vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have been a loyal PayPal user for numerous years, but on XX/XX/XXXX, my account was incorrectly permanently limited. I only use my account for regular shopping purchases, paying back my fiance for errands ( through friends/family ), automatic bills, Pay in # payments online, and savings through PayPal Savings . I do NOT sell goods or services, and I just use it as a regular member. 

Here are several examples of recent transactions : XX/XX/XXXX : {$5.00} sent to XXXX XXXX XX/XX/XXXX : {$5.00} sent to XXXX XXXX. 

XXXX : {$99.00} for my Pay in 4 payment Upon reviewing my own account, I saw that on XX/XX/XXXX, an unauthorized charge of {$0.00} AUD was sent to me by an unknown XXXX XXXX. However, I reported this charge to the resolution center on XX/XX/XXXX as well ( Case # : XXXX ) to show that I do not know her and I am not involved in any fraudulence. Besides that one-off event, all of my other transactions have been completely normal. XXXX, a representative from PayPal, responded to my initial email to share that my account is still closed, but I still find his response unsatisfactory. 

All in all, I am extremely upset that my account has been permanently limited and I want to take all the steps possible to receive my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery is reporting and attempting to collect a debt of {$910.00} that I disputed and that they have never provided proof of ownership/validation for. The same account has been added to my credit report, removed, and then re-added again, multiple times, with no new proof and no meaningful validation provided to me. I requested that Portfolio Recovery provide proof/validation, including items such as : Documentation showing they own the account or have authority to collect ( assignment/transfer documentation ), Itemized records showing the debt is accurate, Proof the account is correctly linked to me, and Any documents they claim justify continuing to report it. 

They have not provided proof of ownership or adequate validation. Instead, they continue to report the account ( or re-report it after removals ) despite the lack of supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 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: CA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding the mishandling of my Teacher Loan Forgiveness application by Nelnet and the conflicting information I have received from both Nelnet and XXXX XXXX XXXX ( XXXX ). My application has been stuck in limbo due to contradictory statements about who is responsible for approving and processing it. 

Details of the Problem : I submitted a Teacher Loan Forgiveness application to Nelnet. On XX/XX/year>, Nelnet sent me a letter stating that my application was materially complete and that I appear to meet the criteria for forgiveness. The letter also states that Nelnet forwarded my application to the Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( FSA ) for final review. 

However, when I contacted XXXX, I was told that they do not process or approve Teacher Loan Forgiveness applications and that only the loan servicer ( Nelnet ) can review and apply forgiveness. When I contacted Nelnet again, they told me the opposite that only XXXX can approve the forgiveness and that they ( Nelnet ) can not take further action. 

This has resulted in a complete standstill where : Nelnet says XXXX must approve the application XXXX says they can not see or approve the application No one is processing my forgiveness I can not get a clear answer or resolution This contradicts the Department of Educations published guidance that loan servicers are responsible for reviewing and approving Teacher Loan Forgiveness applications. 

Impact on Me : Because of this miscommunication and lack of action, my forgiveness has been delayed for months with no progress. I have spent significant time calling both Nelnet and XXXX, only to be given conflicting information. I am being denied the relief I qualify for due to a servicing error and lack of accountability between agencies. 

Attached Evidence : I have the letter from Nelnet dated XX/XX/year>, stating that my application was complete and forwarded to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was hacked on my PayPal account. I have provided PayPal with the last time I used their service, which was over 5 years ago. They have not stopped harassing me since 2024, regarding this and sending me bills. They call me daily and tell me I owe this money that was taken from me. They sent me a refund check, for a specific amount of money and then fixed my account to XXXX $ in XXXX of XXXX then added over XXXX to my account and have been harassing me to pay. The check specifically said refund check. They have been consistently harassing me for money I do not owe. I was hacked. I had closed my account before they sent me the refund check. So I dont understand who, or how I could possibly owe them anything. The harassment has caused me fear and difficulty working bc its every day.

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 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, we made multiple purchases at Best Buy using a XXXX-issued Best Buy credit card under a XXXX-month No Interest with Payments promotional financing agreement. These promotional balances and expiration dates ( XX/XX/XXXX ) are documented on Citibank account statements. 

When the first statement period posted in XX/XX/XXXX, autopay was mistakenly set to pay the full promotional balance. We immediately contacted Citibank, and Citibank refunded the payment and reprocessed the balances. Account statements show Citibank internally transferring the balances to specific promotional financing buckets ( XXXX XXXX XXXX XXXX XXXX ) and issuing a credit balance refund. 

After this reprocessing, interest was incorrectly assessed on the account. Citibank later reversed at least XXXX interest charge, confirming the interest had been charged in error. However, despite multiple calls over an extended period and repeated acknowledgments by Citibank that the promotional financing had not been properly reapplied, the account was never permanently corrected. 

We relied in good faith on Citibanks repeated assurances that the error would be fixed and remained on autopay. In XXXX, we were informed that the promotional period had expired and that nothing could be done, despite Citibanks own records showing the promotional terms, expiration dates, internal balance transfers, and prior interest reversals. 

The interest charges and resulting balance are the direct result of Citibanks failure to properly reapply and maintain the promotional financing after refunding the mistaken payment and reprocessing the account. 

Requested Resolution We request removal of all interest charges resulting from this error, recalculation of the account as if the promotional financing had been properly applied from inception, correction of the account balance to reflect all payments without improper interest, and cessation of any collection activity related to this disputed amount.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They have reported this alleged debt to one or more consumer reporting agencies without first validating the debt, in violation of federal law. I was never provided debt validation prior to this account being placed on my credit report, nor have they supplied validation upon request. 
Specifically, they have failed to provide the following required documentation : The original signed contract bearing my wet signature The complete payment history The bill of sale Proof of assignment and transfer of ownership The flow agreement showing a lawful chain of custody of the alleged debt Without these documents, the alleged debt can not be validated, and any continued reporting is inaccurate, misleading, and unlawful. 
Furthermore, a debt can not be validated while it remains actively reported on a consumer credit report. Reporting an unvalidated debt constitutes continued collection activity and is prohibited. 
Additionally, under 15 U.S.C. 1681b ( Permissible Purposes ), you are required to have a lawful, permissible purpose to furnish information to a consumer reporting agency. I did not give them written, verbal, or implied authorization to furnish any information regarding this alleged account to my credit report. As such, there reporting lacks permissible purpose and violates the Fair Credit Reporting Act ( FCRA ). 
There actions also violate 15 U.S.C. 1692g, which requires proper validation of an alleged debt upon notice and prohibits continued collection activity until validation is provided. 
Accordingly, they are hereby instructed to : Immediately cease and desist all collection efforts Immediately remove all reporting related to this alleged account from all consumer reporting agencies Provide written confirmation that this matter is closed and that reporting has been permanently deleted Failure to comply will leave me no choice but to pursue all available remedies, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursuing private legal action for violations of federal law. 
This letter is sent without waiver of any rights, claims, or remedies, all of which are expressly reserved. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My loan # XXXX I am not clear as to who is servicing my mortbut it is messy. I was with XXXXXXXX XXXX XXXX XXXXnd several years ago they switched me to NewRez LLC DBA Shellpoint Mortgage Servicing XXXXXXXX XXXX XXXX XXXX, SC XXXX Customer Service XXXX Over the course of two years I have been given erroneous information as to what the mortgage payments should be. Over a year the company told me the escrow was negative due to the property taxes and they switched the mortgage payment from {$1800.00} to {$2400.00}. Then in XXXX the company told me because I broke the payments up within the month the funds have not been applied and I am in a deficit of {$6700.00}. The company has charged me for hazardous insurance because as they stated, I dont have it ; when they paid the home insurance. The company has sent a representative who comes to the house, not ever identified who they are, and takes pictures of the home. The company sent me information dated XX/XX/year> with pictures taken by the individual regarding the home to justify a fee that I should not be charged because of there errors on the mortgage. I am confused as to where the payments have been applied and why the mortgage has doubled again less than a month. I need help in rectifying this problem with this rogue mortgage servicing company.

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 2026-01-12 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Beginning on XX/XX/XXXX, Experian charged my card {$26.00} per month for a subscription I did not knowingly authorize. These charges continued through XX/XX/XXXX, for a total of XXXX charges and {$520.00}. 

I discovered these charges only by reviewing my bank transaction history. Experian never sent any billing notices, invoices, or email confirmations when they charged my card, which prevented me from discovering the recurring charges. 

On XX/XX/XXXX, I contacted Experian to dispute the charges and request a refund. I asked for proof of my authorization, records showing when and how I was enrolled, and copies of any billing notices. Experian representatives stated that I signed up online but refused to provide any documentation or proof of consent. 

Experian also confirmed that they do not send email receipts or billing notifications when they charge customers cards. When I told the supervisor this was unacceptable and prevented me from discovering the charges, she said, Thats just how we do it. When I requested escalation and a full refund, the supervisor hung up on me instead of addressing the dispute. 

I am formally disputing that I ever provided informed consent to a recurring {$26.00} subscription. The enrollment occurred during a credit-check flow that used pre-checked boxes and buried billing disclosures, which constitutes a deceptive or dark-pattern enrollment. I am requesting a full refund of {$520.00} and written confirmation that the account is canceled.

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 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XXXX XXXX I purchase a property on Foreclosure on Florida XXXX XXXX XXXX house, Newrez Llc XXXX provide a certificate of title on XXXX XXXX to my company " XXXX XXXX XXXX XXXX' but short after on XXXX XXXX files with the XXXX court a Assignment of the same mortgage for the Decease person " XXXX XXXX XXXX '' XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I call the lawyer of the original Foreclosure and they said the case is close, did not provide any other information because I am not the original owner of the said Foreclosure Mortgage, I call Shellpoint and XXXX XXXX  XXXX and received the same answer, they can not provide information to me because they need the person of the loan, In the meanwhile my property at XXXX XXXX XXXX, it shows a XXXX as " ASSIGNMENT of Mortgage '' under the Deceased person name mention above. 
please see the following documents provided bellow.

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 2026-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Company : Capital One Product : Credit card Issue : Fraud investigation / Unauthorized charges What happened? 
Capital One issued temporary credits for 12 unauthorized transactions totaling {$1600.00} from merchant XXXX ( XXXX # XXXX ). I am now providing formal written confirmation that these charges were fraudulent to ensure the credits become permanent. 

Why is this wrong? 

I never authorized these transactions, maintained possession of my card, and have no relationship with XXXX. 

I received no authentication texts, OTP codes, or verification requests from Capital One for these charges. 

I have filed a police report for identity theft and provided sworn affidavits. 

Without these fraudulent charges, my account balance should be {$0.00} ( currently {$1500.00} with temporary credits ). 

How would you like the company to fix the problem? 

Make the temporary credits permanent ( {$1600.00} ). 

Correct my account to reflect a {$0.00} balance. 

Provide written confirmation that no negative credit reporting occurred. 

Close the investigation in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX Account XXXX and/ XXXX Dear Jefferson Capital System 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 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. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Midland Credit Management , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Alleged Balance : {$570.00} To Whom It May Concern, I am writing in response to your correspondence dated XX/XX/XXXX, regarding the above-referenced account. I dispute this debt in its entirety and am requesting validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 
Please provide the following : Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement or application. 
Documentation showing the complete account history, including the date of default and an itemized breakdown of the amount claimed. 
Proof that Midland Credit Management , Inc. has the legal right to collect this debt, including documentation of assignment or sale from the original creditor. 
The name and address of the original creditor and the original account number. 
Proof that this debt is within the applicable statute of limitations. 
Until you provide the requested validation, you must cease all collection activity, including reporting this account to any credit reporting agency. If this account has already been reported, please immediately mark it as disputed. 
This letter is not an acknowledgment of liability nor a promise to pay. It is a request for validation only. 
Please respond in writing only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am filing this complaint regarding my secured credit card account with Huntington Bank. 

For several months, I have repeatedly requested that Huntington close my secured credit card account and apply the security deposit on file to pay off the remaining balance. I have made these requests in person at a branch approximately seven ( XXXX ) times and by phone approximately eleven ( XXXX ) times. Each time, Huntington representatives confirmed that the account could be closed, that the deposit could be applied to the balance, and that a supervisor would follow up with me. No supervisor has ever contacted me, and no action has been taken. 

Despite my repeated requests and authorization, the account remains open and active. As a result of Huntingtons failure to act, late payments have now been reported to my credit reports, causing direct and ongoing harm to my credit. These late payments would not exist had Huntington closed the account or applied the secured deposit as I requested.

I have acted in good faith and made extensive efforts to resolve this issue directly with Huntington. The bank has failed to follow through on its representations, failed to provide supervisor follow-up as promised, and failed to prevent avoidable credit reporting damage.

Company response to consumer: Closed with explanation