vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
In the spring of XXXX, I took out a loan with Mohela for {$1800.00}. I paid off that loan, but later, won a scholarship at my school. Although I paid off the loan, my school also cancelled the loan on their end, meaning Mohela owed me {$1800.00} ( because I had already paid the loan ; Mohela got the money twice -- from me and from the school cancelling the loan ). Mohela sent me a letter in XXXX of XXXX  saying they would give me the refund, which I have attached. I called them yesterday because I have not received anything yet, and they have done nothing to begin processing the refund. I have been trying to get this refund for two years. Please help! Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
The business is attempting to collect a debt from me that they have failed to send me a proper bill for. They called me from a decoy number. I called back and spoke with a woman who informed me that on XX/XX/XXXXXXXX  they will report this debt to my credit report. I informed her that I needed a bill. She told me it was sent to my mailing address and email on XX/XX/XXXXXXXX  and that it will take 30-45 days to receive a bill and that they will still put this on my credit report. I searched my usps informed delivery account as well as my email for a bill from this company and I can confirm the never sent me a bill. I called back and got another agent on the phone they told me that the agent I spoke to didnt give me correct information and that it doesnt take 30-45 days to get a bill. He also confirmed with me that she didnt actually request for the bill to be sent to me, so she essentially lied and also didnt try to help me resolve this account by requesting that I actually be sent a bill. It seems like this company is using predatory practices to pressure consumers into paying something that they have no idea about by threatening to ruin their credit report. This is ridiculous and they need to be looked into, it does not seem that they are fully complying with fair consumer laws.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
I am filing a formal complaint against Sequium Asset Solutions for inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

Sequium Asset Solutions is reporting a collection account in the amount of {$160.00}, opened XX/XX/XXXX, and last reported XX/XX/XXXX. The account is incorrectly listed with Sequium Asset Solutions as the Original Creditor. 

Sequium Asset Solutions is a third-party debt collector and not the original creditor. Reporting themselves as the original creditor is inaccurate, misleading, and materially affects how the account is interpreted by lenders and scoring models. 

Additionally : I was never provided proper validation of this alleged debt. 
The reporting does not accurately reflect the true nature or origin of the account. 
This incorrect reporting has caused harm to my credit profile. 

I am requesting that : 1. Sequium Asset Solutions provide full validation of the debt, including the true original creditor, or 2. Immediately delete the account from my credit report if they can not substantiate or correct the reporting.

I am requesting CFPB assistance to ensure compliance with federal credit reporting laws and to prevent continued inaccurate reporting. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery Assoc. ( XXXX XXXX ) XX/XX/year>XXXX  {$4800.00} Sent letter requesting validation No reply ; account printout received Sent dispute request to XXXX  and XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I knew my interest rate would be high when I initially purchased the car. My interest rate and the complete purchase price of the car was not explained to me. I now owe {$22000.00} on a car that is worth {$9000.00}. I can not refinance the car because it is too old and the mileage is too high. I called XXXX XXXX to try and rectify the situation. They were unable to offer me any solution.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo closed my account in XX/XX/year>, claiming a fraudulent check. The check is legitimate, issued for my work as a State of Michigan private provider, and has been properly processed at another bank. I was allowed to open a new account, but access is blocked, preventing use of online banking. If the company properly investigated they would have been able to verify funds. 

Wells Fargo staff would not provide details of their investigation. 
Account closure and blocked access have disrupted my business operations and delayed payments. They have incorrect information labeled with my social and this is defamation. If this isn't corrected immediately, I wil be taking legal action. I attached a photo of the check in question.

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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a written request for debt validation under the Fair Debt Collection Practices Act in response to a collection notice regarding an alleged store credit card debt originally issued by XXXX XXXX  ( XXXX XXXX ). The request asked for verification of liability, proof of authorization to collect, a complete payment history, and verification of the amount claimed. 

The company received this request on XX/XX/XXXX. As of XX/XX/XXXX, no validation or supporting documentation has been provided. 

Despite receiving my written request, the company failed to provide the required information to verify the alleged debt. This lack of response prevents me from confirming the accuracy, ownership, or enforceability of the account and is inconsistent with the requirements of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
CFPB Complaint Continued Contact After Cease and Desist ( FDCPA Violations ) XXXX XXXX XXXX responded on XX/XX/XXXXXXXX  to a complaint I submitted on XX/XX/XXXX. 

In my original complaint, I explicitly requested that XXXX XXXX XXXX cease and desist all telephone contact, including calls to my personal cell phone and my employer, and that all future communication be made in writing only, via U.S. mail or email. I provided both my mailing address and email address. 

In their written response dated XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Vice President of Operations stated : As requested by XXXX, no further phone calls will be placed to XXXX on her cell phone, and we will not attempt to reach her at her employer. 

Despite this written agreement, XXXX XXXX XXXX has continued to contact my employer. 

Specifically, XXXX XXXX XXXX placed a call to my employer on XX/XX/XXXX, at approximately XXXX XXXX  ( PST ), after acknowledging my cease-and-desist request and agreeing to stop telephone communications. 

Prior to my complaint, XXXX XXXX XXXX had already engaged in excessive and repeated telephone contact, including : Calls to my cell phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  Calls to my employer on XX/XX/XXXX at XXXX XXXX  and XXXX XXXX  A call to my employer on XX/XX/XXXXXXXX  at approximately XXXX XXXX  Due to these repeated contacts, I submitted my CFPB complaint on XX/XX/XXXX. 

XXXX XXXX XXXX continued contact after receiving my written cease-and-desist request and after agreeing in writing to stop constitutes violations of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692c ( c ) Continuing communication after receiving a written request to cease communication 15 U.S.C. 1692c ( a ) ( 3 ) Communicating with a consumer at the consumers place of employment when the collector knows or has reason to know such communication is prohibited 15 U.S.C. 1692d Engaging in conduct the natural consequence of which is to harass, oppress, or abuse 15 U.S.C. 1692d ( 5 ) Causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass Despite acknowledging my request and agreeing to cease telephone communications on XX/XX/XXXX, XXXX XXXX XXXX continued to contact my employer on XX/XX/XXXX, demonstrating a disregard for both my rights under the FDCPA and their own written commitment. This is considered knowing and willful non-compliance with federal law.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I deposited {$5000.00} in cash at a Bank of America ATM located at XXXX XXXX, florida, ATM id number XXXX The ATM took my money, did not provide a receipt, and the funds have not been credited to my account. 

As a result, my account is now overdrawn, and I am experiencing financial hardship with bills that need to be paid. 

i called several times to Bank of America and told me that the investigation may take up to 10 days, but they have not provided provisional credit even though this was an ATM malfunction, not customer error. 

I requested, Immediate provisional credit, Reversal of any fees caused by this issue, and Priority handling of my case but they said i have to wait, that was the answer.i told them i have to pay bills and rent with the money but their answer was to wait again.

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 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint against Equifax, Experian, and TransUnion for reporting inaccurate and duplicate credit information, failing to conduct reasonable investigations, and continuing to report accounts that could not be verified, in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681i ( a ) ( 5 ).

Despite receiving my written disputes sent via First Class Mail on XX/XX/year>, each bureau has continued to report inaccurate, misleading, and duplicated tradelines without providing proper verification or correcting the errors. 

On XX/XX/year>, I formally disputed multiple inaccurate accounts with Equifax, Experian, and TransUnion. In each dispute, I requested validation and reinvestigation of the listed accounts, as permitted under the FCRA. Proof of mailing and copies of my dispute letters are available. 

The disputed accounts fall into the following categories : Accounts reported without proper verification Duplicate tradelines reported under different creditor names Misleading or false reporting Accounts reported despite no response to validation requests after 30+ days The bureaus have either failed to properly investigate these disputes or have relied solely on automated responses from furnishers without conducting an independent and reasonable investigation, as required by law.

The following accounts are inaccurately reported across one or more credit bureaus : XXXX XXXX XXXX Reported without validation despite written request ; no response provided after 30+ days. 

XXXXXXXX XXXX XXXX XXXXXXXX ( Duplicate Accounts ) Same obligation reported multiple times under different creditor names, resulting in unlawful duplicate reporting. 

XXXX XXXX XXXX Continued reporting despite failure to provide validation. 

XXXX XXXX XXXX XXXX response to validation request ; account remains reported. 

XXXX XXXX XXXX XXXX and false reporting in violation of FDCPA 807. 

XXXXXXXX XXXX XXXX XXXX Unverified reporting with no supporting documentation. 

These inaccuracies have materially damaged my credit profile and falsely portray my creditworthiness. 

Because of these inaccuracies : My credit profile has been significantly damaged I have experienced difficulty qualifying for credit and housing My financial reputation has been unfairly harmed I have been forced to repeatedly dispute the same inaccurate information These errors have caused real financial and emotional stress and should never have occurred if reasonable procedures were followed.

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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
XXXX XXXX ( XXXX ) XX/XX/year> {$10000.00} Sent letters requesting validation No reply ; account printout received Sent dispute request to XXXX, Experian and Transunion XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Company : PayPal , Inc . 
Product : Payment services/ PayPal account Issue : Account access frozen due to alleged legal order Desired Resolution : Immediate restoration of account access and removal of all restrictions Complaint Description : PayPal placed a limitation on my account on or about XX/XX/year>, freezing my ability to send money, withdraw funds, and conduct ordinary transactions. PayPal claims this action is based on a legal court order allegedly associated with a third-party intellectual property case. 

I was never served with any summons, complaint, temporary restraining order, or other legal process prior to the account restriction. I have repeatedly requested a copy of the court order PayPal claims to be enforcing, proof of valid service upon me, and confirmation that the order is enforceable against me or my account. PayPal has not produced any such documentation.

Notice by PayPal email does not constitute service of process. A court order that is unserved, sealed, or otherwise not binding on a non-served party can not lawfully be enforced through an account freeze.

Instead of providing legal authority, PayPal has directed me to contact a private law firm and has conditioned restoration of my account on resolving a private dispute, despite the absence of proof that any enforceable order exists.

PayPals continued restriction of my account without proof of service or enforceability has caused financial harm and disruption. I am requesting regulatory intervention to require PayPal to either ( 1 ) immediately restore my account or ( 2 ) produce authenticated legal documentation establishing that it is legally required to maintain the restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Last year during the escrow analysis in XXXX my homeowner insurance went up due to getting a new roof in XX/XX/XXXX Which became hazardous insurance for {$7000.00} since I didnt get the roof repaired until XX/XX/XXXX. I updated the information with insurance company so they could give me a better quote and they did which is now {$4000.00}. The policy declaration was sent to to WellsFargo XXXX Mortgage in late XX/XX/XXXX. On XX/XX/XXXX I noticed my mortgage went from {$1000.00} to {$1500.00} so I called them with my discrepancy and concerns. The mortgage has been changed since that date to {$1300.00}. I have noticed now on my escrow analysis online that I have a shortage of {$7100.00} so I called WellsFargo escrow department on XX/XX/XXXX with my concerns again. The agent stated the difference of the shortage comes from back pay in XXXX when I had a shortage and they divide it up in 60 months. The craziest thing I checked my escrow analysis in XXXX it was a shortage of {$220.00}. XXXX it was a shortage {$660.00} then in XX/XX/XXXX it was shortage {$4000.00} till XX/XX/XXXX it went to shortage {$9000.00}. My mortgage used to be {$740.00} the beginning of last year to now {$1300.00} in less than a yr over the discrepancy of escrow analysis the breakdown is XXXX XXXX monthly for property tax 12 months, {$380.00} for property tax for XXXX  months the escrow shortage for {$250.00} for 28 months the overall escrow amount {$930.00} not including my interest and principal. Please help

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 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: CA

Complaint narrative:
We are experiencing a temporary financial hardship and proactively contacted Selene Finance before our mortgage became delinquent to request mortgage assistance and loss mitigation. 

On XX/XX/XXXX, we emailed Selene Finance requesting information regarding mortgage assistance and loss mitigation. We did not receive a response other than an automated confirmation. We followed up again via email on XXXX and again received only an automated response.

We then submitted an official Request for Mortgage Assistance through Selene Finances online portal. On XX/XX/XXXX, we received an automated message stating that our case had been opened. We submitted all required documentation the same day and again received only an automated response. 

After continued lack of communication, we emailed XXXX on XX/XX/XXXX to follow up, after calling and being told to continue checking the online portal for updates. During this time, our mortgage became delinquent. 

On XX/XX/XXXX, we logged into the portal and discovered Selene Finance had revamped its website and portal. Our original Mortgage Assistance Request was no longer visible, and we were required to submit a new request. We did so and again received an automated notice that a case was opened. 

On XX/XX/XXXX, we received an email stating our submitted documents were completed. Upon checking the portal, the status showed reviewed and completed, but no decision was provided. 

We made a payment of {$4400.00} on XX/XX/XXXX for XXXX mortgage while awaiting a decision. 

In early XX/XX/XXXX, we received a letter from Selene Finance stating that a decision regarding our Mortgage Assistance Request would be made by XX/XX/XXXX. As of XX/XX/XXXX, no decision has been made, the portal status still shows reviewed, and we have received no further communication or documentation. 

Despite repeated outreach and full cooperation, Selene Finance has failed to provide timely communication or a decision regarding our mortgage assistance request, placing us at continued risk of further delinquency. We are actively attempting to resolve this matter and are seeking assistance before our account becomes further delinquent due to delays outside of our control.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX XXXX is my XXXX  XXXX, XXXX XXXX. After weeks upon months of successful transactions, suddenly the years first XXXX both errored GLITCH status pending ALLOWS FOOT IN THE DOOR RE-ACCESS THREAT. Exposing networks including MY PERSONAL SENSITIVE INFORMATION AND ACCOUNT $ $ $ at extremely high risk, i find it offensive as a stakeholder to be treated like the staff of cashapp card failed me today Please resolve exactly like the prior week! Delete the XXXX  STATUS TAG. The transaction is closed. Cash collected, solved, w NO FURTHER ACCESS OR CAPTURE AVAILABLE TO MERCHANT. Instead a processor trick appears ( pending/ open door vulnerability is an urgent matter. I can not imagine waiting another WEEK IN WATCHFUL WAIT OF malaction. Bad guy unauthorized re-entry is a portal to ORGANIZATONAL DISASTER. Exposes sensitive information w potential assets risk

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
collector is harassing me and damaging my credit profile i have closed my account with XXXX with XXXX balance.

Company response to consumer: Closed with non-monetary relief