vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nair & Levin, P.C.
State: CT

Complaint narrative:
To Whom It XXXX Concern, I am writing in response to your notice regarding an alleged debt from XXXX XXXX. I dispute the validity of this debt. If applicable : I had insurance coverage at the time of service. Please reprocess this claim through my insurer. Until you provide proper validation, I request that collection efforts cease. Sincerely, 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 explanation
Consumer complaint received 2026-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint against a debt collection agency XXXX XXXX XXXX XXXX ) attempting to collect a debt that is not mine. The agency claims I owe approximately {$26000.00} related to a Citibank credit card account. However, I have never opened, used, or authorized any such account. I contacted Citibank directly, and they confirmed that there is no account under my name or Social Security number. Despite this, the collection agency continues to attempt to collect this alleged debt and has provided insufficient validation. The documents sent only show a balance summary and do not include any signed agreement, application, or proof that I am responsible for the account. This appears to be a case of mistaken identity or improper debt collection practices. I am requesting that : The collection agency immediately cease all collection activity Any record of this alleged debt be removed from my name The agency provide proof of the origin of this error I believe this conduct may violate the Fair Debt Collection Practices Act ( FDCPA ). I request a full investigation into this matter.

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 2026-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I FOUND AN AUTO LOAN ACCOUNT OPENED IN MY NAME WITH XXXX XXXX XXXX THAT I DID NIT AUTHORIZE.I NEVER APPLIED FOR THIS LOAN, SIGNED ANY DOCUMENTS, OR RECEIVED ANY VEHICLE.I BELIEVE THIS ACCOUNT WAS OPENED FRAUDULENTLY USING MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE OR CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BIYING Inc
State: CA

Complaint narrative:
On XX/XX/year> I was told to fill out XXXX XXXX manual form due to losing access to email associated with account. After many emails I have had no access to my account nor funds. It is now XX/XX/year>. No reply except XXXXXXXX XXXX XXXX No assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Meritize Financial Inc.
State: FL

Complaint narrative:
This is a follow-up complaint regarding a previously filed CFPB case. In the prior complaint, Meritize confirmed that, based on the schools review, I am due a refund. They stated that the school would process the withdrawal and refund, and that XXXX would update the loan within 3045 days. That timeframe has now passed, and no refund has been issued. No adjustment has been made to my loan balance, and I have not received any meaningful update. This issue has been ongoing since XX/XX/year>, when I first formally requested a refund. On XX/XX/year>, the school confirmed the refund process had started and that payments would begin within 30 days, which never occurred. In XX/XX/year>, I was again offered a refund option and selected it. After that, the school stopped responding. Despite multiple confirmations that I am owed a refund, no action has been taken. Additionally, interest continues to accrue on funds that were not properly used for training, and I have never received a detailed accounting of how the loan funds were applied. I am requesting : 1. Immediate processing of the refund 2. Adjustment of my loan balance 3. Review and correction of interest accrued during the delay 4. A full accounting of funds used versus refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: OR

Complaint narrative:
My servicer M & T Bank XXXX XXXX, New York I make monthly payments to and the actual mortgage holder XXXX in XXXX, Texas records don't match up. I sent letters to both and on the phone notice of error that I have made monthly payments i showed XXXX, XX/XX/XXXX payments 1 was for XXXX and 2nd XXXX payment was for XXXX, XXXX payment made and XXXX and XXXX payments all made and in XXXX I will continue to pay my monthly that I have been paying on my fixed mortgage and always paying escrow shortages on top. I spoke with Fha Hud counselor too in XX/XX/XXXX. XXXX say I will owe starting XX/XX/XXXX {$1300.00}. They didn't account for me making my total {$860.00} every month and in XXXX XXXX made 1 at beginning and 1 at end OF XXXX for my XXXX payment they said I missed. I can only pay {$860.00} every month being on XXXX XXXX I asked them to correct their records they put me in stress for asking for loan modification that they denied. I have a puppy and I am a senior and don't want to lose my home. I have been since XXXX. Please help. Thank you. They can get the correct from bank where it is sent from every month.

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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Issue : Poor customer service, inability to access account information, and being hung up on by a representative. XX/XX/year> I attempted to make a large purchase on XXXX using my Chase XXXX XXXX credit card and was prompted to verify my full card number. I did not have the physical card available, so I attempted to access my account through XXXX. The login process from XXXX to Chase requires multiple steps, redirects, and verification codes. Once logged in this way, my full account number was not visible, only the last four digits were shown. I contacted customer service for assistance. On the first call, the representative repeatedly insisted the full number was visible and directed me to areas where it was not. Despite explaining multiple times that the number was masked, I was spoken to in a dismissive manner. I ended the call when it became clear I would not receive help. I called again and experienced similar behavior. The second representative provided the same incorrect guidance, did not listen, and was condescending. At no point did either representative ask whether I was accessing my account through XXXX or directly through Chase, which turned out to be the key issue. When I asked to be transferred to a customer survey, the call was abruptly terminated. This did not appear to be an accidental disconnection. After the call, I logged in directly through Chase instead of through XXXX, and my full account information was immediately visible. This issue could have been resolved quickly if either representative had asked that basic question. Because of this experience, I did not use the card for my purchase and used another payment method instead. This reflects a failure in customer service, training, and professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I have never had account with waypoint which is XXXX I have never had account this was identity theft. I have no knowledge of 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 explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Home Loan Center, Inc.
State: GA

Complaint narrative:
I received a text at XXXX, with an image of loan amounts, monthly installments, number of installments, type of installments, total interest and total payback, by the lender XXXX XXXX and below it, it said Loan Approval Code : XXXX, Reply with " YES '' along with the last XXXX digits of your SSN., Same Day Loan Disbursement., Loan Officer : XXXX XXXX, Direct Line XXXX XXXX XXXX ( XXXX ) XXXX. It appeared to be legit because the image had the exact logo of Consumer Finical Protection Bureau. I then got a call at XXXX after I had ignored the message. I ended up checking the message and I replied Yes He then said Thank you for showing interest in getting this loan so for more details call us back on XXXX ( XXXX ) XXXX Look for loan officer XXXX XXXX My call failed. This was all suspicious but I didnt question it. I called back and he was asking for my bank info. I did share my routing and account number during the call. I even sent my XXXX XXXX log in credentials via text. He also sent me screenshots that he got the information. He then asked for my ID, from and back and I sent those over via text. He asked for my debit but that had been lost for a few months now so I suggested we use my XXXX debit card but I didnt give him my debit card information. He sent me {$410.00}, to purchase an XXXX gift card at XXXX. I sent a picture of the gift card along with the receipt. He told me to scratch off the card and send him a picture after I have done that. He said it was too late to process the loan, the bank was closed. Moving into Saturday, he sent me a message Very good morning This is your loan XXXX XXXX XXXX. Call me back as soon as possible I woke up around XXXX, to go back to XXXX XXXX He sent me {$200.00}, to purchase another XXXX gift card with my XXXX debit card. He asked to see the screenshot of the deposit, from my XXXX account. I had been transferring the deposits he sent to my XXXX XXXX bank to my XXXX account. Same process. I sent him the image of the gift card and receipt. He kept telling me to not do anything with the gift cards and to keep them safe. He said I was going to receive the funds within XXXX hours. After XXXX hours had gone by, I texted him at XXXX it hasnt arrived yet and he stopped replying. I thought lenders dont operate on weekends so I left it alone. Its Monday now and I said Hello via text. He blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Company calls 6 to 7 das a week 3 to 4 times per day, they have not provided me with any informaton regarding the debit as far as how much and what it is for in writing. The name of the company is ; XXXX, Phone number ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, the first number is the more recent contact number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The loan was from XXXX XXXX agent XXXX XXXX for XXXX @ XXXX payments of XXXX to be deposited in my checking account.XXXX XXXX took my XXXX XXXX and account # well there was XXXX deposits totaling XXXX. I never saw the checks nor did I sign them they were mobile deposits done on XX/XX/year> the XXXX XXXX was in pending statues so I could not see the deposited checks. after i had withdraw the money from my account I receive XXXX text messages from XXXX XXXX the loan agent telling me to go to XXXX and put that money on a card and return it. I called bmo bank to have a freeze put on the account that froze me out as while I eXplained what happened. Now I still haven't seen the XXXX check deposit untill received a copy on XX/XX/year> saying the check were altered they was from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX i didnt sign those check the bmo bank does have my signuture on file.I 'm getting text messages telling I should had done what they told me and put the money on a XXXX card this was from XXXX XXXX and another guy named XXXX XXXX both XXXX XXXX XXXX and XXXX XXXX bmo bank will not do anything about the loan fraud! They are holding me responsible, they haven't even looked into my complaint from XXXX! I only receive my ssa benefits I and no other income I have been scamed and bmo bank is not doing anything i do have all the text message from XXXX XXXX and XXXX XXXX as well as the loan agrementabout i ina email. Additional information provided by consumer : XXXX Consumer wants this complaint to be sent to BMO BANK.

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 2026-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I asked for a loan through action housing. First the loan XXXX was unprofessional about the XXXX way call. I asked her numerous times to transfer my case if she was unfamiliar with my type of application. The whole process became confusing. Even to my realtor. I complained about this and asked more than once for a new loan XXXX. Today. That same loan XXXX XXXX said she got that I have been complaining about her handling of my application and dropped my loan application with no information about who she transfer my case to. Who to call. Nothing! This is very unprofessional!!! Additional information provided by consumer : XXXX XXXX called in about his complaint he provided the information we needed to submit the complaint. Address : XXXX XXXX XXXX XXXX XXXX PA XXXX. Phone : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMA Advisors, LLC.
State: NY

Complaint narrative:
In XXXX of XXXX a fiduciary, XXXX XXXX of XXXX XXXX XXXXXXXX in Arizona, arranged a mortgage on my behalf from Homebridge Financial, in the amount of {$100000.00}, against my XXXX property in XXXX XXXX XXXX NY. The funds were deposited in the fiduciarys account, he refused to transfer the funds to me, and he defaulted on the loan payments after XX/XX/year>. I was unaware that the loan was in default, Homebridge made no attempt to contact me either by mail, email, or telephone until XX/XX/XXXX, when a process server served legal documentsdated and filed XX/XX/XXXX at NY State Supreme Court in XXXX, XXXX the apartment where I live in XXXX, XXXX. I contacted the attorney/collection agency for Homebridge Financial , XXXX XXXX XXXX XXXX XXXX XXXX, NY ( XXXX ) to try to make this right, the amount they say I owe has increased exponentially and suspiciously within just one week, and today a Homebridge representative named XXXX XXXX ( XXXX ) called me on the phone with the outrageous threat that the auction date for the property is set, which is not legally possible, when in fact the State Supreme Court date is not even set yet.First I was defrauded by XXXX XXXX XXXX Arizona, and now the actions of Homebridge Financial are ethically questionable and fraudulent. Homebridge Financial should reveal the account into which they deposited the loan funds, I never received them. Additional information provided by consumer : XXXX Consumer wants the company the complaint needs to be sent to updated to : Homebridge Financial Services, INC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am disputing a collection account related to my former electricity service with XXXX XXXX XXXX. I consistently paid all billed electricity charges on time throughout the life of the account. After cancelling service, I received a final bill containing Balance Due from Billing Plan charges totaling approximately {$540.00}. I never knowingly enrolled in, signed up for, or authorized any billing, budget billing, or average billing plan that would create deferred or retroactive charges upon cancellation. On or around XX/XX/year>, I formally disputed these charges in writing and requested : * Proof of enrollment in any billing plan * The date and method of authorization * The contract language allowing post-cancellation reconciliation charges XXXX XXXX XXXX acknowledged receipt of my dispute and stated they would provide supporting documentation after verification. I provided the requested verification information. However, I never received any documentation proving my enrollment, authorization, or agreement to these charges. Despite the unresolved dispute and lack of validation, the account was later placed with Credit Systems International for collection. The collection account was subsequently reported to the credit bureaus. As a result, mXXXX XXXX credit score dropped approximately XXXX points. I believe the companies reported disputed information without conducting a proper investigation or providing adequate validation of the debt. I am requesting : * A full investigation into the disputed charges * Validation and proof of authorization for the alleged billing plan * Removal of inaccurate or unsupported collection reporting from all credit bureaus * Correction of my credit reporting records I have supporting documentation, including my dispute emails, acknowledgment responses, collection notices, and evidence of the negative credit reporting impact. I asked them to show me the documents as proof that I owe them money, and they told me they did not receive the documents yet, leading me to think they did not conduct an investigation at all, but still reported this on my credit report. They have still not received the documents from the utility company as of XX/XX/year>. Additional information provided by consumer : XXXX Consumer would like the complaint to be sent to Credit Systems International. This is the debt collector that is contacting the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
Someone claiming to be a representative of XXXX transferred money from my XXXX XXXX XXXX XXXX account to my Chime account then transferred money to a XXXX XXXX using Chime 's transfer portal. I called them & let them know that was an account being used for fraud/scam & ask them to transfer my money back into my account. I was told because it was a transfer using their transfer anywhere portal, they're unable to get my money back. The fraud department did NOTHING & I kept being transferred between the fraud dept & member services!! A police report has been filed, I've reported the XXXX XXXX account as a fraud account in Chime 's banking app, I've filed a fraud report with the FTC who suggested reporting Chime to the CFPB due to their negligence in helping me get my money back. When I asked if my funds were insured through them when this time of stuff happens, the Rep replied, not when it's a money transfer!! They claim to have recorded all conversations, they need to provide those conversations to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX charged my business account an incorrect amount XXXX that was NOT associated with any of the other XXXX correct charges. I explained this to boa support in my dispute. they reversed the amount a month later that they gave me as credit and closed dispute. wheni called to ask XXXX 's reply they XXXX XXXX said charge was correct. i explained there was NO RESTAURANT or valid charge associated and to reopen the dispute and also recredit me. XXXX XXXX Arkansas tol dme she didnt know how to help. hence this complaint.

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation