vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
This account was reporting wrongful information on my account for almost two years now and this is very much damaging to my life. I also notice that they have changed some information multiple times do to my recents dispute. As of now i would like for this to remove from all three credit bureaus for this account has been reporting false information on my account for nearly two years now, which has significantly impacted my life and credit score. I've also noticed that they've made some changes to the information due to a recent dispute. Therefore, I would like this creditor to removed their filing from all three credit as this is a third-party creditor trying to collect debt that is not theirs! I also notice that this company has been sued by the sate of Md and im going to sue for {$100.00} for each reporting month. If you look at my last filing for this with the CFPB, they stated that they had no information or no knowledge of this account as Im showing you information is being reported that is very damaging. This company had lied to you and me

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 2026-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
I originally took out private student loans with XXXX XXXX now XXXX in XXXX, XXXX and XXXX. It was XXXX loans in total. My repayment started XXXX of XXXX and end XXXX of XXXX. During my repayment, I struggled to make payments with variable interest rates as high as XXXX XXXX and monthly payment sometimes over {$500.00} a month. I would ask for deferment but was offered a XXXX XXXX XXXX with a fee of {$150.00} and the interest would be added to the principle. I ask multiple times for a fixed interest rate but was consistently denied. Then they finally offered me this program with a reduced interest rate and lower payment of {$240.00} a month, but it was only for a year XXXX of XXXX to XXXX of XXXX. When that ended, it was back to variable interest rates and a payment almost {$400.00} a month. I never defaulted. I always tried to pay. It was not until XXXX that they offered me a fixed interest rate of XXXX XXXX by consolidating/refinancing my XXXX loans with XXXX. With that been my only offer, I consolidated with XXXX. Not realized XXXX XXXX was facing a major lawsuit regarding overcharging for interest. My total original loan amounts totaled {$36.00}, XXXX in XXXX before the capitalized interest was added. When reconsolidation was completed, the loan from Navient was bought by XXXX XXXX for XXXX in XXXX. XXXXt definitely over charged me for interest, and so much more. I still owe about XXXX on the loan with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
MOHELA provided incorrect information about the forbearance terms, failed to give accurate written documentation, and continued collection activity after I requested a pause. They reported my account as past due, and a missed payment appeared on my credit report. This loan is tied to XXXX College, a school found guilty of fraud, and my federal loans were already discharged for this reason. MOHELAs servicing misconduct caused additional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
I am submitting a new complaint regarding Columbia Debt Recovery LLC ( Genesis ) based on new and previously requested documentation that directly contradicts their prior response. This account is being reported as a collection related to a prior rental at XXXX XXXX Apartments in XXXX, Michigan. However, this debt is invalid and is being inaccurately reported. On XX/XX/year>, the City of XXXX XXXX, XXXX XXXX and XXXX Department issued an Emergency Correction Order after the property failed inspection due to lack of heat and other violations, making the unit noncompliant with required housing standards. Due to these conditions, I was not legally responsible for rent during the affected period. Additionally, this matter proceeded through legal channels with representation from XXXX XXXX XXXX. The case resulted in a consent judgment in which I was dismissed from the case. Importantly, no money judgment was entered against me. Despite this, Columbia Debt Recovery continues to report this account as a valid collection and has attempted to pressure me into paying a discounted amount for a debt that is not legally enforceable. In their previous CFPB response, the company stated that I did not provide documentation supporting my claim regarding property conditions. I am now providing that documentation, including the City of XXXX violation notice and legal case closure records. Their continued reporting of this account, despite evidence disputing its validity, is inaccurate and damaging to my credit. I am requesting : - Immediate removal of this collection account from all credit reporting agencies- A full reinvestigation based on the attached official documentation - Written confirmation that this account will no longer be reported This matter has already caused significant harm to my credit and financial opportunities, and I request prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Between XXXX thru XXXX my XXXX stole my card information. Then he used the information to steal money from my account thru door dash, XXXX and XXXX XXXX. I had none of those apps. He took almost {$16000.00} before the bank caught it. I was in the middle of remodeling my house so didnt realize it because of my expenses being so much. This has been to the fraud prevention program and now the bank has disputed my claim by saying the transactions are too similar to other transactions I made. Most all of the transaction sheets show my grandson as the withdrawal person. He is not on my account. I have filed charges against him but they didnt do anything about it besides probation and pay me thru the court {$250.00}. He was only XXXX. I trusted him and all of my financial dealings had to be corrected due to the cancel of my account and a new account formed. This has caused me much heartache and physical distress. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX, I received my mortgage statement from United. My mortgage was up {$400.00} with no prior notice. Come to find out, my escrow was short due to increased insurance and increased taxes. Rather than send an escrow notice ( which ended up being received in XX/XX/XXXX ) they just increased the mortgage. Trying to contact someone to get answers was a nightmare. I wanted to settle the escrow and recast my mortgage to lower payments. Ultimately I ended up changing homeowners insurance and asked that it not go through escrow. Our agent made this request to united bank, but instead of obliging they sent a full payment to XXXX XXXX creating a larger escrow imbalance. I didnt find this out until XX/XX/XXXX when I called again, to try to recast. I spoke with someone and they told the escrow is out of balance. I sent a check to settle the out of balance and asked about recasting. No one could help. I emailed XXXX XXXX ( CEO ) and no response. Today I received my mortgage due notice and its up even higher despite the escrow payment! My mortgage has gone from {$3400.00} to {$3900.00} to {$4100.00} since XXXX. This is unacceptable and I need help fixing it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had a bank account with Chime for a few months last year. I closed the bank account and soon after closing the bank account a credit card account popped up on my credit. I called Chime and told them I wanted all accounts closed and that I never received or had a credit card with them. The rep on the phone confirmed that the credit card account was never active and never used and stated it was accidentally reported and would be removed, I also disputed through the credit bureau on my end, which the account was initially removed. A month later they reported to my credit again, putting ir back on my credit report, that the account is in good standings even though on my credit report it shows no credit limit or balance due. I contacted Chime again and again asked them to get it off of my credit because I never had a credit card account. This rep also confirmed and saw the notes from the previous rep, she stated everything would be fine and not to worry because I can stil use the credit card, even though I again told them I never had an account and never received a card. She looked at my account and again confirmed that the account was never opened and a card was never issued. I disputed the account again and this time I received an email from Chime stating " We've received the dispute of your XXXX monthly Credit Builder Card statement and wed like to share some information with you. The reported information was accurate as of the date it was reported. However, additional undisputed information was found to be inaccurate and was updated. A response has been sent to the credit bureau. Please look for these changes to be reflected in our next monthly report. ", I checked my report and it shows the account is closed but it will remain on my credit until XX/XX/year>, which is longer that the average and wrong since I never had a credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: NV

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> the company responed and I didn't see and email for me to respond to I was following up to see you closed the case waiting on a response Okay here my respones ONE they are lying and mislleading VETERANS lying saying its a veterans program XXXX XXXX XXXX? XXXX & XXXX & XXXX Okay the say I gave them XXXX and they paid out XXXX and kept the rest you can see in the shots I upload from the app there is not explaintion to the drainage of my escrow I would have never signed up for this and XXXX bank called me and said they had customers who got robbed by them I did too........ they charged off all my credit cards and other bills i had and called up to get the lowest pay off XXXX years XXXX XXXX acounnts out of XXXX Im not paying anytthig for that they ruined my credit and robbed me there documenation says XXXX percent at the most for management fees. since it doesnt say what the fees are we can assume its foul and scandalous

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
Attorney Pollack and Rosen PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX representing XXXX XXXX XXXX has somehow gotten a garnishment against my wages for a debt with my social security number and a false name, XXXX XXXX. I confronted them that this information was an old fraudulent account and provided them with my legal correct name and identification. My name is not and has never been XXXX XXXX, and I have never used that name to obtain credit of any kind. The original creditors in the fraud were notified and reports were filed. This was a very long time ago. It appears that this new company listed above has purchased the fraudulent file to collect one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had an auto loan with Wells Fargo and made additional payments over the past approximately six to seven months with the intention of reducing the principal balance and paying off the loan faster. Despite making extra payments, Wells Fargo continued to treat those payments as advance payments toward future due dates rather than applying them directly to principal. As a result, interest continued to accrue in a way that did not meaningfully reduce the loan balance. At one point, Wells Fargo indicated that I did not have a payment due until XX/XX/year> because I was paid ahead. However, on or about XX/XX/year>, a payment was made, and interest was charged on the account. This was confusing and appeared inconsistent with the paid ahead status. Because the loan balance did not appear to decrease as expected despite multiple extra payments, I ultimately paid off the loan in full. It appeared that the structure of payment application allowed interest to continue accumulating in a way that was not clearly disclosed.

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 2026-03-17 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: Chime Financial Inc
State: MS

Complaint narrative:
I called several times about transactions from XXXX, first I identified that I do not have a Doordash account and they tried to refund my money but could not locate any accounts. They suggested that I contact my card provider, I've had several cards sent which included the one that was deactivated in my 1st complaint after receiving each card the person was still able to make purchases even after I cancelled a card. I finally spoke with a representative who told me I can have pre-authorization turned off because even if there was a lost card transactions could go through. I waited to activate a card that I had received and I saw transactions still trying to process through notifications, I just wanted the money returned because I was funding someone else 's food. My card is constantly locked I'm afraid to use it because I might forget to lock it back. Even after having proof that I was not making these charges my complaints were not taken seriously. Recent transaction attempt XXXX XX/XX/year> XXXX I was working until XXXX XXXX, I didn't order anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am writing to formally dispute the repeated loss of funds from my account following PNCs acquisition and conversion of XXXX accounts. Since the XXXX transition, I have lost hundreds of dollars due to unexplained fees and account activity that I was never properly notified about. I have already attempted to resolve this issue multiple times by visiting a branch in person and speaking with representatives on the phone on three separate occasions. Despite these efforts, the issue remains unresolved. As of today, I have received an alert stating that my account is in Low Cash Mode with a balance of only {$10.00}, which is extremely concerning given the unexplained deductions that have occurred. This situation is unacceptable. I am requesting the following immediately : A full audit and explanation of all fees and withdrawals that have occurred since the XXXX conversion. Reimbursement of any incorrect or unauthorized fees that resulted from this transition. Immediate restoration of the funds that were improperly deducted. If this matter is not resolved promptly, I will be forced to escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and the Texas Attorney Generals Office. Please contact me immediately to confirm that this issue is being investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I am the lawful owner and title holder of a XXXX vehicle with VIN XXXX, which I purchased in XX/XX/XXXX and financed through XXXX XXXX. I have never had any account, agreement, or financial obligation with Santander Consumer USA. Despite this, Santander Consumer USA is currently listed as a lienholder on my vehicle. This incorrect lien has prevented me from selling the vehicle and has caused financial harm. On XX/XX/XXXX, I attempted to sell the vehicle to XXXX, but the sale was denied due to the lien Santander is reporting. I contacted Santander and was informed that a balance is associated with another individual. I am not responsible for any prior owners debt and should not be impacted by it. I am requesting an immediate investigation, removal and release of the lien, and written confirmation that Santander has no legal interest in my vehicle. This matter is time-sensitive and continues to cause financial damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: CITIBANK, N.A.
State: IN

Complaint narrative:
On XXXX XXXX I made a booking reservation with a company called ERG collection for a vacation home rental scheduled for XXXX XXXX XXXX. XXXX XXXX of {$6000.00} was made and booking agreement was signed. On XXXX XXXX I tried contacting the company and discovered their phone number was not working, website was no longer up, and I sent an email to cancel the reservation but the email returned to sender as domain name no longer exists. I contacted citi bank to dispute the charge and case was opened. On XX/XX/year> I received notice from Citi bank that dispute was resolved and customer is responsible. I submitted supporting documents to Citi bank with my original dispute and again on XXXX XXXX that included the booking agreement which showed cancellation policy that states, 100 % refund if cancellation is made more than XXXX days prior to check in date, payment receipt, as well as the email I sent to the company requesting to cancel which was XXXX days prior to check in date. I also sent picture showing the email was returned as domain name no longer exists. It is clear that I followed the cancellation policy, services were not rendered, and the merchant is unresponsive or defunct, yet the dispute was denied.

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