vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Neighborhood Assistance Corporation of America ("NACA")
State: MI

Complaint narrative:
Product : Mortgage Company : Neighborhood Assistance Corporation of America ( NACA ) Also Involved : XXXX XXXX XXXXXXXX Complaint Summary : I am filing a complaint regarding serious underwriting misconduct and coercion during my mortgage process with XXXX XXXX XXXXXXXX through the NACA program. 
After receiving a Clear to Close with 1 condition on XX/XX/year> ( a clear to close that should have occurred before XX/XX/year> ), NACA and/or XXXX XXXX XXXXXXXX abruptly rescinded it and issued 20+ new underwriting conditions, many duplicative or previously satisfied. This reversal has delayed my closing by over a month with no worthwhile resolution, which has now caused my loan application to be " re-apped, '' and a new loan number has been issued, essentially starting over from the beginning. I have had to sign a new loan estimate, have my insurance modified with the new loan number, and I have been given a new projected closing date.

More seriously, I was encouraged by senior leadership involved in my loan to submit a false gift letter to satisfy underwriting requirements, but I refused. Following my refusal, my loan file has continued to be delayed, seemingly subjected to heightened scrutiny, and mishandled in a manner that appears retaliatory.

I have had to call the CEO ( whose communication during both phone calls with him was seemingly abrupt and rude ) for help on this matter.

I believe this conduct constitutes : Unfair, deceptive, or abusive acts or practices ( UDAAP ) Coercion to commit mortgage fraud Retaliation after refusal to engage in illegal activity Failure to act in good faith after issuing a Clear to Close * * * After going to social media ( XXXX  ), it's clear that my experience is the typical NACA experience * * * I am requesting CFPB intervention, investigation, and preservation of all underwriting records and internal communications related to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I am submitting this complaint regarding repeated and unwanted debt collection communications by Portfolio Recovery Associates , LLC.

On multiple occasions, Portfolio Recovery Associates , LLC, placed repeated telephone calls to me from the same and different telephone numbers over an extended period of months. Many of these calls were from different numbers, multiple times, on the same day, and overly frequent, each week. My XXXX picked up several calls from the same numbers, and I can produce the logs if necessary ; however, call volume from different numbers is documented in the screenshots of the logs submitted with this complaint. These calls occurred with a frequency and pattern that was disruptive, harassing, and unwanted. Several of these phone calls from Portfolio Recovery Associates , LLC, also connected with no live person on the line ( " dead air '' calls ). When I answered those ( " dead air '' ) referenced calls, there was silence, no identification, and no representative, and the calls disconnected shortly after.

All of these calls were excessively repetitive, unproductive, and intrusive, and appear consistent with automated or predictive dialing activity rather than legitimate consumer communication.

The volume, repetition, and use of multiple originating numbers caused distress and they not only interfered with my daily activities, but they were placed to the phone number I use primarily for my work, and were disrupting business communications and my ability to perform my job.

In addition, I received unsolicited text messages from the company. I, in fact, never provided prior express consent or any consent to receive text messages from Portfolio Recovery Associates , LLC. I did not give my phone number for text communication, nor did I opt in verbally or in writing, and I did not authorize the use of automated or manual text messaging.

As a good-faith attempt to resolve this matter prior to filing a regulatory complaint, I sent Portfolio Recovery Associates , LLC, a written settlement demand via certified mail. The letter documented the repeated calls and unsolicited text messages and included screenshots of call logs and text communications. The letter also provided the company with a reasonable response deadline of fourteen ( 14 ) business days. 

USPS tracking confirms Portfolio Recovery Associates , LLC received and picked up the certified mailing on XX/XX/year>, at XXXX XXXX in XXXX, Virginia. 

As of the date of this complaint, the company has failed to provide a substantive response within the stated timeframe. I am requesting that the Consumer Financial Protection Bureau review this matter, require Portfolio Recovery Associates , LLC to address the documented conduct, and ensure compliance with applicable federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
Dear ( XXXX XXXX XXXX ) XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2026, I transferred {$45000.00} into my personal Wells Fargo checking account from my own business account. 

On XX/XX/2026, {$22000.00} was removed from my account without notice, authorization, or any visible transaction posted, making the funds inaccessible. 

On XX/XX/2026, Wells Fargo later posted a transaction labeled XXXX XXXX XXXX Offset for {$22000.00}, indicating that Wells Fargo seized the funds through its internal recovery system and posted the debit retroactively.

When I contacted Wells Fargo, I was told only that the funds were taken due to a debt owed by the joint account holder on my checking account. Wells Fargo refused to provide any details to me, even though the funds taken belonged to me and originated from my business.

I am not the debtor, I did not authorize this withdrawal, and the money taken belonged entirely to me. Wells Fargo has no legal right to seize funds belonging to a non-debtor to satisfy another persons debt. 

Wells Fargos refusal to explain or justify the seizure while permanently removing my funds constitutes an unauthorized withdrawal, improper right-of-setoff, and deposit ownership violation.

I am demanding immediate return of the {$22000.00}, written confirmation that no further funds will be taken, and removal of any recovery or collection flags placed on my account.

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: AL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: TX

Complaint narrative:
I had the car for 3 days the turcharger went out and was not allowing air to move through the engine so not much acceleration when pressing on the patal. Also, when I purchased the vehicle I asked was there any major issures with the vehicle and the anwser was no. I went to where I purchase the vehicle and explained what was going on and he said that I would have to take the vehicle to their auto shop which was 35 miles away. I did take it there and had to wait 4 days for them to tell me that it was the starter. So, I was like okay a day later had the same issue and they told me that I would have to take it back to the auto shop for another 4 days. I had told them what the problem was but I was ignored by the company. I had taken to another auto shop to have it diagnose and it was confirmed it was the turcharger.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing a complaint against a company identifying itself as XXXX. XXXX XXXX XXXX for repeated harassment and false claims regarding a Capital One debt. 

This company contacted me six times at my place of employment and thirteen times on my personal cell phone, claiming that I would be served with legal papers for an alleged Capital One credit account. I informed them that I do not have an active Capital One account and that my previous Capital One account was settled and closed more than five years ago. 

I explicitly requested that they stop contacting me at work, yet they continued calling. When I asked them to cease contact, the representative became aggressive and dismissive, stating that they would continue calling unless I answered the phone or responded to a letter, although I have never received any written notice from this company. 

To clarify the matter, I initiated a three-way call with a Capital One representative, who confirmed directly to XXXX. XXXX XXXX XXXX that the account was closed, settled, and that I owe no balance. Despite this confirmation, the representative remained hostile and continued to contact me afterward. 

Their behavior includes : Harassment through excessive calls Contacting me at work after being told to stop False representation of a debt Threats of legal action without validation Continuing contact after the debt was proven invalid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Misled by the services provided by this company, based on the high interest rates that is more than the state requirement even with payments being made has not been bringing down the balance, they are very decisive. This company continues to break laws. they violate the Truth in Lending Act. Scamming and taking advantage on customers with unexpected fees, confusing billing, was advised i could be removed after a year of being the co-signer. abusive and deceptive practices being a subprime lender. charging additional loan terms after documents has been signed and completed. due to the inconsistency and deception of this loan, I would like the title to be released or my name removed as a co-signer, and all credit updates completed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Monday XX/XX/XXXX aroundXXXX, I attempted to deposit {$5000.00} in cash at a Bank of America drive-through ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX . There was no teller at the window with a sign stating : Drive-up service has been replaced with 24-hour ATM service.

As I put my cash in the ATM, the ATM malfunctioned during the transaction, took my cash, failed to complete the deposit, and did not issue a receipt.

I immediately went inside the branch and spoke with the manager, who told me he could not assist that the bank has nothing to do with the atms and that I needed to file a claim using the XXXX number. I filed an ATM dispute promptly. 

It has now been over a week, and despite numerous follow-up calls, there has been no resolution, no provisional credit, and no clear timeline provided besides that it could take 2 billing cycles. I have asked multiple times for escalation and provisional credit and was told Bank of America does not do provisional credits, without explanation.

This was a bank equipment malfunction, not user error. The ATM should show a cash overage when balanced. I am concerned that Bank of America is not complying with Regulation E requirements regarding timely investigation and provisional credit.

I am requesting immediate escalation, provisional credit for the missing {$5000.00}, and written confirmation of the investigation status and timeline. 

My claim # is XXXX The atm machine # XXXX. 

I went the next day and the machine was fixed and working perfectly.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX was the last time I used cash app, only time I went on the app to use it was to check my balance then within 3 days all of a sudden my account is suspended and going to get closed and forced me transfer money to accounts I dont use, I tried disputing a purchase before hand showed emails and receipts only for XXXX $ mins you to get my family member medicine and food and I wanted a refund since they had the wrong items out they said to wait and they will process the refund before I left and gave me no receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: DISCOVER BANK
State: NC

Complaint narrative:
I can not include dates, amounts or actions due to the fact that Discover will not send me any of my statements despite the fact I have repeatedly requested them. They also eliminated my statements online once I reported the false charges, so now I can't get to them there. I disputed the charges and they re-instated them on my account due to the fact that " ... I continued to make payments on my account. '' Which I did do because I also had charges on my account that were legitimate. Discover also threatened to report me if I did not pay by Reporting me. Add to that the fact that they said the reason they were " re-instating the charges '' was due to the fact that I was paying on my credit card- it was a catch 22 for me. I did pay to avoid being reported and to give them time to provide me with proof that these were indeed transactions that I completed. I requested proof that the company that was charging me provided a service or a product. And how that service or product was provided. They have yet to provide me with the requested statements, the proof that I made these transactions or anything helpful. I chose Discover and have a history of years of transactions where I used and paid for various products and services and never complained, but now that there is a problem - they are holding me responsible and requesting that I provide proof that I did not make the transactions. How do I prove I did not do something, I did not do?? I don't even know where to start as I have never heard of the company. They said they were some kind of Advertising company - I don't know of any of those or what I would even use them for?? What can I do from here?? They insist that I have to pay my statement. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
Dear ( XXXX Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation