vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CT

Complaint narrative:
On XX/XX/year>, I was charged {$140.00} by XXXX XXXX for a subscription I had already canceled. The charge appeared on my account without prior notice. 

On XX/XX/year>, I contacted the companys customer support through email and again by phone on XX/XX/year>. I was told the issue would be reviewed, but no refund or follow-up has been provided. 

As of XX/XX/year>, the charge remains on my account and the issue has not been resolved. I am requesting a refund of the incorrect charge and confirmation that the subscription is fully canceled.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
On XX/XX/year> I, XXXX XXXX SS XXXX XXXXXXXX, made a mobile deposit of {$240.00} into my SoFi bank account XXXX XXXXXXXX. As I right this on XX/XX/XXXX, I still have XXXX access to the funds. SoFis website reports that the hold will end on XX/XX/XXXX. The check was authorized by XXXX XXXX. A well known company with an account obviously able to fund the check. An 11 day hold for this amount from this company is beyond reason and common sense. If its not a violation it clearly should be. I have called and texted with a help agent online. When I have been referred to someone with authority to explain the specific reasons for the extreme hold, all supervisors declined to answer the phone or call back. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
After many daily attempting to contact this company Javitch Block LLC without success, I was finally contacted today. 

During that conversation, we verbally agreed to a settlement amount of {$2900.00}. Before making any payment, I requested written confirmation of the agreed amount in order to maintain a proper paper trail. Despite requesting this multiple times, the company refused to provide the agreement in writing ( saying they dont do that ) and instead directed me to make payment through their website ( which still reflects the full amount, not settle amount ) .I was told once payment is made, Ill get a letter showing it was pay off.

I do not feel comfortable making a payment based solely on a verbal agreement without written confirmation. As a consumer I should have the right to receive a writing confirmation proving the terms of our verbal agreement. 
Additionally, after reviewing the companys online reviews, I found multiple consumer complaints describing similar situations in which payments were made without written confirmation and accounts were allegedly not properly settled. 

I am willing to pay the agreed amount of {$2900.00} ; however, I believe it is reasonable and standard to receive written confirmation before submitting payment. 
This complaint is submitted due to the companys refusal to provide documentation of the verbal agreement. 
Also, I checked their XXXX reviews and it looks like they tend to do a verbal agreement or payment plan and then they stop answering calls and emails and sue you again for the same initial amount saying people are not paying anything. Also, they are adding interest to the debt making it impossible for people to actually pay it off.

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 2026-02-04 00:00:00
Product: Mortgage — VA 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: Rocket Mortgage, LLC
State: MS

Complaint narrative:
My ex husband and I own our house together. We are both in the deed as tenants in interest with right of survivorship, which makes me sole owner after his death on XXXX of XXXX. Now I have a buyer and a signed purchase agreement closing to be XX/XX/XXXX. The mortgage company will not communicate with me unless i give them a death certificate. I can not get XXXX because he died in the sate of Louisiana and they are a closed document state. I have exhausted everything I can do. I have provide the with a signed, by the coroner, a death notice letter which states it is a legal document of death notification. Starting in XXXX I have been asking XXXXRocket Mortgage to assign me as successor in interest. They refuse to accept the notice I provided and now have put my home in foreclosure. Please help me. I have to funds to pay them but they wont talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC
State: WA

Complaint narrative:
Credit inquiries on your report that you don't recognize, improper use of my report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: OH

Complaint narrative:
My account XXXX XXXXXXXX My SSN : XXXX The origination date : XXXX Company Number Ph : XXXX My Line of Credit is {$1500.00} and my balance is {$1600.00} My monthly payment is {$330.00} and only {$46.00} went towards the principal and the amount owed continues to go up. I have an open XXXX XXXXXXXX Bankruptcy and I receive disability due to mental and physical health. I can not afford the loan, and they will not work with me to reduce the rate to pay the loan down. Can you help me, because I'm in a bad situation and I can not afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
This complaint concerns debt servicing and verification failures, not medical treatment or provider services. I selected a payment plan at XXXX XXXX of sale but did not receive a copy of the XXXX XXXX XXXX or required disclosures at that time. I only received these documents after making repeated written requests. 
Since then, I have requested basic servicing documentation necessary to verify the accuracy of the account, including : identification of the custodian of the electronic-signature XXXX XXXX ; proof of delivery of the consumer copy at the time of signing ; a written ledger reconciliation explaining assessed service fees ; and ACH trace details and return codes for disputed debits. 
Healthcare Finance Direct ( XXXX ) has repeatedly redirected me to the merchant for these records while simultaneously enforcing payment, assessing fees, and permitting third-party collection contact. The merchant, in turn, directs me back to XXXX for loan-servicing matters. 
As a result, the consumer is left without access to the foundational records relied upon to enforce the obligation, while payment demands and fee assessments continue. 
I am not refusing payment. I am requesting documentation transparency and reconciliation so that payments can be made accurately and with confidence. 
My request is for : clear identification of the custodian of execution records ; a written reconciliation of the account and all fees assessed ; and suspension of fee accrual during an active dispute and documentation review. 
This complaint concerns loan servicing transparency and accountability, not medical or treatment records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Ascent Holding Co
State: HI

Complaint narrative:
The lender is continuing collection activity and credit reporting while acknowledging in writing that borrower remedies related to a school closure are under legal review. My co-signer has been contacted by phone and pressured to pay despite the unresolved dispute. I am requesting suspension of collection and removal or suppression of credit reporting pending resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: CT

Complaint narrative:
Says i owe {$79.00}! and {$10.00} owed immediately. I checked my publishers clearing house and account and no order history or money owed. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Identity stolen and was scammed and receive scam letters alot. I checked all my emails, account and information. I had zero balance when I checked. Reference XXXX. I am disputing all debt. They were considered fraudulent anyways. Everything should have been written off. I received money back from settlement for this amount. I am not paying it back settlement. I disputing this debt and claim against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Ability Recovery Services concerning an alleged collection account originating from XXXX XXXX XXXX XXXX in the amount of {$1700.00}.

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 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Sent dispute letter on XX/XX/XXXX Proof of sent letter attached Sending final letter on XX/XX/XXXX Portfolio Recovery Associates ( PRA ) is reporting a judgment on my credit report. While they provided a copy of a judgment, they have failed to provide the Chain of Title or Bill of Sale proving they purchased this specific debt from the original creditor. Despite my formal request for proof of ownership, they only provided billing statements. Reporting a judgment without proving legal standing to own the debt violates the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
This is in regards to the previous complaint # XXXX that I would like to add more details & evidence. I was able to access my XXXX XXXX account directly and confirmed that the loan in question is paid in full. Despite this, a different agency ( Aidvantage ) has been charging me by autopay for several years without my knowledge or authorization. I do not understand how this agency obtained my banking information and personal identifying information, including my Social Security number, while simultaneously claiming to lack records of the payments I made over the years or the final confirmation that the loan was paid in full. 

I did not authorize this agency to debit my account or collect payments after the loan was satisfied. The fact that they were able to access my personal and financial information, yet failed to maintain or recognize accurate payoff records, raises serious concerns regarding improper data handling, unauthorized billing, and record-keeping failures during the servicing transfer. 

I never authorized this agency to collect payments or debit my account, and I did not consent to any servicing or collection activity after the loan was paid in full. These charges occurred after the loan had already been satisfied and appear to be unauthorized and improper. 

I also recall canceling automatic payments through my bank after noticing charges from an unfamiliar agency that I did not recognize. At the time, I believed these charges could be fraudulent, as I had no knowledge of any remaining loan balance and had not been clearly informed of any legitimate servicing transfer. 

As of today, I just learned that this agency claimed to be a transferred servicer ; however, this was not properly disclosed to me, and I was never provided clear notice or documentation explaining why payments were being taken on a loan that had already been paid in full. 

When I contacted the company, I was unable to obtain a clear explanation of how these charges occurred, and my request to speak with a supervisor was denied. This raises serious concerns regarding unauthorized billing, improper servicing transfer, and failure to maintain accurate records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
on XX/XX/year> we received our XXXX bill. The bill reflected an interest charge of {$5.00} even though we paid our balance in full 7 days prior to the due date. 

First call I made, the agent put me on hold for XXXX minutes, then left for the day. I immediately received a message while still on the call that they closed for the day. 

I called back again through the IVR making selections for a manager until someone answered. 
When an agent answered from somewhere remote, sounded like outside with a dog barking, the man informed me that I must not be aware that they ( XXXXSynchrony Bank ) changed their terms. He claims that since I only paid {$500.00} of my bill in XXXX, they charged me interest on my XXXX bill even though I paid the full {$430.00} 7 days before the due date. 
They now have 6 different methods in the fine print on how they calculate interest to intentionally confuse and deceive customers for profit. Unacceptable business practices!

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 2026-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TX

Complaint narrative:
First of all, XXXX XXXX was paid by our insurance. Second, this company says that I am a guarantor for medical services but I am not. I was not able to be at the ER with XXXX, my husband was there the entire time. I had to stay at the hotel with my XXXX XXXX XXXX son. I could not get a ride to the hospital because my husband had taken our only vehicle, the hotel shuttle service would not drive me without a car seat for my XXXX XXXX XXXX son. I broke down crying on the phone many times on the phone with the shuttle service begging them for a ride to the hospital to see my XXXX XXXX XXXX son who had had a XXXX, but they stuck to their policy. I will subpoena every one of those employees for the lawsuit that is coming. I was not there to be possibly be a guarantor. I have no idea how they got my information. Please see the attached, XXXX XXXX has no record of me being a guarantor in their system. I could not have signed any form. I am also attaching my signature for reference. I believe they just googled my husband or family or something and then XXXX XXXX saw that there was no form so the nurses signed it after my son and husband were discharged. I am also requesting the name and personnel file of the XXXX XXXX employee that signed as a " witness ''. I will be issuing a subpoena for them as well and will depose them. Given the circumstances and XXXX 's extremely weak case, I sent a more than fair settlement check of 10 % of the bogus, alleged balance just to be done and settle this outside of litigation but XXXX refused. This is all particularly harassing and intentional infliction of emotional distress considering that, again, XXXX was already paid for these medical services by our insurance.

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 2026-02-05 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: IL

Complaint narrative:
XX/XX/XXXX, XXXX a direct deposit ( 1, {$11000.00} and 2. Complicated but totalling {$41000.00} ) was made from my BofA credit cards to an account # ( which I do have. BofA gave it to me ) XXXX, I made XXXX fraud claims in regards to this. BofA, without documentation of a signature ect has denied it. The XXXX fraud claim was the one that held a document of the account # they went to. I was told, in writing from BofA that I was possibly linked to that Truist Account, which from the call I made to XXXX Bank, I have no record there. There is no documentation in writing of my ok, or signature for any direct deposit authorization for illegal deposit. If someone is needing the account of the person who has the money from my XXXX credit cards, please feel free to contact me and Ill gladly give it. 
I want this prosecuted to the fullest since it was a federal crime over state lines and I want my cards reinstated instead of closed by BofA. 
I have never been late on ANY payments and then this happens.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc.
State: AK

Complaint narrative:
CEASE AND DESIST / DEBT DISPUTE NOTICE Pursuant to 15 U.S.C. 1692c Date : XXXX XX/XX/year> To : HP Sears ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX RE : Account Number : XXXX FORMAL CEASE AND DESIST & DISPUTE NOTICE This letter serves as formal written notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, that I dispute the validity of the above-referenced debt and demand that all communications regarding this alleged account cease immediately.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they wish to cease further communication, the collector must stop all communication, except to advise that collection efforts are terminated or that specific legal remedies may be pursued.

NOTICE OF DISPUTE I dispute this debt in its entirety. I have not been provided with proper validation proving : The legal ownership of this debt The accuracy of the amount claimed That you have the authority to collect on this account Until such validation is provided, any continued collection activity is unlawful. 

DEMANDS You are hereby directed to : Cease and desist all communication with me immediately Stop all collection activity on this account Refrain from reporting or delete any existing reporting to consumer reporting agencies while the account is disputed Provide written confirmation that this request has been honored NOTICE OF INTENT Failure to comply with this notice may result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) Complaints to the Federal Trade Commission ( FTC ) and State Attorney General Consideration of civil remedies for violations of federal law This letter is not a refusal to pay, but a lawful exercise of my rights under federal statute. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX XXXX Date : XX/XX/year> Via CFPB Portal Re : Formal Rebuttal and Demand for Deletion of Unverified Account Creditor : LVNV Funding LLC / Resurgent Capital Services Account Number : XXXX Dear Consumer, Financial Protection Bureau Representative, I am submitting this formal rebuttal to the response provided by Resurgent Capital Services, L.P., and LVNV Funding LLC regarding the above-referenced account. 
After careful review of their response and attached materials, I respectfully dispute their conclusion and assert that the documentation provided does not constitute proper validation or verification of the alleged debt as required under federal law. 
Failure to Provide Proper Debt Validation ( FDCPA 1692g ) While Resurgent states that it has provided verification, the materials supplied consist primarily of generalized account summaries and statements. These documents do not meet the standard of meaningful verification required under the Fair Debt Collection Practices Act. 
Specifically, the response fails to provide : A complete and accurate payment history Itemization of how the balance of {$1400.00} was calculated Documentary evidence of lawful assignment and ownership transfer Documentation bearing my signature or demonstrating contractual liability Competent evidence that LVNV Funding has the legal right to report and collect A summary or spreadsheet is not sufficient validation under FDCPA requirements. 
Failure to Establish Accurate and Verifiable Reporting ( FCRA 1681e ( b ) and 1681s-2 ) Under the Fair Credit Reporting Act, any information furnished to consumer reporting agencies must be accurate, complete, and fully verifiable. The burden of verification rests with the furnisher of information. 
Resurgent and LVNV Funding have not provided competent evidence establishing that the information being reported is fully accurate and legally enforceable. Continuing to report an account without proper substantiation raises serious concerns regarding compliance with the FCRA. 
Furthermore, reporting a disputed account without sufficient verification may constitute inaccurate or misleading reporting under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Perpay, Inc.
State: TX

Complaint narrative:
The company appears to have relied primarily on identity verification rather than conducting a thorough fraud investigation. I am requesting confirmation of what investigative steps were actually performed before my claim was denied.

Company response to consumer: Closed with explanation