vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I am not sure I have selected the right things. I totaled my car in XXXX. I had XXXX for my insurance, who did not help at all and did not let me get my belongings out of my car and sent it straight to a salvage yard. I never heard from my advisor, or even have the knowing they towed my car. XXXX also wants me to pay them {$70.00} for my insurance even though I lost my personal belongings and my advisor never returned any of my calls and they also did not help with gap as they said they would. Then Ally who I am financed through told me in XXXX I would be charged the entire amount unless I had XXXX contact them for what they were needing. I made that happen. Ally was supposed to get the information to gap. The number I have for gap is automated and I can not talk to a person. Ive tried explaining this to ally since XXXX. When I opened my app in XXXX it said I owed XXXX. I assumed that was insurance deductible and interest. Then XX/XX/XXXX it showed XXXX. Then on the XXXX it showed it had been reallocated. Ally informed me I owe them XXXX. Since I never took screenshots of what the app was showing they wont look into it. I never took screenshots because its my account and I assumed it was all traceable. Then I found out paperwork was still not sent to gap. When I called today they said its timestapped and they sent it and Id have to contact gap to see how to get it to them. I explained again XXXX cant talk to a person. So they have sent a request again saying I need to call back in 2 days. But they have sent the amount to collections. I have no idea what to do but I made numerous calls and sent numerous messages letting them know gap needed it. My dad took XXXX out of his retirement so we could pay the rest. And now they say since I didnt screenshot it its 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 2026-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I received tax exemption this year. I was calling the mortgage company to find out how I can get this added to my loan. The people at Carrington were very rude and when I inquired about my escrow they didn't give me any answers. It took XXXX minutes for me to even be able to actually get someone on the phone and when I did she was rude. Im inquiring about the money thats already in my escrow, what will happen to this. She keeps telling me it depends on the date. As Im trying to tell her the date, shes talking over not letting me finish. She talked as if I was stupid for inquiring about MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and inaccurate. I previously sent a copy of the late payment issue to the CEO, but I received no response. Additionally, I spoke with a customer service representative who informed me that there was nothing they could do to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Schrier, Tolin and Wagman, LLC
State: MD

Complaint narrative:
I am reporting a massive consumer fraud and debt collection violation involving a collection law firm knowingly executing legal collections for an unlicensed, unbonded, and unauthorized auto dealership setup.1. The Unlicensed Creditors/CollectorsXXXX XXXX XXXX XXXX ( XXXX ID : XXXX ) : This entity has been completely unauthorized to do business in Maryland since XX/XX/XXXX. Its XXXX license is officially expired.XXXX of XXXX, XXXX : This entity 's corporate Traders License has been completely delinquent since XXXX. It possesses no Motor Vehicle Administration ( MVA ) dealers license and is entirely unbonded.The Operation : Together, these two entities operate an illegal car dealership business, generating consumer contracts with zero legal standing or mandatory state surety bond protections.2. The Law Firms Knowing ViolationsSchrier, Tolin, and Wagman, LLC ( XXXX ID : XXXX ) : This law firm acts as the third-party debt collector and legal agent for these illegal businesses.Prior Knowledge : The firm has actual, documented knowledge of their clients ' unlicensed status. The attorney has recently actively filed a motion to continue to do business on their behalf. " Systemic Illegal Posturing : Despite knowing their clients are legally unauthorized to conduct business or collect consumer funds, this law firm has flooded the state court system, illegally filing hundreds of consumer liens and lawsuits.3. Federal FDCPA & State ViolationsMisrepresentation : Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e, it is a federal violation to misrepresent the legal status or collectability of a debt. Because the underlying entities are unlicensed and unbonded, the legally collectable amount is $ 0.00.Unfair Practices : Demanding money and filing legal documents on behalf of an unauthorized, expired auto business violates FDCPA 1692f. Also Under Maryland law, a debt collector is strictly prohibited from claiming, attempting, or threatening to enforce a right with knowledge that the right does not exist. XXXX XXXX XXXX and XXXX XXXX XXXX lack active business, trader, or MVA licenses, they have no legal right to conduct business or collect consumer money in Maryland. By representing an unlicensed company 's case in a Maryland court, Schrier, Tolin, and Wagman, LLC is attempting to enforce a right that does not legally exist, which is a direct violation of this law.The Maryland Attorney General 's Consumer Protection Division has already escalated this operation to the Maryland Commissioner of Financial Regulation under Case No. XXXX. I request that the CFPB investigate Schrier, Tolin, and Wagman, LLC for its pattern of using legal machinery to validate an unbonded, unlicensed consumer operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Friday XX/XX/XXXX I tried using my Bank of America XXXX XXXX credit card online but the purchase was rejected. So I then had to use a different credit card. But later that night I tried logging into my online account with Bank of America where I also have several personal checking accounts, but I was unable to login. They said they need to send a telephone access code to my XXXX phone number on file, which is my work phone, which I did not have access to at the time. So today on Monday XX/XX/XXXX I called them while I had access to both my personal phone number and my work phone number. I told them that they could send a code to either phone, but I received no code, and the representative just told me to call back later with the requested information and hung up on me. I have tried several times to gain access to my account, but Bank of America is not letting me. Please help.

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
XX/XX/XXXX had a balance XXXX XX/XX/XXXX a charge if XXXX balance XXXX XX/XX/XXXX banking fee XXXX balance XXXX XX/XX/XXXX XXXX XXXX charge XXXX balance XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX balance XXXX All I wanted to know is what justified the {$25.00} charge and they said my balance fell to XXXX which is not shown anywhere on my statement. Some vey inconsistent statement from the actual numbers on paper and they refused to correct the situation. Not to mention theres been a pattern of similar transactions like this in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: GOLDMAN SACHS BANK USA
State: ME

Complaint narrative:
My wife got scammed by some XXXX ad campaigns. While trying to sort this out, we disputed a number of transactions that we could not identify ; the merchant info on the statements was obfuscated and unrecognizable, and searching through my wifes emails we were unable to locate receipts for these amounts. Goldman upheld the transactions as authorized and has refused to provide further information for security reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: MD

Complaint narrative:
On XX/XX/year>, I reported a return dispute to Klarna regarding merchandise purchased from XXXX XXXX XXXX using Klarna financing. Klarna acknowledged the reported return and requested additional information to verify the return with the merchant. XXXX XXXX previously confirmed receipt and processing of my returned items and issued a refund totaling approximately {$1600.00} for XXXX # XXXX. However, Klarna only credited my account for {$1400.00} and continues to show a remaining balance of {$320.00} plus interest charges. On XX/XX/year>, I submitted additional supporting documentation to Klarna, including the merchant refund confirmation and screenshots showing the remaining disputed balance. Despite providing documentation and cooperating with the dispute process, Klarna has failed to properly reconcile the account and continues to hold me responsible for a balance that appears inaccurate. I am requesting : A full investigation and reconciliation of the account, Removal or correction of the disputed balance, Reversal of any related interest or fees, Written clarification explaining the discrepancy between the merchant refund and XXXX credited amount, XXXX that no negative credit reporting or collections activity will occur related to this disputed balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I was notified that an account was opened on XX/XX/year> for SYNCB/AMAZON XXXX I did not open this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Majority USA, LLC

Complaint narrative:
On XX/XX/year>, I made a purchase of {$41.00} from an online store ( XXXX XXXXXXXX XXXX ) using my Majority prepaid card. I never received the product. I filed a chargeback under Reason Code XXXX.1 ( Product Not Received ) on XX/XX/year>. Majority ruled in favor of the merchant despite the following evidence : 1 ) The tracking number XXXX was never scanned by any carrier and still shows Awaiting information 4 months later, proving the package was never physically shipped. 2 ) Majoritys own support agent confirmed the merchants document contains no proof of delivery. 3 ) Multiple other customers report the same scam on the stores XXXX page. The merchant only proved they generated a shipping label, not that they shipped or delivered anything. Majority considers this decision final despite no proof of delivery existing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> To : XXXX Subject XXXX Request for Debt Validation Under FDCPA Dear Sir or Madam, I am writing regarding the alleged account your company is reporting and/or attempting to collect. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. I dispute the validity of this account and request that you provide the following : 1. The name and address of the original creditor 2. The original account number 3. A complete itemization of the alleged balance 4. Copies of any signed agreements or contracts bearing my signature 5. Proof that your company has legal authority to collect this debt 6. Documentation showing chain of assignment or transfer of ownership 7. Proof that the debt is within the applicable statute of limitations Under 15 U.S.C. 1692e, a debt collector may not use false, deceptive, or misleading representations in connection with collection activity. Reporting inaccurate or unverifiable information to consumer reporting agencies may constitute a violation of federal law. Until proper validation is provided, you must cease collection activity and cease reporting this account pursuant to 15 U.S.C. 1692g ( b ). If you can not provide competent evidence validating this debt, I demand immediate deletion of all references to this account from all consumer reporting agencies. Please note that this correspondence is not an acknowledgment of liability, nor permission to restart any statute of limitations period. I request all future communications be made in writing only. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal dispute regarding the XXXX account reporting on my credit file. I believe I was subjected to predatory lending practices by XXXX, and the account information currently being furnished to Experian, XXXX, and Equifax is inaccurate, misleading, incomplete, and unverifiabl

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 2026-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am the beneficiary of a court-ordered, restricted minor depository account originally established at XXXX XXXX XXXX XXXX ( subsequently XXXX, now Wells Fargo ) pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I possess an official XXXX XXXX legacy account summary demonstrating that savings account number XXXX was held for me under court restrictions. I also possess an official court-stamped document titled " Acceptance of Designation as Depository and Receipt of Assets, '' signed by a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, certifying that the bank held a verified balance of exactly {$17000.00} under strict statutory court restrictions ( Florida Statute Section 69.031 ). I reached the legal age of majority on XX/XX/XXXX. The probate court terminated its administrative proceedings on XX/XX/XXXX, noting that the assets remained in the restricted depository and no action had been taken to release them to me. A search of the Florida Bureau of Unclaimed Property database confirms the bank never escheated these specific funds to the state under my name. Because this account was subject to a strict court hold, no unauthorized withdrawals could legally occur without a judge 's signed order, which does not exist on the court docket. I am requesting that Wells Fargo 's specialized legal and legacy accounts division use the provided account number ( XXXX ) to locate these funds in their deep archives and provide immediate instructions on how they will be released to 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 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is what i sent to my bank : Dear Wells Fargo XXXX XXXX XXXX, I hope this message finds you well. Im writing to request your assistance in unlocking my XXXX account, which has been frozen since XX/XX/XXXX. On that date, my younger brother asked me to allow his friend to send {$70.00} to my account for his use. Unfortunately, a few days later, his friend disputed the transaction as fraudulent, which resulted in my account being suspended and my number on the ban list XXXX. No one reached out to me to verify this transaction. I did not know how to address this at the time which has caused a big headache over the years not being able to use my personalXX/XX/XXXX for important transactions. Ive learned from this experience and understand that my account is solely for my personal use, and I will ensure that no one else uses it going forward. I truly appreciate your assistance in resolving this matter and helping me regain access to my XXXX account and restore or remove my personal cell from the ban list. Thank you for your time and support. Sincerely, XXXX XXXX I've called back several time, both customer service department and fraudulent department refuses to unlock my XX/XX/XXXX account. It is unfair and unjustified as I did nothing in this situation. Im only guilty of letting my family use myXX/XX/XXXX account for personal reasons. No one reached out to me to verify the accuracy or to determine that my brother friend lied. No one gave me the option to counter or take action against this friend at that time. Now Wells Fargo refuses to help me unlock my personalXX/XX/XXXX using my phone number or emails. I've called XXXX and had them speak on my behalf on XX/XX/XXXX but still no luck.

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 2026-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX, was rushed to the hospital via XXXX, because I thought he was having another XXXX. XXXX has denied the claim. We appealed. Now repeated texts are coming for him on my cell phone and the amound due keeps changing. We tried to call and couldn't get anywhere or get information on it. XXXX ( daughter ) and XXXX ( both )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> To : XXXX Subject XXXX Request for Debt Validation Under FDCPA Dear Sir or Madam, I am writing regarding the alleged account your company is reporting and/or attempting to collect. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. I dispute the validity of this account and request that you provide the following : 1. The name and address of the original creditor 2. The original account number 3. A complete itemization of the alleged balance 4. Copies of any signed agreements or contracts bearing my signature 5. Proof that your company has legal authority to collect this debt 6. Documentation showing chain of assignment or transfer of ownership 7. Proof that the debt is within the applicable statute of limitations Under 15 U.S.C. 1692e, a debt collector may not use false, deceptive, or misleading representations in connection with collection activity. Reporting inaccurate or unverifiable information to consumer reporting agencies may constitute a violation of federal law. Until proper validation is provided, you must cease collection activity and cease reporting this account pursuant to 15 U.S.C. 1692g ( b ). If you can not provide competent evidence validating this debt, I demand immediate deletion of all references to this account from all consumer reporting agencies. Please note that this correspondence is not an acknowledgment of liability, nor permission to restart any statute of limitations period. I request all future communications be made in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief