vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I noticed that my credit score dropped by XXXX points on XX/XX/year>. I called Credence to request further information. I told them that the debt had already been paid through XXXX. However, they refused to accept my proof of payment. The proof I have is a transaction summary from my bank showing XXXX payments totaling {$130.00}. I need the collection removed and deleted from my file immediately, and my credit score to return to my previous score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My partner and I share a checking account. He signed up for verification services through https : XXXX. On XX/XX/XXXX, we paid {$45.00} for a 3-month service intended to cover proof of attendance, with the expectation that the next charge would occur around XX/XX/XXXX for another {$45.00}. On XX/XX/XXXX, we were charged {$450.00}, which was not expected and does not match the agreed subscription amount or billing schedule. We believe this charge is incorrect. We filed a dispute with Chase regarding this transaction. Chase advised that the merchant provided proof the charge was authorized because the card was on file for the subscription. However, this does not explain the {$450.00} amount or the early billing date. Chase informed us that the dispute can not be reopened or refiled and advised us to work directly with the merchant. We have attempted multiple times to contact the merchant through web inquiries, but we have received no response. We are requesting a review of the handling of this dispute and assistance in resolving the {$450.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP
State: SC

Complaint narrative:
I sent my husband to Ameris Bank in XXXX SC XX/XX/year> to withdraw funds from our saving account. He was quietly waiting in the parking lot before business hours and was told he would have to leave he can not sit in the parking lot and wait for the bank to open. the branch XXXX XXXX XXXX told him this. She never asked him if he was a customer or not just told him he had to leave.We go back to the bank this morning because I wanted to speak with her regarding this. When speaking with XXXX this morning she started off listening however nothing was resolved she stated that we came in the bank to attack her and call her XXXX. She started crying and raising her voice so I thanked her for her time and let her know that I would be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: OK

Complaint narrative:
I've had to repeatedly go through this id verification process twice in one month they keep locking my card when I've verified everything, submitted documents that I was supposed to, and again they have locked my card they're giving me a hard time they're not unlocking my card when the documents I've submitted are not expired they're accurate and are the same documents I recently had to submit to them and got approved for now they're acting as if the documents are not right and they are, I'm fed up with this mess I need my account unlocked I have a family to take care of I can't afford for my funds to keep being withheld for no reason at all something has to be done this is insane!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
On XX/XX/scrub>, 2026, I submitted a CFPB complaint against The CBE Group demanding validation of the alleged debt they are attempting to collect and report. In my complaint and attached validation request, I specifically demanded documentation required under the FDCPA, including the original signed agreement, proof of ownership or assignment, purchase agreement, and complete accounting of the balance. I also specifically requested information necessary to verify the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ), including : XXXX The Date of First Delinquency ; XXXX The date the account was charged off ; XXXX The date the account was acquired by or assigned to The CBE Group . On XX/XX/scrub> 2026, The CBE Group responded to the CFPB stating they had mailed validation and ceased collection activity. However, their response failed to provide the specific FCRA reporting information I explicitly requested. They did not provide the Date of First Delinquency, the charge-off date, or the date the account was acquired or assigned to them. The CBE Group also failed to provide documentary proof supporting these reporting dates. Simply claiming validation was mailed does not satisfy my request for verification of the accuracy and completeness of the information being reported to consumer reporting agencies. Ceasing collection activity does not resolve the issue if the account continues to be reported without fully verifying the information I disputed. I am requesting complete verification of the debt and reporting information, not merely cessation of communication or collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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 non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ADP Inc.
State: MD

Complaint narrative:
I have been dealing with an ongoing IRS payroll tax issue involving ADXXXX for several years without a proper resolution. During this time, my case has repeatedly been transferred between different agents and departments, causing significant delays and confusion while IRS notices and balances continued accumulating. On XX/XX/year>, XXXX representative XXXX XXXX XXXX confirmed to me in writing that ADP had already sent a payment of {$15000.00} to the IRS for penalties and interest related to this matter and stated that my account was good to go. ADP also provided internal case number XXXX. After receiving that statement, I requested proof that the payment had actually been transmitted and properly applied, including payment confirmation and trace information, but I never received a response to that request. Then, on XX/XX/year>, I received an IRS LT16 collection notice stating that there was still an outstanding balance of {$18000.00} and warning of potential enforcement action if the matter was not resolved. I requested additional documentation and clarification from ADP, including : * proof of payment transmission, * XXXX trace numbers, * payment dates, * tax periods covered, * confirmation that the IRS received and applied the payment, * and escalation to senior payroll tax compliance management. At this time, I am extremely concerned that payroll tax payments withdrawn and managed through ADP may not have been properly remitted, processed, or applied, while the issue has continued unresolved for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am submitting a formal complaint regarding PayPals limitation of my account. My account has been restricted following only my second transaction ever, and the fundsrepresenting my salary for my virtual assistant workare being held for XXXX days. Transaction Details : Transaction ID : XXXX Amount : XXXX THB Recipient : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, United States Date : XXXX XX/XX/year> Despite my inquiries, PayPal has provided no concrete explanation for this limitation. Holding my funds for such an extended period is creating significant financial hardship, and the lack of transparency makes it difficult to understand or resolve the issue. I request that the BBB assist in facilitating the release of my funds or obtaining a clear and reasonable explanation from PayPal regarding the basis for this account limitation. Thank you for your attention to this matter. I appreciate your support in resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NH

Complaint narrative:
I am filing this complaint because MOHELA has issued an incorrect, conflicting repayment schedule that threatens my Income-Based Repayment ( IBR ) status, despite my timely recertification.On Sunday, XX/XX/XXXX, I received an official notice from MOHELA to recertify my IBR plan . I immediately completed the process. MOHELA sent an approval letter confirming my new monthly IBR payment amount of {$180.00}. However, the official payment schedule issued by MOHELA is completely wrong. It states I have only XXXX payments of {$180.00} starting today, XX/XX/XXXX. It then states my payment jumps to a {$500.00} Standard Repayment Plan on XX/XX/XXXX. Under federal regulations, an IBR approval must last for a full XXXX period. My {$180.00} rate should run through XX/XX/XXXX, not expire in XX/XX/XXXX. On XXXX, my recertification application currently shows as " processing. '' Because of a data sync delay between the federal portal and MOHELA, MOHELAs automated system is erroneously reverting my account to the standard plan based on my old deadline.I work during regular business hours and can not wait on MOHELAs multi-hour phone queues, nor can I accept surprise callbacks while assisting customers. I have already messaged MOHELA via their secure portal to request an administrative forbearance while this error is corrected, and I have filed an FSA Feedback case. I have attached photos of the processing screen on XXXX, my letter from mohela saying they have received my recertification request, a letter stating mohela has accepted it, along with my new payment schedule which is incorrect. XXXX has access to my tax info so this all should have been done automatically.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Re : Complaint and Request for Debt Validation To Whom It May Concern, I am filing this complaint against LVNV Funding LLC regarding an alleged debt they claim I owe. I requested validation of this debt, but the company has failed to provide sufficient proof that the debt is accurate, valid, or legally collectible. The collection agency continues attempting to collect and/or report this account to the credit bureaus without properly validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the following : Complete validation of the alleged debt. Proof that I legally owe the debt Documentation showing the original creditor and amount owed. Copies of any signed agreements or contracts. Verification that the collection agency has authority to collect this debt. Removal of inaccurate or unverifiable information from my credit reports. This alleged account has caused harm to my credit profile and financial standing. Until proper validation is provided, I request that all collection activity and credit reporting cease immediately. I ask the CFPB to investigate this matter and ensure compliance with federal consumer protection laws. Thank you for your time and assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hi, Im requesting a goodwill adjustment on a debt that I did incur, though I did not realize it at the time. There is a duplication in my accountsone business credit card with two linked accountsand the balances often differ, causing confusion. As a result, I went three or four months without paying due to this confusion, and I had to call the bank to clarify the situation. I had the funds available, and as you can see from my history, I have never been more than one month late. The bank called me today XX/XX/year> XXXX to inform me that they did not approve the adjustment that I filed with a report with the Consumer Financial Protection Bureau ( Complaint ID : XXXX ) However, I insist that this is not fair. Even though it is within the legal framework, this was an honest mistake I have never made before. I am resubmitting this because I believe it deserves further review. Furthermore, I request that the bank does not contact me directly but that all communication goes through the Consumer Financial Protection Bureau, so that they may review my case thoroughly. I appreciate your reconsideration and support. In the previous report, all of my statements are attached

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 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am submitting this complaint against Affirm regarding a disputed XXXX Buy Now Pay Later transaction that Affirm repeatedly refused to properly investigate despite substantial evidence showing the order was cancelled. The disputed transaction amount is approximately {$610.00} associated with Product ID XXXX. On or around XX/XX/year>, an XXXX order financed through Affirm was cancelled. Amazons own order records clearly show : - Cancelled by XXXX - Your order was cancelled- You have not been charged for this order I submitted screenshots and documentation to Affirm multiple times proving the order cancellation and refund-related activity. Despite this evidence, Affirm repeatedly closed the dispute in the merchants favor and continues attempting to hold me responsible for the balance. Affirms denial emails state : Affirm lacks sufficient evidence from customer and/or merchant. This response is contradictory and concerning because : - Amazons cancellation evidence was already provided ; - Affirm never explained what evidence they reviewed ; - Affirm never explained why the cancellation screenshots were rejected ; - Affirm never provided any merchant evidence supporting continued liability ; - Affirm appears to have conducted either an incomplete or automated investigation. This is now the third time Affirm has denied the dispute without providing a meaningful explanation or properly addressing the cancellation evidence. I believe Affirm failed to conduct a reasonable investigation as required under federal consumer protection laws, including the Fair Credit Billing Act and Truth in Lending Act. I am also concerned Affirm may continue attempting to collect or potentially furnish inaccurate information regarding a disputed cancelled transaction. I have attached screenshots showing the cancellation notices, dispute outcome emails, and related records supporting my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Failure to Honor Benefits, Harassment, and Threatening Collection Practices To Whom It May Concern, I am writing to formally dispute the handling of my XXXX XXXXXXXX account and to file a complaint regarding both XXXX XXXXXXXX XXXX and Midland Credit Management. For an extended period of time, XXXX XXXX XXXX charged me monthly fees for Credit Protection services that were represented as protection in the event of financial hardship, unemployment, XXXX, or other qualifying circumstances. I paid these fees in good faith with the understanding that assistance would be provided if I experienced hardship. When I later experienced legitimate financial hardship and needed assistance, XXXX XXXX failed to properly honor or provide the protection benefits I had been paying for. Instead of receiving meaningful assistance or relief, my account was eventually transferred or sold to Midland Credit Management. Since that time, Midland Credit Management has repeatedly contacted me in a manner I consider excessive, intimidating, and harassing. Midland previously informed me that they would no longer contact me except for legal reasons ; however, they have continued contacting me despite those statements. In addition, I have received repeated threats of legal action and threats to sue me, which have caused significant stress and anxiety. I believe the actions of XXXXXXXX XXXX XXXX are unfair and potentially deceptive because I was charged for a protection product that did not provide the promised benefit when needed. I also believe Midland Credit Managements continued collection activity, repeated communications, and threats may violate consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the following : A full investigation into the Credit Protection fees charged on my account. Documentation explaining why my hardship claim or eligibility for benefits was denied or not honored. Full validation of the alleged debt currently being collected. Immediate cessation of excessive, harassing, or threatening collection communications. Written clarification regarding why Midland continued contacting me after stating communication would be limited to legal matters only. Consideration for removal, adjustment, or settlement of the balance due to the failure of the Credit Protection program I paid for. Written confirmation of the outcome of this complaint within XXXX days. Please treat this matter seriously. If this issue is not resolved satisfactorily, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other appropriate regulatory agencies. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I am filing this complaint against Comenity Bank regarding a XXXX retail credit card account. I recently completed an 18-month 0 % promotional period. Due to an honest oversight, I missed the exact expiration deadline by a very narrow window. As a result, Comenity Bank retroactively applied a massive lump-sum deferred interest charge to my account. I immediately contacted customer service and a supervisor to resolve this. I explicitly offered to pay off the entire remaining principal balance in full over the phone immediately if they would grant a one-time goodwill waiver for the interest. The bank refused to review my positive payment history or offer a goodwill exception, stating they could not reverse a 'valid charge. ' I am not disputing the contract terms, but rather requesting an executive review for a standard industry goodwill adjustment. I am fully prepared to close out the original principal balance today if the deferred interest charge is waived. Sales lady in the store told me interest would start after the 18 months nothing about back interest. I would not have gone with my selection if I was made aware of these terms at the point of sale. They charged me {$2800.00} on XX/XX/year>. All I am asking is to reverse the lump sum and I will pay the previous balance immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Before collection Ive offered to send back the device with XXXX nobody ever sent a box nor returned a phone cal.

Company response to consumer: Closed with explanation