vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I disputed a {$39.00} credit card charge from SP AEKI ( Dispute # XXXX ) for a product purchased from getaeki.com. 

The merchant advertises a XXXX money-back guarantee. I contacted the merchant within the return window using the email address listed in their refund policy to request return authorization. I made multiple attempts to contact them and did not receive any response or return instructions. 

Wells Fargo informed me the dispute would be reviewed and that they would contact the merchant if necessary. However, the dispute was later closed as Dispute Declined, stating that Visa required specific information and that the requirements to file the dispute had not been met.

I was not informed during the dispute process that additional documentation or an expert opinion was required. When I called Wells Fargo after receiving the denial, I was told the case was closed due to lack of an expert opinion. This requirement was never communicated to me before the dispute was closed. 

This dispute involves the merchants failure to honor its advertised XXXX money-back guarantee, not product quality. I have screenshots of the refund policy and records of my unanswered emails to the merchant. 

I am requesting that Wells Fargo reconsider this dispute and process it under the correct dispute category for failure to honor a refund policy. 

Bought on XX/XX/XXXX Received on XX/XX/XXXX First attempt to return via their email given on their website : XX/XX/XXXX Second attempt to return via their email : XX/XX/XXXX Filed claim with Wells Fargo : XX/XX/XXXX Called Wells Fargo per their request : XX/XX/XXXX, was told they would try to contact them, and if they didn't respond I would get my money back. 
XX/XX/XXXX : Got a letter from Wells Fargo that they closed my claim, that I didn't provide them with data that I was never asked for, and does not apply.

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 2026-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
Early fall 2025 we contacted Carrington Mortgage and asked how we proceed with a partial release of our farm land. They instructed us how. We then did exactly as we were told, costing us money and time. We asked our neighbors if they would be interested and they stated yes. We then were instructed to have a survey and move the existing lot lines. We did this and after XXXX town meetings and approvals, we filed this with XXXX XXXX. Everything done as instructed, paid for and we were set to close XXXX weeks ago. XXXX  days before closing we were asked to have XXXX send over the partial release to the title company. When we asked, we were told that partial releases were no longer given from XXXX and we could not fulfill this. We are out time, XXXX  and the stress. We were mislead and really want this resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
RENTDEBT AUTOMATED COL is falsely reporting on my credit. I have never had any accounts with them. Per my research RENTDEBT AUTOMATED COL 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 2026-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I applied with Wells Fargo to refinance a loan on my home, which also contained my business on the ground floor. The business is a Wiccan bookstore. Wells Fargo had knowledge that I had a business in my home. At the end of the application process, I was initially told by Wells Fargo employee, that " we were over the hump and I was approved as long as the appraisal came back high enough. '' Wells Fargo had the property appraised at {$640000.00}. The loan was for {$350000.00} and this appraisal was high enough to meet Wells Fargo 's requirements. I then received a message stating that my loan had been denied. I asked XXXX XXXX and her XXXX why I was denied and they originally said they did not know. The XXXX, XXXX XXXX, eventually told me that I was denied due to having a business on the property. I then was escalated to the corporate office. After disputing this denial, I asked for the stated reason for the denial from corporate. I eventually received a letter telling me that the property type did not meet the lender/investor requirements. I believe that Wells Fargo denied the loan after receiving the appraisal photos showing that the business was a Wiccan bookstore.

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 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I informed the company I never acquired debt with them. I never received any communication from this company as far as where this debt came from how it was acquired who they acquired it from I dont know what this debt is for. I have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC
State: VA

Complaint narrative:
On XX/XX/year> I received a phone call from Revco Solutions. I advised them at that i only wish to be contacted by mail and no further phone calls. Today I received another phone call from them after they have been advised to not contact me by phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CT

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Barclays lost the Aviator Advantage Credit Card to XXXX last year but kept charging the annual fee knowing the card would be switching to XXXX and the benefits would change AND customers may  not want to deal with XXXX. They still charged Customers the annual fees, knowing they would not be providing a service, and it was not the service we signed up for. Customers should have been given the option to not renew, they did not ever communicate that. Additionally, this could have been easily fixed by allowing the XXXX  day annual fee refund window to extend due to the XXXX to another Bank. This is bait and switch on the annual fee and credit card benefits, and Barclays Customer Service was extremely rude in handling this, blaming it on XXXX XXXX. The right way to handle this would be to let Customer opt out and not chareg them Annual Fees for services they won't be providing, the customer never signed up for and most likely doesn't want.

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 2026-02-11 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: Experian Information Solutions Inc.
State: AL

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 2026-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2026-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Americas Car-Mart, Inc.
State: IL

Complaint narrative:
Company name : XXXX XXXX XXXX XXXX : Auto loan Issue type : Incorrect information / Deceptive practices State : Illinois Complaint narrative : I am submitting this complaint regarding deceptive and misleading loan servicing practices by XXXX XXXX XXXX. 

On XX/XX/year>, I contacted XXXX XXXX XXXX to request a voluntary repossession of my vehicle due to financial hardship. In multiple written email communications on that date, a representative of XXXX XXXX XXXX explicitly stated : We are not coming to pick up the car. 
We dont pick up vehicles. 

These statements were made without qualification or explanation and clearly conveyed that XXXX XXXX XXXX does not repossess vehicles or recover collateral. 

I relied on these written representations when deciding how to handle the vehicle and the loan. No correction or clarification was provided at that time. 

In XX/XX/year>, after nonpayment, the same representative contradicted these earlier written statements and asserted that XXXX XXXX XXXX does recover collateral and would pick up the vehicle once the account was in default. The representative further stated they would note the account you are refusing to pay, despite my earlier attempt to voluntarily surrender the collateral. 

This is a material contradiction of prior written communications and misrepresents the companys enforcement rights under a secured auto loan. I believe this conduct constitutes deceptive and unfair practices intended to pressure payment and delay my ability to mitigate damages. 

I am requesting that the CFPB investigate XXXX XXXX XXXX for misrepresentation of loan servicing practices, deceptive communications regarding collateral recovery, and unfair debt collection conduct. I am also requesting written clarification of XXXX XXXX XXXX official repossession policy and appropriate corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
XXXX and XXXX have repeatedly called me. They are now calling my wife and my mother and father in law. My account is with XXXX XXXX to settle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX represented a debt collection company called Crown Asset Management for an online loan I received. They sued me back in XXXX of XXXX I have been trying unsuccessfully to reach XXXX and XXXX to set up payment arrangement and/or get payments started. I have received XXXX call backs in XXXX years and no communication when requested other than garnishment letters stating I will lose my job. This recent garnishment letter, when I called on XXXX to find out if I can have until XXXX as the XXXX  day period would be XXXX. I was told that it will be signed and sent to court on XXXX which is actually going against the deadline they advised me of. The letter is dated for XXXX and it stated XXXX days from the mailing date. I received it XXXX days later on XXXX. I have tried numerous times to get this resolved and they do not want to answer phone calls or emails. I was advised before they could not communicate via email. HOWEVER on there contact us form I acknowledge consent to receive communication by email. They are performing deceitful tactics. Instead of resolving the debt they want to continue to sue which is unethical. I have the letter and the screen shot of the disclaimer on their contact us form. It is now to the point I will have to consider legal action and filing Bankruptcy on my end as I can not get any answers or have them work with me. I have made numerous attempts in XXXX years with them failing to communication on their end. This only phone call where someone actually answered was recorded supposedly and you can verify the agent said the end date would be the XXXX which goes against the letter they sent me stating I have XXXX days from the mailing date which is XXXX. The threatening letters need to stop and I need actual communication so I can make the payments. If no communication on their end I will be forced to file XXXX  XXXX bankruptcy which I qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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: IL

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 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
Levy and Associates , LLC represented a debt collection company called XXXX XXXX XXXX for an online loan I received. They sued me back in XXXX of XXXX. I have been trying unsuccessfully to reach XXXX and XXXX to set up payment arrangement and/or get payments started. I have received XXXX call backs in XXXX years and no communication when requested other than garnishment letters stating I will lose my job. This recent garnishment letter, when I called on XXXX to find out if I can have until XXXX as the XXXX  day period would be XXXX. I was told that it will be signed and sent to court on XXXX which is actually going against the deadline they advised me of. The letter is dated for XXXX and it stated XXXX  days from the mailing date. I received it XXXX  days later on XXXX. I have tried numerous times to get this resolved and they do not want to answer phone calls or emails. I was advised before they could not communicate via email. HOWEVER on there contact us form I acknowledge consent to receive communication by email. They are performing deceitful tactics. Instead of resolving the debt they want to continue to sue which is unethical. I have the letter and the screen shot of the disclaimer on their contact us form. It is now to the point I will have to consider legal action and filing Bankruptcy on my end as I can not get any answers or have them work with me. I have made numerous attempts in XXXX years with them failing to communication on their end. This only phone call where someone actually answered was recorded supposedly and you can verify the agent said the end date would be the XXXX which goes against the letter they sent me stating I have XXXX days from the mailing date which is XXXX. The threatening letters need to stop and I need actual communication so I can make the payments. If no communication on their end I will be forced to file XXXX XXXX  bankruptcy which I qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS , LLC it was already paid they tried collecting again I made a report they said they would take it off my credit report they did and then they put it back on my credit report XX/XX/XXXX on XX/XX/XXXXthen they took it back off and put it back on again trying to collect a debt again

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Dates : Each month for payments due date for XXXX seperate accounts. Surge Card Due on XXXX of each month. Today card due on XXXX of each Month and XXXX card. The web site and mobile app will only allow me to make either the Minimum payment or the total balance pymt due. I like to always pay the the minimum plus more. This company continental Finance LLC. is the only C.Card company I have that does this. I believe they are trying to force me into accept the online email statements instead of paper statements through the mail. a prompt always appears to opt in for that.

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 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
I received a notification in my Chime app that my account is set to be closed on XX/XX/year>. I did not request this closure. I called Chime and spoke to a representative inquiring why my account was to be closed. After waiting for 5 minutes he came back and simply told me that my account had borderline violated the terms and conditions but could not give me any examples of how it did or what the violations were.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I recently filed an Identity theft report, with Citicards regarding a credit card account with advantage, that I did not opened. Instead of deleting this from my file. Citicards, just closed the account. Macys, who did not conduct any research at all just closed my Macys Credit card, to which I have paid the bill on time every time since it was opened. I spent all day talking to individuals at both the Fraud Department at Citicards and Macys and received no help at all. Employees rude, and unwiling to help. I would like for XXXX XXXX of Citicards to contact me and explain why the employees that work for her, refuse to remove this fradulent item from my credit profile, and why Macys is refusing to reopen my account, which they closed in error. Good working hard american citizens should not have to fight with credit card companies.

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 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Abbott Osborn Jacobs PLC
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) hired the law firm Osborn , Jacobs XXXX XXXX PLC to collect a debt and filed a lawsuit against me. Their listed address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, IA XXXX, and the phone number provided is XXXX. 
I have made multiple attempts to contact the law firm to resolve the debt before my court date on XX/XX/XXXX. They do not answer their phones consistently and often do not return calls. XXXX instructed me that all communication must go through the law firm. 
I emailed the law firm to offer a compromise to avoid court. They asked for my last four digits of my SSN and address, which I provided immediately. After that, they stopped responding. 
I called them again on XX/XX/XXXX, and they told me they can not take payment because I filed a dispute in court and would need approval from XXXX. I called again twice on XX/XX/XXXX, and again no one answered. 
I believe this law firm files high volumes of lawsuits with the intent of obtaining default judgments and does not maintain sufficient staffing to handle their legal caseload or communicate with defendants. They have been unwilling or unable to assist in resolving my debt despite my goodfaith effort to settle before the court date. 
I believe the CFPB should investigate their business practices, responsiveness, and whether they are meeting legal requirements as a debt collector.

Company response to consumer: Closed with explanation