vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AmeriCollect
State: FL

Complaint narrative:
I am filing this complaint regarding two medical bills of {$1500.00} each ( total {$3100.00} ) for services received on XX/XX/year> at XXXX XXXX XXXX XXXX XXXX. These services were allegedly covered by XXXX XXXX XXXX XXXX XXXX, and all communications were handled through their representative, XXXX XXXX. The insurance coverage is no longer valid and, and there is no evidence that I am legally responsible for these debts. I never contacted the hospital directly ; all communications regarding these claims were through XXXX XXXX. I personally communicated with AmeriCollect and XXXX XXXX, demanding resolution of this debt. Despite these efforts, the debt was still reported to my credit record, negatively affecting my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I called Capital one to get information on how to retrieve my persoanl property. She asked me if i was represented by a lawyer and i said yes but i only want to discuss getting my personal property. Since i have a lawyer they said not provide me with the information to get my personal belongings. Its not a legal matter so i dont know what the issue is with providing me with my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting this complaint regarding a denied claim involving transactions from my Navy Federal account through XXXX XXXX. On XX/XX/year> at approximately XXXX XXXX, I was approached in person by multiple individuals who engaged me in what appeared to be a harmless game. Through deception and manipulation, they convinced me to send money using XXXX XXXX under false pretenses. I did not understand that I was being scammed until after the funds were sent. The transactions included a transfer from my savings account to my checking account, followed by an attempted XXXX XXXX transaction that was canceled, and then two completed XXXX XXXX transfers of {$2000.00} each to phone numbers I had never interacted with before. These transactions occurred within minutes of each other. I received notifications and contacted Navy Federal immediately at approximately XXXX XXXX to report the activity. I have been a member for over 15 years and have no history of sending large XXXX XXXX transactions or sending money to unknown individuals. This activity is completely outside of my normal account behavior. Although the transactions were initiated from my device, they were made under deceptive circumstances as part of an in-person scam. I did not knowingly or willingly intend to send money to these individuals in a legitimate transaction. My claim was denied on the basis that the transactions were authorized. I am requesting a reconsideration based on the fact that this was fraud by deception. This situation has caused significant financial hardship, and I am requesting a thorough review of my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am Request debt validation on all account which a multiple to prove they legally own the debt. I will also like to see the contract that I have sign with your company for said account if you are unable to provide me with a signed arrangement between myself and LVNV funding LLC please remove this immediately XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IA

Complaint narrative:
I am filing a complaint regarding an inaccurate collection account being reported on my credit file. Eastern Account System is reporting a collection account on behalf of XXXX XXXX XXXX that does not belong to me. I have not had XXXX service in over 10 years and did not open any account in XXXX. I was never contacted about this alleged debt prior to it appearing on my credit report. I disputed this account with XXXX, and it was removed due to a lack of verification. However, XXXX and XXXX claim the account is verified without providing any documentation showing that I am responsible for this debt. I am requesting full validation of this debt, including the service address, account opening documentation, and proof that I agreed to or am responsible for this account. If this information can not be provided, this account must be removed from my credit report immediately. I believe this account has been incorrectly attributed to me, or may be the result of a mixed file or identity error.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: Chime Financial Inc
State: KY

Complaint narrative:
My phone was stolen and my chime account has been hacked for months they finally closed the account after I kept requesting it because my money kept being stolen from taxes to school checks etc! They money was already set to be sent to chime for my tax refund etc and I was unable to stop my funds from being deposited chime has allowed my account to continue to be hacked and sports betting fraud etc has continued to happen I won a large dispute for one with XXXX bet for XXXX and now that its XXXX for the same issue since the date the phone was stolen they continue to deny that amount for temporary credit because it is high but thats no excuse I need my money back I worked hard for my money and did not authorize or have any business with these merchants

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I have been a Cash App customer since XXXX and have used the platform without issue for several years. On XX/XX/XXXX, I was notified that my account had been blocked for allegedly violating the Terms of Use. I immediately contacted customer support to request clarification on the specific violation. The representative was unable to provide any details and advised that the only available option was to submit an appeal. On XX/XX/XXXX, I received notification that my appeal had been denied and that my account has been permanently closed. To date, I have not been provided with any specific explanation regarding the alleged violation. All communication has consisted of generic, non-specific language. My use of Cash App has been limited exclusively to personal transactions within a small circle of friends ( gifting circles ). I have not used the platform for business or any prohibited activities. The lack of transparency in this matter is concerning. As a financial services provider, restricting and permanently closing an account without providing a clear and specific reason prevents the consumer from understanding, disputing, or correcting any alleged issue. This raises concerns regarding fair treatment and transparency in consumer financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I financed the purchase of airline tickets through XXXX XXXX XXXX XXXX ( a buy-now-pay-later installment lender ) for travel on XXXX XXXX for myself, my partner , and my XXXX infant son. On XX/XX/XXXX, I became ill with respiratory symptoms. On XX/XX/XXXX, I cancelled the trip to protect my infant child and elderly family members from potential illness exposure. On XX/XX/XXXX, I was diagnosed with XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. I have a documented positive test result signed by a licensed pharmacist. My trip was scheduled for XX/XX/XXXX. I never traveled. I never received the services for which the financing was obtained. XXXX XXXX refused to issue a cash refund and instead provided a travel credit of {$2100.00}. I was unable to use this credit. I pursued a formal refund request with XXXX XXXX on XX/XX/XXXX, which was denied. I had also purchased XXXX XXXX XXXX XXXX ( Policy # XXXX, XXXX XXXX ) and pursued a claim through that channel as well. Throughout this process, XXXX XXXX XXXX XXXX provided no consumer assistance, made no attempt to pursue the airline on my behalf, and reported my account as delinquent despite the documented fact that the financed service was never delivered. The account was subsequently sold to Jefferson Capital Systems LLC, which is now reporting a {$1600.00} collection balance on my XXXX, XXXX, and XXXX credit reports. I am disputing this debt in its entirety on the basis of failure of consideration I paid for a service that was never rendered. Collecting on a debt for services never delivered, after the consumer pursued every available remedy in good faith, constitutes an unfair and deceptive collection practice. I have submitted a formal certified mail dispute to Jefferson Capital Systems LLC demanding deletion of this account from all three credit bureaus. I am requesting that the CFPB investigate Jefferson Capital Systems XXXX 's collection practices on this account and require them to delete this account from my credit reports. I have documentation supporting all of the above facts, including the XXXX test result, the flight cancellation confirmation, the refund denial, and the travel insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Product : Money transfer Issue : Rental Fraud Scam I am filing a complaint regarding Wells Fargo 's handling of a fraud case involving {$2500.00}. I was the victim of a rental impersonation scam in XXXX XXXX XXXXXXXX. An individual posing as a legitimate real estate agent induced me to send two wire transfers from my Wells Fargo account : - {$850.00} - case currently under investigation - {$1700.00} - case closed by Wells Fargo The scammer provided a signed lease with option to purchase, management agreement, and deposit refund agreement for a real apartment listing and communicated through email addresses designed to impersonate a real agent : - XXXX XXXX Wells Fargo confirmed that both wire transfers were sent to two different accounts with the same XXXX address, which was flagged for fraud. Despite this clear linkage and that I was told both complaints would be linked, the {$1700.00} case was closed without a single ask for any backing documents while the {$850.00} case remains open. The fraud department indicated that both cases would be treated as part of the same investigation. However, the second claim was not considered in light of this connection. I am requesting that Wells Fargo : 1. Reopen and reconsider the {$1700.00} wire transfer claim 2. Treat both transactions ( {$2500.00} total ) as a single fraud event 3. Provide a detailed explanation of their investigation and recovery efforts 4. Confirm whether any funds were frozen or recovered from the receiving accounts I have filed reports with law enforcement, including the FBI Internet Crimes Complaint Center ( IC3 ) and the XXXX XXXX XXXX Police Department. I have supporting documentation including wire confirmations, signed agreements, full email correspondence, and a timeline of events, which I am prepared to provide. I am requesting assistance to ensure Wells Fargo conducts a full and fair review of both transactions given the clear evidence of fraud and account linkage. SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX my savings account was closed and the remainder of my funds were withdrawn. When I called to stop the closure, customer support could not tell me why it closed. I have always been in good standing with account balance. I never received a letter in the mail of the closure. My checking account is frozen. Neither myself nor the other account member can access the funds to transfer them into a different account. Neither of us have done anything wrong to deserve an account closure. Im now waiting on two checks and Ally refused to expedite them unless I paid a fee. I asked to speak to a supervisor who hung up on me. The two supervisors that I spoke to could not tell me why it was closed and did not transfer me to someone that could help. I was able to make purchases up until XX/XX/XXXX when everything stopped working. Since purchases are pending on the checking account, the check with my funds wont be mailed until the purchases go through. Their recommendation was to call back at the end of the week to request an expedited check. I wont have any money until those checks arrive. I should at the very least be able to transfer or XXXX the funds out and not have to wait for a physical check. Again, I did nothing to deserve an account closure. Ive been with Ally for years and always been in good standing. Its unjust for this to affect my ability to open accounts in the future when I have a XXXX XXXX XXXX and no delinquencies. Ally needs to do better. Their automated security systems are not working.

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 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
I am submitting a follow-up complaint regarding an unresolved issue involving an auto loan serviced by First Investors Servicing Corporation on behalf of Stellantis Financial Services . In response to my prior CFPB complaint, the company acknowledged that a servicing error occurred involving my mailing address. Specifically, an unnecessary Apt designation was added, which likely prevented delivery of the welcome letter and initial billing statement. Because of this error, I did not receive the normal billing notice required to establish the account and make the first payment. Despite acknowledging this error, the company has not provided a complete resolution. I requested that the first payment due date be adjusted to XX/XX/year> to reflect the lost billing cycle caused by their mailing error. This is a reasonable request intended to place the account in the position it would have been in had proper notice been provided. The account has been escalated internally ; however, I have not received any substantive response or resolution. I have made multiple follow-up attempts, including direct communication with the assigned representative, XXXX XXXX as well as outreach to the companys compliance department, and have received no response. Additionally, I received a call from an individual identified as XXXX with the Customer Experience Team at First Investors. During that call, he attempted to dictate what the company would or would not do, presenting himself as having final authority over the matter. This issue clearly exceeds the scope of a customer service representative, and no meaningful resolution can occur at that level. I do not consider that interaction to be a valid response or resolution attempt. This matter requires review and response from an authorized decision-maker with the capacity to resolve the issue appropriately. This issue is time-sensitive, as I am currently undergoing mortgage underwriting and require confirmation that the account is properly established, current, and not negatively impacting my credit profile. I am requesting the following : Adjustment of the first payment due date to XX/XX/year> Confirmation that no late fees or delinquency status will remain Confirmation that no negative credit reporting will occur Written confirmation that the account reflects accurate servicing following the acknowledged error The company has admitted the servicing error but has failed to provide a timely or complete resolution. I am requesting prompt intervention to ensure this matter is resolved fairly and without further harm.

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 2026-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
On XX/XX/year>, Mercedes-Benz Financial Services issued a written Vehicle Purchase Price ( payoff quote ) for {$29000.00}, valid through XX/XX/year>. The quote stated that the amount was calculated using their records as of that date. On XX/XX/year>, my lender mailed payment for the full quoted amount within the validity period. Mercedes-Benz Financial Services clamored they received the payment on XX/XX/year>. Mercedes-Benz Financial Services later stated that the account was closed on XX/XX/year> and added {$6000.00} in additional charges, including over-term fees, a residual/settlement adjustment, and a disposition fee. These charges were not disclosed in the XX/XX/XXXX payoff quote. I relied on the written payoff quote when sending payment. The additional charges were generated after the quote was issued and after payment was sent. I requested a full account ledger, payoff calculation, and itemization of the fees. Mercedes-Benz Financial Services has refused to remove the charges and is refusing to release the vehicle title unless these additional fees are paid. I am requesting that Mercedes-Benz Financial Services honor the quoted payoff amount, remove the additional fees, and release the vehicle title.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: MT

Complaint narrative:
I have been having problems with this company taking my money then saying there is something wrong with my debit card or my checking account and they refuse to call me or send out an email and plus they have no one you can talk to or the same person they dont take notes and put them in youre file they just keep telling different story 's .. plus they never contact you till XXXX at night when im sleeping .. they also changed my payment date from the XXXX of each month to the XXXX of each month without me knowing about it .. im willing to take further actions if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
* * Issue : * * Unauthorized transactions, improper reversal, and forced repayment of fraudulent loan * * Company : * * Cash App ( Block, Inc. ) * * Complaint : * * On XX/XX/year>, my Cash App account was accessed without authorization. An unknown individual added funds from my linked debit card in three transactions of {$100.00} each ( total {$300.00} ) and sent the money out of my account. The individual also took out a {$100.00} Cash App loan in my name and transferred those funds. I immediately contacted Cash App support on XX/XX/XXXX to report the fraud. I also disputed the three unauthorized debit card transactions with my bank, and my bank completed its investigation and confirmed the transactions were fraudulent. I was issued a refund by my bank. However, on XX/XX/year>, Cash App reversed those same amounts internally by initiating three transfer returns of {$100.00} from my Cash App balance. This caused my account balance to become negative ( approximately - {$230.00} ), even though these transactions were unauthorized and already determined to be fraud. Additionally, Cash App has continued to hold me responsible for the {$100.00} loan that was taken out fraudulently. I have already been required to make a {$25.00} payment toward this loan despite not authorizing it. Cash App support has failed to provide any meaningful assistance. I was told I would receive follow-up communication within XXXX hours, which did not occur. My case was later escalated, but I was given no timeframe and have still received no resolution. This situation appears to be a violation of my rights under the Electronic Fund Transfer Act ( Regulation E ), as I reported these unauthorized transactions promptly and should not be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: FL

Complaint narrative:
I stopped receiving bills from MOHELA for months, and when I went to the website to get tax forms, it said I had missed 9 months of payments. I had no idea about these payments because MOHELA never sent me a bill. How. Do. They. Expect. Me. To. Pay. A. Bill. That. They. Did. Not. Send. Me.

Company response to consumer: Untimely response