vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C. SYSTEM, INC XXXX XXXX XXXX, XXXX XXXX MN XXXX ( XXXX ) XXXX RE- CEASE AND DESIST To whom it may concern : I.C. SYSTEM, INC is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including I.C. SYSTEM, INC.

Since I.C. SYSTEM, INC has taken oppressive actions and infringement on my personal privacy, this has harmed my general reputation of credit worthiness by furnishing such alleged debt to the consumer reporting agencies. This constitutes as a violation pursuant to 15 US Code 1692 c ( c ) & 1692d ( I ) for the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

Upon receiving this notice, I demand you to CEASE AND DESIST further communication through all mediums such as email, text messages, phone calls, consumer reporting agencies or any other forms of communication regarding the alleged debt in which I allegedly refuse to pay pursuant to 15 USC 1692c ( c ). Remove the collection from all consumer reporting agencies.

Due to I.C. SYSTEM, INC Fraudulent actions, this constitutes as aggravated identity theft for knowingly possessing and using, without lawful authority my identification with intent to commit unlawful activity which is a direct violation of Federal Law and felony pursuant to 18 USC 1028 and I8 USC 1028A.

Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} per violation, I.C. SYSTEM, INC as confirmed is a debt collector who failed to comply with the Fair Debt Collections Practice Aet ( 15 USC 1692 ) may be held not only civilly but criminally liable for any actual damage sustained in your attempt to extort me if I.C. SYSTEM, INC violates this CEASE AND DESIST! 

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 2026-01-10 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: CO

Complaint narrative:
Portfolio Recovery Associates is furnishing a XXXX XXXX account in a materially inaccurate and internally inconsistent manner. The tradeline is simultaneously reported as open, as a collection account, as derogatory, with XXXX late payments and a XXXX dollar balance. An account can not be open while also being a collection account with a XXXX balance. If an account reflects a XXXX balance it can not continue to accrue late payments. This reporting violates federal accuracy standards and XXXX XXXX reporting rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I was scammed out of all my savings through a fraudulent investment account. I am XXXX yo and I need this money to live. I was led to believe that I was investing in an account by XXXX. When I tried to withdraw funds, they insisted I provide a deposit to verify the account. The firs time it was XXXX, second time it was XXXX, third time XXXX. This all took place by someone I met on XXXX who claimed to be a pilot for XXXX XXXX and whose expertise was investing. I tired desperately to get the bank to do chargeback/recall, but they did not help at all. I have file a report with the local police department, the CT AG 's office and the FBI. PLEASE, I need someone to help me get my money back. I have extensive information but its in my email. I can provide this information to you if I have an email address I can forward it 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 2026-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: SD

Complaint narrative:
I physically went down to clerk of courts and gave my current address again. Yet they are still sending all things about this false debt to my mothers house. They have my addresses but refuse to use it. Either on purpose or by negligence i am not getting proper notification of anything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding a serious and unresolved credit card fraud issue with Citibank that began in XXXX and remains unresolved to this date. 

In XXXX, I received fraud alerts for unauthorized transactions on my Citi credit card. I immediately contacted Citibank and was informed that a replacement card would be issued. I never received that card. 

Before I ever received or activated the replacement card, I was notified of additional unauthorized charges made on that replacement card. I contacted Citibank again and was told another replacement card would be issued and that an investigation would be conducted. 

Despite this, I continued to receive billing statements demanding payment for charges I did not authorize. I contacted Citibank by phone at least XXXX to XXXX times over the following months, but no meaningful resolution was provided. 

During a recent phone call, after being transferred to Citibanks Security/Fraud Department , I was informed for the first time that my fraud claimoriginally filed in XXXXhad been closed by Citibank, even though : I never received or activated the replacement card The investigation was not completed Unauthorized charges were still present I was never notified in writing that the claim had been closed The claim was only reopened after I continued to receive billing statements and contacted Citibank again XXXX Had I not followed up, I would have been wrongfully held responsible for fraudulent charges. 

As of today : I still have not received a valid replacement card I have not received written confirmation that I am not responsible for the fraudulent charges Citibank continues to request payment for unauthorized transactions

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 monetary relief
Consumer complaint received 2026-01-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CreditSmart Holdings Inc
State: CA

Complaint narrative:
On XX/XX/year> XXXX XXXX charged my bank account a subscription fee of {$34.00}. I have never heard of this company, never had an account with this company. This withdraw was fraudulent and my debit card information must have been compromised as I never gave it to this company for a transaction. They are a scam and fraud and the phone number listed does not ring and states it can not take messages.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Account Managers, Inc.
State: WA

Complaint narrative:
They sent me a fraudulent letter as a scam trying to exstort money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: State Home Mortgage
State: GA

Complaint narrative:
I had a major death in my family and I requested a payment plan so I wont be late. We came up with dates and they knew I would be late and they agreed with the payment plan and still reported my payment as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
my loan # XXXX with Mr.Cooper.in late XXXX XXXX mr. cooper took over my mortgage loan from XXXX XXXX  loan and i received a statement in the mail from Mr Cooper a few days later stated that there is an escrow shortage in my escrow account and required me to pay a balance of {$10000.00} to ensure that i have enough funds in my escrow account to cover the next 12 months as part ot my monthly payment .option XXXX : pay nothing now as stated in the letter and we will automatically spread the shortage of XXXX over the next 12 months as part of your monthly payment my new payment will be XXXX .option XXXX : rather than spreading the shortage amount over your monthly payments, you can voluntarily pay the entire shortage XXXX before your new payment kicks in on XXXX XX/XX/year> i made an electronic payment via my bank of america to Mr.Cooper loan for the amount of XXXX for my escrow shortage as the requested. mr cooper received my payment and after receiving it.mr cooper charge me an extra {$1000.00} add to my monthly mortgage payment every months. i contacted them and suggested to them know that they made an error because my mortgage payment increase by a {$1000.00} after a paid the escrow shortage in full i also asked mr cooper to explain to me in by mail or email. the never responded. i made multiple attempts to have mr cooper to fix this issue i have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I purchased a XXXX printed XXXX parts kit from XXXX. I had supervision for a year and case is dissmissed. It was forfited to the XXXX police station. Ive been having non stop problems from apple and goldman sachs for the past year. I believe they sold private information to XXXX XXXX XXXX who are using the technolgy to harass me. Its effecting my identity with a social security number leak thats seperate, my electronic accounts veing hacked, and video games accounts. Im having problems with apex legends when i link my apple account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I have an active CFPB complaint against Bridgecrest filed on XX/XX/year>. 
While that complaint is still under review, Bridgecrest repossessed my vehicle from private property behind my garage. 
I was confronted, and the repossession continued after objection, constituting a breach of the peace. 
No notice of repossession was provided. 
I am requesting immediate CFPB review and corrective action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX opted to close all four of my accounts ( two checking and two savings ) on XX/XX/XXXX of XXXX. They froze the accounts on that date and prevented previously established autopay ACH transactions for my monthly HOA dues, mortgage and credit card from debiting my account. I have been a customer of XXXX XXXX XXXX XXXX for 21 years. I received no notification of this action taking place until I received a letter in the US mail on XX/XX/XXXX that was postmarked XX/XX/XXXX of XXXX. I called the XXXX XXXX customer service line on the evening of the XXXX and they claimed that they could not tell why this was taking place and referred me to my local branch. I went to my local branch on XX/XX/XXXX of XXXX and was told by the Branch Manager XXXX XXXX ( XXXX ) that the Local branch had been notified of the account closure by Zions Bancorp ( parent company of XXXX XXXX XXXX XXXX ). XXXX XXXX corporate blamed the local branch and the local branch blamed Zions Bancorp as being responsible for making the decision to freeze the accounts as they prepared for closure. I understand that XXXX XXXX can decide to close the accounts ( I could also take my banking business elsewhere at anytime ) however the issue lies in that they froze the accounts on XX/XX/XXXX but did not mail a notification until XX/XX/XXXX ( received on XX/XX/XXXX ). The freezing of the accounts before I had been notified caused me to incur costs related to returned payments and has prevented me from making my XXXX mortgage payment on time which may impact my credit rating ( I still have been unable to pay my mortgage as XXXX XXXX refused to release the ACH block on my account ). The reason for closing my accounts noted by XXXX XXXX is also suspect as the main issue that he described was that I changed my online banking password too many times. A bank should not be allowed to freeze a customer 's account before the customer has been notified as it disrupts the normal flow of funds while the customer is unaware of what has taken place. In my case, this has lead to costs incurred due to returned payments as well as damaging my financial reputation. I prey that XXXX XXXX XXXX XXXX and Zions Bancorp make me whole for the damages that I have incurred as a result of their negligence related to their delay in notifying me of their decision to freeze/close my accounts.

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 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is maintaining and disseminating personally identifiable information associated with my name in a manner that has caused substantial harm and damages. I have never applied for, obtained, or authorized any extension of credit with Midland Credit Management, nor have I granted any individual or entity power of attorney or other authority to conduct business on my behalf with this company. 

I have formally requested that Midland Credit Management produce proof of agreement demonstrating that it directly entered into a contract with the alleged original creditor or transmitting utility, as well as the lawful basis for the creation of any purported transaction or account record attributed to me and subsequently furnished to consumer reporting agencies. 

The continued reporting of this unverified and unauthorized information constitutes aggravated identity theft and an unlawful publication of false credit data. Accordingly, I have demanded complete ledger-level accounting, including copies of all books, records, and ledgers required by law for any account claimed to be assigned, sold, or securitized, for the purpose of claim verification and validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Paid off credit card and all of a sudden I am charged {$94.00} the person on customer service could have cared less and did not help at all. I should not be charged after weeks of paying card off. Yall kept tacking on the interest even after I called about hardships. That should have all been included in the balance. I intend to shut down my bank account all together and never use yall again. Worst credit card ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
At around XX/XX/year> I wired approximately {$37000.00} From TD Bank, XXXX XXXX, XXXX Ma. I provided the customer service representative with the receiving bank 's swift? Transit codes along with the account 's names and number. However, this transaction was processed but the transit code was exempted from the transaction by the CSR. As a result of that the transaction was returned to my account at the branch it was sent from. The amount credited back to my account was short by {$1700.00}. When enquired about the reason for the shortage the branch manager called the wire transfer department and they explained to her that it those fees were incurred as a result of the transaction being processed coupled with the drop in the exchange rate that was available on that particular day. I do not believe I should be the one be held liable for the bank 's error so i therefore demand a full refund of the {$1700.00} charged to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
My income dissapeared due to work injury. Worker 's comp case denied. Engaged attorney and requested hardship relief. Lender did not provide sustainable accommodation. The interest rate is extremely predatory given the circustances. I want fair hardship accommodations and options. Please escalate my account to tier 2 hardship review and provide written confirmation of options including deferment, interest rate relief or payment solution.. I have zero income and I am unable to pay anything. Please note my hardship status and escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
I am a South Carolina consumer whose Chime ( XXXX XXXX  ) account was taken over through identity theft. An unauthorized XXXX XXXX XXXX  totaling approximately {$6000.00} was initiated without my consent. The identity theft began in XX/XX/year>XXXX  but wasn't completely and totally apparent without a reasonable doubt until the end of XXXX early XXXX that is why I'm only claiming funds from that time I submitted a fraud claim with an FTC Identity Theft Affidavit and police report. Despite this documentation, Chime denied my dispute and refused to reverse the unauthorized electronic fund transfer. 
Under the Electronic Fund Transfer Act and Regulation E, authentication obtained through a compromised device or stolen credentials does not constitute authorization.

I am requesting that the CFPB require Chime to comply with federal law, reverse the unauthorized transfer, and restore my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I am attempting to resolve a debt with Credit Collection Services through written communication. 

On XX/XX/XXXX, I mailed a written settlement offer to Credit Collection Services requesting to resolve the account. I did not receive a response. 

On XX/XX/XXXX, I attempted to contact Credit Collection Services again via email to follow up on my prior written request. However, the email was rejected because Credit Collection Services email system does not accept incoming messages from consumers. 

Credit Collection Services does not provide a functional email address for consumer communication and has failed to respond to written settlement attempts. I am requesting written confirmation regarding whether the company is willing to resolve this account and to clarify available resolution options. 

I am asking the CFPB to assist in obtaining a written response from Credit Collection Services regarding this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
I have XXXX different situations with XXXX XXXX  master card I went to XXXX store to buy XXXX when I try to pay with {$200.00} gift card that I just activated at home the card was declined XXXX times XXXX minutes later I did check what happened and the money was gone some XXXX used the XXXX on XXXX XXXX at same time I was trying to to pay several times I did call XXXX costumer service to report the issue they supposed created a case they allways said they are going to transfer the call to fraud department of XXXX but never happened waiting several times for some XXXX and the hang up disconnected from phone call it doesnt matter at what time or day I call today XX/XX/26 I went to different store XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX buy clothes for my sons with different card and same problem {$200.00} gift card different XXXX declined and at the same moment Im paying some XXXX is using the card in XXXX XXXX XXXXXXXX XXXX and They stole my money XXXX XXXX costumer service doesnt even respond no solution means I already lost {$400.00} both cards registered on my name with security code address that it is a joke it doesnt help at all this company is selling gift cards making big amounts of money but when costumer needs support they dont help at all no one make them respond

Company response to consumer: Closed with explanation