vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Collection Notice Details Recently, I received a collection notice from a firm seeking to collect a {$980.00} balance. This notice arrived after XXXX XXXX had attempted to dispute the charge on my behalf. Concerns Regarding the Debt I have not received any procedures at the facilities in question that would justify this bill. Furthermore, even if such a procedure had occurred, my insurance coverage should have covered any treatment-related expenses. Ongoing Impact and Request for Assistance Despite these facts, the entity continues to report this debt to the credit bureaus, resulting in further harm to my credit score. Because of this ongoing situation, I am seeking assistance to prevent continued harassment over a debt that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: DC

Complaint narrative:
I bought a vehicle from XXXX XXXX XXXX in XXXX XXXX less than two months later its in the shop. the XXXX XXXX examines the vehicle and tells me that the seat is from XXXX the vehicle is a XXXX XXXXXXXX and that theres corrosion on the drivers seat which was why it didnt move at all. he stated that the vehicle was in a flood due to the messed up wiring. once i heard that i contacted the dealer who sold me the vehicle and they claimed to have not known anything. they shut down months prior and westlake has not been responsive after i submitted the documentation they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I had mental health issues and was sick. The next year, My husband lost his job and I was furloughed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: RI

Complaint narrative:
DeaXXXX XXXX XXXX XXXX Representative, I am submitting a formal complaint regarding Loan Account # XXXX with Affirm in the amount of {$250.00}. On XX/XX/year>, I purchased a pair of boots through XXXX using Affirm financing. The boots were returned to XXXX on XX/XX/year>, the following day. I no longer have the merchandise. Affirm confirmed the return and issued a credit on XX/XX/year> for {$240.00}, along with an adjustment of {$5.00}. I was then informed that a refund check for approximately $ XXXX had been cut on XX/XX/XXXX and mailed on XX/XX/year>. I was told that once the check arrived, I would need to return it to Affirm by XX/XX/year>. However, I have never received this check. Since the beginning of this issue, I have made numerous calls, approximately once per week, attempting to resolve the matter with Affirm. The most recent representative I spoke with was XXXX XXXX from customer service. I also have written documentation and correspondence from Affirm confirming the return and the claim that a refund check was mailed. Despite the returned merchandise and the missing check, Affirm continues to demand payment and threatens to report the account to the credit bureaus. I respectfully request that this account be corrected to show no balance due, that no negative credit reporting occur, and that the missing check be investigated. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: OR

Complaint narrative:
In XX/XX/XXXX, I realized that I had not been receiving reward points for utilities and cable of 5 % and groceries for 2 % from my U.S. bank cash card rewards. I contacted US Bank and told them when I selected the categories for 5 % and 2 % categories I got a message on the website saying it will take a couple of days to reflect on the account, so I believe that. But US bank is telling me I didn't select the category for second and third quarters for XXXX. And they will do it for the last quarter of XXXX and first quarter of XXXX. The utility categories weren't earning 5 % so called XXXX at US bank at XXXX and she said she will look into my case. I got a letter back which was an overview for the rewards earning of the account. Nothing about the findings of the utility charges that didn't earn 5 %. I am not the only person has this issue. My neighbors also have the same issue. Please look into this matter and if USBank doesn't honor the rewards then don't advertise it. I feel I'm being cheated. I could have put those purchase on another card for rewards.

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 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Health Management Services, Inc. d/b/a Corporate Legal Services LLC
State: LA

Complaint narrative:
On XX/XX/2026, I sent Corporate Legal Services a written debt validation request via certified mail under the Fair Debt Collection Practices Act ( FDCPA ). The letter requested verification of the alleged debt, including an itemized statement of charges, the original creditor, documentation showing I am legally obligated to pay the debt, and proof the agency has authority to collect it. The collection agency received my validation request on XX/XX/, 2026, as confirmed by the signed certified mail receipt. Despite receiving my dispute and request for validation, the collection agency sent another collection letter attempting to collect the debt without providing the requested validation. Under the FDCPA, collectors must cease collection activity until the debt has been validated. I believe the agency continued collection efforts without validating the debt and request that this matter be reviewed.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
J.P Morgan Chase Bank has had credit cards account in my name for 3 years I have paid it off in XXXX, they close the account but have the account under my credit report as a hard inquiries until XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I opened my Chime account on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Chime stating that after a recent review, my Chime Checking Account, Chime Savings Account, and secured Chime XXXX Credit Card account were closed effective immediately. The email stated that the account was closed because it allegedly did not comply with the member agreement, was not in good standing, or due to suspected unusual or potentially risky activity. However, no specific transaction, violation, or explanation was provided to justify this decision. This action occurred without prior warning or notice, and I was not given the opportunity to provide documentation, verify transactions, or resolve any potential issue before the account was closed. Additionally, the notice stated that direct deposits, ACH debits, and recurring debit card payments would be rejected, which could cause disruption to my finances. Most concerning, the notice indicated that I may not be eligible for a refund of any remaining account balance, but did not provide any clear explanation or legal justification for withholding funds. After receiving the email on XX/XX/XXXX, I reviewed the message and was instructed to contact Chime Member Services at ( XXXX ) XXXX or through the Chime app if I had questions. However, the notice itself does not explain the specific reason for the closure. I believe this action was taken without sufficient explanation or transparency, and it has caused financial concern and disruption.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 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: Sparrow Financial, Inc.
State: NJ

Complaint narrative:
On XXXX my sparrow credit card compromised. I recieved a call from sparrow asking if had used my card at a XXXX XXXX, i told them no. they deactivated my card and issued a new one. when going over the transaction i advise i did not make the purchase including a payment of {$690.00}. I made a dispute and now they are saying I am responable for the charges and refuse to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX Original creditor : XXXX XXXX - XXXX FTC REPORT : XXXX IDENTITY Theft 15 U.S.C. 1681c-2 ( a )

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 2026-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
On XX/XX/year> I used the Capital One mobile app to deposit two checks : one for {$78.00} and one for {$580.00}, totaling approximately {$660.00}. These posted that day as Check Deposit ( Mobile ) but the app showed an extended hold of over a week before funds would be available/cleared. Needing immediate cash ( rent pressure ), I called Capital One customer service the same day ( XX/XX/year> ) to request cancellation/voiding of the mobile deposits so I could cash the physical checks in person at a check-cashing location. The representative guaranteed they would void/cancel the mobile deposits and assured me there would be no issues if I cashed them elsewhere that day. Relying on this, I did so. About a month later ( late XXXX early XX/XX/year> ), the amounts ( ~ {$660.00} ) were reversed due to duplicate presentment, causing a negative balance and severe hardship ( near-late rent, stress/XXXX, potential declined transactions while job hunting ). I called back today XX/XX/XXXX and spoke to a supervisor, who suggested this could be fraud on my part. I reminded her twice that the original XX/XX/XXXX call is recorded, where the agent guaranteed cancellation with no issues. This accusation added significant extra stress and XXXX, as it felt unfair given I followed Capital Ones advice. Capital One is investigating the original call recording, but the week+ wait prolongs hardship. The reps guarantee was inaccurate per Capital Ones policies ( mobile deposits cant be canceled once accepted ), directly causing the reversal and negative. The supervisors fraud comment worsened the emotional/financial strain. Capital One Case Id # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
This company is trying to collect a debt that I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am disputing a debt being collected by Transworld Systems Inc. related to alleged toll violations from XXXX XXXX XXXX XXXX. XXXX confirmed in writing that I was enrolled in a XXXX XXXX XXXX on XX/XX/year>. Despite this arrangement, the account was transferred to collections. I requested validation of the debt, including an itemized list of tolls, penalties, and proof linking the violations to my vehicle. This information has not been provided, and the balance appears to include excessive administrative penalties rather than the original toll amounts. I am requesting review to ensure the debt is accurate and properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
third complaint same issue I got paid on the XXXX on the XXXX no funds in my account from my payroll.

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 2026-03-10 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: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Wells Fargo Home Mortgage exported money from me in XXXX I lost my property despite multiple loan modification applications submitted via Mail Boxes, etc. I sent them thousands in extra money to " modify '' my mortgage so me and my XXXX children still had a home. I delayed them by starting bankruptcy proceedings while I tried working with them to no avail. I was Newly XXXX R.N., Newly a XXXX parent household and they foreclosed selling the property to my sister directly. I even wrote the check for my sister 's Contract For Deed fees to initiate. Her name is XXXX XXXX. I lost my home, and so did my children. We had been living on that property since XXXX. My deceased son was not even a year old then. We are an XXXX XXXX of over 4 years. My son died alone, away from home of a XXXX XXXX XXXX on XX/XX/XXXX. I have suffered many tragedies and Wells Fargo took advantage of me and my family. Stole thousands from my extra payouts I wired them, laughing the whole time. I want XXXX I am almost XXXX now. This abuse from Student XXXX Servicers and Mortgage Companies that are more Predatory than an XXXX Lion altered my life negatively and impacted my kids negatively also. We didn't get ebt, etc. I never even got child support. I should have been XXXX to receive compensation for the abuse and neglect we endured. Student Loans via XXXX did this too Me also. That is how I found out about Wells Fargo and the money they got underhanded from a XXXX XXXX XXXX parent. I lost my home and dignity because of them. I want my claim, and as I stated the documents were all fixed to them. I asked for a copy of my accounts sent to me today. I hope I finally get some justice for the atrocities we endured from Predator Lenders and so much loss. XXXX XXXX XXXX Little XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX The foreclosed property is in XXXX XXXX Montana. XXXX XXXX XXXX XXXX XXXX, MT 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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
I was looking online to buy a spell I messageed with a reader he told me he could do it had me send him funds then I found out his entire profile was fake he never casted anything I begged for the money back but he wouldnt give it back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: CT

Complaint narrative:
Zwicker & Associates, P.C. is trying to collect a debt from me, however after further investigation, I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NVR INC.
State: FL

Complaint narrative:
The lenders failure to provide a Conventional scenario for over XXXX months ( XXXX ) deprived me of the ability to compare financing options during a period when market rates were favorable. This obstruction forced me into an FHA product that carries an unnecessary upfront insurance premium, causing direct, quantifiable financial injury of at least {$7600.00} in added loan balance costs, as well as higher monthly premiums. As NVR Mortgage is a subsidiary of the homebuilder ( XXXX XXXX ), the persistent failure to provide requested financing alternatives suggests an internal practice of 'steering " borrowers toward builder-preferred loan products to prioritize builder profitability over the borrowers best financial interest Predatory Fee Structure : The lender has repeatedly attempted to charge " junk fees '' ( {$4600.00} Lock Fee and {$1800.00} Application Fee ) that were not disclosed in accordance with standard lending practices. Unauthorized Points : The lender attempted to charge over {$8000.00} in discount points for a rate that was explicitly agreed upon as a " par rate '' during a meeting with management. Intentional Non-Disclosure : The lender explicitly admitted in writing that they are creating an " official '' Loan Estimate that purposefully omits known costs, which is a direct violation of the TILA-RESPA Integrated Disclosure ( TRID ) Rule requiring good-faith estimates. Deceptive Practices : The lenders attempt to characterize these unauthorized charges as " agreed upon '' by my spousewhen I was present during the entire negotiation and never agreed to such termsis a blatant misrepresentation of fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I was a victim of a sophisticated phishing scam while trying to sell an item on XXXX. A scammer posing as a buyer led me to a fraudulent " verification '' site where they gained unauthorized access to my PayPal account in real-time. Under this unauthorized access, the scammer set up a " Billing Agreement '' and initiated XXXX XXXX transfers to XXXX ( a cryptocurrency platform I have never used ) totaling {$1500.00} ( {$900.00} and {$600.00} ). The current status of these transactions is as follows : {$600.00} Transaction : This was initially processed by my bank. However, my XXXX XXXX XXXX has since reversed this transaction after recognizing it as an unauthorized transfer under Regulation XXXX. {$900.00} Transaction : This transfer did not go through as it was rejected by my bank. However, PayPal has charged this back to my account, and it is now showing as a negative balance of {$900.00} on my PayPal dashboard. PayPal 's handling of this fraud has been unacceptable : Acknowledged but Ignored : PayPal recognized the suspicious activity and canceled the billing agreement. However, they are still holding me liable for the transactions initiated under that very same fraudulent agreement. Automated Rejection : I filed a dispute for " Unauthorized Transaction, '' but PayPal 's automated system closed the case within seconds. They claimed the transaction is " not protected, '' likely because it involves crypto ( XXXX ). Regulation XXXX Violation : As a consumer, I am protected under Federal Regulation XXXX against unauthorized electronic fund transfers. PayPal is failing its legal obligation to conduct a good-faith investigation into an Account Takeover. My bank XXXX XXXX XXXX XXXX XXXX has already recognized the fraud and reversed the {$600.00} debit under XXXX XXXX However, PayPal XXXX now showing a negative balance of {$900.00} on my account and refuses to perform a manual human review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
After I used my card and having been using my debit card without issue from my FNBO checking account. Randomly with no warning on XX/XX/year> FNBO freezes my entire account so I can not access any of my money or make any transactions. This has already happened before just a few months ago and I filed a complaint in XXXX XX/XX/year>. FNBO randomly freezing my account with no prior warning is completely unacceptable especially now this is the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: GA

Complaint narrative:
I am writing to request full discharge of my student loans due to Mohela misleading and unlawful practices. This formal request for discharge of all my student loans held by Mohela is due to the company 's misrepresentation, deceptive practices, and failure to provide proper guidance regarding my loan repayment options. My current student loans began with XXXX XXXX, then were transferred to XXXX, and finally landed with Mohela a few years ago. Instead of Mohela presenting me with income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness, I was instead repeatedly encouraged to enter forbearance or deferment of my loans. This has resulted in my student loan balance ballooning in size due to capitalized interest. This manipulation has led to years of financial strain and has significantly impacted my ability to meet my financial obligations. This misinformation provided by Mohela representatives has caused my pursuit of more favorable repayment options to be delayed and contributed to an overwhelming amount of accrued debt that is much more than what I originally borrowed. Mohela has been sued by many states and the CFPB for these very tactics and widespread fraudulent behavior. Through Mohela 's conduct, I have received significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and fair guidance. As a borrower who believed I was receiving advice that was in my best interest, I entrusted them to manage my student loans to full forgiveness.

Company response to consumer: Untimely response