vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/year> AMSHER COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX | ( XXXX ) XXXX Account Number : * XXXX {$170.00} To Whom It May Concern : Have no idea who and what this is for. This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. XXXX ( c ), that you are hereby instructed to CEASE AND DESIST from any and all communication with me regarding the above-referenced account. Under 15 U.S.C. XXXX ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to : Advise that further collection efforts are being terminated ; Notify the consumer that certain specified remedies may be invoked ; or Notify the consumer that the debt collector intends to invoke a specified remedy. You are hereby directed to immediately stop : Telephone calls to my home, cell phone, or place of employment Emails or electronic communications Text messages Letters, except as permitted under the statute Contacting third parties regarding this alleged debt Be advised that any continued contact beyond what is permitted under federal law will be documented as a violation of the FDCPA and may result in a complaint being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and/or civil action for statutory damages, attorneys fees, and costs. This notice does not constitute an acknowledgment of the alleged debt, nor does it constitute a refusal to pay. It is simply a demand that you cease communication as provided under federal law. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR

Complaint narrative:
I was LIED to and SCAMMED by dividend and thier contract terms are false and impossible. They state in the contract that I am supposed to recieve a tax refund from my solar panels and then turn around and hand to them to keep my payments from raising, however two different tax professionals have informed me that that is incorrect and IT IS NOT A TAX REFUND IT IS A TAX CREDIT THAT WILL BE APPLIED TO FUTURE YEARS TAXES THEREFORE I WAS UNABLE TO RECIEVE THE CASH IN HAND TO GIVE TO THEM TO KEEP MY MONTHLY PAYMENTS FROM RAISING. It was a lie and a scam in their contract and I have the recorded phone calls from tax professionals explaining that these terms are impossible. They have raised my monthly payments from {$190.00} to {$280.00} a month. SCAM COMPANY PLEASE HELP US!!!!!!!! These people KNOW it is impossible to recieve the money to put back on the loan to keep my payments at same price and that is their scam!!! Its impossible to do that according to two different tax professionals!!!! I uploaded the phone calls with tax professionals and dividend and shine solar who sold the panels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614. This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit are required under UCC 9-611 and 9-614. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

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: Self Financial Inc.
State: AL

Complaint narrative:
SELF FINANCIAL is falsely reporting on my credit. I have never had any accounts with them. Per my research SELF FINANCIAL 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 2026-03-05 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

Complaint narrative:
Account was negative Monday with extra day to bring account current. Account was brought current the following day with account displaying positive balance. Following day in was given XXXX over draft fees totaling {$110.00}. When I called the bank to ask why they said it had been processed already. They said indent have a full day but I asked why would my bank statement show a positive balance when I deposited cash not check into the atm. They said it was not processed and only could tell me about processing time frames but could not explain to me why my balance was displayed as positive. I have been with this bank for over XX/XX/XXXX years and it seems like they dont care about the customers they rather charge fees. I am already aware of several law suits tied to this same sort of incident. The overdraft notice was XX/XX/year> the deposit was made on XX/XX/year> and my direct deposit hit my account on XX/XX/year> with {$100.00} with of fees taken out idly account

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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I booked a round-trip Premium Economy ticket from XXXX ( XXXX ) to XXXX ( XXXX ) through the Capital One Travel portal using a Capital One Venture X credit card. At the time of purchase, the portal clearly displayed multiple fare options. I intentionally selected the Premium Flex fare, which was priced higher than other options because it was explicitly marketed as fully refundable to the original form of payment if cancelled. The portal also offered a cheaper partially refundable ticket, which I did not choose specifically because I wanted the flexibility of a fully refundable fare. The ticket was issued for travel departing XX/XX/year> from XXXX to XXXX via XXXX on KLM Royal Dutch Airlines, with a return scheduled for XX/XX/year>. When I later contacted Capital One Travel to cancel the ticket under the Premium Flex fare conditions, I was informed that certain taxes were non-refundable, including XXXX GST, and that approximately {$300.00} of the total amount would not be refunded. This contradicts the airlines fare rules for Premium Flex tickets, which state that refundable fares should be refunded when the ticket is unused. After I followed up again with customer service due to the lack of progress and the approaching travel date, I was informed that the non-refundable amount had increased to approximately {$840.00}, significantly reducing the refund that would be issued. This change occurred despite the fact that the ticket had not been used and no additional services were consumed. The explanations provided by Capital One Travel have been inconsistent and appear to contradict both the fare rules and the refund terms displayed at the time of purchase. I was also required to repeatedly call customer service to obtain updates on the refund request, as no proactive follow-up or callback option was provided. In summary, I purchased a ticket that was clearly marketed as fully refundable, paid a higher price specifically for that flexibility, and am now being told that significant portions of the ticket are non-refundable due to taxes that should not apply when the ticket is unused. The non-refundable amount has also changed materially during the process without a clear explanation. I believe this represents misrepresentation of the fare conditions and failure to honor the refund terms that were advertised at the time of purchase. I am requesting that Capital One Travel honor the Premium Flex fare conditions and issue the full refund to the original form of payment for the unused ticket.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My vehicle was declared a total loss on XX/XX/XXXX. At that time, the payoff balance on my auto loan with Capital One was {$28000.00}, which included interest accrued through the date of loss. The primary insurance company issued payment toward the loan, and a GAP claim was processed through the GAP administrator. According to the GAP claim documentation, a GAP payment in the amount of {$6800.00} was issued on XX/XX/XXXX. After the insurance and GAP payments were applied, Capital One reported a remaining deficiency balance of approximately {$2500.00}. I requested documentation from Capital One to verify how this remaining balance was calculated. Specifically, I asked for the full loan transaction history from the date of loss through the date the GAP payment was applied, including daily interest accrual, the dates insurance proceeds were posted, and the balance before and after those payments were applied. Despite multiple requests, Capital One has not provided the requested documentation needed to reconcile the account balance. Instead, I was offered a settlement of {$500.00} to resolve the matter without receiving the documentation necessary to verify the balance. Without access to the loan ledger and transaction history, I can not determine whether the remaining balance is accurate.

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: Larry H. Miller Group of Companies
State: AL

Complaint narrative:
PRESTIGE FINANCIAL is falsely reporting on my credit. I have never had any accounts with them. Per my research PRESTIGE FINANCIAL 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 explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
I looked at my credit report from Experian and noticed a collection with Harvard Collection Service for Illinois Dept of Human Services. I called the number on the credit report to let them know I live in Texas and have no dealings in Illinois and also informed that I will send a debt validation and that they need to remove this off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXXI walked into Apple bank branch on XXXX and XX/XX/XXXX, NY stated that my account was closed after attempting to make a withdrawal from the banks ATM machine, card got declined Teller had me withdraw my funds, also called I spoke with representative XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: AL

Complaint narrative:
TRUEACCORD C is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD C 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 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have a collection that has been on my credit report for over 6 years. Upon reaching out the the Bureau, I found out that the Date of First Delinquency is incorrect. The last time I made a payment on the account was XX/XX/year> with a due date of XX/XX/year>. The following payment was due on XX/XX/year> and this payment was never made. That put my account in delinquency as of XX/XX/XXXX but all the bureaus have my date listed as XX/XX/XXXX which is currently adding time to my 7 years since first delinquency. When I called Midland Credit, the company that currently owns the debt to inform them of the incorrect data in the bureau entry,, the supervisor responded back to me " who cares '' and asked me " what difference would it make? You still owe us. '' The time that it will take for this mark to fall off my report is extremely important to me but the agent was extremely dismissive and told me there's nothing they can do about the error. It is impossible to reach the original company about this discrepancy because they no longer own the account so the onus lies on Midland to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint regarding multiple unauthorized transactions on my Synchrony Bank credit card account ending in XXXX. Between XX/XX/XXXX and XX/XX/year>, approximately 13 transactions were processed on my account that I did not authorize. These transactions occurred within a short period of approximately 48 hours, which is highly unusual compared to my normal spending activity. As soon as I noticed these charges, I contacted Synchrony Bank to report the transactions as fraudulent. I clearly explained that I did not make or authorize any of these purchases and requested that the transactions be investigated and removed from my account. However, the investigation conducted by Synchrony Bank was either incomplete or incorrectly resolved, and the charges were not properly removed from my account. I believe the investigation did not adequately consider the suspicious pattern of the transactions, which all occurred within a short time frame and are inconsistent with my normal account activity. I am requesting that Synchrony Bank reopen the fraud investigation immediately, review the evidence again, and remove the unauthorized charges from my account. I am attaching documentation including : A written dispute letter A timeline of the fraudulent transactions Supporting documentation These charges were not authorized by me, and I am requesting that Synchrony Bank correct my account balance and ensure that I am not held responsible for these fraudulent transactions. Thank you for your assistance in resolving this matter.

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 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: MS

Complaint narrative:
Roughly XXXX months ago, I wanted to cancel my gym membership with XXXX XXXX in XXXX, MS. Street address is XXXX XXXX XXXX. They refused to cancel over the phone, making it much harder for me to cancel than to sign up. They said it was required I come in person or mail in a letter stating my cancellation even though I responded that this was not legal. The FTCs click to cancel regulation protect consumers like myself from being put through extraneous hurdles to cancel a subscription. A business can not make it harder for someone to cancel a subscription than to sign up. In XXXX of 2024, this rule went into effect, which transpired well before I ever originally signed up or attempted to cancel with XXXX XXXX. Multiple phone calls were given with agents of crunch fitness informing them Id like my membership canceled. They refused and stated that it is not allowed. Since then I had to cancel a credit card that was on file with them as they continually attempted try to charge me for services not received. I also never received a notice of a balance due. They sent me a text link XXXX months later with a balance of {$280.00}. They have also threatened to negatively effect my credit, which is excellent to each bureaus scoring, if I do not pay this debt immediately. I think this company is acting in poor faith and making a bad look for themselves to not honor an attempt to cancel a subscription plan at their gym. They are clearly not acting in line with Federal regulations, as reference referenced above : click to cancel XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I received a voicemail from XXXX XXXX about a debt I owed from 3 years ago to Acima ( they didnt state what it was for or who they were just that they were calling about a case being filed against me and threatened to show up to my place of work ) they told me I would have to go to court. But first they called my husband and old landlord and scared them. The first time I called back they refused to tell me what the case was regarding and said I will find out when they serve me papers and then hung up on me. The second time I called over 5 times, finally got a response and the guy told me I need to set up a payment plan, but not with Acima, with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX I received a phone call from someone identifying herself as " XXXX XXXX '' at XXXX. Before calling me, she called my mother and disclosed information about an alleged debt. My mother then gave her my phone number. I did not authorize any third-party contact. XXXX XXXX claimed I owe approximately {$1500.00} on a payday loan originally from CashNet USA. The original loan was for {$700.00}. She said the company was " looking to pursue '' me. She asked me to acknowledge the debt. I told her I did not recall. When I called the number back at XXXXXXXX XXXX to request the company 's full legal name and mailing address, XXXX XXXX asked " why do you need the address? '' When I said I wanted to send a cease and desist letter, she said " you don't need to because we're not going to call you anymore '' and hung up on me. I then called CashNet USA directly. They confirmed the debt was charged off and sold to XXXX XXXX XXXX XXXX in XXXX, Florida, phone number XXXX. However, the phone number that called me ( XXXX ) does not match the number CashNet USA provided for XXXX XXXX XXXX XXXX ( XXXX ). I tried calling XXXX XXXX XXXX 's official number but no one answered. The phone number XXXX has no records when searched online. This debt does not appear on my credit report. I believe this may violate the Fair Debt Collection Practices Act, including : Unauthorized third-party disclosure to my mother ( 15 U.S.C. 1692c ( b ) ) Possible false or misleading representations about the amount owed ( 15 U.S.C. 1692e ) Refusal to identify the debt collector when asked I am sending written dispute and cease contact demands via certified mail to both CashNet USA and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation