recent federal disaster.

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 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been trying to get Capital One Auto Finance to submit the title to my vehicle to XXXX  Department of Transportation for 1 year. I found out that when I refinanced my car, Capital One never had the title transferred from the previous lender. I was initially told that they would reach out to XXXX  to receive the title. I reached out to XXXX  and they sent me a clear title. I asked Capital One to renegotiate my loan as I now have a clear title but they are not willing to do so.

Company response to consumer: Closed with explanation