vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : FINAL NOTICE FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account.

Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation.

Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title, including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information, if required by law in your jurisdiction.

A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to consumer reporting agencies is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair practices 15 U.S.C. 1692g Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within fifteen ( 15 ) calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and court costs.

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue civil litigation. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Hello. I am complaining about Westlake Financial and their lack of through line to human customer service assistance to fix my payment schedule. This company is purely deplorable. They hide behind a looping AI that literally refuses to transfer you to a live agent. The app is XXXX. You cant set up any payment plans your self. They even put the AI on their email replies. Where are the XXXX humans??! It would be different if the AI were intelligent to discern nuance, but it cant. Please investigate this company. They should be ashamed of how they treat customers. I wish to XXXX I never financed under them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Abbott Osborn Jacobs PLC
State: NE

Complaint narrative:
A Summons in this matter was issued on or about XX/XX/year> ; however, I was never served with the Summons or Petition despite the firms claim that service was completed. Upon investigation, the service attempt was returned as unsuccessful because the process server could not locate my address, even though the firm has my correct address on file, and no subsequent valid service was completed or properly documented. I never received a notice to cure, notice of default, or any meaningful pre-suit communication prior to the filing of this lawsuit. I first became aware of the lawsuit only after receiving unsolicited attorney advertisements and independently searching the Nebraska JUSTICE court case system. A review of the court docket shows no valid proof of service on file, or alternatively, any purported service was defective and did not comply with applicable Nebraska law. In addition, I submitted a timely written request for debt validation, but I did not receive validation. I have made multiple attempts to contact the firm by telephone and in writing, without receiving a response, and have been unable to reach a representative to discuss or resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CENTRAL BANCOMPANY, INC
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding XXXX XXXX, a mortgage lender employed by Central Bank in XXXX, North Carolina. 

I was introduced to XXXX XXXX on XX/XX/year>, through a real estate agent for the purpose of obtaining guidance toward purchasing a home. Instead of assisting with a mortgage loan or prequalification, XXXX XXXX advised me on credit repair and solicited a personal payment of {$250.00}, claiming he would improve my credit score by disputing items and paying balances down. 

I sent this payment on XX/XX/year>. XXXX XXXX stated we would begin the process immediately. He failed to follow through, did not provide any services, and ceased communication until I demanded a refund weeks later. No credit improvement occurred, no documentation was provided, and no legitimate financial service was rendered. 

XXXX XXXX misrepresented the status of my situation, claimed work had been done when none had occurred, and refused to refund my money. His conduct caused financial loss and contributed to the loss of a housing opportunity. 

I believe this conduct constitutes misrepresentation, unfair practices, and abuse of his position as a licensed mortgage professional. 

I am requesting CFPB review and appropriate action. Supporting documentation is available upon request. 

Sincerely, XXXX 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 monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
After my Mother died in XXXX I tried to close their PNC checking account. But it turns out PNC were charging monthly overdraft fees. We started to get Late notices in XXXX. 
We faxed all death certificates and the signers info, request to close the account and request for statement of what was owed, to XXXX in XX/XX/XXXX. 
No statement was received. The Late fee notices keep coming. 
I called again on XX/XX/XXXX and requested the statement so I could pay what it owed from the estate. They said they would sent it the following Monday but I have not yet received it. 

I called tPNC oday and waited XXXX hour and XXXX minutes to be told I need send - by email the all death certificates and the signers info, request to close the account and request for statement of what was owed. I can not email social security numbers. That is confidential information and should not be emailed. 
I called back. 
I need to do this to close the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI

Complaint narrative:
XXXX I opened a checking account with CIT Bank. I deposited {$100.00}. 

Next month I could not login to my account. Called their phone #, and CS said the account was locked and closed on their end. I asked about what happened to my {$100.00} balance, and they said they did not know. 

Waited a few weeks and heard nothing, so called back. This time they assured my the {$100.00} would be re-credited to the account that made the deposit, I just had to give it more time. 

Waited a few more weeks and still no {$100.00} credit back to my account. I do not have access to the account ( locked ) so it seems the bank simply took possession of my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Arcon Credit Solutions LLC
State: CT

Complaint narrative:
I have been in communication with ARCON XXXX  for a debt that I owed to XXXX XXXX XXXX XXXX via email correspondence. I have been very cooperative and made several efforts to negotiate a repayment plan that works for my budget on a charged off debt. The balance is {$12000.00} approx. I provided very invasive information such as my savings account balance, XXXX, salary, husbands salary and household expenses. After reviewing, the company says their client will not negotiate a monthly plan, and are requiring XXXX installments of roughly {$3800.00} each. They have multiple times threatened pre-legal actions which is what I am trying to prevent by working out an agreement. I have the email thread communication if needed. I am requesting legal consultations but I believe that their tactics are aggressive in nature, very invasive, and their repayment plan is unrealistic.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Goldman Sachs denied my XXXX XXXX XXXX dispute claiming merchandise was delivered but could not provide any carrier, tracking number, or proof of delivery. When I asked for it, the representative admitted it was 'in another department ' and could not be accessed. This violates Regulation Z and XXXX chargeback rules. I am requesting permanent credit of {$59.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX  has charged my card XXXX times but claim they dont have a copy of my card; nor any record of my card being used.My son rented a car, used my debit card to pay; asked do you want and email receipt; he said yes. He went to discuss the problem because my card-should have only been charged once; he continued to rent using his card not mine. My son took my card inside and XXXX  charged XXXX for the car. They continued to charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  says they dont have a record that my bank account shows.\nThe bank said they will not give me a temporary credit because it was not a reoccurring charge. So it leaves me broke; I cant buy food. It causes a hardship.not enough funds will in my account to pay my XXXX  my granddaughter cant go to class online. However, theyre investigating. I argue its recurring because they kept taking money. \nWhen I called XXXX  they wont let me talk to a managerwilling to discuss further a XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I got this text message on XXXX XX/XX/year> on Wednesday thinking i got a toll payment I usually dont ever fall for these scammers but somehow this one actually tricked me because I know Ive been on toll roads but never gotten anything in the mail before so I thought this is how XXXX XXXX since Ive never payed a toll fee before and I submitted my card and it didnt work!! So nothing was taking out my bank account so I thought that was weird so I asked my mom to use her card to pay it that also didnt work and I then got worried that Ill be in trouble with the government since the message say they will take legal action if I dont pay so I went on XXXX and tried to see if I owe any money, NOPE nothing no outstanding balance or nothing so than i asked my bf what do I do I dont want to get In trouble he told me its probably a scam and that ur supposed to be receiving a paper in the mail only and I didnt believe him and then it was the next day I check my account in the morning all my money there than XXXX hrs later all my money is wiped XXXX out from my checking account! AND not only that happened to me it also happened to my mom! Because I also use her card to try to pay And she uses XXXX this person definitely used a skimming device to use our card online And thats when I knew I got scammed and I quickly told my mom to lock her card and order her a new one, I also called the bank not even XXXX min later it happened and the only way I found out I got money taken out my bank account is I tried order some lashes on XXXX and my card declined I thought that was WEIRD since it never happened on XXXX and I check my account to see Im AT {$0.00} me and my mom both lost our money to these scams I am going to be filing a complaint with FTC AND CFPB not even that XXXX so paranoid that I definitely consider switching bank to a better security bank because I dont understand how my bank account was approved for a store Ive never been or shop at in my life before and will be forwarding that text message that the scammer sent me to the police! Ive never had this happen to me before and im extremely disappointed and Im the type of person who over thinks to much and XXXX scared they might take more money from my account in the future I want my back to have high security on my bank account so this doesnt happen again!!!

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 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request assistance regarding an ongoing issue with Freedom Mortgage related to improper lender-placed flood insurance and failure to act on verified insurance documentation. 

I have maintained continuous flood insurance coverage since XX/XX/XXXX through XXXX XXXX XXXX XXXX. Despite this, in early XXXX Freedom Mortgage requested that I verify my flood insurance coverage, even though coverage had been active and continuous since XXXX. 

Since receiving that request in XXXX, I have maintained consistent contact with Freedom Mortgage to resolve this issue. My insurance agent, XXXX XXXX, submitted all required and completed documentation to Freedom Mortgage to verify my existing coverage. Freedom Mortgage also reported that they had requested and received documents from XXXX XXXX XXXX. 

From XX/XX/XXXX through XX/XX/XXXX, I made numerous calls to both Freedom Mortgage and XXXX XXXX XXXX and participated in conference calls between the XXXX companies to ensure the matter was resolved. On multiple occasions, Freedom Mortgage representatives confirmed that the lender-placed flood insurance would be removed from my account. 

Despite these assurances, Freedom Mortgage failed to remove the lender-placed flood insurance through XXXX XXXX XXXX As a result, my mortgage payment increased from approximately {$1600.00} to {$1800.00}. 

Most recently, I contacted Freedom Mortgage and was given conflicting information. XXXX representative stated that the lender-placed insurance had been removed. When I inquired about reimbursement for the improperly charged premiums, I was transferred to another department, where a different representative stated that the lender-placed insurance was still active and that no documents had been received from my insurance agent. This directly contradicts prior confirmations and documentation submissions. 

I requested to speak with a supervisor or XXXX due to these inconsistencies and the prolonged failure to resolve 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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Sent a money transfer to XXXX XXXX and chase XXXX employee named XXXX form the XXXX XXXX XXXX branch told me it was safe and he uses XXXX  after the transaction was sent the money for taken out by someone XXXX XXXX dollars and chase bank will not refunds me or help get my money back Thankyou XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: TN

Complaint narrative:
I have use the cash app service and needed to change my information with them. They had me to continue to get new accounts and still can't access my account also they where hanging up on me, blocked me from receiving new cards to the accounts they had my to create. I was told to send in my Identification ( state id ) so they can verify my identity with my Social security card and home mail with the address that matches my Identification and a picture of me at the same time. They would review XXXX hours and get in touch with me. I'm still having they same problem with them today and has about XXXX accounts. The last person I spoke with yesterday was XXXX they sees my information on the accounts and they can't access nor get me XXXX any one else. This is XXXX years now where they have been holding my money stock and Bitcoins. I'm thinking this is against the Law of the company because I was in compliance with what they said I need to get to them to access my account ( XXXX ). Thank you for taking the time for me. Have a wonderful day!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Shepherd Outsourcing, LLC
State: HI

Complaint narrative:
I received a text alert about XXXX debt collections within days of a missed payment from XXXX. 

I received a second text today, so I called XXXX to resolve this - and they said the don't send debt collectors for 30 days, and debt collection information will come from them, XXXX directly. 

This company was Shepherd Outsourcing.

https : //www.shepherdoutsourcing.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NATCREADJ is falsely reporting on my credit. I have never had any accounts with them. Per my research NATCREADJ 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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have an issue because the low cash mode allowed for me to decide for it to be paid or returned. It states I had over an hour to get the funds into the account in which I did. I received an email stating my balance. Then later received another email that my balance was even more positive and that items were returned. They went against their obligation as a company and the total opposite of what they had stated. If I was allotted a certain amount of time to do something and then when I fulfill my end to then turn around and do the opposite is unacceptable. I have all the necessary screenshots and emails that specifies their obligation and mine. 


My correct number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: FL

Complaint narrative:
Violation of FCRA - 15 U.S.C 1681b and Related Sections

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Follow-Up Complaint : Experian Failure to Respond Within 30 Days Ongoing Credit Damage and Hardship To the Consumer Financial Protection Bureau , I am writing to submit a formal follow-up complaint regarding Experians failure to respond to my disputes within the required timeframe. 
On or about XX/XX/year>, I received written confirmation that Experian had received my dispute letters regarding XXXX separate accounts appearing on my credit report. To date, more than 30 days have passed, and I have not received any response, results of investigation, or corrections from Experian. They have failed to comply with federal law or communicate any outcome.can you please remove the following accounts.

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 2026-01-21 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 writing to formally demand that you immediately stop contacting me regarding the alleged debt you are attempting to collect. I dispute the validity of this debt, and I do not authorize any further calls, letters, emails, or other communication from your company.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, you are legally obligated to comply. Continuing to contact me or report this alleged debt after this notice would be considered a willful violation of federal law.

Company response to consumer: Closed with explanation