vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX-step validation procedure. I have no idea about this account or where it even comes from. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has caused me and my family tremoundous pain, i have been denied decent cars and apartments due to this account.I also noticed my information has been listed on the XXXXXX/XX/XXXX. Please have this removed this is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: TX

Complaint narrative:
On XX/XX/year>2026, I received a denial letter from Wells Fargo regarding my claim for fraudulent transactions that occurred on XX/XX/scrub> 2026, involving XXXX transfers of {$9900.00} each from my checking account ( Claim XXXX XXXXXXXX ). On XX/XX/scrub> 2026, I contacted Wells Fargo and spoke with a representative named XXXX to formally request a copy of my complete investigation file and all documents relied upon in making this determination. During that call, I was advised that my request had been processed and that I would receive the documents within XXXX business days. As of XX/XX/scrub> 2026, I have not received any of the requested documentation, nor have I been provided with any update or explanation for the delay. The denial letter references technical conclusions, including IP address and device usage, but I have not been provided with any records supporting those findings. Without access to the investigation file, I am unable to evaluate the basis for the denial or the reasonableness of the investigation. I am requesting that Wells Fargo provide all documents relied upon in their decision as required under Regulation 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
Consumer complaint received 2026-04-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have late payments that I would like to be removed if possible

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 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
Had a XXXX issued by a company I didn't owe who bought the account from another creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I am writing to formally dispute the alleged debt referenced in your communication from TrueAccord , Inc., acting on behalf of XXXX XXXX XXXX XXXX XXXX, regarding account number XXXX ( TrueAccord Corp. account ), with an alleged balance of {$310.00}, current creditor XXXX XXXX XXXX XXXX XXXX, account ending in XXXX, and original creditor XXXX ( XXXX XXXX ), account ending in XXXX. XXXX XXXX. This debt is hereby disputed in its entirety. I do not acknowledge any obligation to TrueAccord, Inc. or XXXX XXXX XXXX XXXX XXXX, and I demand strict validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), and the Fair Credit Reporting Act ( FCRA ). XXXX. Failure to Provide Required Validation Deficient Notice Your communication fails to meet the validation requirements mandated under federal law. Specifically, you have not provided : A copy of the original signed agreement or contract bearing my signature A complete and itemized accounting of the alleged balance of {$310.00} Documentation establishing a complete chain of title, including lawful assignment or transfer from XXXX to XXXX XXXX XXXX XXXX XXXX Proof that TrueAccord , Inc. is authorized to collect on this specific account Absent these materials, the alleged debt is unverified, disputed, and legally unenforceable. XXXX. Dispute of Accuracy, Ownership, and Legitimacy Based on available information, the referenced account was properly closed and all obligations were fulfilled. The amount claimed lacks a clear factual and legal basis and is therefore disputed as inaccurate, misleading, and unsupported. XXXX. Notice of Potential Violations ( FDCPA & FCRA ) Be advised that any continued collection activity or reporting of this disputed debt without first providing proper validation constitutes potential violations of : FDCPA ( 15 U.S.C. 1692e, 1692f, 1692g ) Prohibiting false, deceptive, or unfair collection practices FCRA ( 15 U.S.C. 1681s-2 ) Prohibiting the furnishing of inaccurate or unverified information Continued noncompliance may result in regulatory enforcement actions and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Healthcare Finance Direct LLC.
State: NY

Complaint narrative:
I am filing a complaint against Healthcare Finance Direct, LLC ( HFD ) regarding my account for deceptive practices related to their " No Interest Financing '' promotion. On XXXX XXXX XXXX, I entered into a Retail Installment Credit Sale Contract through XXXX XXXX XXXX, XXXX. for {$2900.00} in dental services. I was offered an 18-month no-interest promotional period ending XXXX XXXX XXXX requiring me to pay the full {$2900.00} principal by that date. The contract set my automatic monthly payment at {$150.00}. However, the promotional disclosure stated I needed to pay $ XXXX to satisfy the promo. This $ XXXX difference was not clearly communicated through HFD 's online payment portal the software I relied on to manage my account and make payments. Specifically, HFD 's payment portal did not prominently display : ( 1 ) my promotional payoff balance, ( 2 ) the payment amount required to meet the promotional deadline, or ( 3 ) a clear tracker showing whether I was on pace to satisfy the promotion. The portal displayed my minimum payment of {$150.00} as the amount due, which I paid consistently and in good faith. As a result, I paid approximately {$2700.00} of the {$2900.00} over 95 % of the principal but fell approximately {$120.00} short by the promotional deadline. HFD then applied the full deferred interest charges under the 24.97 % APR, plus {$80.00} in fees. I believe this practice is unfair and deceptive because : 1. The automatic payment amount was deliberately set below the promotional payoff amount, creating a built-in gap that ensures consumers who rely on auto-pay will fail the promotion. 2. HFD 's payment software did not provide adequate, prominent disclosure of the promotional payoff requirements, despite being the primary tool consumers use to manage their accounts. 3. The structure of this arrangement where a consumer makes every scheduled payment on time yet still fails the promotion is designed to generate interest revenue at the consumer 's expense. I am requesting that HFD : ( 1 ) honor the no-interest promotional terms, since I paid 95 % of the principal in good faith ; ( 2 ) waive all accrued interest charges and fees ; and ( 3 ) close my account upon receipt of any remaining principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB : I made the installment payment using my XX/XX/XXXX credit card from Chase Bank, under the " Chase Plan Over Time '' program. Upon reviewing my XXXX statement, I noticed multiple errorsspecifically, several charges were incorrectly reapplied to my plan. I had XXXX plans that were fully paid off last year, yet these have reappeared on my XXXX statement. I promptly reported this issue to the bank and have attached their response for your reference. However, according to their letter, the bank maintains that no error occurred, which I find perplexing. After many thorough reviews of the attached statements, I have confirmed that I was charged more than I should have been. Despite my repeated attempts to contact the bank, I have not received any satisfactory correction or explanation regarding this matter. I sincerely hope that CPFB will be able to assist me in resolving this issue, as I have exhausted all other avenues without success. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: WI

Complaint narrative:
I am reporting an unauthorized {$370.00} debit transaction and a subsequent failure by Block, Inc. ( Cash App ) to follow the " Error Resolution '' requirements of Regulation XXXX ( XXXX XXXX XXXX ). Timeline of Events : XX/XX/XXXX ( XXXXXX/XX/XXXX ) : XXXX unauthorized " burst '' transactions were attempted by 'XX/XX/XXXX (XX/XX/XXXX) within XXXX XX/XX/XXXX XXXX charge for {$370.00} was successful. XX/XX/XXXX ( XXXX PM ) : I notified Cash App Support of the fraud within XXXX XX/XX/XXXX of the occurrence. XX/XX/XXXX : Cash App denied the dispute after a XXXX " investigation, '' claiming the transaction was authorized despite it being a " Card Not Present '' fraud from a merchant with a disconnected phone ( XXXX ). XX/XX/XXXX : The same merchant attempted XXXX additional unauthorized charges ( {$370.00} and {$320.00} ), proving a continuous fraud pattern. XX/XX/XXXX : I presented XXXX Police Report XX/XX/XXXXXXXX to Support Manager XXXX XXXX. ( Ref : XXXX ). The manager refused to reopen the case, stating " we are unable to reopen closed claims, '' which is a direct violation of the Electronic Fund Transfer Act when new evidence is provided. Regulatory Violations : Failure to Conduct a Reasonable Investigation : Cash App approved a dispute for a smaller {$11.00} charge from this merchant but denied the {$370.00} charge, showing inconsistent and arbitrary internal logic. Violation of Regulation XXXX : By refusing to accept a police report as material evidence, Block , Inc. is failing its duty to resolve errors. Non-Compliance with XXXX CFPB Consent Order : This incident mirrors the exact " shoddy investigation '' patterns Block , Inc. was ordered to remediate in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that I didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXXstep validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has called a lot of financial damage to my life and im asking for this to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint due to a series of failed or ignored requests to transfer and consolidate IRA funds, specifically involving Wells Fargo. - Failure to Execute Transfer Instructions ( XX/XX/XXXX ) : On XX/XX/XXXX, I submitted formal instructions to the Wells Fargo IRA XXXX to transfer funds from my IRA to XXXX XXXX XXXXXXXX XXXX as mandated by our divorce decree ( Page XXXX, Section XXXXXXXX XXXX ). Despite a follow-up email on XX/XX/XXXX, there has been no movement or confirmation from Wells Fargo regarding this transfer. - Repeated XXXX Rejections ( XXXX ) : Multiple attempts to transfer these assets to external firms ( XXXX XXXX XXXX XXXXXXXX ) via the XXXX electronic process have been rejected by Wells Fargo. In XX/XX/XXXX, a transfer was rejected due to an " invalid account number '' despite the account being synced. In XX/XX/XXXX, a Roth IRA transfer was again rejected. Betterment advised that Wells Fargo was not accepting paperwork that they deemed insufficient for the electronic process. - Access Issues : Despite linking the account to XXXX, it is not eligible for transfer. I have been to the branch and asked directly. I have no idea how to access this money in a way that does not require me to pull it out and close the account, and thus incur taxes.

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 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was entitled to a total of XXXX escrow refund checks and have never received XXXX of the XXXX checks that chase mortgage claimed they mailed. Out of XXXX refund checks I only received XXXX copy of a canceled check in the amount of {$66.00} that was issued on XX/XX/XXXX. Chase has not provided any information as to where these checks are and none of the checks were refunded to my escrow account. The following checks are still unaccounted for. XX/XX/XXXX - {$2100.00}, XX/XX/XXXX - {$1000.00}, XX/XX/XXXX - {$7200.00}, XX/XX/XXXX - {$5200.00}, XX/XX/XXXX - {$5600.00}, XX/XX/XXXX - {$1300.00}. These outstanding checks total {$22000.00} and chase can not tell me where my money is, and my escrow account hasXXXX a {$10000.00} shortage. I would appreciate any assistance you can provide to help resolve my issue. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am disputing BMO Harris Banks response to my complaint. Their explanation does not address the core issues, contains omissions, and does not reflect the facts of my account activity. XXXX. I met all requirements for the {$400.00} bonus early According to the Terms and Conditions BMO attached : Have a cumulative total of {$4000.00} in qualifying direct deposits post to your account within XX/XX/XXXX days of account opening. I completed this requirement within XX/XX/XXXX days of opening the account. There is no requirement to maintain a balance after meeting the requirement. XXXX. BMO closed my account prematurely, before the bonus payout window The Terms and Conditions state : Your account must be open when the cash bonus is paid approximately XX/XX/XXXXdays after account opening. My account was closed on XX/XX/year>2026, which is before the expected bonus payout date of XX/XX/year>2026. I had already met the requirements, and the account should have remained open until the bonus was paid. XXXX. BMO closed my account without any notice In their letter, BMO states : If your balance is XXXX, we may close your account. However, they do not state that they notified me because they did not. I received no warning, no email, no letter, and no opportunity to restore the balance before closure. Closing an account without notice is an unfair practice, especially when the customer has met promotional requirements and is awaiting a bonus payout. XXXX. My account was active and had ongoing direct deposits BMOs letter claims the account had a XXXX balance for an extended period, but this is misleading. I used the account for direct deposit, and another direct deposit was scheduled to arrive around the time they closed the account. This means the account was active, not dormant. BMO closed the account knowing that additional deposits were still being made. XXXX. BMOs justification does not align with their own Terms and Conditions The Terms and Conditions require : The account to be open when the bonus is paid The direct deposit requirement to be met withinXX/XX/XXXX days I met the requirements. BMO closed the account before the payout window, without notice, and then used the closure as the reason to deny the bonus. This appears to be an unfair and deceptive practice designed to avoid paying an earned promotional bonus.

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 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I paid them and they said once paid they will delete this from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXXstep validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am respectfully asking for this to be removed, this is causing damage to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
I am filing this complaint due to inaccurate, inconsistent, and unverifiable information being reported on my credit file across multiple credit reporting agencies. After reviewing my credit reports from XXXX, XXXX, and XXXX, I identified multiple accounts that are not reporting consistently across all three agencies. This includes differences in account status, payment history, and derogatory classifications. For example, certain accounts are reported as current on one bureau but derogatory or charged-off on another. This is a direct violation of 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which requires deletion of unverifiable information. The following accounts are affected : XXXX XXXX XXXX ( inconsistent status and payment history ) XXXX XXXX XXXX ( reported on some bureaus but not all ) Lockhart Morris & Mont ( inconsistent reporting and disputed status ) XXXX XXXX / XXXX XXXX ( conflicting late payment history ) Because these accounts are not reporting consistently, they can not be considered accurate or verifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am seeking the following resolution due to documented violations of federal consumer protection laws : 1. Immediate and permanent cessation of all telephone communication 2. Written confirmation that my number has been removed from all call systems and third-party vendors 3. Monetary compensation for violations of : Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ), 1692d ) Telephone Consumer Protection Act ( 47 U.S.C. 227 ), including statutory damages of {$500.00} {$1500.00} per unauthorized call 4. Deletion of the alleged debt and removal of any related tradelines from all consumer reporting agencies as part of resolution 5. Full investigation into this companys unlawful collection practices 6. Written confirmation that no further contact will occur without proper legal basis These violations continued after I explicitly revoked consent and/or requested no further communication, constituting willful noncompliance and causing harm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
The company has now provided a payoff statement ; however, this does not resolve my complaint. Solar Servicing LLC has stated that the loan must be paid in full and that no transfer or alternative options are available. This position does not address the issues raised in my complaint. At the time I entered into this agreement, I was advised that handling or transferring the solar obligation during the sale of my home would not be an issue. I relied on that representation when moving forward with the loan. Additionally, the loan agreement contemplates assignment or transfer with lender approval. However, the current servicer has taken a blanket position that no transfers are allowed under any circumstances. I have also received inconsistent information from representatives, including prior statements that settlement or payoff options may be available, which is now being contradicted. Further, my submitted authorization from XX/XX/XXXX was not properly handled, and my prior communications were not responded to in a timely manner. The requirement to pay the loan in full, without any flexibility or workable options, is now preventing me from selling my home and completing my relocation, causing financial harm. I am seeking a reasonable resolution, including : Consideration of a negotiated payoff or settlement option Clear and consistent communication from a representative with authority to resolve this matter A workable path to resolve this loan in connection with the sale of my home This matter remains unresolved.

Company response to consumer: Closed with explanation