vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
Re : Dispute of Alleged Debt and Request for Validation Date : XX/XX/year> To : Ability Recovery Services I am writing regarding your attempts to collect an alleged debt that you claim I owe. I dispute this debt in its entirety. I have no knowledge of this alleged account, do not recognize it, and do not know why your company is contacting me or how you obtained my personal information. To the best of my knowledge, I have never had an account with Ability Recovery Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this alleged debt before making any further collection attempts. Please provide all documentation you have regarding this account, including but not limited to : - The name and address of the original creditor. - The account number associated with the alleged debt. - The amount allegedly owed, including an itemization of any interest, fees, or other charges. - Copies of any contracts, agreements, applications, or documents bearing my signature that establish I am legally responsible for this debt. - Documentation showing that Ability Recovery Services has the legal authority to collect this debt. - Documentation showing the chain of assignment or transfer of the alleged debt, if it has been sold or assigned. - The date the alleged debt was incurred and the date of the last payment, if applicable. Until you provide the requested validation, I request that you cease all collection efforts regarding this alleged debt. Additionally, if you have reported or intend to report this account to any consumer reporting agency, I request that you ensure any reporting complies with all applicable federal and Virginia laws. If this debt can not be validated, I request that you refrain from reporting it or, if it has already been reported, that you promptly notify the consumer reporting agencies that the account is disputed. Please communicate with me in writing regarding this matter. Other than providing the requested validation or any notices required by law, I request that you cease contacting me regarding this alleged account. This letter is not an acknowledgment of liability, nor is it a promise to pay. Nothing in this correspondence should be construed as an admission that I owe the alleged debt. 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 2026-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: LA

Complaint narrative:
Account Credit Control , LLC # XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX XXXX ' with receipt displaying my signature. If not, please delete this account as soon as possible from my report or I will have to take legal action.

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 2026-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
This is a follow-up to CFPB Complaint # XXXX. I am providing new IRS documentation that directly contradicts Credit Acceptance 's response. XXXX XXXX claims I declared $ XXXX income. My IRS Form XXXX Tax Transcript for XXXX the contract year verified by the Internal Revenue Service shows my actual net income was {$31000.00} annually, or $ XXXX {$980.00} LESS than what appears on the application. My documented income by year ( IRS verified ) : - XXXX : $ XXXX net - XXXX : $ XXXX net - XXXX : $ XXXX average, XXXX income XXXX XXXX due to caring for parents with XXXXXXXX XXXX and XXXX XXXX in XXXX Monthly payment of {$840.00} represented XXXX % of my real XXXX income rising to XXXX % + in XXXX. Credit Acceptance has not addressed the income discrepancy, has not offered to waive the deficiency balance, and has not confirmed credit reporting terms. I request CFPB require Credit Acceptance to : XXXX. Accept voluntary surrender of vehicle XXXX. Waive deficiency balance given predatory loan terms XXXX. Report account as Settled NOT as repossession XXXX. Cancel XXXX and XXXX and apply refund to balance

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 2026-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid off all my cards but XXXX XXXX XXXX has not updated my balance.I have submitted a dispute trough XXXX XXXX and sent a formal letter to XXXX XXXX asking to have the balance show the correct information. This balances are affecting my XXXX XXXX and would like to have it resolved immedietly. The last payment shows on XXXX, It's been over 30 days.

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am submitting this complaint because I was targeted by a sophisticated criminal impersonation ring utilizing extreme psychological duress, fear of immediate arrest, and deceptive legal threats. The perpetrators maliciously impersonated law enforcement officials from the XXXX XXXX XXXX Department in XXXX XXXX, Nevada to criminally coerce me into executing a {$4000.00} transaction via XXXX Pay using my Citibank Debit Card. This occurred around XXXX XXXX on XX/XX/year> I was contacted by individuals claiming to be high-ranking officials with the XXXX XXXX. They stated that there was an active, urgent legal matter against me ( such as an outstanding warrant, missed jury duty, or legal fine ) and threatened that failure to comply immediately would result in my imminent arrest, jail time, and severe legal penalties. The scammers maintained continuous contact, refusing to let me hang up or verify the information. Under extreme panic, fear for my personal safety, and severe psychological duress, I was ordered to pay a " bond/fine '' of {$4000.00} immediately to clear the warrant. The perpetrators instructed me to utilize XXXX XXXX on my device to process the payment immediately. Because I was under immediate threat of law enforcement action by what I believed to be a legitimate government entity, I executed the {$4000.00} transfer from my Citibank checking account. Upon realizing this was a coordinated imposter scam, I took immediate action. I contacted the Citibank Fraud Department while the transaction was still explicitly marked as " Pending '' on my online banking app. Despite the funds being un-cleared and sitting on an authorization hold, Citibank frontline agents refused to cancel or freeze the token settlement, stating their internal protocol only allowed them to file a standard post-payment dispute. Legal and Regulatory Basis for DisputeUnder federal banking definitions, this transaction was not an authorized payment for goods, services, or commercial exchange. No goods or services were ever intended to be rendered. I was fraudulently induced and physically coerced under criminal threat.A formal criminal police report has been filed regarding this extortion and imposter fraud with the XXXX XXXX XXXX XXXX under XXXX 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 2026-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC
State: TX

Complaint narrative:
Subject : Supplemental Complaint CFPB Complaint # XXXX Re : CFPB Complaint Reference XXXX To Whom It May Concern, This submission supplements my previously filed complaint, CFPB Complaint No. XXXX. My original complaint detailed the inconsistent and inaccurate information I received regarding my eligibility for an FHA Partial Claim, the mishandling of my suspense account, and LoanCares refusal to apply approximately {$2000.00} of my own funds that it was holding in suspense toward my Trial Payment Plan. LoanCares handling of my account left me with no room for error. By refusing to apply funds that already belonged to me and requiring me to come up with additional money each month, I was consistently making my XXXX XXXX XXXX payments at the end of the month with my back against the wall. Although I fully accept responsibility for inadvertently missing my final XXXX XXXX XXXX payment, I believe LoanCares actions created the circumstances that left me without any financial cushion if a mistake occurred. This supplemental complaint concerns what occurred after my original CFPB complaint was filed and raises additional concerns regarding LoanCares handling of my account following the expiration of my forbearance, including the rapid referral of my loan to foreclosure despite having notice that my property was under contract and would be paid in full.

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 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
I am a XXXX XXXX filing this complaint against Monterey Financial Services , Inc. regarding an ongoing fraudulent consumer account. On XX/XX/XXXX, I purchased a puppy from XXXX XXXX ( franchisee XXXX XXXX XXXX XXXX XXXX ), which utilized Monterey Financial Services for financing. XXXX explicitly assured me the puppy was perfectly healthy, despite having performed a XXXX XXXX extraction on the puppy just days prior on XX/XX/XXXX, and rushing him from XXXX XXXX, FL. Within weeks, the puppy fell severely ill with XXXX due to a hidden, pre-existing weak immune system. On XX/XX/XXXX, a veterinary hospital confirmed there was no chance of recovery, and the puppy was humanely XXXX XXXX XXXX XXXX XXXX engaged in overt consumer fraud, neglect, and misrepresentation. In XX/XX/XXXX, XXXX XXXX permanently shut down and filed for Chapter XXXX bankruptcy protection. For XXXX years, I have continuously disputed this account. Monterey Financial Services continues to illegally add predatory charges, interest, and collection marks against my credit profile for a fraudulent transaction involving XXXX XXXX property. As a XXXX Veteran, I am being subjected to deceptive financing and abusive collection practices. I demand that Monterey Financial Services completely dissolve this account, clear the balance to {$0.00}, cease all collection attempts, and delete all associated negative remarks from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Someone opened an account in my name with CareCredit. I received the card- which I never requested - and called the company to cancel it. They told me I didn't know my own birthday and SSN, so obviously whoever opened the account used a different birthday and SSN. They refused to close the card since I didn't know the " correct '' information.

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 2026-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Stellantis Financial Services US Corp.
State: SC

Complaint narrative:
Inquiry from XXXX on XXXX XXXX,2022 In the amount of {$4100.00}. I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in 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 2026-07-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Good afternoon. My father, XXXX XXXX XXXX, died on XX/XX/year>. He had three accounts with BMO all titled in his trust. I am the trustee, XXXX XXXX XXXX. His banker, XXXX XXXX at the branch in XXXX, XXXX has been assisting telephonically. I am traveling and used a branch in XXXX XXXX, XXXX to set up a trust account with a EIN, which I am using to pay his bills. I have received the funds in his checking and money market accounts. The bankers will not let me have access to the {$350000.00} in the CD without going through the courts. They state it is not in the trust, but instead opened as an individual account. The account disclosure statement my father received when he opened the CD clearly states it is in the trust. Please see attached. XXXX apologized for the bank error, but that doesnt fix the situation. She said a form is missing. My father was XXXX XXXX XXXX when he opened this CD. There is no way he could have known about a missing form, if that is actually the case. Every month BMO sent him a statement in the mail that was addressed to the trust. My father intentionally put his accounts in the trust, so his children could avoid the long and costly probate process. His heirs should not be penalized because of a bank error. My father would be livid if he knew this was happening. I filed a complaint with BMO 's Customer Advocacy Team, but they declined to help. See attached email. Your assistance with providing me, the trustee, access to the CD in the trust account is greatly appreciated. This is what my father intended and believed he had set up.

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>2026 US Bank closes checking account ending in XXXX with {$92.00}, XXXX On XX/XX/XXXX, US Bank claims no funds are available for distribution due to being unable to verify ownership of the remaining funds in the account, yet bank has not reached out to the lender for investigation of the origin of the funds. In order to aid the bank with their already thorough investigation, I have attached the power of attorney ( see page XXXX ) corresponding to the principal applicant of the loan that originated the funds in discussion. Assuming the name has come up in their findings. Lender is able to confirm I am the co-applicant of such loan. Therefore making me eligible for direct return. 1st No transaction ID has been provided to aid the lender allocate the funds in their account. 2nd. XXXX XXXX business days after the closure of the account, lender has not been notified of the return of the funds. Time frame seems unreasonable.

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 2026-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am filing a formal complaint against Citibank for an improper credit card dispute determination ( Case ID XXXX and XXXX ). Citibank reversed a conditional credit of {$3800.00} ( XXXX identical charges of {$1900.00} dated XX/XX/year>2026 ) claiming " Customer Responsible. '' However, the merchant, XXXX XXXX XXXX, has explicitly admitted to this billing error in writing under Helpdesk XXXX XXXX. The merchant 's own official transaction ledger dated XXXX XXXX, 2026, shows a current outstanding balance of - {$1900.00}, proving they have an active overpayment credit on file for me and that I owe them {$0.00}. Furthermore, the merchant only shows a single payment entry of {$1900.00} on XX/XX/XXXX, proving the second charge is a duplicate/erroneous processing error. Citibank failed to properly investigate. I request that Citibank review the attached ledger showing my negative balance, recognize the merchant 's written admission of billing error, and permanently reverse these charges.

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 2026-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am the lessee on a XXXX XXXX XXXX XXXX ( Account # XXXX, XXXX XXXX ) financed through Hyundai Motor Finance ( HMF ), with a scheduled lease maturity date of XX/XX/XXXX. My lease requires that I return the vehicle to an authorized Hyundai dealer that HMF designates. I have been unable to return the vehicle because multiple authorized Hyundai dealers refused to accept it. On XX/XX/XXXX, I attempted to return the vehicle and was refused by XXXX dealers : XXXX ) Hyundai of San Bruno refused in person, stating the dealership " has too many cars '' and that Hyundai will not pick up returned vehicles. XXXX ) Fremont Hyundai, the originating dealer ( XXXX XXXX XXXX XXXX, XXXX, CA ), refused by phone, stating the dealership has been sold and the new ownership will not accept the vehicle. XXXX XXXX Capitol Hyundai in XXXX XXXX refused, stating they have no room on their lot. The same day, I called HMF 's Lease-End Servicing Team XXXX XXXX ( a XXXX call at approximately XXXX XXXX XXXX ). The representative said he would contact dealers on my behalf and call back within XXXX hours, and mentioned a XXXX grace period. HMF told me they do not assign case numbers and track calls only by date and time, so I have no written confirmation of anything discussed. I remain ready and willing to return the vehicle immediately, with all keys, chargers, manuals, and floor mats. I am requesting that HMF either arrange to pick up the vehicle or designate an authorized dealer within a reasonable distance that will accept it, and that HMF confirm in writing that no late charges, holdover payments, or other fees will be assessed, and that no negative information will be reported to credit bureaus, for any delay caused by these dealer refusals. I am also unavailable due to travel XX/XX/XXXX, which HMF has been informed of.

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 2026-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
I have an existing FHA mortgage serviced by M & T Bank and am currently in an active XXXX XXXX XXXX. I recently contacted M & T regarding my mortgage account and was informed that approximately {$1900.00} in bankruptcy attorney fees/costs had been charged or were being requested on my account. I requested a clear itemized breakdown of these bankruptcy attorney fees/costs, including the reason for each charge, the dates of the legal work, invoices or billing detail and documentation showing whether the fees were properly authorized or approved through the bankruptcy process. M & TXXXX provided only a one-page ledger to my bankruptcy attorney. The document is confusing and appears to show limited line items such as MFR fees and MFR costs, but it does not explain the specific attorney work performed, why the charges were necessary, the dates of the legal services, or whether the fees were approved by the bankruptcy court. The document also does not clearly reconcile with the approximate {$1900.00} amount I was told was being charged/requested. I am requesting that M & T provide a complete itemized accounting of all bankruptcy attorney fees and costs charged or requested on my mortgage account, including invoices, dates, descriptions of work performed, proof of court approval or authorization, and removal/refund of any fees that were not properly approved, justified, or disclosed.

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 2026-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
I am disputing an inaccurate collection account reported by TekCollect for an alleged debt originating from XXXX. XXXX filed for Chapter XXXX bankruptcy and completely shut down all operations, failing to fulfill my treatment plan, complete my medical services, or deliver my remaining aligners. This constitutes a total breach of contract ; I can not be legally required to pay for services and products that were never rendered. TekCollect purchased this invalid, unfulfilled account and is trying to collect a debt that is not legally owed. Furthermore, XXXX has failed to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ), verifying a broken contract despite explicit email proof that the service was never fulfilled. I demand that TekCollect immediately cease all collection activities and completely delete this inaccurate trade line from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation