vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Cease and Desist FDCPA Violations Account Number ( s ) : Any and All Accounts Allegedly Associated With Me To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you are hereby directed to CEASE AND DESIST all communication with me immediately regarding any alleged debt you claim I owe.

This includes, but is not limited to, phone calls, voicemails, emails, text messages, postal mail, credit reporting communications, and contact with third parties. This directive applies to Portfolio Recovery Associates , LLC, its employees, agents, affiliates, assigns, and any third party acting on your behalf.

Furthermore, any continued reporting of this alleged debt to consumer reporting agencies without my express consent, while simultaneously being prohibited from communicating with me, may
constitute violations of : 15 U.S.C. 1692e ( False or misleading representations ) 15 U.S.C. 1692f ( Unfair or unconscionable practices ) Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 If you are unable to legally pursue collection or validate this alleged obligation, you are required to promptly request deletion of any tradeline you have furnished to XXXX XXXX and XXXX. 
You may only contact me again for one of the following legally permitted reasons : 1. To confirm in writing that you will comply with this cease and desist request ; or 2. To notify me of a specific legal action you intend to pursue.

Any communication beyond these two narrow exceptions will be documented as willful noncompliance and harassment and may result in civil action against your organization. I reserve the right to seek statutory damages of up to {$1000.00} per violation, actual damages, attorneys fees, and costs pursuant to 15 U.S.C. 1692k.

This letter is not an acknowledgment of liability, nor an admission of any debt.

Govern yourselves accordingly.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I don't recall ever receiving a notice from this company trying to collect a debt from XXXX  XXXX. On top of this, this company has reported the account on my credit reports. This is known as debt parking by the FTC. I have disputed the account and it came back verified as accurate without providing me any documentation to verify the debt. I demand that this company show me proof that they sent me an initial notice pursuant to the FDCPA 1692g by providing the green return receipt or the shipping number of the collection/dunning letter. I also demand that this company provide me with proof of the alleged debt such as a copy of the contract and all the statements. Lastly, I demand that this company provides me proof that they are legally allowed to collect pursuant to New York state laws and the FDCPA by providing a copy of the purchase agreement or assignment agreement. Otherwise I demand that they delete the account from my credit reports.

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 — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I tried to get the bank of america checking account XXXX dollars sign up bonus. 
I opened a checking account in XX/XX/XXXX by clicking the right promo link. I met the requirement by making more than {$10000.00} dolalrs direct deposit within 90 days. I do not receive the bonus today ( XX/XX/XXXX ). 

I contacted the customer service and they told me i was not enrolled in the promotion. maybe the the system did not apply the promo code XXXX. Could you please help me get this XXXX dollars bonus.

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: 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: OK

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 non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: IL

Complaint narrative:
The finance company never sent out a XXXX  letter prior to XXXX  West Lake finance are crooked individuals. They told me to pay {$3700.00} for the release of my 2014 vehicle which I put {$15000.00} down on the vehicle and had no knowledge of a card note until they XXXX  my vehicle the first time for being 30 days late I was told at the dealership that I was purchasing a {$5000.00} insurance on the vehicle for the life of the vehicle which covers everything under the hood of the vehicle I didnt know it was unaware that they made it into a car note the dealership XXXX   my vehicle without my knowledge without informing me. I paid the fee that they requested, which Ive been paying $ XXXX  monthly for two years and when I was late from being in the hospital, they took my vehicle. I called them back to retrieve my vehicle after making a payment, which they keep on giving me the runaround and wont release my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
COMPANY DEMANDING PAYMENT AND SETTLEMENT BY TEXT WITHOUT SENDING VALIDATION NOTICE

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PatientFi, Inc.
State: CA

Complaint narrative:
Product : Medical / Cosmetic Financing Company : PatientFi I am filing a formal complaint regarding an unauthorized and disputed medical financing charge processed by PatientFi in connection with a clinic called XXXXXXXX XXXX XXXX ( also known as XXXX XXXX XXXX XXXX ) in XXXX XXXX, California. 

On my visit date, XX/XX/year>, I went to the clinic for a promotional facial advertised on XXXX. After the service, I was subjected to a high-pressure sales encounter and rushed through signing documents without clear explanation. I was not informed that a financing application was being submitted, nor was I given clear disclosure of pricing, interest rate, or total repayment terms. 

PatientFi later processed a loan for {$4800.00} at an interest rate of 32.99 %. I immediately attempted to cancel once I realized what had occurred. No services beyond the basic promotional facial were knowingly authorized. 

Although PatientFi initially acknowledged cancellation of the loan, they later claimed that {$1200.00} remains due, allegedly for a treatment rendered. The clinic has produced only a non-itemized receipt that does not describe specific services, pricing, or informed consent. Any product provided was returned unused. I did not authorize a standalone {$1200.00} service, nor did I receive an itemized invoice at the time of service. 

PatientFi has refused to further dispute the charge and has directed me back to the merchant, despite the lack of valid documentation and ongoing dispute. 

I am requesting CFPB assistance to : Require PatientFi to void the remaining {$1200.00} balance Ensure no negative credit reporting occurs Investigate PatientFis practices related to high-pressure cosmetic financing and inadequate disclosure This charge is unauthorized, unsupported by itemized documentation, and the result of deceptive and coercive sales practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Although I pursued education with the intention of improving my financial stability, the ongoing burden and reporting of my student loans has had long-lasting effects on my economic well-being. Inaccurate, inconsistent, and prolonged reporting related to deferment status, payment history, and account dates has negatively affected my credit profile beyond what is reasonable or reflective of my actual financial behavior.

As a result of the student loan reporting, I have experienced difficulty qualifying for reliable transportation, affordable credit, and housing opportunities. Negative or inaccurate information has limited my ability to access fair interest rates and has increased my overall cost of living. This has created ongoing financial strain, even though I have remained responsible with my other credit obligations.

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 — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
From XXXX thru XXXX i had been repeatedly defrauded by online casinos claiming to be legal and legit. They defrauded me of over {$2000.00}. The state of tn found them to be in violation of several consumer protection laws. So i contact XXXX  to dispute these charges that cheated me and stole from me. I explained the situation to XXXX  and they denied my dispute with no reason whatsoever. I file an appeal and it too aas denied. I am pretty sure that in this instance where I was defrauded and upon finding this out and reporting to XXXX, when they decide not to help me recover my stolen money, they are now liable and possible accomplices in this crime ring. Theres no other explanation as to why they refuse to help me. The law states that if I file a dispute, XXXX  is to contact the merchant and if the merchant cant provide proof of operating legally at the time then money is to be returned to my account. XXXX  cant just decide they dont want to follow the law. I want my money back.

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: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I signed up for a XXXX  XXXX. The reason I signed up was because I saw they offered {$200.00} in cryptocurrency if I spend {$3000.00} by XXXX. I am trying to charge my daughters summer camp, which is {$1100.00} and it won't go through. I called the company twice and they said that its an automatic thing that their computers think the website I am charging on is fraudulent and to use a different credit card. But the whole point is to meet that {$3000.00} so I get the {$200.00} quota. If I call a company, verify all my information, confirm I am making the transaction, it should be able to go through and despite my efforts, they still wont or cant let it go through. I find their advertising to be deceptive and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX

Complaint narrative:
Around the XXXX of XXXX, I sent a request to sunshine loans about settling my loan in the amount of XXXX because my financial situation has changed drastically. I sent them a letter explaining my situation. They replied back that they couldnt and will not accept my offer and requested me to pay back nearly XXXX dollars for a XXXX dollar loan. They also have taken a few weekly payments of a XXXX dollars. This is unreasonable and unmanageable due to my situation.

Company response to consumer: Closed with explanation
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: Bounce AI, Inc.
State: AL

Complaint narrative:
Dear Sir or Madam, I am formally requesting validation of the above-referenced debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

This letter is not a refusal to pay, but a notice that your claim is disputed and validation is required before any further collection activity may continue.

Please provide the following documentation : 1. The name and address of the original creditor 2. The full account number of the original debt 3. A complete accounting of the balance, including interest, fees, and charges added 4. A copy of the original contract, application, or agreement bearing my signature 5. A copy of the charge-off statement from the original creditor 6. Proof that your company has legal authority to collect, including licensing for my state 7. A complete chain of title showing all transfers of ownership from the original creditor to your company 8. Documentation showing that the debt is within the statute of limitations If you can not provide these documents, you must cease all collection activity, including credit reporting, pursuant to federal law.

Until validation is provided, you are required to : Stop reporting this account to all credit bureaus Stop contacting me Stop all collection efforts Failure to comply will constitute violations of : FDCPA 15 U.S.C. 1692g, 1692e, and 1692f Fair Credit Reporting Act ( FCRA ) This letter is being submitted as part of a formal Consumer Financial Protection Bureau ( CFPB ) complaint, and I expect full compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
About a year ago I asked Mr Cooper to remove the escrow from my account after the insurance company more than doubled their premium without my knowledge. I was told to pay the insurance for XXXX year in advance and then Mr Cooper would reevaluate my request to remove the escrow. During this year I had to pay the inflated escrow amount ( which was based upon the old insurance premium ), despite the fact that I had cancelled the old insurance and paid the insurance premium for XXXX year in advance with a different insurance company. Now, after XXXX year, Mr Cooper is still refusing to remove the escrow from our account for no reason. I feel that Mr Cooper has a financial interest in keeping the escrow accounts. I kept paying an escrow amount which was unjustified and even if Mr Cooper refunds the amount which was overpaid, they received this money interest free. Their refusal to remove the escrow from my account is unjustified, especially since I am already paying insurance and property taxes myself.

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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened up a complaint with chase bank about transactions the I was overcharged with I made a payment to my OWN credit card but instead of taking out minimum payment they took out the full balance and also charge me the FULL amount from different bank too I provided all this documentation to Chase Bank and they declined my claims stating that the transactions were authorized. And I went back and forth with them explaining that Transactions from XXXX XXXX  WERE AUTHORIZED JUST IN WRONG AMOUNT AND FOR TRANSACTION FOR XXXX  XXXX IS FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
Consumer Name : XXXX XXXX ; Email : XXXX ; Product Type : Money transfer / prepaid account / remittance services ; Complaint Category : Account closure ; access to records ; compliance with CFPB order ; Electronic Fund Transfer Act ( Regulation E ). Complaint : Wise US Inc. closed my Wise account after the issuance of the XXXX XX/XX/XXXX enforcement order, as amended on XX/XX/XXXX, in CFPB Docket No. XXXX. The closure occurred despite the fact that Wise is subject to ongoing post-order compliance obligations under the Consumer Financial Protection Act ( CFPA ) and the Electronic Fund Transfer Act ( EFTA ), including record retention, error-resolution, and consumer access to transaction information. 

On XX/XX/XXXX, Wise informed me by email that it had decided to keep [ my ] account closed, refused to provide any specific reason, and stated only that a refund would be issued to an account I previously designated. Wise simultaneously cut off my access to the Wise platform and historical account data.This closure is not a routine termination. It occurred after the CFPB entered a consent order and amended consent order against Wise US Inc. for violations of the CFPA and EFTA, including failures relating to disclosures, error resolution, and document retention. The CFPB expressly required Wise to implement measures to ensure compliance going forward and to maintain adequate policies, procedures, and consumer protections. Despite this regulatory backdrop, Wise has : 1. ) Denied me access to my complete account history, including credit card funding records, domestic transfers, andcriticallyforeign remittance transactions. 2. ) Provided no meaningful explanation for the closure, while relying on vague references to how were regulated, which does not override statutory duties under EFTA and Regulation E. 3. ) Impaired my ability to meet accounting, tax, and legal obligations, including reconciliation of cross-border remittances and transaction records that Wise itself generated and processed. I am not requesting unrestricted account reinstatement. Instead, I proposed a narrowly tailored, compliance-oriented resolution : Wise should re-open the account under restricted usage, prohibiting outbound transfers for 180 days, while restoring read-only access to all historical transaction data. Wise refused this proposal. Wises refusal to provide even read-only access to my own transaction records appears inconsistent with its post-order obligations under CFPB enforcement , EFTA record-retention requirements, and basic consumer-protection principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XXXX I request the amount directly from Shellpoint mortgage services in order to cover the XX/XX/XXXX % in order to remove my PMI. 
This process was started XX/XX/XXXX. 
Shellpoint/Newrez denies the starting date until XX/XX/XXXX. 
I have the withdraw stating otherwise. 
On XXXX I made this payment and requested to begin the process to remove my PMI. 
After this, I was told my loan qualified for the removal. 
XXXX XXXX later I receive a letter in the mail stating I needed to complete an appraisal that would cost {$150.00} which I authorized them to do. 
XXXX weeks later I called again, they needed the {$150.00} again and the process would take XXXX business day to complete. 
After XXXX more weeks I called and they stated I should have recieved an appointment to have my property appraised. Never did. 
I paid again the {$150.00} and started another process. 
XXXX weeks after, called again. 
After the conversation I was given a website with an electronic mail where I received a message stating that my XXXX XXXX enough to qualify for the removal of my PMI. 
My loan is now at 79 % and my equity is in excess of $ XXXX XXXX loan was XXXX  XXXX with a XXXX XXXXXXXX downpayment. 
No details are provided in the XXXX letter or how to proceed in order to meet their PMI removal requirements. 
They continue to charge for my PMI every month and have been since XXXX when they specifically gave me the amount I paid in order to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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 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