vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
After XXXX years of marriage I went through a divorce where I was awarded the home from my ex husband. The house was several months behind on the mortgage. Through the courts proceedings, due to us having XXXX children together my ex husband was suppose to pay half of the mortgage. After months and months of not receiving anything I was unable to make these payments off of my salary. Due to not wanting to lose my home I applied for the modification program which took XXXX XXXX for approval. When I finally got approved the company sent me documents to sign with several errors. I immediately called and the customer service rep agreed that there were errors with the numbers and he fixed it on his end. I waited to receive new documents and after a month I did not so I called back to let them know I never got new documents and the customer rep stated I had to reapply. But since I did not sign the error documents they had sent my house information to their foreclosure attorney. The customer service rep stated that while reapplying it takes 45 days and the foreclosure would " be on pause '' while waiting for an approval. Finally getting approved again they stated they needed to look at my title to finish the process. Within that 45 days of my approval, a UCC lien had been placed on my home by XXXX XXXX XXXX company. Then I was told that I had 30 days to have the lien of {$9000.00} lien to be removed and proof of documentation before proceeding with the approval for a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
If it's duplicate, because your company haven't responded to my concerns at all. Security concern is not a shield. You need to use it properly. will escalate the issues to higher level later

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: CO

Complaint narrative:
I have received no notification from this company that I am not familiar with and have no contract of owing. I have been harassed with phone calls from various numbers. And the amount of the attempted collection is an amount that needs to be verified because I have no knowledge of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX, XXXX. for serious violations of the Fair Debt Collection Practices Act ( FDCPA ), as well as unfair, deceptive, and abusive practices. I entered into a payment agreement {$3700.00} -of {$100.00} per month and have acted in good faith at all times. I have attached bank statements to this claim clearly demonstrating that I consistently maintained sufficient funds to cover these payments. Despite this, XXXX XXXX XXXX failed to process automatic payments during the months of XXXX and XXXX, even though funds were available in my account. These payments resumed again on XX/XX/XXXX, as they had been previously processed, which clearly demonstrates that the issue was not on my end, but due to their inconsistent and negligent handling of my account. Additionally, I have been denied access to my account, making it impossible for me to make payments on my own. I have screenshots proving that I do not have access to my login credentials. Even when I contacted their representatives, they were unable to assist me in setting up payments and stated they would follow up, but failed to do so. As a result, XXXX XXXX XXXX has maintained full control over the payment process while simultaneously failing to process payments and denying me the ability to make them myself. ( attached proof of the denied access from XXXX ) Due to these failures, my balance has now increased to $ XXXX {$1500.00} more than expecteddriven by fees, penalties, and interest that should not have been applied. I am now being unfairly penalized for their errors. These actions may constitute violations of the FDCPA, including but not limited to : Misrepresentation of the amount of debt Unfair or unconscionable means to collect a debt Failure to properly process or credit payments Obstruction of a consumers ability to make payments This situation has caused significant financial harm and emotional distress. I am a single mother who has made every effort to comply with the agreement, and I should not be penalized for errors and barriers created by this company. If this matter is not resolved promptly, I am prepared to escalate further, including pursuing additional regulatory complaints and seeking legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 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 2026-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I received a letter in the mail on XX/XX/year>, dated XXXX, from Home Depot welcoming me their credit card program. I did not apply for a credit card. I contacted their customer service line and they directed me to their fraud team. They helped me close the account and start an investigation.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I was mislead from enterprise dealership and pressured into getting a vehicle I couldn't afford. I was vulnerable at the time experiencing a total loss from my previous car. The contract had a vehicle warranty in it I was unaware of. For {$2200.00} I was told the warranty was a free courtesy of dealership. I only asked for gap insurance. The dealer told me I can split payments per check to pay for vehicle. The balance reported from westlake is not mathematically correct after it was sold at auction. After a year of payments only {$100.00} went towards my principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: NJ

Complaint narrative:
Bounce AI have in recent months bombarded me with robo calls all time of the day and have continuously sent email about a purported debt. I have no recollection of such debt and who Bounce AI is and the legal authority to demand such debt with a demand for Debt validation according to the Fair Dept Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
In XX/XX/XXXX, I obtained my ChexSystems consumer disclosure report ( dated XX/XX/XXXX ) and discovered XXXX unauthorized hard inquiries in the " Inquiries Viewed By Others '' section that I did not initiate or authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I also discovered unrecognized personal information in my file, including an address, XXXX email addresses, and a phone number that I never provided and did not authorize, which may be indicative of identity fraud. On XX/XX/XXXX, I sent a formal dispute letter to ChexSystems via Certified Mail disputing all XXXX unauthorized inquiries and demanding removal of the unrecognized personal information under the FCRA ( 15 U.S.C. 1681b and 1681i ). ChexSystems responded through the CFPB portal but failed to address any of the actual issues raised. Their response consisted entirely of a generic explanation about how " Reported Information '' works, which has no relevance to my complaint. I never disputed any reported account I disputed unauthorized inquiries and unrecognized personal information. ChexSystems also stated they had no record of receiving my dispute directly, despite the Certified Mail submission. ChexSystems has not investigated the unauthorized inquiries, has not verified permissible purpose for any of them, and has not addressed the unrecognized personal information in my file. I am requesting that the CFPB require ChexSystems to conduct a proper reinvestigation, remove any inquiries for which permissible purpose can not be verified, and remove all unrecognized personal information from my consumer file.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have the silver credit card from capitalone. I used it to pay for a hotel stay that was not as advertised and fraudulent. Capital one removed the charges and then added them back including fees and interest as they requested pictures but their system did not process. However their contract specifically says thay I am not responsible for charges if I am not satisfied with the product or services received. They set timeliness and too tight with inconvenient hours to call and too many departments to get transfered. I request those charges and fees removed as well as credit for the inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
Title : Newrez improperly disbursed escrow funds early, ignored instructions, raised my payment despite cheaper insurance Description : On XX/XX/year>, Newrez sent an escrow analysis raising my mortgage payment from {$1200.00} to {$1300.00} due to insurance. I switched from XXXX ( refusing to lower rates ) to XXXX, starting XX/XX/XXXX, XXXX over $ XXXX ( projected $ XXXX total ). I got a $ XXXX refund from XXXX XXXX deposited it immediately into escrow I told Newrez XXXX XXXX agreed to wait until XX/XX/year> for payment, same as old policydo NOT pay early. Despite this, Newrez paid XXXX prematurely ( after my switch ). I requested a new escrow analysis at this time, unaware they had prematurely already paid the new insurance premium. New escrow analysisnow raising payment to $ XXXX Newrez said I was over the XXXX negative limit, so they had to pay early to force catch-up. This never wouldve happened if theyd followed my instructions and the agreed XXXX schedule. Result : I lost my $ XXXX savings, got screwed on escrow math, and face higher payments.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This complaint is about a {$81.00} charge from XXXX XXXX on XX/XX/year>. The XXXX stopped working and I was only provided with a support email address XXXX.... there is no telephone number to contact the merchant. I sent an email to that support address requesting a refund or replacement and return instructions and the merchant did not reply back. Citi Cards is being unreasonable.I tried to submit a dispute online and it was not accepted ... Citi Cards is asking me to return the merchandise which is impossible because the merchant did not specify an address for returning products and they do not reply to emails asking for the address / return instructions and it's not possible to call to request the address. Besides trying to dispute the charge online on the citi.com I also mailed a dispute letter to their billing inquiries address shown on my credit card statement in XXXX XXXX MI and so far they have not replied back as they are required by the law.

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 2026-03-18 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: NJ

Complaint narrative:
Midland Credit Management Inc is making a demand for money not owed to them or any other business. I saw the Midland credit management entry on my credit profile with the 3 credit reporting agencies, I have requested to validation of this debt with provision of identifying /validating document to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX around XXXX someone made an unauthorized purchase of XXXX dollars with my chime card. While im the only one that has my information. And left me with XXXX dollars in my account. I made a dispute with chime but the dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SG and Associates
State: TX

Complaint narrative:
I want them to send me a detailed list of the payments made by me on this account I want to see the signature that I put on contract guaranteeing that I would pay this creditor. I am asking to see has there been any insurance claims found on this Debt. I want proof that you have the chain of title to collect on this Debt. Since it's been charged off and I never received 1099

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Says I owe them but I have no acknowledge of who they are

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Ive called numerous times and get no where somehow I had XXXX accounts now I cant get into any but one its well over XXXX going on for two years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate information reported on my credit file that I believe resulted from a data breach and lack of proper notification. Around XXXX, my personal information was compromised in a data breach. Following that timeframe, I began noticing unfamiliar and/or inaccurate accounts being reported on my credit report. During this same period, I was also experiencing financial hardship, which made it difficult to monitor and address these issues immediately. I was not properly notified by the company regarding account activity, missed payments, or that these items were being reported to the credit bureaus. Because of this, I was denied the opportunity to resolve the matter before it negatively impacted my credit. In XXXX, after reviewing my credit report, I identified these inaccurate items and took action by disputing them. I have attempted to contact the companies involved and request verification of the accounts. However, the items remain on my credit report without proper validation being provided. These accounts have caused significant harm to my credit profile, lowering my score and affecting my ability to obtain financing and other opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: GA

Complaint narrative:
Here is exactly what to paste into the " What happened '' box : " I am the owner of XXXX XXXX XXXX XXXX XXXX, a XXXXbased contracting company. Allied Interstate LLC contacted me on XX/XX/XXXX regarding a workers ' compensation policy ( Policy XXXX ) with XXXX XXXX XXXX claiming a balance of {$180000.00}. This collection contact was premature and improper for the following documented reasons : 1. The only legitimate charge on XXXX XXXX 's own audit documentation was {$160.00} ( expense constant ). That payment was made on XX/XX/XXXX and confirmed received by XXXX XXXX in writing on XX/XX/XXXX. The remaining {$180000.00} is not supported by any audit documentation. 2. My insurance broker XXXX XXXX XXXX confirmed in writing on XX/XX/XXXX nine days before Allied Interstate was engaged that XXXX XXXX had placed the audit bill ON HOLD and reinstated the policy. The policy was confirmed XXXX on XX/XX/XXXX. 3. A new document submission deadline of XX/XX/XXXX was given. XXXX XXXX referred the account to Allied Interstate on XX/XX/XXXX seven days after that deadline with zero communication about whether documents were reviewed. 4. Allied Interstate 's collections letter is dated XX/XX/XXXX XXXX DAYS before the policy cancellation date of XX/XX/XXXX. The policy was still active when they contacted me. 5. Allied Interstate added {$2500.00} in interest on a debt that was not legally due at the time of initial contact. 6. A formal written dispute and active audit process with XXXX XXXX 's own field auditor was still unresolved at the time of the collections referral. Allied Interstate 's own representative XXXX XXXX confirmed in writing on XX/XX/XXXX that the balance is {$180000.00} yet their collections letter demands {$180000.00}. The amounts are inconsistent. I have sent Allied Interstate a formal written FDCPA dispute letter demanding cessation of collection activity, written debt verification, and explanation of the interest charge. No response has been received. This debt is actively disputed and the underlying charge has no basis in the insurer 's own audit documentation. ''.

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 2026-03-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX $ was charged by XXXX from my account without my concern even tho my XXXX account is closed and didnt use it since last year XXXX, tryna claim that money back from chase but they only give me credit for 3 days and closed the case without asking me any documents. Ive issue with chase claim department cause they dont even know what documents do I have to ask from XXXX and my bank account is- and I was late to pay for my rent and bills, even if I own money they cant just took my money after I unsubscribe and the app and closed the account without my concern, And chase hold my check deposit for 10 days for no reason which is unfair, the things is bank dont take responsibility while the case is ongoing, closed the case without asking any specific documents and now my account is in XXXX overdrawn rn

Company response to consumer: Closed with explanation