vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I authorized a debit from my checking account in the amount of XXXX. The company was Amerigas propane ; they were suppose to come between XX/XX/XXXX & XX/XX/XXXX to deliver XXXX gallons of propane. They never did. On XX/XX/XXXX I ended up having to place an emergency order to have it delivered again. I called Amerigas and requested a refund for the first order on ( XX/XX/XXXX, XXXX, XXXX & XXXX ). I never recieved the refund. On XXXX I talked to XXXX at headquarters and she finally got my propane delivery ( on my second order ) and said she would process a refund on the first order ; I never received it. On XXXX I request that Wells Fargo investigate and get me my money back. After almost XXXX weeks I received a letter saying they couldnt help me because I receive goods from my order. I did not receive anything for my order. Its been over a month and Im still out over XXXX dollars.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
Validation of Debt Request - JEFFERSON CAPITAL SYST - XXXX * * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC
State: FL

Complaint narrative:
InXX/XX/XXXX I was robbed through XXXXhase bank. I lost over 100000. Due to this robbery inside Chase, I lived off of credit cards. When I tried to consolidate some bills I used Citizens Debt Relief. Originally I had XXXX major credit cards to pay. My father paid off XXXX of the XXXX credit cards leaving me with only the {$5100.00} Bank of America credit cards to repay. I called citizens and explained this. They said they would amend the details of our contract. I stayed paying forXX/XX/XXXX years. The amount of {$790.00} a month. Then somewhere the company started making me pay {$200.00} a month. I spoke to several agents on the progress and no one ever had the same information. I am currently being sued by Bank of America for non payment of this bill. Citizens debt relief stole all of my money and never paid the bill. I asked for supervisors multiple times and no supervisor ever called. Im leaving multiple emails and never get a real response. My court date is XX/XX/XXXX and I will show how citizens debt relief has robbed me in court.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
Validation of Debt Request - NCB MANAGEMENT SERVICE ( XXXX XXXXXXXX XXXX XXXX XXXX ) - XXXXXXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request - NCB MANAGEMENT. SERVICE - XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I am submitting this complaint regarding a late payment that was reported on my student loan account serviced by Aidvantage. My loans were previously in deferment during the federal student loan payment pause. When repayment resumed, I was not aware that my payment had restarted, which resulted in a late payment being reported to the credit bureaus. As soon as I became aware that repayment had resumed, I immediately brought the account current and have continued making my payments on time since then. I contacted Aidvantage directly to request a review and goodwill adjustment because the late payment occurred during the transition period when federal student loan payments restarted nationwide. However, my request was denied. This late payment is now significantly affecting my credit profile and my ability to qualify for a mortgage. I believe the reporting is unfair given the circumstances surrounding the repayment restart period. I respectfully request that Aidvantage conduct a full review of this late payment and consider removing the late mark from my credit report as a courtesy adjustment due to the repayment restart confusion. I am committed to maintaining my account in good standing and would greatly appreciate assistance resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a call from a Wells Fargo rep from ( XXXX ) XXXX The first person stated they were calling from the fraud dept. To verify " suspicious charges ''. I stated I didn't have a credit card or any accts with Wells Fargo. They had my previous married name that I havent used in over XXXX yrs. They a previous address correct. I asked for proof of this situation and she stated she didn't have access to my profile and would pass me to a supervisor who answered within XXXX seconds. The next person " supervisor '', never asked who I was & didn't verify me. She confirmed I had opened a credit card acct at a branch in.Toronto ( I don't even have a passport ). She also accused me of making charges to a child XXXX site and informed me this was illegal. That issue " raised flags '' for their fraud dept. I told them I suspected they ( the caller ) 'were the scammers & hung up. I immediately called Wells Fargo and was told they only see an old acct and they didn't have any info I was told by the caller. There were many suspicious statements made during the first call. I will not use my social security number. When I contacted Wells Fargo they used my name XXXX XXXX and my phone number of 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 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
When interest rates began to drop I contacted Rocket Mortgage, my current home loan lender to decide whether to refinance. I spoke with a Rocket Mortgage Banker named XXXX XXXX who went through the numbers with me. On our initial call he told me that I would receive a XXXX XXXX dollar check for refinancing with Rocket Mortgage. There was no qualification or requirements mentioned. It was a topic several times throughout the refi process. I asked when I would be receiving the check and was told about XXXX weeks after closing. We closed on the XXXX of XXXX and afterwards I contacted XXXX XXXX requesting information of the check. I was told he would check on it and get back to me. He never did. Approximately XXXX weeks after closing I got a refund check for overpayment but the XXXX XXXX dollars was not included. I contacted XXXX XXXX again ( I have the transcripts of the text messages ) and inquired about the XXXX XXXX. Over and over he promised a response and I never got it. The last time, approximatley XXXX weeks after closing, he asked for a phone call. That's when he told me there was no check, that the money was absorbed by closing costs. I told him that he had stated I would get that as an incentive to refinance, and that no one ever told me that it was coming from, or part of closing. I told him I believed he was deliberately deceptive and that we were manipulated into making a decision to refinance based on false information. He apologized. I said that's nice but I was very unhappy and that I would report it to his superiors. His response was " I guess I should consider it a coaching opportunity ''. I contacted Rocket Mortgage last Thursday ( today is Wednesday, XX/XX/year> ) and spoke with a Consumer Advocate who promised to listen to the audio recordings and review the transcript of my text conversations with XXXX XXXX. She called me yesterday after reviewing it and said " Yes, it was never made clear that the money would come from closing or that there were any conditions or qualifications. I said, This check was used to deceive my wife and I into refinancing, we are remodeling our home and that would go a long way towards finishing the work. So the promise of the XXXX XXXX dollars played a significant role in our decision to refinance. She apologized for the mistake and closed the case without any resolution. I and my wife were manipulated by deceptive information designed to entice us into spending thousands of dollars to refinance with Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
So I was trying to settle a debt with gm financial and they said they wouldnt accept a payment. So I feel like it should be taking off my report if I cant settle and take care of it and I have a recording of my conversation where they state they wouldnt accept any payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened my checking account with JPMorgan Chase Bank on XX/XX/XXXX in New York and have been using it normally without any problems. Recently I traveled to Texas and XXXX because I am transferring my studies to Texas. During this time I spent more money than usual because my parents were sending me money to help with expenses. On the night before this issue happened, I went to sleep around XXXX XXXX. When I woke up the next morning, I received an email saying my account had been blocked and that I could no longer use the bank. I immediately went to a Chase branch to ask for the reason. The staff member was very unhelpful and could not explain why my account was blocked. He contacted Chase support but still could not provide any information. My card was also taken by the staff member without clearly explaining why. After that, I contacted Chase support by phone, but they only told me that I am no longer their client and that I violated their rules. However, they did not explain what rule I supposedly violated. I believe this is unfair because I did not do anything wrong. My transaction history clearly shows normal daily spending, and the only thing I did was use my card normally and link it to the XXXX app. I am requesting a clear explanation for why my account was blocked and I want the bank to review my case and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
* My AMEX account was closed in early XX/XX/year> without warning. * XXXX years as a customer, $ XXXX in spend, ~ $ XXXX in membership rewards points unredeemed. * Company refused to offer an explanation for why they closed my account. * Company refused to reinstate my account. * Company refused to give me the cash value of my membership rewards points even though under New York XXXX XXXX XXXX and NY Department XXXX XXXX XXXX regulations, forfeiture of earned rewards upon account cancellation is not permitted, meaning I am legally entitled to the value of my unredeemed points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am requesting the following : XXXX. Full validation and documentation proving this account was lawfully established for Collection and charged off. XXXX. Copies of the original signed contract or agreement bearing my signature. XXXX. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : LVNV FUNDING LLC Account Number : XXXX * * * * Date Opened : Different Date Opened on TransUnion, XX/XX/year>, Experian and Equifax XX/XX/year> Amount : {$2900.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA XXXX XXXX XXXX, FCRA XXXX ( a ), FCRA XXXX XXXX XXXX, FCRA XXXX, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is XXXX XXXX XXXX which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required XX/XX/XXXX days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Suspect Information : - Name : XXXX XXXX XXXX also known as XXXX XXXX ) - Affiliation : Represented as an employee of Regions Bank ( XXXX XXXX XXXX, XXXX, Texas XXXX ) Summary of Allegations : Starting in XX/XX/XXXX, the suspect leveraged a personal relationship and her purported XXXX tenure at Regions Bank XXXX encourage the transfer of XXXX business accounts and personal funds into " investment products '' she claimed were bank-sanctioned. She represented that she had the authority to manage, withdraw, and transfer funds within these accounts for market investments. Financial Impact : The total amount involved is approximately {>= $1,000,000}, consisting of : - Approximately {>= $1,000,000} in bank deposits ( matured CDs, wires, and checks ). - Approximately {>= $1,000,000} in cash given directly to the suspect, for which I possess XXXX signed receipts.

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
PayPal reversed a {$6100.00} check withdrawal ( XXXX XXXX ) on XX/XX/year>. On XX/XX/year>, PayPal agent 'Paco XXXX admitted in a recorded chat that the check was stopped but the funds never returned to my PayPal balance. He issued a {$25.00} credit to acknowledge PayPal 's error and opened XXXX XXXX XXXX. As of today, XX/XX/year>, it has been 37 days since the reversal. Supervisor XXXX XXXX ( calling from XXXX ) refused to issue a manual or provisional credit today, despite the confirmed error. This is a violation of Regulation XXXX regarding the timely resolution of errors and withheld funds. I am requesting the immediate return of my {$6100.00} principal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I submitted proof of insurance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on a call that lasted over an hour on XX/XX/XXXX. I received my first notice of the lapse in their system on XX/XX/XXXX for a lapse in XXXX after XXXX sold the loan to Rocket Mortgage. I had no lapse in coverage and instead had overlapping coverage to prevent this after switching insurance agents. Despite me, my insurance agents calling and emailing proof numerous times with confirmation emails, I was still charged removing the money from my escrow illegally. The call is recorded with Rocket Mortgage for my case should you need proof of these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
RADIUS GLOBAL SOLUTION has flagged your account as Collections on XX/XX/year>. Source : XXXX Company : RADIUS GLOBAL SOLUTION Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/year> Balance : {$590.00}

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Unable to access online after being locked out since XX/XX/XXXXXXXX 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