vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 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: Ocwen Financial Corporation
State: WI

Complaint narrative:
I currently have PHH mortgage and I have been requesting for mortgage assistance with them for months now due to my hardship. I recently submitted over to PHH requesting a repayment plan with placing {$6000.00} down towards my delinquency and placing the remaining past due balance of {$3200.00} into a XXXX-month repayment plan of {$270.00} Per month to allow me to keep my home and get back to current with my payments and mortgage. I've sent the Loss Mitigation Application over to them maybe about XXXX times and each time PHH denies it within a few days never reaching the investor of the for a thorough and proper review of my loan. Each time I've submitted PHH have never assigned to me a Single Point of contact to discuss my options. During the times I've been in review for mortgage assistance PHH has not stopped any foreclosure on my home to allow the review process to save my home, I believe this is in violation Dual Tracking of foreclosure as stated on your CFPB website. I've also tried to make payments on my mortgage loan prior to it being in foreclosure but PHH refused to accept them, placing me more and more past due. They have claimed to have offered me mortgage assistance before but have not provided me with the proof of assistance. On my most recent denials they have also stated they can no longer review my request for mortgage assistance due to " Reviewed too many times within the same calendar cycle '' when I've asked them what that meant they would not clarify that information. I feel PHH is not trying to help but only foreclosure on my family home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Good evening. I did wire on XXXX XXXX. To XXXX XXXX. XXXX XXXX. From PNC XXXX XXXX XXXX. Banker XXXX XXXX XXXX did this wire & gave me a receipt. According to that reciept the final date was XXXX XXXX XXXX. On XXXX I went again to the XXXX & met XXXX XXXX he call some where & told me that it will take more few days than I met Branch manager & told him the story he also call some one & told me wait 4 to 5 days I did wait. Know call every day in the branch but thay just passing time only. And even they dont tell me the status of my transfer of money. I sent that money to my son in XXXX for paying custom duty for a car that I had already purchased. I am stuck & worried. I was not expecting this kind of behav by PNC Bank. Please let me know what happened with my transfer of funds. Please help me in this regards. Thank you. Waiting for your respionce.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I was the victim of a scam involving a XXXX payment of {$110.00} sent for an item listed on XXXX XXXX. The seller never delivered the item, removed the listing shortly after receiving payment, and stopped responding to all messages. 

The XXXX transfer occurred in XX/XX/year>. I discovered the fraud almost immediately and reported it to U.S. Bank within approximately XXXX minutes of the transaction. I provided all the requested information and documentation. 

Despite the extremely prompt reporting time and clear evidence of fraud and misrepresentation, U.S. Bank denied my claim, stating that the transaction was authorized. U.S. Bank has since refused to reconsider the claim, stating that the matter was already resolved, despite my request for review under the Electronic Funds Transfer Act and Regulation E. 

While I authorized the initial transfer, it was initiated under false pretenses and fraudulent intent. No goods or services were received. I am requesting reimbursement of the {$110.00} and a proper review of the claim in accordance with federal consumer protection requirements for electronic fund transfers.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this mone! from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
XXXX Sincerely

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 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Received debt collection letter from Midland credit management. Ask company for debt validation and cease all activities. Midland proceeds to add account to my credit report without validation of the debt. There was no chain of custody no information of ownership and no unbroken chain of custody. Company did not verify debt. Also didnt verify accounting records for supposed debt. I do not owe company any money. The letter was sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 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: Ava Finance, Inc
State: IL

Complaint narrative:
This is suppose to be a credit building card that gives you option to use limits on card 5 % limit gives access to several vendors. Or you can use your full limit with restricted vendors. I paid for XXXX  and now I dont have access to toggle back and forth. Also I have made 12 on time payments and the limits are not showing up on my credit. I have attempted to reach them several times and never get a response. They have taken monthly subscription fees and not provided the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors
State: NV

Complaint narrative:
I am filing this complaint regarding a medical debt that is being collected and reported in violation of federal and Nevada law.

The alleged medical debt originates from services reportedly provided by XXXX XXXX XXXX, on XX/XX/XXXX. The account was assigned to the collection agency on XX/XX/XXXX. 

Under Nevada law ( SB 248 / NRS 649.375 ), a collection agency is required to provide a written 60-day notice before taking any collection action, including credit reporting. The collection agency admits in writing that its initial 60-day notice, mailed on XX/XX/XXXX, was returned by the United States Postal Service as unclaimed. As a result, I never received the legally required 60-day notice or the consumer protections associated with it.

Despite the failed delivery of the mandatory notice, the collection agency proceeded with collection activity, including reporting the debt to credit reporting agencies.

I disputed this account with XXXX XXXX and XXXX multiple times, specifically citing the violation of Nevada SB 248 and requesting verification of lawful collection and ownership. Each credit bureau responded with a generic verified result without addressing the legal violations raised. 

On XX/XX/XXXX, I sent a formal written Debt Validation Request to the collection agency via USPS Certified Mail ( through an online certified mailing service ). Delivery tracking indicated delivery in early XX/XX/XXXX, and the collection agency confirmed receipt by responding in writing on XX/XX/XXXX. 

In their written response, the collection agency admitted that they do not currently possess key validation documents and must request them from the original provider. Their response failed to provide : Proof of legal ownership or chain of title An itemized statement of charges Proof of compliance with Nevada SB 248 Justification for interest and fees added This response does not constitute proper validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Despite this failure to validate, the collection agency continues to furnish information to the credit bureaus or has caused the account to be verified as accurate.

Additionally, after submitting complaints and disputes, the collection agency attempted to contact me by telephone on XX/XX/XXXX, further demonstrating continued collection activity while the debt remained disputed and unvalidated.

By continuing to report and attempt to collect this debt without proper validation and after admitting they lack required documentation, the collection agency is violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am requesting CFPB intervention to require cessation of all collection activity and deletion of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I disputed this debt with XXXX XXXX XXXX and filed a CFPB complaint ( # XXXX ) on XX/XX/year>. PRA never responded. Now XXXX XXXX XXXX XXXX. is attempting to collect the same unverified debt. I requested full validation, proof of ownership, and that collection stop until verified, but they have not provided any documentation. I am concerned they may attempt to report this debt to credit bureaus without verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am disputing fees, interest, and a remaining balance being claimed on a closed Comenity Bank credit card account.

This account was used one time for a purchase of approximately {$63.00}. I have paid a total of {$310.00}, yet Comenity is claiming an additional balance of approximately {$150.00}, which appears to consist primarily of fees and accrued interest.

I previously requested a courtesy removal of fees, which was denied. I am disputing the validity and fairness of these charges.

I have also lost access to Comenitys online account portal and can no longer view account statements, transaction history, or communicate through their secure messaging system. Email communications are sent from a do-not-reply address, leaving me without a functional electronic method to obtain records.

Despite the account being actively disputed, Comenity continues collection activity and recently reported negative information to the credit bureaus. 
On 1/29/2026

, I sent a certified written dispute requesting full validation of the balance, itemized fees, interest calculations, applicable agreements, and complete account statements. This information has not been provided as of yet. I am requesting investigation, removal of disputed fees and interest, correction of negative credit reporting related to this disputed balance, and provision of account records in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently was forced to review a copy of my credit report and noticed i have fraudulent accounts names and address on my credit report. Remove these false and fraudulent accounts from my credit report as these accounts are causing an negative affect on myself obtaining credit and fair reporting according to FCRA 605B ( 15 U.S .. C 1681c-2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
SECOND NOTICE IDENTITY THEFT DISPUTE & DEMAND FOR DELETION Date : XX/XX/XXXX Via Certified Mail & CFPB Record Resurgent Capital Services L.P . 
Compliance Department RE : XXXX XXXX CFPB Case No. : XXXX Account Number : XXXX Reference Number : XXXX This letter constitutes my SECOND FORMAL DISPUTE AND IDENTITY THEFT NOTICE in response to your correspondence dated XX/XX/XXXX, submitted to the Consumer Financial Protection Bureau ( CFPB ). 

The account you allege to be valid is the direct result of identity theft and is therefore legally unenforceable and non-reportable under federal law.

Your own billing attachment identifies an address of XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This address is not my residence and has never been associated with me. Independent investigation confirms this location belongs to a commercial business known as XXXX XXXX, which further substantiates fraudulent account origination. 

You are in receipt of my FTC Identity Theft Report and Fraud Affidavit, triggering your mandatory obligations under the Fair Credit Reporting Act, including : 15 U.S.C. 1681c-2 ( a ) Mandatory blocking of information resulting from identity theft 15 U.S.C. 1681s-2 ( a ) ( 3 ) Prohibition against furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Duty to conduct a reasonable investigation upon notice of dispute Your response fails to address this identity theft evidence and instead relies on conclusory statements regarding ownership and reporting rights, which are irrelevant where fraud is established. 

Continued reporting or failure to instruct XXXX XXXX and XXXX  to permanently delete this account constitutes willful noncompliance under 15 U.S.C. 1681n, exposing your organization to statutory damages of {$1000.00} per violation, in addition to actual damages, attorneys fees, and costs.

DEMAND 1. Immediate deletion of this account from all consumer reporting agencies 2. Written confirmation of deletion within 15 days 3. Immediate cessation of all collection and reporting activity Failure to comply will result in further regulatory escalation and civil action without further notice. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
This submission is a continuation and evidence update to an existing CFPB complaint. Please associate it with my prior Cash App case.

Cash App has formally denied my dispute and provided the documentation they relied on to reach that decision, stating no further action will be taken. 

This denial occurred while an active XXXX investigation is ongoing. An XXXX  detective ( XXXX XXXX XXXX XXXX XXXX ) has reviewed ATM surveillance footage from one location and confirmed the individual shown is not me. Subpoenas for additional ATM footage are pending.

I am attaching the documentation Cash App relied on and request CFPB review of Cash Apps handling of unauthorized ATM withdrawals and dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: U.S. BANCORP
State: CA

Complaint narrative:
attempted to purchase airline tickets from XXXX on my U.S. Bank credit card. The initial transaction was blocked by U.S. Bank and did not go through.

I immediately called U.S. Bank customer service and was told that the transaction had been blocked for security reasons and that I should repurchase the tickets. Following the banks instructions, I repurchased the tickets.

As a result, two charges for the same transaction amount posted to my account, even though only one ticket purchase was intended and received.

I disputed the duplicate charge with U.S. Bank. U.S. Bank issued a provisional credit but later reversed it, stating that the merchant provided two sales slips. This ignores the fact that the first charge occurred only because U.S. Bank blocked the transaction and instructed me to repurchase.

This is a duplicate charge caused by an issuer block and reattempt, not two separate or intentional purchases. I am requesting that U.S. Bank correct this billing error and permanently remove the duplicate charge.

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 2026-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> Paid, Closed. {$680.00} written off Original balance {$29000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MO

Complaint narrative:
I submitted a payment to my mortgage company XXXX of XXXX $ on XX/XX/XXXX from my bank account handled by Chime. The payment was debited from my Chime account for the amount of XXXX $ successfully but was then reversed due to " insufficient funds '' by my mortgage company XXXX. I contacted XXXX on XX/XX/XXXX and gave them copies of my bank statements per their request to prove that the funds did debit from my bank account without a refund. XXXX then did an investigation internally to locate the funds. After a call from XXXX 'S transaction XXXX on XX/XX/XXXX I learned that XXXX did reverse the payment for insufficient funds it was never put toward my mortgage and they found no record of the funds still within their system, the funds should have been sent back to my Chime checking account. I called Chime customer support on XX/XX/XXXX and after XXXX failed attempts at a resolution they stated they had no knowledge of where my funds were and proceeded to hang up on me with no further information. On the seconds attempt I escalated the call to a XXXX who refused to acknowledge that the funds were lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: IL

Complaint narrative:
had made efforts to resolve the delinquency and was contacted with a payment extension offer on the previous Monday XX/XX/XXXX. I was offered a payment extension by Westlake prior to repossession and was in the process of resolving the account when the vehicle was taken Tuesday XXXX XXXX contradicts fair and reasonable conduct by a loan servicer when a borrower is actively trying to cure a default. I have not received timely or clear written notice of my rights to redeem or the amounts owed before any sale, as generally required under postrepossession procedures in Illinois. I repeatedly communicated my hardship ( car accident, loss of work ) and was prepared to make payment arrangements consistent with resolving the delinquency yet the vehicle was taken before a reasonable opportunity to cure. 

I believe Westlakes actions were unfair, deceptive, and did not honor reasonable expectations based on their offer and my documented hardship.

Company response to consumer: Closed with explanation