vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: SC

Complaint narrative:
I have been in administrative forbearance by Mohela since XX/XX/XXXX. This was not by choice but rather a result of the litigation over the XXXX plan. I have met XXXX payments required for XXXX XXXX XXXX forgiveness in XX/XX/XXXX. I have applied for the XXXX Back program in XX/XX/XXXX to have my loans forgiven, but there is a back log and it hasnt been processed in almost a year. I submitted a request to change from XXXX plan to an XXXX plan in XX/XX/XXXX. My loans continue in administrative forbearance and have accrued {$3300.00} in interest since XX/XX/XXXX. The delay in taking the administrative forbearance off my account is not only causing an accrual in interest, but it is pushing my loan forgiveness date forward every month. I was told by Mohela on XX/XX/XXXX that it could take up XXXX days to process and get the administrative forbearance arrange removed. I didnt ask for this forbearance yet it is causing hardship with making my loan amount increase and it is also delaying my forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
b'I have filed previous complaints to CFPB regarding being contacted over a debt that is not mine. I currently have an open case with another debt collection agency in regard to being communicated with. I am now receiving calls from a company called portfolio recovery. They are not leaving any information about the nature of their call.\n\nI went on their website to view the debt information, and my information does not match any account they have on record, but they are still calling me.\n\nI have received calls from them at the following numbers.\nXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am submitting this statement regarding an inaccurate account being reported by Professional Debt XXXX on my credit report. I have disputed this information multiple times because it is incorrect, unverifiable, and not owed. 
I previously filed disputes with XXXX XXXX XXXX and both credit bureaus deleted the account after completing their investigations. This confirms that Professional Debt XXXX could not verify the debt and that the information they furnished was inaccurate or incomplete. 
However, despite these findings, the account remains on my XXXX credit report, causing ongoing harm to my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ), including the requirement for information to be accurate, verifiable, and corrected across all bureaus. 
Professional Debt XXXX has failed to properly respond to my disputes and continues to furnish false information, even after the account was deleted by two major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XX/XX/year> Via Certified Mail Return Receipt Requested Americredit GM Financial XXXX XXXX XXXX XXXX XXXX TX XXXX RE : Cease and Desist Communication Notice Account Reference : XXXX To Whom It May Concern, This letter serves as formal written notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ).

You are hereby directed to cease and desist all communication with me regarding the above-referenced alleged debt, including but not limited to telephone calls, letters, emails, text messages, or communication through third parties.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in
writing that they refuse to pay or wish the collector to cease further communication, the debt collector must not communicate further, except to : 1. Advise that collection efforts are being terminated ; 2. Notify that specific legal remedies may be invoked ; or 3. Notify that a specific remedy has been invoked.

Any communication outside of these limited exceptions will constitute a knowing and willful violation of the FDCPA and may subject you to civil liability, including statutory damages, actual damages, costs, and attorneys fees pursuant to 15 U.S.C. 1692k. 

This notice does not constitute acknowledgment of liability, nor does it waive any rights, remedies, or defenses available to me under federal or state law. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX " without prejudice '' UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: OH

Complaint narrative:
This has been an ongoing issue since XXXX. I make the required payments to Sallie Mae every month and for whatever reason they would put payments on other loans, not the loan indicated. I have paid said loan several times just to make it right, only to have it happen again and again. I have sent proof of loan payment and still get harrassed with phone calls and emails daily. Last month I received an email stating the payment for said loan was rejected, not sure what happened with that payment, so I sent another payment, but yet on this month 's statement I still owe back payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have maintained a personal checking account with Bank of America for approximately two years, which I use as my primary bank account. My regular employment income is deposited into this account, and I rely on it for all normal financial activity, including paying bills, insurance premiums, everyday purchases, and family expenses.

On the morning of [ date ], my debit card was unexpectedly declined. I immediately contacted Bank of America to determine whether there was a fraud alert or verification issue, as I had not received any fraud notifications via text, email, or the Bank of America mobile app. The fraud department representative confirmed there were no fraud alerts or pending verifications on the account but noted a hold and transferred me to the liability department.

The liability department informed me that, effective immediately, Bank of America had closed my checking account to minimize liability to the bank and to me. No prior notice, warning, explanation, or opportunity to address any issue was provided before the closure. I was not advised of any specific transaction, violation, or concern that led to this action.

This account is essential to my household. I use it daily to receive my pay and pay necessary expenses. I have a XXXX XXXX and a XXXX XXXX at home, and the sudden closure has caused immediate financial disruption. The account was closed on the same day my health insurance premium was scheduled to be debited, leaving me scrambling to prevent missed payments and coverage issues.

I have consistently engaged in normal and lawful banking activity, including debit card purchases, online transactions, bill payments, travel-related spending, and transfers to family. The sudden account closure without notice or explanation has caused significant hardship and uncertainty. I am requesting a formal explanation for the closure, access to my funds, and clarification regarding Bank of Americas actions and procedures

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 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Global Trust Management LLC
State: WI

Complaint narrative:
They mainly call my husband to look for me when I havent paid in a few weeks. Ive demanded that they stop doing that but they wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Ever since I received the new Capital One card through XXXX  me & my family has been having SOO many issues and kick backs when trying to add method of payment for bills online while trying to use both debit and credit capital one cards. Im unable to use my card to pay my rent since the online portal they use doesnt accept it. A error message always hit me back with merchant error reach out to resolve issues. Or unable to accept method of payment use another form of payment. This is highly inconvenient and I wished Capital one never did the switch. When I called Capital one the only solution given to my mother over the phone was to add the account using routing and account # but not all merchants accept that and I also dont feel comfortable providing that just cause they cant fix the issue. I have been a Capital One cardholder member for 10+ yrs. Never ever had I had an issue like this. I even made my family switch from their old banks to Capital one because I was always satisfied and happy with the service. But right now Im having to consider switching banks. Which I do not want but bills dont wait forever. I really hope they can switch back to XXXX!!! They really did a number by switching.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
CFPB Complaint Against Sentry Recovery & Collections Company Name : Sentry Recovery & Collections Issue Type : Debt collection / Credit reporting Product : Credit reporting / Collection account Complaint Narrative I am filing this complaint against Sentry Recovery & Collections for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Sentry Recovery is reporting a collection account on my consumer credit reports that they have failed to properly validate despite my written dispute and request for validation.

Violations Failure to Provide Debt Validation ( FDCPA 809, 15 U.S.C. 1692g ) I timely disputed this account and requested full validation of the alleged debt. To date, Sentry Recovery has failed to provide : A copy of any signed contract or agreement bearing my signature Proof that I owe the alleged debt Proof that Sentry Recovery has legal authority or assignment to collect this debt Under 15 U.S.C. 1692g ( b ), collection activity must cease until proper validation is provided. Reporting this account to the credit bureaus constitutes continued collection activity.

Inaccurate and Unverified Credit Reporting ( FCRA 623, 15 U.S.C. 1681s-2 ) Sentry Recovery continues to report this account to consumer reporting agencies without conducting a reasonable investigation and without possessing verifiable evidence that the debt is accurate or belongs to me.

Furnishers of information are required to : Conduct a reasonable investigation when a consumer disputes an account Correct or delete information that can not be verified Sentry Recoverys continued reporting of this account despite lack of validation violates 15 U.S.C. 1681s-2 ( b ).

Reporting Disputed Information Without Proper Notation ( FCRA 623 ( a ) ( 3 ) ) If Sentry Recovery is continuing to report this account, it must be clearly marked as disputed by consumer. Any failure to do so is a direct violation of the FCRA.

Harm Caused Because of Sentry Recoverys actions : My credit profile has been damaged I have suffered financial harm and stress I have been denied fair access to credit opportunities Resolution Requested I am requesting that the CFPB require Sentry Recovery & Collections to : Immediately delete this collection account from all consumer reporting agencies OR Provide complete and lawful validation of the alleged debt as required by federal law Cease all collection and reporting activity until lawful validation is produced If Sentry Recovery can not lawfully validate this debt, continued reporting is inaccurate, misleading, and illegal.

I respectfully request the CFPBs assistance in resolving this matter and enforcing compliance with federal consumer protection laws.

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 2026-01-27 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX is attempting to move forward with foreclosure while I have an active, pending VAbacked loss mitigation application. This is a direct violation of RESPAs dualtracking protections under 12 C.F.R. 1024.41 ( g ). 
I submitted the required documents, and PHH acknowledged my application. Despite this, they continue to threaten foreclosure activity and have not paused all foreclosurerelated actions as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: CA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of a billing dispute for a {$100.00} charge from XXXX XXXX. 

The charge was for an annual subscription renewal that I did not knowingly authorize. At the time the charge posted, I believed the subscription had already been canceled and did not intend to continue the service. Once I noticed the charge, I canceled the subscription immediately. 

I did not use or access the XXXX  service at any time after the renewal and received no benefit from the charge. I also attempted to resolve the issue with the merchant but was unable to obtain a refund. 

Bank of America denied my dispute solely on the basis that the merchants policy did not allow refunds and stated that I would need proof of cancellation before the renewal date. My concern is that the dispute was decided strictly on policy language, without consideration of the unintended nature of the renewal, lack of authorization, or lack of benefit received. 

I am requesting a fair review of this matter and appropriate resolution.

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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, is it okay if I address you as " Officer ''? I had a very unfortunate incident today. Something unexpected happened, something that could happen to anyone. Let me explain. I'm using XXXX XXXX for this English message ; I don't speak XXXX. Please bear with me. I have a Chase Bank credit card with a {$500.00} limit. I was worried about forgetting to pay, so I set up automatic payments for the XXXX of every month. I thought this would be good for my credit. I've been using their services for over two years now ; I'm not a new customer. I've always paid on time. As I mentioned, I encountered some trouble and needed a temporary increase in my credit limit. They refused me, saying the reason was that I wasn't a good customer. I can't accept this. I've been paying on the XXXX of every month for so long, and they know that. The reason they gave was that I frequently exceeded my credit limit. I don't understand. Even when I exceeded the limit, I always paid them back. 
I don't think it's possible for me to remember how much I spent today, or how much I'll spend tomorrow. I've been carefully tracking my spending every day to make sure I don't exceed XXXX. I thought that if I exceeded the limit, it wouldn't be a problem as long as I made regular payments. But they said exceeding the limit is not allowed, that it's bad. They only told me this today. During this time, I've been making regular payments to them. Now I'm in trouble, and they only told me today that I'm not a good customer and that they can't help me with anything. During this time, I didn't have my phone with me, I didn't have any money, and I don't speak XXXX. You can imagine how helpless I was. I tried to get help from them, even filing a complaint. I spent three hours on the phone. I was truly desperate. I'm filing this complaint to get justice. They must compensate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I used my Cash App Card for a card-not-present purchase of {$38.00} from a merchant listed as XXXX XXXX XXXX XXXX XXXXXXXX for two body oils. The merchant did not provide tracking information and I never received the products. I contacted the merchant multiple times but did not receive a response. 

On XX/XX/XXXX, I filed a dispute with Cash App for non-receipt of goods. Cash App completed their investigation on XX/XX/XXXX and denied my dispute, stating only that the transaction was authorized. My appeal was also denied on XXXX. Authorization of the transaction does not resolve the fact that merchandise was never delivered. 

I requested information and proof of shipment, but Cash App did not provide any evidence that the merchant delivered the goods. I believe my dispute was not properly processed as a debit card chargeback for non-delivery of merchandise. I am requesting that this be reviewed and handled according to debit card consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

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

Company response to consumer: Closed with explanation