vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am disputing an alleged debt that National Credit Systems ( NCS ) is attempting to collect on behalf of AMC Management. The debt they are attempting to collect stems from an eviction case filed against me for nonpayment of rent : XXXX XXXX XXXX XXXX dba Canebreak Apartments vs. XXXX XXXX, Case No. XXXX, heard in XXXX XXXX XXXX. 

The case was fully adjudicated. The XXXX XXXX shows the case status as Disposed, with a XXXX of {$0.00} entered on XX/XX/year>. This judgment reflects the courts final ruling on the rent claim. I vacated the property by the agreedupon date, and no writ of ejectment was issued. The clerk of court confirmed that no settlement letter exists because no payment agreement was made ; the landlord waived the rent claim in exchange for possession. There was no secondary hearing, no civil damages case, and no additional judgment. We were out by XX/XX/year> per request, our move-out date was XX/XX/year>. 

Despite this, NCS is attempting to collect a balance that does not legally exist. During my phone conversation with an NCS representative, I was told that the {$0.00} judgment was only for possession and that a second hearing would have been required for the rent. This is factually incorrect. In a nonpayment eviction, the magistrate court rules on both possession and rent in the same case, and the {$0.00} judgment is the courts ruling on the rent claim. No second hearing occurred, and I was never notified of any additional action because none exists. 

Additionally, the amount NCS is attempting to collect is approximately {$4000.00} higher than the amount originally presented to the judge during the eviction hearing. This suggests the balance has been inflated beyond what was ever claimed in court, and no documentation has been provided to justify this increase. XXXX has no legal basis to assign or outsource a debt that was extinguished by court order, and NCS is attempting to collect an inflated and invalid debt while providing misleading information about the court process.

I am requesting that the CFPB investigate this matter and require NCS and XXXX to cease all collection activity related to this invalid and improperly inflated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NC

Complaint narrative:
I am reporting Pinnacle bank entity for corruption, systemic abuse, and being very unethical. XXXX XXXX unlawful terminated my banking account because I reported an bias, XXXX  unprofessional, incompetent, financial specialist XXXX XXXX { which he does has deep seeded issues }, that's what XXXX XXXX said over the phone. They jumped to conclusions and terminated account and then let me know at the last minute after the decision was made. And Pinnacle didn't have the audacity to resolve the issues with me before they canceled my account. That's diabolical. I talked to XXXX XXXX on XX/XX/year> to fix the problem and he said was too late to do anything, it was already in progress. XXXX XXXX and XXXX XXXX are crooked, untrustworthy, double-dealing, fraudulent, false, unscrupulous, unprincipled atrocious, heinous, and monstrous. Then XXXX XXXX started projecting saying that I dislike all of Pinnacle, NO! he had it all wrong just one person I had an problem with. I been banking with Pinnacle for 5 years had no problem until I ran into this one awful person. They cancel my account on XX/XX/XXXX XXXX and closing date XX/XX/year> I found out through an letter that I got on XX/XX/year>. Pinnacle closed my account unfairly and XXXX XXXX and XXXX XXXX needs to chasten immediately! A bank can not cancel an account because I reported an callous financial specialist for bad behavior. Also there's been lots reports of XXXX at that bank anyway. The address for that Pinnacle bank is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XX/XX/XXXX I wired from another account in my name to BMO bank and nothing was wrong with it but anytime I used my card it would get locked instantly and on XX/XX/XXXX they locked over XXXX $ in my checking account and have said there is nothing I can do about it beside wait XXXX to XXXX days for my money I have waited over XXXX weeks and still havent gotten any information on what is happening and a timeline

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 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: Block, Inc.
State: VA

Complaint narrative:
XX/XX/year> Tuesday XXXX XXXX  THIS IS THE 2ND EXTENSIVE COMPLAINT ON THE COMPLAINT ID NUMBER XXXX AFTER TYPING THE 1ST SECTION OF THIS COMPLAINT I VISITED THE LOCAL XXXX STORE AND WITH MY REMAINING XXXX DOLLARS I MADE A IN STORE PURCHASE AT A SELF CHECK OUT REGISTER WITH THE CASH DEBIT CARD. I STILL HAVE XXXX DOLLARS LEFT AND WILL HAVE TO FIGURE OUT HOW TO SPEND IT IF I DECIDE NOT TO LOAD MORE MONEY ONTO THE CARD. I WILL NOT LOAD ANY MORE MONEY ONTO THIS CARD WHILE THIS ISSUE IS A PROBLEM BECAUSE I FEEL THAT IT IS STRANGE. MONTHS AGO THERE WAS A ISSUE ABOUT USING A PERSONAL CHECK TO BUY A LAPTOP AND FINALLY AFTER FEELING SUSPICIOUS I SENT A MONEY ORDER INSTEAD OF A 2ND CHECK AND THE XXXX XXXX COMPANY THAT WORKS WITH XXXX AND COLLECTIONS TRIED TO SAY THAT THEY OWED ME MORE MONEY FOR THE LAPTOP. 

SO WITH THIS ISSUE IT IS A CASH APP XXXX  DEBIT CARD WITH A COMPUTER CHIP THAT IS THIS SLOW WITH ONLINE PURCHASES USING THIS CARD. I HAVE 2 OTHER DEBIT XXXX  CARDS AND NOTHING HAVE EVER HAPPENED AS A ONLINE ISSUE WITH EITHER ONE OF THEM. I AM SHOWING WITH THE 2ND PART OF THIS COMPLAINT IS SCREEN IMAGES RECEIPTS OF THE CASH APP CARD PURCHASES. AND THE ONGOING LENGTHY PENDING STATIS THAT HAS LASTED AS OF XX/XX/year> SINCE XX/XX/year>. I AM ALSO SHOWING THE XX/XX/year> IN STORE RECEIPT THAT SHOWS ON THE CASH APP TRANSACTION PAGE AS COMPLETED QUICKLY. I AM SHOWING THE XXXX ONLINE PURCHASE RECEIPTS THAT ARRIVED AT MY XXXX XXXX  ACCOUNT EMAIL. THE XXXX COMPANY DID TAKE THE XXXX DOLLARS BECAUSE IT REFLECTED ON THE CASH APP AS A DECREASED BALANCE ON THAT DAY. THERE IS USUALLY A 2 PART OR 2 DAY TRANSACTION PERIOD THAT I HAVE EXPERIENCED WITH MY OTHER DEBIT XXXX  CARD AND THEN I PURCHASE MY DENTAL PLAN USING A DEBIT CARD EVERY MONTH AND THIS TRANSACTION GOES THROUGH A 2 DAY PROCESS AS WELL BUT THE TRANSACTIONS ARE ALWAYS LIKE CLOCK WORK. SOMETHING IS SEEMINGLY " STUCK '' AS A 1 PART WITH THIS TRANSACTION. CASH APP SUPPORT PROMISES TO GET INVOLVED IF A ADEQUATE AMOUNT OF TIME GOES BY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC
State: GA

Complaint narrative:
ALLIANCE Cas, representing XXXX XXXX XXXX  XXXX XXXX 
I received a statement from Alliance cas, debt statement for {$17000.00} dated XXXX XXXX. For the billing period XXXX XXXX. I disputed the amount by certified mail and email/XXXX XXXX. I ask itemization for the billing period XXXX per Alliance correspondence. THE {$17000.00} is XXXX and today per Alliance. 
Have not received itemization for the 4 years per HOA law.

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 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
SETTLEMENT OFFER WITH PAY-FOR-DELETE REQUEST Account : XXXX ( XXXX XXXX Department Stores XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Current Collector : LVNV Funding LLC / Resurgent Capital Services Balance Claimed : {$610.00} Prior CFPB Case : # XXXX ( XX/XX/year> ) BACKGROUND : In XX/XX/year>, I filed CFPB complaint # XXXX against XXXX XXXX regarding this account. XXXX XXXX responded on XX/XX/year>, validating the debt and offering settlement of {$210.00} ( 35 % of balance ). However, XXXX XXXX stated they would NOT delete the tradeline- it would remain as " paid charge-off. '' After that complaint, XXXX XXXX SOLD this debt to LVNV Funding LLC. Resurgent Capital Services is now servicing the account and offering settlement at {$240.00} ( 40 % ) on their website. 

MY SETTLEMENT OFFER : I am willing to settle this account under the following terms : - Settlement Amount : {$210.00} ( matching XXXX XXXX original offer ) - Maximum I Will Pay : {$250.00} ( absolute maximum ) - Payment Type : ONE-TIME lump sum ( no payment plan ) - Payment Timing : Within 30 days of written acceptance - REQUIRED CONDITION : PAY-FOR-DELETE ( complete removal from all 3 credit bureaus ) WHY PAY-FOR-DELETE IS REQUIRED : I am cleaning up my credit to qualify for business financing to purchase a commercial truck. A " paid charge-off '' provides no benefit to my credit profile - only complete deletion will help. LVNV purchased this debt for approximately XXXX cents on the dollar. At {$210.00}, they would make XXXX their purchase price. 

CONDITIONS : 1. Written acceptance required before payment 2. Deletion requests must be submitted within 10 business days of payment 3. This is full and final settlement 4. This offer is NOT an acknowledgment the debt is valid If LVNV/Resurgent agrees, I will pay within 30 days. If they refuse pay-for-delete or demand more than {$250.00}, I withdraw this offer and will pursue disputes on chain of title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
XXXX is involved in significant data breach issues stemming from its acquisition of XXXX XXXX, with XXXX XXXX XXXX Attorney General suing in XX/XX/XXXX for failing to protect nearly XXXX customers ' driver 's licenses in XXXX breaches, leading to identity theft risks and a lack of notification. Separately, XXXX  also sued XXXX XXXX XX/XX/XXXX for illegally collecting and selling driving data for premium hikes, alleging violations of state privacy laws. The XXXX XXXX case, involving vulnerabilities in online quote tools, is now back in state court, with XXXX defending its actions. 
Key Details of the XXXX XXXX Lawsuit ( XX/XX/XXXX ) The Breaches : Two incidents ( XXXX XXXX & XX/XX/XXXX ) exposed driver 's license numbers through weak security on XXXX XXXX 's quote websites. 
Allegations : Failure to secure data, failure to notify affected individuals, and violation of state data security laws. 
Impact : Exposure of nearly XXXX people 's data, with about XXXX being XXXX XXXX, increasing risks for identity theft. 
Legal Status : The case was remanded to XXXX XXXX State XXXX in late XXXX, with XXXX claiming they resolved the issue years ago. 
Key Details of the XXXX  Lawsuit ( XX/XX/XXXX ) The Issue : XXXX and its data analytics firm XXXX allegedly collected location data from apps ( like XXXX ) without proper consent. 
Allegations : Illegally collecting and selling data to justify raising premiums, violating XXXX  's privacy act. 
What You Should Know Identity Theft Risk : Driver 's license numbers are highly valuable to criminals for fraud and identity theft. 
Company Response : XXXX stated they secured systems, notified regulators, and offered credit monitoring for the XXXX incidents. 
Legal Action : State Attorneys General are actively pursuing cases against XXXX for security and privacy violations, highlighting ongoing cybersecurity concerns. I have a XXXX XXXX data breach with ID restoration obtaining a data broker marketplace business account under false pretenses. I wanted to file a insurance policy cyber liability claim with my restoration officer.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
DEMAND FOR IMMEDIATE DELETION - TIME-BARRED DEBT / FCRA VIOLATION Account : XXXX ( XXXX XXXX XXXX XXXX Creditor : XXXX XXXX Current Collector : LVNV Funding LLC / Resurgent Capital Services Balance Claimed : {$390.00} Settlement Offer Received : {$130.00} LAST PAYMENT DATE : XX/XX/XXXX ( OVER 16 YEARS AGO ) THIS DEBT IS LEGALLY UNCOLLECTIBLE FOR TWO INDEPENDENT REASONS : VIOLATION # 1 : STATUTE OF LIMITATIONS EXPIRED Under Florida Statute 95.11 ( 2 ) ( b ), the statute of limitations for written contracts is 5 years. 
- Last payment : XX/XX/XXXX - XXXX expired : XX/XX/XXXX - Years past XXXX : XXXX YEARS LVNV can not legally sue to collect this debt. It is TIME-BARRED. Yet they continue collection attempts and credit reporting. 

VIOLATION # 2 : FCRA 7-YEAR REPORTING PERIOD EXPIRED Under 15 U.S.C. 1681c ( a ), negative information must be removed from credit reports 7 years from date of first delinquency. 
- First delinquency : XXXX - FCRA reporting period expired : XXXX- Years past reporting period : XXXX YEARS This account should have been removed from all credit reports by XXXX. Its continued presence violates federal law. 

DOCTRINE OF LACHES / EQUITABLE ESTOPPEL : LVNV has waited XXXX years to pursue this alleged debt. This extreme delay has caused substantial prejudice : - I can not locate any records from XXXX - Witnesses are unavailable - Standard document retention policies have destroyed all evidence- I can not verify or dispute the accuracy of any claimed balance Under Florida equitable principles, this claim is BARRED. See Federated Mutual v. XXXX, 237 So. 2d 38 ( Fla. 1st DCA 1970 ). 

I DENY THIS DEBT : 1. I deny owing any debt to LVNV Funding LLC 2. I deny the accuracy of any balance claimed after XXXX  years 3. I deny this debt is legally collectible ( time-barred ) 4. I deny this debt may be legally reported ( FCRA expired ) STATUTORY VIOLATIONS : - 15 U.S.C. 1692e - False representations ( implying time-barred debt is collectible ) - 15 U.S.C. 1692f - Unfair practices ( collecting beyond SOL ) - 15 U.S.C. 1681c ( a ) - Reporting obsolete information - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - Furnishing inaccurate information- Fla. Stat . 559.72 ( 9 ) - Claiming unenforceable debt- Fla. Stat. 559.72 ( 7 ) - Abusive conduct CASE LAW : XXXX v. LVNV Funding, LLC, 758 F.3d 1254 ( XXXX XXXX. XXXX ) - Held that attempting to collect time-barred debts violates the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: VT

Complaint narrative:
In XX/XX/XXXX, our house flooded and it was a total loss. Fay Servicing still made us make {$1800.00} a month mortgage payments, including taxes and insurance on an unliveable and destroyed home. We continued to make payments for XXXX and XXXX years until XX/XX/XXXX. In XXXX XXXX, we started making mortgage payments to the XXXX for a new home. We couldn't make 2 mortgage payments. Fay Servicing would not lower the payment for us or work with us at all. We stopped making the mortgage payments to the old house. In the year we have not paid our payments, Fay Servicing has added on over {$30000.00} in fees, they received a flood insurance check of over {$80000.00} and refused to put it toward the balance of the mortgage. We've been in a buyout this whole time and Fay Servicing knew the buyout was happening in XX/XX/XXXX, and they would get their balance $ $ $ . They decided they were going to foreclose on us, so they did that and added on more fees. If they had put the {$80000.00} insurance check toward the mortgage balance, we would have only owed them {$30000.00}, instead they keep the check, and foreclose on us. I postponed the buyout from XXXX to XXXX because I want to get this resolved. They are trying to take all of the buyout $ $ $ , when half of the buyout $ $ $ $ should be going to the XXXX, so actually they are trying to steal XXXX money. We just want the fees taken off, and for Fay Servicing to put the insurance check toward the mortgage and us to pay them only the balance which is {$30000.00} and let the XXXX have their {$110000.00} owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: MT

Complaint narrative:
NFC U canceled my credit card on XXXX. Its paid in full and there was no fraud on it. There was no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Theres a charge on my account that doesnt belong to me that is XXXX XXXX dollars From XXXX XXXX which I didnt stay there I stayed with my parents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding Ally Financials inaccurate handling and reporting of my auto lease payoff. 

I traded in my leased vehicle at a XXXX dealership on XX/XX/2025. My final lease payment of {$580.00} was due on XX/XX/2025. At the time of the trade-in, the dealership confirmed that their payoff would include all remaining obligations on the lease, including the final payment. 

As documented in the Retail Lease Agreement signed on XX/XX/2025, the total payoff amount was {$29000.00}. The dealership paid this amount to Ally on XX/XX/2025. Ally accepted and processed the payoff and subsequently released the vehicle title to the dealership, indicating the lease was satisfied. 

Despite this, Ally is asserting that I still owe the final lease payment and has added a late fee of {$29.00}, claiming a remaining balance of {$610.00}. Ally has also indicated that this amount may be reported as late or delinquent. This is incorrect, as the lease obligation was fully satisfied through the dealership payoff. 

I have contacted Ally to dispute this error and provided documentation from the dealership confirming the payoff. Additionally, the dealership attempted to contact Ally directly to resolve the discrepancy ; however, Ally refused to discuss the matter with the dealership, stating that it was a customer issue. Despite these efforts, the issue remains unresolved. 

I am requesting that Ally Financial : Correct its records to reflect that the lease was paid in full through the dealer payoff ; Cease any negative or delinquent reporting related to this alleged balance ; Remove any inaccurate late payment reporting that may have already occurred ; and Provide written confirmation that the account is closed with a XXXX balance and no delinquency. 

Allys continued assertion of a balance after accepting the full payoff constitutes inaccurate account reporting. I am requesting prompt correction to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
I am writing in response to your communication regarding the above-referenced debt. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following : The total amount of the debt, including an itemized breakdown of any interest, fees, or other charges. 
The name and address of the original creditor. 
A copy of the original contract, agreement, or other documentation bearing my signature that shows I agreed to this debt. 
Proof that you are legally authorized to collect this debt, including any license required to collect in my state. 
Documentation showing the date of last payment and that the debt is within the statute of limitations. 
Until you provide proper validation, you must cease all collection activities, including reporting this account to any credit reporting agencies. If the debt has already been reported, it must be marked as disputed. 
This letter is not an acknowledgment of any debt, nor is it a promise to pay. 
Please respond in writing only. 
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 explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been contacting CAPITAL ONE for almost 5 years. Ive had a disputed several times of course they verified my information, but they failed to identify bank account owners name in which account was opened ( which was fraudulently used a different persons bank account ), and I asked for original arbitration agreement showing opening of account, and they ( capital one even verified it was opened under MY NAME but funded under a fraudulent act of using someone elses account to open it. Ive called, send requests, disputed to no avail. They themselves admit it was fraudulently opened but wont do anything about removing it from my report & removing this debt I never incurred!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
Exeter Finance LLC an auto finance company sent me a letter in the mail with a lower payment rate. I scanned the image I know my credit score I figured they already had mine to send me a preapproved letter. They go by the name AutoPay. I think its a scam to get your information. I filled everything out but my social so they would call me and ask and tell me more about their company. Instead they pulled my credit without permission and sent me another bill XXXX pre approval with {$49000.00} down. This has fraudulent information buying tactics written all over it. Please do something to this fraudulent company.

Company response to consumer: Closed with explanation