vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am filing a complaint regarding LVNV Funding LLC and its servicer, Resurgent Capital Services, in connection with a credit card account they are reporting and attempting to collect. On multiple occasions, I formally requested validation of this alleged debt. Specifically, I sent written requests via certified mail on or about XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. In these requests, I asked for competent documentation to substantiate the debt, including proof of ownership, a complete chain of assignment from the original creditor, a copy of the original agreement bearing my signature, a full itemized accounting of the balance, and documentation of the date of first delinquency. Despite these requests, the company failed to provide sufficient documentation to validate the debt. Instead, I received generic or incomplete responses that did not meet the requirements of proper validation. Additionally, XXXX informed me that this account had been investigated and verified by the data furnisher. This is concerning because the account was verified without the company ever providing me with the requested validation documentation. As a result, the company is representing this debt as accurate and valid to a credit reporting agency while failing to provide adequate substantiation upon direct request. This raises concerns regarding the accuracy of the information being reported and the methods used to verify the account. I am requesting that the company either provide proper and complete validation of the debt or cease reporting and collection activity related to this account. I have retained copies of all correspondence received from LVNV Funding LLC and Resurgent Capital Services. The responses provided consisted of generic and incomplete information that did not substantively address the validation requests outlined in my letters. Due to file size limitations in this submission portal, I have not attached all response documents ; however, I am prepared to provide them promptly upon request. These records further demonstrate that the company did not provide the documentation necessary to properly validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: FL

Complaint narrative:
On or around XX/XX/year>, I made a direct electronic payment to XXXX XXXX XXXX XXXX XXXX, as reflected in my bank statement showing an XXXX DIRECT DEBIT transaction in the amount of the utility bill. Despite this, L J Ross Associates , Inc. is reporting the account as a collection account paid, closed on my consumer credit reports. I did not make any payment to L J Ross Associates , Inc. at any time. My payment was made directly to the original creditor, XXXX XXXX XXXX XXXX XXXX. I previously attempted to resolve this issue through the credit reporting dispute process. The account was disputed with XXXX, and supporting documentation showing direct payment to the original creditor was submitted. However, the reinvestigation did not address or reconcile this evidence. Instead, I was informed that the information was verified by the furnisher, without any explanation of the method of verification, without any supporting documentation, and without addressing the discrepancy between the documented direct payment and the continued reporting of a collection account. I also requested information regarding how the account was verified and what documentation supported its reporting, but no such information was provided. The issue is not the existence of the original utility account, but the accuracy of the reporting, specifically the classification of this account as a collection when payment was made directly to the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
My bank account has been hacked by an unknown person out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I first received a text stating suspicious activity on my account on XX/XX/year>XXXX XXXX XXXX XXXX I flagged it as suspicious and my card was then restricted. I logged into my account and noticed multiple charges that were not mine so I immediately called Wells Fargo to flag them and get them marked as stolen. They proceeded to do so with the following charges. 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 XXXXXXXX were both cancelled immediately but unfortunately the other XXXX were not. I was told my claim was denied, stating there is no belief of fraud although I have proof that I never left XXXXXXXX XXXX that day with evidence on mXXXX XXXX XXXX XXXX XXXX filed a police report and they did get video footage of the person in XXXX, also showing it was not me. So even with a police report showing fraud, video footage that it was not me, and proof that I was in XXXXXXXX XXXX all day, the claim is still being denied and now closed. I find this to be very unprofessional and it should have been dealt with immediatly when I called. That is {$1600.00} that I am missing from my bank account from an unknown person. I had changed my card right away after, deleted all cards from my phone, and changed my password as it soundt as though they had access to my online login as well. I am very disappointed in how this case was handled with Wells Fargo with not at least re opening the case when the investigation is ongoing. The proof is there and I am told " Its closed ''. Thank you for you time on this matter. I appreciate it. 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 monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: DriveTime
State: TX

Complaint narrative:
After multiple complaints with multiple agencies, finally connected with employee XXXX ( needs training ) ; now told I was charged XXXX per mile and the only proof is if I look at odometer- I dont have the vehicle in my possession so is this sarcasm?? I provided down payment of {$3400.00}. The loan was backed out- no option to reinstate. So now a XXXX veteran with XXXX XXXX has no vehicle and no means to purchase another on top of being chastised by drive time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I submitted a XXXX complaint that was closed XX/XX/year> citing the complaint was closed due to " Pending Litigation '' however I not currently involved in any pending or prior litigation related to this matter. Chase Bank 's statement that complaint XXXX involves litigation is inaccurate. I request that the company identify the specific case they are referencing. If they are unable to do so, I ask that the CFPB review the adequacy of this response and require the company to provide substantive response to my complaint. The issue remains UNRESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have my credit frozen on all three credit report agenciesXXXX XXXX XXXX XXXX XXXX - as well as a freeze on XXXX XXXX for bank accounts since XX/XX/year>. Capital one still opened an fraudulent checking account XX/XX/year> in my name. No hard or soft pull recorded to any of the above agencies. Their fraud department recommended I freeze using XXXX XXXX XXXX XXXX XXXX XXXX XXXX the above to stop this in the future. They do not follow their own practice and never made a pull to any of the agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
My mortgage loan is owned by XXXX XXXX and serviced by PennyMac. I experienced an ongoing financial hardship beginning in XXXX due to reduced and unstable household income. I was approved for a prior XXXX XXXX XXXX XXXXXXXX and attempted it in good faith ; however, the payment proved unsustainable and could not be maintained. Before and after the modification failure, PennyMac offered a repayment plan that increased my already unaffordable monthly payment by approximately {$1600.00}. This repayment plan was not sustainable based on my households income and essential living expenses, and I could not realistically maintain it. After the modification and repayment plan proved unaffordable, I contacted PennyMac to request re-evaluation for retention or temporary loss mitigation options based on my current financial situation. I clearly stated that my hardship is ongoing, that I want to keep my home, and that I am not interested in sale options. I also requested escalation or supervisor review. PennyMac refused to review any retention or temporary relief options and refused escalation. PennyMac stated that my only option is a Streamlined Sale solely because the prior modification was not completed within 12 months. No written explanation of other loss mitigation options was provided, and my requests for further review were denied. I am concerned that PennyMac is improperly denying retention review and directing me only to disposition options, despite my ongoing hardship, my attempt to comply with prior solutions, and my expressed desire to retain my home. I am requesting a senior-level review to confirm that all applicable XXXX XXXX retention options were properly evaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX I was charged with XXXX XXXX purchases for wheel center caps. I did not purchase or need them. XXXX was for {$11.00} and XXXX was for {$15.00}. XX/XX/XXXX I received a fraud update letter stating there was insufficient evidence of fraud and they believe I or another account user benefitted. XX/XX/XXXX I contacted Capital One and was told to return or try to sell. XXXX I contacted Capital One about the same letter and was told by the agent to try to sell and there was nothing he could do. This charge was during a XXXX period, XXXX - XX/XX/XXXX, when there were numerous fraudulent purchases on the same credit card and another Capital One card. There were XXXX purchases for the wheel center apps on the second card for a total of XXXX purchases for the same item. The information used in the fraud looks like it was taken from a legitimate XXXX purchase XX/XX/XXXX for the same wheel cover caps using a XXXX card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am disputing a collection account being reported by Midland Credit Management. This account is associated with an original creditor account from XXXX XXXXXXXX XXXX that has already been removed from my credit report. I previously sent a written request for validation of this debt, which was not properly accepted or responded to. No documentation has been provided, including a signed agreement or proof that I am legally responsible for this account. Despite this, the company continues to report the collection on my credit file. Because the original account is no longer present and no validation has been provided, this debt can not be verified and should not be reported. I am requesting immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: IL

Complaint narrative:
LoanCare sent me a letter about a month ago with instructions on how to set up a mortgage payment. I went on their app, created a payment for my first installment, then set up the auto pay draft so that it would come out every month on the XXXX, when the amount was due. This past Friday, XX/XX/XXXX, the LoanCare bank withdrew 2 months worth of mortgage payments. I called on Monday, XX/XX/XXXX to resolve this with their team ; which they informed me that I was indeed charged 2 month 's of mortgage. They then proceeded to tell me that I needed to provide proof that I've paid them 2 month 's worth of mortgage even though they confirmed the payments from my account have processed. They then explained that my request would be received and handled within 3-5 business days, and once confirmed they would process a paper check to be mailed back to me which would take 10-15 business days ( XXXX weeks in total ). I explained that this would create significant financial burden on me for an error caused by their system, and they replied that this was their process and all they could do. They refused to reverse the transaction with an ACH refund. I asked whether my mortgage amortization would change since they've had 1 payment a whole month early, and they told me the wouldn't change anything. So now I'm out 2 month 's of mortgage and they quietly pocket my money with zero impact on the interest I'll owe.

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 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I requested that Citi provide a written payment-by-payment reconciliation showing how each payment received between XX/XX/XXXX and the date of resolution was actually allocated, and how it should have been allocated under 15 U.S.C. 1666c ( b ) and 12 CFR 1026.53 ( a ). I also requested re-allocation of the misapplied payments, reversal of all interest improperly charged on the misallocated amounts, and written confirmation of go-forward compliance. These requests were made informally in late XXXX / early XXXX ( Citi responded by letter dated XX/XX/XXXX, attached ) and then formally by certified mail demand letter dated XX/XX/XXXX ( also attached ).

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 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
this case is a NEW case but exactly the same as the case # XXXX filed on XX/XX/year>. the issue is that PayPal does not protect consumers ' accounts and my account has been on the verge of being compromised 3 times after the case of XXXX was resolved. but, unfortunately they got it it and now AGAIN, my account is permanently closed, they have {$61.00} that is owed to me but i can not transfer this money to my bank account i have called customer service and they say there is nothing they can do i ask for a manager and they refuse to put one on the call so here i am again, dealing with this issue which takes more than XXXX hours for me to discuss with them and in the end NOTHING gets resolved this company should be forced to invest good money to protect their customers, it can't be that this is the 4th time i go through this i want my {$61.00} and account to be closed permanently, including my credit card with them which i will pay off i have changed my email on this account to prevent being hacked, but here i am again, in the same situation, ALL OVER AGAIN

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Hi. I have an old XXXX XXXX American Express account I signed up for through XXXX years ago ending in XXXX XXXX XXXX XXXX. The card says valid thru XX/XX/XXXX. I have a {$10.00} balance on it. I called XXXX customer service over a month ago and was told I could still use the card regardless of the fact the valid thru date had passed years ago. I went to the store and tried to use and it was declined. I called today XX/XX/XXXX asking if the {$10.00} balance on the card ending XXXX could be added to my new XXXX XXXX XXXX ending in XXXX. I was told to go back to the store and use the old card because it 'should work. ' I have already proven it DOES NOT WORK. I would like for the {$10.00} balance on card ending in XXXX to be place on my new card ending in XXXX because I received an email stating the old card account will be deleted XX/XX/XXXX. I just saw this in a email today. I don't know why, but after activating my new card ending in XXXX, I received an email confirmation stating my XXXX debit card ending in XXXX was activated. This is honestly so exhausting and confusing -- so is talking to your foreign customer service representatives with thick accents. It is very hard to understand anything they are saying.

Company response to consumer: Closed with monetary relief