vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Select Portfolio Servicing has been placing payments made by the Trustee and XXXX and XXXX XXXX, into an 'unapplied ' status causing the mortgage interest and fees to increase. Select Portfolio Servicing has been paying the property taxes inconsistently from XXXX to XXXX causing a surge to the homeowner escrow payments due and which results in unaffordable monthy payments. Select Porfolio Servicing would have recieved those escrow payments being included in the bankruptcy submitted by the courts and was not applied correctly to the escrow balances, which resulted in an unnecessary Home modification on XXXX occassions, the most recent being in XX/XX/XXXX, to cause the homeowners stress to foreclose or sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: OH

Complaint narrative:
I am trying to dispute this account with Possible Financial Services for inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
The following debt ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480.

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 2026-03-24 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: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/year>, multiple unauthorized transactions were made from my checking account by XXXX XXXX. I did not authorize these charges and believe my account was accessed without my permission. The total amount of the unauthorized transactions is approximately over XXXX dollars During this time, I was in a mental health unit where my phone was taken and secured for an extended period according to facility rules. I did not have access to my device when these transactions occurred, further confirming that I did not authorize or make these charges. I reported the transactions to my bank as soon as I noticed them and filed a police report to document the fraud. All of the charges were from the same merchant and occurred within a short timeframe, indicating unauthorized use. I also contacted XXXX XXXX directly to resolve the issue. They responded requesting a more detailed bank statement showing itemized charges, merchant names, transaction dates, and amounts. However, I provided XXXX bank statements clearly showing the transactions, including the dates and amounts. Despite this, they claimed the information was not sufficient and did not take further action to resolve the issue. My bank only refunded {$50.00} and denied the remaining unauthorized charges, stating reasons related to an IP address, but did not provide a clear or reasonable explanation. I have submitted multiple appeals along with my police report and supporting documentation, but the rest of the fraudulent charges continue to be denied. I requested a full investigation, a complete refund of all unauthorized transactions, and a clear explanation for the partial refund. Neither my bank nor XXXX XXXX has properly resolved this issue. I am requesting that all unauthorized charges from XX/XX/year> be fully reimbursed and that a thorough investigation be conducted into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX Account XXXX XXXX Billing Disputed Unable to identify identification information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I authorized two transactions totaling {$230.00} because I believed I was purchasing legitimate theater tickets from what appeared to be a valid website. However, this turned out to be a scam. I did not knowingly intend to purchase cryptocurrency or use XXXX. Instead of receiving theater tickets, the transactions were processed through XXXX, which is unrelated to the service that was presented to me. I did not receive any tickets, products, or services in return. Additionally, multiple similar transactions were attempted shortly after, and some were blocked by the bank, which indicates suspicious and potentially fraudulent activity. I immediately reported the issue to Wells Fargo and filed a dispute. I clearly explained that I was misled into authorizing the transactions and that no service was received. However, Wells Fargo denied my claim solely on the basis that the transactions were authorized, without properly considering the scam, the misrepresentation of the service, the mismatch between the advertised purchase and the actual merchant, or the fact that no tickets or services were delivered. Wells Fargo failed to conduct a reasonable investigation into this matter and did not adequately address the fraudulent nature of the transactions. This is not a standard authorized purchase, but a scam-induced transaction, and I am requesting that this case be reviewed accordingly.

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 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Reach Financial LLC
State: AZ

Complaint narrative:
Around XXXX, I enrolled with XXXX XXXX XXXX to help settle my credit card debt and began making monthly payments into the program. I continued making those payments for roughly XXXX years. In XXXX, XXXX XXXX XXXX told me that taking a loan through Reach Financial was the best next step to complete my debt resolution. I was under financial pressure and relied on their guidance. I did not understand that this new loan would carry a very high interest rate and that it would be used not only to pay creditors, but also to pay fees connected to the debt relief program. The loan I was placed into had an APR of about XXXX percent. The Truth in Lending disclosure showed an amount financed of {$18000.00}, a finance charge of {$12000.00}, and total payments of {$30000.00}. The payment schedule required 49 monthly payments of {$600.00} and a final payment of {$600.00}. I do not believe these terms were explained to me in a clear and meaningful way. I also later learned that the agreement allowed interest to be added into the balance, which increased the total cost even more. I believe XXXX XXXX XXXX and Reach Financial were working in tandem in a way that created a conflict of interest. After I had already spent years paying into the debt settlement program, I was directed into a high cost loan that benefited the companies but left me with a much larger financial burden. I am still making monthly payments on this loan and still owe about {$10000.00}. I feel I was misled into an unfair and predatory arrangement and that the true cost and structure of this loan were not properly disclosed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Problem with customer service — 
Company: We Collect Inc
State: CA

Complaint narrative:
They can tell me that I need to produce my driver 's license I'm too far away I want to save an event a recent amputees someone stole my license my wallet so I only got pictures of them cuz I sent them every piece of document they can think of that can think of that you do them right now I need that money to eat because I have no other cards and I need people to understand that that's not okay I would like to come safe for my time and my energy I don't do anything illegal I want them to pay me my money back the debt for them they're even paid but I would like to be compensated for everything I do and I got paid pretty XXXX good money I get XXXX a month but I wanted to set up a demand letter for {$3000.00} or just at least be kind everything 's paid up I'm on my money back you could help me that we quickly appreciate it I'm going to contact a better Business girl now thank you please contact me at my number I'm sure they'll jump to you now

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am submitting a complaint regarding PayPal 's handling of a dispute related to a transaction with XXXX. I purchased XXXX XXXX XXXX services from XXXX at {$140.00} each, for a total of {$290.00} USD. After payment, I was instructed to provide a promotional landing page, discount code, and campaign details through their system. I submitted all required information, including a landing page with an automatic discount function. However, the merchant altered the landing page link without my authorization. This change caused the discount function to stop working, and the promotion displayed the original price instead. As a result, the service did not perform as intended. I filed a dispute with PayPal under service not as described and provided a complete set of supporting evidence. The merchant 's own submitted documentation confirms that the original link I provided was modified. Despite this, PayPal ruled in favor of the merchant and did not address : XXXX. The functional failure of the delivered service due to unauthorized modification XXXX. The fact that the second paid service was never used or delivered I believe PayPal did not fairly evaluate the evidence and failed to properly apply its Buyer Protection policies. I am requesting a review of PayPal 's dispute handling process and seeking a fair resolution for this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am filing this complaint against Nelnet for a systemic failure to report my account history to the national credit reporting agencies ( CRAs ). Despite being my loan servicer for over a year, Nelnet failed to furnish any record of this account, its status, or its eventual closure. In XXXX, I enrolled in the Department of Educations XXXX XXXX program. My loans were subsequently assigned to Nelnet. For approximately XXXX months, I maintained this account, during which time I either made on-time payments or was in a period of authorized deferral. On XX/XX/XXXX, these loans were consolidated and paid in full. There is currently no record associated with Nelnet on my credit reports. This is not a case of a few missing months ; the entire tradeline is absent. Specifically : There is no record of the 14-month period between my enrollment in XXXX XXXX and my consolidation. There is no record that these loans were ever paid in full or closed. The reports jump directly from the pre-XXXX XXXX status to the new consolidation loan with XXXX. By failing to report this account, Nelnet has deleted a year of positive credit history and failed to document that the prior debt was legally satisfied. As a furnisher under the Fair Credit Reporting Act ( FCRA ), Nelnet is obligated to provide information that is both accurate and complete. A total omission of a 14-month servicing period and the final " Paid in Full '' status constitutes a clear failure to meet these requirements. I disputed this omission directly with Nelnet. In a response dated XX/XX/XXXX, a representative ( XXXX XXXX XXXX stated, " Because your loans were not serviced by Nelnet prior to consolidation, we don't have access to your prior payment information. '' This response is a complete mischaracterization of my dispute. I am not requesting data from before Nelnet became my servicer ( although I did provide them with a copy of my full federal student loan record after receipt of this email ). I am requesting that Nelnet report the XXXX months of data generated while they were the active servicer, including the final status of " Paid in Full '' upon consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
Complaint Title : PayPal Holding {$400.00} and Closed My Account Without Explanation What happened : Ive had a PayPal account since 2020. Recently, PayPal closed my account without giving a clear reason. They are currently holding {$400.00} of my funds and refuse to release the money despite multiple attempts to contact them. I have followed all of their requested procedures, but they only send generic responses. I rely on this money and need it urgently. : I contacted PayPal customer service several times via their message center and phone, but they did not explain the reason for closing my account or provide a timeline for releasing the money. What I want : I am requesting that PayPal release my {$400.00} immediately or provide a valid explanation and timeline for when I will receive

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/year> To Whom It May Concern, I am writing in response to your contact regarding an alleged debt. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act. I do not recognize this debt and dispute it in its entirety. Please provide verification of this debt, including documentation that proves I am legally obligated to pay it. Until you provide proper validation, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. If this debt has already been reported, please mark it as disputed immediately. If you are unable to validate this debt, I request that it be removed. Please communicate with me in writing only. Thank you, XXXX 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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
CFPB https : //www.consumerfinance.gov/complaint/ [ consumerfinance ] XXXX. Bank of America https : //www.bankofamerica.com/customer-service/contact-us/ [ bankofamerica ] XXXX. XXXX : //www.bbb.org/ [ bbb ] : Final Comprehensive Complaint - BoA Advantage Plus Account Ending XXXX | Case # XXXX ( Unresolved for XXXX Months ) Dear Bank of America XXXX XXXX and CFPB XXXX XXXX I am Shih-chieh XXXX, an XXXX XXXX XXXX XXXX, New York ( XXXX XXXX proficiency XXXX. I opened an Advantage Plus Banking account ending in XXXX to build credit for housing, loans, and essentials. Instead, BoA has destroyed my credit, income, and access to banking with ZERO resolution after XXXX months. This violates CFPB fair banking rules, FDIC consumer protections, and New York consumer laws. Key Violations ( All Documented ) : Repeated Account/Card Freezes/Locks : XXXX promised fixes multiple times, but locks persist. Case # XXXX remains OPEN and UNRESOLVED since XX/XX/year>. I can not work or access funds. Prior CFPB Complaints Wrongly Closed : Complaint IDs from XX/XX/XXXX & XX/XX/year> reopened on XX/XX/XXXX but ignored with only delays. No action taken. UnfaiXXXX XXXX XXXX Monthly Fees : Charged despite account issues; wasted $ XXXX on alternatives ( e.g., other banks/prepaids ), losing gig income during peak hours. ChexSystems Blacklisting : BoA reported me negatively, blocking new accounts, loans, rentals, and car purchases. My credit is RUINED no housing/essentials possible. Ignored Phone Disputes : Calls dropped/hung up ; no callbacks. Excessive wait times caused severe stress. Attachments ( Screenshots/Records ) : Account statements ( XXXX ) CFPB XXXX ( XXXX ) Call logs/transcripts IMMEDIATE DEMANDS ( Non-Negotiable Must Resolve Within XXXX Business Days ) : XXXX. Full Refund : All {$12.00} fees + {$500.00} wasted costs on alternatives. XXXX. Permanent Unlock + ChexSystems Removal : Written proof of deletion ( with dates ). XXXX. Compensation : {$2000.00} for credit damage, XXXX months lost income/opportunities, time/stress. XXXX. XXXX XXXX XXXX + Formal Apology from BoA XXXX. Warning : If unresolved, I will escalate to : NY Attorney General XXXX XXXX FDIC formal investigation Small claims court ( XXXX, NY XXXX XXXX XXXX XXXX XXXX BBB, XXXX, XXXX ) Class-action referral if systemic. I trusted BoA as a major bank this treatment is unacceptable. Provide resolution NOW or face full escalation. Contact : [ ] | [ Email ] | Address : [ XXXX, NY address if comfortable ] Sincerely, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
XX/XX/XXXX was supposed to a XXXX bonus for referring me to sign up for sofi account and make deposit of XXXX XXXX I met the terms and they wont pay. all screenshots attached

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.

Complaint narrative:
This is the second complaint about this issue I have been facing. I am getting worried about the organization and it's capabilities in maintaining the records straight. I made XXXX payments of {$270.00} each on XX/XX/XXXX. I immediately sent the confirmations to XXXX Customer Service as follows. The attachments with these emails are also attached to this complaint. First email on XX/XX/year> : Subject : XXXX made - XXXX and XXXX I just made a payment of {$270.00} for my load accounts XXXX and XXXX. XXXX XXXX Second email on XX/XX/year> : Subject : A Second payment made - XXXX and XXXX I just made a second payment of {$270.00} for my load accounts XXXX and XXXX. XXXX XXXX As the payments were not processed until XX/XX/XXXX, I sent the following email again on XX/XX/year> with the same payment confirmations : To Whom It May Concern I made XXXX payments on XX/XX/XXXX. You posted just XXXX. Please check and correct soon. XXXX XXXX My account is still showing only XXXX payment processed between the XXXX loans - {$130.00} and {$140.00}. The second payment is not visible anywhere, XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Your Information : Name : XXXX XXXX, MD Address : XXXX Quiet XXXX XXXX, XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Company Name : Barclays Bank Delaware Product : Credit card Issue : Missing payment / billing error Subject/Title : Payment of {$550.00} debited from my bank never credited to my Barclays XXXX XXXX XXXX and accruing fees Complaint Narrative : On XX/XX/year>, I initiated a payment of {$550.00} from my XXXX XXXX XXXX account ending in XXXX to my Barclays XXXX account XXXX in XXXX. The {$550.00} was debited from my XXXX XXXX account on that date, but it has never been credited to my Barclays XXXX account. I have contacted Barclays directly and opened a formal dispute. As of the date of this complaint, Barclays has been unable to locate the funds or confirm receipt of the payment. Despite this unresolved missing payment, my Barclays account continues to accrue interest and potential late fees on a balance that should have been reduced by {$550.00} as of XX/XX/year>. I have also opened a dispute with XXXX XXXX, which appears to have misdirected the payment as a " XXXX XXXX '' transaction rather than a direct credit card payment as I intended. Neither institution has resolved the matter or issued any provisional relief. I have sent a formal written dispute letter to Barclays XXXX XXXX, XXXX. XXXX XXXX, XXXX, DE XXXX via certified mail.

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 2026-03-24 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: FL

Complaint narrative:
Identity Theft reports Closed account No account number

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