vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have had an account with this bank for probably about 15 years. I have kept money in the account to avoid the monthly service fees. One day I checked my account and saw that I had been charged monthly service fees on my account for 4 months ( XXXX, XXXX, XXXX, and XXXX ). I called the company to complain, and they said they sent a notice to my house about the upcoming change. They also said the information was included in each of my monthly statements. I never saw the notice nor the fine print included at the very end of my monthly statement. They increased the minimum account balance required to avoid fees from {$500.00} to {$1500.00}, a 3x increase, without me being aware. They also increased the monthly fee from {$10.00} to {$15.00} without me being aware. I was wrongly charged {$55.00} in service fees. After complaining to the company, they have only agreed to refund 2 of the 4 service fees ( XXXX and XXXX ). I have escalated the complaint, and they've told me there's nothing I can do and no additional options or ability to appeal the decision. I was not aware of the change in policy, reached out to the bank the same day I noticed the problem, and I have not been refunded the money that should've never been taken from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
To Whom It May Concern, I am writing this complaint regarding repeated overdraft fees charged to my account by Fifth Third Bank under circumstances that appear unfair and misleading! On multiple occasions, I received notifications that my account was at risk of overdraft. Immediately upon receiving those alerts, I transferred or deposited funds into the account so that the balance became positive. Despite taking prompt action to cover the transaction, the bank still charged overdraft fees. My concern is that consumers are being led to believe they have the opportunity to avoid fees by correcting the balance after receiving alerts, yet fees are still being assessed even when funds are added right away. I am requesting that this matter be investigated for possible unfair or deceptive practices, including whether overdraft alerts are sent too late for customers to realistically avoid fees, whether funds transferred immediately should prevent overdraft charges, and whether the bank clearly discloses how transaction timing and posting order affect overdraft fees Whether affected customers should receive refunds for improperly assessed fees. To sum it all up I again get bank alerts via text message and alerts in the app. Once I receive these alerts that these that a transaction is going to cause an overdraft I transfer funds from savings however I am still charged a {$35.00} fee!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
i paid in full on time {$2600.00} on XX/XX/year> my TD BANK FLEXPAY credit card ending in XXXX. However the bank charge me predatory fees {$100.00} rom XXXX TO XX/XX/year> XXXX i paid over the phone to the bank on XXXX after finding out about it. However Td bank reported 30 days late payment on my credit report on XX/XX/year>. I have had for more than 25 years several account in good standing with that bank and choese to gradually close them all. .the last one is the above mention credit card. their action shows vicios intent to do harm to my credit history wich i work hard to maintenin in excelent standards as you can see.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME

Complaint narrative:
USAA personal loan XXXX balance as of XXXX was {$910.00}. I mailed full payment XXXX to USAA listed address for payments and they cashed this check XXXX. USAA loan XXXX balance as of XXXX was {$36000.00}. I mailed full payment to USAA listed address for payments and they cashed this check XXXX. After XXXX days of not being able to resolve the issue with USAA Im filing a complaint. Its loan servicer cashed and stamped the checks and seems to have misapplied the funds to some other account. My account numbers and name were of the checks. Ive been a customer of theirs since XXXX. They have my money and my accounts are still open and Im still paying nearly {$1000.00} in monthly payments.

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 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding Portfolio Recovery Associates and their reporting and collection of an alleged debt on my credit report. I disputed this account and requested full validation of the debt. Specifically, I requested a signed agreement with the original creditor, a complete chain of assignment showing that Portfolio Recovery Associates has legal ownership of the debt, and a full accounting of how the balance was calculated. The company failed to provide this information. Instead, they provided only limited account summaries, which do not constitute proper validation of the debt or proof of ownership. Despite this lack of proper validation, the account continues to be reported on my credit report. Under the Fair Credit Reporting Act, all information must meet the standard of maximum possible accuracy. Reporting a debt without sufficient documentation raises concerns about the accuracy and legitimacy of this account. Additionally, when I contacted the company to discuss resolution, they refused to engage unless I agreed to cancel my dispute, which appears to be an attempt to limit my rights. Given these issues, I am requesting that this account be deleted from all credit reporting agencies or that the company provide full and proper validation of the debt, including all supporting documentation. I am seeking a fair and accurate resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I am filing this complaint against Monterey Financial Services for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding debt validation and verification requirements. Background : Monterey Financial is attempting to collect a debt allegedly owed to XXXX XXXX XXXX XXXX. I have sent multiple formal requests for Verification of Debt ( VOD ) and proof of their legal authority to collect this specific account. The Violation : Despite my timely requests, Monterey Financial has failed to provide substantive verification of the debt. Instead, they have repeatedly stated they are " collecting on behalf of '' the creditor while refusing to provide that they are now the new owners of the account proving their right to pursue it. While the company claims to have marked the account as " disputed '' and stated they will " cease communication, '' they simultaneously insist that I still owe them the money and refuse to return the account to the original creditor. Under the FDCPA, if a debt is disputed and verification is not provided, the collector must cease all collection activities. Their refusal to provide documentation while maintaining a collection " hold '' on my account prevents me from resolving this matter directly with the developer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Asked the company this via email on XX/XX/year> and XX/XX/year>. I also reached out on their live chat and submitted web forms multiple times. This is what I asked them : I am writing in response to your recent attempt to collect an alleged debt. I do not recognize this debt and have no knowledge of any such obligation. This letter serves as a formal dispute of the alleged debt under the Fair Debt Collection Practices Act. I request that you provide full validation of this debt, including : The name and address of the original creditor The account number associated with the alleged debt The full amount of the debt, including any fees, interest, or additional charges Documentation showing that I am legally obligated to pay this debt Proof that your company is authorized to collect on this debt Until you provide proper validation, I dispute this debt in its entirety and request that you cease all collection activities. Additionally, you are instructed not to report this matter to any credit reporting agencies. If this debt has already been reported, please mark it as disputed immediately. Please note that failure to respond to this request may constitute a violation of federal law. All future communication regarding this matter must be made in writing. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am filing this complaint against NTL RECOVERY AGENCY ( NRA ) for attempting to collect and report a debt that is legally uncollectible and void under Texas law. The account in question ( # XXXX ) stems from a medical service date of XX/XX/XXXX. Under Texas Health & Safety Code 146.002, a provider must bill a patient within 10 months of the service date ( deadline was XX/XX/XXXX ). NRA and the original creditor failed to meet this statutory deadline. Consequently, under Texas Health & Safety Code 146.003, they are permanently barred from recovery of this debt. Furthermore, this debt is past the 4-year Texas Statute of Limitations ( Tex. Civ. Prac. & Rem. Code 16.004 ), which expired on XX/XX/XXXX. Despite being put on notice of these specific Texas statutes via my formal dispute letter, NRA has continued to report a balance of {$1300.00} to the credit bureaus. This is a " misleading representation of the character and legal status of the debt '' and a violation of both the FDCPA and the FCRA. I have attached the original notice confirming the service date and my legal notice to NRA. I am also escalating this harassment to the Office of the Texas Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> M & T bank closed our accounts with no warning and stole over XXXX XXXX XXXX we had in the bank. We tried calling multiple times XXXX with XXXX luck. There is no one that can tell us why the account was closed or where our money is. We are now unable to eat and pay bills!

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 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a member with a Capitol One Credit Card Acct ending in XXXX, for over a year now. I have asked for a limit increase beyond the {$500.00}. I have never had a late payment, my balances are consistently below {$100.00} or as it is currently {$0.00} balance. I have gotten increases from all other credit cards so why not XXXX? attached are the XXXX reasons from XX/XX/year> XXXX I paid from the wrong account which is why it was returned-which I corrected immediately before a late payment was applied. XXXX-balance is {$0.00} XXXX Categorically false XXXX That is not relevant and quite frankly none of their business and is not a personal loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not XXXX % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I had a balance of approx {$5000.00} on my XXXX account. I had made a promotional purchase of a little over {$300.00} a month or so ago. I made a payment of a little over {$1000.00} toward my bill on XX/XX/year> and then another payment of {$1000.00} on XX/XX/year>. When I checked my account balance today ( XX/XX/year> ) I had a balance of {$3000.00} and and I was still showing I had a promotional balance of a little over {$300.00}. This very thing happened to me about a year ago when I purchase an XXXX for around {$1800.00} and a no interest promotion for 18 months. The following months after the purchase I made payments well beyond my minimal payment due. After about XXXX or 5 months after that purchase I noticed the promotional balance hadn't decreased any it was still showing approx {$1800.00}. So I called to find out why none of the extra money I had been paying above the minimal monthly payment hadn't gone to my promotional purchase. The bank informed me that if I wanted the monies above the minimal payment to go to the promotional balance I needed to call and let them know. I explained I wanted all monies above the minimal due to go toward any promotional purchase go further. They told me that they had changed my account and going forward that would be the case. Here we are today and I'm having the exact same problem. When I called today they said it was because of a federal law and that any time I wanted the extra monies going to a promotional balance I had to call and let them know. This is the most ludicrous thing I have ever heard and if It is a federal law it need to be changed. This banks are probably ripping off thousands of people and gaining millions of dollars they are not entitled to.

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 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I would like the original copy of the contract with my signature to saying that I owned the debt and validation payments and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to CONSUMER ADJUSTMENT. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that CONSUMER ADJUSTMENT currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to CONSUMER ADJUSTMENT. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all 10 items requested in the attached letter are addressed completely and directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is a complaint against Wells Fargo. We have several accounts with Wells Fargo and have banked with them for over 20 years. Earlier this year I began to notice a problem with the Bill Pay service on my account. I would set up a payment for a particular date, and receive confirmation that this date is confirmed for disbursement. But then the actual payment would go out the FOLLOWING day. This creates potential problems with timely payment, because paying one day later means the payee receives the funds at least one day later, possibly XXXX or XXXX days later. For example, if a payment is meant to go out on a Friday, Wells Fargo is paying it the NEXT business day. So, if there is a three-day weekend, the payment goes out on the next Tuesday. This can easily trigger late fees, credit reporting issues, and other negative financial consequences. I tracked the situation for a couple of months, because at first I wasnt sure I was reading the matter correctly. I also sent a message to Wells Fargo through their secure messaging portal, to document my concern. Over time I tracked several occasions where this one-day-late payment was occurring. In the meantime, Wells Fargo responded to me and said that they changed their policy in XX/XX/year> to send payments out the day after the customer sets. This was on a phone call, so I dont have a record of it. But they did send me an excerpt of their policy, confirming this behavior. However, this policy change is problematic for several reasons : - I never received notice that this was changing- When I set up payments in Bill Pay, their system confirms that the payment WILL go out on the date I choose. There is nothing to indicate the new one-day-delay. - They then email me when the payment goes out, saying it was disbursed on the date I chose, but when I go into the app, it shows that the payment was in fact disbursed one day later. ( I suspect they are doing this to gain one more day of float, at their customers expense. ) So, policy change notwithstanding, Wells Fargo is deceiving its customers. They are communicating payment dates that they are not upholding. Ive exchanged secure messages with them three times, and they are very polite but unhelpful. Nothing is changing. So I am raising this as a complaint to CFPB. I imagine other customers are having the same problem. I want Wells Fargo to change their policy and pay on the date the customer sets. Or, alternatively, I want them to change all their communications so that it is clear there will be a one-day delay. The Bill Pay portal and all email communications should reflect this delay clearly so the customer can plan accordingly. No more sneaky games.

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 2026-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am disputing a fraudulent {$530.00} withdrawal because Capital One is allowing a merchant, XXXX XXXX XXXX XXXX XXXX and XXXX, to collect on a fraudulent XXXX lease agreement that included lease-loading for a coolant reservoir and labor that were never performeda fact confirmed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX who offered a {$430.00} refund for those specific items on XX/XX/XXXX, XXXX I am requesting that Capital One stop the reversal scheduled for XX/XX/year>.

Company response to consumer: Closed with explanation