vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I am having multiple fraudulent withdrawals from this account in one day, and it is still going. Credit Karma 's phone system is not even working properly to get a representative. After multiple phone calls to the same number, I finally get overseas reps to answer. They are only able to stop the card from working. The charges total to about {$2000.00} before they are able to freeze the account, but they are unable to get me my stolen money back nor cancel all pending transactions that are fraudulent. They are unable to lift the withdrawal limit so that I can take the rest of my money out. This is an obvious scam, their bank accounts have no security, and there are no real representatives working for these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Subject Formal Dispute of Inaccurate and Unauthorized Collection Accounts Under FCRA To Whom It May Concern, I am writing to formally dispute inaccurate and unauthorized collection accounts currently being reported on my consumer credit report. 
The accounts in question are : PORTFOLIO RECOVERY - {$1600.00} - Reported XX/XX/year> SUNRISE CREDIT SERVICES GROUP - {$98.00} - Reported XX/XX/year> XXXX disputing these accounts because I have not provided written authorization or permissible purpose for these entities to report information on my credit file. I do not recall entering into a contractual agreement that grants them the authority to furnish data to a consumer reporting agency. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for permissible purposes. Furthermore, pursuant to 15 U.S.C. 1681s-2, furnishers of information have a legal duty to report accurate and verifiable information.

Additionally, under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information you report.

At this time, I am requesting : 1. Verification of the original signed contract bearing my signature that authorizes these accounts.

2. Documentation proving your permissible purpose for reporting these accounts.

3. Complete payment history and chain of assignment from the original creditor to the current collection agency. 
If you can not provide competent evidence that fully complies with the FRA, you are required to immediately delete these accounts from my credit file.

Please conduct a reinvestigation of these disputed items within the 30-day period as required under 15 U.S.C. 1681i ( a ). If the information can not be verified, it must be deleted.

Failure to comply with federal law may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General 's Office. 
Please provide written confirmation of your investigation results. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: VA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX. XXXX XXXX A ] [ XXXXXXXX XXXX XXXX ] [ XX/XX/year> ] [ LVNV FUNDING ] [ LVNV FUNDING ] [ XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Re : Account Number ( if applicable ) : ___________ To Whom It May Concern : This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding the above-referenced alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), you are hereby instructed to stop all contact with me, including but not limited to phone calls, emails, text messages, and written correspondence.

If you choose to take further action, you may only contact me to inform me of specific legal remedies you intend to pursue, as permitted by law.

Be advised that I am keeping records of all communications. Any violation of the FDCPA will be documented and may result in a complaint being filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney Generals Office. 

Thank you for your prompt attention to this matter. 

Sincerely, [. ] [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Request mortgage assistance XX/XX/XXXX because of lack of work and federal disaster ice storm XXXX. Application, financials were emailed XX/XX/XXXX, XX/XX/XXXX to mortgage company. Mortgage company has been unwilling to help me with this financial hardship. I received foreclosure notice XX/XX/XXXX have not received letter accelerating the debt or letter to validate the debt from mortgage company or foreclosure attorney. I am requesting these papers as the Tennessee law state I was to receive. I have a lot of circumstances changes financially Don't want to lose my home to foreclosure. 
Foreclosure letter Date XX/XX/XXXX I just received it by mail XX/XX/XXXX. 
Did not receive letter about sale until few weeks before sale, read this is a violation for the foreclosure attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Around XX/XX/year>, I opened a new XXXX account and transferred my phone number from my XXXX  XXXX XXXX account to continue using Zelle. Shortly after, multiple Zelle transfers to me failed or were denied, including transfers from family members and friends. Some transfers only worked when split into smaller amounts. 

Soon after, my Zelle access stopped working and I was informed that my phone number had been restricted or made ineligible. I contacted XXXX several times and filed a complaint through the CFPB. After reviewing the case, XXXX confirmed in writing that there is no restriction on their end affecting my phone number or Zelle access and advised me to contact Zelle directly if problems continued. 

Despite this confirmation, my phone number is still unable to properly use Zelle. I have contacted both XXXX and Zelle/Early Warning multiple times requesting an explanation and restoration of service, but each company refers me to the other. I have always used Zelle only for personal, legitimate transfers and have not violated any terms of service. 

Since XXXX has confirmed there is no restriction on their end, I am requesting that Zelle/Early Warning review and resolve any remaining restrictions preventing my phone number from being used normally on the Zelle network . I have not received a clear explanation of why my phone number was flagged or how to fully restore access, and the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XXXX, my homeowners insurance policy was canceled without any prior notice. Once I became aware of the cancellation, I attempted to reinstate coverage, but my insurance provider refused. I contacted three additional insurance companies, but none were willing to insure the property due to ongoing insurance availability issues in California affecting older homes built in the XXXX. During this time, my mortgage servicer, Newrez, did not assist in securing replacement coverage or provide any alternatives. I eventually obtained homeowners insurance through the California state insurance program in XXXX. After I obtained valid coverage, Newrez attempted to charge me {$4700.00} for forcedplaced insurance for the period in XXXX when I did not have coverage, even though no insurance policy was ever actually placed, and no coverage was provided during that time. This charge is also excessive, as my prior annual insurance premium was approximately {$2300.00}. I disputed the charge with Newrez, explaining that they were billing for retroactive insurance that was never provided. Newrez dismissed my dispute and informed me that they would prorate the {$4700.00} charge by adding approximately {$390.00} to my monthly mortgage payment. This sudden increase puts me at risk of delinquency and possible foreclosure. I contacted Newrez to request a reasonable repayment arrangement, but I was told they do not negotiate payment terms unless the account first becomes past due. This response places me in a financially unsafe position.

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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive been contacting Chase bank since XX/XX/XXXX about a check that I requested to have stopped and returned back. They instead froze my account and held on to the payment. Theyre now saying the check was paid out to me on XX/XX/XXXX and I did not receive anything from them. Theyre telling me my account is negative {$3000.00} and is sent to collections. And that I am to pay this amount that is due or it would go on my credit. None of the customer service representatives are knowledgeable of the situation and is all confused. They suddenly dont have access to my account and is showing that the amount was paid out to me when my whole account was frozen by them until they recently decided to close out the account. No one is showing me any statements to prove who the money was sent to, because it was never sent to me. The only check I received recently from chase was in the amount of {$260.00} and that was a payment that I had withdrawn from my flex account and it went into my frozen account. I want them to remove that negative balance and return the check back. The only thing I should owe is a returned check fee. Theyve been giving me the run around for months. Said my attorney has to be the one to contact XXXX XXXX XXXXXXXX and she said that she have done it on several occasions and the payment was back in her account. I told Chase that back in XX/XX/XXXX and XX/XX/XXXX. They started telling me that I had to go into XXXX XXXX XXXXXXXX branch and ask for a letter saying the check was already cashed and so that they could release the funds to me. When I was trying to have it returned and not paid out. I went into the XXXX XXXX XXXXXXXX branch on XX/XX/XXXX and spoke with the manager there, he informed me that they do not make letters for people who do not have an account opened with them. And that Chase should be able to just return the check back. And that is something they have been refusing to do. Someone in Chase received that check because now theyre saying I owe that money back, in which I dont because they never gave anything to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/year>, two charges were posted to my Goldman Sachs Apple Card account that I did not authorize. These transactions were part of a series of fraudulent charges made to XXXX XXXX. I reported the fraud immediately, and Goldman Sachs reversed all of the unauthorized charges with the exception of these XXXX transactions totaling {$77.00}, {$38.00} each. 

I have been disputing these two charges since that time. Although the total amount is {$77.00}, the dollar value is not the issue. I did not make or authorize these purchases. When I requested documentation or proof substantiating that I made these transactions, Goldman Sachs was unable to provide it. Instead, I was told that I must provide proof that I did not make the purchases, which is unreasonable and inconsistent with standard dispute resolution practices. 

To avoid any negative impact to my credit profile, I paid the {$77.00} under protest. However, I am formally escalating this matter, as these charges are fraudulent and remain improperly attributed to me. 

I respectfully request a thorough review of this, a proper response that isn't AI generated, and a refund of my {$77.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
AARGON AGNCY is falsely reporting on my credit. I have never had any accounts with them. Per my research AARGON AGNCY 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 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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Re : Validation of Alleged Debt FDCPA 15 U.S.C. 1692g & FCRA 15 U.S.C. 1681i To Whom It May Concern : This letter serves as a formal dispute of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide validation of this debt.

Specifically, please provide : 1. Documentation that you are legally authorized to collect this debt, including the assignment or purchase agreement from the original creditor.

2. The original creditors name, address, and account number.

3. A full accounting of the alleged amount owed, including principal, interest, fees, and charges.

4. A copy of the signed contract or agreement with my signature creating this obligation.

5. Proof of your license and bonding to collect in my state.

Additionally, if you are reporting this account to any credit reporting agency, be advised that I am disputing its accuracy. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to immediately mark this debt as disputed with all consumer reporting agencies. Continuing to report unverifiable or inaccurate information violates federal law.

You must cease all collection efforts until validation is provided. If you fail to validate, or if you continue reporting unverified information, I will take all necessary actions, including filing complaints with the CFPB, FTC, and State Attorney General, and pursuing my legal rights under the FDCPA and FCRA. 

This letter is not an admission of liability. It is a request for validation and a dispute of your claim. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
company filing legal documents through courts without knowledge, showing up unannounced at private properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Upon purchase of my property, Freedom Mortgage had the wrong parcel number to my account which created a debt owed to my treasury in the amount of {$3000.00} that needed to be corrected by XX/XX/year>. I immediately sent all information and copies of the letter to Freedom Mortgage and was told that they would correct the issue by updating the correct parcel number and paying the treasury. Instead of freedom mortgage paying the amount as the company, they used my escrow to pay {$2500.00} on XX/XX/year>. Due to them paying the mistake of the wrong parcel with my escrow account, my mortgage payment has increased significantly to recoup the amount needed in my escrow account. I have an hour and 10-minute recording of Freedom Mortgage representatives admitting to the mistakes happening, how the mistake was paid, and the intention of not returning the money to the escrow account, reimbursing me, or correcting the mortgage payment amount. Under Real Estate Settlement Procedures Act ( RESPA ). Specifically, under 12 CFR 1024.17, servicers must properly manage escrow accounts, and if they pay incorrect taxes, they can not charge the borrower for deficiencies arising from their own negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My were hacked including my and two savings accounts by an unknown actor posing as a Wells Fargo fraud specialist under the guise that there were fraudulent charges on my account. They were able to read transactions on my account as if they were actually in the account and then they moved money out of my savings both of them and put them all into my checking account and then were able to move that onto an XXXX XXXX XXXX  on my XXXX account which they had already compromised which I did not know about all while I was on the table getting prepped for XXXX this happened on Friday XX/XX/XXXX Once they had done that and once I started becoming aware that something was wrong my wife had called Wells Fargo and verified the number that it was fraudulent that they called me from and told them to stop everything which they said they were going to however they did not stop the transfer going from my checking account to this XXXX XXXX card and then the people hung up on me and locked my phone out I have appealed with Wells Fargo they have denied my claim saying that I gave these people permission to do this which I obviously did not do And I had him reopen the claim and appeal it and they denied me again I have asked them to escalate to the highest levels that I did not give these people permission I did not even know that's what these people were doing so I don't know how it could have been me telling them that Oh yeah it's OK for you to do this I do feel that my money should be returned to me because it was taken from me fraudulently I did not ask for it they just did it they already had access to my account somehow I don't know how I was able to provide the number that was called and the person 's name that he said his name was I have filed a report with the Sheriff 's office yet Wells Fargo still continually denies me saying that I gave these permit people permission to do it We are talking in order of {$9800.00} which was basically everything we had and I am not very happy about it I am doing everything I possibly can I feel like the last thing I can do is get a lawyer which I do not want to do but I feel like I may have to But after doing some research I found that this Bureau was a step I could turn to

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