vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I am filing this complaint regarding a serious mortgage servicing error involving XXXX misapplication and duplicate tax collection. Between XXXX and XXXX, I made all required monthly mortgage payments, including XXXX payments designated for XXXX XXXX property taxes. During those years, my loan was serviced by XXXX XXXX XXXX. Despite my payments, XXXX XXXX marked my property taxes as unpaid and initiated proceedings that placed my property at risk of tax sale. I later learned that XXXX had paid property taxes to the wrong parcel number for three consecutive years. After my mortgage servicing transferred to Mr. Cooper, they paid {$38000.00} in back taxes, penalties, and interest to prevent further action by the county. However, Mr. Cooper did not credit my XXXX account for the funds previously collected and disbursed during XXXX. Instead, they are now charging me again for those same tax years through an XXXX shortage calculation. I have been paying those extra charges to Mr. Cooper since XXXX of XXXX. I have already provided transaction histories and documentation showing that I paid XXXX during the affected years. Nevertheless, the servicer is requiring me to obtain copies of endorsed checks from the prior servicer, effectively placing the burden of resolving their internal servicing error on me. This situation has caused : * Risk of property tax sale despite timely payments * Financial harm through duplicate tax collection * Significant stress and time spent attempting to resolve the matter * Ongoing XXXX overcharges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My bank Wells Fargo, accepted three checks and all went from pending to approved status. After two days. They took all three checks and returned them to the bank in which they came. XXXX XXXX XXXX. I was then told that I need to pay Wells Fargo back for the checks in 2 days or lose the account.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
Validation of Debt Request - RADIUS GLOBAL SOLUTION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-02 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: AL

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FLAGSHIP FINANCIAL GROUP LLC
State: MS

Complaint narrative:
I am filing this complaint due to repeated failed attempts to contact Flagship Financial Group regarding my loan and obtain basic information about my account. I began contacting the company at approximately XXXXXXXX XXXX. As of XXXXXXXX XXXX, I had placed over 12 calls in an attempt to speak with someone about my loan. Each time I reached a representative, I was immediately transferred to another department. When I was transferred to the reinstatement department, the call was disconnected. This happened approximately three times. When I called back, the regular customer service representatives stated they were unable to assist me and immediately transferred me again. The call would then disconnect. During one call, I was told they could not see my call in their system and therefore could not assist me. The last several calls I placed ( approximately seven ) were not answered at all. The automated system stated they were unable to accept my call. It appears my calls are being blocked, as I am no longer able to reach anyone whatsoever. During my initial call, I asked simply for general information regarding my loan, including my overall loan details. I was told the representative could not provide that information and was transferred. When I asked for a supervisor, the call was disconnected. In addition, I am unable to access my online portal to view my loan statements or any information regarding my account. I currently have no way to obtain information about my own loan.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have an account with citibank. I recently changed the address as we moved to XXXX from XXXX XXXX in the XXXX XXXX XXXX ( had an XXXX XXXX address provided by consulate ). Citibank froze our accounts on XX/XX/XXXX, and I can not get access to my funds. I called several times to get an idea of when they will unblock them and they say they can not tell me when that will happen. They told me I have to go to a branch, but there are not any in XXXX ( closest is in XXXX XXXX ). When I explained I'm in OR because my father is in hospice and I'm unable to go to a branch, they said they'd expedite the unblocking, but they still haven't done it. I need those funds -- my husband 's pension funds and my paycheck go into that account ( we've had it since XXXX ). Please help us. My telephone number is 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am disputing a recurring delinquency status and a total of {$220.00} in late fees resulting from a payment processing error by Santander XXXX XXXX On XX/XX/XXXX, a payment of {$340.00} was successfully withdrawn from my bank account via electronic bill pay ( Transaction Web ID : XXXX ). My bank statement confirms this transaction was completed and never returned. However, Santanders internal ledger failed to credit this payment, instead showing an unexplained " reversal '' on XX/XX/XXXX. Because Santander failed to properly apply the XX/XX/XXXX payment, they have incorrectly flagged my account as " past due '' for the last 13 months. This has resulted in : Monthly late fees of {$17.00} totaling {$220.00}. Inaccurate derogatory reporting to all three credit bureaus for over a year. Excessive interest accrual on an incorrect principal balance. I have attempted to resolve this multiple times by phone, providing the specific Transaction Web ID to agents ( including Agent XXXX XXXX Agent XXXX XXXX on XX/XX/XXXX ), but they refuse to acknowledge the bank-verified proof of payment. I am paying the account in full UNDER PROTEST today to stop further interest charges and secure my vehicle title.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I canceled my XXXX account in XXXX. The agent I spoke to was argumentative and rude. The agents there must really get in XXXX when clients disconnect services. I paid my final bill and then they billed me for an extra month {$100.00}. I disputed the charge with them and they refused to remove the charge. There must be penalty for the agent for doing that too. Since then they have sent this to a couple of credit companies and reported it to the credit bureaus. I have disputed this XXXX XXXX of the bureaus at least XXXX time to each XXXX and have confirmation that this was resolved. Now I am getting collection notices again. I disputed this with XXXX XXXX and have not gotten a response. I know of others who have had the same kind of experience and posted on social media.

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 2026-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Full Circle Financial Services, LLC
State: TN

Complaint narrative:
I contracted with a debt consolidation company to handle my debts in XX/XX/year>. This includes a loan through XXXX XXXX. According to my debt consolidation company profile, they are in ACTIVE negotiations with the company when I received a letter from a collection agency called Full Circle about the debt stating the amount owed is much higher. I already informed XXXX XXXX numerous times that I had placed my debts with the debt consolidation company, requested XXXX contact from them or their agents, and know they are in active negotiations. This is an attempt to scare me to pay more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a XXXX consumer with limited income who notified Bank of America of my disability-related hardship and requested payment assistance. On or around XX/XX/year>, Bank of America approved a hardship payment plan for my credit card accounts and provided a due date of XX/XX/year>XXXX for my first modified payment. I had not missed this payment, and the hardship arrangement had not even begun yet. However, on XX/XX/year>, Bank of America closed all three of my credit card accounts without warning, despite the active hardship plan they had just approved. I received only a generic account closure notice with no explanation. This sequence of events is extremely concerning because : I disclosed XXXX and requested reasonable hardship accommodation. Bank of America agreed to a payment plan with a set date. I was not late, and had not breached any arrangement. Before I could make the agreed hardship payment, all of my accounts were closed. No explanation was provided, and no opportunity to comply with the hardship plan was given. This feels like adverse action taken during a XXXX-related hardship request, which has caused significant emotional stress and financial instability. If the bank approved a modified plan, it is unclear why they would close every account before the first scheduled payment date. I am asking the CFPB to review whether Bank of America : acted fairly when handling my XXXX-related hardship request, prematurely closed my accounts in contradiction to the approved hardship plan, failed to offer reasonable accommodation for a XXXX consumer, and took adverse action without proper explanation or notice. I am requesting a review of the closures, the lack of accommodation, and the hardship handling process.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I am filing this complaint against SoFi regarding my personal loan refinance/extension application process. I have an existing SoFi personal loan with a current monthly payment of approximately {$2200.00}. In XX/XX/XXXX ( around the time of this application ), after making XXXX on-time payments, I sought to extend the loan term ( e.g., to 84 months ) for lower monthly payments, even if it meant paying additional interest over time.I was directed through the SoFi website 's messaging center, where I was told a representative could assist with extending the terms. This led me to reapply/refinance the loan. During the application : I connected my checking account via XXXX. This is the same account I've used for nearly 24 years to receive consistent auto-deposits from my unchanged employer, and it's the same account from which all my SoFi payments have been successfully made for the past ~24 months. I uploaded the last 3 months of bank statements as additional proof and my drivers license. My employment and income situation have remained stable and unchanged since my original SoFi loan approval ~24 months ago, when no employer verification was required. In fact, I received a raise in XXXX XXXX Despite providing this documentation ( which clearly shows long-term, consistent employment and deposits from the same source ), SoFi has refused to proceed with the application and is now demanding Verification of Employment ( VOE ). They require me to have my employer ( located downtown, requiring an in-person or additional effort ) complete and return a specific VOE form directly to SoFi via email or fax. This was not required for my original loan application, creating an inconsistent and burdensome process.This extra step is delaying approval of a refinance that would provide much-needed payment relief after consistent on-time payments. The process feels misleadingI was guided to reapply expecting standard verification ( XXXX + statements ), but now face unnecessary hurdles despite strong evidence of stable employment. This has caused frustration, time loss, and ongoing financial strain from the high monthly payment. I agreed to connect my bank with XXXX. It is the same account of all my direct deposits from the same employer of almost 24 years, the same account Sofi has been taking out the payments out of monthly. I WAS NOT REQUIRED to go through the VOE the first time but submitted things exactly the same way this time. You can see all of the income with XXXX being connected to my bank account In addition, I did not want any additional funding. Due to some unforeseen challenges with my daughter 's health, I was hoping to extend the length of the loan to help make the payments less monthly but still repay it. I can provide proof of what my daughter is going through. Sofi made it seem like I could extend the length of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Dear Barclays Bank Delaware ( XXXX XXXXXXXX Account ), I am writing regarding the XXXX XXXX account currently being reported under my name. This is a formal follow-up to my dispute submitted on XX/XX/year>. As of today, you are well beyond the required timeframe to investigate and respond to my dispute, and I have not received any documentation or validation of this alleged account. Your failure to respond and failure to provide verification within the required timeframe constitutes noncompliance with the Fair Credit Reporting Act ( FCRA ). I dispute this account in its entirety. Additionally, I must formally state that the address XXXXXXXX XXXX XXXX XXXX XXXX, NC has never been associated with me at any point in my life, including during my time as a minor. Any reliance on this address to verify this account is inaccurate and invalid. To date, you have failed to provide : A signed application or agreement Proof of identity verification used to open the account Any identification used to establish or verify this account Account statements or transaction history Any documentation showing I authorized or benefited from this account Despite your failure to validate and verify identity, this account continues to be reported on my credit report as negative, which is inaccurate and harmful. Because you have failed to respond within the legally required timeframe and have not provided any identification used to verify this account, this account must be deleted immediately. I am demanding the following : Immediate deletion of this account from all Consumer Reporting Agencies Immediate cessation of all reporting related to this account Written confirmation of deletion No further investigation is warranted due to your failure to comply within the required timeframe. If this matter is not resolved immediately, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, and will pursue all available legal remedies for willful noncompliance. This is my final notice. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against Bank of America regarding a disputed ATM transaction involving a malfunctioning machine. At the time of the transaction, the ATM failed to properly process the deposit/withdrawal. I immediately reported the issue. The bank later issued a partial credit of {$1900.00} without providing any documentation, investigation details, transaction verification, ATM balancing records, or video review confirmation explaining how that amount was determined. I formally disputed the findings in writing last week and requested a full investigation report, supporting evidence, and reimbursement for financial damages caused by their negligence. Bank of America has failed to respond. As a result of this unresolved error, I have incurred financial harm including interest charges, delayed payments, and additional economic

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 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: AZ

Complaint narrative:
2013 XXXX XXXX XXXX book is around XXXX total loan amount was XXXX $ payments are XXXX $ a months the remaining pay off is XXXX Ive sent them a email about adjusting the pay off amount they said they dont do that. I had a rough patch which revolved in late payments thats on my credit Ive talked to them numerous times trying to work with them and they wont do anything they wont work with me they wont adjust the amount or anything. Were paying XXXX more then the cars worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal credit union have black listed me for an overdraft fees I didn't do now I can't open a bank account with any credit union anymore

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation