vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: SOUTH COUNTRY CAPITAL MANAGEMENT, LLC
State: GA

Complaint narrative:
I obtained a XXXX loan from this lender using my XXXX as collateral. After experiencing XXXX XXXX, I contacted the lender to discuss making partial payments or alternative arrangements to avoid repossession. 

Despite my efforts to communicate and make payment arrangements, the lender refused to accept reasonable payments and instead escalated the matter aggressively. I was informed that failure to pay would result in severe consequences, including actions that appeared to involve misuse of criminal process for what is a civil debt. 

I believe the lender is engaging in abusive and coercive collection practices by refusing good-faith payments, applying pressure unrelated to lawful repossession procedures, and attempting to collect the debt through intimidation rather than lawful civil remedies. 

This conduct has caused significant stress and has interfered with my ability to resolve the matter responsibly, including exploring XXXX options. I am requesting CFPB review of this lenders servicing and collection practices related to this XXXX loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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:
Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX email : XXXX Phone : XXXX Financial Institution : Wells Fargo Bank , N.A . 
Account Type : Checking Account : XXXX Claim Number : XXXX Reference Number : XXXX Complaint Description : I am submitting this complaint regarding Wells Fargos denial of my dispute for a XXXX XXXX transaction in the amount of {$2700.00}, dated XX/XX/year>, for an XXXX tablet that I never received. 

I placed the order using my correct address on file : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 

The merchant shipped the item via XXXX XXXXXXXX delivery records show the package was marked as delivered on XX/XX/year> ; however, the delivery address listed by XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is not my address. I do not reside at or have access to that location. 

Additionally, XXXX shows a signature on file under the name XXXX, which is not my name and not associated with this purchase. 

Despite providing documentation showing delivery to an incorrect address and a signature from an unknown individual, Wells Fargo denied my claim and advised me to resolve the issue with the merchant. The merchant and XXXX have both declined responsibility, leaving me without the merchandise and without a refund. 

This dispute involves non-receipt due to XXXX misdelivery, not customer error. I fulfilled my obligation by providing the correct delivery address at checkout. 

Requested Resolution : I am requesting that Wells Fargo reopen my claim and issue a credit for {$2700.00} based on the documented evidence of misdelivery and non-receipt. 

Thank you for your assistance. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I currently have loan with XXXX XXXXXXXX ( Lakeview ). This loan was transferred to Lakeview. The team approached for refinance since the interest rate was came down to more than 1 % of what I was with XXXX with 0 % of closing costs. Later I realized the closing cost been added to my loan amount. My outstanding loan amount was XXXX and the new loan is around XXXX Also I didn't take the loan ask for Appraisal I paid {$700.00} and the Lakeview didn't transfer my appraisal.

Also the team took 3 months to take a decision.

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 2026-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
XX/XX/year> amount XXXX I tried to make a payment arrangement or reduce amount if I paid today .. representative was very rude started yelling at me told me to pay full amount used foul language I asked for a supervisor she hung up on me I called back twice and asked for a supervisor and they would just connect me back to her and she would would start yelling..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Today I made a XXXX extra payment on my credit card and since I had already made 2 other payments out of my same bank account using my debit card, they sent me a text message saying they are putting a restriction on my account till I called to ask some clarifying questions. I spoke to 4 or 5 representative that wanted to call my bank over a XXXX payment good XXXX. I told them know there is no valid reason to call my bank over a debit card payment. I asked to speak to a Supervisor and they refused and stated they needed once again to call my bank. No, no you don't and I was not so friendly. I told them if they can't unlock my account then close it, they said they can't do that either. I work for one of the largest banks in the USA and this process they have is unacceptable. If it was XXXX  of dollars payment I get that but it's not it a XXXX extra payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
am disputing several collection/chargeoff accounts that do not belong to me and appear to be the result of identity theft or mistaken identity. The accounts are : XXXX XXXX XXXX credit card reported around XX/XX/year> for about {$960.00} ( limit {$600.00}, past due {$960.00} ) ; Jefferson Capital LLC debtbuyer account reported around XX/XX/year> for about {$110.00} ; XXXX XXXX debtbuyer account reported around XX/XX/year> for about {$440.00} ; and a second XXXX XXXX debtbuyer account reported around XX/XX/year> for about {$760.00}. I never applied for, opened, authorized, or used any of these accounts, nor did I authorize any sale or transfer of a valid debt to these thirdparty companies. The personal information on these tradelines does not fully match my correct identifying information or address history. On XX/XX/year> I realized my information may have been used without permission and an identitytheft report was taken at the XXXX Police XXXX by XXXX XXXX XXXX, badge # XXXX, under report number XXXX. I am requesting that these companies be required to provide full documentation proving I am responsible for these debts, and that any account that can not be verified as mine be removed from all of my credit reports and all related collection activity and negative reporting stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank ( USA ), N.A. is reporting a charged-off account inaccurately and failed to conduct a reasonable investigation after receiving notice of dispute. 

I disputed this account due to inaccurate balance reporting and continued monthly reporting after the account was charged off. Capital One verified the account without providing documentation such as the original signed agreement, a complete payment history, or an explanation supporting the continued postcharge-off reporting.

This constitutes a violation of the Fair Credit Reporting Act 623 ( a ) ( 1 ) ( A ), which requires furnishers to report information with maximum possible accuracy, and 623 ( b ), which requires a reasonable investigation upon notice of dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: MI

Complaint narrative:
I have been a Skrill customer for approximately XXXX years. Skrill is currently holding approximately {$550.00} of my funds and will not release them despite my full compliance with verification requests, which has started on XX/XX/year> and continues today. 

I have submitted government-issued photo ID, images of my debit card, bank statements, and screenshots from my bank app confirming that the debit card is active and issued in my name. I have made XXXX different attempts to try and give them all of the information that I have available to prove that the card on my account, is owned by me. 

Skrill has been asking for a statement that shows the last XXXX digits of my debit card, to confirm that it is mine. No checking account I have ever had shows the debit card, only the checking account number. Now Skrill is demanding a card authorization form for my debit card, but my bank ( XXXX ) has confirmed that it does not issue card authorization forms, which is common for XXXXXXXX XXXX. I informed Skrill of this and provided all reasonable alternative documentation demonstrating card ownership.

Skrill continues to reject my submissions without offering a viable alternative verification method or a clear explanation for the continued hold of my funds, and they repeatedly tell me to log into the app to see an update on my case, but my account is restricted and I am unable to even log in besides seeing a generic landing page, which they know. 

I believe Skrill is unreasonably delaying access to my verified funds and is failing to provide a practical means to complete verification. I also wonder how many people they have done this to over the years who have just given up in trying to recoup their rightful funds, to where Skrill just walks away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC System Inc. Collection account was listed on my credit report XX/XX/XXXX for an XXXX XXXX XXXX XXXXXXXX account opened XX/XX/XXXX. I did not authorize an internet account to be opened with XXXX XXXX XXXX with my information XX/XX/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 2026-02-03 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
b'XXXX XXXX authorized a $400 payment against my personal debit card to an unknown individual in the Dominican Republic on 12/08/25.  I noticed the pending charge on my Navy Federal account and filed a fraud claim with NF.  XXXX XXXX opened a fraud case XXXX XXXX and stated the sender was my spouse and NF processed the payment.  My spouse has been deceased for XXXX XXXX years and I do not know anyone in the Dominican Republic.  The account in question is a new account created after my spouse passed away so he never had any authorization to use this account if that were even an issue.  I tried to argue the claim with NF but they will not refund me the money.  I tried to argue the claim with XXXX but they will not refund me the money. I have tried to speak with management for further documentation and cannot get past their entry level people.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My vehicle securing this auto loan was declared a total loss on XX/XX/year>. XXXX issued payment on XX/XX/year>. Despite this, XXXX XXXX continued to treat the account as an active installment loan with a monthly payment of {$740.00} and has reported the account as up to 60 days past due with Experian , XXXX, and XXXX. 

Once a vehicle is declared a total loss, regular monthly billing should cease and the account should be properly coded. Reporting ongoing monthly payments and delinquency during and after a total-loss insurance settlement period is inaccurate and misleading. The delinquency being reported is directly tied to improper posttotal-loss billing and incorrect account status.

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 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Adler Wallach & Associates ( AWA COLLECTIONS ) for their continued reporting and collection of an invalid insurance-based debt that is inaccurate, misleading, and unsupported by any enforceable agreement. This matter involves an alleged balance related to a policy from XXXX XXXX XXXX XXXX XXXX  ( XXXX ), which AWA has incorrectly referred to as XXXX in their credit reporting and initial notices. 

AWA initially stated that if I could provide proof of insurance coverage in place before the cancellation date of the XXXX policy ( XX/XX/XXXX ), the balance would be reconsidered. I complied fully with that request and submitted a valid Declarations Page from XXXX XXXX showing active coverage beginning XX/XX/XXXX, for the same insured vehicle. Despite this, AWA did not dismiss or withdraw the account. Instead, they reduced the balance and introduced a new justification for continued collection, claiming a remaining amount was owed for earned premium from a prior period ( XXXX to XX/XX/XXXX ). This was never mentioned in their original response and appears to be a retroactive change in position. 

AWA has failed to provide any signed agreement, itemized billing, or verification that I owed any amount to XXXX. Furthermore, I never entered into a contract with XXXX. The documents they provided identify XXXX as the creditor, yet their reporting and communications name XXXX. These are separate legal entities, and no valid chain of assignment or authorization has been provided to prove that AWA or XXXX has standing to collect this alleged balance. 

This matter involves no extension of credit and does not meet the definition of a consumer credit obligation under the Truth in Lending Act. It is a disputed insurance billing issue, not a reportable collection tradeline. By furnishing this information to credit bureaus as a delinquent consumer debt, AWA is materially misrepresenting the nature of the obligation in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681s-2 ( a ). Their failure to validate the debt and their shifting justification also violate the Fair Debt Collection Practices Act ( FDCPA ), including 1692e and 1692g.

I respectfully request that the CFPB investigate AWA COLLECTIONS, hold them accountable for furnishing inaccurate and misleading information, and require them to permanently delete this collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Army and Air Force Exchange Service
State: IL

Complaint narrative:
Product : Credit Card Company : XXXX XXXX XXXX ( XXXX/ Military Star ) The Dispute Details I am filing this complaint against the XXXX XXXX XXXX for their failure to properly investigate and resolve a case of identity theft and coerced debt resulting from a domestic abuse situation. 
Timeline of Events : XX/XX/XXXX : I fled a domestic abuse situation and was physically removed from the residence. I had XXXX access to my personal documents, financial records, or digital accounts from this date until XXXX. 
XXXX : During my displacement, unauthorized online transactions and account changes were made to my Military Star Card ( Account ending in XXXX XXXX XXXX 
XXXX : I discovered a balance of approximately {$7600.00} in XXXX once I was safe and began the process of reclaiming my identity. 
Evidence of Fraud vs. Creditor Claims : The creditor recently denied my dispute, citing that an online profile and email address were used. However, their own records confirm the fraud : Unauthorized Access : The creditor 's records show a bank profile was added in my spouse 's name in XXXX. I was not living in the home or in contact with the spouse at that time. 
XXXX XXXX : During the dates of the largest transactions, I was receiving medical treatment for injuries related to the abuse. I was physically and mentally unable to authorize these purchases. 
Address Discrepancy : Charges were tied to an unauthorized billing address ( XXXX XXXX XXXX XXXX, XXXX, IL ) that I did not authorize. 
Consistency of Theft : Every other financial institution has reviewed my police and FTC identity theft reports and cleared the fraudulent activity ; Military Star is the only institution refusing to acknowledge the documented XXXX  and lack of access. 
Requested Resolution : I request that XXXX XXXX XXXX XXXX conduct a manual review of the XXXX bank profile link ( showing the spouse 's name ), acknowledge the police and FTC reports provided, and remove the {$7600.00} fraudulent balance and any associated negative credit reporting.

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 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
After being redirected twice by debt collectors reporting negative information on my credit report, I was finally able to determine who owned the reported debt attached to my name This originally began as a secured credit card with a {$200.00} security deposit which the bank seized when the account was charged off.

The debt attempting to be collected is in the amount of {$230.00}. My position is that {$200.00} of this amount has been recovered by the bank and is not owed, leaving an outstanding balance of {$38.00}.

I made a good faith offer of {$50.00} thru email to the debt collector which was ignored, instead, the debt collector emailed a response to ask to speak to me on the phone.

I responded that I prefer to correspond thru email and would nort speak to anyone on the phone. The debt collector responded by saying that any future communications regarding my inquiry would be sent via US mail.

I reminded them that I prefer to be contacted by email and any communications received thru the US mail will be discarded. 

I received a final email from the debt collector saying that they were unable to send correspondence via email and future communications would be sent via US mail. 

My final email to the debt collector was simply to say " Do not contact me again. '' Today I received a letter stating that XXXX XXXX XXXX is trying to collect a debt that I owe to LVNV Funding LLC. 

LVNV Funding LLC initally refered me to Resurgent Capital Services. It seems that these three debt collection companies are playing some sort of game with me by sending a letter under a different company name that the one I told to not contact me again, somehow making it " XXXX  '' to continue sending me letters. 

It is not XXXX LVNV is the reporting debt collector on my credit report.

My question is ; Why are there three different companies attempting to collect the same debt, and why are they going against my wishes to no be contacted further in this pursuit. Screenshots of all emails can be provided at your request. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
It was for 2 accounts XXXX XXXX  and XXXX pro shop. They had 60 days to provide me on writing proof this was indeed my debt Instead they just send the bare minimum of information which made me question this company in the first place No proof of any contracts with me first party and them. Full charging history. We're there any insurance claims on this debt. 
I also asked for everything in writing, instead they send me a link. 
They had 60 days and now I want them to delete everything from credit beaur. Closed this 2 accounts send me a letter that they are closed. Then ceased and XXXX from contacting any more

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint regarding the charge-off of my private student loans serviced by Sallie Mae XXXX 

On XX/XX/year>, I made a payment intended to prevent default. Sallie Mae later stated that this payment was returned by my bank and that they were notified of the return on XX/XX/year>. 

On XX/XX/year>, Sallie Mae charged off my loans. However, I was not notified that my XX/XX/XXXX payment was rejected until XX/XX/year>, which was after the charge-off had already occurred. 

The Notice of XXXX to XXXX I received stated that the cure date of XX/XX/year> assumed payments posted successfully and noted that a loan may default if a payment is returned. However, I was not informed of the returned payment until after the charge-off, leaving me with no opportunity to cure the delinquency once I became aware of the rejection. 

I dispute whether this charge-off was properly timed and whether Sallie Maes handling of the returned payment and lack of timely notification was fair or accurate. I am requesting a full accounting of when Sallie Mae was notified of the returned payment, how and when notification to me was attempted, and a review of whether the charge-off and resulting credit reporting were appropriate under these circumstances. 

This matter significantly impacts both me and my co-signer, and I am requesting a thorough review and correction if errors are found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation