vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC

Complaint narrative:
In XX/XX/year>, I closed my XXXX account and returned all equipment at the XXXX store. I have an equipment return receipt. XXXX own billing statement dated XX/XX/year> confirms the service was disconnected on that date and shows a credit of - {$32.00} for advance-billed services. However, XXXX charged me {$110.00} for XXXX XXXX XXXX XXXX XXXX, claiming equipment was not returned. This charge is incorrect as all equipment was returned at the time of cancellation. XXXX then sent this disputed debt to Credence Resource Management for collection. I received a text message from Credence attempting to collect this invalid debt. I have already filed a complaint with the FCC regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
Hi, I had set up recurring direct deposit transactions with Current Bank which would take {$200.00} from my paycheck every other weeks ( which they have done to get to the total of {$800.00} - XXXX - on XX/XX/XXXX, XXXX, XX/XX/XXXX & XXXX ). I tried authenticating my account at the time when my New York State ID expired and provided screenshots with the interim ID and my passport but they kept requesting more proof ( which I did provide on XX/XX/XXXX ) which prompted them on XXXX to say the following : following an internal review of your account activity, we are exercising our right to permanently close your Current account and this decision can not be appealed. We will finalize the closure of your account no later than ten ( 10 ) calendar days from the date of that email. I sent an email on XXXX and on XXXX requesting how the money would be returned since I have no way of contacting them via phone since they do not receive calls from suspended accounts. I have not heard anything since and this is a pressing issue that I would at least like to know how my funds would be returned given that they had access to my paystubs to deduct it but closed off all lines of communication right after they came to their verdict without providing my any additional reasoning or updates. I am still waiting to hear back on how I will receive my funds if the account is suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: RI

Complaint narrative:
I am submitting this complaint regarding TrueAccord 's handling of a disputed debt they are attempting to collect on behalf of XXXX. TrueAccord is attempting to collect approximately {$200.00} from me. I disputed this debt and requested debt validation multiple times. Specifically, I requested documentation showing that I authorized the charges, including a signed agreement, contract, enrollment record, or other proof establishing that I agreed to the services and charges being claimed. Instead of providing the requested documentation in an accessible manner, TrueAccord repeatedly directed me to an online portal to view the validation documents. The portal consistently failed for my account because it required a ZIP code that it then rejected, preventing me from accessing the documents they claimed validated the debt. I notified TrueAccord of this technical issue multiple times. Despite being informed repeatedly that I could not access the portal, TrueAccord continued sending automated emails stating that the debt had been " validated '' and directing me back to the same inaccessible portal. After multiple requests, some documents were eventually emailed to me. However, the documents provided consisted of generic account records and invoices and did not include a signed agreement, proof of authorization, proof of enrollment, or other documentation demonstrating that I agreed to the charges being collected. I have continued to dispute the debt and have explained repeatedly why I believe the documentation provided is insufficient. Rather than addressing the substance of my dispute, TrueAccord has continued sending repetitive automated communications asserting that the debt has been validated. My concerns are : 1. TrueAccord repeatedly relied on an inaccessible portal as the primary means of providing debt validation despite being notified that I could not access it. 2. TrueAccord continued collection efforts while repeatedly directing me to a system that did not function for my account. 3. The documentation provided did not include the specific proof of authorization I requested. 4. My dispute has not been meaningfully addressed, and I continue to receive repetitive automated responses instead of responses tailored to the issues I raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I thought I bought a program through XXXX for Back School related purchases that could be used anywhere. When I saw this wasn't the case, I tried to cancel the order immediately. But XXXX says that a vendor must cancel the card through their distributor XXXX. XXXX customer service provided no way of canceling the card until a specific brand was selected. The brand selected then said that they do not provide refunds. This is vicious scam to keep {$250.00} as there are no live customer service agents to talk to at XXXX or any of its affiliated programs except through email and chat that doesn't keep the whole issue in correspondence. The agents only respond back with templated responses instead of thinking human beings that the process is confusing the XXXX doesn't provide cues along the way for an informed transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company 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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I am filing a complaint regarding the repossession of my vehicle and the subsequent deficiency balance being demanded. On XX/XX/XXXX, I financed a XXXX XXXX XXXX. After falling behind on the payments. I attempted in good faith to resolve the account prior to repossession. I submitted written settlement offers via email and mail requesting either acceptance or a counterproposal. I also attempted to communicate resolution options to loss mitigation and was denied. On XX/XX/XXXX, I received an email notice indicating repossession would occur and vehicle was repossessed late that night. I did not receive adequate advanced notice, nor did I receive a meaningful opportunity to cure or properly address the default prior to repossession. Months after repossession, I received a deficiency demand stating that the vehicle was sold for approximately {$21000.00} and that I owe an additional balance of {$13000.00} and I am receiving harassing phone calls. However, I did not receive timely or complete post-repossession documentation including notice of sale, full accounting, or explanation of how the deficiency was calculated. I dispute the validity, accuracy, and enforceability of the alleged deficiency balance. I am unable to verify whether required repossession procedures were properly followed, whether legally required notices were provided, or whether the vehicle sale was conducted in a commercially reasonable manner. In light of this, I request full documentation supporting this account, including proof of all notices sent, dates and methods of delivery, copy of any default repossession, redemption and sale notices, complete payment history and payoff balance at the time of repossession, full itemization of all fees, charges, and repossession-related costs, documentation of the sale, including date, method, and proceeds proving the sale was conducted in a commercially reasonable manner, and a complete calculation showing how the alleged deficiency was determined. I do not admit any liability for the amount claimed and request a formal review of this account for accuracy and compliance with applicable law and contract requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Columbia Debt Recovery LLC is reporting a collection account from XXXX XXXX ( XXXX ) that should not have been sent to collections. The company claims I owed unpaid utilities from XXXX XXXX. I have documentation showing these charges were billed through my apartment account and that payments were made during the corresponding billing periods. I have included supporting bank records showing the corresponding payments. The account was originally reported to the credit bureaus as an unpaid derogatory collection. After I disputed the account, one bureau updated it to " paid collection '' and " settled less than full balance. '' However, I never agreed to any settlement, never acknowledged owing this debt, and I dispute the validity of the account. Reporting the account as settled is inaccurate. I also did not receive proper notice before the account appeared on my credit reports because the collector used an incorrect address. As a result, I was not given a fair opportunity to address or dispute the alleged debt before it was reported. I am requesting that Columbia Debt Recovery LLC remove this debt and correct any inaccurate reporting from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
So I have recieved multiple calls in regard to a supposed " legal action '' this company has in regards to my mother, but my mother has not recieved any notice, calls, or any type of mailings from this company. I have repeatedly asked for them to stop calling me and leaving me messages as she isn't my responsibility ( estranged ) amd they keep harassing me. When I tell them this they will get flustered, get angry curse at me and hang up on me then proceed to call me back later on in the day or the next day. Im fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I ordered a package from XXXX on XX/XX/year> for {$1700.00} I never got my package and XXXX at one point XXXX even acknowledged that the package was delivered to the wrong address. XXXX told me I would get a refund if I filed a police report I even recorded this on my phone in case I needed it. So I filed a police report and waited and today on XX/XX/XXXX they told me they would not be providing a refund. This is not right I paid for something I that I never recieved and I filed the police report just like they asked. Please help me this time as I have my police report and XXXX said they would help if I filed a police report but they are not. I have attached the police report in hopes that this will help 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 2026-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Guild Holdings Company
State: MO

Complaint narrative:
My mortgage is with Guild mortgage. My monthly payment increases every year. Last year I payed the shortage of XXXX. This year they want XXXX for a shortage. But every time I call the call center that number raises. Taxes XXXX {$2000.00} XXXX XXXX XXXX {$2300.00} Insurance XXXX {$2200.00} XXXX XXXX I was paying XXXX a month now it raised to XXXX a month. When I ask how my monthly payment can increase when my insurance decreased I get a different answer and amount each time. I have called a local branch in Kansas but they will not return my calls then I am routed to a different customer service agent. Can you help me resolve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CT

Complaint narrative:
I am filing a formal complaint against EdFinancial Services regarding adverse credit bureau reporting for delinquent months in XXXX. I experienced severe, compounding financial hardships and safety crises during this period. First, my state public assistance benefits ( XXXX XXXX XXXX ) were terminated at the end of XXXX, leaving me financially vulnerable going into the new year. Immediately following this transition, I became the victim of repeated vehicle thefts, having my car stolen three separate times during this timeframe. This completely disrupted my ability to maintain stable transportation, employment, and financial consistency. I contacted EdFinancial customer service and escalated the call to a supervisor to explain these extreme hardships and request a retroactive administrative adjustment or temporary hardship forbearance to resolve the XXXX delinquency and correct my credit history. I was told by the supervisor that EdFinancial could not or would not apply any retroactive relief paths to my account, completely ignoring the severe crises I endured. I am requesting an executive review of my account. I ask that EdFinancial look at the totality of these circumstances and apply a discretionary retroactive forbearance or administrative adjustment to cover the delinquent months o f XXXX. This will bring the account current and allow EdFinancial to submit a corrected update to XXXX, XXXX, and XXXX to delete the negative credit history entirely. Furthermore, I request clear options to enroll in an Income-Driven Repayment ( IDR ) plan moving forward to protect my credit permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
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: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
I purchased the vehicle from a dealership in California in XX/XX/year>. I drove it to my home state of Washington and then I registered it there. In XXXX of XXXX, the dealership reported the sale in California and the vehicle got a new California title, which voided the Washington title. Now, my registration is cancelled and I can not drive my vehicle. The state of Washington needs a copy of the California title in order to get things fixed. I called the California titles department and they told me the California title is an e-title so they dont have it, and that the lienholder should have it. I have called the lienholder ( XXXX XXXX ) almost every day for about a month and have gotten nowhere. No one there can figure it out nor are they working on figuring it out. I constantly get answered by agents working in other countries who dont even seem to understand what a title is and where California and Washington are. They keep telling me they will escalate the problem and someone will call me back, but nothing ever happens. I keep making payments on a vehicle that I cant drive, but they wont help me with the documentation. I dont know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 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: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/26 two ( 2 ) fraudulent charges were made on my Chime Checking account from XXXX. Chime honored/paid one charge for ( {$310.00} ) and declined the 2nd for ( {$370.00} ). The same day I spoke with Chime and they initiated a dispute. Over the next several weeks I awaited call backs from several escalations I had requested due to Chime 's unresponsiveness. I went as far as to call XXXX who advised there was no assistance they could provide without an Order number, which is not included in the charge detail. On XX/XX/26 I wrote Chime describing the situation and never heard back. Chime then refused my request to re-open or re-examine my complaint. Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Chime XXXX XXXX Card Dispute, XXXX, Card Ending - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
They keep sending a XXXX XXXX email saying they need more time they have had 2 months I need a resolution not excuses my credit rating to open a bank account is being negatively effected I am a victim of a crime and Wells Fargo is not resolving the issue

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 2026-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I am filing this complaint against Ally Bank regarding an unexplained missing balance of {$85.00} from my emergency savings account and a total failure of the bank 's internal customer dispute process. I called Ally Bank XXXX weeks ago to report that my account balance was short by exactly {$85.00}, an amount not accounted for anywhere in my visible transaction history or statement ledger. The bank opened an internal investigation and issued me XXXX XXXX XXXX. Since that phone call, I have followed up in writing XXXX separate timeson XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ally Bank has failed to provide any substantive updates, giving me generic, boilerplate " runaround '' responses while continuing to withhold my funds without explanation. Because the bank has failed to conduct a timely investigation or provide a clear XXXX XXXX of where my money went, I am escalating this to the CFPB.

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 2026-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: NJ

Complaint narrative:
I received a call from XXXX XXXX at Lockhart Morris Montgomery, a debt collection company, stating that they are collecting a bill from XXXX XXXX XXXX for treatment that occurred in 2021. I was treated at XXXX XXXX XXXX, and everything has already been settled with the hospital. Additionally, under New Jersey 's XXXX XXXX Medical Debt Relief Act, I have not received anything from Lockhart Morris Montgomery providing details of any bill claiming that I owe money to XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Chronological Narrative : XX/XX/XXXX : I opened a Bank of America XXXX XXXX account in Wisconsin. I coordinated this opening directly via email with a Bank of America XXXX XXXX. The banker explicitly provided me with a corporate promotional flyer offering a {$750.00} sign-up XXXX XXXX, XXXX : I fully funded the account by depositing {$20000.00}, which met the promotions funding timeframe.Jan XX/XX/XXXX : I maintained a balance greater than or equal to {$20000.00} throughout the entire required maintenance period, fully complying with all XXXX XX/XX/XXXX : After the promotional period ended and no bonus was paid, I contacted customer service. An internal review determined that the {$750.00} promotion " was not attached '' to my account profile backend.The Problem : Frontline phone representatives can not solve this live and keep sending me in circles because they lack the system access to override a missing promo code. Furthermore, the assigned local business banker has completely ignored my recent follow-up emails regarding his own account enrollment error.A consumer has XXXX control over internal IT tracking or tracking code errors on Bank of America XXXX XXXX. Denying an advertised contract due to an internal administrative mistake constitutes a deceptive business practice under Wisconsin XXXX XXXX Resolution : I request that Bank of America XXXX XXXX Consumer Relations team bypass the standard frontline denials, conduct a promotional exception review, examine my attached email evidence, and manually credit my active business account the promised {$750.00} promotion 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