vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I used to go to XXXX XXXX on XXXX XXXX and I then called and canceled my membership but they did not cancel it and have continued to keep calling me and saying I needed to pay my membership even though I no longer work out there or even have gone in a couple months. I recently got a text from Aldous & Associates saying they were there to collect on past dues even though I canceled my membership. I also have contacted crunch to stop contacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
Dear CFPB, UCB Reference # : XXXX XXXX FL XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am writing to file a complaint regarding United Collection Bureau , Inc. in relation to a medical debt. I want to resolve this situation in good faith, but I have encountered serious issues with their collection process. Summary of the situation : I contacted the agency to discuss my medical debt, as I am unable to pay the full amount. ( {$2600.00} ) They offered me a discount and I agreed to it. ( {$1700.00} ) I asked if I could make a payment of {$1500.00}, as that was the amount I was able to gather the day after our call, but my request was not accepted. I am committed to resolving this matter and would greatly appreciate any flexibility or alternative options you can HELP ME TO GET. I requested a settlement letter confirming the agreed-upon discount for my protection. They claim it has already been sent, but I have never received it. Despite this, they insist I should pay under the discount terms. They state they can not resend the letter and that the issue is with my mail, which is not accurate, as I do receive other correspondence from the collection agency. When I tried to access my account using the reference number provided, the portal says no account exists with that number. I previously made a payment directly to the hospital on the day of my emergency, believing it would cover part of the debt, but I now understand the account has been transferred to United Collection Bureau , Inc . I am seeking assistance to resolve this issue fairly, including : Verification of the debt amount and the agreed settlement discount Provision of a written settlement agreement before any payment is made Guidance on ensuring my rights are protected while dealing with the collection agency I want to pay this debt in good faith but need proper documentation to ensure it is applied correctly and that my credit is protected. Thank you for your time and assistance. I appreciate your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank froze my account without my knowledge. On XX/XX/year>, I deposited over XXXX $ into a Citibank ATM, but the transaction wasn't recorded. When I inquired at the counter, they told me they could help me appeal to unfreeze my account. I agreed, and on XX/XX/XXXX, I went to the bank again. They told me the appeal was unsuccessful and the bank had closed my account. I immediately objected because my account balance was incorrect, but they didn't help me. I returned to the bank and explained the whole process, but each time they made excuses and told me to wait. They have staff fluent in XXXX, but they wouldn't talk to me and kept stalling. I'm making this statement in the hopes of receiving assistance. Thank you, I am very grateful.

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 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I have all legal court documents where I was served to go to court for this matter and I also have where this case was paid and supposed to be dismissed nothing still hasn't been done

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CA

Complaint narrative:
I am filing a complaint against Midland Credit Management regarding an alleged debt that is currently being reported and/or collected without proper validation. I previously disputed this account and requested documentation verifying that the account belongs to me and that Midland Credit Management has the legal authority to collect the debt. I requested validation including documentation showing the original creditor, a complete account history, an itemization of the balance, and proof that Midland Credit Management has the legal right to collect the debt. To date, I have not received sufficient documentation establishing that I owe this debt. Despite my dispute and request for validation, the account continues to be reported and/or collection activity has continued. Reporting or attempting to collect a debt without providing proper validation raises concerns under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting regulatory review of Midland Credit Managements collection and reporting practices related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I recently opened a Wells Fargo checking account at the XXXX branch in XXXX XXXX shortly after arriving from XXXX XXXX in XXXX XXXX. We do not typically use checks in XXXX XXXX, so I was not familiar with how the system works here. My account was closed after I deposited two checks from a fraudulent remote job scam. I genuinely believed the checks were legitimate, did not send any money to the scammers, and incurred no financial loss. I immediately reported the incident to the Federal Trade Commission, IC3, the police, and to XXXX. Today, the Wells Fargo branch called to confirm that the account will remain closed. When I asked about an appeal, he gave me a number to call. I was told the decision of the closed account is final. Unfortunately, they would not accept or review my supporting evidence, including emails from the scammer and related documentation showing I acted in good faith. I visited the XXXX branch last Friday to explain the situation in person and was told this type of issue has occurred with other customers as well and that their accounts were not abruptly closed as mine was. I respectfully request the opportunity to submit my evidence- including the emails I received from the fraudsters, my FTC report, IC3 submission and police documentation - so the decision can be reviewed fairly. I am concerned about the potential impact on my credit and future banking or employment opportunities. I would greatly appreciate any guidance or assistance you can provide 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 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a mortgage payment error involving the failure to properly transfer funds during a servicing transfer. On XX/XX/year>, I made a mortgage payment in the total amount of {$4000.00} to my prior loan servicer, Valon Mortgage , Inc., intended for my XX/XX/year> mortgage payment. The payment was successfully processed and accepted, with allocation as follows : Principal : {$1300.00} Interest : {$2000.00} Escrow : {$590.00} Fees : {$0.00} Total : {$4000.00} In XX/XX/year>, my loan servicing was transferred effective XX/XX/year>, to XXXX XXXX ( sub-servicing for XXXX XXXX XXXX ). Despite the payment being made prior to the transfer effective date, these funds have not been credited to my mortgage account. I have obtained and provided substantial documentation confirming that Valon Mortgage , Inc. received and processed the payment, including : Official bank statements showing the payment was sent and cleared Transaction history and payment confirmation from Valon Escrow documentation reflecting the payment Written confirmation from Valon acknowledging receipt of the funds Despite this, the payment has not been transferred or properly credited following the servicing transfer. I have made repeated attempts to resolve this issue, including multiple calls with both servicers, participation in three-way calls, and escalation to supervisors. To date, no resolution has been

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Validation of Debt Request - FIRSTPOINT COLL RESO ( Original Creditor : XXXX XXXX ) - XXXXXXXX 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 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding a loan modification decision provided by Rocket Mortgage on a conventional loan. The borrower experienced a significant reduction in household income following the death of the primary income earner and submitted a hardship application detailing the change in financial circumstances and inability to sustain high monthly payments. A three-month trial payment plan was completed with payments of approximately {$1200.00} per month. However, the final modification terms provided reflect a payment of approximately {$1200.00} over 69 months. This represents only a minimal extension of the original remaining loan term and does not provide a meaningful affordability-based solution. The trial payment appears to have been adopted as the final payment without a meaningful reassessment of affordability, despite the documented hardship and fixed income. Multiple attempts were made to obtain clarification and request an affordability-based review. During phone contacts on XX/XX/year>, representatives indicated that the terms were the only option available, and that the decision was not negotiable. No explanation was provided regarding how affordability was evaluated or whether longer-term options were considered. Additionally, updated information was in the process of being submitted when the decision was issued, suggesting that all relevant information may not have been fully evaluated prior to finalizing the modification. The borrower is seeking a sustainable long-term payment structure. The current proposed terms are not affordable and would likely result in re-default. I am requesting a formal re-evaluation of the loan modification with consideration of all available options designed to produce a sustainable payment, along with clarification of how the current terms were determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting this formal complaint regarding an account being reported under my name -Comenity Bank that I believe is inaccurate and improperly handled. I have already filed a dispute with XXXX concerning this account because I do not recognize an outstanding balance owed to Comenity Bank. After reviewing my records, I confirmed that the balance associated with this account was paid in full through the correct credit issuer, XXXX. Despite this, XXXX XXXX continues to report a balance and has contacted me requesting payment. When I attempted to resolve the matter by phone, representatives from XXXX XXXX repeatedly requested pressured me to make a payment. I declined to provide this information because : 1. I have already satisfied the balance with the proper creditor ( XXXX ). 2. The account reporting appears to be incorrect or duplicative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Duplicate debit transactions and improper overdraft fees by Fifth Third Bank I am filing a complaint against Fifth Third Bank regarding improper debit card transaction processing and overdraft fees on my checking account. The transactions in question occurred during the month of XX/XX/year>. My debit card transactions are being processed twice when used with the XXXX XXXX merchant. The bank deducts funds when the transaction is first authorized ( pending ), and then deducts the funds again when the transaction settles with the merchant. Instead of the pending transaction being replaced by the final posted transaction, both transactions are affecting my account balance. As a result, my account is being overdrawn. I do not have overdraft protection enabled on my account, and transactions are supposed to be declined if sufficient funds are not available. However, the bank is allowing these duplicate debit transactions to process and is charging overdraft fees. This issue is specific to debit card transactions with the XXXX XXXX merchant and is not occurring with ACH transactions. This appears to be a failure in proper debit transaction processing and funds availability handling, including how authorization holds are managed and released. Debit card authorization holds should not result in duplicate debits or cause overdrafts when sufficient funds were not available at the time of settlement. I am requesting the following : * A full investigation into duplicate debit transactions involving the XXXX XXXX merchant * Immediate correction of my account balance * Refund of all overdraft fees caused by these transactions * A written explanation of how authorization holds and settlement postings are being processed on my account * Assurance that this issue will not continue Additionally, I request that this matter be reviewed for compliance with applicable federal consumer protection regulations governing debit card transactions, error resolution, and overdraft practices. This situation has caused financial harm and reflects improper handling of transaction processing and available balance calculations. I have supporting documentation, including account statements and transaction records, showing duplicate debits and resulting overdraft fees. I request a prompt resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: NJ

Complaint narrative:
I AM XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY INVOLVED. I am filing this complaint against CREDIT CONTROL , LLC ( Reference # XXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act. This is the exact same {$320.00} XXXX debt ( account ending in XXXX, originally opened XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ) that was previously placed with XXXX XXXX XXXX in XX/XX/XXXX. I disputed that debt with a timely FDCPA validation request on XX/XX/XXXX ( certified mail ) and filed CFPB complaint # XXXX. XXXX validated the debt with one billing statement, ceased all collection activity, deleted any credit reporting, noted the account as disputed, and returned it to XXXX ( see attached XXXX letter dated XX/XX/XXXX and CFPB response ). XXXX then re-placed the identical debt with CREDIT CONTROL in early XXXX. On XX/XX/XXXX I sent CREDIT CONTROL a timely FDCPA validation request via certified mail ( XXXX tracking provided ) demanding proper verification and a full cease-and-desist until validation was provided. To date, CREDIT CONTROL has not provided any validation documents, has continued collection efforts ( emails ), and has not confirmed deletion of any negative reporting. CREDIT CONTROL is therefore violating : 15 U.S.C. 1692g ( b ) failure to cease collection and provide verification after a timely dispute. 15 U.S.C. 1692e using false or misleading representations by continuing collection after the debt was already validated and returned by the prior collector. 15 U.S.C. 1692f unfair practices.

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 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I am a victim of identity theft related to the XXXX and XXXX data breaches, and after reviewing my credit report, I have identified fraudulent items that do not belong to me. These inaccuracies are negatively affecting my ability to obtain credit and are causing defamation of my character. Under the Fair Credit Reporting Act ( FCRA ), including Sections 605B and 611, I request that all fraudulent accounts and inquiries be promptly investigated, blocked, and removed from my credit report within four ( 4 ) business days. Please inform me if any additional documentation is required to expedite this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I attempted to transfer money from my XXXX XXXX to my XXXX account which was successful almost {$700.00} I go to XXXX 's a couple of hours later and try to buy some XXXX XXXX XXXX was declined several times I contacted XXXX while I was still at XXXX 's they said for me to try again that there is nothing wrong with my account no holds no fraud nothing attempted to use my card again it was declined I contacted XXXX again they told me to uninstall the app reinstall it Wait a couple of hours and try again I tried and it was still declined this has been going on for almost 72 hours now that I've not had access to my funds they can't explain to me why my car keeps getting declined other than it's a security issue That's all the information that they can give me I've asked this week to someone higher up in customer service which they return the phone call and they can not explain to me why I keep getting declined as well I can't even transfer the money out of my account I've had to miss work I've not been able to eat because all my money is in the XXXX account no one can give me any further information other than let the security issue run its course that was 72 hours ago

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I booked a flight on XXXX XXXX through Chase Travel ( Chase Sapphire Preferred ). After booking, I discovered that changing my itinerary to extend a layover in XXXX would result in a {$440.00} fare difference credit, as shown in the XXXX XXXX app. I contacted XXXX XXXX, who confirmed : ( 1 ) the ticket is changeable, and ( 2 ) a {$440.00} fare difference credit would be issued for the itinerary change. XXXX directed me to process the change through Chase Travel, as Chase is the ticketing agent. When I contacted Chase Travel and requested they process the change and apply the {$440.00} credit, they refused. A Chase Travel supervisor told me this was an XXXX XXXX policy. I contacted XXXX again, who confirmed this is not their policy the {$440.00} credit exists and would flow to Chase as the ticketing agent. Chase is retaining the fare difference rather than passing it to me as the customer. Chase Travel 's refusal to process a confirmed fare difference credit and their misrepresentation that this is an airline policy when it is not is deceptive and unfair. I am requesting that Chase process the itinerary change and apply the {$440.00} fare difference credit to my account or booking.

Company response to consumer: Closed with non-monetary relief