vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding LLC, through their attorneys XXXX XXXX XXXX XXXX, filed a civil debt collection lawsuit against me in XXXX XXXX XXXX, XXXX XXXX, Ohio ( Case No. XXXX ) a court that does not have territorial jurisdiction over me. I reside at XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. XXXX XXXX is not within XXXX XXXX XXXXXXXX XXXX authorized jurisdiction under Ohio R.C. 1901.02 and R.C. 1901.17. Plaintiff used an incorrect address XXXX XXXX, Ohio which is also outside XXXX XXXX XXXX XXXX jurisdiction. The certified mail summons failed and the property was returned as VACANT. I was never served and never had notice of any proceedings. A default judgment was entered against me on XX/XX/XXXX without my knowledge. On XX/XX/XXXX 16 months later Plaintiff obtained a wage garnishment order served on my employer XXXX XXXX XXXX ( XXXX XXXX ). {$190.00} was withheld from my wages in the first garnishment pay period ( pay period ending XX/XX/XXXX ). I first learned of any of these proceedings on XX/XX/XXXX when my employer notified me of the garnishment. I filed a Motion to Vacate the void default judgment on XX/XX/XXXX. FDCPA violations committed : ( XXXX ) No validation notice provided before filing suit 1692g ; ( 2 ) Filed in improper venue 1692i ; ( 3 ) False and deceptive representations 1692e ; ( 4 ) Unfair means garnishment on void judgment 1692f. I am a XXXX XXXX XXXX XXXX XXXX XXXX Veteran. XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: PA

Complaint narrative:
I am writing to file a formal compaint regarding an international remittance transfer initiated on XXXX 2026 for the amount of {$1000.00} USD to XXXX by XXXX ABOUND App ( Transaction ID : XXXX ) .The funds were debited from my account on XX/XX/XXXX and were promised to be delivered by XXXX XXXX. As of today, the transfer has not been completed. This prolonged delay, without resolution, is unacceptable. After repeated follow-ups, I was explicitly informed that a refund would be issued if the transfer was not completed within 35 days. However, when I requested the refund on XX/XX/XXXX, I was told that a refund was no longer an option, directly contradicting your earlier assurance. This inconsistency, combined with the continued withholding of my funds, reflects a lack of transparency and accountability. The customer service responses have been inadequate and misleading throughout this process. If this issue is not resolved immediatelyeither by completing the transfer or issuing a full refundI will be compelled to escalate the matter by filing complaints with relevant financial regulatory authorities and consumer protection agencies. I expect urgent action and a clear resolution.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
We are filing a complaint against Marcus by Goldman Sachs. In late XX/XX/year>, we received an email offer for opening an account or adding funds to an existing account and receive a bonus after XXXX days. On XX/XX/year>, we deposited {$50000.00} to our on line saving account. This deposit was supposed to entitle us to {$500.00} bonus after XXXX days. On XX/XX/year> we contacted the customer service to inquire about the whereabouts of this {$500.00} bonus since it did not show on our account. We were advised by XXXX, the representative ; and XXXX, the XXXX that we are not eligible for the bonus because the account was not registered for the bonus. At no place in the promotion was there any mention of the account needing to be registered in order to earn the bonus. We feel that XXXX was extremely deceptive. We earned this bonus and would like to see Marcus by Goldman Sachs fulfill their obligation and credit our account for the {$500.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX, immediately after a predatory company drafted an electronic ACH debit of {$490.00} from my savings account, I contacted Wells Fargo to file a formal dispute. Wells Fargo illegally denied my claim, stating they 'could not do ' a dispute on an ACH feed. This company drafted a {$1000.00} down payment and two installments of {$490.00} directly from my Wells Fargo savings account, totaling {$1900.00}. I am demanding the CFPB force Wells Fargo to audit my XXXX contact history and reverse these funds under federal Regulation E.

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 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SERVICEMAC, LLC
State: AZ

Complaint narrative:
We are trying to close the sale of our home, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. The title company is ready to close, but ServiceMac claims a payoff statement was sent on XX/XX/year>, but the attorney 's office ( XXXX, XXXX XXXX XXXX XXXX ) claims it was never received. Because of this deadlock, the transaction is stalling. ServiceMac verbally told us that they provided a payoff statement on XX/XX/year>, but would not provide evidence when requested. The title company ( XXXX XXXX XXXX XXXX ) has attempted to assist with no success. The buyer is an active-duty military service member who is scheduled for imminent XXXX. If we do not receive the payoff numbers by XX/XX/year>, the buyer will back out, leaving a deploying service member and his family unhoused and forcing a preventable foreclosure. We want to successfully close this transaction and pay off the debt. We need your help because ServiceMac refuses to talk with us, and the attorney 's office is not doing anything. Our agent XXXX XXXX is also not doing anything to help and has put the burden of all of this on us.

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 2026-05-28 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have an account with chase my account number is XXXX I opened a claim about unauthorized charges 1 {$750.00} ref number Reference # XXXX XXXX {$1400.00} Reference # XXXX XXXX {$9000.00} Reference # XXXX They closed without review 2 and 3 disputes and only kept lowest amount number 1 When i called to chase about reopen closed disputes they asked for police report and even I uploaded police report they did not reopen and deposit my money back to my account. Could you pls help me about reopening 2 claims which chase closed number 2 and 3 And can they deposit my money back to my account? They have customer protection but they do not do it.. Chase put me in very bad situation. I need to do some payments like auto loan my home rent payment but they did not get my money back Could you pls urgently get in contact with them to fix this problem Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: First Help Financial, LLC
State: NJ

Complaint narrative:
XXXX To whom it may concern, I am writing this letter as a formal complaint regarding the delay in receiving the title for my vehicle, even after the loan was fully paid off. My final payment was made on XX/XX/year>, and since then I have been waiting more than XXXX months for my title. During this entire time, I have called multiple times asking for help and updates, but instead of resolving the issue, I continue being transferred from one representative to another without any real solution. I already confirmed and corrected my mailing address, and I have done everything requested from my side. However, I still have not received my title. I respectfully but firmly demand that my case be given immediate priority. Once the vehicle was fully paid, the title legally became my property, and I have the right to receive it without unnecessary delays. This situation has caused me stress, inconvenience, and problems handling my vehicle registration matters. I expect immediate action and a clear resolution regarding the status and delivery of my title. Please escalate this matter as soon as possible. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX United States

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account from XXXX XXXX XXXX XXXX opened XX/XX/year> account number XXXX that is inaccurate and not properly verified. I have disputed directly with the credit bureau and furnisher but the accounts remains inaccurately on my report without proper validation or documentation. Under 15 usc 1681 s2a data furnishers must report accurate information. Under 15 usc 1681 i must perform a reasonable investigation within 30days. Neither have provided documentation. Please see attachments below to show inaccuracy.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
I am filing a complaint regarding a XXXX account being reported inaccurately. The installment dates, payment history, and balance do not match my records. The provider has not provided documentation verifying the original agreement, installment schedule, payment history, XXXX, or balance calculation. Monthly updating of a shortterm XXXX loan is misleading and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft, and during the government shutdown for over a month and a half, I reached out for assistance but was denied help. This situation has caused a major hardship for me, and XXXX made multiple attempts to resolve the matter the proper way. XXXX simply asking for support and guidance so this issue can be handled fairly and appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Certified Mail LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number : XXXX ; XXXX To Whom It May Concern : Under my rights provided by the Fair Debt Collection Practices Act, I am requesting that you cease all communication with me regarding the above-referenced alleged debt. You are hereby instructed to stop contacting me by phone, text message, email, social media, or mail, except as allowed by law to notify me of specific legal action or that collection efforts are being terminated. I do not admit liability for this debt, nor do I acknowledge the validity of this account. Any further improper contact may be documented as a violation of federal law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Account Number : XXXX To Whom It May Concern : Under my rights provided by the Fair Debt Collection Practices Act, I am requesting that you cease all communication with me regarding the above-referenced alleged debt. You are hereby instructed to stop contacting me by phone, text message, email, social media, or mail, except as allowed by law to notify me of specific legal action or that collection efforts are being terminated. I do not admit liability for this debt, nor do I acknowledge the validity of this account. Any further improper contact may be documented as a violation of federal law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/XXXX, I received a text message from Chime asking me to authorize a charge from a XXXX service provider. I denied the charge six separate times. Despite this, the charges continued to come through, and I later discovered a total of XXXX attempted charges from various XXXX servicers. In response, I immediately cancelled all of my Chime cards, removed every linked card and account from all of my XXXX profiles, and used XXXX XXXX exclusively until my new physical cards arrived. After requesting replacement cards, I contacted Chime by phone to open a dispute for all XXXX unauthorized charges. During my initial dispute, I did not yet have supporting evidence. Once the dispute was reopened, I provided screenshots of the text message alerts showing that I repeatedly denied the charges. I also submitted proof that I cancelled my cards, requested replacements, and evidence showing that the transactions were initially declined but still ultimately withdrawn from my account. Throughout this process, I have spoken with multiple Chime agents while seeking assistance. Unfortunately, despite repeated attempts, I have not gained any traction or meaningful support. During my most recent call, after requesting to speak with a supervisor, I was not given any assistance and was ultimately hung up on. The total unauthorized amount withdrawn from my account is {$280.00}. In todays economic climate, losing that amount is significant, it can easily mean missed bills or essential groceries. Given the immediate steps I took to prevent these charges and the lack of resolution after numerous attempts to get help, I am requesting clear answers and a fair resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I own my own business called XXXX XXXX. I had explained to Chase Bank that I was unaware that an employee of mine had deposited a fraud and fake check into the business account. I had explained the situation to Chase Bank and had provided them all of the employee information and also told them it was not me that deposited the check. The fraud and risk management team said that they are giving me a certain amount of time to contact the company the check has the name of and have them " verify '' the check. Now, I have already explained to them multiple times that is impossible ; because I already told them it was a fraud check once they called me and told me they suspected fraud. How am I supposed to call a company that doesn't exist? They are threatening to close my account for good and also ban me from banking with them ever again in my life. I do not believe I should be penalized as I have been a victim of identity theft in this situation. I am asking you to please contact Chase leadership, explain the situation to them and have them release my account and continue the banking relationship with me as this was not at all my fault. Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) was assigned a debt originally owed to AAFES. XXXX contacted my employer and sent documents containing my personal debt information to my workplace without my consent and without a court judgment. I am a XXXX employee of a government contracting company working on a federal installation. This unauthorized disclosure has jeopardized my employment and professional reputation. XXXX also added collection fees not authorized by my original agreement. AAFES has confirmed the account can be recalled from XXXX. No court judgment exists against me. TSIs contact with my employer has caused significant stress and potential harm to my employment situation.

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 2026-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Subject : Dispute of Incorrect Lease Balance Reporting XXXX XXXX XXXX Account To Whom It May Concern, I am formally disputing the reporting of an alleged balance associated with my XXXX XXXX XXXX account that was terminated in XXXX. At the time the leased vehicle was returned, the account was turned in with a XXXX balance owed and should have been reported as paid, closed, and in good standing. Years later, I was unexpectedly contacted by a third-party collection agency claiming a balance was owed. Upon contacting Infiniti Financial Services, I was informed that the account had been closed and transferred to collections. However, despite this claim, XXXX continues to report the account as open, in good standing, and with an outstanding balance on my credit reports, which is contradictory and inaccurate. I have made several attempts to resolve this matter directly with Infiniti Financial Services, requesting that the account be properly updated to reflect the lease as paid and closed with no balance due. Unfortunately, the company has refused to correct or remove the inaccurate balance reporting. I am requesting an immediate investigation into this matter pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, I request that : XXXX. The inaccurate balance be removed from my credit reports ; XXXX. The account be updated to reflect a XXXX balance ; XXXX. The account status remain listed as paid/closed and in good standing ; XXXX. Any inaccurate or misleading reporting associated with this account be permanently corrected. Please provide written confirmation once the investigation has been completed and the corrections have been made. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Georgia XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: NH

Complaint narrative:
Planet home lending wrote a letter on XX/XX/XXXX stating that due to a flood map revision my home is now in a flood zone. This letter was not received until XX/XX/XXXX. I contacted my insurance agent XX/XX/XXXX to get flood ins. and was advised it would take up to XXXX weeks to get a quote from the national flood ins. I contacted XXXX ins on XX/XX/XXXX and was able to get flood insurance that day with XXXX ins. they sent a copy of the ins. to both Planet home lending and XXXX XXXX for my XXXX and XXXX mortgages. XXXX responded they were all set. Planet home lending sent me another letter of notification and so I called on XX/XX/XXXX talked to XXXX at XXXX and resent the documents again to XXXX and waited while he confirmed he received it and said I was all set. I looked at my mortgage online on XX/XX/XXXX noticed they took money from my escrow in the amount of {$110.00} for flood ins. I called asked why they took this money and was told I didn't do the right thing. I explained I did that I talked to XXXX dates and times and email it was sent to and that I did do the right thing. She then found the ins with sterling and said she could not help me. I said to let me talk to someone that could, I talked to XXXX XXXX she said she could not help me. I read to her their letter stating that I have XXXX to get flood ins. or they would obtain XXXX. for me. I did get insurance in 19 days. They are refusing to refund the {$110.00}. The XXXX said it was not their responsibility to notify me I was now in a flood zone that is was the reponsibility of the XXXX emergency management agency. They are charging me from XX/XX/XXXX to XX/XX/XXXX even though acourding to them I had 45 Days to obtain ins without being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief