vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Since on or about XX/XX/XXXX, Midland Credit Management , Inc. ( MCM ) has sent me repeated written debt-collection letters on an alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ending XXXX, claiming a balance of {$16000.00} ( MCM account number XXXX ). I have responded to every letter with a written dispute, request for validation under 15 U.S.C. 1692g, and an instruction to cease communications. MCM has continued to mail letters at a rate of approximately XXXX to XXXX per month, alternating its return address between XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX and XXXX XXXX XXXXXXXX, XXXX, MI XXXX. This is the XXXX substantive response I have been required to send. MCM has never produced lawful validation : no signed cardholder agreement, no complete itemized account history from opening through charge-off, no executed bill of sale or assignment agreement specifically identifying account ending XXXX, and no clear identification of which Midland entity actually owns the alleged debt ( Midland Credit Management , Inc. or Midland Funding LLC ) versus which one is merely servicing it. On XX/XX/XXXX, MCM sent a letter captioned " Pre-Legal Notification. '' That letter expressly invokes 15 U.S.C. 1692c ( c ) the cease-communication statute to advise that MCM intends to invoke a specific remedy by potentially forwarding my account to an attorney for litigation. The same letter then states : " we will no longer be contacting you regarding this account by phone or in writing unless allowed or required by law or you request that we resume communications. '' MCM can not simultaneously rely on the narrow 1692c ( c ) suit-notice exception and continue its prior pattern of repeated written contacts. Each subsequent dunning letter from either MCM address would itself violate 1692c ( c ). On XX/XX/XXXX, I am sending MCM a strong follow-up certified letter to both the XXXX XXXX and XXXX, MI addresses, renewing my dispute, demanding validation for the fifth time, reaffirming the cease-communication demand, and putting MCM on notice that filing suit on an unvalidated debt particularly without a chain of title specifically identifying account ending XXXX would itself violate 15 U.S.C. 1692e and 1692f. I am filing this CFPB complaint because MCM 's pattern of conduct repeated written contacts after multiple written disputes and cease-communication demands, alternating return addresses, threats of suit while refusing to produce account-level chain of title constitutes harassment and oppression under 15 U.S.C. 1692d, and because MCM 's XX/XX/XXXX letter can not lawfully be reconciled with its prior contact volume.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am updating a cfpb case number XXXX regarding an alleged credit bank debt for {$840.00} XXXX I'm experiencing severe harassment because it's that debt keeps bouncing around between multiple collection agencies causing extreme confusion and contradicting terms on XX/XX/XXXX I received a conflict letter from XXXX and XXXX XXXX XXXX XXXX research claims that debt is verified by an internal data sheet that explicitly is not an original credit statement while their paperwork shows the debt was sold and bounce around for separate times in XXXX along concurrently XXXX XXXX XXXX send an initial notice starting a brand new 30 days statutory dispute window passing and verify dead back and forth between multiple XXXX to bombard me with notices in deceptive and constitute harassment under the fdcpa they are reopening and verify account to my credit filed with the providing an original sign contract or itemized providing personal liability

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I have applied for forgiveness in 2024. I am XXXX and have XXXXXXXX XXXX and am on XXXX as well as having XXXX. My doctor has sent over the paperwork, and we sent it in. My loan went into forbearance, and every time I called they said they are still processing it. After about XXXX months, they claimed that they did not have my information so we sent it again, and again same thing happened. Now they are sending me to collections. I meet the eligibility for loan forgiveness and that is what I am asking for. I want them to fix this issue, take me out of the collections, and make sure that it does not impact my credit score. I have too many health issues and this is causing me additional stress. They are not willing to work with me, and have lied stating they never received my paperwork, but then that they are reviewing it. I have asked them couple of times, how could they be reviewing things they have not received, and they would not answer that question either. I am asking for a resolution again which is, forgive the loan, take it out of the collections, and make sure that the credit bureau is updated and not negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I applied for loan with sofi and was approved I gave them all the information needed from personal information to where I wanted funds sent. I was approved and I ended up signing the paperwork. The status of my loan was on funding status for a week before I logged into my account and found out I needed more info to verify my bank. I was never sent a notification to submit this additional information. I was lucky to see it and submit the info needed which was a voided check with a bank stamp. I contacted support and was told that my check was not accepted because it didnt have a stamp when I reality the stamp was on the paper and the agent helping me agreed and saw the stamp after me telling her about it. Now I am waiting again to be funded only because I was proactive in questioning the app. I have screenshots of the agent agreeing with me and saying they made mistakes they wont do again but I have to wait up to XXXX days now!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Real Estate Equity Exchange, Inc. d/b/a Unison
State: FL

Complaint narrative:
I am filing a complaint against Unison regarding conduct that interfered with my ability to sell my home during an active foreclosure situation. I had a legitimate pending sale/buyer and attempted to complete the transaction to avoid foreclosure and preserve housing stability. Unison delayed and/or obstructed the process by failing to timely provide required approvals, payoff information, or cooperation necessary to close the transaction. As a result, the foreclosure situation worsened significantly and ultimately contributed to my loss of housing and severe financial harm. I believe Unison acted unreasonably and in bad faith despite being aware that delays could cause catastrophic consequences. I am requesting a full investigation into their conduct, communications, timelines, and handling of my file.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year>, I lost {$9200.00} due to fraudulent transactions on my account with Bank of America. I have just opened this account with them. I did not receive any emails or text notifications regarding these transactions. I only became aware of the issue when my card was declined during a purchase at a store. I reported the fraud immediately, but they still refused to reimburse my money.

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 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a call from a BOA alert about a transaction! Then immediately received a phone call stating he was with BOA. He was asking questions I didnt feel comfortable answering and hung up. Immediately called BoA, on hold XXXX minutes. During hold I was trying to sign in on computer and password would not work. I knew something was wrong. BOA confirmed an access by a device in XXXX, asking if I gave my info to family etc. I said no. I was able to change password and see accts and saw a {$17000.00} transaction coming out of my checking acct. I was requesting this be stopped. I feared fraud. They were not too concerned and said it was going to my XXXX. I asked who authorized this, I had not! We agreed to take a draw on XX/XX/year> for {$60000.00} and the bank would charge us a lower rate if we kept that balance for 4 months. Now my rate will be affected. I was on calls for XXXX hours XX/XX/year> trying to get if fixed, stopped etc. no one could do it, in fact they were mad because I was so upset that they threatened to hang up on me. After hold XXXX minutes each call to talk with someone who could stop the transaction! I believed the money was going out the door. I finally had an employee stat she could put a credits only on my acct and that transaction would not be deducted from checking. I worried all holiday weekend. XXXX days. Tuesday morning I went to branch to verify what happened. They stated money went to XXXX. Why? They could not answer. They did not give me satisfaction that my accts were safe. I cant get into my online banking since I put a hold. I requested hold off so I can watch my accts and they have a block on my phone! And said to go back to branch but, I was there and they didnt do it. I this this was a test transaction and I may be looking a t a bigger fraud coming since they told me about a device in XXXX! Im very emotional about all of this and everyone just pushes me to different phone numbers. Now XXXX hours wasted XX/XX/year>. This is torture. Did BOA do this transaction so they dont have to charge me the lower rate on XXXX. Horrible customer service.

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 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
THE REPORTED LATE PAYMENTS ARE INACCURATE AND DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
i was hacked {$880.00} that was to pay bills from my and my wife 's social security checks but someone hacked us some how and our advance with bank they did give back my advance but not the {$880.00} claiming i allowed it by giving a pin out which i did not do that knowing what the money was for

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/year> : a credit balance refund in the amount of {$1600.00} was issued to my Wells Fargo XXXX XXXX card ending in XXXX. Wells Fargo told us they would send us a cashier 's check for this balance but we never received the check. XX/XX/year> : we call Wells Fargo because we did not receive the check yet after a whole month. They tell us we need to get an affadavity signed to replace the missing cashier 's check they said they had sent to formally declare that the check was lost. We go to the local branch to get it signed, but the branch head tells us that the form Wells Fargo had mailed us isn't even the correct form, and that he does not have the authority to sign this affadavit. The branch head calls the Wells Fargo Executive team for us and they tell us that they have waived the affadavit because they sent us the wrong form or something along these lines. The branch head and the person on the phone from the executive team are both confused and they just tell us that they willl mail the check again. XX/XX/year> : We call again because we have STILL NOT received this check. They tell us AGAIN that the check HAD already been mailed. XX/XX/year> : We STILL have NOT received the check. Essentially, the customer service team has just been flat out LYING to us for thee lasst XXXX calls. This time, I take down the names of the customer service team helping us : XXXX ( customer service ), XXXX XXXX XXXX XXXX ). XXXX tells us that we WILL receive this check by XX/XX/year>. To no surprise, we STILL have NOT received this check. Both XXXX, XXXX, and the XXXX oither people we called have been LYING to us. XX/XX/year> : We call again. This time, XXXX is helping us. She tells us that we need to contact the XXXX office team, which we have already contacted ( XXXX from last time ). STILL, no check.

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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am formally escalating an unresolved issue regarding restricted access to funds currently held in my PayPal account. My funds were successfully received XXXX and are fully reflected within my PayPal balance. However, when attempting to transfer my funds to my verified XXXX XXXX bank account, PayPal repeatedly blocks the transfer and instructs me to try a smaller amount without providing a legitimate explanation, resolution timeline, or actionable path forward. I contacted customer support and specifically requested escalation assistance. I was informed there is no higher escalation path available. I was also informed that I can not close my account because the balance remains in the account while simultaneously being prevented from transferring the funds out. This creates an unacceptable situation where I effectively do not have access to my own funds despite verification and successful receipt of payment. I am requesting : * Immediate manual review of the restriction * Full explanation of the transfer limitation * Immediate release/transfer of my funds * A documented resolution timeline If this matter is not resolved promptly, I will continue escalating through formal regulatory complaint channels, including the CFPB and other applicable consumer protection avenues. I expect a response from an appropriate escalation or executive support representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I attempted to deposit cash at a Huntington Bank ATM located at XXXX XXXX XXXX XXXX XXXX XXXX. I drove to the ATM in my XXXX XXXX XXXX XXXX and accessed my account by tapping my phone. I selected the cash deposit option and deposited {$700.00} in cash, consisting entirely of seven {$100.00} bills. After I inserted the cash, the ATM returned {$400.00}. I then selected the option to deposit additional cash and reinserted the {$400.00} into the ATM. At that point, the ATM malfunctioned and displayed the following message : " Your cash was not taken in time. To protect your accounts, I've pulled your cash back in. Contact your financial institution. '' The ATM retained my cash, but none of the {$700.00} was credited to my account. I took a photograph of the error message displayed on the screen as evidence of the malfunction. Because the bank was closed at that time, I was unable to obtain immediate assistance. I turned on my emergency flashers and attempted to contact the bank but could not reach anyone. During this time, a white vehicle pulled alongside my vehicle. A younger male driver displayed what appeared to be a police badge and asked whether I was okay. I explained the ATM issue, and he advised me to contact the bank the next day. As I was leaving, I observed this individual pull up to the same ATM. I do not know whether this event is related to my missing funds, but I am including it because I am concerned about the circumstances surrounding this incident. On XX/XX/year>, I contacted Huntington Bank and reported the incident. I was informed that a case had been opened and that an investigation would be conducted. I relied on the bank to review all available records, including ATM transaction logs, cash balancing records, and surveillance footage. On XX/XX/year>, I received a letter from Huntington Bank stating that its research was complete and that it had determined that no error had occurred. The letter further stated that the bank was unable to locate a record of the ATM deposit associated with my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I am filing this complaint against Resurgent Capital Services ( servicer for LVNV Funding LLC ) and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding debt account Reference # XXXX ( original XXXXXXXX XXXX XXXX XXXX XXXX account ending XXXX, balance {$3300.00} ). Timeline and Issues : On or around XX/XX/XXXX, I sent a formal written dispute and validation request under the FDCPA to XXXX, XXXX XXXX XXXX ( Ref # XXXX ). The certified mail was delivered/picked up on XX/XX/XXXX. No proper response was received. On XX/XX/XXXX, I received an initial collection package from Resurgent Capital Services. I responded in writing disputing the debt and requesting full validation ( original credit agreement with XXXX, complete chain of assignment to LVNV, and proof of the XX/XX/XXXX last payment date ). On XX/XX/XXXX, Resurgent sent another letter and the same basic Account Summary Report. This does not include the original signed credit agreement, full chain of title/assignments, or specific proof of the last payment. I consider this insufficient validation under the FDCPA. I have repeatedly extended a good-faith {$1000.00} full settlement offer and requested written confirmation of key terms ( paid in full with {$0.00} balance, LVNV tradeline deletion per their policy, deletion timeframe, and no further collection or legal action ). No written settlement agreement has been provided. The account is currently reporting on my credit reports with the notation Account information disputed by consumer, meets FCRA requirements. However, the verification provided remains inadequate. Requested Resolution : Require Resurgent / LVNV to provide complete debt validation, including the original XXXX credit agreement and full chain of assignment/ownership. Require them to cease all collection activity until proper validation is provided. Require a written response to my {$1000.00} settlement offer with the specific protections I have requested. Investigate whether continued collection without proper validation violates the FDCPA. Update or delete the tradeline if validation can not be properly provided. I have kept detailed records of all correspondence, certified mail tracking, and their responses, which I can provide if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MA

Complaint narrative:
I refinanced my federal student loans from MOHELA to XXXX on XX/XX/XXXX. As part of the refinance, XXXX sent MOHELA a payoff payment which exceeded my total loan balance by {$2700.00}. According to my MOHELA Account XXXX page on MOHELAs website, a refund occurred on XX/XX/XXXX. As of today, XX/XX/XXXX, this amount has not been received by XXXX. XXXX has instructed me to request proof of payment from MOHELA ( such as images of the front and back of the refund check ) so they could initiate a check trace. I have contacted MOHELA numerous times requesting this documentation. MOHELA has not provided the requested proof of payment. MOHELA has repeatedly provided me with conflicting information regarding the status of the refund. As I mentioned above, my account history on MOHELAs website shows a refund supposedly occurred on XX/XX/XXXX. On XX/XX/XXXX MOHELA said via their messaging portal : Our records indicate that a refund in the amount of {$2700.00}, effective XX/XX/XXXX. XXXX has not been processed yet. On XX/XX/XXXX MOHELA said via their messaging portal : Our records state your refund request is still pending. Refunds can take XXXX business days or more for processing. On the same date, XX/XX/XXXX, MOHELA sent a response to the CFPB which said : Our records indicate that a refund of {$2700.00} has processed. Please allow up to XXXX weeks for the refund to be issued and mailed to XXXX XXXX XXXX by the U.S. Department of the Treasury. It is unclear whether or not the refund has processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. My information was used to obtain goods and services without my knowledge or consent. I have never been associated with these accounts. I noticed the collection on my report and I called to did research and found out that someone had a rental property in my name. I tried to handle this matter with the company with no resolution in this matter. as per the Guide of the consumer financial protection bureau CFPB the documents needed are a picture ID, a Social Security card, and the FTC reportc, and a bill. I have provided all this information please remove these items from my credit report within four business days to section 605C of the fair credit reporting act. Thankyou

Company response to consumer: Closed with explanation