vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 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: CA

Complaint narrative:
I am filing this complaint regarding an alleged rental debt being collected by XXXX XXXX XXXX XXXX ( XXXX ) on behalf of my former landlord, XXXX XXXX XXXX XXXX XXXX. At the time of move-out, the apartment was returned in a clean condition. We cleaned the unit ourselves and ensured it was left in a comparable state of cleanliness as when it was received. Under California XXXX XXXX XXXX, the landlord was required to provide a written, itemized statement of deductions along with supporting receipts within 21 days of move-out. I did not receive the required documentation within this statutory timeframe. On XX/XX/XXXX, I formally disputed the debt in writing and requested validation pursuant to 15 U.S.C. 1692g ( b ). The debt collector did not provide proper written validation and instead attempted to handle the matter verbally, which is not compliant with federal law once a written dispute has been submitted. Only after I filed a CFPB complaint did the company provide limited documentation, including a vendor invoice and an internal ledger. However, these documents reveal material inconsistencies and do not establish that the debt is valid. Specifically, the ledger reflects that damage-related charges were assessed on XX/XX/XXXX, while the vendor invoice supporting those same charges is dated XX/XX/XXXX. This indicates that the amounts were determined before any supporting invoice was received, calling into question whether the charges were based on actual incurred costs. Additionally, the company has provided no move-out inspection report, photographs, or other documentation demonstrating damage beyond ordinary wear and tear. The lease agreement limits tenant liability to cleaning and repair of tenant-caused damage, exclusive of normal wear and tear, yet no evidence has been provided to support such claims. The ledger also includes prorated painting charges based on tenancy duration rather than actual damage, which is inconsistent with California law and suggests the use of formula-based charges rather than a condition-based assessment. At no point has the company provided documentation demonstrating compliance with California Civil Code 1950.5 or proper validation under the FDCPA. As a result, the alleged debt remains disputed and unverified. Despite these deficiencies, the company continues to assert that the debt is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year> i started a international wire transfer in the amount of {$33000.00} us dollars from my account on Wells Fargo to XXXX XXXX XXXX XXXX account on XXXX XXXX. The wire transfer was rejected by XXXX XXXX XXXX and the money was returned to Wells Fargo by XXXX XXXX on XX/XX/year>, in the amount of {$33000.00} us dollars. since then i have call Wells Fargo costumer service several times asking them when I am going to get my money back having a negative snwer every time i call or visit a branch to inquiere for this 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 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: RI

Complaint narrative:
In XX/XX/XXXX, Selene Finance LP placed my loan into escrow after paying property taxes on my behalf, citing delinquent taxes and creating an escrow shortage. The timing of these tax payments raises concern, as they appear to have been made before the taxes were actually due. This suggests that the escrow shortage and resulting account changes may have been caused by premature disbursement rather than true delinquency. I subsequently requested removal of the escrow account. Selene denied this request in XX/XX/XXXX, stating that the account did not qualify due to : An escrow advance balance A late charge balance Recently paid delinquent taxes After receiving this response, I satisfied each of the conditions they identified. I paid the escrow-related balance, paid all late charges, and brought the account fully current. Once these conditions were met, I submitted a formal request for escrow removal and re-evaluation. Selene acknowledged receipt of my request and stated they would respond within XXXX days. That XXXX deadline passed on XX/XX/XXXX. As of today, I have received no response. Despite my compliance with their stated requirements : The escrow account remains active Escrow funds continue to be collected No re-evaluation or explanation has been provided Additionally, I am unable to clearly verify my escrow activity. The online system does not provide a complete or consistent transaction history, and correspondence records appear incomplete or missing. The escrow amounts displayed do not reconcile with payments made and disbursements shown, and I am unable to determine how my current escrow balance has been calculated. This situation is especially concerning because I previously experienced escrow-related issues with Selene Finance in XXXX that required formal complaints to resolve. The recurrence of similar issues raises concerns about the reliability and accuracy of servicing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year> I went the XXXX store located in XXXX, XXXX and purchased a ( XXXX XXXX XXXX shopping bag, ( XXXX ) t-shirt, ( XXXX ) XXXX XXXX with players name & number on it, ( XXXX ) XXXX XXXX w/ with name on it along with shorts and socks using my Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The total cost of the purchase was {$330.00}. During the transaction the store clerk informed me that XXXX store would pay the XXXX Tax refund which is also included on the receipt. See Attached. However, the merchant though correctly spelling my full legal name and date of birth, he incorrectly entered my passport number information on the XXXX tax refund form ( see attached ), so my claim was rejected by customs. Accurate details are required, including a valid passport number for customs validation. After attempting to contact the merchant via its preferred method of communication email to provide corrected paperwork to fix this issue, they refused. See Attached. Thus, I initiated a merchant dispute with Bank of America to recovery of my VAT tax refund, including providing them my merchant sales receipt that included the incorrect form from the merchant as evidence, but they denied my claim. See Attached. The total amount that I claim that the merchant owes me and refuses to pay is in the amount of, {$69.00} which is XXXX % of the purchase price owed to XXXX residents visiting XXXX, XXXX on purchases made. My billing error dispute of my Bank of America XXXX XXXX XXXX XXXX XXXX card concerns a matter that is known as : not as described '', service not received, non-delivery of services and/or incorrect amount regarding the tax component. Moreover, Bank of America did previously receive a copy of the sales receipt, my passport including the other documentation when i submitted my claim to them, but they still denied it on XX/XX/year> without elaboration.

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
Consumer complaint received 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This account was settled with the understanding that it would be deleted from my credit report. However, it is still reporting with negative and inaccurate payment history. I am requesting that Capital One honor the agreement and remove this account from all credit reporting agencies immediately, or provide documentation proving the accuracy of the reported history. I also request written confirmation of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, during Florida State of Emergency XXXX, I requested a Loan Deferral from Affirm for my balance of {$2200.00} due to disaster hardship. Affirm agent XXXX XXXX confirmed approval in writing stating : " Yes you are correct. '' The agent then promised : " Please don't worry I will take care of it '' and closed the chat without sending the required written deferral agreement. When I requested written confirmation and supervisor escalation, the agent replied " How are you doing? '' and terminated the chat. I was transferred 4 times in 20 minutes. Agent instructed me to " initiate email from your end '' to receive help, after already approving the deferral. Affirm never provided the promised deferral agreement. Within 3 days, Affirm reported the account to collections during the active State of Emergency, violating Florida Statute 252. I sent a formal Cease and Desist demanding halt of adverse reporting. Affirm ignored it and continued negative credit reporting. Violations committed : 1. UDAAP 15 USC 5531 - Unfair, deceptive acts : false promise of approved deferral 2. FDCPA 1692e - False representation of debt status 3. FDCPA 1692d - Harassment through mockery and chat termination 4. FCRA - Inaccurate reporting of debt status 5. Florida Statute 252 - Adverse action during declared emergency Evidence : 5 screenshots showing written admission of approval, false promise to provide agreement, customer service mockery, evasion of supervisor, and bad faith denial of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I feel violated and this is causing emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: OH

Complaint narrative:
My bank card was used on someone elses account. With that being said I had over XXXX dollars worth of unauthorized charges on my account. I never received a security alert stating my card was used. I disputed 4 times and all claims has been denied with supporting documents stating those charges were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
* * * I attempted to conduct online research to resolve this described below and did not feel comfortable creating an account with a third-party Resurgent and providing personal information over the phone or on an unknown third-party site. * * * On XX/XX/XXXX and XX/XX/year>, I received two fraudulent text messages purported to be from XXXX XXXX XXXX XXXX ( debt collector ). Your XXXX XXXX XXXX balance needs attention. A hyperlink was associated and that hyperlink led to a portal with XXXX XXXX XXXX XXXX company header and footer with phone number, address and email with a balance of {$27000.00} reference number XXXX. I dispute these claims as fraud and harassment. * The name associated with the account is not mine. * I have never owned an account with XXXX XXXX XXXX, nor have I ever given permission to conduct financial business with XXXX XXXX XXXX to access my personal information. I have never heard of this institution prior to this. * I have never had any financial business with LVNV Funding LLC or have ever given permission to conduct financial business with LVNV Funding LLC to access my personal information. I have never given permission for these entiities to utilize my cellular phone number. * I have active credit freezes with XXXX, XXXX and XXXX XXXX for over a decade and don't want any erroneous or frivolous credit discrepancies. This matter has caused undue stress to myself as this can adversely effect my occupation. I have received numerous erroneous phone calls and text messages purported to be from XXXX XXXX XXXX XXXX. LVNV Funding LLC is listed as the current creditor. I dispute these claims, phone calls and text messages as fraud and harassment. All the listings on my credit reports are bonified and legitimate. My cellular phone number has been used in error or by fraudulent means.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX, I requested Barclays to change my payment due date that is due on the XXXX of the month to the XXXX of the month beginning XXXX. On XX/XX/XXXX, I made my XXXX payment, so my next payment should be XX/XX/XXXX, but Barclays is demanding another XXXX payment on XX/XX/XXXX. I tried to resolve this issue with Barclays, but they refuse to recognize my XXXX payment made on XX/XX/XXXX, and insist that I make another XXXX payment on XX/XX/XXXX. I'm requesting that Barclays change my next payment due date to XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
XXXX Is my mortgage number Beginning around XX/XX/year>, I made multiple attemptsthrough several different representativesto initiate and complete a short sale. Despite my consistent efforts and cooperation, the process ultimately failed due to your companys inability to complete the necessary steps on your end. As a direct result, the prospective buyer withdrew from the transaction. Following that, around XX/XX/year>, I pursued a deed in lieu of foreclosurey. Since then, I have submitted multiple requests and have repeatedly followed up. Unfortunately, I have encountered significant issues throughout this process, including inconsistent information, conflicting guidance, and, at times, statements from representatives that have proven to be inaccurate. Each interaction has resulted in different answers, with no clear direction or progress made. At this point, despite my continued efforts, there has been no meaningful traction toward resolving my situation. I am now facing the imminent risk of foreclosure, which is extremely concerning given my proactive attempts to work with your organization over the past year.

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 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I formally challenge the hard inquiry shown on my credit report, as I did not authorize it and request an investigation and correction.

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 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am submitting a complaint regarding my mortgage servicers failure to provide a clear and complete accounting of my loan balance and their repeated refusal to provide requested loan information. My mortgage originated in XXXX with an original principal balance of apprximately {$160000.00}. After 21 years of payments, the payoff balance remained approximately {$140000.00} in XX/XX/XXXX, a principal reduction of only around {$20000.00} after 21 years. This raised concerns regarding the application of payments, capitalization of fees, and overall loan servicing accuracy. I submitted a written Request for Information requesting a complete life-of-loan accounting, payment history, explanation of my current balance, and documentation supporting fees assessed to my account. The servicer acknowledged receipt of my request but responded by providing large volumes of raw transaction data and documents without a clear, reconciled explanation of how my balance was calculated. The response also indicated that certain information could be withheld due to undue burden or not in their possession. They instead provided large amounts of raw data and not a meaningful explanation respond to my request or an explanation. These responses and repeated refusal to discuss my account directly with me and provide the requested information are inconsistent with my understanding of my rights as a borrower to obtain loan servicing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Greetings, I've checked several websites such as XXXX and XXXX and noticed that my personal information has been breach/compromised. I called all three companies and was told that the debts were paid off. After reviewing my 3 credit reports I noticed that the 3 debts listed below were listed as Factoring Company Accounts. XXXX XXXX : {$11000.00} XX/XX/year> XXXX XXXX : {$14000.00} XX/XX/year> XXXX XXXX : {$4200.00} XX/XX/year> At this time, I'm requesting that the 3 accounts listed above be removed from my credit report and any other negative information as well. In accordance to 15 U.S. Code 1681 b ( 2 ) and FCRA section 605B. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have already submitted a complaint to the Consumer Financial Protection Bureau regarding Capital One. Despite this, the company continues to fail to provide a consistent or reasonable payment arrangement and has not resolved my hardship concerns. Capital One is also reporting consumer disputes in a manner that is negatively impacting my credit profile. Under the Fair Credit Reporting Act, I have the right to accurate, complete, and non-misleading reporting. Repeatedly coding my account in a way that lowers my score without resolving the underlying issue raises serious compliance concerns. I am requesting immediate corrective action, including : Removal or correction of misleading dispute notations A clear, written payment resolution option A documented review of prior servicing failures If this matter is not promptly resolved, I will pursue additional complaints with state regulators and consider legal remedies. Cards ending in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
The merchant defaulted on XX/XX/XXXX. PayPal has refused to close the case and is preventing me from canceling Autopay on a voided debt. I am unemployed and a ten-year customer who has already paid other loans months in advance. I expect the immediate cancellation of this loan, a full refund of all installments, and a {$50.00} credit for the out-of-pocket waste ( fuel and tape ) caused by PayPal 's negligence. I've been jumping through their hoops for the last month. I contacted XXXX support, they didn't want to help. So I filed a dispute with PayPal, who XXXX me around for a month straight. Now it's been 80+ hours since the seller defaulted and PayPal is STILL taking my money. I've contacted their support 3 separate times for them to put me on hold and stall until money was withdrawn from my account on a voided loan. I'm done playing their games. Originally I just wanted my money back, but no. Now I want to be reimbursed for the fuel I wasted at {$4.00} a gallon when I tried returning it in store to get denied as well as the {$5.00} I spent on a roll of tape so I could attempt to ship it back. Oh, but XXXX sent me the wrong address so I couldn't do that. Now, here we are. I emailed the executive office and they're still sitting on their thumbs and MY MONEY. I'm unemployed yet this company, which I have a {$980.00} loan with that I paid {$170.00} on 5 months ahead of time, wants to continue to take. This will be the 3rd time now that I have escalated the case to a higher power. First XXXX, then PayPal, and now you. Seems to me that they're going to stall even more until the final payment is taken from my account in two weeks. I tried returning this broken microphone in store exactly a month ago. If I decided not to pay on my loan, they'd swoop in to charge me interest just as fast as they stole my money at XXXX this XXXX. Yet, somehow, they refuse to appease a 10 year customer who, originally, just wanted their money back. No, now I want to be reimbursed for the financial and mental strain that this has caused an unemployed individual. I've also uploaded the exact chat where their agent XXXX stalled just so they could take that money from my account this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Orion Capital Solutions LLC
State: FL

Complaint narrative:
They keep calling all over the place. Trying to get my location from random family members. Constantly calling anyone with my last name.

Company response to consumer: Closed with explanation