vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from Columbia Debt Recovery that I have a debt of {$2400.00} for XXXX XXXX XXXX. Per their email, If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt.You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. On XX/XX/XXXX, I emailed them and stated Dear Columbia Debt Recovery LLC, dba Genesis, I am responding to your contact about collecting a debt. You contacted me by email, on XX/XX/XXXX and identified the debt as {$2400.00}. I do not have any responsibility for the debt youre trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Thank you for your cooperation. I did not received an email response or documents in the mail regarding any responsibility of the debt they attempted to collect. On XX/XX/XXXX, I received an alert from my bank saying, you received a major derogatory mark on your credit report from Columbia Debt Recovery. 

Regarding this inquiry by Columbia Debt Recovery, I have communicated with XXXX XXXX XXXX about the rental agreement violations due to uninhabitable conditions for over 2 months and disputed the charges with my bank which they agreed with due to the evidence that I have provided and I was successfully refunded the amount that was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The td bank at XXXX shores closed my account involuntarily and without my knowledge. I did not enter the bank on this day and they went into my account. Also XXXX of the tellers told me I was not allowed a new td account on a prior occasion and refused my deposit. Now i believe they are targeting to close my new accoung with td

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Dear LVNV Funding LLC, This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding any alleged debt you claim I owe. 
Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally demanding that you stop contacting me. This includes, but is not limited to, phone calls, emails, text messages, letters, or contact through third parties. 
Be advised that I am documenting all communication attempts. Any further contact beyond what is legally permitted under the FDCPAsuch as notification of specific legal actionwill be considered a violation of federal law and may result in complaints filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state Attorney Generals office. 
This notice is not an acknowledgment of any debt, nor is it permission to report inaccurate information to any credit reporting agency. 
Please confirm in writing that you have received this request and will comply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I opened a deposit account in person at a Chase branch and deposited a corporate payroll check in the amount of {$140000.00} issued by a long-standing, established client of Chase. I was personally vetted by Chase personnel at the branch level, including a XXXX XXXX XXXX, and the account and deposit were accepted following this vetting. 

On XX/XX/year>, I received an email from " XXXX '' stating in part " we have restricted your account ( s ) and may close it soon ''. Despite my continued good-faith cooperation and repeated inquiries, Chase closed the account on XX/XX/year> without good reason or cause, and while the deposited payroll check remained under review and unresolved. The restriction was a temporary, risk-based fraud-prevention hold triggered by a large payroll deposit into a newly opened account, imposed pending verification, not a finding of fraud or customer ineligibility, and therefore did not justify account closure or continued withholding of verified funds. 

Any claim that I am an unknown customer is factually inaccurate, as Chase branch personnel and a supervisor vetted and approved the account and deposit in person. Additionally, upon information and belief, the company is a long standing client of Chase Bank XXXX While the deposit was large, the size of the check does not override nor negate statutory, regulatory, or contractual obligations. 

Chases actions violate the Expedited Funds Availability Act ( EFAA ), 12 U.S.C. 4001 et seq., and Regulation CC ( 12 C.F.R. Part 229 ), which require timely access to deposited funds and written notice of any delays. They are also inconsistent with the Uniform Commercial Code ( including the duty of ordinary care ) and the implied covenant of good faith and fair dealing.

I seek : 1. Immediate release of the full deposited payroll funds.

2. Written accounting and explanation for the account restriction, closure, and continued withholding. 

3. Written confirmation of the date and method funds will be made available.

I expressly reserve all rights and remedies, including claims for damages, interest, consequential losses, fees, costs, and equitable or regulatory relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
Starting XXXX XXXX XXXX I started having severe medical issues, which caused me to get behind on my mortgage payments. I have tried numerous times to work with the mortgage company but they say because my interest payment is so low there is nothing they can do for me. I was on the phone with them on XX/XX/XXXX with the XXXX representative and there was nothing they could help me with. Ive been living here for 25 years with my wife. We dont really wan na move out of our home. This company is noted for not helping their clients. We have the funds to start paying again. If theres anything you can do for us it would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC
State: MA

Complaint narrative:
I was subpoenaed, in reference to a credit card debt that was owed, by the Sheriffs Department XXXX XXXX The original credit card was through XXXX XXXX XXXX and the date timeframe was in XXXX, but the debt was now owned by Rubin and Rothman  from XXXXXXXX XXXX  I was totally unaware of this debt and had received no prior collection attempts, so I filed a motion requesting documentation that it was my debt which I never received. They rescheduled the court date to a day I was unable to attend, I notified the court I couldn't be present due to prior commitments, yet the date was not changed and I was found liable for the entire amount due and a garnishment was set up on my paycheck. At this point I felt it was easiest to just pay the weekly amount and move past it. After my debt was completely satisfied ( mid XX/XX/XXXX ), they paused collection until the new year. My first two paychecks of XXXX were again garnished in the same amount ( {$490.00} approx ). When I realized the error I called payroll department of my employer and was told since it was court ordered they had to continue garnishing my check until they received a stop order from Rubin and Rothman. I called XXXX XXXX XXXX and they were able to fax a document to stop the garnishment, which stop on the next paycheck, but I've now overpaid the original debt by almost {$1000.00}. Again I called XXXX XXXX XXXX to get a refund and have yet to receive one, they also told me the amount they were refunding was almost half of what I overpaid and it was not their responsibility to refund the rest due to " XXXX  '' or fees due collecting a debt ( despite that already being accounted for in the court order ). I am still waiting for even a partial refund, and all calls are met with a wait for the check that has been mailed order despite the initial claims it was mailed on XX/XX/XXXX and would take XXXX business days to arrive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Columbia Debt Recovery LLC, dba Genesis To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX XXXX XXXX ) XXXX from XXXX to XXXX PST, Monday to Friday Account XXXX XXXX XXXX XX/XX/XXXX Columbia Debt Recovery LLC, dba Genesis is a debt collector . We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 


Our information shows : How can you dispute the debt? 
You had an agreement with XXXX  XXXX XXXX, regarding XXXX. - Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
As of XX/XX/XXXX, you owed : {$6600.00} Between XX/XX/XXXX and today : - If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. 
You were charged this amount in interest + {$6.00} You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. 
You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$90.00} Total amount of the debt now : {$6500.00} Your account bears interest at XXXX % percent per annum. What else can you do? 
- Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we must stop collection until we send you that information. You may use the form below or write to use without the form. We accept such requests electronically at XXXX. 
- Go to www.cfpb.gov/debt-collection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 
- Contact us about your payment options. 
- Pngase en contacto con nosotros para solicitar una copia de este formulario en espaol. 


How do you want to respond? 
Check all that apply : Mail this form to : Columbia Debt Recovery LLC dba Genesis XXXX. XXXX XXXX XXXX, WA XXXX I want to dispute the debt because I think : -This is not my debt -The amount is wrong -Other ( please describe on reverse or attach additional information ). 
-I want you to send me the name and address of the original creditor. 
XXXX enclosed this amount : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Make your check payable to Columbia Debt Recovery LLC , dba Genesis. 

You can also pay online at : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I have made multiple calls since XX/XX/year> about the mortgage company paying my property taxes on the property. It is a new property and there is a baseline tax rate and then a supplemental tax rate. They paid the supplemental, but the base has not been paid and I have explained this to them on multiple phone calls. I have submitted the tax bill, which is now overdue and being charged interest multiple times also. I spoke with someone at the mortgage company in the escrow department on XX/XX/XXXX but I still do not see where the payment has been made. This is frustrating obviously but I feel like at this point I need to contact you guys. It is a very simple request and I have provided them the statement multiple times now and they assured me it would be paid, but it has not been as of this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I signed a promissory note on XX/XX/year>. The note was for {$8000.00} principal with paying an origination fee 1 % of loan taken off the top. I signed the note at XXXX % interest. They are taking roughly XXXX % interest from each payment. I have made contact with the upstart customer service whom advised me I signed the note and this is just how they do it. There were no attempts to help with a new contract or adjustments to the interest amount I agreed to. I asked for escalation to a higher/different department and/or supervisor and they advised there is nothing they can or will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was contacted by my bank asking me to confirm the XXXX Zelle transactions over the normal limit were being sent to somebody in California. I confirmed that this was not me and was sent to the Zelle XXXX department where I was instructed to input a code to cancel the transactions. They made me do this twice for both Zelle transactions and it ended up sending XXXX Zelle payments of XXXX and XXXX that i did NOT authorize. Zelle is not helping me retrieve the money i did not authorize to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint regarding unauthorized hard credit inquiries reported by Synchrony Bank in connection with a CareCredit application dated XX/XX/year>. 

The application was not knowingly or intentionally submitted. While reviewing the online application and searching for a cancel option, my touchscreen device was accidentally activated when my four-year-old grandson touched the screen where my cursor was resting. This action triggered the Submit button before I had completed my review of the terms or made a final decision to apply. 

There was no visible mechanism to retract or cancel the submission once processed. 

Additionally, my husband was listed as a joint applicant due to autofill settings on our computer. He did not review, authorize, or consent to a credit application. He did not provide knowing authorization for a joint credit inquiry. 

Authorization must be knowing and intentional. This submission occurred due to an accidental touchscreen activation and was immediately disputed. 

I contacted CareCredit immediately upon discovering the error and again the following morning to prevent the inquiry from being reported. Despite this immediate revocation attempt, hard inquiries were posted to all three credit bureaus for both individuals. 

We work diligently to maintain our credit and did not intend to proceed with this application after reviewing the fine print. The inquiries were the result of an accidental submission and were promptly disputed. 

We are requesting that Synchrony Bank withdraw the reported inquiries from Experian, Equifax, and TransUnion and confirm corrective action in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX Customer Service Department Goodleap Account Number : XXXX Dear [ GoodLeap ] Customer Service, I am writing to formally express my concerns regarding the solar panel system I purchased from your company. When I initially signed up, I was assured of receiving a {$14000.00} check that would help reduce my debt and lower my monthly payments. Unfortunately, this promise has not been fulfilled. 

Additionally, I was informed that my monthly electric bill would not exceed {$50.00} ; however, I continue to receive significantly higher bills. This discrepancy has led to unexpected financial strain. 

Furthermore, I am paying more for the solar panel system than initially agreed upon, and I am still receiving regular electric bills, which contradicts the initial promises made by your sales representatives. 

I kindly request a thorough review of my account and a resolution to these issues. I believe it is fair to expect transparency and honesty in the services provided. I would appreciate a prompt response to address and rectify these concerns. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: TX

Complaint narrative:
This process is unreasonable and I need regulatory review. 
I am filing a complaint regarding Upgrades handling of my debit card dispute and refusal to issue provisional credit despite timely notice and full documentation. 
On XX/XX/XXXX, I made a purchase through XXXX for merchandise totaling {$160.00}. I did not receive the item as purchased. The merchant failed to provide proof that I received the correct goods. 
I first attempted to resolve the issue directly with XXXX in good faith. XXXX denied my claim, not because the merchant proved proper delivery, but due to procedural issues related to documentation requirements. At no point did XXXX provide evidence that the merchant fulfilled the order as purchased. 
Following XXXX denial, I promptly filed a debit card dispute with XXXX on XX/XX/XXXX. I submitted all requested documentation, including screenshots, transaction details, and evidence that I did not receive what I paid for. 
XXXX advised that provisional credit is typically issued within XXXX business days if a claim is eligible. However, despite the passage of more than XXXX business days and repeated follow-ups, XXXX declined to issue provisional credit and has been unable to provide a clear timeline or substantive status update, stating only that the investigation is ongoing. 
I understand that provisional credits are not guaranteed in every case. However, under Regulation E, financial institutions are expected to conduct disputes promptly and fairly. In this case, the merchant has not demonstrated proper fulfillment of the transaction, and I have cooperated fully and provided all supporting documentation. 
I am requesting regulatory review of Upgrades dispute handling process, including its refusal to issue provisional credit and the ongoing delay without meaningful updates. I am seeking expedited resolution of this dispute and appropriate credit for the unauthorized or improperly fulfilled transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MD

Complaint narrative:
I was in federal prison from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I will upload showing I was in federal prison and its no way possible I could have opened this 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