vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
I contacted my bank a few months ago regarding a XXXX XXXX monthly fee being charged to my account. During that call, I was informed that maintaining a minimum balance of {$200.00} would prevent this fee from being applied. Despite following those instructions, the {$5.00} charge has continued to appear on my account. Today, I spoke with a manager who provided different information, stating that the account must maintain a balance greater than {$200.00}. When I explained that this was not what I had previously been told, he clarified that the balance must be at least {$200.00} to avoid the fee. I have maintained a balance above {$200.00}, yet I am still being charged this monthly fee. I am requesting clarification on the correct minimum balance requirement and a resolution to stop these improper charges, including reimbursement for any fees that were incorrectly assessed.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. My checking account with Wells Fargo ending in XXXX was compromised and unauthorized deposits and transactions totaling approximately {$31000.00} were made without my knowledge or consent. This activity does not reflect my normal banking behavior. I did not authorize or benefit from these transactions. I request this be investigated and blocked or removed.

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 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CSO Financial
State: OR

Complaint narrative:
On XXXX XXXX I called XXXX XXXX to setup service, I was told service was set and would begin the following week. On XX/XX/XXXX, I received a call from CSO financial asking that I return their call. On XXXX, XXXX XXXX, I received a call from XXXX Sanitary stating that my account was placed with CSO and I needed to pay that balance in full before they could start service. I was unaware of an account being placed with CSO, but called them immediately. I was told that my account rep was out of the office, however, spoke with XXXX who could not verify that a validation letter was sent to me or when the account was placed with them for collection, however the balance had grown due to interest over 3 years. I asked for them to send me the validation letter that was sent to me, and all other communication, because I was unaware that the account had been placed with them or that there was a balance on the original account when service stopped in XXXX. I was told by XXXX that she could not find the dates the letter was sent, and told me she would not send me any of the letters and it was up to my account rep XXXX if shed allow that. Today, XXXX, XX/XX/XXXX.. I spoke to XXXX at CSO financial and was told that they got a new system and the notes didnt come over so she could not tell me what day the account was placed and could not send me the validation letter from when it was placed but stated she could send me a new one I asked that the interest on the account be waived as there has been no attempt to contact me regarding this collection and was told that management will not offer a settlement. I am unable to pay interest on debt I was unaware of, I asked if they attempted to contact me by phone in 3 years and XXXX could only give me the most recent dates of XXXX, XXXX, and XXXX of XXXX but was not able to provide anything prior to. She told me that I needed to call a manager and speak to them since I she didnt have the answers I wanted. She stated she could not transfer me and I needed to call back and dial their extension. I have left a voicemail for management. CSO has refused to validate the debt, provide previous communications, has not stated the percentage of interest they are charging, and is using unfair tactics to collect because they are aware this is the only utility service in my area and I am unable to have service without clearing this issue up with CSO.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
This company used different names for reporting the same debt. This is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
This company has put this debt on my report twice and was already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Violation of Florida Consumer Reporting Laws Under the Florida Consumer Collection Practices Act ( FCCPA ), Florida Statute 559, and related consumer protections aligned with the FCRA, creditors and furnishers are required to : Report accurate and verifiable information Refrain from reporting obsolete or misleading data Correct or remove information that can not be properly validated This account, as currently reported, does not meet these compliance standards. Bankruptcy Filing XXXX XXXX Please be advised that I have filed XXXX XXXX Bankruptcy, and this account is subject to that filing. If this debt was included in the bankruptcy : It must be reported accurately as Included in Bankruptcy A balance can not continue to be reported as owed Any continued collection or misreporting may violate the automatic stay and discharge injunction under 11 U.S.C. 362 and 524

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 2026-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I had alot of surgeries stemming from XXXX to current I applied for a loan modification in XX/XX/XXXX and was approved in XXXX of XXXX started my trial payments in XXXX of XXXX made two of the three and was given a notice of title issue i asked phh/onity mortgage was the issue they stated it was a tax lien from XXXX and XXXX I called my township and they said i paid those liens off in XXXX but didnt file the certificate of sale with the county. So I did XX/XX/XXXX sent the receipt to the lender stating they would not give me a in hand copy i would have to wait to the one in the mail comes they said the reciept wasn't good enough and the case manager said even tho the deadline is the XXXX send it in soon as possible when you receive it which I did the XXXX XXXX days after the required date. I then tried to make the third trial payment on the XXXX before the month ended and was told theres an issue with my title so I was denied and the foreclosure started back up I then asked whats the issue and I appealed which was denied by the next day with proof theres no lien on my property and all judgements against me were settled. They gave me a lost of my name with numerous mortgages which I only have one also a sewer tax lien from XXXX that. I was unaware because I purchased the house in XXXX and was told by the township and county theres no liens or judgements against you or your property. I keep sending in public records certificate of sales clean title info and they still deny me by the next day stating my modification denial is non appealable I hired a lawyer as of now but this is so unprofessional to where I wasn't given any info of what the issues were and when I found out resolved them and then they make up other issues that are non factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I'm being told I need to select a new payment plan on the Federal website which does not even include the RAP payment plan or the remaining number of payments I would need to make to complete my years of payment, since I went into repayment in 2002. How can I select a new payment plan when I am not being given the information I need? The servicer doesn't have this info, and the federal government isn't showing it online when I log in and access the repayment calculator. They shouldn't be forcing me to make a decision with a deadline until I have been given all of the information I need to make a decision. This is how student loans got so messed up in the first place!

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AAA Collections
State: ND

Complaint narrative:
Subject : Dispute of Medical Debt XXXX Billing Error / Provider Liability To Whom It May Concern, I am writing to formally dispute the validity of the alleged medical debt on my account. This debt relates to services provided on XX/XX/XXXX, for XXXX XXXX ( XXXX : XX/XX/XXXX ), during which time I was covered by XXXX. The claim was denied due to no referral, which is an administrative or provider-related issuenot a lack of insurance coverage. I have been informed that the claim is now beyond timely filing. However, if the denial and failure to resubmit were due to provider error, this constitutes provider liability. Under XXXX regulations, providers are generally prohibited from billing patients for covered services when claims are denied due to administrative or billing errors attributable to the provider. Accordingly, I am requesting : 1. Full validation of the debt, including : * Itemized billing statement * Dates of service * Explanation of Benefits ( EOB ) from XXXX * Documentation showing the reason for denial * Proof that I am legally responsible for this balance 2. Written confirmation that the provider complied with all XXXX billing requirements, including timely filing and proper referral procedures. 3. Documentation showing that I was properly informed of any financial responsibility in the absence of a referral. 4. Immediate cessation of collection activity while this matter is under investigation. If this debt can not be validated and it is determined to be the result of provider billing error or failure to comply with XXXX requirements, I request that the account be corrected, withdrawn from collections, and that any payments I have made be refunded. Please respond in writing within 30 days. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I previously resided at an apartment managed under XXXX XXXX During my tenancy, there was a major incident where a water tank from the unit above me burst, causing my ceiling to collapse and resulting in water damage to my personal belongings. The property management failed to properly address the damage. During this time, the apartment complex refused to accept my rent payments while an eviction process was ongoing. The matter was later resolved through court proceedings with an agreement that no additional balance would be owed. Despite this, a collection account for approximately {$17000.00} has been reported, which does not reflect the outcome of the legal proceedings. I have attempted to resolve this issue directly, but no proper validation or explanation of the balance has been provided. Additionally, the collection agency has engaged in improper practices, including repeated phone calls and disclosing information about this alleged debt to a third party ( my father ). I am requesting immediate correction and removal of this inaccurate account and that all improper collection activity cease.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A number from WellsFargo contacted me about fraudulent charges that were happening and if it was me they continued to instruct me to XXXX a manager but I clearly was scammed and sent the money believing them I XXXX {$1700.00} on XX/XX/year> I only had {$12.00} in my account and now Wells Fargo has over drafted me {$1700.00}.

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 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
Complaint Against : Waypoint Resources Group LLC Product : Debt Collection Issue : Unverified debt / Inaccurate reporting / Non-response I am submitting this complaint regarding a debt account being collected by Waypoint Resources Group LLC, currently reported as {$1300.00}. This complaint raises new and unresolved issues : 1. Failure to Provide Verification of Debt I requested full documentation to verify the debt, including the original account details, the amount claimed, and any supporting calculations. The debt collector has ceased all communication and has not provided any verification. 2. Unverifiable and Potentially Inaccurate Balance Because the debt collector has not provided documentation, there is no way to confirm that the {$1300.00} balance is accurate. Reporting a debt without verification is inaccurate and misleading. 3. Potentially Improper Account Reporting If this debt has been reported to credit bureaus, it may appear as active or open despite being unverified. Unverified accounts should not be reported as valid. 4. Failure to Conduct a Reasonable Investigation / Non-Response The debt collectors lack of communication demonstrates a failure to respond or verify the debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Requested Resolution : Provide full verification of the {$1300.00} debt, including original documentation and itemized balance calculation Correct any inaccurate reporting to credit bureaus If the debt can not be verified, remove it from all credit reporting agencies I am requesting a full and proper investigation into the debt collectors failure to respond and the unverifiable nature of this debt.

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 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One ( by merger took over Discover Card ). Capital One never provided me proof of the merger. Capital One never sent me any adverse action notices before taking the alleged debt owed. Capital One has never properly served me any documents. ( A XXXX male impersonating a XXXX mail carrier knocked on my door stating he had a package I needed to sign for. When I came to the door he handed some papers and laughed. He never said " you've been served '' or gave me any indication the papers he handed me were legal documents ). These documents were delivered to me over 30 days after it was filed so that when I went to file my answer they at first told me it was too late to respond. I then received information from the courts that a hearing was scheduled on XX/XX/year>. Shortly before the hearing date I received documents from the court that a judgement had been entered with me without going to court. I never received any documentation that the hearing was waived or whatever the case was that allowed Capital One to enter a judgement without my being able to defend myself. I have filed a motion to vacate the judgment twice now with supporting statements and legal support including the FDCPA and consumer rights and protections. None of these statements of fact I have stated have ever been addressed by or answered with any supporting documentation by Capital One or the courts. My consumer rights and protections were violated when I was never notified of the supposed merger with Capital One taking over Discover. Capital One has violated FDCPA laws by not sending any adverse action notices prior to their filing of court paperwork. Capital One violated my rights per civil case laws by never properly serving me and their inability to demonstrate I was properly service. The improper service violated my right to notice and the opportunity to defend myself. The fact I was never properly served violates the FDCPA due to the false representation of the individual sent out by Capital One who falsely represented himself as a postal. The deceptive means and practices of the improper service is in violation FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: NY

Complaint narrative:
On XX/XX/XXXX, an unauthorized transaction of {$180.00} was charged to my business checking account ending in XXXX. I reported this transaction to the bank and requested a full investigation, including details on how the transaction was authorized, supporting documentation, and merchant information. My claim was received on XX/XX/XXXX and denied the next day, XX/XX/XXXX, with the bank citing a XXXX reporting requirement. The denial was communicated by a supervisor named XXXX. I was told I would receive documentation within 5 business days, but I had requested additional information previously, which I did not receive. I believe the claim was not fairly reviewed, and the bank did not provide a proper investigation or explanation for denying the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am filing this complaint because Resurgent Capital Services continues to contact me regarding an alleged time-barred debt after I have repeatedly instructed them in writing to cease all communication on. This complaint is not about the validity of the debt. It is solely about their failure to comply with my written request to stop contacting me. I sent multiple written requests directing Resurgent Capital Services to cease all communication regarding this alleged debt. Despite this, they continued to contact me. Most recently, in response to my complaint, they sent a 22-page package of documentation discussing the alleged debt and asserting that I owe it. I did not request validation or documentation at any time. Their response falsely claims they were providing documents requested by the consumer, which is incorrect and false. Under the Fair Debt Collection Practices Act, once a consumer submits a written request to cease communication, a debt collector must stop contacting the consumer except for very limited purposes ( such as confirming cessation or notifying of specific legal action ). Resurgent Capital Services has ignored my written cease requests, continued to send collection-related communications, mischaracterized my request as a validation inquiry. Sending a 22-page collection response after being told to stop contacting me is itself continued collection activity, not compliance. I will file a complaint for every FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding three credit card accounts : Capital One ( ending in XXXX ), Ally Credit ( ending in XXXX ), and XXXX XXXX ( ending in XXXX ), each reporting a 30-day delinquency for XX/XX/year>. Due to a serious medical condition during that time, I experienced significant memory impairment affecting my daily functioning. As a result, I unintentionally missed these payments. This was not a reflection of my willingness to meet my obligations, but rather a direct consequence of my health challenges. Since then, I have paid all three accounts in full ( approximately {$7000.00} total ) and have made every effort to remain in good standing. I respectfully request a one-time goodwill adjustment to remove the reported 30-day delinquencies from my credit history. These marks are currently hindering my financial stability during my senior years, and I would deeply appreciate your consideration given the circumstances. Thank you for your time and understanding. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNCOAST CREDIT UNION
State: MA

Complaint narrative:
On XX/XX/XXXX I answered an ad that I thought was my friend selling items to help raise money for someone's father I was shocked to find out that I wired money to a fraudster who was impersonating my friend the money went to a bank account in XXXX to a person named XXXX XXXX the routing number is XXXX the account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have notified the XXXX Police I have notified The XXXX police I have notified Suncoast Credit Union where the fraudster has a bank account I have notified my bank XXXX XXXX XXXX and XXXX XXXX I have filed a police report filed an F report bi report filed a Federal Trade Commission report and no one is doing anything and I am out {$5500.00} as a XXXX XXXX XXXX

Company response to consumer: Closed with explanation