vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: DOLLAR MUTUAL BANCORP
State: OH

Complaint narrative:
XX/XX/XXXX I do not agree with my escrow shortage balance that it is to high because of XXXX for the next XXXX  months. The reason is because my taxes due for XX/XX/XXXX for the XXXX  have of year XXXX have not been applied to my escrow. My XXXX, XX/XX/XXXX mortgage payments have yet to be receive by Dollar Bank. My homeowners insurance premiums were paid on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am experiencing ongoing servicing and communication issues with my mortgage servicer while seeking loss mitigation due to financial hardship. 

I fell behind on my mortgage payments due to a documented decline in business income and submitted a hardship and loss mitigation request to the servicer. I attempted to follow up regarding the status of my request and the assigned point of contact. 

On or about XX/XX/XXXX, I received an automatic reply stating that the assigned mortgage specialist is out of the office and will not return until XX/XX/XXXX. No alternate contact, reassignment, or substantive response was provided. 

As of today, I have not received confirmation that my loss mitigation request remains under active review, nor have I been provided with a replacement specialist. This lack of communication places me at risk of further delinquency or adverse action due to servicer inaction rather than borrower noncompliance. 

I am requesting assistance to ensure proper servicing, clear communication, and confirmation that my loss mitigation request is being handled appropriately without penalty during this period.

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: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Re : Debt Validation Request Original Creditor : Capital One Account Number : XXXX Alleged Amount : {$4800.00} NOTICE OF DISPUTE AND DEMAND FOR VALIDATION To Whom It May Concern, This letter is sent in response to your reporting and/or collection activity regarding the above-referenced account. I dispute this debt in its entirety and request full validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( FDCPA 809 ). 
You are hereby notified that I am requesting competent evidence that I have a legal obligation to pay this alleged debt. Until such validation is provided, you must cease all collection activity, including reporting or verifying this account to any consumer reporting agency. 
REQUIRED VALIDATION ( STRICT PROOF DEMANDED ) Please provide all of the following : Proof of your legal standing to collect this debt ( assignment, bill of sale, or authority from Capital One ). 
A complete payment history, including how the alleged balance of {$4800.00} was calculated. 
A copy of the original signed credit agreement or application bearing my signature. 
Documentation showing the date of charge-off and the accounting that supports it. 
Proof the statute of limitations has not expired in my state. 
Proof that this debt has not been sold, transferred, or discharged. 
Proof of compliance with FDCPA and FCRA requirements. 
NOTICE OF LEGAL RIGHTS Failure to provide proper validation will constitute non-compliance with FDCPA 809 ( b ). Any continued collection activity, reporting, or verification without validation will be considered willful violations of federal law and may result in complaints to : Consumer Financial Protection Bureau ( CFPB ) State Attorney General Federal Trade Commission ( FTC )

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I was sent an XXXX mail that someone contacted XXXX and had a pin changed to my credit card which they allowed. I then received an XXXX mail saying fraudulent activity occurred with my card, which was XXXX transactions at a downtown locker room that I did not make. I contacted them to resolve the issue and they have not. They keep closing the account and sending me new cards but will not remove the fraudulent purchases.

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: 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, a dispute was filed with Citi bank pertaining to a breech of contract/negligence case for XXXX with merchant XXXX XXXX in XXXX, NC. I provided all the requested documentation and case was closed without my knowledge citing I did not provide documents needed. They reopened my case on XX/XX/XXXX and asked for more documentation which I provided. I called several times to verify they received this information which they told me they had and that it would be XXXX days for the decision. Conditional credit was said to be applied but does not reflect on the online portal. I called on XX/XX/XXXX to check again as well as XX/XX/XXXX and was given XXXX update and actually told by one worker, everytime I called, the XXXX days started over so since it was XX/XX/XXXX Id have to wait again. I have provided Citi bank with all required documentation including a professional opinion and comparison quote from another merchant in which I was forced to have the work done after the initial merchant left my vehicle leaking and unsafe to drive. Substantial evidence has been given stating faulty negligence. This is my first dispute. I have been a member for over a decade and use on avg XXXX yearly on this card and have a XXXX score never missing a payment.

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 2026-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Hello, My Venmo account has been fully restricted without explanation. I am unable to : Send money Transfer my balance Add or relink a bank account or debit card The app repeatedly shows Sorry, unable to complete this transaction, and there are no pending verification requests visible. I have previously linked banks/cards successfully on this account. 

I currently have funds in my Venmo balance that I can not access and have bills due. I have attempted to resolve this through in-app chat and phone support but have not been escalated to a XXXX. 

I am requesting immediate review by the Account XXXX XXXX XXXX XXXX team and written clarification of : XXXX. The reason for this restriction XXXX. The specific steps required to release my funds Please treat this as urgent, as my funds are currently inaccessible.

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: Westlake Services, LLC
State: CA

Complaint narrative:
I am a California consumer filing a complaint regarding a loan serviced by Covered Care / Westlake Portfolio Management. 

At the time I enrolled in an online program, I did not understand that I was entering into a third-party loan. The payment was presented as paying off the course, not as a loan, and the financing process was guided step-by-step by the programs sales representative. I was encouraged to report higher income to increase the likelihood of approval. 

I only became aware that this was a loan after missing a payment and being contacted by the loan servicer on XX/XX/year>. I disputed the loan in writing through the lenders online message portal on XX/XX/year>, but did not receive a response. 

I also contacted the course provider in writing to request cancellation and coordination with the lender. The course provider refused and directed me back to the lender, stating they would not cancel the enrollment. I have since received conflicting information about who the actual lender is. 

Given the lack of informed consent regarding the loan, confusion about lender identity, and failure to respond to my dispute, I am requesting a formal review of this account and that collection activity and negative credit reporting be paused while the matter is investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I did not receive help from XXXXXXXX XXXX XXXX XXXX  XXXX so I filed a police report hopefully this will help with wells fargos lack to find the amount put in a branch atm

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 — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the validity of the debt Credence Resource Management have recently reported to the credit bureaus. I have not received any prior written communication or a Validation Notice from your agency regarding this alleged account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request full validation and verification of this debt.

Please provide the following documentation : Evidence of Debt : An itemized statement from the original creditor showing the origin of the debt and the exact balance. 

Chain of Title : Complete documentation showing the date of purchase and the legal transfer of this debt from the original creditor through any subsequent collectors to Credence Resource Management. 

Proof of Unverifiability : Be advised that this debt was previously handled by XXXX XXXX, who determined the debt was unverifiable and permanently removed it from my credit reports on XX/XX/year> ( see attached evidence ). 

License to Collect : Verification that you are licensed to collect debts in my state of residence. 

Under the FCRA, reporting information that has already been deemed unverifiable by a previous agency is a violation of the requirement for " maximum possible accuracy. '' If you can not provide the specific documentation requested above to prove this debt is valid and distinct from the previously deleted record, you must permanently remove this entry from all credit bureaus within XXXX  days. All future communications regarding this matter must be in writing ; I do not wish to be contacted by telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/year> i made an online purchase of hair extensions from XXXX XXXX XXXX XXXX  for {$110.00} On XX/XX/XXXX, XXXX and XXXX i contacted XXXXXXXX XXXX XXXX XXXX  by phone to make arrangements to return the item for a full refund under the XXXX  day policy. I left XXXX messages but the company never responded. I then filed a dispute with BARCLAYS BANK on XX/XX/year>. Today BARCLAYS BANK closed the investigation in favor of the merchant. BARCLAYS explanation as that my complaint was denied because I still had the merchandise and the dispute was under the category.... item received was not as described. That is totally false and miscategorized. I spoke to the agent on the phone and was told that there's nothing else that can be done.

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
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 XXXX  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 : Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I just checked my credit through XXXX XXXX and theres a brand new auto loan for over {$30000.00} from XXXX  that I definitely didnt open.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX To Whom It May Concern, This letter serves as formal notice that, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me regarding the above-referenced alleged debt. 
This includes, but is not limited to, communication by telephone, text message, email, postal mail, or through XXXX  parties. You are only permitted to contact me in writing to confirm XXXX of the following : That you will comply with this request and cease all communications, or That you intend to invoke a specific legal remedy permitted by law. 
Any further contact from you outside of these limited exceptions will be considered a knowing and willful violation of the FDCPA, and I will document such violations for potential legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursuing civil remedies. 
This request is not a refusal to pay, nor is it an acknowledgment of liability for the alleged debt. 
Govern yourself accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX I was making reservations on my home laptop for travel from XXXX  XXXX XXXX to XXXX XXXXXXXX XXXX  I cancelled XXXX trips immediately after making the reservations and ended up reserving XXXX final trip ( XXXX XXXX XXXX. # XXXX. Unfortunately for me, XXXX charged me for XXXX tickets for XXXX round way trip. When I noticed I was still being charged for XXXX other trips I called XXXX. XXXX informed me that they refunded my account for the XXXX reservations to XXXX XXXX XXXX Credit Card ( via Chase Bank ) However, Chase bank said XXXX XXXX told them I still owed because I didn't cancel the XXXX trips in time. When in fact, I cancelled the XXXX trips immediately upon making the reservations. I ended up taking XXXX trip as a result of this booking session. The trips cancelled were ( Confirmation # XXXX XXXX for {$450.00} Item name Document or ticket number Tracking number Electronic ticket ( Refunded ) XXXX XXXX Basic Economy Cancellation Fee XXXX XXXX ( Confirmation XXXX XXXX eTicket number : XXXX Seats : XXXX XXXX XXXX XXXX Basic Economy Seat Assignment ( XXXX XXXX XXXX Basic Economy Seat Assignment ( XXXX ) XXXX  Purchase Summary Method of payment : XXXX ending in XXXX Date of purchase : Sun, XX/XX/year> Airfare : 312.89 U.S. Transportation Tax : XXXX XXXX. Flight Segment Tax : XXXX Passenger Civil Aviation Security Service Fee : XXXX XXXX. Passenger Facility Charge : XXXX Total Per Passenger : XXXX USD Total : XXXX USD Additional Purchase Summary Method of payment : XXXX ending in XXXX Date of purchase : Sun, XX/XX/year> Basic Economy Seat Assignment ( Reference Number : XXXX ) : XXXX XXXX Transportation Tax : XXXX Total : XXXX USD Additional Purchase Summary Method of payment : XXXX ending in XXXX Date of purchase : Sun, XX/XX/year> Basic Economy Seat Assignment ( Reference Number : XXXX ) : XXXX XXXX Transportation Tax : XXXX Total : NOT REFUNDED XXXX eTicket number : XXXX ( Refunded ) Seats : XXXX XXXX XXXX XXXX Basic Economy Seat Assignment ( XXXX ) XXXX Basic Economy Seat Assignment ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ Data XXXX falsely reported and attempted to collect on a debt that is disputed, illegal, and not validated in accordance with both state and federal laws. I have informed IQ Data XXXX the debt was not valid and I dispute the false claim and they still illegally report this debt on my credit reports. This complaint is made due to the violation of IQ Data XXXX in accordance with FCRA 15 U.S.C.XXXX and FDCPA 15 U.S.C. XX/XX/XXXXXXXX. This company has erroneously placed a false and illegal debt on my credit report without following local, state, and federal laws. This so called debt was never adjudicated in the courts where a judgment was entered according to the laws. No complaint was filed with the courts on this false debt and therefore the respondent has no right to pursue collection or report false information on my credit reports in accordance with both state and federal laws. Texas Debt Collection Laws/Act XX/XX/XXXXXXXX under the XXXX XXXX XXXX prohibits such violations and warrants a thorough investigation of this violation. Also, Texas Deceptive Trade Practices Act ( XX/XX/XXXX) - XXXX. XXXXXX/XX/XXXX. XXXX XX/XX/XXXXXXXX allows consumers to file lawsuits against businesses and landlords for deceptive practices as in this complaint -where a landlord wrongfully reports debt and/or engages in unethical practices related to credit reporting which is a violation of XXXX. The same falls under Texas Fair Credit Reporting Act ( XXXX ). Because both the landlord and the collection agency has violated credit reporting rules, this complaint falls in the guidelines of a complaint to CFPB which warrants further investigation. Also, FCRA requires only accurate and verifiable information be reported to credit bureaus -and the information reported by IQ Data XXXX does not fall under the categories of accurate and verifiable meaning they deceitfully and intentionally violated both State and Federal laws reporting a false/fabricated debt on my credit report including illegal collection practice. Because this debt was reported illegally and wrongfully where both the landlord and collection entity failed to follow the legal process, sanctions should be imposed as warranted according to the laws. Again, as both federal and state laws require, a court judgment must be issued for such type of debt of this kind before a landlord can sell the debt to a collection agency and/or the collection agency purchase the debt and report such debt to any credit bureau . Again, in this case no court case or adjudication ( judgment ) was filed on this matter which violates all FCRA, FDCPA, XX/XX/XXXX - XXXX XXXX XXXX, and XXXX. For the record, this false debt, collection and reporting was falsely done due in retaliation because I exercised my rights and asserted a constructive eviction where both the landlord and collection entity retaliated against me which is a violation under XX/XX/XXXX( XX/XX/XXXXXXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
XX/XX/2025 paypal deactivated my account. I called paypal on XX/XX/2025 to request they reactivate my account. They stated my account was permanent closed and they would be holding onto my money in the account. The amount is XXXX. I have christmas returns that are to be refunded back into my PayPal account. They would not tell me if these returns would be credited to my account. They just stated that I would not be allowed to access any services. I shop with PayPal online and use it when I go out if the country. I was told my money would be held for XXXX days. I would not be allowed to access these funds. In the past they have encouraged me to keep funds in this account as a savings account. I asked to speak to a supervisor as I have not broken any rules to cause this deactivation. They would not tell me a reason for the deactivation. They would not tell me any reason as to why this would happen. Only said I would not be able to open a new account or access my money. Also that the person I was speaking to is the only person I would be allowed to speak to and I would not be allowed to speak to anyone higher. The decision was permanent.

Company response to consumer: Closed with explanation