vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I mailed my first dispute/validation request by certified mail ( tracking XXXX ). The company sent initial documents related to an old auto deficiency. On XX/XX/XXXX, I mailed a second dispute by certified mail ( tracking XXXX ). In that letter, I specifically requested ( XXXX ) chain-of-title/authority to collect, ( XXXX ) date of first delinquency, and ( XXXX ) a full itemized balance reconciliation because the reported collection balance was about {$14000.00} while prior deficiency documents showed {$19000.00}. I then mailed a final dispute by certified mail ( tracking XXXX ). I did not receive a substantive response to the second dispute within XXXX days. I dispute enforceability due to age and dispute the accuracy/completeness of the amount being reported. I request cessation of collection on unverified amounts and correction or deletion of inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Disputing the billing and reporting practices of Synchrony Bank regarding my Venmo Credit Card ( Acct # XXXX ). 

Effective XX/XX/year>, I enrolled account into a formal Debt Management Plan through XXXX XXXX XXXX XXXX ( XXXX ), Client # XXXX. Attached is the XXXX Disclosure Form, Synchrony Bank accepted a proposal for a Program XXXX of XXXX %. 

Since the first disbursement on XX/XX/year>, I have remained in full compliance, making every monthly payment of {$87.00} through the agency on time. However, the creditor has failed to honor the XXXX % interest term and continues to charge monthly interest on my statements. 
I have made multiple attempts to resolve issue by phone. However, Synchronys representatives consistently transfer me between unrelated departments, stonewalling my attempts to correct billing errors.

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 monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LPI, INC.
State: OK

Complaint narrative:
This complaint is in regards to my loan with LP Finance Group, LLC for the purchase of a spa in XX/XX/year>. 

I am writing to express my concern regarding the lack of transparency and accessibility for my loan account. As there is currently no online portal or regular quarterly statement provided, I do not have clear visibility into my account status. 

The original purchase price was {$8500.00}. After a down payment of {$2400.00}, the remaining principal was {$6100.00}. I have been making monthly installments of {$170.00} and have paid a total of {$4400.00} to date. However, I recently received a payoff quote of {$4400.00}, which raises concerns about how my payments are being allocated between principal and interest. 

Despite previous requests, I have not been provided with a detailed statement, or any information regarding my interest rate, as me nations there is no access to an online portal. I receive a generic email monthly with my payment amount and the date itll be withdrawn from my account. However I need and want an itemized statement of my account that clearly shows the application of all payments made to date, the pay-off amount and if there is an early pay off amount. I would also like to know the interest rate I am being charged as that is not disclosed either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have contacted this company a few times with no resolution. believe the amount was {$820.00} and some change and now the amount is {$1000.00} for XXXX and {$990.00} for XXXX is every month they keep adding these fees on the account. I have contacted them to set up to pay what I owe but I will not add the extra charges and they told me no the interest fees will continue to go onto the account which in turn is affecting my credit score. They also told me to pay off the bill in XXXX to XXXX  months where as they wanted me to pay over {$200.00} dollars and I explained I can't afford that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding my mortgage servicer, Mr. Cooper ( servicing on behalf of XXXX Loan Servicing ) .

I was actively engaged in a short sale agreement with Mr. Cooper/Lakeview. We were still within the agreed-upon process timeframe and were working in good faith to complete the short sale. During this period, I remained in communication with their representatives and relied on their guidance. 

While the short sale was still in progress, the company initiated foreclosure proceedings against us. This action directly contradicted the ongoing loss mitigation process and caused significant confusion, stress, and financial harm. 

Additionally, I spoke with XXXX of their agents about the possibility of a deed in lieu of foreclosure. The agent encouraged us to consider this option and specifically stated that we had sufficient time to complete the deed-in-lieu process. However, the very next day after that conversation, we were served with foreclosure paperwork by their attorneys. This was unexpected and inconsistent with the information provided to us by their representative. 

I believe the servicer engaged in dual tracking by pursuing foreclosure while a loss mitigation option ( short sale and potential deed in lieu ) was actively under review. I relied on their representations regarding timelines and available options, and their actions have undermined my ability to resolve this matter through an alternative to foreclosure. 

I am requesting that the CFPB investigate this matter and require the servicer to : Immediately halt foreclosure proceedings while loss mitigation options are under review. 

Provide a clear written explanation of why foreclosure was initiated during an active short sale process. 

Confirm whether proper procedures were followed under applicable mortgage servicing regulations. 

Review all communications and ensure that borrowers are not misled regarding timelines or available alternatives. 

I am seeking a fair opportunity to complete the agreed-upon loss mitigation process without the threat of foreclosure proceeding simultaneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting account number ending in XXXX, originally associated with XXXX XXXX, XXXX XXXX XXXX, with a reported balance of {$510.00} on my XXXX and XXXX consumer reports. 

This same account was present on my XXXX report as of XX/XX/year> and was deleted between XX/XX/year> and XX/XX/year> during an active dispute period. However, LVNV continues to report and actively update the same account on XXXX and XXXX 

If the information is accurate and properly verified, LVNV must explain why it was deleted from XXXX nationwide consumer reporting agency while continuing to certify the same data to others. 

To date : No meaningful Method of Verification has been provided. 
Complete and transparent verification documentation has not been supplied. 
The account continues updating despite prior disputes and unresolved identity concerns across bureaus. 

As a Texas consumer, LVNV is subject to the Texas Finance Code. Under 392.202, a debt collector must investigate disputed information and correct any inaccuracies. The selective deletion from Experian while continuing to report to other agencies raises concerns regarding the adequacy and consistency of that investigation. 

Additionally, reporting information that can not be consistently substantiated across consumer reporting agencies may constitute a violation of Texas Finance Code 392.304 ( a ) ( 8 ) and 392.304 ( a ) ( 19 ), which prohibit misrepresenting the character or extent of a consumer debt and using deceptive means in connection with debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
An unathorized Bank of America debit card transaction for {$2900.00} was made on XX/XX/year> for a purchase at a USPS PO in XXXX XXXX AR. The bank claims that this transaction was made by XXXX XXXX XXXX XXXX ( the cardholder ) or another person authorized to use the card. XXXX XXXX lives in XXXX XXXX CA. This transaction happened XXXX day after XXXX was discharged from the hospital and was not physically able to stand or walk for several weeks after and even today she is only able to get around in a wheelchair. No one in the household had XXXX debit card in their possession. XXXX household members were mostly concerned with providing care to XXXX who still needs XXXX hour care.

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 monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my consumer credit report and discovered information that is inaccurate, incomplete, and misleading. 

I never provided written authorization or consent permitting this information to be furnished or maintained on my consumer report.

The reporting of this information lacks a demonstrated permissible purpose as required under 15 USC 1681b. Lawful authority to report is a prerequisite to any claim of accuracy, verification, or investigation.

The reporting of this information fails to meet the requirement of maximum possible accuracy under the Fair Credit Reporting Act, including 15 USC 1681e ( b ).

Additionally, the information reported includes data that is excluded from consumer reports under 15 USC 1681a ( 2 ) ( B ), as it reflects personal experiences rather than permissible credit reporting information.

Consumer reporting agencies have a duty to ensure fairness, accuracy, relevancy, and proper utilization of consumer information. This agency failed to adopt or follow reasonable procedures to ensure the accuracy and lawful reporting of this information.

Accuracy can not be established where the underlying disclosure itself is not supported by lawful authorization.

This complaint does not constitute an admission of liability, ownership, or responsibility for the reported account. 

The absence of a demonstrated permissible purpose renders continued reporting improper regardless of any claim of accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On Tuesday XX/XX/XXXX, I was the victim of a bank impersonation scam. The caller ID displayed Chase so I answered the call. The man stated there was suspicious activity on my account and that a checking account was opened in XXXX XXXX, XXXX  by a person named XXXX XXXX who made XXXX large XXXX payments from that account in the amounts of {$2000.00} and {$3000.00}. He provided me with the transaction numbers. I reasonably believed I was speaking to Chases fraud department. Under false pretenses, I was instructed to send multiple XXXX payments in order to secure my account. The impersonating representative told me that if I coded the transaction by typing three zeros before the additional numbers he provided that it would code the transaction in a way that would not withdraw any funds from my account. He did this several times and a couple of the XXXX transactions were canceled by Chase Bank. After I got off the phone with this impersonating representative, I immediately called Chase Bank customer service to unfreeze my account and confirm that no money had been withdrawn from my checking account. The woman I spoke to said that it was a scam. After speaking with that representative for approximately 13 minutes, I immediately called the Chase Bank fraud department speaking to a different representative explaining the impersonation scam I just fell victim too. On Friday XX/XX/XXXX, I received and email from Chase saying a letter was just sent to me updating me my claim has been denied reimbursement despite clear evidence of spoofed impersonation. Chase denied my claim stating the transaction was authorized. While I did press send, I did so under deception by an individual impersonating Chase Bank using a spoofed Chase phone number. I reasonably believed I was securing my funds from fraud. This was not a voluntary payment, it was induced under false pretenses. I reported the claim in a timely fashion that same day within minutes of getting off the phone with the impersonation scammers. Today, XX/XX/XXXX I called Chase Bank claims department to discuss the reasoning behind my denial. The initial woman I spoke to told me the funds were unable to be retrieved, and that was the reason for the denial. As I questioned and discussed further with her at the call got disconnected and she never returned my phone call. I called back and got a completely different chase bank claims department representative. He gave me a completely different reason for the denial which was that there was another transaction made to the same number within 120 days so therefore there was no impersonation and it wasnt authorized transaction. I told that representative I would like to file a formal appeal or be transferred to a different person or department that could escalate my appeal further and he repeatedly told me there was nothing else Chase Bank could do to help in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, a charge for {$1200.00} posted to my Citi Drive Card account for an alternator and related services/service plan purchased from XXXX XXXX in XXXXXXXX XXXX 

Soon after purchase, my vehicle developed major electrical issues ( flickering dash, speedometer, and other components ). The XXXX XXXX XXXX location closed permanently shortly thereafter, preventing me from returning to that store for resolution. I continued troubleshooting through other service providers. I was later referred to XXXX XXXX in XXXX XXXXXXXX XXXX after it was determined the issue was alternator-related. XXXX XXXX ( XXXX XXXX ) was unable to resolve the issue. I then purchased a different alternator from another source to be installed, which fixed the problem. 

When I retrieved my vehicle from XXXX XXXX ( XXXX XXXX ), I did not receive back the alternator I originally purchased. On XX/XX/XXXX, I contacted the merchant in person and spoke with the store XXXX. The XXXX acknowledged that I was owed a refund but stated their store could not process it and that corporate would have to correct it. 

Because the merchant did not provide the product I paid for ( the alternator was not returned ) and did not provide the promised refund, I filed a dispute with Citi in XXXX XXXX for {$1200.00}. Citi issued a provisional credit ; the account reflected - {$1200.00} and I received and cashed a check for {$1200.00} representing the credit balance. 

In XX/XX/XXXX, Citi reversed the credit and the {$1200.00} balance reappeared as owed. Citi did not provide me a clear written denial reason or a description of the evidence used to make this decision. I requested details and supporting documentation ( including what information the merchant provided ), but Citi would not provide a meaningful explanation or documentation. 

I am requesting that Citi : ( 1 ) provide a written explanation for the reversal/denial and all documentation relied upon ( including any merchant submissions ), ( 2 ) reconsider/review the dispute based on the facts ( defective/not as described and the merchant retained the alternator and did not refund ), and ( 3 ) treat the amount as disputed and pause collection/negative credit reporting while the matter is reviewed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I mailed a detailed fraud dispute packet to Wells Fargo 's XXXX XXXX ( received XX/XX/XXXX ) regarding ~ {$14000.00} in fraudulent and coerced transfers from multiple scams in XXXX. The disputed amount includes : {$9800.00} sent to a fake Cash App account ( XXXX XXXX ) controlled by scammer XXXX XXXX XXXX {$1000.00} wired to XXXX XXXX XXXX XXXX ) on XXXX under pretenses {$3300.00} {$3600.00} coerced from my savings account to XXXX ( including {$2500.00} on XX/XX/XXXX, at the XXXX XXXX XXXX ) The packet included my XXXX Police Department report, incriminating text messages showing coercion/manipulation/false identity, and other evidence. 
On XX/XX/XXXX, I met with a banker at the XXXX XXXX XXXX XXXX branch and spoke to the fraud department. They denied provisional/emergency credit, stating the dispute is over 120 days old. However, Wells Fargo previously issued chargebacks for me in XXXX XXXX on related fraud also outside the XXXX window showing they have made exceptions in the past. 
My current credit card balance is {$6000.00} owed. I have paid over {$30000.00} in credit card payments since XX/XX/XXXX ( the day I met XXXX ), solely to prevent maxing my {$6000.00} limit and avoid further credit damage. My XXXX income ( ~ {$37000.00} ) was consumed by these coerced payments and {$1400.00} rent ( 65 % of my {$2300.00} monthly paycheck as an XXXX XXXX XXXXXXXX ). I am trapped in a debt cycle caused by this fraud. 
This is part of multiple scams : Romance/financial abuse by XXXX XXXX XXXX XXXX XXXX identity, coercion, welfare fraud reported to XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, {$2400.00} XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX housing stipend ) I have : XXXX XXXX police report XXXX XXXX XXXX assisting XXXX XXXX refusal to issue provisional XXXX XXXX despite precedent and strong evidence, is causing ongoing hardship. I request CFPB review and intervention to compel Wells Fargo to : Reconsider and issue a provisional credit for the {$14000.00} disputed amount Complete the investigation promptly Provide any other appropriate relief I am available to provide additional documentation. 
Thank you for your assistance. 
Attachments ( upload if possible ) : XXXX XXXX police report ( redact sensitive info if needed ) Credit card statements ( showing $ XXXX payments and current {$6000.00} balance ) Any Wells Fargo correspondence about the mailed packet or previous chargebacks Screenshots of text messages with XXXX FBI/IC3 confirmation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Zip Co US Inc.
State: GA

Complaint narrative:
I made ( 2 ) different purchases on XXXX on XX/XX/year> for the same item, XXXX XXXX XXXX which was a XXXX gift for someone and paid for them with the Zip Co debit card. Which is a split payment card. When I made the first purchase, I did not realize that I had a 40 % off coupon so then I purchased it again with the intent to return the first item. I made the return for the first purchase on XX/XX/year>. The return was successfully processed, but I noticed as of XXXX XXXX it did not reflect in my Zip Co app. I reached out to XXXX customer service to confirm the refund did process on their end and they confirmed that it did. Then I reached out to ZIP Code through their app initiating the refund on XXXX XXXX and again on XXXX XXXX. I then called customer service for Zip and the girl could not understand why I only got {$1.00} credit versus removing the entire {$70.00} balance and then they charge me totally {$97.00}. I also made a purchase paying with their card at XXXX XXXX XXXX XXXXXXXX. However, when I receive my order part of my order was missing so they credited XXXX XXXX and some change back to the account but I only had {$.00} refunded back to me and they made me pay the entire balance, the representative could not understand that either. She kept trying to figure it out and could not so advised that she would escalate the situation to inquire about the refunds. However, I received would look like the standard automated return policy. Emailed to me. Nothing was done and no monies have since been credited to the accounts.

Company response to consumer: Closed with explanation