vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I am submitting this complaint regarding an alleged remaining garnishment balance being pursued by Gurstel Law Firm that appears inaccurate and has not been validated despite multiple written requests. 
Timeline of Events : XX/XX/XXXX Wage garnishment began through my employer pursuant to a judgment totaling {$1500.00}. 
XX/XX/XXXX through XX/XX/XXXX Garnishment payments were withheld from my wages and remitted by my employer. Total payments made toward the judgment equaled {$1700.00}, exceeding the original judgment amount. 
XX/XX/XXXX My employer received a new garnishment notice from Gurstel Law Firm claiming an additional balance of {$520.00}. This was the first notice I received indicating any remaining balance. Prior notices had been sent to an address where I have not lived for over XXXX years. 
XX/XX/XXXX I sent a formal written dispute to Gurstel Law Firm disputing the alleged balance and requesting validation, including : - a full itemized payment ledger, - breakdown of post-judgment interest and fees, - interest rate and calculation method, - documentation supporting the claimed remaining balance. 
My employers HR department was copied on this correspondence. 
XX/XX/XXXX I sent a second written request after receiving no response. 
XX/XX/XXXX I sent a final request for response advising that the balance remains formally disputed and requesting confirmation that no further enforcement would occur pending validation. 
Actions Taken by Me : I promptly disputed the debt in writing, requested documentation supporting the alleged balance, maintained communication with my employer, and attempted in good faith to resolve the matter directly with Gurstel Law Firm.

Actions Taken by the Company : Gurstel Law Firm issued an additional garnishment claim despite payments exceeding the original judgment amount and has not provided any validation, accounting, or explanation in response to multiple written requests. 
Current Issue : Despite documented overpayment relative to the original judgment, garnishment activity is being pursued without validation of the alleged remaining balance. The lack of response has prevented me from confirming the accuracy or legality of the additional amount being claimed. 
Resolution Requested : I request a full accounting of payments and fees, validation of the alleged balance, correction of any inaccurate collection activity, and confirmation that no further garnishment will occur unless a verified and lawful balance is established.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
XX/XX/XXXX -- I gave XXXX XXXX who was a friend my card number so he could fly from texas to me here in XXXX XXXX. he called me and said he was the XXXX airport and the card was restricted to call chase and open it up... i called chase and found that hey had restriced many attempted transactions which turned out to be fraus from XXXX and XXXX XXXX. about XXXX later they concluded that the fraud on my card was bad nought to lock my card up and i would not be able to use the card at all. i ad mit that was wrong giving the info to XXXX XXXX but i requested asince they were ripping up the offended card and issuing a new card that at least since the new card would be locked up by me when not in use, i proposed they unlock my account and i siad there would not be anymore fraudulent claims or even disputes lodged that i would take full reponsibility for my financial security, i have always paid chase several times a month to keep the balance low and never paid a late fee or interest because i was a conservative financially responsible individual. i am XXXX yrs old. they claimed because i was a customer with no outstanding loans or interest and paid on time the fraud is costing the bank more money than they get from me. the refuse to reopen my account even though i myself never caused any problem through late payments etc. Now yesterday i called and my outstanding balance is about {$110.00} and I once again urged them to unlock my card because i can not sign in or even pay them because my account is locked. I told them that they would not get paid because they locked me out and until i get my card unlocked i would not pay to appeal for my card to be unlocked every 30 days. i said you have me at the bottom of the barrel, it would not matter to me if they never got paid because they already have me down as a deadbeat for fraud i did not commit. and i would never let my infp pit tp anyone so i was just requesting this one try and with the changes i was instituting on my own behalf for security this would never happen again! All I wanted was to reopen my card because i was not the person who commited any fraud! XXXX XXXX out of Texas or Louisiana was the person responsible for damaging my credit and causing a massive financial devastation to me because i used the chase card for my groceries that i order on line since i am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not press any charges on him but if you need to know who was responsible, he was the person who was going to fly from texas here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — Store credit 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: Atlanticus Services Corporation
State: OH

Complaint narrative:
I purchased a living room set for myself. Had issues with delivery. It was set to deliver in XXXX yet didnt receive it til XXXXXXXX XXXX XXXX. I purchased the protection plan, and had value city furniture come to access. They never met my request to fix my furniture. I have called numerous times to the store and credit card company and have had XXXX response. Furniture was delivered broken and they never tried reaching out or replacing the set. I have a balance in which I will not continue to pay, as Im NOT receiving what was agreed upon. I want help with someone answering to why this happened, and to come up with a resolution to make me happy. Ive waisted a lot of money on this, and the store is now closing and bankrupt. This is not right ethically and morally. HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: MortgagePros, LLC
State: AZ

Complaint narrative:
This is a complaint against Mortgage Pro 's. 
On XXXX we signed with a notary, to refinance our property on XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX. We discovered that they have promised us a monthly payment of more than {$200.00} off our current payment. However, the papers that the Notary Public brought with him failed to mention any such payment. We cancelled the transaction on the following day XXXX. Both I and my wife made sure that this was understood with Mortgage Pro 's which we were working with on the refinance. 

On XXXX our original lender, Freedom Mortgage, sent us a statement asking for our monthly payment. We called on XXXX, Freedom Mortgage to pay the current house payment due, and it would not go through electronically. I called back and got an agent, who informed that she could not apply the funds for the house payment because there was no longer a loan with them. So what shall we do?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding a retail installment financing account opened in XX/XX/year> for approximately {$8000.00}. 

I am currently in good standing and have never missed or been late on a payment. I proactively contacted TD Bank to request hardship assistance due to a significant change in financial circumstances, including the end of an engagement and loss of housing. My intent is to prevent delinquency and protect my credit. 

Despite reaching out before any missed payments, I have not been provided clear information about available hardship programs, loss mitigation options, or temporary accommodations that would prevent negative credit reporting. 

I am not refusing responsibility for the debt. I am requesting : A formal hardship review Clear written explanation of available hardship or forbearance programs Confirmation whether participation would prevent negative credit reporting Any reasonable accommodation to prevent this account from becoming delinquent I am making this request in good faith while the account remains current.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Levy & Associates, LLC
State: WI

Complaint narrative:
Well, I had a medical bill from about 1-2 years ago when I had a concussion and underwent speech and physical therapy to regain cognitive function and memmory. During that time, my bills piles up. They sued me for like XXXX dollars. I called to ask if I could pay less and they said I owed more than what they were suing me for. Like XXXX dollars more so I didn't pay anything. 

I have a court date coming up and they will not return my call. their company says there are not enough representatives to handle the call. I think they know its me and just don't want to deal with me. I want to pay the full about of XXXX or something like that. I want to pay it prior to the court date but I think they just want to go to courts and mess up my credit and put a lein on me.

I call them several times today same message immediately. not enough representative to handle the call; ya right!! You cant pay online??? So I guess I have to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/year> I discovered that a OnePay credit card account was opened in my name without my knowledge or authorization. I did not apply for or consent to this account and believe I am a victim of identity theft. 

I also noticed an unauthorized credit card inquiry/application from XXXX XXXX XXXX which I did not authorize. 

I contacted OnePay to report the fraud. The company informed me that the matter is under investigation ; however, I have not yet received any written confirmation that I am not responsible for this account or any associated charges. 

I have placed a credit freeze with the major credit bureaus and filed an identity theft report. I am requesting that this fraudulent account and any related inquiries be removed from my credit report and that the company provide written confirmation that I am not liable for any unauthorized activity.

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 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ascension Point Recovery Services, LLC
State: TX

Complaint narrative:
Received numerous calls from Ascension Point Debt XXXX. Now they are calling with claims of complaint against me. My Mother passed away. They claim there was two outstanding credit card balances. I am not the executor nor am I Power of Attorney over the property. Nothing is in mine or my sisters names. The money we received was to pay for the funeral and nameplate expenses. Mu mother passed XXXX  XXXX, 2025. Ascension started calling in XXXX. They have provided no documents, that we asked for, showing transactions on these credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: VW Credit
State: FL

Complaint narrative:
This complaint relates to prior submission CFPB Complaint ID XXXX, which was recorded but not forwarded to the company. I am resubmitting to ensure the matter is routed appropriately. 

I am submitting a complaint regarding account servicing and credit reporting related to my auto loan. 

While temporarily outside the United States, I was unable to access my account because authentication codes were not delivered and the website intermittently rendered as a blank page. The company provides only U.S. toll-free phone numbers and no international servicing or payment numbers, making it physically impossible for me to contact them or make payment from abroad. I also received no email, phone, or account notifications advising me of a missed payment. 

After returning to the United States, I contacted the company by phone and immediately paid the past-due balance in full. During that call, a representative acknowledged that the system is not accessible outside the United States. 

I submitted a formal dispute requesting review of the account handling and reporting. The company responded stating the reporting was accurate but did not address the documented access limitations or lack of international contact options. 
This isolated 30-day late payment caused a significant credit score decrease despite my otherwise strong payment history. 

I am requesting that the company review the circumstances, conduct a reasonable investigation, and correct or remove the 30-day late payment reported to consumer reporting agencies. 

COMPANY NAME : Volkswagen Credit , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am filing this complaint against Chime for deceptive practices and failing to honor promotional terms confirmed by their own representatives. On XX/XX/year>, I spoke with XXXX XXXX XXXX ' who explicitly confirmed three separate times that the deadline for my third and final direct deposit milestone was XX/XX/year>. Based entirely on this official confirmation, I relied on their instructions and chose to schedule my qualifying deposits for XXXX instead of XXXX. When the bonus failed to post, I contacted support in the second week of XXXX ; despite acknowledging that I was given incorrect information, the agent refused to honor the {$150.00} credit and abruptly ended the chat session without my consent. I escalated this on social media, where Chime instructed me to call their helpline for help. However, during my call today, both the agent and their supervisor, XXXX ( XXXX ID : XXXX ), admitted to the agent 's error but still refused to provide any compensation, claiming they could not manually override the automated system. I am requesting a manual credit of {$150.00} to rectify this documented error and fulfill the promise made by Chime representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: WA

Complaint narrative:
I am disputing a collection account managed by IQ Data International that is legally invalid. The original creditor 's attorney, XXXX XXXX, confirmed in writing on XX/XX/year>, that this account would not be sent to collections. ( See attached evidence ). 

Despite providing the agency with this proof of rescission, they continue to report this inaccurate information, causing me to face conditional denials for credit. They are violating the FDCPA by collecting on a debt that was legally waived by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: PA

Complaint narrative:
I am filing this complaint against Pro Collect regarding an inaccurate collection account they are reporting on my credit report in the amount of {$1800.00}.

I dispute this debt in its entirety. I do not recognize this debt and have not received proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Pro Collect has failed to provide adequate documentation showing that : 1. I am legally obligated to pay this debt ; 2. The amount of {$1800.00} is accurate and includes a detailed accounting ; 3. They have the legal authority to collect this debt ; 4. The debt has not been previously satisfied, settled, or discharged.

This account is negatively impacting my credit profile and financial standing. I formally request that Pro Collect provide full validation of this debt, including the original creditors name, account number, date of default, itemized statement of charges, and proof of assignment to Pro Collect.

If Pro Collect can not provide proper validation, I request immediate deletion of this account from all credit reporting agencies to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and the FDCPA.

I am requesting a thorough investigation and written confirmation of the results. If the information can not be verified, it must be removed from my credit report immediately

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 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Solar Mosaic LLC
State: ID

Complaint narrative:
I am a XXXX XXXX XXXXXXXX XXXX in Idaho. My husband is XXXX and XXXX 
A door-to-door- salesperson presented a proposal stating the system would cost approximately {$45000.00} and that we would be " trading our electric bill for a solar payment. '' I signed on a tablet device and was not provided a complete contract for review at the time of signing. 

The actual financed amount was {$100000.00} -- - more than double what was represented. A XXXX fixture XXXX was placed without clear disclosure that a XXXX would be recorded. 
Our original payment was approximately {$350.00} per month and later increased to {$570.00} per month. We were not clearly informed that payments would increase if certain tax credit assumptions were not met. 

The solar panel system does not meet our electrical needs as promised. We still pay a power bill. We still rely on our wood burning stove to heat our home. 

The original lender was Mosaic. The loan has since been transferred to Solar Servicing. Despite sending written dispute letters, they have dismissed our concerns. 

Because of the XXXX XXXX, it is our understanding it will be difficult to sell our home. I must continue working at age XXXX to make payments on a loan we would never have agreed to had accurate information been provided. 

This loan was obtained through material misrepresentation and deceptive sales practices targeting senior homeowners. I am requesting investigation, correction, and removal of this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wellsforgo brought a contract from the dealership thats not a original contract witch the dealership did fraud in the first place i reached out to the original company about my so call contract and it only had one signature on there by law its has to be two signature on the contract and its not I created the money I made the promissory note that they cash in at the dealership and then the dealership so my so call contract to wellsforgo that already been void out and wellsforgo can't should me a loan out of there account where they gave a true loan because banks can't loan money title 12 usc 1431 clearly proves both party did fraudulent and I reached out to the I.R.S and they dont show where wellsforgo for gave me a loan from the 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 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Mortgage Servicing Error. Failure to timely pay homeowners insurance from Escrow, resulting in Policy Lapse I am filing a complaint against Mr. Cooper regarding serious servicing errors involving my escrow account and homeowners ' insurance. 
Mr Cooper serviced my mortgage and maintained and escrow account to pay my homeowners insurance premiums. My insurance renewal premium was due in XX/XX/XXXX. Mr. Cooper failed to make the required payment on time, despite having escrow funds available for this purpose. 
Mr. Cooper did not send the insurance payment until XX/XX/XXXX, when they overnighted a check to the insurance company. However, by that time, my insurance policy had already been cancelled due to non-payment. The insurance company returned the check to Mr. Cooper because the policy was no longer active. 
Mr. Cooper never notified me that my insurance was at risk of lapsing, nor did they notify me after the policy was cancelled. Mr. Cooper also failed to obtain force-placed insurance to protect the property after the lapse. 
As a result of Mr. Coopers ' failure to properly manage my escrow account and timely pay my insurance premium, my home remained uninsured from XX/XX/XXXX through XX/XX/XXXX, when I paid off my mortgage. 
When I paid off the mortgage, Mr. Cooper refunded XXXX in escrow funds intended for future insurance premium due XX/XX/XXXX. However, Mr. Cooper never properly paid XX/XX/XXXX despite collecting escrow funds for that purpose. 
Mr. Coopers failure to properly manage escrow funds and timely pay my homeowners insurance represents a serious servicing error and failure to meet their obligations. 
I request a full investigation and written response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation