vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am formally disputing the accuracy of an alleged debt currently being reported by LVNV Funding LLC in the amount of {$300.00}, which allegedly originated from a XXXX XXXX credit card account. Please note that this account is being reported as closed, yet it continues to reflect a balance and collection status. My original credit limit on this account was {$300.00}. I do not understand how the balance increased to {$300.00} and have not received a detailed accounting showing how this amount was calculated, including any interest, late fees, or additional charges. I was not properly notified that my payments were late. I began receiving repeated phone calls ; however, when I answered, there was no one on the line and the calls would disconnect. Because of this, I reasonably believed these were spam calls. I did not receive clear communication explaining the alleged delinquency, nor did I receive written notice providing the required disclosures regarding the alleged debt. To date, I have not received proper written validation of this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I am requesting full debt validation. Specifically, please provide : * The name and address of the original creditor. * A complete itemization of the alleged balance, including principal, interest, late fees, and any other charges. * Copies of the original signed agreement or contract bearing my signature. * Documentation showing the chain of title and proof that LVNV Funding LLC has the legal authority to collect this alleged debt. * Proof that the statute of limitations has not expired. * Evidence that I was properly notified prior to the account being transferred or sold. Until this alleged debt is properly validated, you must cease all collection activities and reporting to any credit reporting agencies as required by federal law. If this debt can not be fully validated, I request that it be immediately removed from my credit report. I am requesting a thorough investigation of this matter and correction of any inaccurate reporting in accordance with the Fair Credit Reporting Act ( FCRA ). This letter serves as a formal notice of dispute and request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I made a payment of almost {$6000.00} USD to my Apple Card serviced by Goldman Sachs. They have yet to credit the payment, over 5 days later. They claim the wait could be due to 1 ) the payment coming from a new account or 2 ) past returned payments, both situations are not true nor ever have been true. When I called them they refused to provide me any information on the payments or why the delay has occurred, effectively stealing {$5900.00} and refusing to assist me with it. They were unable to articulate to me the reason the hold was placed, when the payment was not atypical, came from the same account it always does and has never been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint because Citibank has failed to properly investigate a material misrepresentation by the merchant ( XXXX ). The merchant sold a 'Hotel ' ( secure interior-corridor access ) but delivered a 'Motel ' ( unsecured exterior doors ), creating a safety risk for a solo traveler. In their initial denial, Citibank explicitly acknowledged this security discrepancy in writing but still sided with the merchant 's refund policy. A 'Non-Refundable ' policy does not authorize a merchant to provide a structurally different product than advertised under the Fair Credit Billing Act ( Service Not as Described ). Citibank has since stalled my appeal, providing only an automated receipt of my request with no further action. I am asking for a reversal of the charges.

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 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against PayPal for Refusal to Close Account Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal regarding its refusal to close my account due to its stated inability to recognize the format of my bank statement. I have requested that PayPal close my account and have complied with their identity and verification requirements to the best of my ability. They verified my identity and even provided me with a link to change my password. However, ss part of this process, PayPal requested a bank statement. I provided an official bank statement issued by my financial institution ; however, PayPal has refused to accept it, claiming that they do not recognize the format of the document, and are refusing to provide an alternative verification method. As a result, my account remains open against my wishes. This situation has caused unnecessary frustration and concern, particularly since consumers should have the right to close their financial accounts without unreasonable barriers. Leaving this account open, when PayPal will clearly provide change of password assistance, is a financial and identity security risk. I believe PayPals actions place an undue burden on consumers, especially when legitimate documentation is being provided. I am requesting the Bureaus assistance in reviewing this matter and helping to ensure that PayPal allows me to close my account without further obstruction. Thank you for your time and attention to this issue. I am happy to provide any additional information or documentation if needed. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Validation of Debt Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I have two XXXX loans with Affirm. I received a refund for the loan that was opened in XXXX. This refund would have paid off the loan. Instead, Affirm put it on the wrong account. They did not alert me other than I received a refund. There was nothing in the email that was different than any other refund so I did not think there was anything wrong. Upon review, I found that they actually put the refund on the wrong account. Affirm has told me sorry XXXX nothing we can do. However, I think that this was an attempt to charge additional interest and collect more fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX Phone Number : XXXX ( XXXX ) XXXX Type of Debt : XXXX XXXX XXXX account ( fraudulent ) Complaint : XXXX XXXX XXXX XXXX is contacting me about a XXXX XXXX account I never opened. This debt was previously sold to another collection agency and is now with them. I explicitly told them not to call and requested all verification be in writing, including proof I authorized this debt. Despite this, they contacted me again. They also had the wrong date of birth, proving they can not verify my identity. I am requesting immediate removal of this account from my credit report, investigation for potential FDCPA violations, and that all future communication be in writing only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX is threatening to sue on a debt for syncrony bank/XXXX that was satisfied and at this point if still owed the debt was last updated/closed XX/XX/year>.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas refusal to refund a monthly maintenance fee, on my business account for XXXX XXXX, that I believe was unfairly assessed. I attempted to close my Bank of America account prior to XX/XX/year>, because the balance had fallen below {$5000.00}, which I understand is the minimum required to avoid the $ XXXX monthly maintenance fee. Due to transfer timing issues, I was unable to complete the transfer of funds before XX/XX/XXXX. As a result, a {$16.00} maintenance fee was charged to my account. I successfully closed the account on Monday, XX/XX/year>. At that time, I was advised by a bank representative that I could call back to request a refund of the {$16.00} fee. When I contacted the bank again today to request the refund, I was informed that the decision was final and that I had no recourse to recover the {$16.00} fee. I find this position unreasonable given that : XXXX. I had already initiated the process of closing the account. XXXX. The account was closed immediately after the fee posted. XXXX. The fee was triggered solely due to timing, despite my clear intent to close the account and remove the funds. I am requesting that Bank of America refund the {$16.00} maintenance fee and review its policy regarding fee assessment when customers are actively closing their accounts. Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

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 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
RE : Notice of Rescission and Billing Error Dispute To Whom It May Concern : This letter serves as formal notice of my intent to exercise my rights under the Truth in Lending Act, specifically pursuant to 15 U.S.C. 1635 and 15 U.S.C. 1662. Pursuant to 15 U.S.C. 1635, I hereby rescind the above-referenced credit transaction. This notice is being provided within the time frame allowed by law. As required under 1635 ( b ), you must return any money or property given in connection with this transaction and take appropriate action to reflect termination of the security interest within XXXX calendar days of receipt of this notice. Additionally, pursuant to 15 U.S.C. 1662, I dispute the following billing errors related to this account : Under federal law, you are required to acknowledge this dispute in writing within 30 days of receipt and resolve the matter within XXXX billing cycles ( not to exceed XXXX days ), during which time you may not attempt to collect the disputed amount or report it as delinquent. Please provide written confirmation that : XXXX. The transaction has been rescinded pursuant to 15 U.S.C. 1635 ; XXXX. Any security interest has been terminated ; XXXX. All funds have been returned ; and XXXX. The billing errors have been investigated and corrected. Failure to comply with these statutory requirements will result in further action to enforce my rights under federal law. I expect your full compliance within the time required by statute

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 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
Complaint Regarding Delayed Borrower Defense Loan Discharge and Refund I am submitting this complaint regarding the prolonged delay in the finalization of my student loan discharge under the XXXX XXXX XXXX. My loans were officially approved for discharge, and I received a confirmation letter in XX/XX/year>. However, more than XXXX year later, my loan balance continues to appear in the MOHELA online portal. Although the payment due date has been extended and the amount due reflects {$0.00}, the account has not been properly closed or fully XXXX. Since receiving the XXXX approval, I have made multiple attempts to resolve this matter directly with MOHELA. Each time I contact customer service, I am required to wait on hold for approximately XXXX hours before speaking with a representative. In XXXX, I was informed that the discharge would be finalized within XXXX days ( by XXXX ). When that deadline passed without resolution, I contacted MOHELA again on XX/XX/XXXX to follow up. At that time, I was told that an additional XXXX days would be required to complete the XXXX process. In addition, I recently opened a case through StudentAid.gov ( FAFSA ) to address this issue. Today, I received a response ; however, the reply did not clearly address my concern and did not provide any meaningful explanation or resolution regarding the status of my XXXX or XXXX. I have included submitted complaint and also reply that I just received today. Despite the official approval of my XXXX more than XXXX year ago, my account remains unresolved, and I have not received the XXXX to which I am entitled. The repeated delays, extended timelines, and lack of clear communication have caused significant frustration and concern. I respectfully request a thorough review of my case and prompt action to finalize the XXXX and issue any XXXX owed to me.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-04 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: OH

Complaint narrative:
Subject : XXXX Insurance Denial & Data Suppression at Secure Federal Facility Description : XXXX I am filing this complaint against Wells Fargo regarding my XXXX XXXX XXXX ( ending in XXXX -- -closed ) for deceptive marketing of benefits and XXXX insurance practices. I paid my cellular bill with this card specifically for the " XXXX XXXX XXXX '' benefit. My device ( XXXX XXXX XXXX XXXX XXXX : XXXX ) was destroyed inside Building XXXX at the XXXX XXXX XXXX XXXX campus where local police have no jurisdiction and are legally barred from entry for non-criminal property damage. * I work in a XXXX XXXX area inside the XXXX XXXX XXXX XXXX campus near XXXX; gated/fenced no municipal police allowed inside for XXXX accidents ' like phones getting damaged. WE ARE NOT ALLOWED TO TAKE CELL PHONES, watches, anything with a microphone inside of these restricted spaces. Sometimes when these 'bank vault " heavy doors close they rattle phones out of their cubby holes and they fall/crack. XXXX XXXX XXXX Wells Fargo denied my claim because I could not provide a municipal police report. By enforcing a " standard '' requirement that is physically and legally impossible to satisfy in a secure, XXXX environment, Wells Fargo is effectively nullifying its insurance benefit for a specific class of workers. Furthermore, since I began disputing these issues, Wells Fargo has restricted my digital access. My portal displays " Online access is currently unavailable '', and my " Customer Reports '' section now states " You have no documents available '', despite their policy stating that reports are available for up to XXXX years. I demand the immediate reversal of the XXXX insurance denial and the restoration of my XXXXyear financial history.

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 2026-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
RE : Complaint XXXX, Wells Fargo has NOT adequately addressed my complaint. I have asked multiple times for clarification about the lien THAT WAS PLACED on my mortgage, particularly regarding the {$5200.00} that was withheld and not transferred to XXXX XXXX during the loan transfer in XX/XX/XXXX. Instead, I continue to receive documents unrelated to my inquiry, many of which pertain to a previous refinance intended to lower the interest rate, rather than addressing the status of the loan during the XXXX pandemic. Additionally, the documentation provided includes materials I have not previously received or seen, some of which appear to be redacted or contain information that is not relevant to my situation. I received a welcome letter dated XX/XX/XXXX, which I have NEVER seen before, and documentation related to the Illinois XXXX XXXX XXXX XXXX. This document has NEVER been sent to me either. My concerns and questions outlined in my correspondence remain unresolved, and I respectfully request a thorough response and investigation with accurate and complete documentation. I respectfully request that the CFPB to intervene to address the XXXX lending practices and consumer XXXX reportedly perpetrated by Wells Fargo. The absence of consequences for these actions should be a matter of concern not only to me, but to all Americans who continue to bear the repercussions of Wells Fargo 's conduct. Once again, Wells Fargo has not addressed my concern. I respectfully request a response and urge the Consumer Financial Protection Bureau to intervene regarding Wells Fargo 's ongoing actions.

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 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I am submitting this complaint regarding improper mortgage servicing following the transfer of my mortgage loan and mishandling of a loan modification. My mortgage loan was transferred to the current servicer in XX/XX/XXXX while I was already in an active loan modification process with the previous servicer. I had completed the required trial modification payment period with the prior mortgage company before the servicing transfer occurred. In XX/XX/XXXX, the new servicer informed me that my loan modification had been approved. However, the modification documentation indicated that payments under the modification were due beginning XX/XX/XXXX, which was before I received the modification terms and before a finalized modification agreement was provided to me. When I contacted the servicer to question this issue, I was told that I was still responsible for making the XXXX payment even though : I had already completed the trial modification period with the prior servicer on XX/XX/XXXX The modification was not finalized until XXXX I had not received a finalized modification agreement Since that time, I still have not received the finalized permanent loan modification agreement, despite requesting it from the servicer. The servicer is now claiming that my account is past due by approximately {$6000.00}, which appears to be based on payments that were allegedly due before the modification agreement was finalized and before the transfer issues were resolved. This situation appears to stem from errors during the servicing transfer and failure to properly honor the existing loan modification process from the previous servicer. I have made good faith efforts to communicate with the servicer and resolve the issue, but the problem remains unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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