vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Company Name : Select Portfolio Servicing , Inc. ( SPS ) Product : Mortgage Issue : Trouble during payment process / Struggling to pay mortgage ( Loss Mitigation ) Complaint Description : I am XXXX XXXX, and I am filing this complaint against Select Portfolio Servicing ( SPS ) regarding two properties : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Loan No. XXXX ) and XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ). 

I have been attempting to obtain mortgage assistance for both loans. However, SPS is systematically preventing my applications from being deemed " complete '' through a cycle of conflicting and contradictory instructions. 

The pattern of abuse is as follows : I am requested to provide specific documentation. 

I provide the documentation exactly as instructed by an SPS agent.

A different agent then informs me the document is incorrect and gives new, contradictory guidance.

When I follow the new guidance, the next agent reverts to the original requirement or identifies a new " error. '' This " run-around '' has led to repeated denials for incompleteness, forcing me to restart the application process while the foreclosure clock continues to tick. This is a clear violation of RESPA ( 12 CFR 1024.41 ), which requires servicers to exercise reasonable diligence in obtaining a complete application. By providing conflicting instructions, SPS is obstructing my right to a full evaluation for loss mitigation options.

I have already sent a formal Notice of Error ( NOE ) to the company on XX/XX/year>. I am requesting that the CFPB intervene to ensure SPS : Ceases foreclosure activity immediately while this is investigated. 

Consolidates my files under a single point of contact who can provide consistent, lawful instructions. 

Reviews my applications for all available loss mitigation options as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XXXX XXXX early XXXXXXXX XXXX I discovered that a VyStar checking account ( ending XXXX ) had been reported negatively to the credit bureaus due to a small overdraft balance of approximately {$44.00}. I was not previously aware of this overdraft. Once I became aware of the issue, I paid the balance in full immediately, and the account now reflects a {$0.00} balance. 

After payment, I disputed the credit reporting and requested validation and correction, as this was a non-credit checking account and not a loan, credit card, or line of credit. VyStar responded in writing, stating that the account is reported as a paid charge-off and that no changes would be made because the information is considered accurate under their interpretation of the Fair Credit Reporting Act ( FCRA ). 

My concern is not the balance accuracy but the classification. A checking account overdraft should not be reported as a charge-off, which is a credit-specific designation. Continued reporting in this manner has caused significant and disproportionate credit harm despite the account being fully resolved. I am requesting correction or removal of this tradeline to accurately reflect a resolved non-credit deposit account.

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 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I found a Inaccurate item on my credit report from Portfolio Recovery XXXXXXXX XXXX. I contacted the furnisher, received no verifiable response, I am requesting a full investigation under the FCRA and removed the unverifiable item. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Complaint Against : Collector : Caine & Weiner Creditor : XXXX I am disputing an alleged {$20000.00} debt being collected by Caine & Weiner on behalf of XXXX. The debt is not valid and is not supported by the governing contract. 

Our original agreement was a XXXX XXXX XXXX Purchase Agreement for the sale of energy only. The solar system failed to produce energy for more than XXXX months due to seller fault, and XXXX did not reimburse us for the resulting utility costs. We requested removal of the system, which XXXX refused. 

XXXX later disconnected the system for nonpayment and subsequently contacted us requesting that service be restarted. At that time, XXXX wiped the account balance to {$0.00}. We have statements reflecting a XXXX balance. 

Despite this, XXXX has now placed a {$20000.00} alleged debt with a collection agency without providing any contractual basis, default notices, termination documentation, or a Default Payment calculation as required by the contract. 

We have formally disputed the debt and requested validation. Continued collection attempts without proper documentation appear to violate federal and state consumer protection laws. 

I am requesting regulatory review, investigation, and enforcement as appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Reason for Deletion : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within 30 days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information please contact me at :

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been a personal and business account owner with TD bank since XXXX. 
I have applied for business loans I. The past denied. 
In XX/XX/XXXX I applied for a personal loan and an auto loan on two separate occasions. I was denied assistance on both applications. I was never provided an explanation as to why I was not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I believe I was the victim of fraud. A check was deposited into my account and that check was returned. During this time I was trying to investigate what was going on with my account. 

I called Huntington Bank to advise them and then was told to open a new account which I did. I was also told that they were going to possibly close my accounts as they had the right. I said I reported it to you. The person in the fraud department on XX/XX/XXXX said on the XXXX go to a branch and they will help you keep your accounts open and figure out what disputes or complaints needed to be done. 

I went to the XXXX XXXX branch on the XXXX and was told that there was nothing I could do because all my accounts ( 4 ) were closed. I said my Social Security check may come here. She said dont worry about it because the bank will return it. I said how do I figure out if I owe the bank any money and how do I get my accounts back open? She said special services and fraud department will help me figure that part out and then when its fixed I need to make an appointment with her to write a letter to ask them to reopen my accounts and state how important my relationship with Huntington Bank is to me. 

I called the phone bank to ask for special services and about my Social Security check. I was told that there was a lock on my account for incoming and outgoing ACH payments and on my debit cards. Then she said my accounts are not closed they are basically locked. She also said that the bank would return my Social Security check to Social Security. 

Im locked out of online banking. But I received a text that they processed my Social Security check. I have to pay rent by the XXXX or I will be filed upon and pay 8 % fee plus filing fees. 

How can they hold my Social Security check when I have not been able to present the situation or tell them what happened. I am not sure what needs to be filed or if I will end up owing any money. I do know that they charged two {$15.00} overdraft fees but the timing of when money was spent versus when the check was returned should lead to {$0.00} overdraft fees. 

Why is it so difficult to get an answer, is my account open or closed? How do I report something suspicious in my account before the bank notices and then they close my accounts even those not affected and lock me out of online banking so I cant watch my account. Why am I being told that they will return my Social Security check but they did not? I was actually asked to hold the last time I called so she could verify that information. Again Im told I need to go into the branch so we can figure out what has happened. 

I told them I already took a XXXX  there and was told that they couldnt help me. She said that I could go to a different branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint against TransUnion for failing to remove a closed account that resulted from identity theft, despite being properly notified and provided with supporting documentation. 
I previously disputed this account with TransUnion and informed them that it was the result of identity theft. I submitted an identity theft report and supporting documents as required under the Fair Credit Reporting Act ( FCRA ), including proof of my identity. TransUnion acknowledged receipt of my dispute but has failed to remove the fraudulent account from my credit report. 
Under the FCRA ( 15 U.S.C. - 1681c-2 ), consumer reporting agencies are required to block information resulting from identity theft within XXXX business days of receiving a valid identity theft report. TransUnions continued reporting of this account is inaccurate, harmful, and a violation of federal law.

This account does not belong to me, I did not open it, and I am not responsible for it. TransUnions failure to remove it has negatively impacted my credit profile.

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 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I logged into my paypal and only found that they have permanently closed my account.And that the decision is final and that they can not tell me why even though I did nothing fraudulent, or anything different.That i've been doing for the past XXXX or so years, they just all of a sudden, decided to close it.And not tell me why. They said it may not even be something that I did wrong but that they just made a decision that would protect other consumers. And that I'm no longer allowed to, like, even open a new account. And I have a PayPal credit card that I just got. And now I can't even use that or use the app or the online website to make payments.To my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
TICES - RETROACTIVE SPENDING LIMIT ASSIGNMENT I am filing this complaint against American Express for deceptive and unfair credit practices involving the retroactive assignment of preset spending limits below existing account balances. 
BACKGROUND : I hold an American Express XXXX XXXX ( ending XXXX ) and XX/XX/XXXX Card ( ending XXXX ). These premium cards were marketed with 'no preset spending limit ' - a key feature justifying their high annual fees ( {$690.00} for XXXX, {$250.00} for XXXX ). 
THE PROBLEM : In XX/XX/XXXX, American Express retroactively assigned a {$3600.00} 'preset spending limit ' to my XX/XX/XXXX Card. At the time of assignment, my existing balance was {$4600.00}. This means : The limit was set {$1000.00} BELOW my existing balance I was INSTANTLY over-limit through no action of my own It was mathematically impossible to avoid this over-limit status All new transactions are now being declined EVIDENCE OF DECEPTION : XXXX. XX/XX/XXXX statement : NO mention of any spending limit XXXX. XX/XX/XXXX statement : First appearance of 'preset spending limit is {$3600.00}. You have spent {$4600.00} ' XXXX. No advance notice was provided before this limit was imposed CURRENT STATUS ( XX/XX/XXXX ) : Total Balance : {$3600.00} Spending Limit : {$3600.00} Available to Spend : NEGATIVE {$38.00} Card is effectively frozen for all new transactions DAMAGES : Total Fees in XXXX : {$770.00} Total Interest in XXXX : {$310.00} Total documented damages : {$1000.00} Plus : Lost statement credits from declined subscription renewals ( amount TBD ) REQUESTED RESOLUTION : XXXX. Remove the retroactively-assigned preset spending limit XXXX. Refund all fees and interest charged as a result of this practice ( {$1000.00} ) XXXX. Provide written explanation of why limit was set below existing balance XXXX. Restore statement credits for any declined benefit transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
I am submitting this letter to show several mishandled, unresolved complaints regarding my XXXX  Gear Up credit card. Despite prior CFPB complaints, XXXX  continues to mishandle my account and provide quality customer service. I previously requested information regarding their policies, but they continue to ignore my concerns and provide little to no information.

Improper Verification and Refusal to Assist I contacted FNBO and was required to use cell phone verification at a time when my phone was not functioning. Representatives refused to continue the call, refused supervisor escalation, and improperly handled the situation. I have no control over technology. However, XXXX subsequently called my cell phone while I was actively on a verified call using my home phone. After speaking with me, I was still refused service. I was later informed via email this should not have occurred and that I was already verified, demonstrating internal control failures.

Unauthorized Withdrawals and Autopay Misrepresentation FNBO bank withdrew funds from my bank account without authorizati
on, claiming enrollment in autopay. My bank confirmed I was not enrolled in autopay. FNBO has never provided documentation or explanation justifying the withdrawal.

Autopay Errors and Overdraft Harm C
urrent concern-when I contacted FNBO to verify autopay accuracy and remove a bank account I was closing, FNBO made an error that caused two overdrafts totaling {$62.00}. I was assured this would be corrected. It has not been resolved ; despite the phone call I received stating it would be fixed.

Improper Fees, Failure to Credit Funds, and Card Decline Current concerns-While FNBO still owed me {$62.00}, I was charged a {$25.00} fee after stopping a payment after speaking to the representative who contacted me about the credit. I contacted FNBO online a few days ago and received no response as of now. Additionally, my credit card was declined at a XXXX  dealership despite having no credit balance, with no explanation provided. I was purchasing four tires for my truck!

Unresolved Large Withdrawal FNBO does not have the right to tell me I was on autopay, when I was not. I would like proof of that statement. Again, Michigan First did not show auto pay. This remains unresolved and undocumented.

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 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX, XXXX  PayPal permanently terminated my long-standing account based on alleged violations of undisclosed third-party policies not contained in the PayPal User Agreement or Acceptable Use Policy and not available for consumer review. I was given no meaningful notice, no opportunity to clarify my conduct, and no explanation of how lawful product testing rebates suddenly rendered my account risky after more than 16 years of responsible use. 

This action is unfair and arbitrary, deprives consumers of fair notice, and undermines reliance on PayPals published terms. 

My account was suspended without due process. I spoke with a PayPal representative, XXXX, who stated my account was tagged for fraud but provided no specifics. A subsequent general agent also refused to explain the alleged violation or confirm the fraud label. My account is not used for fraudulent or illegal activities. 

I believe the issue stems from a seller dispute involving a {$110.00} rebate. The seller paid me on XX/XX/year>, then filed a chargeback on XX/XX/XXXX claiming the payment was unauthorized. I immediately asked PayPal to refund the seller and close the dispute. PayPal instructed me not to take action while the dispute was pending. The seller later acknowledged his error and resent the payment on XX/XX/year>. 

I use my PayPal account for personal payments and legitimate product testing rebates after completing required testing and surveys. This activity is lawful and longstanding. 

PayPal admitted the alleged violation is not in its User Agreement or Acceptable Use Policy but instead relies on a third-party agreement that is undisclosed and was not provided to me. My account was suspended without an opportunity to respond or provide documentation. 

I respectfully request PayPal reinstate my account. PayPal can not require compliance with undisclosed third-party policies while denying consumers transparency and due process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 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: FL

Complaint narrative:
My servicer is MOHELA and they have really been unclear and suspicious as to my payment schedule. I submitted my XXXX tax return earlier this year ( XXXX ) and repayments were to restart in XX/XX/XXXX. Repayments were to be $ XXXX. They then put my loans back in forbearance without my consent. They sent me a new repayment schedule in the middle of XXXX and put my payment at $ XXXX. I resubmitted my XXXX tax return twice, as well as reapplied to a payment plan. I submitted complaints on both the Mohela and XXXX websites ( XX/XX/XXXX ) without any follow up from them. I received an email that there is a processing delay of XXXX  days, but the payment is still due. Based on my income from XXXX, my payments should not be that high. I can not get in touch with anyone over the phone to discuss.

Company response to consumer: Untimely response