vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I filed a complaint on XX/XX/year> against Shellpoint, New Rez, LLC d/b/a New Rez Mortgage, LLC. # XXXX # XXXX. The mortgage company replied to the complaint and I replied and CFPB closed my complaint. I am raising the same issue/s not only about the alleged escrow shortage, also about Shellpoint deleting the portal for customers to send emails, not answering the phone and not applying my mortgage payments correctly. Kindly explain to me why since the inception of my loan that only {$3.00}, XXXX has been paid towards the principal amount to date? There is NO way this is correct!! ALL of these issues occurred when Shellpoint assumed my mortgage. CFPB is suppose to investigate these serious issues pertaining to predatory mortgage companies such as Shellpoint, New Rez LLC d/b/a New Rez Mortage, LLC.

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 2026-06-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Since XXXX of XXXX i have been asking for some assistance with my mortgage payment which i got denied for. I then asked for an escrow account to be set up in which they told me. I have to sign form to consent to that which I did and sent XXXX times and they claimed you have never gotten that form that I get a letter in the mail dated XX/XX/XXXX at XXXX saying that my past due taxes have been paid. I had called XX/XX/XXXX to ask about the letter and they stated that was not the case so in my opinion, the letter is misleading as well with the lack of assistance on Wells Fargos end

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
This an additional complaint already filed against NCB management services. Complaint # XXXX. I would like to thank NCB management for making it easy to prepare my lawsuit against them for multiple FDCPA violations. On XX/XX/year> I received and RECORDED a call from NCB XXXX case manager, XXXX XXXX. I requested a cease & desist and he proceeded to verbally abusive which led to a verbal altercation which violates the cease & desist clause under the FDCPA. On XX/XX/year> I called NCB management to get contact info to dispute the debt and Spoke to XXXX XXXX for contact info and he to tried to attempt to collect the debt after admitting a verbal cease & desist on file by asking to send a creditor info. XXXX XXXX stated that the initial letter was mailed out on XX/XX/year>. I received that letter on XX/XX/year>. The letter is in direct violation of the FDCPA which will be attached to this complaint. It clearly stated that I only had 8 days to dispute the debt. ( Mailed on XX/XX/year> ; said I have until XX/XX/year> ; and received it on XX/XX/year>. ) the FDCPA states 30 days to dispute the validity of the debt! This is false and misleading tactic used to collect a debt with obvious intent to violate the FDCPA with blatant disregard for the statute, including but not limited to the cease & desist violation. I will also file a complaint against NCB at the Federal Trade Commissions in addition to the CFPB complaint, and the US justice department for Civil RICO violations. Furthermore, the letter claims they are a CREDITOR. Another false and misleading statement due to the fact that they are a debt collector and not the assignee or servicer of the account ; Republic trust bank has CHARGED OFF the debt by filling a 1099-c cancellation of debt with the IRS. I will also file a complaint at the US postal service for sending fraudulent debt communication through the mail. YOU ARE NOT GOING TO GET AWAY WITH THIS VIOLATION! You messed with the wrong consumer!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: FL

Complaint narrative:
I lost my job and I couldnt make payments now the company sold my debt to a third party company now they calling me constantly to make payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I set up payment arrangement with company and they still are trying to sue me because I missed one payment in XXXX which in XXXX I gave they XXXX for XXXX and XXXX. I expressed to the agent that set up my payment arrangement that I cant pay on the XXXX that it will be later then that he said that is fine. Now the company pressler, felt & Warshaw llp have entered a judgement in the courts. When a payment was made. I have also expressed to them that I am currently unemployed and I have to borrow money from my family and friends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
This is the second time now that a debt collector has called me with a bunch of XXXX. The first time around I filed a police report and a FTC identity theft case and it happened again? Please for the love of XXXX help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> I paid {$4500.00} on my Capital One Quicksilver card ( case number XXXX ) to a merchant via XXXX ( an online payment platform used by the merchant to collect funds ) for custom manufactured boxes that were never delivered. No goods were ever delivered. No tracking number was ever provided. Capital One 's own case file states Tracking : N/A. The merchant 's own invoice explicitly guaranteed a full refund if samples were not approved. The merchant refused to honor that guarantee. I submitted a four page dispute letter with seven supporting documents on XX/XX/year>. Capital One rejected it within the same hour without human review. I then called Capital One 's escalation team the same day and spoke with agent XXXX, ID XXXX. They refused to reconsider, citing XXXX 's platform terms of service. My dispute is with the merchant for non-delivery of goods, not with XXXX 's platform. My XXXX chargeback rights under the F air Credit Billing Act apply regardless of which payment processor the merchant chose to use. Capital One has failed to conduct a reasonable investigation as required by the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I sent a {$90000.00} wire on XX/XX/year> through Chase to a XXXX XXXX XXXX XXXX recipient. Chase investigated and deemed the transfer legitimate, but Chase closed my account and is refusing to provide the wire trace report, XXXX number, and XXXX number because the account is closed. I need Chase to provide the complete wire trace and all identifying wire numbers immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: EVERBANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I recently did a refinance on my home and had to unlock my credit bureaus. I closed on the loan and then went out of country for a family vacation from XX/XX/XXXX to the XXXX of XXXX when I returned I had several emails stating I had open checking account with ever bank. Additionally, I receive letters in the mail to for XXXX one for XXXX XXXX and one for XXXX XXXX also indicating that I attempted to open accounts with them or credit cards. All are fraudulent without my consent ever bank sent an email stating that there was approximately {$5000.00} deposited and another XXXX XXXX to a XXXX for utility bill, which also is not authorized by me. I contacted all the banks told them that these were all fraudulent to close the accounts and mark my accounts as fraudulent, I filed a police report with XXXX XXXX XXXX Arizona I have filed on identity theft.gov now my checking account. My personal checking account is frozen due to suspicious activity also not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
There are 3 or 4 companies that this FHA loan of {$65000.00} with 4.5 interest has passed to. Each company got more confused, refused payments and changing rules. Original loan was mortgage Co in California, then XXXX XXXX then Rocket Mortgage. XXXX XXXX and Rocket send paperwork from attornies in XXXX XXXX. My son XXXX XXXX was never intended on loan and only intent was deeded to him in my passing. He has never stayed a Night in this house and the attorneys in the paperwork say he is joint tenent. I'm XXXX with XXXX, and when I purchased this house in my name only FHA XXXX.5 interest was recovering from 3 months hospital stay due to COVID. I requested loan modification and they chose to add my son in rewritten loan paperwork. Now they refuse to rewrite loan in my name only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
Im An American citizen I traveled to XXXX for XXXX XXXX they lied about the price so I left flew to XXXX. It was extremely hot and humid so 2 days later I flew to XXXX where im getting my XXXX XXXX. All the calls with pnc bank are recorded for the daily limit increase for my XXXX wire transfer to my XXXX XXXX. All the wires from my XXXX stock account to my PNC bank account are legit. I understand all the international travel XXXX countries in XXXX span resembles scams that are often perpetrated. I assure you its not ill include pics of my passport and travel stamps. Also PNC says to visit a branch in AZ when this is literally impossible with no access to my funds. Im in a desperate situation and need this resolved immediately. I kind fully respect your time and hope you take consideration of my request ..!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I believe inaccurate and obsolete information is being reported on my credit report, causing me to be denied credit opportunities. The account in question appears to be beyond the legal reporting period and should no longer be appearing on my credit report. Despite my efforts to dispute this information, it continues to be reported, resulting in ongoing harm to my credit profile. I also requested validation of the alleged debt. The debt collector failed to provide sufficient documentation demonstrating that I am legally responsible for the account. Specifically, I requested evidence showing the origin of the debt, the amount claimed, and documentation connecting me to the account. To date, I have not received adequate verification. Because of the continued reporting of this account and the lack of sufficient validation, I believe the information being furnished may be inaccurate or incomplete. I request that the account be thoroughly investigated and removed from my credit report if it can not be verified as accurate and legally reportable. I am seeking correction of my credit file and any other relief available under applicable federal law, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), if violations are found

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
- Sent letter ( via certified mail ) for verification of debt dated XXXX - Requested itemization of charges owed including interest added - Details about the age and amount of debt from original creditor - Date the original creditor claims this debt became delinquent- If debt is within statute of limitation and how determination was made - Proof of ownership or account and or legal right to collect debt from me if owed Received a stmt from Portfolio Recovery indicating amount owed and a letter from XXXX bank stating account was sold. However, no additional information included and I do not have enough information to verify debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a dispute claim ( Claim # XXXX ) with Capital One Bank for a purchase and they failed to provide me with provisional credit within 10 days of the investigation being opened. I have submitted ample evidence to the bank regarding the claim and the circumstances which made everything outside of my control. And they have failed to provide me with provisional credit or an update on the investigation. On XX/XX/XXXX I made a second claim with Capital One Bank for failure of delivery of services from XXXX XXXX. ( Claim # XXXX ) and I requested provisional credit and was denied. So now I am stranded and in both cases due to circumstances outside of my own control a merchant didn't deliver what I paid for and my bank has failed to provide me with any support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
We had a major property loss at our home. My insurance company paid me XXXX for repairs on my house. My wife and myself endorsed the check and sent said money to the mortgage company Onity/PHH to endorse and send back to me as required. They instead kept the money, deposited it into one of their escrow accounts which you can guarantee theyre earning interest on and told me they would send me XXXX and then Id have to have an inspection done to get the rest of it back. Theyve now had that money since XX/XX/XXXX and Ive jumped through all their hoops and provided them with all the documentation they requested and they told me now that they have everything that it would be XXXX days before they processed the check and it has not processed yet. Additionally, my funds will most likely also be further delayed by the amount of time it takes them to mail the check back to me plus whatever hold the bank decides to put on the deposit because if it being over $ XXXX. The construction companies all went to work with the knowledge and guarantee that the insurance company was paying me for their work and they are all working and some have completed their job and are now requesting money that I dont have because of the mortgage company holding my money. I just put over $ XXXX on my credit cards which could potentially cause me interest charges because I have no clue when Im going to get my funds. Quite frankly Im stressed out about owing XXXX XXXX XXXX to people that have done work that XXXX cant pay for because of their Onitys policies and procedures and they are no doubt making interest off of my money that they should have no right to hold. My contractors are doing work in good faith and paying their employees and purchasing supplies so theyre putting their business at risk as well because they shouldnt have to float the money on their credit for labor and supplies either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: NE

Complaint narrative:
I have used my XXXX debit card at XXXX ( merchant ) to start a XXXX XXXX transfer and the transaction was voided by XXXX and never went through. However XXXX still processed these charges ( a total of {$300.00} ) and are holding these charges for an unknown period of time and I don't even know where this money went. XXXX has confirmed to me multiple times that these charges were voided by them, however XXXX is refusing to give me any details as to why they still haven't returned these charges back to my account and it's been more than a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was asked to verify my identity through live scan and picture of my i.d . which I did multiple times. They blocked my card again after I used it and said id have to wait for mail with a passcode to verify myself which I did and spoke with the fraud department and they unblocked my card once again and I was able to use it a couple times that day then the next day it was blocked again and I was told I could only mail in documents but they also said they were sending me a letter with a passcode again which I haven't received yet.

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 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc.
State: MT

Complaint narrative:
XXXXit shows the money lion account was opened on XXXX. money was sent to XXXX XXXX XXXX which I had not had XXXX XXXX XXXX acct in 15 to 20 yrs before. Money Lion could not confirm the 3 emails I have only had all my life, it was completely different information and would not give me the email they had or account number.XXXXI have called multiple companies :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed this account for 5 in a half yrs and can't even find out how to pay it off and its not even my account. It has lowered all my credit card availability and I just want it to be over. Its $ XXXX HOW DO I GET THIS RESOLVED ????XXXXPlease help me find a way to get rid of this MONEY LION ACCOUNT.XXXXThank You \nXXXX 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 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
I attempted to open a business bank account and apply for a XXXX XXXX loan but was denied services - When i asked why, they ignored my calls and emails

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Repeated calls all through the day, with some obscene language at times, and also sending emails repeatedly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Closing Date informed : XX/XX/year> Company : Bank of America Amounts : Checking : {$15000.00} Saving : {$50000.00} CD # 1 : {$70000.00} CD # 2 : {$70000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief