vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Komyatte & Casbon, P.C.
State: IN

Complaint narrative:
On XX/XX/XXXX, Komyatte & Casbon, P.C., a debt collector, located in XXXX, IN XXXX sent a notice demanding payment of a {$270.00} medical debt associated with a local hospital organization. Such amount was previously paid on XX/XX/XXXX. I contacted that debt collector per the number on the notice and noted the payment of the debt. However, debt collectors personnel demanded that I provide supporting documentation and incur the expense related thereto. I believe a debt collector is responsible for ensuring whether the debt has been paid prior to collection efforts. I am concerned that this may be a pattern of improper actions by Komyatte & Casbon , P.C . against other purported debtors and that such debt collector should be held accountable for verifying the debt status before imposing on good persons.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BOEING EMPLOYEES' CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I attempted to purchase have a XXXX XXXX XXXX, with no success. I spoke with my banking institution on XX/XX/XXXX, and they informed me that they automatically decline all attempts to purchase XXXX XXXX  and XXXX. They were both unwilling and unable to do anything about it. I don't think I have to explain why I consider refusal to do business with a federal government in good standing is evidence of fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I bought the XXXX XXXX XXXX in XXXX and found out in near the end of my loan that I owed as much as I did when I purchased it back in XXXX. They were saying that since I did skip a pays ( During COVID ) that, that was reason I still owed like XXXX. I kept fitting it and I was not getting anywhere with them. They told me that if I did not pay off my loan within XXXX  days of the maturity date that they would come get it. I never got a letter saying they were coming to get it and never got a letter saying what they sold it for. I think that I was unfairly treated and that I was taken advantage of. There is no way that I still owed that much after 7 years of payments. 
I sent certified mail to them prior to this once I found out that the balance was wrong with the corrected balance ( Highlighted ) and never got a response from them, and yes, they did sign for the letter. Exeter finance did tell me on the phone that I had paid $ XXXX on this loan, so how do I still owe $ XXXX on a loan after 7 years that had an original loan amount of like $ XXXX. This does not make sense at all. There were several payments where the balance did not change for years. 
I also sent a second letter letting them know that they never responded and did not get a response on that attempt either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: NC

Complaint narrative:
The loan should have been at a XXXX balance. The company called me and spoke of a balance I advised the loan should be at XXXX due to total loss. The company representative advised me on a recorded line they would investigate and confirm the XXXX balance. They never contacted me again and the company never reached out and has now reported a balance as delinquent. The company never provided a transcript of the recorded call with what was discussed or proof of collection efforts beyond sending a notice to an expired address when they had my contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I deposited a check for {$12000.00} from home owners insurance on XX/XX/XXXX to fix my roof due to hurricane damage. on XX/XX/XXXX Navy Federal Credit took {$11000.00} from my checking account for XXXX credit card without my permission nor notification. I called on XX/XX/XXXX to disputed and I had given the signed permission when I initially applied for the card. I request that they send me a copy and was told that because the credit card account was closed on XX/XX/XXXX, then charged off on XX/XX/XXXX and the payment that they took paid the balance they longer had access to the document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: CA

Complaint narrative:
Some one scammed me on XXXX had me put in my card num to verify my account or they said it would be closed in XXXX hrs so I put in my info and they drained XXXX out my account and chime will not give me my money back and this has caused a lot problems paying my bills it was half the money I have to my name the charge was from blockchain something

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX The Carrington Company XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX, My wife and I are very disappointed with your servicing of our first mortgage. 

It is our opinion that your XXXX  personnel are very unresponsive and lack the knowledge to solve issues with our mortgage. 

Because your serving company failed to pay our hazard insurance on time, not once but twice, the XXXX of California cancelled our insurance. What occurred is the insurance department of your company did not send the payments early enough which left us uninsured for several days. 

We requested to take responsibility to pay the insurance and taxes but was denied several times. Also, your analysis of the withholding is incorrect. 

If you are not able to impound the correct amounts ( {$1400.00} insurance and {$3600.00} divided by 12 ) and pay on time, we will take legal action. We have notified the Consumer Financial Protection Bureau in the form of a complaint.

We have voiced our concerns with XXXX XXXX XXXX and XXXX XXXX XXXX, both seen ill equipped to solve the problem. 

We would appreciate a response from you to either allow us to control our impound or equally important you impound the correct amount and pay it in a timely manner to avoid violation of RESPA federal law. 

Regards, XXXX XXXX and XXXX XXXX loan XXXX XXXX XXXX XXXX XXXXXXXX, Chairman XXXX Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I can not believe that Cap One doesnt consistently show when my payments are due!!! Their website is totally screwed up!!!!!!!!!!! I have 5 cards with them, and it always used to show the due dates on there, now it hardly ever works!!!! IT WOULD BE VERY EASY TO MISS A PAYMENT BECAUSE OF THEIR NEGLIGENCE IN THEIR WEBSITE!!!!!! I think they do this on purpose so customers will miss payments and they can rack in more late fees!!!!!!!!!! And most of the time when I make a payment, it shows the available credit, but it is not accurate and sometimes not even for the card I just made a payment on!!!! Considering the MASSIVE interest rate, and all the cash they are racking in, they should have a good " IT " team to fix their website!!!!!!!!!!!! AND THEY ALSO REFUSE TO LOWER THE INTERST RATES ON ANY OF MY CARDS!!!! THEY HAVE NEVER BEEN LATE EVER!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX inquired about XXXX accounts owned by my parents. Father died - the funds went to my Mother - funds put into Mother 's name and when she died, I inherited all of the funds. in XXXX, I asked for and was granted a legal review by USAA CEO office. 
They reviewed and decided I was to get the funds. They put funds in my USAA investment account. 3 months later, a Disgruntled wan na be heir got a lawyer to write a letter saying Mother 's signature on notarized XXXX was alleged and that there were other heirs. This was a lie. On the say so of these lawyers and without a court order, USAA clawed the money back and froze my own USAA investment accounts without one word to me or alerting me to their actions. Now, USAA says it has lost the original signature card, which they had to have when they first transferred the XXXX accounts to me, the sole heir of my Mother and now the lawyers have decided the XXXX accounts will go to other heirs also. This is not what my parents wanted and I have decades of statements - All with XXXX designation. My parents died believing the accounts were XXXX and Mother could assign them to me, her only heir. We just now deposed the lawyer who handled this for USAA - after he tried to dodge the subpeona for a couple of years. What can I do now? A jury got involved and decided the money was not XXXX - USAA is responsible for keeping records. Can I sue and how and when

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — FHA 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: Idaho Housing And Finance Association
State: ID

Complaint narrative:
I am in a Trial Plan to save my home. A bank typo caused a return. I called Friday XX/XX/XXXX and today XX/XX/XXXX to pay with guaranteed funds. They are refusing to take my money and are instead 'reviewing calls ' while my home remains at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
On or about XX/XX/year>, I formally disputed an alleged debt being collected by Columbia Debt Recovery LLC ( dba Genesis ) related to a former apartment complex, XXXX XXXX XXXXXXXX. In that dispute, I provided notice that the underlying matter had been filed in the XXXX XXXX XXXX ( XXXX, MI ) under Case XXXX XXXX and was voluntarily dismissed by the plaintiff, leaving no judgment and no legally enforceable debt. 

Despite receiving written notice of the dismissal and my dispute, the debt collector stated that the account was validated without providing documentation demonstrating legal enforceability, such as a judgment or lawful basis for collection. The collector has continued collection activity and has reported or threatened to report the alleged debt to credit reporting agencies. 

Reporting or attempting to collect a debt that is not legally owed after a court dismissal, and after a timely dispute, constitutes a false representation of the legal status of the debt and continued collection activity without proper validation. 

I am requesting that this matter be investigated, that the collector be required to cease collection activity, correct any credit reporting, and provide confirmation that the account reflects a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, my Chase account was accessed from another state, and XXXX points were fraudulently redeemed for XXXX XXXX XXXX. Chase has confirmed this was an unauthorized login, and their security department verified there was suspicious activity on my account that day. 
I contacted Chase 's security department at XXXX, and they confirmed they could verify this suspicious login. However, they stated they can not send written confirmation directly to me.

Chase claims the gift card was sent to my personal email address, but I never received any such emails. I reported this fraudulent activity to Chase within one month of occurrence.

According to Regulation E, Chase is required to verify that I authorized this redemption. Since they can not provide evidence that I authorized this transaction, they should be liable for covering my loss of XXXX points.

I am requesting that Chase : Restore the XXXX points to my account Provide documentation of their investigation Confirm what security measures will be implemented to prevent future unauthorized access

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I am submitting this complaint regarding a private student loan originally issued for attendance at XXXX XXXX  and currently owned/serviced by XXXX XXXX XXXX XXXX . Despite making payments for many years, nearly the entirety of my repayment to date has gone toward interest rather than principal, raising serious concerns about the fairness, transparency, and servicing of this loan.

Detailed Explanation : This private student loan entered repayment on or around XX/XX/year>. The loan carries a variable interest rate that is currently 8.25 %. As of today, the loan has the following characteristics : Total amount paid to date : approximately {$19000.00} Principal paid to date : approximately {$10000.00} Interest paid to date : approximately {$9400.00} Total accrued interest : approximately {$13000.00} Remaining principal balance : approximately {$4500.00} Despite over a decade of consistent repayment, nearly 100 % of my payments during substantial portions of the loans life were applied to interest rather than reducing principal. This outcome was not clearly explained or meaningfully disclosed at the time the loan was originated, nor was it adequately explained during repayment.

At no point do I recall being clearly informed that the structure of this loan would result in such an extreme front-loading of interest or that long-term repayment could result in paying close to ( or more than ) the original principal amount again in interest alone. The variable interest structure and its long-term impact were not clearly or practically disclosed in a way an average borrower could reasonably understand.

Additionally, I am concerned about : Whether interest has been calculated and applied correctly over time Whether payment allocation practices were fair and transparent Whether required disclosures regarding interest capitalization, variable rate adjustments, and amortization were adequate and compliant Requested Resolution : I am requesting that the CFPB : Review the origination and servicing of this loan for unfair, deceptive, or abusive practices Require the lender/servicer to provide a complete and clear accounting of interest calculations and payment allocation over the life of the loan Ensure that all disclosures provided at origination and during servicing complied with applicable consumer protection laws I am not disputing that I signed a loan agreement; however, I believe the structure, disclosures, and servicing of this loan resulted in a repayment outcome that was fundamentally misleading and unfair to the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I am filing a complaint regarding a duplicate ACH debit and delayed resolution of an electronic funds transfer error involving XXXX, which is my bank and primary financial institution.

On Wednesday, I received my paycheck and immediately made an authorized payment to my local water utility through XXXX. Due to a transaction limit, the payment was split into multiple authorized charges, including standard third-party processing fees. 

The following morning, XXXX  processed additional unauthorized duplicate debits in the amounts of {$410.00} and {$11.00}, which were not authorized and were the result of XXXX XXXX reprocessing of an already-settled transaction.

These duplicate debits caused my account to go negative, and XXXX  covered the overdraft, leaving me with a negative balance of approximately {$91.00}. As a result, I no longer had funds available to pay my electric and phone bills, creating immediate financial hardship and loss of essential services.

I have provided screenshots, transaction records, and recorded phone calls showing that : The water utility only received the original authorized payment The third-party processor acknowledges only two transactions The later debits were duplicated and not new charges Despite submitting all documentation, XXXX has delayed resolution and has not issued provisional credit, even though this qualifies as an electronic funds transfer error involving duplicate ACH debits.

I am requesting : 1. Immediate provisional credit for the duplicated debits 2. Removal of the negative balance caused by the error 3. A written explanation of how duplicate debits were allowed to post 4. Assurance that essential funds access will not be delayed during investigation This delay has caused significant hardship, and I am requesting CFPB assistance to ensure compliance with electronic funds transfer error resolution requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I am filing this complaint regarding a debt collection company that claims to have purchased an auto loan from XXXX XXXX and has filed a lawsuit against me for a vehicle that was totaled in a crash that I did not cause or authorize.

I dispute this debt in full.

Despite the disputed nature of this account, the collector has proceeded with litigation and negative credit reporting without providing proper validation or evidence that I am legally responsible for the alleged balance. This has caused financial harm and significant stress.

I am also seeking confirmation regarding XXXX XXXX  on the original loan. If XXXX coverage existed, it should have been applied following the total loss of the vehicle. Failure to apply XXXX XXXX  while continuing collection activity raises serious concerns regarding improper servicing and unfair collection practices.

I have requested, but not received : Proof of ownership of the debt A complete account history and original contract Documentation explaining liability after the total loss Confirmation regarding XXXX XXXX and its handling I am requesting regulatory assistance to ensure : 1. The debt is properly validated 2. Inaccurate credit reporting is corrected or removed 3. Collection and legal actions are halted while the dispute is under investigation I believe the actions taken by this collector may violate the FDCPA and FCRA, and I respectfully request a full review and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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