vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: RI

Complaint narrative:
I am a Rhode Island consumer filing this complaint against First Source Advantage LLC, XXXX XXXX XXXX XXXX, XXXX, New York XXXX, phone ( XXXX ) XXXX, for violations of the Fair Debt Collection Practices Act in connection with their attempts to collect an alleged XXXX XXXX XXXX credit card debt, account ending in XXXX. FSA Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account ending in XXXX. I received three collection letters from First Source Advantage regarding account ending in XXXX, all bearing reference number XXXX, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. MATTER 1 Attempted to Collect Wrong Amount Across All Three Communications : My XXXX XXXX XXXX XXXX credit reports all consistently show the balance on account ending in XXXX as {$2400.00}. All three of First Source Advantage 's collection letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stated the balance as {$2400.00}, an overstatement of {$0.00}. First Source Advantage overstated the balance in every single letter they sent on this account, across their entire collection period spanning nearly three months, with no correction ever made. Under the FDCPA, any misstatement of the amount owed regardless of magnitude may constitute a violation of 15 U.S.C. 1692e ( 2 ) ( A ). I hold all three letters confirming the overstated balance and my three credit bureau reports confirming the correct balance of {$2400.00}. MATTER 2 Systemic Pattern Across Multiple Accounts : I note that First Source Advantage also sent collection letters on a separate XXXX XXXX account ending in XXXX, also overstating the balance on that account. The pattern of balance overstatement across two separate XXXX XXXX accounts simultaneously suggests this may not be an isolated clerical error. I have filed a separate CFPB complaint regarding the account ending in XXXX. MATTER XXXX Prior Payment Instrument Not Accounted For : Prior to the charge-off of account ending in XXXX, I transmitted an indorsed payment coupon to XXXX XXXX via USPS Certified Mail ( Tracking No. : XXXX, stamped delivered XX/XX/XXXX ) representing the full balance due on this account at the time of mailing. XXXX XXXX received this and acknowledged the payment reference in their letter dated XX/XX/XXXX. XXXX XXXX never provided any accounting for this instrument. First Source Advantage, collecting on XXXX XXXX XXXX behalf, made no accounting for this prior instrument in any of its three collection letters. I respectfully request the CFPB investigate these matters and contact First Source Advantage LLC. I am simultaneously filing a separate complaint against XXXX XXXX XXXX XXXX, which also collected on this account with the same balance overstatement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am filing a formal complaint against Wells Fargo regarding unauthorized account actions, lack of required notifications, and restricted access to my business funds. On or about XX/XX/year>, a transaction occurred in my business account totaling approximately {$410000.00}. Following this transaction, Wells Fargo took multiple actions on my account without notice, explanation, or authorization. Specifically : My account was frozen without prior notice. I was not informed that funds were being held or restricted. I was denied access to my account and online banking without explanation. Wells Fargo failed to provide any clear communication regarding the status or location of my funds. My other linked accounts were also made inaccessible without notification. Wells Fargo canceled or interfered with an automated rent deposit from my tenant, impacting my business operations. On XX/XX/year>, I met with a branch manager to regain access to my account. During this meeting, I was informed that the matter had been escalated to litigation, but no further details were provided. Upon regaining access, I discovered that Wells Fargo had removed approximately {$410000.00} from my account on or about XX/XX/year>. I was not notified before or after this action. I was also informed that funds may have been recredited and removed again, but no clear accounting or documentation has been provided. At no point did Wells Fargo provide : * Written notice of account restrictions * Explanation of why funds were removed or held * Timeline for resolution * Access to a fraud or resolution department capable of explaining the situation As a result of these actions, my business has been significantly disrupted, and I have been unable to meet financial obligations.

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 2026-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: ZARVAD III S.A.
State: KY

Complaint narrative:
A company identifying itself as XXXX XXXX XXXX contacted me regarding an alleged debt that I do not recognize and have not validated. They sent a settlement agreement requesting payment without providing proof of the debt. They also contacted a third party ( my relative ) and left a voicemail including my name, address, and references to a legal matter, which I believe violates the Fair Debt Collection Practices Act. They are also using pressure tactics, including threats of legal action without proper documentation. I am requesting validation of the debt and that all unlawful contact cease.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: PA

Complaint narrative:
Trueaccord keeps sending me emails about a debt that I don't have. I don't have an XXXX XXXX XXXX account but they are telling me I own them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I had a balance after I surrendered my vehicle to them. I reached a settlement with them over the phone. I was told by the person on the phone, that my next bill wasnt due until the end of XXXX. Around the middle of XXXX I got a text saying my bill was past due. When I finally got access to the settlement documents I saw they had put the XXXX as my due date. They had lied to me ( the conversation was recorded from what they had said ). When I went online to pay the bill, the only option without an additional fee on top of the bill was ach. When I tried to make an ach payment it said my account was not active and I had to use another payment method. I emailed them asking for an explanation on my bill date and to get that moved as I was told it was the end of the month, and a way to pay my bill without having to pay an extra fee. I received no response. So I called today, and was told I would have to make a new bank account or pay a fee. They refused to do anything to help, and waved off the wrong billing date saying it didnt matter anyways. I am incredibly frustrated that I have to pay more money just to pay a bill. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Summary of the Complaint : This complaint involves a XXXX account that was requested to be closed by me, but the company left it open and later sent it to collections. Despite being disputed, the account repeatedly resurfaced on my credit report, negatively impacting my credit score multiple times. Key points : Account was opened in 2022, requested closed, but remained open. Debt sold to Jefferson Capital Systems without prior notice. Validation documents do not accurately reflect the dispute history. Credit reporting by XXXX XXXX XXXX has caused recurring negative entries, harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I leased a Genesis car 3 months later it got vandalized, insurance declared total loss and send Hyundai XXXX XXXX $ the loan amount is showing XXXX $ and it showed credit balance XXXX $ besides that insurance overpaid Hyundai XXXX, and they refuse to send to me insurance overpayment they also want me to pay XXXX $ deductible. I called them many times by asking to wave the deductible since they already got about XXXX $ over payment and also asked them to send me the credit of XXXX $ since the loan has been paid fully and they have no right to keep the insurance overpayment .They keep not answering phone calls and threatening to send my record to collections if I dont pay them deductible.Thank you

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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I agreed in advance to purchase a vehicle from a dealership at a specific price and under cash terms. Based on that agreement, my husband drove approximately four hours to complete the purchase. Upon arrival, the dealership had not prepared any paperwork, and the previously agreed terms were not honored. Multiple representatives stated that the agreed price would only be honored if financing was used, and that paying cash would result in a higher price than what had already been agreed. The extended transaction caused significant disruption, including the need to leave work unexpectedly to manage childcare due to the delay. At that point, we were presented with two options : pay more than the agreed price or enter into financing. Due to the circumstances, including the travel distance and time already invested, we proceeded with financing despite not wanting or needing a loan. As a result, we entered into a loan through Global Lending Services with a balance of approximately {$32000.00}, despite our clear intent to pay cash and avoid financing entirely. This loan would not have been necessary if the dealership had honored the originally agreed terms. This loan was only entered into because the dealership refused to honor the agreed price without financing. We intended to pay the loan off immediately ; however, we encountered multiple issues during the payoff process : Payments were limited to daily {$5000.00} increments via ACH or phone The available payoff methods were inconsistent and created unnecessary confusion and additional time burden Although a small adjustment ( approximately {$150.00} ) was made at the time of purchase to offset short-term interest, the structure of the loan and the limitations on payoff methods created unnecessary inconvenience. In addition, the new vehicle was transferred with missing items that were represented as included ( headphones ). This issue was raised multiple times, including during follow-up conversations and when a dealership representative came to our home to obtain a signature. Despite multiple opportunities to resolve this, the items were never provided. We attempted to resolve these issues directly with the dealership multiple times without success. We also contacted XXXX customer care, who declined to assist and directed us back to the dealership. This situation involved a change in agreed terms at the point of sale and resulted in entering a loan under conditions that differed from the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I purchased a XXXX cat online for {$500.00} from XXXX, sent by XXXX. I received a bill of sale and a tracking number for the cat. I sent an additional {$500.00} for the specialized crate, supposedly refundable. I then got an email from the shipper, XXXX XXXX XXXX and a link to the tracking information XXXX. They wanted an additional {$2500.00}, also " refundable ''. I began to research the shipping company when I could not find the tracking number on other legitimate sites and refused to send the money when I saw comments online that this company is also a scam. I asked for their XXXX number and they did not respond. I have retained all emails and transactions. XXXX refused to refund my {$1000.00}. I also have all emails from the seller and the shipper. I contacted Wells Fargo to reverse the transfers and they would not.

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 2026-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Claim # XXXX I disputed charges related to a XXXX account after the agreement had already been terminated and the keys had been returned on XX/XX/year>. No services were used after that date. The total disputed amount was {$1600.00}. XXXX later refunded {$1000.00}, leaving a remaining disputed balance of {$590.00}. In my view, that remaining balance is not valid because no services were used or provided after termination. I submitted supporting documentation to Capital One, including evidence showing that the contract had ended, the keys had been returned, and no services were used after XX/XX/year>. Capital One initially issued a provisional credit, but later denied the dispute and reversed the credit. My concern is that Capital One did not conduct a reasonable investigation of the billing dispute and did not meaningfully address the documentation I provided. The merchants partial refund of {$1000.00} also supports that the charges were at least partially improper and disputed in good faith. As a result of Capital Ones denial, I am now being pursued for the remaining, including collection threats, even though the services were not used after termination. I am requesting that Capital One reopen and properly reinvestigate the dispute, restore the disputed amount, and ensure that no collection activity or negative credit reporting occurs in connection with this disputed balance unless and until the charge is fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding my auto loan with American Credit Acceptance. I obtained the vehicle in good faith, however within approximately one year the engine failed completely and the vehicle became inoperable. I was informed that the cost to repair or replace the engine would exceed {$10000.00}, which was not financially feasible. Due to the mechanical failure and inability to afford repairs, I voluntarily surrendered the vehicle. Despite this, I am now being reported with a charge-off balance of over {$15000.00}. I believe this situation is unfair and potentially predatory, as I was left responsible for a large debt on a vehicle that became unusable due to a major mechanical failure. I am requesting : - A full investigation into this account - A detailed breakdown of the remaining balance, including all fees and how the amount was calculated - Consideration for reduction or removal of the remaining balance due to the circumstances - Review of the reporting of this account to the credit bureaus I would like this matter resolved fairly and request that the company provide documentation supporting the debt and explain why I am being held responsible for the full balance given the condition of the vehicle. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a formal complaint regarding the reporting of the following account : Account Name : Resurgent / LVNV Funding Account Number : XXXX I do not recognize this account and dispute the validity, accuracy, and legal enforceability of the information being reported. As a debt buyer, you are required to provide competent evidence of your authority to collect, including proof of assignment and documentation establishing my legal obligation. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that this account be properly investigated and fully verified. If you are unable to provide sufficient documentation to substantiate this account, it must be deleted from my consumer report immediately. This account must also be reported as disputed in accordance with federal law during the investigation. I request written confirmation of the results of your investigation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
This complaint involves ongoing unauthorized transactions and identity theft affecting my accounts with XXXX, XXXX, and XXXX. This issue dates back to XXXX when a school-related check was released to me. Around that time, unknown individuals used my personal information to create accounts and access funds without my authorization. I was a victim of identity theft, which has continued to impact my financial accounts. Most recently, on or about XX/XX/XXXX, my vehicle was broken into and my wallet, identification, debit/credit cards, and XXXX were stolen. This incident is documented in an official police report. Because I did not have possession of my phone or financial instruments, I could not have authorized any transactions. On XXXX XXXX XXXX multiple unauthorized transactions totaling approximately {$180.00} occurred across my accounts, including charges from XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. I promptly reported these transactions and submitted disputes with XXXX, XXXX, and XXXX, along with my police report and identity theft documentation ( FTC Identity Theft Report ). I also contacted merchants, including XXXX, and was advised that these charges should be disputed as unauthorized. Despite this evidence, all three institutions denied my claims and stated that the transactions were authorized, without providing any clear explanation or proof showing how I could have conducted these transactions without access to my phone, identification, or payment methods. I attempted to appeal and provided additional documentation, but was told there was not enough new evidence to proceed. This situation involves documented identity theft and physical theft, and the determinations made by these institutions do not align with consumer protection laws regarding unauthorized transactions. I am requesting : A full refund of all unauthorized transactions A proper reinvestigation of my claims across all three institutions A detailed explanation of how these determinations were made despite submitted police and identity theft reports

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: TX

Complaint narrative:
I am submitting a complaint regarding my experience with CarMax Auto Finance and their policy on late fee reversals. I acknowledge that I have incurred late fees on my account due to past late payments. I take full responsibility for those delays. At this time, however, my account is fully current. My concern is with CarMax Auto Finances strict policy of allowing only one late fee reversal per loan term, regardless of customer history or circumstances. Over the past 23 years, I have financed four vehicles through CarMax Auto Finance, all purchased through CarMax. This demonstrates a long-standing and loyal customer relationship. Despite this history, I was informed that no additional consideration could be given beyond a single late fee credit. I am not requesting a full refund of all late fees, but rather a reasonable accommodationsuch as a partial reduction of accumulated fees ( approximately {$200.00} total ). A gesture of goodwill would go a long way in maintaining customer trust and satisfaction. Given my long-term relationship, the amount of interest paid over multiple loans, and my current account standing, I believe this rigid policy lacks flexibility and does not reflect good customer service practices. I am requesting that CarMax Auto Finance reconsider their position and provide a partial credit of late fees as a goodwill adjustment. Thank you for your time and consideration.

Company response to consumer: Closed with explanation