vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Exto Inc.
State: CO

Complaint narrative:
Atlas card has been siphoning money from my accounts without authorization and they are stealing customers money you have to deposit money into your account to have a spending limit this limit is based on what you deposit and they do not allow XXXX cent over on XXXX XXXX I deposited XXXX into my atlas card over the next few days XXXX I made a total of XXXX worth of purchases they removed XXXX to cover those expenses which they kept every penny instead of returning the difference to my deposit account then 3 more transactions were made for XXXX which they are saying is what I owe them all the whole they are taking money directly from my bank account even though I deposited money this money was withdrawn directly Into atlas account not mine its been going on since XXXX I deposit money and they have been helping themselves to my money two totally different ip addresses any money I pay to atlas covers everything I spend including membership fees so they had no business in my account taking any money other than my voluntary deposits they are stealing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Loss mitigation Still noticed them already but letter shown as well need assistance

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 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
We are filing a complaint against GoodLeap for improper solar financing and unauthorized withdrawals. The solar system installed on our home in XXXX XXXX, Texas was never completed and has never worked. The installation company went out of business and left the job unfinished. GoodLeap withdrew monthly payments for several years even though the system was non-functional and incomplete. We were never provided a written contract, which is required under Texas law for home improvement work. Therefore, we never agreed to any financing terms in a valid or legal way. GoodLeap continues to contact us even though we have disputed the account. We are requesting : A full investigation Proof of contract Cancellation of the account Removal of any unauthorized debt Protection from further collection activity We did not receive the product or service we were charged for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am the authorized representative of XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, XXXX, BOA labeled the account closing and froze my business checking account. I was denied access to all funds and vendors went unpaid.held I was denied access to the balance of {$280000.00}. After playing this game for 55 days, they sent me a correspondence dated XXXX XXXX, XXXX, that they closed the account. Even though it was set for " closing '' XX/XX/XXXX. This was disclosed to me by the branch Manager in the XXXX, VA location. It is now XX/XX/XXXX, and just shy of 5 months, I have not received my money back. I request full amount immediately. As per XXXX XXXX XXXX XXXX, XXXX, I am authorized to receive all funds in compliance that were submitted to BOA upon opening the business account. As per I handle all financial transactions for the Company. Demand full refund to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX. I was looking at many monetary fines the banks have to pay for violating laws, yet they freeze my account with erroneous reasoning.

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 2026-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: A&D Mortgage LLC
State: PA

Complaint narrative:
Good afternoon, We have the mortgage on the rental property. The rental does not bring any income since we got XXXX. I have listed it for sale, which would be the best solution to satisfy the debt. All the time the rental was not profitable, I would pay the lender out of my salary. I lost a job, and the house still was not sold. Plus, I have another hardship involving XXXX XXXX. The AD Mortgage was informed right away that the payments will not be made, and we are looking for a short sale approval. The lender emailed that they will approve the short sale. Once the buyer made a cash offer, the AD Mortgage denied any possible negotiation and requested, in writing, the full payoff amount with the interest paid to them. But it was not what they originally promised, also in writing. AD Mortgage filed a foreclosure, fully aware that it would take XXXX year to foreclose and another 5 years to sell the house in the rural area with a high level of poverty. In addition to this, the house needs constant maintenance, heat in the winter and electricity in the summer to avoid standing water or frozen pipes. The utility bills are not being paid due to my financial hardship. The lender ignored all the above and believes that the lack of any negotiation is a good way to satisfy the debt. They obviously put the customers into a higher debt than people owe them. The property without maintenance will turn into a rehab and will lose any value to resell it at a higher price. In the meantime, the lender believes that they can wait for interest to go up and put even more debt on the property owner. The AD Mortgage company is engaged in unfair or deceptive practices against its customers during the foreclosure ; failure to mediate during foreclosure ; misleading the customers and offering the short sale that never gets approved unless paid in full, with the interest added.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

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 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 2026-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
recieved information from Ability Recovery Services LLC that states the balance is {$0.00}, they show XXXX different current creditors for account balance of {$2000.00} and refused to give me name and addresses and contact info for anyone, have reported this to the credit bureaus as a collection account now and is completely inaccurate. Refuse to help me and blame it on XXXX laws, I dont owe this medical bill from XX/XX/year>, Please help get this removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: FISERV FINXACT CORE
State: VA

Complaint narrative:
My former employer used XXXX XXXX XXXX for payroll. I was issued a card that I could use to write checks on my account. The documentation I received with the card and service indicated there was NO Monthly Maintenance Fee. I retired in XXXX and occasionally wrote checks on the funds that I had remaining in the account. My last transaction was on XX/XX/XXXX. I only used the phone service with prompts to check my balance and write checks. Today, XX/XX/XXXX, I called to write a final check only to find out that the account was closed and there was a XXXX balance due to a monthly service fee of {$5.00}. I spoke to three people at the company ( a female employee, a " supervisor '' XXXX, and a " Supervisor Specialist '' XXXX ). After getting the company dialog about automatic service fees, I asked how was I notified about the fee schedule. I was told, I got the schedule when I got the card. True, it states no monthly fee. Another rep told me that it was on the website. I told them I never used the website. I only use the call in number which provides a balance, so there was no way I would have known about the change in fees. I asked multiple times how the company directly notified me about the fees. No one could tell me. Every financial institution, I have used has always advised customers to changes that affect their account. I feel it is grossly unfair and unethical not to directly notify customers of fee changes and to assume everyone has access to a computer and is comfortable using one. By not notifying me and allowing me to make informed decisions and take action on my account, XXXX took the opportunity to drain my account. I would appreciate any help you can give me to recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XXXX of XXXX I stayed at XXXX XXXX XXXX XXXX and I used my Serve American Express XXXX XXXX XXXX for incendentals as required by hotel for my husbands room .I travel a lot for my employment so this is a regular thing but my 1st time using this new card. The total was $ XXXX tax {$110.00} after check out they said I'd receive it back on card in XXXX to XXXX hrs. Then a few days later I stayed at XXXX XXXX XXXX XXXX in and also had a {$50.00} Plus tax for incidentals that would also be realsed after checkout It's now been 23 days and I still have both pending transactions on card both hotels have released all fund on there end I ask called serve card and they said they haven't released it yet and I told them hotels said they have but the man said it'll be 30 days unless if hotel emails them at a particular email all my card info and all info from hotel he said it's common although I've never had this happen he said they are in XXXX and that's the policy and I even told him i I have receipts but he was pretty rude .Well this pending {$170.00} plus charges on my card has costed me alot on my other cards as this was my living financial money and depended on it it has caused so much stress and time calling card serve people numerous times and the hotels also it's 23 days and I need my money released the hotel did what they always do and never had problems getting holds tooken off cards but the Serve card is holding my money for no reason and I need it bsck

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year> at approximately XXXX est. I called twice requesting access to my account since I can not log into the account online, as my card was stolen and I wouldnt be able to validate any numbers from the pre paid debit card for the online portal. Bluebird requested that I provide my full name, SS #, date of birth, and email address associated with account. I provided all info correctly, however they stated they dont have the same email address on file. My records show that I do and I advised them that my XXXX account was hacked into a while ago so it is possible my information became compromised and altered. I offered to provide my address, routing and accounting number I have on file with this account, that I have a record of, but they refused that, focusing on the email address and card info which Ive repeatedly stated both were compromised and stolen. I asked to escalate this, providing the same information and I was still denied a written request and further assistance. I have over a thousand dollars in that account from a payroll deposit so this disappointing. I have a recording of our phone call and photos of my account information, including the correct email address that is is associated, but they insist is incorrect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: NY

Complaint narrative:
I obtained a {$19000.00} loan for a XXXX XXXX XXXX. At the time of purchase, the dealer promised to replace the front window and redo the brakes ; these repairs were never completed. I made all payments in good faith, expecting the dealer to honor these commitments. Management later changed, and the new manager was never informed of the promised repairs. The vehicle then developed transmission issues. I was told the problems would be addressed, but no mechanic was on-site, and I was left without a vehicle for days while waiting for service. Despite my attempts to resolve these issues, the vehicle was repossessed. I was not given adequate opportunity to retrieve or redeem the vehicle. After the repossession, I was informed of a remaining balance of {$7400.00}, which I assume reflects the sale of the vehicle at auction 12 days after repossession. I believe the balance is unfair given the unfulfilled promises, lack of timely repairs, and limited opportunity to recover the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OK

Complaint narrative:
My daughter was seen at the XXXX XXXX XXXX for a XXXX XXXX that she got from work at the time. She was covered under sooner care insurance and the insurance paid her balance in full. When I called XXXX XXXX to make sure once I received the notice from XXXX XXXX XXXX, that there is a open debt collection account on my Credit report for {$1100.00}. When I called the hospital they reassured me that the insurance company had just paid this balance in full. When I called XXXX XXXX XXXX l found it strange that a lady answered the phone but did not say the company name. She asked for my date of birth. My name, my address and my social security number, which I did give to her. When she asked me for my credit or debit card to get the report taken off of my credit immediately. I knew something lwas not right I hung up the phone with her. I feel that not only is the debt not owed at all, but the company or someone acting as a representative of the company is a scam. The number l called was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I am filing this formal complaint regarding the refusal of my credit card issuer to provide hardship assistance and the subsequent unfair fees that have led to my account becoming delinquent. 1. Description of the Issue : I am currently facing significant financial hardship. Although I have been attempting to manage my debt responsibly by making minimum payments through a debt program, the accumulated fees became unmanageable. When I contacted the financial institution to explain my situation and requested to enter a " Hardship Program, '' my request was summarily denied. The reason provided by the representatives was that my account had not been open long enough to qualify for any assistance. 2. Impact of the Refusal : Because the institution refused to offer any flexible payment options or fee waivers based on a " short account history '' rule, the balance quickly snowballed due to compounding fees and interest. This rigid policy has directly resulted in my account becoming several months delinquent, despite my proactive efforts to communicate my financial distress and my clear willingness to pay. 3. Efforts to Resolve : I have spoken with multiple representatives over several months. I repeatedly explained that I am committed to repaying my debt but needed a temporary adjustment to stay afloat. Each time, I was told that no options were available to me solely because of the age of my account, leaving me with no path to prevent delinquency. 4. Desired Resolution : I am requesting the following : An immediate waiver of the unfair late fees and penalty interest that accrued after I first notified the institution of my hardship. Access to a Hardship Program or a reasonable repayment plan, regardless of the accounts age, to resolve the delinquency. Correction of any negative credit reporting resulting from this specific period where assistance was denied. I believe it is unfair to penalize a consumer who is actively seeking a way to pay their debts simply because the account is relatively new. I look forward to your assistance in investigating this matter and facilitating a reasonable solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
The company refuses to re open my account .. Under the American with Disabilities Act, this isn't fair. If XXXX does not re open the account I would like to be fully refunded. I am sufffering from health issues and I have paid {$90.00}. Consumer ask them to refund my checking acount. I am dealing with the death of my mother. I need to get medical supplies over the phone. I also need to pay my phone bill. I paid the account. I wanted to use card. It's a low limit card anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ( part of XXXX XXXX XXXX ), the original creditor of an alleged medical debt that has been placed with XXXX XXXX and is currently damaging my credit file. The alleged debt of {$1300.00} stems from an emergency room visit on XX/XX/year>. The hospital has failed and refused to provide me with an itemized bill for this alleged charge despite multiple written requests over an extended period. All of my communications to the hospital have been ignored. I paid XXXX XXXX XXXX XXXXXXXX XXXX around {$1500.00} directly out of pocket for this visit. My health insurance also processed and paid claims for the medical services and supplies provided during the visit. The additional {$1300.00} alleged balance, described only as an " ER room fee '', has never been explained, itemized, justified, or substantiated. Without an itemized bill, I have no way to verify whether this charge is accurate, whether it duplicates services already paid for, or whether it should have been covered by insurance. The hospital then placed this unverified, unexplained balance with a third-party collector ( XXXX XXXX XXXX on behalf of XXXX XXXX XXXXXXXX XXXX XXXX which has reported it to my credit file. This has caused a significant drop in my XXXX-based credit score, despite an otherwise spotless credit history ( zero late payments, 100 % of accounts paid as agreed, scores in the XXXX on XXXX and XXXX ) XXXX As a nonprofit hospital, XXXX XXXX XXXX XXXX is required under IRC 501 ( r ) to provide itemized billing, maintain a financial assistance policy, and make reasonable efforts to determine a patient 's eligibility for financial assistance before referring an account to collections. The hospital appears to have skipped these steps in my case. Remove this collection/bill from my credit file. My insurance and I have already paid for the medical services. The hospital has refused to provide an itemized bill explaining the additional {$1300.00}, and they don't get to send an unexplained charge to collections and damage my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: NJ

Complaint narrative:
I am disputing a collection account reported by Associated Credit Services ( ASSOC CRDIT ) for XXXX XXXX XXXX account # XXXX balance {$520.00}. I was the account holder at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. My lease ended XX/XX/XXXX documented by a signed, countersigned NYC Rent Stabilization Renewal Lease Form executed by both parties. The disputed bill covers the period XX/XX/XXXX through XX/XX/XXXX a period that extends 11 days beyond my legal tenancy. The bill claims XXXX therms of gas usage. My entire tenancy averaged XXXX to XXXX therms per month. This single bill claims usage XXXX to XXXX times higher than any previous month physically implausible given my documented usage history. Before vacating I spoke with a XXXX XXXX representative who told me this bill would be resolved. XXXX XXXX never followed up and sold the account to collections. I formally requested debt validation from Associated Credit on XX/XX/XXXX. Their response on XX/XX/XXXX consisted only of forwarding the disputed XXXX XXXX bill the same bill that proves the charges are anomalous and occurred partially after my legal tenancy ended. Forwarding a bill does not constitute valid debt validation under FDCPA Section 809. They failed to provide proof of my liability, proof of their licensing to collect in New York, or documentation showing the charges occurred during my tenancy. I have since disputed this account with both XXXX and XXXX with full supporting documentation. The account was verified as accurate by XXXX without a reasonable investigation under FCRA Section 611.

Company response to consumer: Closed with explanation