vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Harris & Harris , LTD has placed a collections account on my credit report for the amount of {$2100.00}. Prior to this debt being placed on my credit report, I had no knowledge of this debt. Please take into account that I never received a debt validation notice. Harris & Harris XXXX LTD did not follow U.S. Code 1692g, which requires debt collectors to send a debt validation notice within XXXX days of initial contact, detailing the debt amount, creditor, and consumer 's right to dispute within XXXX  days ; if disputed, collectors must stop collection and provide validation, and can not report to credit bureaus until validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
When I called when I first seen this collection added to my credit was around XXXX time and I called and spoke to someone to see how to get the bill handled a week later I called back spoke with the a lady over the phone. She gave me the price for the bill because I explained to her that the bill was paid previously when I first got it in XXXX and then now its back on my credit and its XXXX, so I told her I just wanted to go ahead and take care of it because Im in the process of purchasing a home so she proceeds to give me the price of XXXX and I ask her can we negotiate the price she said yes and I had to pay {$86.00} so when I spoke with her and paid, I asked about once I make the payment would it be deleted from my credit she proceeds to say yes that it will take XXXX  days but we will send you a confirmation of your payment in XXXX to XXXX days later we will send you a letter stating that it was settled paid in full in XXXX days after that I receive another letter stating that they will remove it from my credit so the letter I receive, I proceed to give it to my Lender and she reported it over to the credit bureaus to try to get it removed off the credit but they couldnt use that because the letter was stating that I paid it, but it also said if the if the money was returned, then he would added back as a collection so it was confusing and they couldnt accept it. I proceed to reach back out multiple times spoke to XXXX different people, and also spoke to a supervisor and they told me that they couldnt do anything to further assist the situation because they already gave me a letter and I had to wait to XXXX days before they could remove it. And I was trying to understand why do I have to wait a whole XXXX days for them to remove it when they have the payment and this is stopping me from moving forward in my house by process and most collection agencies once they receive They payment, they just go ahead and remove it from your credit but southwest credit is not budging with anything. They really want me to wait XXXX days for them to remove it and also send me a letter stating that they removed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
CFPB Complaint Narrative ; Company : XXXX XXXX XXXX ( XXXX, FL )/ DBA : Monterrey Financial Services XXXX Issue Type : Deceptive or misleading practices/ Failure to provide promised services/ Asking for Contract cancellation What happened I enrolled in a trading course with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX after attending an introductory class. During that class, XXXX representatives made several promises and representations that later proved to be false or misleading. 
XXXX, they promised personalized one-on-one follow-up support for students who could not attend classes. This follow-up never occurred. 
XXXX, during the introductory class, the presenters used high-pressure sales tactics and rushed attendees into signing a contract the same day, capitalizing on emotional excitement and making it difficult to properly evaluate the agreement. 
XXXX, XXXX claimed that no one should have to pay for education and promised that they would provide weekly set-it-and-forget-it trades whose monthly profits would cover the cost of the course. After more than XXXX month in the program, no one explained how I was supposed to generate this income, and I did not receive the promised guidance or trades sufficient to do so. 
Fourth, despite repeated attempts to obtain assistance, no one at XXXX provided effective follow-up or instructions on how to make payments or succeed in the program. 
When I contacted customer service to express my complaint, I received a phone call back from the owner, with condescending language. During this call, he insulted me and used vulgar and unprofessional language. I explained that I had not been able to make the payment because I had repeatedly asked the XXXX  staff for instructions on how and where to make the payments without success. XXXX XXXX Leisure then agreed to create a personalized action plan for my success. To date, I have never received that plan. 
During that same conversation, I realized that individuals in the introductory class appeared to be planted participants who pretended to be students and shared stories about their success to influence attendees to sign contracts. I had spoken privately with XXXX of these individuals, and XXXX XXXX Leisure referred to that conversation, which he could not have known about unless those individuals were acting in coordination with XXXX. 
Additionally, XXXX promised that the XXXX  XXXX months of payments would be covered by the academy and reimbursed upon payment. After I finally was able to make the first payment, I requested the promised reimbursement as instructed. To this day, I have received no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: DE

Complaint narrative:
I purchased a vehicle in XXXX, it is now XXXX, and I still do not have hard plates for my vehicle ( unable to register ) because Westlake Financial won't send title over to DMV. I've called them numerous times over the past weeks and nobody from title dept answers the phone. Customer service just hangs up on me and never helps. I am paying on this car, but can't get it registered. Westlake has the title, and the dealership has proof of this. Delaware DMV required original title be mailed to them by lienholder/finance company. This HAS to be illegal that I'm paying on a car that I can't get registered. Title dept has created a shipping label with XXXX, XXXX does not have possession of the paperwork yet because Westlake has not mailed it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: TX

Complaint narrative:
I have a collection account listed on my credit reports ( ATG Credit ) for a debt with XXXX XXXX XXXX  I paid the debt in XX/XX/year> and was told that they would DELETE the account once the balance was paid. It is STILL listed on my credit reports and I have disputed this multiple times with ATG with no response from the company. This need to be removed immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: IL

Complaint narrative:
Collection Email MRS BPO Attempting Collection Without Validation I am submitting this complaint regarding MRS BPO, who is attempting to collect an alleged debt on behalf of XXXX XXXX. 

MRS BPO contacted me regarding an alleged account with a stated balance of {$240.00} ( XXXX XXXX # XXXX ; Creditor Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I dispute this debt in its entirety. 

To date, I have not been provided with proper validation of this alleged obligation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite this, MRS BPO continues collection activity and communication intended to induce payment, including encouraging payment arrangements without first substantiating the debt. 

I have not been provided with : Proof that I am legally obligated for this debt A copy of any original signed contract or agreement A complete itemized accounting of the balance claimed Proof that MRS BPO has the legal authority to collect on this account Documentation of the chain of ownership or assignment of the debt Additionally, any reporting of this account to consumer reporting agencies without proper validation constitutes inaccurate and unverified reporting in violation of the Fair Credit Reporting Act ( FCRA ).

I am requesting that the CFPB require MRS BPO and XXXX XXXX to : 1. Provide full and proper validation of the alleged debt, or 2. Cease collection activity and remove any credit reporting associated with this account This complaint is submitted in good faith and is not a refusal to pay, but a formal dispute of the validity and accuracy of the alleged debt. 

I am requesting written resolution and confirmation that my consumer rights are being honored.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/year>, I was charged twice on my Discover credit card for the same purchase from XXXX. 

Each charge was {$100.00}, for a total of {$200.00}. I only made one purchase, not two. 

I contacted Discover and opened dispute case # XXXX. I also contacted the merchant ( XXXX ) multiple times. 

On XX/XX/year>, XXXX confirmed in writing that there is an ongoing refund and that they would respond directly to Discover. 

Despite this confirmation, the refund has not been completed, and the issue remains unresolved more than five months after the original transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX please investigate this username XXXX XXXX XXXX XXXX XXXX and investigate both usernames and accounts for doing fraudster and fraudulent and scamming customers and blackmailing them and threatening them and harrisment them because she scammed me and threatened me and blackmail me for no reason and investigated my complaint and take action against her accounts and both accounts and both usernames need to be investigated and permanently limited and PayPal relationship need to be relationship need to be ended for both of them XXXX XXXX {$20.00} XX/XX/year>. Money Sent Repeat this transaction Repeat this transaction Split Payment Split Payment Paid with XXXX XXXX XXXX XXXX You'll see " XXXX * XXXX '' on your card statement. 
{$20.00} XXXX XXXX XXXXXXXX And my account email is XXXX and dont release my information to her if she ask yall for it or dont release my information to her or no keep it private confidential anonymous and she used different names that is her real name so you might need to do a verification information system check on asking to submit proof of her names and other documents to yall etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
When I consulted your online agent earlier, I was provided with a document clearly stating that XXXX of the fee-waiver requirements is maintaining a {$2000.00} combined average monthly balance in your Spend and/or XXXX accounts. ( XXXX XXXX XXXX ) Last month ( XX/XX/year> ), I maintained the following balances across my accounts : Spend account ending in XXXX account ending in XXXX account ending in XXXX. 

The combined average monthly balance across these Spend and XXXX accounts definitely exceeded {$2000.00} ( approximately {$40.00} + {$200.00} + {$1800.00} ). However, despite meeting this stated condition, I was still charged the XXXX XXXX monthly service fee. 

When I contacted your online agent, I was told that the bank does not combine these accounts and only considers the balance of the specific Spend account XXXX where the fee is charged. This contradicts the written condition provided to me. The rule clearly states combined average monthly balance in your Spend and/or XXXX accounts without listing any limitation, such as : only combining certain Spend accounts, only combining accounts under specific conditions, or only combining the Spend account where the fee is assessed. 

Given the wording, a reasonable customer would naturally interpret combined Spend and/or Reserve accounts as all Spend and Reserve accounts visible under my profile, excluding CD and Growth, which I also did. 

If your policy actually limits which accounts may be combined, this should have been : clearly stated in the written terms, and communicated by your customer service team when I asked. 

Because neither of these was done, my funds were distributed across several accounts based on the written rules provided. As a result, I was incorrectly charged the monthly fee even though I reasonably believed I met the requirement. 

In addition, these Spend and XXXX accounts earn little or no interest, so the distribution of funds does not create any meaningful cost to the bank. Therefore, I respectfully request : Clarification and correction of the wording in your terms to accurately reflect the actual calculation rules ; and A refund of the {$15.00} service fee charged for XXXX, as this fee was assessed due to unclear or misleading guidance. 

Thank you for your attention. I look forward to your prompt response and resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I am attempting to get my vehicle registration swapped over from Florida to Kentucky as it expires today ( XX/XX/year> ). I have called and chatted in to my finance company, Ally Financial. They told me they were unwilling to send me the title due to their internal policies. This leaves me with a vehicle that I am paying for that I can not legally drive after today. I work 45 minutes from my house and this will cause financial hardship on my behalf if I can not return to to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is an update to an existing complaint I found a letter from Wells fargo stating someone used my info to open 3 checking accounts that I am not liable for. 
I also was part of XXXX XXXX XXXX  two data breaches earlier this year, all my information social, I'd number addresses prsnal info was uploaded to the dark web which caused identity theft. Also waiting for police reports about wallet and phone. Once I get recieve these I will forward to you. 

In regards to compliant # XXXX Wells fargo # 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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding a deeply troubling incident that occurred on XX/XX/year>, involving my mothers Wells Fargo account. Despite having overdraft protection and a combined balance of approximately {$10000.00} ( {$5000.00} in savings and {$5000.00} in checking ), Wells Fargo allowed a {$20000.00} credit card payment to be processed. This resulted in an overdraft of nearly {$10000.00}, creating an immediate and severe financial hardship. 

When my mother contacted Wells Fargo on XX/XX/XXXX, she was informed that her only option was to dispute the payment, a process that could take up to 10 days and was not guaranteed to succeed. This response is unacceptable given the magnitude of the overdraft and the devastating impact on her financial stability. 

My mother is XXXX XXXX XXXX, living on a fixed income consisting of XXXX and a modest retirement deposit. She now faces the inability to pay essential obligations, including her mortgage and car payment, because her upcoming deposits will only reduce the negative balance rather than restore her account. This situation has caused extreme stress and emotional distress for her and our family. 

It is alarming that XXXX XXXX systems permitted a transaction that exceeded available funds and overdraft limits by such a significant amount. This raises serious questions about the adequacy of consumer protections and internal safeguards. Vulnerable customersparticularly seniors on fixed incomesshould never be exposed to such catastrophic consequences due to a single error. 

I am urgently requesting the following actions : Immediate reversal of overdraft fees and assistance to restore the account balance. 
A full review of XXXX XXXX overdraft and transaction approval policies by the CFPB. 
Implementation of stronger consumer protection measures to prevent similar incidents for other customers. 
This is not an isolated issue ; it reflects a systemic failure that places consumers at risk. Financial institutions must be held accountable for policies that allow such harm to occur. I urge the CFPB to investigate this matter thoroughly and ensure that Wells Fargo adopts practices that prioritize consumer safety and fairness. 

Thank you for your prompt attention to this urgent matter. I look forward to a swift resolution and a formal response. 

Sincerely, 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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I made a travel booking through chase travel on XX/XX/XXXX for an 'XXXX XXXX XXXX for XXXX nights, XX/XX/XXXX XXXX for two rooms. The payment was made by my CSR card and I was given the {$250.00} credit for the booking for it on the same day. 

On XX/XX/XXXX, I called Chase Sapphire Reserve support to get help on seeing if they can adjust my cost since the room rates dropped {$300.00} or more. I was told that they would need to cancel the booking and rebook the exact same itenarary for me to avail this new price. I was also assured that my {$250.00} edit credit would not be removed. The CSR phone rep made the booking and when I called the customer support again to confirm, I was handed over to a 'supervisor ' who assured me that since the booking was made within the same year and there was no change, the Edit credit would not be removed from my account. 

As of XX/XX/XXXX, I see that even after all these assurances and rebooking through chase travel that contractually obliges them to give me my {$250.00} edit credit, I was hit with a reversal of credit to the amount of XXXX x {$250.00} on XX/XX/XXXX. 

Why am I not getting the credit for my edit bookings anymore? As Chase intends to not fullfil its promises of providing me this credit that I am owed, I have been forced to escalate it here. 


You have ruined my holidays by throwing my finances in disarray and handing me an unwarranted and likely illegal {$250.00} charge that you are contractually obliged to provide me credit for. 

This is both humiliating and very stressful for me. 

Please respond soon. The latest 'superviusor ' I spoke with, her name was XXXX ' who also told me that the previous supervisor I spoke with on XX/XX/XXXX between XXXX - XXXX XXXX never esaclated this. Clearly, the assurance given to me by him were false and incorrect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Mercari, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am requesting that this case XXXX XXXX be formally reopened due to a material inaccuracy in Mercaris response that directly affected the outcome of the complaint.

Mercari stated that I received a chargeback or refund related to this transaction. This statement is false. 

I have spoken directly with my bank, and I was never issued a chargeback, provisional credit, or final refund for this transaction. At no point did I receive funds back from my financial institution. Mercaris claim that the matter was resolved through a chargeback is incorrect and unsupported. 

Because the case was closed based on this inaccurate assertion, the complaint outcome does not reflect the actual facts. The financial harm remains unresolved, and I am still out the full amount of the purchase. 

This transaction involved fraudulent misrepresentation by the seller, including the use of stolen photos to induce the sale. Fraudulent inducement voids internal platform policies and can not be dismissed based on false assumptions of reimbursement. 

I respectfully request that : 1. This case be reopened immediately ; 2. Mercari be required to provide proof of any alleged chargeback or refund they claim occurred ; and 3. The complaint be re-evaluated based on the confirmed fact that no reimbursement was ever issued. 

I am prepared to provide documentation from my bank confirming that no chargeback or credit was received. 

Thank you for your attention to this matter. I expect this issue to be reviewed based on accurate and verifiable information. 

Sincerely, XXXX

Company response to consumer: Closed with explanation