vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ameritan Group Services
State: TX

Complaint narrative:
A debt collection company identifying itself as Ameritan Group Services has repeatedly contacted me and members of my family regarding an alleged old personal loan debt in Texas. This alleged debt does not appear on my credit reports through XXXX XXXX, and I have not acknowledged the debt or agreed to make payments. On XX/XX/year>, the company sent an email stating that a payment plan had been arranged with XXXX scheduled card payments totaling {$320.00}. No one in my household agreed to any payment plan, and no one provided card payment information or authorization. The email falsely states that I worked with them to resolve the account and instructs that funds be available for scheduled payment dates. I am concerned this is deceptive debt collection activity and/or an attempt to collect without authorization. I am also concerned about repeated contact to family members regarding this alleged debt. I am requesting that this company cease unauthorized collection activity, stop contacting third parties, provide proper validation of the alleged debt, and confirm that no payments will be processed.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Hidden Meadow Lending
State: KY

Complaint narrative:
Contacted the company through email on XX/XX/year>, requested a payoff and access to my account. They stated that they could not give access to the account, but my balance was {$640.00}. Contacted AGAIN on XX/XX/XXXX about information on my account balance and payment. They then stated they could not give me any information. Payment are XXXX every XXXX weeks so roughly XXXX a month. Contacted again today XXXX because account should be paid off this is the response I was given " Upon checking here Mr./Mrs. XXXX XXXX XXXX, if you choose to pay off your loan on your upcoming due date, which is on XXXX, the total payoff amount will be {$580.00}. '' My account has only went down {$61.00} dollars in a XXXX month span! I pay {$300.00} dollars a month! Again requested access to MY account and this was the other response from XXXX " For your security, we dont offer an online portal or login access. This helps protect your account from identity theft and fraud. If you have questions or need help, feel free to chat with us or call our support teamwere happy to assist! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I am disputing Credit Systems Internationals reporting and collection activity regarding an alleged account appearing on my consumer reports. Following multiple known data breaches where my personal information may have been exposed, I reviewed my consumer reports and identified questionable and potentially inaccurate collection reporting associated with this alleged debt. To date, I have not been provided sufficient documentation verifying the alleged account, including a signed agreement, complete billing history, itemized accounting, service records, proof of lawful assignment or collection authority, or consumer-specific documentation establishing that this debt is accurate and belongs to me. Despite the damaging reporting, Credit Systems International continues furnishing information to the consumer reporting agencies without providing competent verification supporting the accuracy and completeness of the alleged debt. Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, debt collectors are required to furnish only information that can be fully verified as accurate and complete. If this account can not be fully validated with competent documentation, the collection tradeline must be deleted immediately from all consumer reporting agencies. I am requesting : * A full investigation * Copies of all documentation relied upon * Immediate deletion of inaccurate or unverifiable reporting * Confirmation that all consumer reporting agencies have been updated accordingly This complaint is submitted to preserve my rights under 15 U.S.C. 1681e ( b ), 1681i, 1681c-2, and applicable FDCPA provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a letter saying I was being sued for a debt midland credit management bought. I called and asked for verification to be sent through the mail. They got angry and said I could go online. That disputing and waiting on the mail wont stop them pursuing legal action against me. I havent received anything from them. They have not provided any info on how to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I am filing a complaint regarding an alleged debt originally associated with XXXX and subsequently referred to a third-party collection agency, IC System. XXXX notified me that my account was past due and later sent the account to collections. Afterward, I received a notice from IC System claiming the alleged balance along with additional fees that I do not recognize or authorize. On XX/XX/year>, I sent a debt verification request to IC System via certified mail. The letter was successfully delivered on XX/XX/year>. As of today, more than 30 days have passed, and I have not received any response, validation, or supporting documentation from IC System as required under the Fair Debt Collection Practices Act ( FDCPA ). Recently, I contacted XXXX directly to clarify the situation. XXXX informed me that they could only see the amount allegedly owed but could not provide detailed documentation. I requested that they update my mailing address and send itemized billing statements to my current address ; however, they refused to update my address to help me have the requested documentation. Additionally, XXXX stated that they could no longer accept settlement on the account. When I asked whether the debt had been sold or merely assigned to IC System, they did not provide a clear answer and instead directed me to contact IC System. When XXXX attempted to contact IC System regarding the additional fees, IC System refused to communicate with XXXX and insisted that I call them directly. I declined to do so, as I have already exercised my legal right to request written validation of the debt. At this time : IC System has failed to respond to my timely debt validation request. XXXX refuses to provide documentation on updated my mailing address. Neither party is clearly stating whether the debt has been sold or assigned. Additional fees are being claimed without proper authorization or explanation. I am willing to resolve and settle any legitimate debt that I owe. However, I am being denied proper validation and documentation, and both parties are failing to follow appropriate procedures.

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 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I was approved for 3 month Trial plan and completed successful, per there notes, phone calls, and documentation received. Upon waiting for my final modification documents, XXXX XXXX has rejected my Modification and returned me to normal servicing. They are not honoring what they offered and I have complied fully. There are many phone calls and documentation supporting all of this. I feel they are trying to take my home from me. I am a XXXX XXXX XXXX XXXX who did need assistance on my payments due to illness. This Trial plan was a payment supplement Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited a total of XXXX XXXX XXXX Money Orders ( three for {$500.00} each and one for {$100.00} ) via mobile deposit on XX/XX/year>. On XX/XX/XXXX, Wells Fargo debited {$500.00} from my account, claiming one of the items was 'counterfeit. ' Despite my requests, the bank has refused to provide me with the specific details or the physical 'returned item ' document. However, I obtained official documentation from XXXX XXXX ( the issuer ) showing that all these Money Orders # XXXXwere CLEARED and PAID to Wells Fargo ( Routing # XXXX ) on XX/XX/year>. Wells Fargo is withholding information, has already collected the funds from the issuer, and is now unjustly debiting my account. This is a lack of transparency and an accounting error that the bank refuses to correct.

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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I placed a payment to my Capital One XXXX XXXX. For whatever reason, the agent on the phone line confirmed the old card number as my current card number, this resulted in a failed attempt to pay my payment on the new card as the Capital One agent provided me the wrong card information ( said my canceled older card was my current one ). I requested a courtesy refund due to the fact that I've been with the company for years and only had one incident which was an outdated debit card being used to pay my payment ( It was to be paid XX/XX/XXXX but they needed it to show the month after ). Not a big deal, but when I contacted them about this late fee ( to which I had made an earnest attempt to pay ) they didn't care that I had tried to pay it, nor did they care that I'd been with them for many years with no issues. The supervisor tried to end the call with me even though I had questions about the cancellation process. She said " I'll cancel it for you '' when I clearly stated I just wanted information on how to cancel it. She scoffed and said what do you wan na know, I'm busy. So when she said she was busy I asked for corporate 's number, she said they didn't have one and hung up on me. I eventually found something resembling a leadership/executive line where the gentleman listened to my issues with the company and stated that he couldn't do anything but take down a complaint. He stated he would pass it along when I asked for a place to send it too so I could prove it was actually sent off. He said the one way to complain to executive is by telling him the complaint and he would pass it along. Once I was done I asked him to read my complain back to me. He said that he'd " already sent it and couldn't find it even if he wanted too ''. It feels like this entire company is built around deceit, lying, and duplicity. They're not an ethical brand and deserve to be investigated for their awful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX, I paid {$3500.00} to XXXX XXXX via credit card for the XXXX XXXX XXXX XXXX XXXX. The merchants no-refund contract was sent via Dropbox Sign at XXXX XXXX XXXXXXXX XXXX XXXX after payment was collected at XXXX XXXX XXXX ( XXXX XXXX XXXX ), as confirmed by my XXXX payment confirmation email. I had no opportunity to review the no-refund terms before payment was taken. I requested a full refund on XXXX The merchant declined and offered only {$1500.00}, implicitly acknowledging the service did not fully deliver as promised. I filed a chargeback dispute with Citibank. Citibank closed the dispute without requesting any evidence or documentation from me. The merchant submitted a XXXX receipt with no timestamp, making it appear the payment and contract were contemporaneous. Citibank did not provide timely written notice of their decision as required under the FCBA. I have since escalated to Citibanks Executive Response Unit with full timestamped evidence.

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 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: IL

Complaint narrative:
This is for XXXX XXXX XXXX. FROM XX/XX/XXXX around XXXX. The lady who spoke with me last on the phone was cutting me off, yelling, mocking, putting me down, telling me to get money from a friend. Said the debt has been ongoing for XXXX. She was repeating what I was saying, and was not having a glimmer of humane interaction with me when I was the one who called THEM, trying to see what my options are, as I have slowly been paying off all of my debt, newly unemployed, and was in a XXXX XXXXXXXX situation. She did not care or even try to hear me. I have never been spoken to in such an aggressive way by customer service. It was demoralizing. I have been trying my best. This was my last major credit I needed to pay off- it's the biggest amount I owed. But instead of understanding or even stop talking long enough to listen, she chose to do the exact opposite. I would like to file a complaint to report her abusive nature and how triggering that was for someone who has acquired all of this debt due to an XXXX ENVIRONMENT. I owe about $ XXXX total - and just wanted to see if I could get some more time, if I could do a payment plan, etc. Again, recently unemployed, and she said to borrow that large amount of money from a friend or something. What on earth.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I received a debt collection amount in the sum of {$21000.00} for rent due to a property called XXXX XXXX XXXX located at XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX between XXXX of XXXX to XXXX of XXXX, but I have no knowledge of this property and never stayed there during that time frame. I have been living in the same condo in an entirely different part of town the last 5 years and can prove that my residency was there and never changed during that set of dates listed for the debt being owed. So I'm filing a report to indicate identity fraud since someone used my name to record these payments and I am disputing the debt and filing this claim as a part of the dispute claim with the collection agency, which is assisting me in reporting it as fraud and debt that is not owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fundo LLC
State: SC

Complaint narrative:
Sent cease and desist per 1692c FDCPA. I told the company to stop all collection attempts but the company refused to do so and threatened legal actions against me when I fall under hardship. Threatened to damage my credit score and put a UCC lien on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am appealing the automated closure of Barclays dispute case XXXX regarding a charge from XXXX. Barclays closed this case using 'proof of delivery ' as their sole justification. While a package was delivered, the merchant sent a counterfeit or fraudulently substituted item. The sewn-in XXXX XXXX security QR code on the garment scans as a completely different product color/description in the manufacturer 's database, proving the item is an inauthentic replica. Barclays is violating my consumer rights under the Fair Credit Billing Act by refusing to evaluate my physical manufacturer proof. I request that case XXXX be reopened and the charge reversed. ''

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 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
I am disputing the collection account reported by Sequium Asset Solution for XXXX XXXX in the amount of {$3900.00} because this account does not belong to me. I do not recognize this debt and have no knowledge of this account. I am requesting complete validation and verification of this alleged debt, including signed agreements, account records, billing statements, and proof that I am legally responsible for this account. If the company can not provide proper verification, I am requesting immediate removal of this collection account from all credit reporting agencies under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX, I fell into some financial hardships and I was relying on my school checks to help pay my rent. My school check for the Summer semester was a little late making it difficult to pay my rent on time. I communicated all of this with the leasing office, in which I will provide copies of this. When I was finally able to receive the deposit from the school I went and got a Money Order and dropped it off at the office. I later returned home the next day with the money order sitting on my countertop, which was an unlawful entry because I never authorized anyone to enter. They stated that they legally could not take the money order due to their policies. I spoke with XXXX, who was the leasing manager, and she stated that because it hasn't been 30 days they should be able to take the money. I then received an email from XXXX stating that they are unable to, and maybe I had an alternate conversation with XXXX, but as on XXXX XXXX XXXX she is unable to. She states that I will be able to vacate the property or wait from a judgement from the courts. Of course, I'm not going to wait to have an eviction on my records ( which I found out that was threat, not judgment was filed ) I decided to vacate the apartment and find somewhere else to stay. To my surprise, I receive a report on my credit stating I owe this company $ XXXX and it was reported on my credit. I did not receive an email, mail or anything stating that a debt is owed thus more, I was told by the leasing office I could vacate without any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I file a claim on the XXXX Claims # XXXX XXXX I am providing a professional Malware Incident Report from my carrier ( XXXX ) dated XXXX. Section 6 of the report confirms High Severity credential compromise and device misuse. Section 8 identifies 'Malicious application installation ' and 'Phishing link interaction ' as the root causes. This proves that any app logins detected by the bank were executed by malware/unauthorized parties, not by me.

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 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
Complaint Narrative I'm submitting this complaint regarding ongoing servicing and communication issues with MOHELA concerning my federal student loans and Income Based Repayment ( IBR ) account management. I recently received notice that my IBR payment had been calculated at approximately {$240.00} per month. After speaking with a MOHELA representative by phone, I was informed that my dependent/household information had not been properly included in the calculation. During that conversation, the representative advised that correcting this information would likely reduce my monthly payment significantly. The representative also asked whether I had filed my current taxes. I later confirmed with my accountant that I have NOT filed my most recent tax return. When I contacted MOHELA again to provide this updated information and request recalculation of my payment, I was told by another representative that they could not locate my account, despite the fact that I am actively able to access and view my account online. I am concerned about : Inconsistent and conflicting servicing information Failure to properly process or review updated repayment information Difficulty obtaining accurate assistance from representatives Potential improper calculation of my repayment amount Lack of continuity and follow-through in account servicing Additionally, I previously submitted concerns to MOHELA regarding earlier servicing under XXXX, specifically related to lack of communication about potential repayment and forgiveness opportunities available to borrowers. I was informed that MOHELA would research the matter and respond, but communication stopped and I never received a formal resolution or written determination. My loans date back to approximately 2003, and I am requesting a thorough review of : My repayment calculation Household/dependent information Prior servicing history Any repayment or forgiveness opportunities that may not have been properly communicated I am requesting : Immediate review and recalculation of my IDR/IBR payment using accurate household information Clear written communication regarding the status of my account Review of prior servicing concerns and complaint history Assurance that all applicable repayment and forgiveness options have been properly evaluated and communicated I am attempting to resolve these issues directly with MOHELA, but I am filing this complaint due to inconsistent information, lack of follow-through, and ongoing servicing concerns.

Company response to consumer: Closed with explanation