vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Paramount GR Holdings, LLC
State: PA

Complaint narrative:
XXXX XXXX scammed us. We were promised no cost solar panels and that we would never get a bill. Halfway during the process the salesman said we need to sign with good leaf to finish. Again we were told no costs. Now we are being sent a monthly {$200.00} plus bill. I am an XXXX XXXX XXXX citizen. This contract was for 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have maintained a banking relationship with Wells Fargo since XXXX and was also previously employed by the company. Throughout this time, my accounts have remained in good standing with no known issues. On XXXX XXXX, I received notice that my checking account ( s ) and credit card account ( s ) would be closed by XX/XX/XXXX. I contacted Wells Fargo to request clarification regarding the reason for this decision. I was informed only that the bank reserves the right to close accounts and was not provided with any specific explanation. Given my long-standing history and good standing, I am concerned about the lack of transparency surrounding this action, particularly as it includes the closure of an active credit line which may impact my credit profile. I am requesting that Wells Fargo provide a clear and specific reason for the account closures and confirm how this action will be reported to credit bureaus. I would also like to understand whether this decision was based on any internal risk assessment or error, and whether there is an opportunity for review or correction if inaccurate information was used.

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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I am filing this complaint against Affirm Inc regarding an account they are reporting on my credit report that I dispute. I never received proper validation of this alleged debt. Affirm Inc has failed to provide any documentation showing a legally binding agreement, account-level verification, or proof that this debt is accurate and belongs to me. Despite this, they continue reporting this account as a derogatory item on my credit report, specifically on Experian, which is causing significant damage to my credit profile. This account continues to be reported monthly without proper validation, which is a violation of the Fair Credit Reporting Act ( FCRA ). I formally request the following : 1. Full validation of this account, including a signed agreement and complete account records. 2. Proof that this debt belongs to me. 3. Immediate deletion of this account from my credit report if proper validation can not be provided. If Affirm Inc fails to comply, I am prepared to escalate this matter further for violations of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
On XX/XX/XXXX, I used my Best Buy credit card to purchase a XXXX. The total amount was {$1000.00}. When I made the purchase I had an 18 months no interest fee promotion. I had autopay setup on my account with a bank account I no longer use from years prior, which I didn't realize. Because of this, several payments got returned and Best Buy closed my account. Upon learning that my account had been closed in XXXX, I logged in to my Best Buy online, at which time I had a balance of {$1100.00}. I paid off the entire balance in one payment and brought the balance to {$0.00}. I also cancelled my autopay. A few days later, a {$100.00} auto payment from XXXX posted on my account as " returned. '' Since then, Best Buy has started adding interest charges and late fees to that balance. I dispute these charges. I paid the full balance as presented to me at the time of payoff, and the creditor failed to clearly disclose any remaining balance or deficiency before or at the time of payment. Additionally, since this issue began, I have received repeated collection calls from the creditor, often 36 times per day, every day, for several months. Today, XX/XX/XXXX, I called them to try to resolve this. After dedicating 2.5 hours to this, being hung up on, transferred to incorrect departments dozens of times, and not being able to reach anyone that was based in the U.S., I gave up. I should add that these calls continued despite my attempts to resolve the matter. They were calling me WHILE I was on the phone with one of their reps. This level of contact feels excessive and harassing, especially given that the balance itself is disputed. I don't see why I would owe them anything when I only spent {$1000.00} on the card ( with NO interest ) and have already paid them at least {$1100.00} ( because I believe at least the first one or two months of autopay DID go through, so the total paid might actually be {$1200.00} or {$1300.00} ). Best Buy should update my account as satisfied, removed the {$100.00} balance & all subsequent late fees and interests charges associated with it. I paid the full balance AFTER the account was closed. They accepted my payoff & they did not clearly disclose an outstanding {$100.00} before or at payoff. I believe that is a problem with their billing clarity, and further an unfair practice issue. My account statement for the month of XXXX, XXXX is nonexistent. It jumps from XXXX to XXXX. Your assistance on the matter will be appreciated. Thank you.

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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
it was charged off and it is affecting my credit report neagtively

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 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
Never approved this loan identity theft payments removed from my bank account without my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I am submitting this complaint regarding ongoing collection activity by Midland Credit Management related to an alleged credit card debt originally associated with XXXX XXXX XXXX I dispute this debt and do not acknowledge liability. Pursuant to my rights under the Fair Debt Collection Practices Act, including 15 U.S.C. Code 1692c, I requested that Midland Credit Management cease communication with me due to my financial hardship and current unemployment, which resulted from loss of federal funding impacting my employment. Despite this request, I have continued to receive repeated communications, including mailed notices within the past two months. Additionally, prior to this, I received multiple phone calls regarding this matter. This continued contact after my request raises concerns under 15 U.S.C. Code 1692c and 1692d. During a communication on or around XX/XX/2025, via Midland Credit Managements chat system, I attempted to better understand the nature of this alleged debt. During this interaction, I was repeatedly pressured to enter into a payment arrangement of approximately {$100.00} per month. Despite clearly declining and expressing that I was unable to make such payments, I was persistently encouraged to agree to these terms. I felt forced and uncomfortable during this interaction. I also requested to escalate the matter to a supervisor or manager, which was denied. I was informed by a representative identified as XXXX XXXX that if I did not make a payment or enter into an agreement, collection efforts would continue regardless of my request for them to cease contact. Additionally, in XX/XX/2025, I called the phone number provided to me ( XXXX ) after being informed that my account was restricted. During this interaction, I felt unsafe, targeted, and unheard. I was also informed that failure to resolve the alleged debt could result in further action, which I perceived as a threat of legal action. I am concerned that these actions may constitute unfair, deceptive, or abusive acts or practices, potentially in violation of Sections 1031 ( a ) and 1036 ( a ) of the Consumer Financial Protection Act ( 12 U.S.C. 5531 ( a ) and 5536 ( a ) ). I am requesting that this matter be investigated, that proper validation of the alleged debt be provided, and that my request to cease communication be honored in accordance with federal law. I am also requesting that this account be reviewed for appropriate resolution, including potential removal or correction, given the circumstances and the conduct described above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: TX

Complaint narrative:
Greetings, Below is a timeline of events. Thursday, XX/XX/XXXX - I went to the bank to transact withdrawals and learned there was a hard hold on accounts. I asked the teller what a hard hold was. The Teller and the Personal Banker at the bank stated they did not know and advised calling customer service. Friday, XX/XX/XXXX - I went back to the banking center to complete the previous day 's transactions to learn there was still a hard hold on the accounts. Next, I met with the bank manager, who called the investigator. The investigator answered, and the bank manager proceeded with the reason for the call. The call dropped suddenly. The bank manager called the investigator back. There was no answer, so the bank manager left a voicemail and provided me with the investigator 's number, a 4-digit extension, and advised me to call on Monday. Monday, XX/XX/XXXX - I called the number the banking manager gave me on Friday. Result : No answer, I left a voicemail. I called back later and was transferred three times ; the last representative just said I would need to wait for someone to call for an unspecified period of time. ( call was 44 min 59 sec ) Tuesday, XX/XX/XXXX - Called the number back, no answer left voicemail, and filed a complaint internally with the bank and here with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
am filing this complaint against PayPal for failing to protect my funds and for allowing a merchant ( XXXX XXXX XXXX XXXX XXXX ) to engage in deceptive, retaliatory practices. 1. Induced Destruction of Evidence : The merchants support process led me into an automated loop. During this, I was instructed to perform a full factory reset on my XXXXXXXX XXXX XXXX XXXX to " fix '' a lockout. I followed these instructions in good faith, which resulted in the permanent deletion of my XXXX history and the logs that would have proven the merchants billing failures. Since the lockout persists even after a hardware reset, this was a bad-faith tactic to force me to destroy my own evidence. XXXX. Proof of Targeted Retaliation : I am providing a screen recording showing that the app functions perfectly in " Guest Mode. '' However, the moment I log into my paid account, I am blocked. This proves the lockout is not a " technical glitch '' but a targeted, intentional action to bar me from my funds. XXXX. Failure to Adhere to Precedent : PayPal has already found in my favor for this exact merchant in Case ID : XXXX, yet they are denying my remaining identical claims for Services Not Rendered. XXXX. Financial Loss : This intentional lockout has lasted 10 days, costing me {$60.00} {$100.00} in daily " XXXX XXXX '' benefits while the merchant holds my money. I wanted to add to this that I tried to upload my proof but I need to be able to put a bigger file and I don't know if you accepted my file a proof of my uploads. But if you send me an email address like an upload all that information, do you ibstream, recordings? It's much easier to process than all the screenshots that I have. That are like hard for me to de figure out which ones are duplicates and which ones are not so it was easier for me to screen record.And I don't know if it accepted it or not

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
Just signed new documents for loan modification. Amount posted was {$1400.00} on all correspondence. Payment for this ( XXXX ) was made XX/XX/year> due to weekend/holiday. No late fees charged until XXXX of each month. Paper statements mailed to the address state the payment amount is {$1500.00}. Theres {$140.00} added to the payment just listed as advancements made on your behalf. I never gave this company permission to present additional money anywhere on my behalf. If additional money is necessary somewhere - that is to be in writing and via certified mail to the address on file to ensure receipt of the need. Website shows amount due for both XXXX and XXXX as {$1400.00}. This sounds like the company attempting to obtain additional funds through false pretenses. Nothing is listed for additional information and this company is constantly failing to communicate both between themselves and with the consumer. They claim theyre all under the same umbrella of companies, but theres a need for a new account to be created every time they switch. Its been Amerihome Mortgage, AmerihomeServicing, ServiceMac, Amerihome Mortgage LLC. No telling which company will actually claim this account right now. Documents just say Amerihome Mortgage.

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 2026-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
I submitted a written request regarding my mortgage loan requesting verification of ownership, servicing authority, escrow accounting, and payment history. The servicer failed to respond within required timeframes under federal law. The loan is current. I am requesting verification to ensure the loan is being serviced accurately and lawfully. The servicers failure prevents verification of creditor identity, authority, and accounting accuracy. I request full documentation and correction of any errors.

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 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armcon Corp
State: CA

Complaint narrative:
" Coachella Valley Collection Service filed a debt collection lawsuit against me ( XXXX XXXX. XXXX, XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX for {$10000.00} in alleged unpaid private school tuition. In connection with that lawsuit, the collection agency and/or its attorney XXXX XXXX XXXX XXXX XXXX court complaint attaching a copy of a tuition contract bearing signature dates of XX/XX/XXXX and XX/XX/XXXX. I subsequently obtained the original of that same contract directly from the school ( XXXX XXXX XXXX XXXX XXXX ) in response to a certified mail demand. The school 's original shows only " XX/XX/XXXX ' and " XX/XX/XXXX ' on the signature date lines -- no year appears. The year XXXX ' was not placed on the document by the school. It was added to the document after it left the school and before it was filed with the court by the collection agency 's attorney. A second attorney, XXXX XXXX XXXX, later filed a different version of the same contract XXXX days before trial -- a version with no year, matching the school 's original -- without disclosing the discrepancy to the court or to me. Additionally, the school 's Business Manager XXXX XXXX admitted at trial that he wrote the {$10000.00} balance on my withdrawal form after both the school 's Principal and I had already signed the document with the balance line blank. I never signed a document acknowledging that specific amount. The dollar amount forming the entire basis of this lawsuit was inserted into an already-executed document by an interested party, without my knowledge or consent. A judgment of {$10000.00} was entered against me on XX/XX/XXXX. I have a pending Motion for New Trial before the court based in part on these issues. I am also filing complaints with the California DFPI, California Attorney General, and California State Bar. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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

Complaint narrative:
PayPal has permanently deactivated my account due to security issues because someone sent me XXXX XXXX in XXXX. This is what I received my SSI and SSXXXX on. PayPal is withholding protected federal benefits. 31 CFR Part 212 this is federal regulation that requires financial institutions to protect social security and other benefit payments from being frozen this has impacted my life in such a negative way. These funds are your primary means of support and I am being denied access to exempt funds! Two months worth of benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
On XXXX XX/XX/XXXX, I noticed a Collection Account pop up on all three Credit Reports. It was dated XXXX XX/XX/XXXX for popping up on reports. I obtained a telephone number and called the organization called Ability Recovery Service, LLC that was listed on my reports, THIS is all they told me on the call dated XXXX XX/XX/XXXX : that the alleged debt was " from XXXX or XXXX '' and they flat out refused to send me actual documents showing that it would be my debt and then they hung on the call. I have no idea what this alleged debt is and can only assume that it is Identity Theft in conjunction with other Identity Theft issues from another hack in XXXX, XXXX. I have filed a Dispute with all 3 Credit Bureau 's and they are doing nothing about removing it.

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX of XXXX. I found out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ended up in a XXXX XXXX due to personal reasons. I am assessed my mind and when I got out someone had broken into my car stole my phone opened up multiple checking accounts under my name, debit cards got refunds and I had just got my tax return. And wasn't able to use any of it, this is the last thing I thought was gon na happen.

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 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XXXX, I had a lease with XXXX XXXX XXXX XXXX. The account was later sent to National Credit Systems for collection. I entered into a settlement agreement for this debt and made payments toward the balance. In XXXX, I received a written confirmation from National Credit Systems stating that the account was satisfied in full and that I had no further obligation. However, a separate collection account related to the same lease is currently being reported with a balance of {$6500.00}. This account is only appearing on my XXXX credit report and not on XXXX XXXX XXXX At no point during the original settlement process was I informed that there were multiple or separate accounts associated with this lease. Based on the documentation provided to me, I reasonably understood that my settlement resolved the full obligation. I have attempted to resolve this issue directly with National Credit Systems and requested validation of the remaining balance, including a breakdown of charges and proof that this was a separate account. The company has not provided sufficient documentation to support this claim. This situation is misleading, as I have documentation showing the debt was satisfied, yet a balance continues to be reported. I am disputing the accuracy and validity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
SEQUIUM ASSET SOLUTION # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief