vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 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: IN

Complaint narrative:
XX/XX/XXXX - Received initial letter of an attempt to collect debt from Midland Credit Management , LLC XX/XX/XXXX - Request for validation of debt letter received by Midland Credit Management , LLC ( confirmed delivery receipt ) XX/XX/XXXX - Reply from Midland Credit Management , LLC received - did not validate debt as requested XX/XX/XXXX - Second request for validation of debt letter received by Midland Credit Management , LLC ( confirmed delivery receipt ) XX/XX/XXXX - Reply from Midland Credit Management , LLC received- same response - did not validate debt as requested XX/XX/XXXX - Third request for validation of debt letter received by Midland Credit , LLC ( confirmed delivery receipt ) No response from Midland Credit Management , LLC to validate debt as requested since XX/XX/XXXX. It has been 54 days of no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
I initiated the fund transfer of {$4100.00} from my XXXX XXXX account ( XXXX XXXX XXXX ) to XXXX ( NRE account - icicibank ) through Abound on XXXX XXXX. Abound reference number # XXXX I keep asking for the updates from Abound but I never received any satisfactory response from them. The below email, I sent today ( XXXX XXXX ), but not received any update from them on timeline. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hi Team, This is my 21st follow-up regarding my funds, and I am yet to receive a clear resolution. I require clarification on the following points : 1. Can you explain what is meant by delay from banking partner due to temporary processing and compliance issues? o What specifically is causing this delay? o Why has it not been resolved so far? o What actions are being taken to address it? 2. It is concerning that no SLA or ETA has been provided for a high-priority issue like this. o When can I expect my funds to be credited? o Please provide a definite timeline. o Additionally, I would like to be connected with senior leadership ( CEO/CTO or equivalent ) to discuss this matter if it can not be resolved promptly. 3. There has been no communication on compensation for the delay or accountability for the prolonged issue. o How does your organization intend to maintain customer trust under these circumstances? I request a clear, outcome-based response addressing all the above points, rather than generic customer care replies. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - It is more than 20 days now my fund is getting stuck now

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX bill past due six years for {$490.00}. Credence Resource Management calls me everyday twice day with different numbers and area codes. Asked them back in XXXX to send me the bill in the mail. Havent seen no mail or email about the collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On or about XX/XX/2026, I was flying from XXXX South Carolina to XXXX XXXX. According to XXXX XXXX, ALL of my luggage was overweigh and I was charged a {$200.00} fee for each luggage that totaled {$800.00}. When I reached my destination, I reviewed the pictures I took of my luggage and I filed a dispute with Wells Fargo Bank. The pictures I took shows that one is clearly under the 50 pound limit and it weighed 35 pounds. Wells Fargo Bank did not investigate my dispute because the pictyre does not lie. Im not saying that All of m th luggage was under the weight limit ; but at least one of them was. It seems like im fighting XXXX XXXX snd Wells Fargo Bank because they DID NOT investigate my dispute. The XXXX XXXX representatives saw me taking pictures and moved my luggage so it could not take a picture of the weight of each luggage except one.

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 2026-05-13 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I was having problems with getting credit for items returned. This Home Depot CITI Bank card allows returns for a refund up to a year. On XX/XX/XXXX I spoke with a Home Depot CITI Bank agent. I gave him all my returns, amounts, dates, and receipt numbers. We went over and over the numbers. Each time him saying no. I came up with {$1000.00}, and he said " that's it ''. I immediately submitted a payment from my XXXX XXXX XXXX checking account. He sent me and email showing the payment that is also acknowledged on the statement. I stopped auto pay and clean sed the account. Then I get a notification that I owe Home Depot CITI Bank {$200.00}. I contacted Home Depot CITI Bank and ended up asking for a supervisor. I got XXXX in Tennessee. She said the agents calculations were wrong and that I owed {$200.00}. Apparently these people can't do basic elementary school math! I have redone the math again! I may be XXXX XXXX XXXX but I know how to do math and I know a thief and liar when the number add up with the proof and truth that they apparently can't see or refuse to see! The balance {$1200.00} - {$590.00} ( returns ) = {$630.00}! The payment of {$1000.00} + {$17.00} ( credit ) = {$1000.00}! That {$1000.00} - {$630.00} ( the true balance ) = {$390.00} OVERPAYMENT! I want that {$390.00} OVERPAYMENT put back into my XXXX XXXX XXXX checking account immediately!

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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding merchant pricing transparency concerns involving XXXX XXXX. My business processed card transactions through XXXX XXXX for many years. Beginning in XX/XX/XXXX, XXXX XXXX significantly increased the pricing applied to my merchant account and continued raising those fees over time. According to XXXX XXXX written correspondence, pricing increased from : XXXX percent plus XXXX per transaction prior to XX/XX/XXXX to : XXXX percent plus XXXX beginning XX/XX/XXXX and later to : XXXX percent plus XXXX beginning XX/XX/XXXX. As a result, my total effective processing cost increased from approximately XXXX percent to approximately XXXX percent within approximately XXXX months. Most importantly, XXXX XXXX stated in writing on XX/XX/XXXX : As far as why your rates were raised to what they were, there is no clear answer to that. XXXX XXXX also confirmed that approximately {$20000.00} of my total XX/XX/XXXX fees of {$24000.00} were XXXX XXXX processor fees rather than interchange or pass-through card network fees. My concern is the inability to explain a roughly XXXX XXXX increase in processor fees within approximately XXXX months and the lack of meaningful pricing transparency regarding those increases in merchant statements. Despite multiple requests, XXXX XXXX refused to provide a meaningful reconciliation of fees or any financial adjustment related to these increases. Attachments : XX/XX/XXXX merchant statement XX/XX/XXXX written correspondence from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Despite refusing payment and treating the debt as cancelled for tax purposes, Citi continues reporting the account in a manner that appears inaccurate and misleading. The account continues to reflect derogatory status and ongoing delinquency reporting despite Citi simultaneously claiming the debt was cancelled and is no longer payable. They are also still reporting a balance on the account AND I am still receiving collection calls from third parties. This creates a situation where : I am unable to cure or resolve the delinquency because Citi refuses payment. Citi continues furnishing damaging credit information tied to an account they claim was cancelled. The reporting creates the appearance of an active unresolved obligation while Citi simultaneously asserts the debt was discharged through a XXXX process. I am requesting that Citi : Primarily, allow me to pay the debt, in full, which I am prepared to do immediately. Correct any inaccurate or misleading reporting associated with this account. Update the account to accurately reflect the true status of the obligation, including correcting any ongoing past-due or delinquency reporting that no longer reflects a payable debt. Cease furnishing inconsistent information to the credit bureaus. This issue is materially affecting my ability to secure housing and obtain fair access to credit despite my efforts to responsibly resolve the account. I respectfully request a full investigation into Citis reporting practices regarding this account and appropriate correction of any inaccurate information being furnished to the consumer reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I filed XXXX XXXX XXXX in the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX, Case No. XXXX. My bankruptcy case was filed on XX/XX/XXXX, and my discharge was entered on XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Southwest Recovery Services were both listed in my bankruptcy schedules as creditors/parties to be notified. The account being collected by Southwest Recovery Services matches the account listed in my bankruptcy paperwork. Despite the bankruptcy discharge, Southwest Recovery Services continued sending repeated collection emails attempting to collect the discharged debt. The emails identified XXXX XXXX XXXX XXXXXXXX XXXX XXXX as the original creditor and stated a balance due of {$2600.00}. I received repeated collection emails after my discharge, including but not limited to : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX On XX/XX/XXXX, I sent written notice to the company informing them that the debt had been discharged in bankruptcy and that continued collection attempts violated the bankruptcy discharge injunction under 11 U.S.C. 524. I requested that they cease all collection activity and update their records accordingly. Despite receiving notice, the company continued sending additional collection emails afterward. These continued collection attempts caused ongoing stress and confusion because the debt had already been discharged by federal bankruptcy order. I believe the company failed to properly update its records and continued attempting to collect a debt that was no longer legally enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MN XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : Account Number : XXXX FORMAL DISPUTE AND DEMAND FOR VALIDATION To Whom It May Concern, This letter serves as a formal dispute of the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand full validation of this claim. To legally validate this debt, you are required to provide the following documentation : 1. The Original Application : A certified copy of the initial application used to establish this alleged debt, bearing my original signature. 2. The Original Contract : A complete, executed copy of the underlying contract or security agreement governing this account. 3. Complete Accounting Ledger : A comprehensive, itemized statement of the account ledger from its inception. This ledger must explicitly detail the receipt of the down payment in the amount of {$18000.00} and provide the specific accounting records showing how those funds were obtained and allocated. Failure to validate this debt within the thirty ( 30 ) day period as prescribed by law is a direct violation of the FDCPA. In the event you are unable to provide such validation, you are hereby commanded to : Immediately cease and desist all collection activity and terminate all reporting to any and all credit reporting agencies, Release any title, lien, or security interest held against any property associated with this account ; Return the full down payment in the amount of {$18000.00} to the sender within thirty ( 30 ) days. Failure to respond with the requested validation within the statutory timeframe will be deemed an admission that the debt is invalid and that your claims are without legal merit. I reserve the right to pursue all available legal remedies, including reporting these violations to the Consumer Financial Protection Bureau ( CFPB ) and filing suit for statutory damages. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Formal Dispute and Demand for Validation To Whom It May Concern : I am formally disputing the validity and accuracy of the above-referenced account that your company is reporting and/or attempting to collect. According to the information currently being reported, the account balance is listed as {$790.00}, the account age is reported as 0 years, 5 months, and the amount past due is listed as not reported. These inconsistencies raise serious concerns regarding the accuracy and completeness of the information being furnished. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you provide competent evidence that I have a legal obligation to pay this alleged debt. Please provide the following : 1. The name and address of the original creditor. 2. The original account number. 3. A complete accounting of the alleged balance, including interest, fees, and charges. 4. Copies of any signed agreement, application, or contract bearing my signature. 5. Documentation proving your legal authority to collect this debt. 6. The date of first delinquency and complete payment history. 7. Proof that the information being reported to the credit bureaus is accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Stellantis Financial Services US Corp.
State: MA

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX At the time of sale, I specifically inquired about GAP coverage and was explicitly told by your representative that GAP insurance was included in the loan. I relied on this representation in deciding to proceed with the transaction. The retail installment contract reflects that the GAP waiver box was selected, indicating that GAP coverage was elected as part of the transaction. However, following a total loss accident on XX/XX/XXXX, the financing institution has confirmed in writing that no GAP coverage exists on this loan. I am in possession of written documentation from the lender verifying this fact. This creates a clear and material discrepancy : - GAP coverage was represented as included- The contract reflects that GAP was selected - No GAP policy, provider, or coverage actually exists Despite being given the opportunity to clarify this matter, the dealership has failed to produce : - A GAP agreement or addendum - The name of any GAP provider - A policy or contract number - Proof that GAP coverage was ever funded or attached to the loan Instead, the dealership has relied on generic conditional language within the contract ( if this box is checked ), which does not constitute proof of actual coverage. Their continued representation that GAP exists, without the ability to produce any supporting documentation, constitutes a materially false and deceptive business practice under New York law, including but not limited to New York General Business Law 349.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I cured my mortgage with XXXX XXXX Repayment plan in XX/XX/XXXX, I contacted Chase Mortgage Executive Department reference to Loan XXXX Phone XXXX Extension XXXX Case XXXX. Chase is not honoring the terms of the Loan Modification to forgive the {$83000.00} for the terms of the Loan Modification. Background : Chase Representative in XXXX contacted me to apply for the Dodd-Franks Loan Modification Program , but I needed to be at least three months late. This was a scandalous attempt as I did what the service manager instructed me to do, but when the trail payment was above {$1900.00} a month for one year with a estimated {$20000.00}, I decline on the offer. Chase decided to submit Foreclosure proceeding on my property XXXX XXXX XXXX XXXX, GA. I went into XXXX XXXX repayment plan and " Cured '' the debt. Request the {$83000.00} to be eliminated from the mortgage as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I received a marketing email from Marcus Bank promoting a {$1500.00} cash bonus for opening an Online Savings Account, depositing {$100000.00}, and maintaining the balance for 90 days. On the same day, I clicked the promotional link in the email and completed the account opening process through that link. On XX/XX/year>, the {$100000.00} deposit arrived in the newly opened account. For the following 90 days, I maintained the required balance without withdrawing or moving funds. On XX/XX/year>, I contacted Marcus Bank by phone to ask about the status of the bonus. I was then informed that the promotion had allegedly not been activated on my account and that I was therefore not eligible for the bonus. The representative stated that I did not receive a confirmation email for the promotion. I explained that I followed all instructions provided in the marketing email and completed the required actions through the promotional flow. During the account opening process, the website continuously displayed the promotional messaging guiding me through the steps. At no point was I informed that receiving a separate confirmation email was required in order for the promotion to be valid. My concerns are as follows : 1. If receiving a confirmation email was a mandatory condition for eligibility, that requirement was not clearly disclosed in the marketing email or during the account opening process. As a customer, I had no reason to believe the promotion had failed after I completed all required actions. 2. If I properly clicked the promotional link and completed the account opening and funding process, but the system failed to activate the promotion or send the confirmation email, that appears to be a technical or system issue on the banks side. I requested that Marcus investigate the backend records related to my promotional link click-through and account-opening flow, but they did not conduct a meaningful investigation. 3. I contacted Marcus Bank four separate times regarding this issue. Each time, representatives repeated the same conclusion without escalating the matter to their IT or technical teams for further review. User interactions such as promotional link clicks and account-opening actions should exist in backend logs and should be verifiable by the bank. Because I relied on this promotion in deciding where to place my funds, I lost the opportunity to earn comparable promotional income elsewhere during the 90-day holding period. I believe Marcus Bank should properly investigate this matter and honor the advertised promotion or otherwise provide appropriate remediation.

Company response to consumer: Closed with explanation