vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: CA

Complaint narrative:
I am filing a complaint against FMA Alliance regarding an alleged debt of {$4400.00} that is currently being reported and/or collected. I do not recognize this debt and have no knowledge of ever owing this account. FMA Alliance has attempted to collect on this account ; however, they have failed to provide adequate validation of the debt. I have not received documentation identifying the original creditor, a complete and accurate account history, or any signed agreement showing that I am legally responsible for this debt. Additionally, the amount being reported is unclear and has not been properly verified. Reporting or attempting to collect on a debt without proper validation is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite the lack of validation, this account is being reported and/or pursued, which is negatively impacting my credit. I am requesting that FMA Alliance : XXXX. Provide full and proper validation of this alleged debt, including all required documentation, or XXXX. Immediately cease all collection activity and permanently remove this account from all credit reporting agencies. If FMA Alliance is unable to provide sufficient proof, they must delete this account and stop all communication regarding this matter. I am also requesting that all future communication be conducted in writing only. I appreciate your assistance in resolving this matter and ensuring my consumer rights are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I am writing to formally dispute a collection account currently reported by XXXX under Account # XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX Upon reviewing my credit report on XX/XX/year>, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, as they failed to provide a mandatory dunning notice within five days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only XXXX in my mentorship program to get denied for the $ XXXX startup loan. In the XXXX XXXX, under the standard set in XXXX v. XXXX XXXX XXXX, a collector must provide account-level documentation to verify a debt once it is disputed ; a mere computer printout is insufficient. Furthermore, per 15 U.S.C. 1692g ( b ), the collector is legally required to cease all collection activityincluding credit reportinguntil they provide legal verification. By continuing to report this unverified debt while I am in an active dispute, they are engaging in illegal " debt parking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I called Synchrony at XXXX between XXXX XXXX and XXXXXXXX XXXX XXXX regarding deferred interest of {$2600.00} applied to my store credit card on XX/XX/year>. I first spoke with an agent who transferred me to a manager named XXXX. Manager XXXX provided case number XXXX and committed to removing the {$2600.00} deferred interest charge. Manager XXXX then requested that I make a payment over the phone as part of the arrangement, which I did immediately paying {$370.00} by phone during that same call as good faith. Synchrony then sent a letter dated XX/XX/year> acknowledging my request but denied it the same day the promise was made. It is important to note that Synchrony had already processed an automatic payment of {$200.00} on XX/XX/year>. I would have no logical reason to make an additional voluntary payment of {$370.00} just days later on XX/XX/year> unless I was acting on a specific promise made by their manager. Furthermore, this payment was made over the phone at manager XXXX 's direct request during that same call making it impossible for Synchrony to claim no commitment was made. The payment itself was initiated by their own manager as part of the agreement. I made consistent on-time payments for XXXX years on an original purchase of {$5400.00}. I made a {$1300.00} payment in XX/XX/year> specifically to reduce the promotional balance. Only {$540.00} remained when the promotion expired a small shortfall I was not clearly notified about in time to remedy. Synchrony already acknowledged the validity of my concern by partially refunding {$340.00} on XX/XX/year>. On XX/XX/year>, a Synchrony manager also hung up on me during a follow-up call. I request Synchrony pull the call recording for XX/XX/year> between XXXX XXXX XXXXXXXX, case number XXXX, manager XXXX, and honor the commitment to remove the {$2600.00} deferred interest charge.

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 2026-04-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
As a birthday gift, my son was given a Regions Bank prepaid XXXX loaded with {$100.00}. The card expiration is XX/XX/XXXX. We have learned that even though the card has not been used once, there is no money on the card due to Regions charging fees. They have charged inactivity fees and monthly fees even though the card has not expired and does not expire until XX/XX/XXXX. I contacted Regions and was told this is their policy. I do not understand how this can be allowed. There was a sum of money put on a card that has not expired and the bank takes the entire amount without the consumer getting anything. I can not understand how this is allowed after XXXX XXXX I had to explain to my son that the bank literally took his money. Regions Bank is certainly not client centric. Hopefully others may learn from this.

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 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Imprint Payments, Inc.
State: VA

Complaint narrative:
After my account was transferred from Synchrony Bank to Imprint, incorrect deferred interest was applied despite a XXXX promotional term shown on my statements. The company later agreed to waive the charges and provided a final payoff amount ( reference # XXXX ), but refuses to provide written confirmation, preventing me from completing payment. Detailed background : I am filing a complaint regarding my XXXX Visa / Imprint account. My purchase in XX/XX/XXXX was on a XXXX deferred interest promotion ( expiring around XXXX XXXX ). My account statements reflect this XXXX term. In XX/XX/XXXX, my account was transferred from Synchrony Bank to XXXX. Following this transfer, my account was incorrectly charged deferred interest and fees totaling approximately {$2100.00}, based on an assertion that the promotion expired in XX/XX/XXXX. I contacted the company multiple times starting in XX/XX/XXXX to dispute these charges. On several occasions, I was told a dispute would be opened, but it was not. The dispute was only properly opened after escalation in XX/XX/XXXX, and I was advised it would take several weeks to resolve. In XX/XX/XXXX, I received a response again asserting the promotion expired in XX/XX/XXXX, which directly contradicts my account statements showing a XXXX term. After further escalation, the company verbally confirmed that the disputed interest and fees would be waived if I paid the remaining balance. I agreed. I was provided a final payoff amount of {$2500.00}, with reference number XXXX confirming this resolution. However, despite referencing this approved resolution, the company has refused to provide written confirmation that this amount will satisfy the account in full. I was explicitly told they are unable to provide written confirmation, and a supervisor ended the call when I requested it. I am ready to make payment immediately but can not reasonably do so without written confirmation of the agreed payoff and that the account will be settled in full. I am requesting that the company : 1. Confirm in writing that {$2500.00} is the full payoff amount ; 2. Confirm that payment of this amount will satisfy the account in full with no remaining balance, interest, or additional charges ; and 3. Correct any internal records to reflect the correct XXXX promotional terms and ensure no additional deferred interest is applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX Re : Complaint Against Hyundai XXXX XXXX Unlawful Repossession To Whom It May Concern : I am filing a formal complaint regarding the repossession of my XXXX XXXX XXXX XXXX ( XXXX ending XXXX ) on XX/XX/XXXX, from my property at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Summary of Issues : The repossession was conducted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, acting under the authority of XXXX XXXX XXXX / Hyundai Capital. I verbally objected and stated my intent to cure the alleged default the following day. Despite my peaceful protest, the vehicle was seized. I was denied access to retrieve personal property valued over {$500.00}. The repossession caused shame, embarrassment, and emotional distress. Legal and Regulatory Violations : 1. Breach of Peace UCC 9-609/ Missouri Law : Secured parties may repossess collateral only without a breach of the peace. Seizure after a peaceful objection and declaration to cure constitutes an unlawful repossession. 2. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Proceeding after objection and withholding personal property appears abusive and deceptive. XXXX. Potential Servicing Violations : Failure to respond to written demand for return of vehicle and personal property. 4. Consumer Harm : Denial of property, loss of use, and emotional distress. Requested CFPB Action : 1. Investigate XXXX XXXX XXXX repossession and compliance practices. 2. Require written explanation for the legal basis of the repossession. 3. Suspend any sale or transfer of the vehicle pending investigation. 4. Address the denial of access to personal property and associated damages. Thank you for reviewing this matter. I request prompt investigation and corrective action to prevent further harm. Respectfully submitted, XXXX XXXX XXXX XXXX, Missouri

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/2026, I received an email from Huntington Bank stating that my account may be closed if I did not contact them. I also received a separate email the same day regarding overdraft options, which created confusion about the status of my account. I contacted the bank immediately and spoke with a customer service representative, who transferred me to another department. During that call, I attempted to explain the activity on my account. However, the second representative explicitly stated that I was not allowed to provide any explanation or additional information. I was told that the company had already made the decision to part ways and that I would not be permitted to open an account with Huntington Bank in the future. The only reason provided for the closure was suspicious activity, with no further details or explanation. I was not given a meaningful opportunity to verify or resolve the activity. The activity in question consisted of legitimate XXXX transactions between family members for the purpose of splitting and paying a shared phone bill. These were normal transactions between known parties. As a result of the account closure, I lost approximately {$190.00} {$200.00} that was in the account. Additionally, I am now unable to make a scheduled phone bill payment, and my service may be canceled if payment is not made by XX/XX/2026. I also spent significant time attempting to resolve the issue, including a phone call lasting over XXXX minutes, without any resolution. Notably, my debit card arrived the same day this issue occurred, further contributing to the confusion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC
State: TX

Complaint narrative:
On day XX/XX/year>, my mortgate XXXX reaches to sub 78 % level through scheduled payment. Then I requested PMI removal for the following days, and also requested that many times through XXXX. I called the loan company a few times, they insisted that I need to do an apprisal and pay an apprisal fee in order to remove the PMI. They continued charging me PMI on XX/XX/year> for {$100.00}. Until XX/XX/year>, after I call them, escalated this issue, they still insist on an apprisal is required and I need to pay the apprisal fee, which at this time my XXXX is at 77 % with original value.

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 2026-04-09 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Company : Wells Fargo Bank , N.A . Disputed Amount : {$520.00} ( {$260.00} x XXXX ) Dates of Transactions : XX/XX/XXXX and XX/XX/XXXX Description of Incident : I am filing this complaint because Wells Fargo has repeatedly denied a legitimate dispute regarding XXXX unauthorized towing charges totaling {$520.00} from XXXX XXXX XXXX. Despite providing clear, written evidence from my apartment management admitting the tows were an error, Wells Fargo continues to rule in favor of the merchant. My XXXX XXXX XXXX was towed twice due to an expired temporary tag. However, I had a verbal agreement with my apartment complex management that the vehicle would not be towed while I awaited registration documents. Following the tows, I obtained an email from the apartment complex management confirming that the vehicle should not have been towed and acknowledging their error. Wells Fargos justification for denial is that I signed a " no-dispute '' document at the tow yard. I have explained to Wells Fargo multiple timesincluding to a US-based representative who acknowledged the validity of this pointthat these documents were signed under duress. The towing company refused to release my primary vehicle unless I signed their form. Per consumer protection standards, a signature obtained under the threat of withholding personal property does not constitute a valid waiver of dispute rights, especially when the underlying service ( the tow ) was unauthorized. I have submitted the management 's email and explained the circumstances of the duress, yet Wells Fargo has failed to perform a meaningful investigation into the merchants lack of authority to tow the vehicle. Desired Resolution : I am requesting a full reversal of the XXXX {$260.00} charges ( {$520.00} total ) to my account. I also request that Wells Fargo review the provided documentation from the apartment management, which supersedes the predatory " no-dispute '' form signed at the tow yard. I will be moving my business to XXXX XXXX as Wells Fargo does not protect its customers or have their backs.

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 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
I am disputing an alleged debt assigned to Waypoint Resource Group LLC on behalf of XXXX XXXX XXXX XXXX ), which appears on my Equifax and TransUnion credit reports. I do not recognize this debt and have never received any bills, statements, or communications at my current address regarding this account. This debt was reported to the credit bureaus without my knowledge or opportunity to resolve it, and it has unfairly damaged my credit score. I am requesting that Spectrum and Waypoint Resource Group LLC provide full validation of the debt, including documentation of the balance, billing statements, and proof that I was notified prior to sending it to collections. Until proper validation is provided, all collection activity and credit reporting should cease immediately. If the debt can not be fully validated, I demand that it be removed from my credit reports. Reporting a debt without verification violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that the CFPB take action to ensure this matter is properly investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I reviewed my consumer credit reports and identified multiple accounts and tradelines that are inaccurate, unauthorized, or do not belong to me. Certain items are reported inconsistently across credit reporting agencies, reflect conflicting dates of first delinquency, or lack documentation establishing my legal obligation for the alleged debts. I submitted an Identity Theft Report to the Federal Trade Commission asserting that this information is the result of identity theft, misattribution, or unauthorized use of my personal information. Despite notice, the credit reporting agency continues to report the disputed information without demonstrating lawful verification. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft or misattribution unless it can be fully verified in compliance with federal law. I am requesting immediate compliance and removal or blocking of the inaccurate information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XXXX XX/XX/year> the account was opened with a check. It was placed on hold for XXXX days to verify that it was in fact a real check. XXXX. Then a transfer was made into the account. This money had no hold on it. I went to do a wire transfer with only the money that was transferred into the account, not the money that was on hold. When I went to do so the fraud department of the bank called me. Claiming that they were verifying that the transaction was not fraudulent or a scam. I reassured them no fraud or scam was being done. They started asking me questions. Some had to do with me, others did not. I answered all questions correctly. They told me that they had determined that I was trying to intentionally or unintentionally perpetuate a fraud or scam, since in their opinion I had not properly answered all of their questions. I told them the person in question that I was sending money toXXXX I had been sending them money now for a year, in other platforms. They said that I should have said that first. I responded that they had never asked me if I had sent money in the past before. The bank is Chase Bank. The same day the fraud department called me they closed the account after 3 weeks. I went to the bank they told me that a restriction on the account and no money could be withdrawn without going through the back office I sat at the bank and followed all of the prompts on a bank phone to get them to explain to the bank what was going on, since they refused to communicate with me. I called a bank employee over to me when I had the back office on the phone ( fraud department for the bank ). Once the employee was on the phone it was a short conversation but intense. I kept asking questions and getting a brick wall. I wasnt told until XXXX business days later that the account was closed. It was at XXXX business days that the bank informed me that the money in the account was under evaluation to determine whether or not I would be able to get it at all. I informed the bank that if I wasnt going to have access to the money I would see to it that every single XXXX was clawed back by the people that a wrote the original check and b transferred the money. XXXX business days after the phone call from their fraud department I received a check by ups from Chase Bank. My question is and always will beXXXX How can a bank close an account with minimal information and the account is not being overdrawn?XXXX Im not interested in going back to Chase Bank I am interested in answers. I can be reached at ( XXXX ) XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute a collection account currently reported by Online In Sv under Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing my credit report on XX/XX/year>, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, as they failed to provide a mandatory dunning notice within XXXX days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only XXXX in my mentorship program to get denied for the $ XXXX startup loan. In the XXXX XXXX, under the standard set in Hinkle v. Midland Credit Management, a collector must provide account-level documentation to verify a debt once it is disputed ; a mere computer printout is insufficient. Furthermore, per 15 U.S.C. 1692g ( b ), the collector is legally required to cease all collection activityincluding credit reportinguntil they provide legal verification. By continuing to report this unverified debt while I am in an active dispute, they are engaging in illegal " debt parking.

Company response to consumer: Closed with explanation