vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
XX/XX/year> I had 2 credits to my checking account Both Mr Cooper Mortgage payments. I also had other fraud transactions. I called XXXX when notified of the fraud. I stated I did not dispute my house payments ever. They need returned to the mortgage Mr Cooper. The other 2 transactions need to be disputed as I did not authorize any of the transactions.

I immediately called Mr Cooper XX/XX/XXXX. I was told there was no funds returned. I clearly stated 3 times do not return any payments to stop any actions they may come through. Mark my account as fraud. I submitted the letter, on their website, from XXXX saying I had fraud. I was assured no payments would be returned.

The payments were returned anyways after the phone call.

The funds have since continued to be frauded from my checking account I called the mortgage company to try to work out a plan to repay the frauded funds.

The mortgage company is taking no responsibility. I am being reported late every month, charged large amount of fees and fines for 6 months till I can get this
resolved with my XXXX  income. 
I have filed fraud with all companies involved. In event I get the funds back I will submit them to Mr Cooper. If I do not recover the frauded funds, that should not have been returned at my request, this is the best I can offer. 
I called Mr Cooper before any funds were returned according to customer support I do not understand why they did return them to only get stolen from my checking? Why did they not call me, the consumer, before returning and funds I owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I XXXX XXXX have called Ally auto finance to please update there system I was behind only two payments XX/XX/XXXX I made a payment of {$600.00} XX/XX/XXXX another {$600.00} than yesterday another payment of {$580.00} this it has not updated the system keeps showing I owe {$1700.00} I have send messages on the secure message account I have called they said that I'm still two months behind when I'm not they keep saying that I need to do a catch up plan when it only increases monthly payments which I cant give more than what i agreed on my monthly payments. I have send messages to Consumer Financial Protection Bureau before no one has contact me or email back on the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
Was unable to use the XXXX  prepaid gift card. Called Incomm on XX/XX/XXXX, provided the nesscary info and was told I would recieve a check in the mail in about three weeks. I was not informed that additonal photograpic info was needed of the card and packaging. I only learned about this info when I called in XX/XX/XXXX to follow up about the delay. The failure to provide me with this crucial information ( either via the phone call on XX/XX/XXXX or via the email provided when opening the incident ticket ) would be deceptive in hopes the customer forgets to follow up to avoid reduning the consumer. 

I've since sent Incomm what I believe to be the info needed, but as its been two months since what I thought was an issue already resolved, I'm unsure if I've sent the correct card information as the agent on XX/XX/XXXX was not able to confirm the last four numbers on the card. The lack of transperancy and inability to assist giving me information that may help resolve my case after Incomm has delayed my reibursment by failing to inform me of critical documentation needed when submitting my claim is deceptive and unethical at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
XXXXI RECEIVED AN EMAIL AND LETTER A WEEK AFTER THE XXXX XXXX XXXX STATED i WAS APPROVED AT 20% APR AND NEEDED MY PAYSTUBS AND ME TO CALL ALLY AT XXXX.  i CALLED THE NUMBER ON THE WEBSITE XXXX XXXX XXXX AND THEY CALLED ME BACK ON ANOTHER LINE XXXX TO VERIFY MY SOCIAL AND ADDRESS AND DATE OF BIRTH THEN GAVE ME A 6 DIGIT CODE, IT WAS VERY STRANGE. THEN THEY TOLD ME TO WAIT AN HOUR AND CALL XXXX TO GET THE LOAN APPROVAL AGAIN- THAN NUMBER DOESNT TAKE CALLS FRM MY PHONE AND IS A BUSY SIGNAL WHEN CALLED FROM ANOTHER NUMBER THAN MY CELL PHONE.  XXXXI SUSPECT THE CUSTOMER SERVICE LINES WITHIN ALLY ARE TRANSFERRING PEOPLE APPLYING FOR LOANS OR NOT GETTING APPROVED TO SCAM LINES AND THEN CREATING SCAM ACCOUNTS UNDER THE ALLY COMPANY PREFACE.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Around XX/XX/year>, a charge was made to my best buy credit card that is through Citibank. The charge was for a XXXX XXXX subscription that I did not know about. We were contacted soon after by the credit card company telling us that we were late. My husband who was battling XXXX XXXXXXXX was confused by the charge because he had an attempted XXXX XXXX scam years earlier. I was confused because I didn't receive any statements that showed I owed money. I had to get my son involved because I was worried these calls were a scam because I never received a statement and knew I didn't owe money to Best Buy. He called the credit card company with us and we found out that some how we got moved to no longer receiving statements in the mail. I did not authorize that to happen. Once my son told us that we did owe that money, we paid it immediately, and asked the credit card company to send me statements in the mail. The person on the phone was nice and understood that it wasn't my fault. Either the company changed us to not getting statements, or my husband accidentally did. He quickly after declined in his XXXX, contracted XXXX, and XXXX XXXX. I can't rely on him for information. My son remembers the credit card company waiving our late fee and saying that they would change it so it no longer showed late. Today, I found out that the bank did report to credit bureau as being 30 days late. I can't get someone from management on the phone. I would like to request that the 30 day late reported to the credit bureau respectfully be removed because had I continued to get my statements in the mail, I would have checked the charge and paid it. I always pay my bills on time. This was not my fault and again I paid it. The charge was around {$50.00}, and I don't think that I should be punished because the credit card company stopped sending me statements in the mail. I am not good with understanding how these things work, I only know I pay my bills on time. It would greatly help me to get this removed from my credit report.

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 2026-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
A complaint was filed on XX/XX/XXXX. I spoke with XXXX at XXXX XXXX  and requested that all correspondence and letters be forwarded to our attorney. This request was ignored. I spoke with her, and she told me that she would contact AMEX and send a release of funds. I called her 3 or 4 times and left messages, but she never responded. 

Based on the letter, the owner of the AMEX account followed the instructions and sent the letter to AMEX corporate. The letter was sent, we have not received a response from AMEX or XXXX. All we want is our money transferred to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX, I made a purchase of household products at XXXX XXXX. To pay for the purchase, the vendor applied for a line of credit with XXXX for an amount of approximately {$3800.00}. The vendor informed me that the debt would be interest-free for 24 months, during which I could make minimum payments, and that after 24 months, interest would begin to accrue on the remaining balance, as is commonly offered by banks. However, in XX/XX/XXXX, after the 24 months had passed, the bank sent me a statement charging interest accumulated over the 24 months, which increased the debt to approximately {$6500.00}. In other words, they added {$3100.00} in interest. I consider this to be fraudulent, as it was not the offer they presented to me at the beginning of the transaction.

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 2026-01-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am reporting unauthorized recurring charges from the merchant XXXX on my bank of America credit card ending in XXXX I do not control the XXXX account being charged. any prior authorization was Revoked, yet charges continue to post through a stored merchant payment Token, even after the physical card was replaced i notified bank of america and requested and requested that the unauthorized charges be disputed and that future XXXX  charges be BLOCKED however i was told the charge would still post/deposit and the merchant was not immediately blocked this is an unauthorized recurring transaction under Regulation Z. i am requesting * Refund of all unauthorized XXXX  charges * Permanent merchant-Level Block preventing XXXX  from charging my account again * Confirmation that any associated payment tokens have been revoked i do not have access to the merchant account and can not remove the payment method myself. 
i am requesting CFPB assistance to ensure bank of America complies with its obligations to stop unauthorized recurring charges. 

claim number - XXXX AND THE DISPUTES I HAVE SUBMITTED

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 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
Ive submitted a request through XXXX XXXX stating this debt is not mine. XXXX XXXX XXXX told me prior to agreeing to services being completed everything would be covered by my insurance policy and I would not owe any money out of pocket. I made sure to double check and verify that everything would be paid for before agreeing to anything being completed. Fast forward they send me a bill saying I owe them {$560.00} for their services in which they in fact told me would be {$0.00} and even wrote in writing that insurance would cover everything. I will not pay them for any of this after they in fact gave me false information and now want to try to get money from me after performing services. I say this is some shady and deceptive business practices especially when they send you to a debt collector to get money after lying to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
This complaint concerns inaccurate credit reporting resulting from Citibanks acquisition and automatic conversion of Dillards private-label credit card accounts, effective XXXX XXXX XXXX 

I did not apply for a Citibank credit card. My existing Dillards account was automatically converted or purchased by Citibank from the prior issuer, and a new Mastercard account number was created. Consumers were expected to receive new cards, disclosures, and billing information by mail. 

In my case, all Citibank correspondence was misaddressed, omitting my legal suffix ( XXXX ), and was delivered with mail intended for my son, XXXX XXXX XXXX XXXX. After discovering this, I asked my son whether he had ever received or recognized a Dillards or Citibank credit card in his name, and he confirmed that he had not. If any replacement card or disclosure was delivered with that misaddressed mail, it was not identified as belonging to me and was never knowingly received or used by either of us. I have been careful to ensure that all credit accounts include my XXXX suffix specifically to avoid confusion now that my son is an adult. As a result of the misaddressing, I never received the replacement card, account number, or billing notices and had no reasonable way to know that a new Citibank account existed. 

For more than ten years, I have maintained an excellent credit history and use automatic minimum payments on all credit cards, including my prior Dillards account. Because I was unaware that a new Citibank account existed, no autopayment could be established.

While shopping at a Dillards store, a sales associate accessed my account using my Social Security number and processed a purchase without disclosing that the charge was being placed on a new Citibank-issued account with a different account number and issuer. I reasonably believed I was using my existing Dillards account.

Due solely to the lack of notice and misdelivery of required disclosures during the transition, a minimum payment was missed on the new account. Citibank then reported a late payment to the credit bureaus. This late payment does not reflect consumer nonpayment or negligence ; it resulted entirely from issuer transition failures and inaccurate consumer identification. 

When I contacted Citibank, I was informed that this was not fraud, which reflects a misunderstanding of my complaint. I am not alleging third-party identity theft. I am disputing the accuracy of credit reporting caused by an issuer-initiated account conversion without proper notice, delivery, or consumer identification. 

As a direct result of this inaccurate reporting, my credit score dropped from over XXXX to below XXXX.

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 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I send the money using the Wells Fargo send apo. I send three transaction. XXXX XXXX dollars and XXXX XXXX dollars to my nephew in the XXXX named XXXX XXXX. But he only received one transactions, the XXXX dollars. But the second transaction amounting to XXXX and the XXXX dollars. He did not receive this. It a hard earned money.

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 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am filing a follow-up complaint against Transworld Systems Inc. regarding their continued collection attempts on an alleged debt they can not properly validate. 
Background : I previously filed a complaint with the CFPB concerning this same debt. Despite that complaint, Transworld Systems has failed to provide adequate documentation proving : That this debt legitimately belongs to me That they have the legal right to collect on this debt Any verifiable connection to the original creditor Verification Attempts : I contacted the original creditor directly, and they have NO RECORD of this debt in their system. This directly contradicts Transworld Systems ' claims that I owe this money. 
Documentation Deficiency : Transworld Systems has provided nothing more than a letter printed on their own letterhead stating an amount owed. They have NOT provided : An original signed contract or agreement Itemized account statements from the original creditor Chain of custody documentation showing proper assignment of the debt Any correspondence from the original creditor regarding this debt Proof that the statute of limitations has not expired Verification that the debt amount is accurate Legal Violations : Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to request validation of this debt. A letter on company letterhead with a dollar amount does NOT constitute proper validation.

Their actions appear to violate : FDCPA 1692g - Failure to provide proper debt validation FDCPA 1692e - False or misleading representations about the character, amount, or legal status of the debt FDCPA 1692f - Unfair practices in attempting to collect a debt that can not be verified Resolution Requested : Immediate cessation of all collection activities on this unvalidated debt Removal of any reporting of this debt from my credit reports Written confirmation that this account has been closed and will not be pursued further or sold to another collection agency Confirmation that Transworld Systems will not report this debt to credit bureaus now or in the future The burden of proof lies with Transworld Systems to demonstrate this debt is valid and legally collectible. They have failed to meet this burden despite multiple opportunities. I request the CFPB investigate this matter and ensure this company ceases collection on a debt they can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm acknowledged my dispute and requested evidence by XX/XX/year>. I submitted evidence showing the XXXX order was canceled and that I was not charged. Despite this, Affirm denied the dispute claiming I did not respond. This is incorrect and reflects a failure to properly review submitted documentation. Affirm is attempting to enforce a loan for a canceled, non-finalized transaction with no delivery of goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
SOMEONE USE MY NAME FOR FRAUD TO OPEN UP SAID LOANS THAT NOW THE COMPANY/COMPANIES ARE TRYING TO COLLECT FROM ME AND DAMAGING MY CREDIT HISTORY.

Company response to consumer: Closed with explanation