vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SOFI TECHNOLOGIES, INC.
State: KY

Complaint narrative:
I joined Sofi bank in XX/XX/year>2024 specifically because of their advertised high-yield APY savings account, which at the time was the highest APY in the country and they advertised that fact heavily. It was 4.6 % at the time that I joined the bank, as long as you had direct deposits into your savings account, which I set up in order to qualify. The rate has changed steadily ( declining ) since I joined but I understood that it was within the expected change based on national banking/economic standards, and Sofi remained the highest-yield savings account in the country or within the top XXXX for most of the time I have been a member. However, they have recently announced that they are ending the high-yield APY for savings accounts for all bank members, unless you opt-in to a new monthly subscription service called " XXXX XXXX, '' which then gives you the high APY rate again along with " other perks. '' Since I ( and many others ) joined Sofi bank specifically for this perk, and are now being told we have to pay a monthly fee to receive it, I believe this was a predatory practice on the part of Sofi. It violates the agreement between myself and the bank that existed when I joined as a member. I believe that either I ( and all other existing Sofi customers ) should be grandfathered in to the higher APY rate, allowing new members to join at either the lower rate or the for-cost " XXXX XXXX '' program, or that the program should be disallowed altogether as a predatory practice. Sofi has faced legal and regulatory concerns for predatory practices in the past and this is a clear example of it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am filing this new complaint against Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX ) for willful non-compliance with the FDCPA and FCRA, following their inadequate and evasive responses to my previous complaints ( XX/XX/XXXX XXXX and XX/XX/XXXXXXXX ). XXXX. Bad Faith Delay and Administrative Obstruction Regarding complaintXX/XX/XXXXXXXX, the company failed to provide a substantive response within the standard XXXX-day window. They required multiple reminders from the CFPB and intentionally waited until the XXXX day to provide a boilerplate response. This delay was a calculated tactic to jeopardize my active mortgage approval process, which I have repeatedly disclosed to them. XXXX. Failure to Address Evidence of False Urgency ( 15 U.S.C. XXXXe ) The company claims their " review did not identify any violations, '' yet they provide no evidence to refute the documented actions of agent " XXXX XXXX ''. On XX/XX/XXXX, this agent claimed a settlement would expire on XX/XX/XXXX, but the same terms were offered on XX/XX/XXXX. The companys response completely ignores this specific allegation of " false urgency '' used to coerce payment. XXXX. Unexplained Balance Fluctuations and Unverifiable Data In complaint XX/XX/XXXXXXXX, I provided evidence that the balance dropped from {$3600.00} ( on XX/XX/XXXX ) to {$3600.00} ( on XX/XX/XXXX ) without any payment being made. The companys response failed to explain this {$10.00} discrepancy. Per 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), information that can not be verified must be deleted. Their inability to maintain a consistent balance during an active investigation proves the debt is unverifiable. XXXX. Refusal to Provide Written Documentation The company continue to refuse to provide a formal settlement offer in writing prior to payment, directing me instead to a portal that " does not constitute a formal settlement agreement ''. This is a predatory tactic designed to deny me legal proof of an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have a checking account with Wells Fargo. I leave the balance low until i need to pay something. Then I transfer from my savings to cover my expenses. They kept charging me overdraft fees for subs ription services I do not have. I called them about it and they refunded me for XXXX out of many of the charges, even though i told the they were not my charge. They said they had mad a correction once this year and could not make another. The previous complaint the again partially refunded the charge They always say that's all they can do.

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 2026-03-25 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and failure to properly investigate disputed information by LVNV Funding. A collection account is being reported on my credit report that I dispute in its entirety. I previously disputed this account through a consumer reporting agency, and it was marked as verified as reported, however no documentation or evidence was provided demonstrating how the information was verified. I have not been provided with any documentation supporting the alleged debt, including any signed agreement, account-level records, or proof of ownership of the debt. As a debt buyer, LVNV Funding is required to maintain accurate records and provide documentation supporting the validity of the account. Despite my dispute, the company continues to report this account without providing such documentation. This raises concerns regarding compliance with the Fair Credit Reporting Act, including the requirement to conduct a reasonable investigation. The continued reporting of this account without proper verification is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase has closed both of my accounts. I have had both cards for XXXX and XXXX years. I am never late on a payment. I have lost my mother and I am dealing with XXXX. I also have a XXXX XXXX ( XXXX ) cause by spoofers who are hacking my cell phones, bank accounts and credit cards. I do not want to further ruin my credit. The accounts were open on XX/XX/XXXX th and then closed on XX/XX/XXXX th for non payment. I can pay both of the accounts. I can pay about {$50.00} a month. Also I have another creditor who have reopened a closed account for me due to hacking. There are people hacking my XXXX cards and they have ruined my XXXX account. I needed time to get to the bank and change the auto pay. I hope that he can re open the accounts. I am sure there are other people who have worse accounts than I. There are criminals stealing money yet they still have Chase accounts. I am not a thief and I deserve to have my accounts reopened. I would like to have my accounts re opened. There are other creditors with a worse problem, however, this company is assisting them with a payment plan. And their accounts are not closed. I hope that he is not being biased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: VA

Complaint narrative:
On my behalf of my security this company has violated this laws, ( 15 usc 16666 ) 15 us 6802 /15 use 680 ( 15 usc 1692g/15 us 1692 c ( c ) ( 15 usc 6802 /15 usc 6801 ) Inquries ( 15 usc 16816 ) i have not had ownership of this account Account XXXX XXXX. Our lease term ended in XXXX of XXXX and the new lease agreement was never given to us because we were not living there. Also, I did not agree for this debt collector company to share my personal information or contact me via email, text, etc. This is a direct violation of my privacy and we will be taking legal action if this account does not get deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX I had history with accounts opening up under my name and information especially citizenship information long story short I had couple of email coming from XXXX saying a owe a balance of $ XXXX plus which i have never opened up an account with chase and I dont elwant to be responsible for this money due to the fact that I never did business with chase or opened up any type of account with chase. Im hurt and sad becouse I never would've thought I woukd recieved emails and mail from chase and etc knowing that im in shock by this. I would like this account to be close or shut down please and have this remove from my name and social... I been getting this email every month about this collection that I have no clue of me opening this account with my consent or permission neither gave someone or anyone authority to co sighn me or add me to their account or had people come to me and ask me never in my adult child I expected this to happened. I ran my personal info online with my social and state id and showed me a couple of account that I never hurd off of nor did business with or gave someone permission to use my identity to open account up or credut account. I saw a couple if accounts that were opened such as chase. And im devastated and shock and concern and overthinking everything. Please expedite my concernsand my awareness, thank you so much. I recieved email from chase and calls and text and mail and when I did my check on my social it listed this bank and etc. Please help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OK

Complaint narrative:
I had a customer send me XXXX payments XXXX was {$25.00} the other was {$300.00} and it was through Cash app I went on the app and updated my debit card because I got a new one with new expiration date. When I try to withdraw my funds it shows my account is suspended due to suspicious activity.i called on XX/XX/XXXX and explained what happened the told me they would get back to me in XXXX days I haven't heard from them so I called back on XX/XX/XXXX and XX/XX/XXXX they keep telling me they will email me in XXXX days will not let me speak to the escalations department. And as of now my money is still frozen. I have verified my identity and account on their app but all the say is it will be escalated but refuse to give me a direct number to talk to a voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had this account open for over XXXX years with Chase Bank. When XXXX took my payment earlier than I told them to the bank closed my account cause of {$160.00}. is that right to do to someone?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX is a third party collector and are not the original owner of this account that they purchased from Bridgecrest. Further more they are illegally re-aging the open date which violates FCRA and FDCPA extending the time negative items stay on my report. Therefore I believe this account needs to be removed i have sent experian proof of the open date and they failed to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted a complete mortgage assistance application to Chase on or around XX/XX/year>, including documentation of my Social Security XXXX income, a letter confirming an increase in my monthly SSDI benefits, and a signed letter showing an additional {$500.00} per month in household financial support. I was seeking assistance to bring my loan current after falling approximately XXXX months behind ( about {$13000.00} ) due to financial hardship. Chase denied my request and later confirmed through the XXXX XXXX that my income and expenses were not considered in the evaluation because my loan was more than XXXX days delinquent. Despite not reviewing my financial information, Chase concluded that there was no change in my circumstances to improve affordability. This decision is inaccurate and incomplete because my updated financial information, including increased SSDI income and additional household support, was not evaluated at all. Additionally, I was informed that my file was only reviewed under a streamlined process and was not submitted for a full hardship review or investor exception review, meaning not all available options were considered. I requested clarification on the XXXX XXXX XXXX guidelines used in my denial and how my financial information was evaluated, but I did not receive a clear or complete explanation. I am now in a position where I can resume making my regular mortgage payments, but I am being denied the opportunity to bring my loan current based on an incomplete review. I am requesting that Chase conduct a full and proper review of my application using all submitted financial documentation and provide a clear explanation of the guidelines used in their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed a XXXX account reported as a charge-off. Experian verified it without correcting errors. The account shows a balance but reports a high credit of {$0.00} and inconsistent status. The information is inaccurate and not verifiable.

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 2026-03-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Currently, I am unable to log in because the phone number linked to my account for verification is no longer active. I have attempted to update my contact information, but I have found that I can not resolve this issue without first being able to access the account associated with that old number. Could you please advise on the alternative steps I need to take to verify my identity and regain access to my account so that I can update my phone number

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 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Purchased car by finance in XXXX. Car was repossessed in XXXX. Tried to make a request for payment plan to pay balance off. Car was already sold and account was closed. Car was in Good condition with new tires. Replaced radiator, fans, body work, sound system totaling over XXXX. I reached out in reason to get the car back due to putting so much money into the car. Willing to pay to get the car back but was astonished to find out the car was already sold.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I sent a wire transfer from my Wells Fargo account that i opened on or about XX/XX/year> to my father XXXX XXXX. I was then informed that the transfer was cancelled by my bank. Fist of all the man shares my last name I entered him by hand with bank account information. Secondly its my money I should be able to spend it how I see I fit I earned it : Thirdly it shouldnt matter how new, old Or in between. The account is for me to access my money that belongs to me. Furthermore I fully verified the account with phone, card, social, name address. Why do you need more if I give you a code sent to my phone that I have in my hand that is registered to my account? It is highly unprofessional and inconsiderate to freeze someones account without first attempting to reach out over phone or email to contact them. People depend upon their funds to survive. Then lastly I will not drive 3-4 hours to walk into a branch of Wells Fargo just to hand them my ID.

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX attempt to enforce and collect on a Michigan judgment that was no longer legally enforceable at the time of collection activity. The underlying case is XXXX XXXX XXXX v. XXXX, XXXX XXXX. XXXX, filed in the XXXX XXXX XXXX XXXX Michigan XXXX. The court record reflects : Judgment entered : XX/XX/XXXX Judgment renewed : XX/XX/XXXX ( for XXXX years ) No renewal after XX/XX/XXXX Judgment expiration : XX/XX/XXXX Despite the expiration of the judgment, XXXX XXXX initiated post-expiration garnishment activity : Writ of garnishment issued : XX/XX/XXXX Garnishment served : XX/XX/XXXX Funds disbursed from my bank account : XX/XX/XXXX ( {$4100.00} ) Writ withdrawn : XX/XX/XXXX At the time the writ was issued and executed, the judgment had already expired and was no longer legally enforceable. Why This Is a Problem XXXX XXXX attempted to collect on a judgment that was no longer valid under Michigan law. By doing so, they misrepresented the legal status of the debt and used legal process to collect funds that were not legally recoverable. This resulted in the seizure and disbursement of {$4300.00} from my bank account which includes {$130.00} in fees directly related to the funds being withdrawn. I filed a timely objection to the garnishment ; however, the funds were disbursed before the matter could be heard. XXXX XXXX subsequently withdrew the writ, avoiding a court ruling on the issue. Attempts to Resolve I sent a formal written demand to XXXX XXXX XXXX and their attorney requesting return of the funds. They have not responded within the requested timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: GA

Complaint narrative:
I have unknown account ( fraud ) XXXX sold another company, refuse to resolve the matter of id theft. Please remove that account. This is NOT MINE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
This is the second complaint that I have had to file against this company through the CFPD. My mortgage was sold to them and they have miscalculated my escrow. They paid my insurance company upfront, and after that I switched to a cheaper insurance provider. They then paid the new company and left me with an escrow shortage, which I completely understood. After my insurance company refunded me, I added {$2000.00} to my escrow on XX/XX/XXXX along with my mortgage payment of {$1900.00}. Since then my mortgage has jumped from {$1900.00} to {$2700.00}, with {$1300.00} going into escrow. By the end of the year, I will have paid {$15000.00} plus the {$2000.00} I added, making it {$17000.00} JUST in escrow. There is no math that can be performed where that makes even a bit of sense. Clearly there has been a miscalculation and they will not fix it. I spoke with a customer service representative in XXXX, who also felt there was a miscalculation and stated that she would have someone reach out to me. From XX/XX/XXXX, to date, this is my quoted mortgage. I submitted an email request for them to contact me on XX/XX/XXXX and again on XX/XX/XXXX to request the reanalysis and discuss this miscalculation. I have yet to hear from anyone at the company. They are overcharging me over {$700.00} a month and at this point it has to be seen as a refusal to correct it. I submitted a previous complaint and they did not directly address the miscalculation nor offer a solution.

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