vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Credit Collection Service, Subject : Formal Debt Validation Request and Dispute of Alleged Balance {$620.00} Dear Credit Collection Service, I am writing to formally dispute the alleged debt of {$620.00} that your company claims I owe. This correspondence serves as a request for full validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c and 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). Please provide complete documentation verifying the validity of this account, including : The name and contact information of the original creditor. A full accounting and itemized statement showing how the balance of {$620.00} was calculated. A copy of any signed agreement or contract demonstrating my obligation to pay. Documentation showing that Credit Collection Service has legal authority to collect this debt. The date and amount of the last payment, if any. Until you provide the requested validation, I request that you cease all collection efforts and suspend reporting this account to any credit bureau. Under 15 U.S.C. 1692c ( c ), I am requesting all future communications be conducted in writing only. Furthermore, under 15 U.S.C. 1681e ( b ), please note that I am disputing this debt as inaccurate and unverified. If you have already reported this account to any credit reporting agencies, you must immediately mark it as in dispute until validation is provided. If you can not substantiate this debt with appropriate documentation, I request that you immediately delete any related trade lines or negative information from all credit bureaus ( XXXX XXXX and XXXX ) and provide written confirmation of such action. This letter is not an acknowledgment of any debt or liability. I expect a written response within 30 days of receipt as required by federal law. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NV

Complaint narrative:
I am disputing the enforceability and credit reporting of a private student loan currently serviced by American Education Services ( AES ). This loan was originated as a jobdependent financing arrangement. However, the governing agreement does not clearly define the conditions under which repayment is required if qualifying employment is not obtained. Prior to execution, I sought clarification on this issue and was informed that continued job search would result in deferment and eventual dismissal. Despite this, no written framework governing these conditions has been produced. On XXXX XXXX, 2026, I formally requested that AES provide : the promissory note and any governing agreements, any documents defining jobdependent repayment obligations, jobsearch requirements, discharge or dismissal criteria, servicing and deferment records. AES has acknowledged receipt of my request but has failed to produce any documentation establishing these terms. Instead, AES has continued to : enforce the loan, report or threaten to report delinquency to consumer reporting agencies, deny the existence of deferment without substantiating documentation, and redirect me to internal dispute forms rather than provide the requested governing documents. AES has not produced any governing document establishing jobdependent repayment terms, jobsearch requirements, or dismissal criteria despite my prior request. AES is continuing to enforce and report this account while failing to substantiate the underlying obligation. I have also filed disputes with the credit reporting agencies. Some agencies have failed to fully correct or investigate the disputed information and have relied on AES despite the lack of substantiated documentation. At this time : AES has not produced any governing framework supporting enforcement of this loan, AES continues collection and credit reporting activity despite this lack of substantiation, and the accuracy of the reported delinquency is disputed. Requested Resolution : AES must produce all governing documents establishing the legal basis for repayment, or cease enforcement of the loan. AES must correct or delete any inaccurate credit reporting associated with this account. AES must cease collection activity until the obligation is properly substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank can not confirm who I am because their database says my phone number is inactive. However they verified it is an active account over the phone but their database says inactive. So I can not speak to a customer service person because their database says the phone is inactive. They said we can not fix the corrupted data in their system so I really can not use the card if there is an issue. Citibank apparently uses an outside source to validate telephone numbers to verify who you are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: MO

Complaint narrative:
I am receiving letters thru my email which contradicts the terms of my refinance. I made a payment for XXXX on XX/XX/XXXX confirmation number XXXX. I called the company on XX/XX/XXXX since the portal was showing variances. The rep explained to me that the portal was not updated and the reason for not getting the original letters was due to a system error. She also informed me about programs that I was not made aware of that would have helped my situation without refinancing. Starting on XX/XX/XXXX up to today XX/XX/XXXX, I have been receiving automated calls to call the company. I called on XX/XX/XXXX at XXXXXXXX XXXXXXXX. The rep did not know what I was talking about and made the statement that I need to make a payment for XXXX. I told her that I did, gave her the date and confirmation. She stated I could not make a payment in XXXX for XXXX. That conflicted with what I was told on XX/XX/XXXX. She proceeded to argue stating they can call me whenever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the alleged debt you are reporting and/or attempting to collect under my name. Due to a prior legally binding COURT agreement ( ( ATTACHED AGAIN ), the guarantors were not responsible for any balance related to the referenced rental account. As such, no valid debt was owed by the guarantors at the time this account was assigned, transferred, or sold. Because no lawful obligation existed, there was no legal right to assign, transfer, or sell any such debt to your organization or any third party. The reporting and continued collection of this account is improper and has caused significant damage to my rental history and credit profile. This negative reporting is inaccurate, misleading, and does not reflect a legally enforceable obligation. Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : Immediate validation of the alleged debt, including documentation demonstrating your legal right to collect. A copy of the original agreement showing guarantor liability despite the prior legal agreement. Documentation of the chain of assignment proving lawful transfer of this account. Immediate deletion of all negative credit reporting associated with this account if you can not provide full legal validation. If you are unable to produce competent evidence of a valid and enforceable obligation, you must cease collection efforts and notify all credit reporting agencies to which you have furnished information to permanently delete this account. Failure to correct this matter may leave me no choice but to pursue complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and to explore all available legal remedies. Please consider this a formal dispute and request for validation. I expect a written response within 30 days of receipt of this correspondence. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
This company Debt Recovery Solutions did not contact be in any way or medium and went straight and reported negative information on my credit profile which is against the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Dear Sir/Madam. I am writing to ask you to remove this negative information from Debt Recovery Solutions on my credit account profile.. I do not owe this money {$1200.00}. to Debt Recovery or any company. This company never contacted me through any medium as required by the Fair Credit Reporting Act. Since they never contacted me about this bill, I was not given the required 30 days to dispute the information before they reported it to the credit bureau. They have totally and brazenly circumvented the rules and regulation of the Fair credit reporting act. You should immediately delete this derogatory information from my credit profile. This alleged medical bill came from Wakefield & Associates which you investigated and removed from my credit. They just recycled the same information. I will report Debt Recovery Solution to the Consumer Financial Protection Bureau because this unscrupulous company should not be allowed to damage peoples credit for no reason. This is a clear violation of FCRA regulation as this is not 100 % accurate and complete. DELETE THIS IMMEDIATELY. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC
State: FL

Complaint narrative:
I received a text from Shepherd Outsourcing who bought my credit card debt from Destiny mastercard, handled by XXXX XXXX XXXX. The problem I have is the company texted my husband, who in no way had anything to do with the card or debt. My name was the only name on the card and it was mine only. I have no idea how they obtained his number. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: WA

Complaint narrative:
On XX/XX/year> I mailed a written Debt Validation request to Columbia Debt Recovery ( USPS Certified Mail ). The envelope was delivered. I also emailed Columbia the same day and sent follow-up/reminder emails requesting validation. Columbia has not produced a signed lease, itemized charges, move-out inspection report, or chain of assignment showing they have the right to collect or report this debt. XXXX still lists the account and I submitted a dispute with XXXX on XX/XX/year> ( screenshot attached ). Despite my validation request and follow-up emails, Columbia has not validated the debt and continues to have the account on my credit file. I have attached : the signed DV letter, USPS certified mail proof/e-receipt, copies of emails I sent, and the XXXX screenshot showing the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: IN

Complaint narrative:
Last year i switched insurance companies to save money. I switched to XXXX. My new insurance was supposed to be {$2300.00}. My mortgage company paid them {$12000.00}. I got a refund check for {$7000.00}. I called and was told it was just an ovverage and mine. I went to do taxes this year and saw my escow was - {$6000.00}. I called my insurance wand was told planet Home made a mistake and over paid them. I never received any correspondance about their mistake. Now i see my mortgage company is planning on paying {$7000.00} in XXXX to my insurance but my insurance is only {$2300.00}. I have emailed them twice and called numerous times. Ive asked for escrow analysis. They havent given it to me. The math doesnt add up. None of this makes any sense. I desperately need help because they wont respond and my escorw continues to be mis managed. Ive never even been late on a payment in 20 yrs. Im freaking out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am submitting this urgent complaint regarding Credit Acceptance Corporation and XXXX, in addition to the courts handling of garnishment in Case No. XXXX. Immediate attention is necessary, as my rights as a consumer have been repeatedly violated, causing severe financial and personal hardship. 1. Credit Reporting Violations Credit Acceptance reported inconsistent loan balances ( {$8900.00} and {$8700.00} ) as accurate, despite my repeated disputes. XXXX eventually removed the account after confirming it was inaccurate and unverifiable. XXXX continues to report this account inaccurately, harming my credit and violating the Fair Credit Reporting Act ( FCRA ). 2. Debt Dispute / Settlement Agreement I verbally agreed to settle {$1800.00} in XX/XX/XXXX, with the understanding that the continuation hearing would be on XX/XX/XXXX, allowing me to pay that amount. I do not acknowledge the remaining balance of {$8700.00} as valid. The remainder is disputed due to procedural errors, miscommunication, and inconsistent reporting by Credit Acceptance. 3. Court Proceedings / Hearing Mismanagement During the XX/XX/XXXX hearing, all parties agreed to continue the case to XX/XX/XXXX. I never received notice of any alleged XX/XX/XXXX hearing, and multiple requests for proof of the XXXX date were ignored. This mismanagement contributed directly to a default judgment being entered without proper notice or opportunity to respond. 4. Improper Garnishment Without Notice Money ( {$240.00} ) was garnished from my paycheck for the period XXXX before I received the Writ of Garnishment, which arrived on XX/XX/XXXX. Neither I nor my employer received proper notice prior to the garnishment, depriving me of the ability to object or protect my familys financial well-being. 5. Severe Financial and Personal Hardship The garnishment has created immediate financial strain. I am supporting my autistic son and daughter, attending school full-time, and paying my own tuition. These actions threaten my familys basic living needs and disrupt my ability to responsibly resolve the disputed debt. 6. Unethical and Misleading Practices Credit Acceptance and their legal counsel have engaged in coercive and misleading conduct, including inconsistent reporting, failure to provide proper notice, and ignoring court procedures. These actions demonstrate disregard for consumer rights, legal obligations, and ethical standards.

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 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I am the Administrator of an insolvent estate ( Acct XXXX ). I have provided proof of death, insolvency, and a total-loss repair estimate of $ XXXX for a car worth $ XXXX. Kia Finance is ignoring my attempts to settle and is failing to provide a path for resolution. I have offered a cash settlement that exceeds their recovery value at auction, but I can not get a response from a decision-maker.

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 2026-03-02 00:00:00
Product: Mortgage — Conventional home 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
They did this to me 2 years ago and took 6 months for them to say no we cant help.Had to sell my truck because they would not help. Now Im asking for help going on 5 months.Every time I send everything they want, they call and say I have to start over and this last time when they were going to answer yes or no, they said you made a payment and need to start over.I barrowed the money so I didnt go over my 3 rd month.Do you see what they are doing is pure Evil, they keep pushing me back so they can take my home. Somebody please help me with these evil people. 10 months of stress they have caused. I wish I could Sue them. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this formal complaint to request the restoration of {$910.00} in travel reward value that was stripped from my account during a forced product migration. I have been an American Express Card Member for 20 years. On XX/XX/year>, American Express forcibly migrated my XXXX XXXX XXXX to a Cash Magnet Card. Prior to this transition, the terms of my XXXX XXXX XXXX allowed me to redeem points for travel purchases at a rate of XXXX points for {$100.00}. To utilize my earned value before the transition, I made eligible travel purchases with XXXX XXXX totaling {$3700.00} on XX/XX/year>, while the XXXX XXXX XXXX was still the active product. My intention was to apply my balance of XXXX XXXX XXXX points toward these purchases at the agreed-upon travel redemption value of {$3600.00}. However, American Express 's internal system locked me out of requesting redemptions prior to the XX/XX/XXXX deadline due to their own internal processing delays. Because I was systemically blocked from applying my points to these valid, on-time transactions, my XXXX points were forcibly converted the next day at the devalued XXXX XXXX rate of XXXX points for {$1.00}, yielding only {$2700.00}. The Financial Discrepancy : Earned Travel Redemption Value ( XXXX XXXX ) : {$3600.00} Forced New Conversion Value ( XXXX XXXX ) : {$2700.00} Total Financial Loss Incurred : {$910.00} When I escalated this to a supervisor on XX/XX/year>, they acknowledged the points conversion issue but claimed I failed to request a redemption before the migration, citing that my XX/XX/XXXX transaction did not fully " post '' to their ledger until after the deadline. This is a circular, bad-faith argument : American Express 's system barred me from making a redemption request on the day of purchase, and management is now penalizing me for that exact system limitation. Furthermore, the supervisor refused to provide contact information for the Executive Office to escalate the grievance. The facts that matter are : I made this purchase using their previous product, under the previous product terms we agreed on, before any migration that I did not request, and before any deadline. Yet they profited by using their new card 's more favorable ( to them ) redemption rate. They claim they are unable to revisit and correct this inequity after the fact. American Express has the right to change its products, but it does not have the right to systemically lock a customer out of their account prior to a stated deadline, thereby artificially forcing a {$910.00} devaluation of earned rewards. I am requesting a manual statement credit of {$910.00} to honor the redemption value I earned and attempted to utilize.

Company response to consumer: Closed with explanation