vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I had a carecredit account for dental work. I was set up on the interest free payments. I had a death in the family and was about XXXX  days late and they charged me the entire amounts interest. Even though I had paid ahead of time and more moneythan required. Well, I reluctantly went ahead and paid the remaining interest balance which was XXXX. Which was paid on XX/XX/year>. This was paid XXXX days before the payment was due. I then received a bill saying I owed XXXX on XX/XX/year> for interest due that posted to my account XXXX  days after they gave me the amount to pay it off. Now when i ask for a payoff they refused to give me one and keep charging me monthly for something that was paid for XXXX fold. I am not happy about them XXXX  me the interest. They would not even begin to hear me when I spoke with them on that. Now I can not get a payoff and I have already paid it.

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 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valor Intelligent Processing, LLC
State: SC

Complaint narrative:
I am filing this complaint regarding improper and potentially unlawful third-party collection activity related to my XXXX XXXX XXXX XXXX account. 

I am actively making payments directly to XXXX XXXX, XXXX. Despite this, XXXX has placed my account with multiple third-party collection agencies simultaneously, specifically XXXX XXXX XXXX and Valor Intelligent Process. 

Both agencies are attempting to collect on the same alleged debt at the same time. 

This duplicate placement creates : Consumer confusion Risk of duplicate or inaccurate credit reporting Harassing and unnecessary collection contact Potential violations of the Fair Debt Collection Practices Act ( FDCPA ) Potential violations of the Fair Credit Reporting Act ( FCRA ) There is no legal or contractual justification for multiple third-party XXXX to pursue the same account concurrently while I am paying XXXX directly XXXX 

I have sent cease-and-desist and dispute notices to the collection agencies and have formally demanded XXXX recall the account from third-party placement. 

I am requesting that the CFPB require XXXX to : Immediately recall the account from all third-party collection agencies. 

Confirm in writing that no adverse or duplicate credit reporting has occurred. 

Provide a full accounting of the alleged balance and payment history. 

Confirm that no further third-party collection activity will occur while I am paying XXXX directly XXXX 

I am seeking immediate regulatory intervention to prevent further improper collection activity and potential credit harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Midland Credit Management is attempting to collect XXXX alleged debts XXXX XXXX XXXX Account XXXX XXXX XXXX, and XXXX  XXXX XXXX  Account XXXX XXXX ) without providing proper validation under 15 U.S.C. 1692g. 
Privacy Violation : XXXX XXXX XXXX  sold my personal information ( name, address, Social Security number, account details ) to XXXX without my explicit consent. I never authorized XXXX XXXX to transfer my sensitive data to XXXX debt collectors. This unauthorized disclosure violates my privacy rights and potentially constitutes identity theft under 18 U.S.C. 1028. 
XXXX 's only " proof '' is a " Notice of Sale '' showing they purchased the debt. This is NOT validation. I have no contractual relationship with XXXX. The sale of debt between third parties does not create an obligation on my part, nor does it authorize the unauthorized transfer of my personal information. 
XXXX has failed to provide : Original signed contract showing I owe the debt Complete chain of title with authenticated assignments Itemized accounting proving the amount is correct Proof they are licensed to collect in my state Proof I authorized release of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am requesting validation of this debt and verification that KIKOFF LENDING LLC has the legal right to collect and report this account. 

If you can not provide proper validation, I request immediate deletion of this account from my credit report in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
For the last XXXX  years every time my property taxes changes I go XXXX  this with XXXX XXXX XXXX XXXX for my mortgage. They so not send me any adjustment payment notices, I have to call and get the revised amount, but they cant seem to get that clearly on the phone either. Because they do not take a partial payment which is a difference of less than {$15.00}, I go XXXX  this for months. I have asked them XXXX times since XX/XX/XXXX to stop calling me and verify in writing what my payment was, and what it would take to not have my property taxes and insurance in my monthly payment, they have not done this. They just keep calling. On XX/XX/XXXX I sent them a cease and desist to put their response in writing. 

Below is a record of my requests and conversations from/to to them. 

XXXX ) on XX/XX/XXXX, XXXX said my mortgage payment changed to {$1500.00} ( from {$1500.00} ) and I needed to send an emergency check for {$9.00} for the difference, which I sent. 

XXXX ) XX/XX/XXXX payment was made for due date of XXXX {$1500.00} ( new monthly payment per XXXX XXXX XX/XX/XXXX ). 

XXXX ) The payment of XXXX was rejected because per rep XXXX on XX/XX/XXXX, the payment from XXXX was incorrect and I had to send them a check for {$0.00} which I did. I to, d them XXXX should be paying for this difference since he cant do math. 

XXXX ) I want it in writing confirming my mortgage payment XXXX  at least XXXX is now {$1500.00}, per XXXX on XX/XX/XXXX, because I have no trust this is correct. They have not sent this after asking XXXX times in writing. 

XXXX ) I also want to know what it would take for me to pay my property taxes and insurance direct and you just charge me principal and interest so I dont have dont deal with this every year! 

XXXX ) I want the funds in the savings account with them of {$1500.00} returned to me since they seem to be of no use for a mortgage payment. 

XXXX ) they now say : Your payment of {$1500.00} is XXXX  days past due Here is an audit of my last 5 months of payment Checks delivered to them : XX/XX/XXXX for payment due XXXX = {$1500.00} XX/XX/XXXX for payment due XXXX {$1500.00} XX/XX/XXXX for payment due XXXX {$1500.00} XX/XX/XXXX for payment due XXXX {$1500.00} XXXX of {$9.00} because of property tax increase ( per XXXX ) XX/XX/XXXX for payment due XXXX {$1500.00} ( new monthly payment per XXXX ). 
XXXX for XXXX XXXX XXXX  ( more than the cost of the stamp )! ( XXXX XXXX on XX/XX/XXXX, because XXXX cant do math )

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 2026-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
XXXX XXXX I have sent this company a dispute letter, but still have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Legal Complaint and Request for MediationI have led several formal complaints requesting mediation regarding my mortgage account with Wells Fargo Bank. I believe that Wells Fargo overcharged my account for mortgage insurance and property taxes over an extended period.Specically, I am requesting mediation and a full, detailed accounting of all charges related to my mortgage insurance and property taxes for the period from XXXX through XXXX. Despite prior requests, I have not received a complete and transparent explanation of how these charges were calculated or why the amounts assessed appear excessive and inconsistent.I am seeking : A detailed breakdown of all mortgage insurance and tax charges applied to my account between XXXX and XXXX ; Documentation supporting the accuracy and justication of each charge ; A review to determine whether overbilling occurred and, if so, appropriate corrections and refunds ; Formal mediation to resolve this matter in a fair and timely manner.This complaint is submitted in good faith with the expectation of transparency, accountability, and resolution. I respectfully request prompt attention to this matter and written conrmation of receipt of this complaint

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 2026-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I am disputing a loan issued by Affirm for a merchant that failed to deliver any goods and provided fraudulent tracking information from a fake tracking website originating overseas. 
When I contacted Affirm to dispute the charge, representatives refused to : Open a dispute including the fraud details I provided Accurately document my claim of non-delivery and fraudulent tracking Pause payments pending investigation Provide a written dispute contact channel The dispute summary recorded by Affirm did not reflect the fraud information I provided, despite repeated requests to include that information. 
I was transferred between multiple representatives for over an hour before the call was disconnected.

Affirm stated they'd continue attempting to collect payment on a loan tied to a merchant that appears fraudulent and delivered no goods. This was until I pressed further that should be on hold.

I am requesting : Immediate suspension of payment obligations pending investigation.

A written record of my full dispute as submitted not as rhey falsely recorded, audio recording of the call.

Confirmation that this account will not be reported negatively to credit bureaus during investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Cedars Business Services, LLC
State: MI

Complaint narrative:
The loan was paid to XXXX years ago and unaware to me it was reverted back to my account. A phone call was made to XXXX XXXX XXXX and was told they would look into it and I was never contacted. The dates are unknown, the amount is questionable as this loan was over a decade ago. Further, I've never made any agreements with this CEDARS company trying to retrieve this loan payment. I dispute any fees added and hadn't spoken with anyone since this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
This account is being reported in a manner that I believe to be inaccurate and/or incomplete. Under the FCRA, all information furnished to consumer reporting agencies must be 100 % accurate and verifiable. If the furnisher or credit reporting agency can not provide proper verification of this account, including proof of my contractual obligation and documentation supporting the balance claimed, the account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/year> I filed a complaint with the CFPB ( XXXX. I received a reply back from Wells Fargo on XX/XX/XXXX that same year refusing to return the wire back to me although the transaction was identified as fraudulent. The issue I have is that Wells Fargo claimed that their Fraud Claim Dept. was unable to obtain debit authority from the beneficiary although I've provided them with two written confirmations from the beneficiary asking me to cancel the wire and return it. These findings were at odds with the information previously provided by Wells Fargo, because every correspondence, both written and verbal I got from them contradicted each other. 
Attached please find full correspondence of 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 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against Comenity Capital Bank regarding inaccurate billing, improper account adjustments, and failure to properly investigate disputed charges. 

On my XX/XX/2025 statement, my account reflected a credit balance of - {$3500.00} and clearly stated Do Not Pay. This credit was issued following a refund related to airline tickets purchased through ASAP Tickets. 

However, in XX/XX/2025, Comenity Capital Bank reversed course and posted new charges totaling {$7700.00}, which appear to reintroduce the same previously refunded transactions. This resulted in a new balance of {$4500.00}, which I dispute entirely. 

I did not authorize any new charges in XXXX. The charges appear to be a re-posting or duplication of previously refunded transactions, effectively allowing the merchant to retain funds while also re-billing me.

I contacted Comenity Capital Bank, and a supervisor admitted that they erroneously issued a refund of {$3500.00}, and now demand that I repay it. This is unacceptable. I relied on the accuracy of my billing statement, which clearly showed a valid credit balance and instructed that no payment was due. 

Additionally, Comenity failed to properly account for associated finance charges and is attempting to collect a non-refundable amount of {$1000.00}, despite the underlying dispute. 

I filed a dispute with XXXX. While XXXX  removed late payments, Comenity verified the account as accurate without providing any documentation to support the validity of these charges.

This constitutes : Failure to properly investigate disputed transactions Inaccurate credit reporting Rebilling of previously refunded charges Unjust enrichment and billing error under the Fair Credit Billing Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 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: Comerica
State: MI

Complaint narrative:
I receive social security into a XXXX XXXX card from Comerica I noticed two transactions from a auto mechanic place called RNR tire express. They took out {$150.00} twice in the same day without my permission authorization or knowledge. I stated I did not have any purchases or transactions with this business. I disputed the transactions three times since the initial debit occurred. They will not provide evidence or a legal binding contract for goods and services with my name because there is none. I am still disputing the amounts I would like my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
On XXXX XXXX I woke up to my cash app closing my account without my knowledge and they took my money when the robot got on chat they told me that my account was used for fraud when I used the account for my pay checks.....

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
This account is being reported in a manner that I believe to be inaccurate and/or incomplete. Under the FCRA, all information furnished to consumer reporting agencies must be 100 % accurate and verifiable. If the furnisher or credit reporting agency can not provide proper verification of this account, including proof of my contractual obligation and documentation supporting the balance claimed, the account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Santander Consumer USAXXXX handling of an insurance claim and lienholder obligations on my auto loan. 

On XX/XX/year>, I contacted Santander by phone to confirm whether they allow owner-retained salvage vehicles in the event of a total loss claim. During that recorded call, XXXX representative explicitly stated multiple times that if my insurance company issued a total loss settlement with owner retention, Santander would endorse the insurance check and forward the funds to me so that repairs could be completed, while the XXXX remained in place. 

Based on this information, I relied on XXXX representation and proceeded with my insurance company ( XXXX ) to select the owner-retained total loss option. XXXX independently confirmed with Santander on XX/XX/year> that owner retention was acceptable, and the insurance settlement check was issued accordingly. 

After the check was issued and processed, Santander reversed its position, stating that they do not permit owner-retained salvage vehicles and refusing to proceed as previously represented. Santander representatives have acknowledged that their prior representative failed to properly communicate XXXX internal policy to both me and my insurance company. 

Since then, Santander has : Changed its position multiple times Refused to provide written confirmation of its stance Required repeated phone calls without resolution Left an open dispute pending for over a week without management response I have been unable to proceed with vehicle repairs or properly resolve the loan because Santander will not honor the representations made on recorded calls, nor issue a clear written resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I, XXXX XXXX, contacted Bank of America to inquire and request enrollment in a credit card hardship or assistance program due to a legitimate financial hardship. Despite explaining my situation, I was repeatedly told I was ineligible solely because my account is currently in good standing. I was not given a meaningful review of my financial circumstances, nor was I offered any alternative internal assistance options. 

I have been out of work since XX/XX/XXXX, and my current XXXX income is approximately {$1300.00} per month after taxes. Because of this significant reduction in income, I reached out proactively to Bank of America to avoid falling behind on my credit card payments. During said call, I asked multiple times about hardship programs, lower payment options, and interestrate reductions. 

On XX/XX/XXXX, BOA representative XXXX XXXX, call reference XXXX XXXX XXXXXXXX at XXXX Eastern time, informed me that my only options were to either contact a thirdparty debt management company that Bank of America partners with, or allow my account to go delinquent so that hardship options would become available. 

This guidance directly contradicts the purpose of hardship programs and penalizes customers who are trying to stay current. Being told to intentionally let my account fall behind which would trigger fees, penalties, credit damage, and additional hardship defeats the entire purpose of my proactive outreach. 

At no point was I given a proper assessment of my hardship, clear eligibility criteria, or any internal alternatives. 

This appears to be a blanket policy that discourages responsible financial behavior and withholds assistance until a customer is already in crisis. 

Because of this experience and the banks practice of advising customers to intentionally default in order to access hardship options, I chose to close my Bank of America credit card and discontinue doing business with the bank. I believe this reflects a harmful and irresponsible business practice that puts consumers at unnecessary financial risk.

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 2026-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
I am filing this complaint regarding a vehicle purchase and financing transaction with XXXX XXXX XXXX XXXX that involved high-pressure sales tactics and unclear disclosure of loan terms and charges. 
I was pressured to complete the transaction quickly and was not given a meaningful opportunity to review or understand the financing documents before signing. Key pricing details and add-on products associated with the loan were not clearly explained, and the final terms differed from my reasonable understanding at the time of purchase. 
After later reviewing the paperwork, I discovered charges and obligations that were not transparently disclosed during the sales process. I attempted to resolve the issue directly with the dealership but did not receive a satisfactory response. 
I am requesting regulatory review of the dealerships sales and financing practices and appropriate correction of any improperly disclosed or unfair charges.

Company response to consumer: Closed with explanation