vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing this complaint against a collection agency attempting to collect an alleged debt on behalf of XXXX XXXX XXXX. I never received the required written validation notice within five days of initial communication, as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), nor was | provided an opportunity to dispute the debt before it was reported to the credit bureaus. Reporting a debt without proper notice and validation may also constitute unfair or deceptive practices under 15 U.S.C. 1692e and 1692f. Additionally, this account is being reported inaccurately and inconsistently across XXXX XXXX XXXX XXXX in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report accurate and complete information. I formally dispute the validity and accuracy of this debt and request immediate validation, correction of all inaccuracies, or deletion of the account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
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 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: ME

Complaint narrative:
I returned XXXX equipment and I told the collector I have. receipt. Not interested. The return happened in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
Hello. This is the third claim I have processed to Zelle for a refund of the money Im owed. I am owed a refund as it was a legitimate loan. I have once again attached tge screenshots of text messages with this person to ensure there is no question it is owed to me. Please do the right thing and issue me arefund for {$1000.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did hardship assistance with Capital One. The person over the phone indicated that it would be a temporary hit to my credit report for two months until the two installment payments were paid. Both installment payments were paid on time however they have not removed the late payments. My question to capital one is why would you offer a hardship assistance program that would permanently add late payments to your account? As the account holder you might as well just pay late instead of entering a program. Capital XXXX even states that hardship assistance is a temporary hit. I have never missed a payment and I paid my installments on time. Additionally if the bank representative provided incorrect information about the hardship policy then this should be resolved immediately and any negative information cleared from this account. Also look at how the late payments look on my account. It show two 30 day missed payments which coincides with their policy of getting two temporary late payments. Otherwise it would say 60 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
On XX/XX/XXXX, I was notified that my XXXX property taxes had not been paid and were delinquent. The taxes were due on XX/XX/XXXX. I have an active escrow account with PHH Mortgage specifically established to collect and disburse my annual property tax payments. Upon receiving the delinquency notice, I contacted PHH Mortgage. PHH provided an escrow statement indicating that my XXXX property taxes had been disbursed. To verify this, I contacted the XXXX XXXXXXXX XXXX XXXX XXXXXXXX, which confirmed that no payment had been received from PHH Mortgage. My attorney also contacted the XXXX XXXXXXXX XXXX XXXX XXXXXXXX and reviewed all payments received from PHH Mortgage. The payment in question could not be located. Because the taxes were delinquent and to avoid penalties and further adverse consequences, I was forced to pay the property taxes out of pocket in the amount of {$2900.00}. After making this payment, I again contacted PHH Mortgage and provided documentation of the delinquent tax notice from XXXX XXXX. At that time, PHH Mortgage stated that my escrow account was inactive. This explanation is illogical and inconsistent with the account activity. I have continued making my monthly mortgage payments, and PHH Mortgages records show that funds were withdrawn from my escrow account for the purpose of paying the XXXX property taxes. An escrow account can not reasonably be considered inactive while funds are actively being debited from it. If the account were truly inactive, PHH Mortgage should not have withdrawn funds or shown a tax disbursement on my escrow statement. I followed up again seeking clarification and resolution, but no new information was provided, and the issue remains unresolved. As a result of PHH Mortgages failure to properly manage and disburse escrowed funds, I have effectively paid my XXXX property taxes twice. PHH Mortgage owes me reimbursement in the amount of {$2900.00}, representing the tax payment I was forced to make personally despite PHHs records showing a tax disbursement that was never remitted to the taxing authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: PACIFIC SOUTHWEST NOTE FUND, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX (4 days ago)XXXX XXXX before they file for bankruptcy next week. Please contact me on Monday my new number is XXXX XXXX Please understand the urgency for amy demand letter resolution, I paid the lawyers XXXX for the letter and I don't have monthly interest or my XXXX principal your company was told last year to return my principal and the XXXX Police were involved . XXXX displaced status of liquidity constraints does not match our facts.\nMy daughter and I need the monthly interest to survive we just sold our low income condo. Last year the Attorney General and Police Department asked for our Full Redemption upon receiving our low income notice from XXXX XXXX XXXX. My daughter who is a waitress and has no home survives on those monthly interest payments. The Ceo stated he would redeem our fund's from our portal and forfeit the investment last year to the State of Ca. Thank you for your support Sincerely XXXX XXXX XXXX XXXX XXXX wrote:XXXXThank you for the email below. May I please ask that you have your counsel call me XXXX or XXXX bankruptcy counsel XXXX XXXX XXXX XXXX XXXX XXXX please know that I am trying to help you (and all of the XXXX XXXX). I have responded to seven of your emails (this is number 9), left you two voicemail messages, and talked to you via telephone on Friday. I am trying to be responsive to you.\n\nAll of the obligations that XXXX owes to you under the subscription agreement and related documents are still in effect. The contractual obligations of XXXX have not changed; rather, XXXX does not have the ability to honor some of them (including investor's rights for redemption of invested XXXX). Unfortunately, XXXX is extremely distressed financially. We are trying to stabilize the situation so that XXXX does not run out of cash from an operating standpoint, and we are focused on finding and executing the best path-forward to sell or monetize the assets of XXXX in order to return the maximum amount of cash to investors. \n\nPer my prior messages, no investors are receiving distributions or redemptions currently as XXXX does not have the cash to do so. I do not know when, or how much, cash will be available to return to investors. The timing of any return of capital payments and the amount returned is contingent upon how much cash is collected from the sale of XXXX assets and the timeline to do so. Please note that I do not see a scenario where the return of capital to investors happens quickly; rather, my estimation is that it will take months to sell all of the assets, determine the percentage return to the investors (calculated on a fund by fund basis), address and reach a deal with regard to the legal issues, and finally distribute cash to the investors.\n\nI truly am sorry that you are caught up in the mess that XXXX has created. I will do my best to keep you apprised."

Company response to consumer: Untimely response
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
i have been made aware that a neighbor of mine recovered almost XXXX dollars in over charges and growing interest with capital one. i am concerned about my account since its been with us since XXXX. The interest rates and payments are very hard to keep up with and i need to make sure that there have not been any theft or misuse of interest charges. thank you so much, i have been hearing about capital one and this problem for a while. I need someone to please check and help me know what they are doing in my account. thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southern Management Systems Inc.
State: NC

Complaint narrative:
I am writing to formally express my concern regarding a recent phone call I made in an attempt to pay off a previous balance. My intention was simply to resolve the debt and make a payment. Unfortunately, the experience I had was extremely unprofessional and frustrating. When I reached the case manager assigned to my account, XXXX XXXX, I was met with what I perceived to be a very negative and unhelpful attitude. Instead of receiving assistance with settling or making my payment, I experienced dismissive behavior and a lack of willingness to help. Throughout the call, her tone and demeanor felt rude and ill-mannered, which made the process much more stressful than necessary. At one point, I felt that assumptions were made about my ability to pay. After I made a single statement, she suggested that I just mail in the payment, rather than assisting me with resolving the matter over the phone. What was especially concerning is that I was never informed that I could make a payment online through the Southern Management Systems website. This option was not offered or explained to me, nor was I given guidance on how to proceed if I encountered any difficulty. Ultimately, I was hung up on without the matter being resolved. As someone actively trying to take responsibility and pay off a debt, I found this treatment unacceptable. Customer service representativesespecially those handling financial mattersshould demonstrate professionalism, knowledge, and empathy. Unfortunately, none of these qualities were present during my interaction. If calls are recorded, I strongly encourage management to review this specific call to evaluate the tone, demeanor, and lack of assistance provided. No customer attempting to pay a debt should be treated in this manner. Based on this experience, I feel compelled to report this matter to the Better Business Bureau. I sincerely hope corrective action is taken so that other customers do not encounter similar treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I am filing this complaint regarding collection attempts by Aldous & Associates on an alleged debt connected to XXXX XXXX. I cancelled my XXXX XXXX membership through the companys mobile app. After cancellation, I was later informed that the membership had been paused rather than cancelled. I did not intentionally request a pause, nor was I made clearly aware that my membership would remain active in a paused status that would later result in charges. Despite my understanding that the membership was cancelled, charges resumed. These charges were attempted against a bank account that had already been closed. I did not authorize any additional charges after cancellation. XXXX XXXX then claimed I owed a {$190.00} balance plus a {$15.00} fee. I dispute this amount because : I cancelled the membership through the app I did not knowingly request or authorize a pause I did not authorize further billing Charges were attempted to a closed account The account was then sent to Aldous & Associates for collection. After being contacted by Aldous & Associates, I formally requested : Communication via email only That they stop contacting me by phone Proper validation of the alleged debt Despite my clear request for email-only communication, Aldous & Associates continued calling me. I also requested written validation of : The amount of the alleged debt An itemized breakdown of charges Proof that I authorized a membership pause Documentation showing I agreed to any continued billing Proof the debt was properly assigned to collections Their continued phone contact after my written request, along with failure to properly validate the debt, raises concerns under the Fair Debt Collection Practices Act. This situation has caused financial stress and concern as a young consumer with limited credit history. I am requesting : XXXX. Immediate cessation of phone contact XXXX. Full written validation of the alleged debt XXXX. Removal of the account if proper validation can not be provided XXXX. That any improper collection activity cease immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MO

Complaint narrative:
This loan was apparently opened approximately 10 years ago and the company never attempted to contact me for payment. This loan was not made aware to me until I attempted to get a loan for a house and was informed of outstanding debt that I was not previously made aware of. There are XXXX accounts. The original lender has now sold the account to a collections agency and has made it to where I can not access this account. I am unable to get a home loan due to this issue. According to my credit report, it is now a negative account but showed it was previously positive. I have never paid anything towards this loan due to never being contacted for payment. It does not make any sense that this is now negatively impacting my credit history almost 10 years later from the reported start date. I did not finish a degree at that school and was only there for XXXX semester.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: KEYCORP
State: WA

Complaint narrative:
I am filing this complaint against KeyBank regarding an unemployment benefit check issued in XX/XX/year>. The check was issued with an incorrect legal name. Because of this error, I am unable to deposit or cash the check because of the following : My legal name is XXXX XXXX XXXX But the check that was issued to me is XXXX XXXX XXXX I have contacted KeyBank more than reasonable amount of times since XX/XX/year>. Each time I am told the matter will be escalated to a supervisor, but no correction has been made and no reissued check has been provided. I have not received a resolution, timeline, or written confirmation of corrective action. I was also given different information each time I made contact with XXXX department. They either say " Your account has been closed '' " Wait XXXX hours and call us back when you don't received a call from XXXX within the XXXX timeframe '' " The check has been process '' But each time I call back, no check was process or printed, not a single supervisor contact me since XXXX to proceed further with my situation, everything just stayed there for months. This has caused significant financial hardship due to delayed access to unemployment funds that I am legally entitled to receive. I have to take time off of work and during work to get ahold of Key Bank but every time, my status stays idle or unknown because I've given wrong information as well as well as constant delays and negligent of proceeding further actions. This matter has been pending for several months without resolution, and I am requesting regulatory review and assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-25 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: AZ

Complaint narrative:
Validation of Debt Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the above-referenced account and demand its immediate removal from my credit file. This alleged debt is the result of identity theft and unauthorized activity. The telecommunications account associated with this collection was fraudulently accessed and used by an individual located in XXXX, while I reside in XXXX. I did not authorize this account activity, I did not receive any goods or services related to this alleged debt, and I have no legal obligation to pay for fraudulent charges incurred by a third party. Because this account stems from identity theft, I am not responsible for this debt. Reporting or attempting to collect on a fraudulent account constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ) and unlawful collection activity under the Fair Debt Collection Practices Act ( FDCPA ). Accordingly, I demand the following : XXXX deletion of this account from all credit reporting agencies. Written confirmation that the account has been permanently removed and will not be reinserted. XXXX of all collection activity related to this matter. If you continue to report, verify, or attempt to collect on this fraudulent account, I will pursue all remedies available to me under federal and state law, including filing complaints with the Consumer Financial Protection Bureau and the appropriate state regulatory authorities. This letter serves as formal notice that this debt is disputed due to identity theft. I expect written confirmation of deletion within 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Mortgage payment was paid via ACH. Regions mortgage accepted payment but has not applied the funds to the mortgage. Phone calls for a week and still no resolution. The transaction was on XX/XX/year> for {$4800.00}. It was not applied to the mortgage, no shows suspense balance.

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 2026-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CHERRY TECHNOLOGIES INC.
State: AZ

Complaint narrative:
I received a denial for unclear reasons on numerous occasions. It appears that it was due to a purported inability in verifying identity. The adverse action letter vaguely states, " Unable to verify identity '', however, the lender does not specify any details or allow a way to reconsider the decision. The CSR just directed me to wait 30 days and then reapply. I did so multiple times with the exact same outcome. Federal law requires that consumers have a right to fair and transparent lending practices. I request that the lender provide me with a fair and transparent opportunity to apply for its lending products. I am happy to provide a copy of my government-issued ID card and other documents that should satisfy lending requirements. Otherwise, the lender 's failure to provide explanation or an avenue for reconsideration of my application by allowing me to verify my identity unlawfully deprives me of the ability to utilize consumer credit, which is in violation of relevant state and federal laws. Please have the lender immediately process my credit application. Thank you.

Company response to consumer: Closed with explanation