vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I was the victim of a sophisticated bank impersonation ( spoofing ) scam involving Frost Bank. I received a text message that appeared to be from Frost Bank stating that a purchase attempt had been made at XXXX XXXX  in XXXX, XXXX. I replied that the transaction was not authorized and was told that a Frost Bank representative would contact me. 

Shortly afterward, I received a call displaying Frost Banks name and logo on my phone. The caller identified himself as XXXX from Frost Bank and stated that the fraudulent purchase had been stopped, but that someone was attempting to access my funds through XXXX for {$600.00}. He instructed me that the only way to stop the transaction was for me to send a XXXX payment, which would then be immediately reversed. Believing this to be legitimate based on the caller ID, Frost logo, and prior text, I complied. 

When the call disconnected, I contacted Frost Bank directly and was informed this was fraud. I immediately filed a dispute and my account was closed as a precaution. 

However, Frost later denied my dispute and debited the {$600.00} credit back out of my account, stating that the transaction was authorized. I believe this decision is improper due to the following : 1. Frost failed to properly investigate the fraud. 
No one ever requested or reviewed my screenshots showing Frosts name and logo on the spoofed call and text. 
2. Frost employees provided contradictory security guidance.

A personal banker told me Frost would never : Contact customers from full phone numbers Ask for DOB or SSN Yet later, Frost representatives themselves : Called me from a regular XXXX XXXX phone number Asked for my date of birth and last four of my SSN This directly undermines Frosts claim that I should have known the scam was illegitimate. 
3. Frost refiled and reversed my claim multiple times without consistent explanation, causing confusion and emotional distress.

4. Frost refused to provide me a copy of my complaint, stating it would only be released if subpoenaed by an attorney, which is highly concerning and limits my ability to maintain accurate records.

5. Since becoming a Frost customer, I have experienced repeated debit card fraud requiring at least six replacements, raising serious concerns about Frosts overall security systems.

I am not disputing that I was deceived into sending the XXXX payment. However, Frost failed in its duty to : Provide consistent security practices Properly investigate the spoofing fraud Collect and review customer evidence Clearly explain how customers can differentiate legitimate Frost communications from scams This was not a simple mistake it was a sophisticated impersonation scam that Frosts own inconsistent practices made impossible for a consumer to detect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
In XX/XX/XXXX PHH incorrectly applied flood insurance to my escrow account causing a ~XXXX or ~75 % increase in my monthly payments. I have flood insurance provided by my condo association and this was incorrectly applied. 

Due to this obscene increase, this made paying my mortgage unaffordable. When I contacted and provided proof of the insurance, PHH did not retroactively correct the charges and informed me I would need to pay off the over charged balance before the correction could take place. 

From XX/XX/XXXX - XX/XX/XXXX I communicated with PHH that they were over charging me and that if they corrected the amounts I could pay the debt and bring my account current. PHH decided to proceed with foreclosure. 

By proceeding with foreclosure this increased the amount owed as the legal and inspection fees were then added to my past due and needed to be paid off, and cause further late fees to incur. 


On XX/XX/XXXX I paid PHHs collections attorney the full amount. On XX/XX/XXXX I recieved a call from PHH still asking me to to pay the $ XXXX dollars I had already wired. 

On this day I opened a claim with manager XXXX XXXX, about the over charged escrow payments and refunding me the over {$3300.00} in overcharges. XXXX said he would personally call me back to update after reveiw. This did not happen and I had to call back and speak with a new manager that informed me the claim was denied and closed. 

This manager then opened a new claim on XX/XX/XXXX for the same reason. I have repeatedly instructed PHH to wire the refund to my account as I have no money and other bills that have now fallen behind on and have had late charges applied because of this. 

PHH applied to over payent amount to my escrow with out my authorization as well. 


PHH has not refunded me the $ XXXX as of XX/XX/XXXX. I believe the late fees, foreclosing procedure fees, and legal fees are invalid as this were triggered by their incorrect application of flood insurance on my escrow, and by refusal to retroactively CORRECT my payment amount, making paying off the debt almost impossible.I believe I should also be reimbursed for any additional charges other than my correct monthly mortgage amount from XX/XX/XXXX - XX/XX/XXXX. 

I believe PHH did this intentionally as they applied the increase in XXXX when they were able to start foreclosure proceedings, and did this so payments became unreasonable and could foreclose on the property.

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: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am writing to formally dispute the alleged debt referenced above, which your agency claims I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide me with the following information to validate this debt. 

1. The amount of the debt : Please provide a complete and detailed account of the amount you claim I owe, including any interest fees, or other charges that have been added to the original debt.

2. The name of the original creditor : Please provide the full name and address of the original creditor to whom this debt is owed.

3. Verification of the debt : Please provide documentation that proves I am indeed responsible for this debt, including any signed agreements, contracts, or other proof of the obligation.

4. A detailed history of the account : Please provide a complete account history including the original balance, any payments made, any fees or interest added, and the dates of these transactions.

5. Copy of agreement : Kindly provide a copy of the signed contract agreement that demonstrates my obligation to pay this debt.

6. Documentation on your licensing : Please furnish me with your agencys licensing information, as required by state and federal laws.

Please note that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this letter. If you fail to do so, I expect that this debt will be removed from my credit report and that no further collection of attempts will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> at approximately XXXX PM, I attempted to deposit a check using a Wells Fargo ATM located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 

During the transaction, the ATM was unable to read the check amount and prompted me to manually enter the amount. While I was checking my email to confirm the exact total, the ATM session unexpectedly expired. The ATM retained my check, and the transaction completed incorrectly. Instead of crediting the deposit amount, Wells Fargo credited {$0.00} to my account as a placeholder while the deposit was supposedly under review. 

Immediately after the ATM took my check, I went into the Wells Fargo branch and spoke with a banker. I was told that the deposit would probably take 35 days to be reviewed and corrected. 

As of today, it has been 10 days since the deposit was made, and my funds are still not available. I also filed a formal claim with Wells Fargo and specifically requested that it be expedited. Despite this, there has been no resolution, and no consistent explanation. 

I have contacted Wells Fargo daily regarding this issue. Each banker or customer service agent has provided different and conflicting answers, and none have been able to resolve the problem or provide meaningful assistance. I have repeatedly explained that this delay is causing me significant financial hardship, yet Wells Fargo has failed to take appropriate or timely action. 

This situation was caused by a malfunction or design flaw in Wells Fargos ATM system, not by any error on my part. Wells Fargo took possession of my check and has effectively withheld my funds for an unreasonable amount of time without adequate communication, accountability, or customer support.

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
On XX/XX/scrub> XXXX XXXX I sent Midland Credit Management a written debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), via certified mail. Midland did not respond to this request and did not provide verification of the alleged debt.

After remaining silent for several months, Midland began reporting the account to the credit bureaus in XX/XX/scrub>XXXX XXXX  without ever responding to the outstanding validation request. I disputed the account with XXXX XXXX XXXX XXXX, yet Midland verified the account without conducting a reasonable investigation.

I filed a CFPB complaint, and Midlands response admitted reliance on seller verification rather than providing consumer debt validation. This response does not address the legal violations or cure the harm. 

A detailed timeline, evidence, and legal analysis are included in the attached PDF escalation complaint.

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 — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I am submitting a complaint regarding an auto-secured loan issued by LoanMart XXXX XXXX XXXX XXXX XXXX 
I borrowed approximately {$11000.00} in XX/XX/XXXXXXXX Despite making payments, I was recently provided a payoff statement dated XX/XX/XXXX, demanding {$16000.00}, including over {$4300.00} in accrued interest at an interest rate of 96.99 % APR and a per diem interest charge of {$31.00} per day. 
I dispute the accuracy and fairness of this payoff amount. The balance has increased significantly in a short period of time, making repayment impossible. I am concerned that interest and fees are being assessed in a manner that is excessive, unclear, and potentially misleading. 
I have requested a full accounting, loan agreement, and disclosure documentation, and I have notified the lender of financial hardship. I am requesting regulatory review of this loan for potential unfair, deceptive, or abusive acts or practices, and assistance in obtaining a reasonable resolution. 
I am not refusing to pay a legitimate balance ; I am seeking transparency, correction, and relief from a payoff amount that far exceeds the original loan and my ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
I am filing a complaint against Money Network XXXX XXXX XXXX for refusing to reimburse me for unauthorized transactions made on a debit card that I never received, never activated, and never used. 
Funds were deposited to my Money Network account, but before I ever received the card, multiple fraudulent transactions occurred. I reported the fraud immediately. Despite this, Money Network denied both my initial claim and my appeal, stating that I did not provide supporting information, even though I never had possession of the card and provided a police report with XXXX Police department, provided them the reference number from the Postal inspector/police and also attached my law enforcement Id to my appeal. It seems like Money Network did not follow up or attempt to make any effort in supporting me, they was quick to deny my claim. Money Network has not provided me with any supporting documentation regarding the denial of my claim. All information provided to me was communicated verbally by phone. The dispute form I received only listed the transactions but did not include the name of the individual the funds were transferred to or any evidence showing I authorized the transactions. Despite my repeated requests for documentation to support the denial of my claim, Money Network failed to provide any records or take further action. 

The unauthorized activity includes : XX/XX/XXXX ATM withdrawal of {$590.00} at XXXX XXXX XXXX, XXXX, NJ at XXXX XXXX {$4700.00} transfer to a bank account in the name of XXXX XXXX at XXXXXXXX XXXX XX/XX/XXXX ATM withdrawals totaling {$590.00} at XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, NJ Retail purchases at XXXX XXXX, XXXX, NJ : {$6.00} at XXXXXXXX XXXX  {$7.00} at XXXXXXXX XXXX {$4.00} at XXXXXXXX XXXX These transactions were made in multiple locations and at times when I did not have access to or possession of any Money Network card. 
I am a Sheriffs Officer and I did not authorize, participate in, or benefit from any of these transactions. I recently XXXX XXXX and these funds were needed to pay my bills and provide basic necessities for my newborn. Being denied access to these funds due to fraud has placed my family in financial distress. 
Money Network has not provided proof of card delivery, card activation, or any evidence showing that I authorized these transactions, yet continues to deny my claim.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am invoking my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block information resulting from identity theft and unauthorized use of my personal information. 
I did not authorize, apply for, or consent to the following accounts or credit inquiries, all of which must be blocked. 
UNAUTHORIZED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
8 year old debt with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX bought the debt and attempting to collect. Case was originally dismissed in XXXX

Company response to consumer: Closed with explanation
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: SERVICEMAC, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX our realtor sent a portfolio of initial documents to XXXX. 

Over the course of the next few weeks, the buyers and sellers consistently sent in any and all information requested. 

Throughout the process the seller and the realtor made consistent calls and emails checking on the status of everything. In mid XXXX, both the Realtor and the Buyer were told that we were good to close on XX/XX/XXXX. We then received an email on XX/XX/XXXX stating that the underwriting department needed more documents. At this point us the sellers already took out a loan to pay the difference, as we were informed we were good to close. 

The buyers then sent all required documentation in on XX/XX/XXXX. The mortgage company finally provided updated just prior to XXXX stating dont expect anything before the new years. It had been months at this point. 

We ( the sellers ) then receive a request on XX/XX/XXXX asking for a va form. After calling the VA, the VA informed us that we did not need that form for an assumption and that if the mortgage company did want it for some reason then they should reach directly out to the VA. 

We are now over half a year into this process. We are active duty military and had to move. We have consistent tried to get information and updates from the mortgage company to little to no avail.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AAS Debt Recovery, Inc.
State: OH

Complaint narrative:
AAS DEBT REC is falsely reporting on my credit. I have never had any accounts with them. Per my research AAS DEBT REC 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 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
I received medical treatment from XXXX XXXX XXXX XXXX XXXX XXXX 's dermatology department. The provider and the staff did not inform me prior to the treatment that my insurance would not cover it, and neither the doctor nor staff reviewed informed consent with me beforehand. Additionally, the treatment was ineffective and did not improve my situation in the slightest ; it only lead to a period of discomfort with no improvements. After reviewing this with the doctor, she said there was nothing she could do. As a result, I did not pay the resulting {$800.00} bill. 

The debt was subsequently transferred to Professional Credit Service, a debt collection agency. Following their instructions, in XX/XX/XXXX, I sent a written letter to the agency disputing the debt and requesting validation within 30 days, specifically including documentation such as the informed consent form and evidence of insurance preauthorization checks. I noted in the letter that such documents do not exist. 

The agency failed to provide the requested documentation within the 30-day period or at any time thereafter. In XX/XX/XXXX ( XXXX whole months after the initial letter was sent ), I contacted Professional Credit Service by phone to follow up. The representative was rude during the call and stated that they were still in the process of requesting the documents from the original creditor. I reiterated that the documents do not exist, but the representative did not resolve the issue or provide any further validation. Furthermore, the female representative on the phone spoke in an extremely unprofessional tone ; for a company named " Professional Credit Service, '' she was anything but professional. 

This appears to violate the Fair Debt Collection Practices Act, as the agency has not ceased collection efforts, cleared my account of the debt, or provided proper debt validation despite my timely written dispute. I am seeking assistance to resolve this matter, including removal of the debt from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing the following charged-off accounts as they contain inaccuracies and/or incomplete information. Please investigate and correct or remove these accounts if verification can not be provided : ACCOUNT NAME, ACCOUNT NUMBER, DATE OPENED, BALANCE Inquiries : I did not authorize some of the following inquiries or believe they are being inaccurately reported. Please verify and remove any that can not be validated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Late Payments : I am disputing the reporting of late payments on the following accounts, as they are inaccurate or misreported. Please review and correct accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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