vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing this complaint regarding unauthorized ACH withdrawals connected to XXXX XXXX that were taken from my Wells Fargo bank account despite my understanding that my prior XXXX XXXX account had already been settled and closed through a debt settlement/payment arrangement. In approximately XX/XX/XXXX, I discovered my Wells Fargo account was overdrawn due to XXXX unauthorized XXXX XXXX withdrawals totaling approximately {$470.00} ( {$200.00} and approximately {$270.00} ). I did not authorize these transactions, did not initiate any new payment arrangement, and did not provide authorization for any additional ACH debits after my account had previously been resolved. I immediately contacted both Wells Fargo and XXXX XXXX to dispute the transactions as fraudulent and unauthorized. Wells Fargo informed me they could not determine where the withdrawals originated from. XXXX XXXX also stated they could not trace who initiated the transactions or provide evidence showing that I personally authorized them. I requested documentation and proof from XXXX XXXX regarding how these ACH transactions were approved, including login records, authorization records, or any evidence connecting me to the transactions. I was informed they could not provide tracing information and that because the charges were not connected to an active account in the normal way, there was limited visibility into where the authorization originated. I also experienced overdraft fees and financial hardship as a result of these withdrawals. I am attaching supporting documents showing : My prior XXXX XXXX payment history and settlement-related payments. Documentation indicating cleared payments toward XXXX XXXX. A XXXX alert reflecting that a XXXX XXXX account had been paid down to a {$0.00} balance. Evidence related to the disputed transactions and communications regarding the fraud investigation. The attached payment history document from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows recurring cleared payments to XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX, supporting my understanding that the account was already being resolved/paid. The document reflects total creditor payments and cleared status entries for XXXX XXXX. Additionally, the attached XXXX alert reflects a Paid Account ( s ) notification associated with XXXX XXXX and indicates the account was paid down to a {$0.00} balance. I am requesting : A full investigation into the unauthorized ACH withdrawals. Reimbursement of the disputed withdrawals and any resulting overdraft fees. Documentation showing how the ACH authorization was allegedly obtained. Removal of any negative consequences resulting from these disputed transactions.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Williams & Fudge, Inc
State: OR

Complaint narrative:
Ive received a phone call from XXXX @ XXXX on XX/XX/year> and another from XXXX @ XXXX. They were made aware the first time I spoke with anyone that I wasnt in the country yet the proceeded to call me. The company is WILLIAM AND FUDGE stating I owe a debt from XXXX for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC
State: OH

Complaint narrative:
Williams Rush & Associates made no effort to contact me about a so called debt of {$1000.00}. I have never received a letter from them about this debt nor a phone call. The have seemed to have bought a zombie debt and instantly reported it as unpayed to my XXXX credit report with negatively affected my credit. I believe that they must first attempt to collect a debt from someone by notification through mail before being able to report it to a credit bureau. I do believe this falls under the FDCPA as they have never tried to contact me.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
Zwicker & Associates, XXXX. ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) is collecting on a default judgment ( Index No. XXXX, Civil Court of the City of XXXX XXXX , {$3600.00}, entered XX/XX/XXXX ) obtained by XXXX XXXX XXXX XXXX . I was never served with the underlying complaint filed in XXXX. I received zero prior communication from Zwicker & Associates at any time no letter, no email, no telephone call at my XXXX XXXX XXXX address or my XXXX, Massachusetts address, before discovering in XX/XX/XXXX that my XXXX XXXX account ( ending XXXX ) had been restrained. On or about XX/XX/XXXX, Zwicker served a Restraining Notice on XXXX XXXX XXXX, XXXX. The restrained account contained exclusively Massachusetts unemployment insurance benefits ( $ XXXX ) and a {$2000.00} security deposit refund funds absolutely exempt from levy under New York Labor Law 595 ( 2 ), CPLR 5205 ( 1 ) ( e ), and Massachusetts M.G.L . c. 151A 36. The entire balance of {$2900.00} also fell below the {$4000.00} automatic exemption under CPLR 5222-a. XXXXXXXX XXXX XXXX own documentation confirmed the account was not located in the state of the restraining order and scheduled automatic hold removal for XX/XX/XXXX meaning Zwicker lacked authority to maintain the hold without a separate Massachusetts court order, which was never obtained. Violations include : ( 1 ) failure to provide any validation notice prior to collection action, in violation of 15 U.S.C. 1692g ; ( 2 ) restraint of absolutely exempt unemployment insurance funds, in violation of 15 U.S.C. 1692f ; ( 3 ) use of legal process not authorized by law against an out-of-state account, in violation of 15 U.S.C. 1692f ( 1 ) ; and ( 4 ) failure to correct inaccurate credit reporting upon notice of dispute, in violation of 15 U.S.C. 1681s-2 ( b ). I have sent two formal demand letters ( XX/XX/XXXX and XX/XX/XXXX ), the first of which served as a 30-day XXXX XXXX demand under Massachusetts law . No response has been received. I am seeking : release of all credit reporting associated with this judgment ; vacatur of the underlying default judgment ; and monetary relief for FDCPA and XXXX XXXX violations. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
Contacted Zwicker and Associates to settle an outstanding debt collection that had a judgement. We agreed on a payoff amount over the phone but they refused to send any type of agreement in writing. I do not even have an accurate payoff amount for the full judgement and the claim was because the interest rate charged changes daily to the amount owed. I asked if I paid the agreed amount over the phone in that moment would I receive a receipt stating paid in full and they said no I would have to contact another number with the attorney who was assigned to that claim. I called the number provided to speak directly to the attorney and it just called the same automated number. As of now they claim they can not give anything in writing and XXXX person stated that the phone call was recorded and that was enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX charged {$3700.00} to my CareCredit ( Synchrony ) account for orthodontic treatment. According to XXXX Explanation of Benefits ( EOBs ), this orthodontic case is in-network, and the total cost should have been based on negotiated member rates with insurance paying in periodic installments. The billing submitted by XXXX did not reflect these in-network rates and instead appears to have been charged at a higher, incorrect amount. XXXX processed claims over time consistent with an installment-based orthodontic treatment plan, confirming that the total patient responsibility should have been significantly lower than the amount charged to CareCredit. XXXX later issued a partial credit of {$740.00} ; however, this did not correct the full overbilling. As a result, an inflated balance remained on the CareCredit account. On XX/XX/XXXX, based on the expected correct balance, the remaining amount should have been approximately {$68.00}. Instead, I was billed and paid {$88.00} on that date. Any payments made after that point were due to the continued incorrect balance. Because the account balance remained overstated : Interest charges and fees were applied to an incorrect amount The balance continued to grow inaccurately The account may have been negatively reported due to this unresolved billing error I have attempted to address this issue, but the balance has not been properly corrected.

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: NE

Complaint narrative:
This complaint concerns severe financial coercion, predatory financing practices, and UDAAP violations by Ford Motor Company and its financing arm. In XX/XX/XXXX, my XXXX XXXX XXXX suffered a catastrophic turbocharger failure, chemically saturating the internal HVAC system with toxic ethylene glycol vapors. Despite receiving advance medical directives from an OB/GYN and a Pulmonologist declaring the cabin air highly toxic to my pregnant wife and my moderate persistent XXXX, Ford refused to perform a scientifically verified decontamination. On XX/XX/XXXX, a Ford representative issued a severe financial ultimatum, preserved verbatim in an unalterable call transcript. The representative mandated that I resume possession of the chemically contaminated vehicle or face immediate financial default/repossession. When reminded of the medical hazards, the representative explicitly stated that if we suffered a respiratory crisis while driving, we should simply " call the ambulance. '' This high-pressure corporate ultimatum directly caused a severe hypertensive crisis ( XXXX BP ), requiring emergency medical transport to XXXX XXXX XXXX for cardiac evaluation. Because Ford Credit formally referred me to the manufacturer 's legal team on XX/XX/XXXX, and that team subsequently " ghosted '' all communication, I was left trapped. I was physically blocked from safely utilizing the asset I was financing, yet legally forced under threat of financial ruin to pay for it. To protect my family from chemical exposure, I was forced into an involuntary-duress trade-in, absorbing a massive {$7600.00} financial loss in negative equity. This is a financial protection issue : Ford utilized deceptive service practices and predatory high-pressure ultimatums to force a consumer into destroying their own equity. The underlying vehicle safety failure has also been escalated to the federal level under XXXX XXXX Defect Complaint Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
We had a loan with XXXX XXXX for {$14000.00} aand they sold half to Shellpoint, which is also owned by XXXX. Shellpoint says, after making monthly payments of XXXX bucks for a decade, they say we still owe {$10000.00} and when we get close to paying it off they want a {$3000.00} baloon payment. Our payments with XXXX were XXXX bucks a month and we paid off their XXXX a bout XXXX ago so we should have paid off bothh at the same time. I get the runaround when I ask questions. I can ' y get a loan fort aluminum siding because Shellpoint reports we have a XXXX balance but we still have payments. Something is wrong there and I can't figure out what to do about it. Thanks, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Synergetic Communication Inc
State: AZ

Complaint narrative:
Synergetic Communication , Inc. is actively violating the Fair Debt Collection Practices Act ( FDCPA ). I provided them with a formal dispute backed by a XXXXXXXX XXXX XXXXXXXX inspection report proving that my lease was legally terminated and ordered closed due to a severe health and safety hazard. Synergetic refused to review the government record. Instead, they sent a fraudulent 'verification ' notice, claiming they verified the debt solely by asking the landlordwho is actively ignoring the municipal closure order. Furthermore, Synergetic has been notified that my income consists entirely of protected Social Security and pension benefits.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am disputing the multiple errors occuring during servicing, accounting, and credit report issues with NewRez/Shellpoint Mortgage . These include servicing transfers and payment application errors We made payments from original lender to this lender and payments where not applied and showed us delinquent when we paid. This has caused inappropriate credit reporting on other dates where we where on forebearance and also marked us late for XXXX months plus. payments sent are not being applied properly, company keeps delaying and has documentation errors. also agents that we worked with gave us misinformation when they worked on our case. i have about XXXX worth of more documents but can only submit XXXX of documents

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MI

Complaint narrative:
b'Chime wont let me canceled the chime XXXX card I havent used in a year the card is still being charge on my XXXX XXXX app I dispute it also with XXXX XXXX but chime is say the transaction a summary so cant get it back when on my transaction list it clearly says transfer an m chime account had XXXX the months before my payment yo my credit builder was XXXX a month from chime soon as I got my tax return they starting raking big payments on XXXX XXXX from me talking about secured account (illegally) Im disabled how imma pay my rent with kids which is confusing cause why is chime moving people money without permission in the customer account then the customer cant dispute It because they gon tell its just says XXXX but its a summary that dont make since when I had XXXX \nChime made me feel so helpless when ask them why keep denying me when I proved im disabled and couldnt walk they still sad I need a police report chime let me down the kids and I cant even pay for rent lights gas everything be chime wont help me I have XXXX XXXX XXXX disabled I cant walk I even sent my disability paperwork to them thru still said they need a police report I keep saying im disabled they say its nothing else they can do for me unless I get a police report this is not fair they ask u to orovide proof and chime still denying you your own money that was stolen I dont know what to do I even gotta find another home for me and kids cause chime dispute denying me I couldnt pay my bills Im behind its like they just just took my whole apart I never felt so ashame of being disabled and helpless please help me someone I need help my family is at risk because of this please thank you for your time I appreciate anyone who help me ! Every transaction I try to dispute with chime is being denied I dont understand because Im disabled and I sent proof documents it wasnt me please they taking people money for no reason I need help please somebody I did not ask chime to pay a dept collector on XXXX XXXX from a card chime see I havent used in a year chime stride is a scam I had to cancel a chime I havent used so once last year I disputed this with XXXX XXXX also Im disabled how could chime do this to customers how is this legal'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: MA

Complaint narrative:
Two disputes for fraudulent charges were made in XX/XX/year> XXXX numbers were provided by XXXX XXXX I made contact to numerous email addresses and attempted many phone calls Phone numbers provided are extremely difficult to get through to a person and the system hangs up on you. Further support was promised after case numbers provided Case numbers that were provided from same email were then said to not exist 2 days later. Further support was again promised The entire situation is clearly being dismissed by this company. They are showing abuse of power and complete neglect for their customers.

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 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I formally disputed this alleged debt with LVNV Funding / Resurgent Capital Services and requested full debt validation and verification, including the identity of the original creditor, complete chain of assignment or transfer, proof of ownership of the alleged account, itemized accounting of the balance claimed, and documentation sufficient to verify the accuracy of information being reported to consumer reporting agencies. My request was submitted on or about [ XX/XX/year> ]. ( USPS ) XXXX In response, the company provided only generalized billing statements and/or account summaries similar to ordinary monthly statements. The company did not provide documentation sufficient to reasonably verify ownership, assignment, or the accuracy of the alleged balance despite my dispute and request for investigation. I continue to dispute the account and the adequacy of the verification provided. I request that the company conduct a reasonable investigation and either provide competent documentation sufficient to substantiate the alleged debt and reporting or correct/delete any information that can not be properly verified. I further request that the account continue to be reported as disputed during any investigation. Additionally, I previously submitted hardship documentation to the company after being requested to provide supporting information regarding my financial and medical hardship. I provided documentation relating to my disability status, medical limitations, public assistance, and inability to work, including documentation concerning serious back and shoulder injuries. Despite providing the requested information, I did not receive a meaningful response or explanation regarding the hardship review or the companys continued reporting and collection activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I am disputing the alleged debt being reported on my credit file. I did not receive any notification of this alleged debt until after the account had already been reported to all three credit bureaus, depriving me of the opportunity to dispute or validate the account before negative reporting occurred. This account appears to have been furnished to the credit bureaus prior to my receipt of the written notice required under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation