vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Against Resurgent Capital Services, L.P. and LVNV Funding LLC Attempted Collection of Time-Barred Debt To Whom It May Concern, I am submitting this formal complaint against Resurgent Capital Services XXXX L.P., acting on behalf of LVNV Funding LLC XXXX regarding improper and misleading debt collection activity involving accounts that are time-barred and legally unenforceable. 
On or about XX/XX/XXXX, I received written communications from Resurgent Capital Services attempting to collect alleged debts originally associated with XXXX XXXX Bank, XXXX. and XXXX XXXX Bank, XXXX. These letters explicitly state that, due to the age of the debts, LVNV Funding LLC can not sue me and can not report the accounts to any credit reporting agency. Despite this admission, the letters continue to solicit payment and encourage response. 
The alleged debts date back to XXXX, well beyond the applicable statute of limitations. Any continued attempt to collect these debtsparticularly where the collector acknowledges the debts are time-barredcreates a misleading impression regarding my legal obligation to pay and is deceptive in nature. 
I believe the conduct of Resurgent Capital Services and LVNV Funding LLC constitutes violations of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : XXXX U.S.C. XXXX False, deceptive, or misleading representations XXXX U.S.C. XXXX Improper validation and continued collection activity XXXX U.S.C. XXXX ( c ) Failure to cease communication upon notice Additionally, any attempt to report or re-report these accounts to a consumer reporting agency would constitute a violation of the Fair Credit Reporting Act ( FCRA ). 
I am requesting the XXXX assistance to ensure the following : Immediate cessation of all collection communications related to these time-barred accounts Written confirmation that neither Resurgent Capital Services nor LVNV Funding LLC will attempt to report or re-report these accounts to any consumer reporting agency Assurance that my consumer rights are fully respected going forward I am prepared to provide copies of the collection letters and any additional documentation upon request. 
Thank you for your attention to this matter and for your assistance in protecting consumers from improper debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The original debtor is XXXX XXXX ; Midland Credit now has this debt. It is from an account that was fraudulently opened in XXXX of 2024. I tried to rectify this issue with XXXX XXXX but could not pass their security questions. They sent me a letter stating that it my claim was denied. On the bill the charges were done in XXXX, I don't live anywhere near XXXX and have not been that far south Florida in over 3 years. They were no help and would not explain who else I could contact about the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, Cash App withdrew {$300.00} from my account for a transaction I did not authorize. The payment was misrouted to an unknown individual, and the note field was autopopulated with information I did not enter. I attempted to cancel the payment immediately while it was still pending, but Cash App did not allow the cancellation. 

I contacted Cash App multiple times and requested a full investigation, including routing logs, identityresolution logs, notefield propagation logs, and an explanation of how the system determined the transaction was authorized. I also requested a correction to the case and a refund. Cash App did not provide the information I requested and repeatedly sent template responses that did not address the issue. 

The company has not explained why the payment was misrouted, why the note field autofilled incorrect information, or why the transaction could not be stopped while pending. Cash App has not provided any documentation showing that the transaction was authorized by me. 

I am requesting that Cash App conduct a full internal audit of this transaction, correct the case, provide the records I requested, and return the {$300.00} that was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: MOHELA
State: MI

Complaint narrative:
I filed a complaint with Federal Student Aid regarding my student payments not counting towards XXXX because of bad record keeping and inaccurate information told to me by MOHELA 's customer service representatives. They emailed me on XX/XX/year> saying that my payments would be recalculated once I recertified my employment in the new year. After recertifying and receiving confirmation that my XXXX  application was completed and processed, my payments were not recorded as qualifying payments, despite my regular payments from XXXX through XXXX AND being promised that if I paid double the amount in XXXX it would also count towards XXXX. Only XXXX of my loans accurately reflect XXXX through XXXX as having qualifying payments. The rest of my loans are all over the place - a few only showing XXXX as having a qualifying payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received a phone call to my cell phone saying I owed Washington Mutual  {$7000.00} and that the letter was sent back in XX/XX/year> of this action against me now theyre gon na take me to court and I would have to pay legal fees. They contacted My Work left the same message. They confirmed with me my Social Security number and my address. I told him I need to seek legal advice before anything could take place on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
This company knows Im represented by XXXX XXXX. XXXX XXXX dont want to stop intimidating me and harassing me as well as terrorizing and what my psychologist says is destabilizing our lives This is unacceptable. I am XXXX. They took my XXXX money and wont tell the judge or the police or my attorney. 

They just made contact with me again after they asked my attorney to settle. 

So Im flagging them for another complaint. 

One way or another theyre going to learn Im not the one to go up against anymore. 

Ive had enough of the psychological warfare and will my attorney will be forwarding this to the appropriate authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX account ending XXXX information inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: GUARANTEED RATE INC.
State: NV

Complaint narrative:
My monthly HELOC payment is {$880.00}, due on the XXXX. I have made all required payments on time since loan inception, including payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, plus additional principal curtailments totaling over {$20000.00}. All payments through at least XX/XX/XXXX are satisfied. 

On or about XX/XX/XXXX, XXXX 's system created multiple 'Misapplied Funds, ' 'Reversal, ' and 'Principal Curtailment ' entries that moved already-posted payments in and out of suspense. These appear to be internal accounting corrections, not actual missed payments. 

After these entries, my online portal began incorrectly showing 'Actual Due Date : XX/XX/XXXX ' and a false 'delinquency status ' message, preventing me from modifying autopay settings. This is incorrectmy payment history clearly shows all amounts due through XX/XX/XXXX and beyond have been paid. 

I sent a certified dispute letter to XXXX 's Mortgage Resolution Unit on XX/XX/XXXX ( XXXX tracking # XXXX ) requesting correction, but need CFPB assistance given XXXX  's documented pattern of similar payment processing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Today, I opened email and had an one from Ally Auto to " call us - you need to talk to us about your car. '' The other open complaint clearly states they mock me, will not HEAR me spell my name a multitude of times, will not HEAR me say my name like the XXXX on the phone the last time I called. The answer is : Call us so we can ignore you? How unprofessional. I need my car to continue earning money delivering meals for Door Dash. I want to pay the bill, but they ignored me when I stated the government shutdown hurt finances - not just for me - for millions of people. They ignored me, did this long call about " loan modification '', sent an email telling me to sign something. That never came. Then, days later, given another email about " modification canceled ''. I signed nothing so there was never a modification enacted. They demand money, but XXXX the account where I can not make payments. I do not know if this was fixed, have not received anything in writing in mail or email. I am not calling them because of the aforementioned - refusal to acknowledge who I am. They choose ignorance and mockery as their form of communication. They do not understand that I can file for bankruptcy, wipe out this loan and they lose any and all income from it since no one is buying cars here due to high cost of living, financial ruination, factories closing daily and layoffs daily here. They will lose in the end - not me. I will find a way to regroup. I am not their only XXXX problem and I know this. They need to work with us better than they have been. I do not want to be without income, filing bankruptcy, I want to pay the bill. I need some kind of payment plan where I can make smaller payments daily since I do gig work - can not do large amounts in XXXX swipe right now. That will change in the future. Right now, it can not happen. I want something in writing - not a threat to call them immediately. It has been proven I can not call them since their XXXX no the phone refuses to avoid mocking me or acknowledge who I am - playing games and taunting people. I refuse to subject myself to that abuse and it should be illegal for this company to be able to do that to consumers. Their email is further proof of them not willing to work with people during XXXX 's destruction of this country and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I asked to send a wire, they told me after maybe XXXX minutes in the branch I was all set. This was on XX/XX/year> around XXXX. 

I needed the money the following morning for a close as apart of a fund for buying a business. 

They told me the next day they had questions after they assured me they would of already sent my money. 

Then they said come in and they could resend it just as a personal thing, then they never sent it and charged me a fee. 

Then that night I called asking to get my limit increased so I could send via my money transfer apps such as XXXX, and then they wouldn't do that because the XXXX domestic wire department had closed and they could not verify if the funds were sent. 

Then today, Monday, XX/XX/year>, they froze my accounts and told me they could not disperse my funds. I then asked to close my account and they said I need to wait over another XXXX business days to get my funds. I had them print my contract, and my agreement with the bank says they must process this request for funds the next business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
In XXXX of XXXX I applied for a Brightway credit card and was approved. On XX/XX/XXXX an annual {$65.00} was applied to the account and a payment of {$25.00} was paid on XX/XX/XXXX. Another payment was made on XX/XX/XXXX, as well as a final payment of {$17.00} on XX/XX/XXXX. Since XX/XX/XXXX, until XX/XX/XXXX I have made XXXX calls to XXXX requesting an actual credit card that Ive never received and each time I spoke with someone stating theyve placed an order for a new card to be sent. Also twice I was told after being placed on hold for a brief moment that the supervisor had been informed. Its really frustrating because at some point another annual fee will be expected to be paid and I had never been able to change this card to warrant an annual fee. Im also concerned because if I were to cancel this account for not receiving the card it would affect my credit negatively. I dont even have access to a virtual card number, that may make it not so bad. I ask the representatives if this company was a scam because Ive never heard of this happening before and they promised it wasnt. Also, I was never given a card number I noticed each time I request a card the last XXXX numbers showing online change, so I have no account/ credit card number to include.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The original debtor is Home Depot ; XXXX XXXX now has this debt. It is from an account that was fraudulently opened in XXXX of 2024. I tried to rectify this issue with Home Depot but could not pass their security questions. They sent me a letter stating that it my claim was denied. On the bill the charges were done in XXXX, I don't live anywhere near XXXX and have not been that far south Florida in over 3 years. They were no help and would not explain who else I could contact about the 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 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am requesting a through investigation into this entry as I believe the information may be inaccurate or incomplete or reflective of my payment history. Specifically the report does not include the actual payment amount under fair act I am entitled to dispute any information that is incorrect on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: NC

Complaint narrative:
On XX/XX/2025, I canceled a hotel reservation with XXXXXXXX XXXX XXXX  ( XXXX XXXX  ) for reservation made on XX/XX/2025 well within policy. The merchant confirmed that the reservation was eligible for a refund but advised that, due to their payment processing policies, I was required to file a dispute with my bank in order for the refund to be issued back to my original debit card. 

I followed the merchants instructions and submitted a dispute through Axos Bank for the amount of {$710.00}. Axos Bank accepted the dispute and issued a confirmation number, advising that the claim was under review on XX/XX/2025. 

The transaction itself was authorized ; however, Axos Bank has failed to provide timely provisional credit or a clear written explanation regarding the status of the dispute. As of today, the funds remain unavailable to me. 

Under Regulation E ( 12 CFR 1005.11 ), when an investigation can not be completed within the required timeframe, the bank must provide provisional credit while the investigation continues. Axos Bank has not met these obligations, leaving me without access to funds that should be available during the dispute process. 

I am requesting that Axos Bank comply with Regulation E by issuing provisional credit immediately and providing documentation regarding the handling and status of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NH

Complaint narrative:
They processed a loan thats incorrect. This loan was never submitted by me and you guys arent looking into the illegal loan changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A debt buyer/debt collector attempted to collect an alleged credit-card debt originally associated with XXXX XXXX. On XX/XX/year>, the company filed a state-court collection lawsuit in XXXX XXXX XXXX seeking {$4200.00} ( plus costs/interest ). I dispute the debt and specifically dispute that the company has proven ( 1 ) it is the lawful owner with standing to collect, and ( 2 ) that the amount sought is accurate, properly itemized, and legally enforceable. 

The applicable cardholder agreement includes a mandatory arbitration clause. To enforce that contract right and to prevent being forced into court litigation, I sent a written arbitration election/demand around XX/XX/year>, filed a consumer arbitration with the XXXX XXXX XXXX XXXX XXXX ) around XX/XX/year>, and moved in court to compel arbitration. On XX/XX/year>, the court granted the motion to compel arbitration and stayed the court case. 

Despite the dispute being in XXXX XXXX ( and later being ordered into arbitration by the court ), the company continued direct collection/settlement communications outside of XXXX and used the pending court case as leverage. In those communications, the company made statements that were confusing and misleading about the status and effect of arbitration ( including statements implying arbitration was not granted yet or otherwise minimizing/undermining the arbitration process ), while simultaneously demanding payment and pushing settlement. That messaging had the practical effect of pressuring payment and discouraging the lawful exercise of my arbitration rights. 

In addition, I did not receive regular billing statements or pre-suit account documentation that would allow me to verify the balance ; instead, I first learned of the alleged amount through the lawsuit and later collection communications. The company is attempting to collect a specific dollar amount while failing to provide reliable, consumer-level documentation and a clear itemization sufficient to substantiate the amount and ownership. Maintaining litigation pressure while sending confusing and coercive collection communications appears deceptive and unfair and is the basis of my FDCPA complaint ( including concerns under 15 U.S.C. 1692e and 1692f, and related provisions ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I attempted to resolve my charged-off Capital One Savor credit card account for over a year. Capital One repeatedly told me the account was being handled by XXXX XXXX XXXX XXXX XXXX. However, XXXX XXXX XXXX told me they were unable to handle or accept payment on the account. 

During this time, I was blocked from making payment or settlement while Capital One continued to report the account as charged-off. This caused unnecessary credit damage while I was actively attempting to resolve the account. 

I am requesting that Capital One review the servicing and placement history, correct the credit reporting, and provide a reasonable settlement reflecting the period where payment was not possible due to their collection assignment error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Subject Complaint Regarding Inaccurate Charge-Off Reporting by XXXX  To Whom It May Concern, I am submitting this complaint against XXXX  XXXX XXXX XXXX XXXX regarding the continued reporting of an inaccurate and/or unverified charge-off account on my credit report. 
Despite disputing this account directly with XXXX, the charge-off remains on my credit file without proper verification as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) ( 1 ) and 1681i.

The account in question is reporting inaccurate information, including but not limited to : Incorrect account status and/or balance Failure to provide proper verification of the alleged debt Reporting information that can not be substantiated by original creditor documentation XXXX has failed to provide evidence that this account was verified using competent and reliable sources. A simple automated response or confirmation from a data furnisher does not meet the FCRAs requirement for a reasonable investigation. 
Because XXXX  has not complied with its legal obligation to ensure maximum possible accuracy, this inaccurate charge-off is causing ongoing harm to my credit profile. 
I am requesting the following resolution : Immediate deletion of the inaccurate charge-off account from my XXXX  credit report Written confirmation of the deletion once completed If XXXX  can not fully verify this account with original documentation, it must be removed in accordance with federal law. 
Thank you for your assistance in resolving this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation