vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am filing this complaint against Bank of America regarding their failure to resolve a billing dispute involving an unauthorized gratuity charge. On XX/XX/year>, I booked a XXXX XXXX with XXXX XXXX XXXX XXXX over the phone. During that call, I provided my credit card information ( Bank of America Visa ending in XXXX ) to pay for the rental. At no point during the phone call did the merchant disclose that a XXXX % gratuity would be added to my charge, nor did I agree to any gratuity. I was never given the opportunity to consent to, adjust, or decline a tip. Without my knowledge or consent, the merchant charged my card {$200.00}, which included a XXXX % gratuity of {$25.00} added on top of the rental fee and taxes. I only discovered this when I received a booking confirmation email from XXXX ( Booking # XXXX, dated XX/XX/year> ), which itemized the gratuity. I did not receive a receipt at the time of the phone transaction. I contacted the merchant directly to request a refund of the {$25.00} gratuity. The merchant refused. I then filed a billing dispute with Bank of America. Bank of America denied my dispute, stating that because I had not canceled the charge with the merchant, they could not assist me. I called Bank of America again and specifically requested that the dispute be resubmitted for the gratuity portion only ( {$25.00} ). The XXXX confirmed it would be resubmitted. It has now been several weeks with no update, no written acknowledgment, and no resolution. When I followed up again, Bank of America 's dispute department requested a receipt. The booking confirmation email the only documentation I ever received clearly itemizes the {$25.00} gratuity that was charged without my consent. I am attaching this as supporting evidence. Charging a gratuity over the phone without the consumer 's knowledge or explicit consent is an unauthorized charge and constitutes a billing error under the Fair Credit Billing Act ( FCBA ). I am requesting that the CFPB require Bank of America to properly investigate this dispute and issue a refund of {$25.00} for the unauthorized gratuity charge.

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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am submitting this complaint to respectfully request an XXXX review of a XXXX adjustment that has now been denied twice by Capital Ones XXXX XXXX XXXX team . In XX/XX/XXXX, a XXXX-day late payment was reported on my account for a past-due amount of {$140.00}. This occurred when I enrolled in a debt management plan following the unexpected death of my nephew. During that time, I believed all required payments were included in the plan, but later learned that a separate payment of {$140.00} was still due directly to Capital One. As soon as I became aware of the oversight, I immediately brought the account current. This is the only late payment on my credit file. Since filing Chapter XXXX bankruptcy in XXXX, I have worked diligently to rebuild my credit and have otherwise maintained a clean payment history. I am not disputing the accuracy of Capital Ones reporting and fully understand their obligation under the Fair Credit Reporting Act to report accurately. However, I respectfully request reconsideration of a XXXX XXXX adjustment based on the extraordinary XXXX surrounding this isolated event, my long-term positive credit behavior, and the significant impact this single late payment is having on my ability to refinance my home. I have attempted to resolve this directly with Capital One through multiple written XXXX requests, both of which were denied on a courtesy basis. I am asking for an XXXX review in recognition of the unique circumstances and my sustained effort to maintain responsible credit management. Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
When my loan was recently transferred to Fay Servicing from XXXX I had a half payment that was transferred to Fay. I was told it would go to a XXXX account until I made the other half payment then it would apply to my note. The problem is they did NOT tell me that it would go to principal after so many days. I had some XXXX issues and went out of the state and when I returned I made a FULL payment for XXXX forgetting the amount left in suspense. Fay then applied it to principal. When I called they said I could apply to have it refunded and gave me directions to do that but the directions did not match the ones that were responded to in the email and I was not comfortable with it since it was NOT secure. I asked that they reverse the payment and they said it would take XXXX days. BUT it was reversed in XXXX day and REapplied BACK to principal. So, I requested that done AGAIN. Today it has been XXXX days and it has NOT been reversed yet. So I wait. The problem is they will NOT allow me to talk to a supervisor. I have asked XXXX times I've called. And their directions do not match EACH other. It's confusing and I have NO faith in this company AT ALL. I really am NOT comfortable even paying by phone because I don't trust them. I really just want to pay my mortgage without issue. I will be mailing my payment from now on. please can you help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Validation of Debt Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Validation of Debt Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Validation of Debt Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I pitched my car from a dealership in XXXX of XXXX in XXXX XXXX, XXXX. I am trying to sell the car to XXXX and they are telling me I'm not the only loan/lien on XXXX car. There is another name attached on my car. A XXXX XXXX and I have contacted my finance company Santander consumer USA an they have verified over the phone that they have opened another loan on my vehicle which is a violation of my auto loan because now it is not a clean title which I can not sell the vehicle because I am not the sole owner of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
Subject : Unauthorized Disclosure of My Tax Documents ( Form XXXX ) by Mortgage Servicer Complaint : My mortgage servicer ( Mr. Cooper / Lakeview XXXX XXXX ) improperly disclosed my personal financial information to the buyers of my home. My Form XXXX for the XXXX tax year was mailed to the buyers in the same envelope as their documents. I have text messages from the buyers confirming that both of our tax documents were in the same envelope, and the buyers still have the envelope in their possession. In addition to the physical disclosure, the servicer uploaded my Form XXXX into the buyers online account instead of mine. The company repeatedly emailed me a link to access my XXXX, but the link is tied to the buyers login information, so I can not access it. This confirms that my tax document was placed under another customers profile. Most likely because it was a XXXX loan assumption. I have contacted the servicer multiple times, but I have only received generic emails directing me to the same inaccessible link. They have not acknowledged the breach, explained how it occurred, or provided any corrective action. This incident constitutes an unauthorized disclosure of my personal financial information, including my name, address, mortgage account number, loan details, interest paid, and the last XXXX digits of my SSN. This violates federal privacy and safeguarding requirements under the XXXX XXXX and applicable consumerprotection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I discovered a serious issue regarding how this alleged debt is being reported across the credit bureaus. This same account is currently being reported as a charge-off on XXXX and XXXX, while it is being reported as a collection account on XXXX. A collection agency can not create or report a charge-off. A charge-off can only be reported by the original creditor when the account is written off as a loss. Reporting the same alleged debt in XXXX different derogatory categories across the credit bureaus raises serious concerns regarding the accuracy and legality of the reporting. Under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ), any company furnishing information to consumer reporting agencies must ensure the information reported is accurate and verifiable. Additionally, FCRA 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting the same alleged debt as both a charge-off and a collection creates materially inconsistent reporting. In addition, XXXX XXXX reporting standards require that all data furnished to consumer reporting agencies be complete, accurate, and fully substantiated with documentation. Furnishers are required to report accounts using the correct account status and classification. Reporting the same account inconsistently across multiple credit bureaus raises serious concerns regarding compliance with XXXX XXXX reporting guidelines. Furthermore, I never received the required written notice of the debt before this account was placed on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA 1692g ( a ) ), a debt collector must send written notice of the debt within XXXX days of the initial communication with a consumer, including the amount of the debt, the name of the original creditor, and the consumers right to dispute the debt. I did not receive this required written notice. In addition, I have received excessive and repeated phone calls from representatives of this company regarding this alleged debt. During XXXX of those calls, a representative suggested that legal action or a lawsuit could be filed against me. These repeated and threatening communications raise serious concerns under FDCPA 1692d, which prohibits harassment or abusive practices in connection with the collection of a debt. Because of these issues inconsistent credit reporting, failure to provide written notice, excessive phone calls, and failure to provide proper validation of the alleged debt I have filed complaints with the Federal Trade Commission ( FTC ) and my State Attorney General regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have asked this company to stop contacting via phone and send me letter in the mail to the address on file. I have not received anything. When the company calls about collecting debt, I have tell them over and over and over that I do not owe this debt, and advises to stop calling the representative as this point is ignoring my request. I asked to speak with supervisor, and I was hung up on. I have not called back, becasue I will not be harrassed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NY

Complaint narrative:
Revco debt collectors called and had my correct name and date of birth but the social and home address were not mine. They said I owed a debt to XXXX XXXX XXXX XXXX XXXX I dont live in XXXX XXXX nor have I ever lived there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2023, I was involved in an accident with my XXXX XXXX that was financed with US Auto Sales. I filed a GAP insurance claim under their CPI at that time ( Claim number XXXX ) and the GAP insurance settled the loan. In process of the loan being settled under GAP insurance ; US Auto Sales closed all of their business and left me with the loan and no vehicle to replace for my total loss after GAP insurance settled for me to get another vehicle. I've called the new loan company which is Westlake Portfolio Management and all they told me to do was refinance the loan or simple just pay on it. I can not refinance the loan anywhere and I'm left with a {$28000.00} loan with no vehicle. The GAP insurance company is named XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Our original HELOC was paid in full, and we subsequently opened a new HELOC after needing additional funds. As with the first HELOC, the servicing was transferred from XXXX to Shellpoint almost immediately. Unfortunately, our experience with Shellpoint has been extremely disappointing. We continue to encounter poor customer service, repeated processing errors, and an inability to resolve even straightforward issues during a single phone call. Each time we contact customer service, we are told that requests must be sent to another department, only to later learn that the request was submitted incorrectly or not handled properly. This results in multiple follow-up calls, hours of wasted time, and significant frustration. Most recently, our second payment was due XX/XX/XXXX. I made the payment on XX/XX/XXXX via our bank account to ensure ample time for processing. On XX/XX/XXXX, I discovered the payment had been applied to our old HELOC account rather than the new one. I contacted your office and spoke with XXXX XXXX, who assured me the issue would be corrected within one day. It was not. On XXXX, I called again and spoke with XXXX. After requesting a manager and experiencing resistance for approximately 15 minutes, I was transferred to XXXX, a supervisor. I was told the correction would be completed by end of business today. While I hope this occurs, previous assurances have not been honored. Beyond correcting the payment application immediately, I am formally requesting a call from a member of your executive management team to address : The repeated failure to resolve issues during initial contact The unprofessional, argumentative, and dismissive tone exhibited by members of your service team The excessive time burden placed on customers due to internal processing errors Your representatives are paid to be on the phone. I am not. It is unreasonable that customers must spend hours resolving issues that should be handled correctly the first time. Please have an executive-level manager contact me directly to discuss these concerns.

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 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
A dealership submitted an auto loan to Ally Bank using a forged electronic signature. I did not sign, authorize, or electronically approve this contract. The loan was opened in my name without my consent and is currently being reported on my credit. This constitutes identity fraud and forgery. I am requesting an immediate investigation, suppression of credit reporting during the investigation, and removal of the fraudulent loan from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXX * * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX Called me and said they were with the fraud department at chase and they see a charge from XXXX XXXX in XXXX for {$75.00}. They said that they can ship me a new card and the old one can still be used. They said that they can send me a temporary pin # through my email. But they asked to confirm my current pin # I hung up right away and blocked the number

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as

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 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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