vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
* * Product : * * Debt Collection * * Issue : * * Attempts to collect debt not owed / Inaccurate information on credit report * * Company Name : * * Midland Credit Management , Inc . * * Account Number ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint : * * I am submitting this complaint regarding accounts being reported and/or collected by Midland Credit Management. I have formally disputed these accounts and requested full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Specifically, I requested proof of ownership of the alleged debts, including documentation demonstrating Midland Credit Managements legal authority to collect, a complete chain of assignment from the original creditor, a copy of the original signed agreement, and a full payment history with an itemized breakdown of the balances. To date, Midland Credit Management has failed to provide sufficient documentation to validate these debts and/or verify their accuracy. Despite the lack of proper validation, Midland Credit Management continues to report these accounts to consumer reporting agencies. Reporting information that is not properly verified or substantiated constitutes inaccurate reporting and may violate the Fair Credit Reporting Act. Additionally, continued collection activity without providing the requested validation may violate the Fair Debt Collection Practices Act. I am requesting that Midland Credit Management : XXXX. Provide complete and proper validation of the alleged debts, including proof of ownership and full documentation ; or XXXX. Immediately cease collection activity and delete these accounts from all consumer reporting agencies if they can not be properly validated. I request that all communication regarding this matter be conducted in writing only. I am maintaining records of all correspondence and reserve the right to pursue further legal remedies, including civil action, if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: CA

Complaint narrative:
I received an unsolicited debit card from Cash App at my home address, addressed to me with a Cash App id that is not my own. I immediately went to my Cash App account and went to the Cash App website but could not find assistance for this type of issue. I never requested a Cash App card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: KS

Complaint narrative:
* * Product : * * Debt Collection * * Issue : * * Attempts to collect debt not owed / Inaccurate information on credit report * * Company Name : * * LVNV Funding LLC ( serviced by Resurgent Capital Services ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint : * * I am submitting this complaint regarding an account being reported and/or collected by LVNV Funding LLC XXXX I have formally disputed this account and requested full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Specifically, I requested proof of ownership of the alleged debt, including documentation demonstrating LVNV Funding LLCs legal authority to collect, a complete chain of assignment from the original creditor, a copy of the original signed agreement, and a full payment history with an itemized breakdown of the balance. To date, LVNV Funding LLC has failed to provide sufficient documentation to validate the debt and/or verify its accuracy. Despite the lack of proper validation, LVNV Funding LLC continues to report this account to consumer reporting agencies. Reporting information that is not properly verified or substantiated constitutes inaccurate reporting and may violate the Fair Credit Reporting Act. Additionally, continued collection activity without providing the requested validation may violate the Fair Debt Collection Practices Act. I am requesting that LVNV Funding LLC : 1. Provide complete and proper validation of the alleged debt, including proof of ownership and full documentation ; or 2. Immediately cease collection activity and delete this account from all consumer reporting agencies if it can not be properly validated. I request that all communication regarding this matter be conducted in writing only. I am maintaining records of all correspondence and reserve the right to pursue further legal remedies, including civil action, if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
I had previously a PayPal account XXXX years ago that got hacked and XXXX individual sent {$100.00} to my old account on XX/XX/XXXX. I messaged her I could not access that fund and even called PayPal to deactivate it however they could not find it on their end. That same person had to request a refund from my old hacked account but instead they made me refund the new {$100.00} she sent to my current account. I never heard anything back. -- On XX/XX/XXXX XXXX individuals tried sending me money for a class reunion deposit for a ticket. However, I was informed by these people that PayPal would not let them send money to me. I then received a notification that PayPal had deactivated my account and froze the ability for me to access {$400.00} in my account to cover the reunion tickets that were due on XX/XX/XXXX. I submitted appropriate document requested from PayPal ( drivers license photo, information for my account, etc ) however they denied my access to reactivate my account. I have called them numerous times and their customer service agency is no help at all. I requested a supervisor call me back to find out what was so confidential that they could not tell me why my account was deactivated. I requested to be called back at specifically XXXX XXXX XXXX time due to my work schedule however they called me at XXXX pm that day and XXXX am the following day. I called back again very aggravated due to them not calling me back at the appropriate times since the second call back the supervisor told me they would not contact me again due to me not being able to answer my phone in enough time. They told me my account is deactivated without me being able to access any funds to withdraw for XXXX so anyone that sent me money can ask for their money back. So, I reached out to the XXXX individuals who paid me money to get their money refunded back to them since I can not access their money now until XXXX. However, multiple individuals have been denied their refund claim due to PayPal stated it was " sent to a trusted user ''. However, what I don't understand is how they can deactivate my account for whatever reason deeming it is not safe to send money to but yet refuse the individuals requesting their money back because it was sent to a trusted source. This seems very fraudulent and sketchy. I tried calling back numerous times and towards the end they stopped getting back to me like they are tired of dealing with me and intentionally avoiding me to get this resolved. I told them I would file a complaint with the CFPB if this was not resolved and they still told me they could not tell me why my account was deactivated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony Bank closed my account XXXX without any prior notice or communication. The only reason I was made aware of this information is once a payment was rejected and after posting a large payment to Synchrony Bank. They are more than happy to take my money but will not provide information as to why the account was closed. Horrible business practices and Customer Service. I do not plan on ever utilizing Synchrony Bank again after this situation.

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 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
PenFed Credit Union received a XXXX XXXX check in the amount of {$2500.00} submitted for application toward a PenFed auto loan. The check was submitted with written instructions for application of the funds toward the loan. PenFed stated in writing that it considered the check stale dated, intended to void it, and would forward it for shredding. Less than an hour later, PenFed representative XXXX stated by phone that the check had already been shredded and that PenFed would not correct the issue or take steps to obtain a replacement check. This complaint concerns PenFeds destruction of a negotiable instrument received for payment processing. It does not concern any demand that PenFed guarantee payment before the check cleared. The proper payment-processing issue was presentment to the appropriate payor or drawee institution for a payment decision, not unilateral destruction by PenFed. XXXX XXXX advised that the check remained valid and did not expire. Under Texas XXXX XXXX XXXX XXXX XXXX, a check more than XXXX months old is not automatically void. The statute provides that a bank is not obligated to pay a stale-dated check, but may still pay it in good faith. PenFed therefore appears to have treated a stale-dated instrument as void when the governing rule does not make the instrument void. Texas XXXX XXXX XXXX XXXX XXXX addresses presentment as a demand for payment made to the drawee or party obligated to pay the instrument. By destroying the check instead of routing or presenting it for a payment decision, PenFed prevented ordinary presentment and deprived the payor or drawee side of the opportunity to decide whether the instrument would be paid or dishonored. Texas XXXX XXXX XXXX XXXX XXXX recognizes that conversion principles apply to negotiable instruments. PenFeds destruction of the check raises a compliance concern because PenFed took possession of a negotiable instrument submitted for payment processing and then destroyed it rather than preserving, returning, routing, or presenting it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
My mortgage loan was transferred to ServiceMac LLC from my original lender. Shortly after the transfer, ServiceMac improperly placed a force-placed hazard insurance policy on my property despite the fact that I have maintained continuous homeowners insurance coverage. As a direct result of this error, my monthly mortgage payment increased from approximately {$5200.00} to {$9500.00}. I immediately provided proof of insurance multiple times and have spent over XXXX months attempting to resolve this issue through repeated phone calls. ServiceMac has acknowledged the issue partially and issued a partial refund. However, they still owe approximately {$11000.00} in overpaid funds. Additionally, they have failed to correct my escrow account, and I continue to be billed the incorrect inflated monthly payment and a incorrect escrow account. Despite my repeated efforts and submission of documentation, the issue remains unresolved. I am requesting : Immediate removal of the force-placed hazard insurance policy Full correction of my escrow account and monthly payment Refund of all remaining overpaid funds ( approximately {$11000.00} ) Written confirmation that my account is current and has not been negatively reported to any credit bureau This ongoing error is causing significant financial strain and reflects a failure in proper mortgage servicing practices.

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 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I am filing a complaint regarding the handling of my escrow account and a significant increase in my monthly mortgage payment. In XXXX, my homeowners insurance premium increased from approximately {$1700.00} to {$5800.00}. Despite this increase, my escrow payment was not adjusted in a timely manner. On XX/XX/XXXX, I received an escrow analysis showing a shortage of approximately {$3000.00}, which was spread over 24 months. However, this analysis did not accurately reflect the true impact of my increased insurance premium. In XX/XX/XXXX, my mortgage servicer paid my homeowners insurance in the amount of approximately {$5800.00}, causing my escrow account to become significantly negative ( over - {$7000.00} ). Despite this, my escrow payment was still not properly adjusted. On XX/XX/XXXX, I received a new escrow analysis showing a shortage of {$10000.00} and increasing my monthly mortgage payment from {$1100.00} to {$2200.00}, which is nearly double my previous payment. On XX/XX/XXXX, I contacted the company to dispute the shortage and was told I would receive an updated escrow analysis within 3 days. I did not receive it. I followed up and was later told the review would be completed by XXXX ( early XX/XX/XXXX ), but that deadline was also missed. I was eventually provided a letter dated XX/XX/XXXX, confirming that my complaint was received ; however, I have not received a resolution, updated escrow analysis, or a clear timeline for completion. I have made multiple requests for : A full escrow analysis and explanation of the shortage Clarification on why my escrow was not adjusted when my insurance increased A reasonable repayment plan A timeline for resolution To date, the company has failed to provide a timely resolution or adequate explanation. I believe the large escrow shortage is the result of delayed or improper escrow adjustments, and I am now being asked to absorb a sudden and unreasonable increase in my monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase credit card co.acct. # XXXXXXXX XXXX XXXXXXXX showed that payments to my card had posted and were credited to my account from a ACH account ending in XXXX. After I shipped the merchandise to the company I had purchased the items for Chase came back ten days later and said the payments did not go through and my payment credits were reversed in the amount of {$17000.00}. This is what I have been defrauded. The company is no where to be found?? I filed a police report. Now I am stuck with the bill because Chase said the ACH payments were good 5 business days days after only to have them reversed after more then 10 days business days later??

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: TX

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This complaint involves a {$1500.00} XXXX purchase made on XX/XX/XXXX, which was financed through XXXX as an installment plan with recurring monthly payments. The tickets were never received. The shipment required a direct signature but was signed for by an unknown third party, and I did not receive the package or tickets. As a result, I was unable to attend the event. XXXX failed to resolve the issue under its guarantee. I disputed the transaction with my bank. While one individual installment payment of {$140.00} was credited, the bank limited the dispute to a few recurring charges ( approximately {$590.00} total ) instead of addressing the full underlying transaction. As of now, I have paid approximately {$880.00} toward this purchase, and there is still approximately {$880.00} remaining, with six additional automatic payments scheduled through XX/XX/XXXX. XXXX remains active through XXXX. The bank informed me that future charges have been blocked on my card. However, this does not resolve the issue because the financing agreement with XXXX remains active. If I stop making payments, I risk negative credit reporting, even though the goods were never received. I have contacted both the bank and XXXX multiple times requesting a full investigation and resolution of the underlying transaction. Despite this, the issue remains unresolved, and I continue to face ongoing financial harm due to recurring charges tied to a transaction for goods that were never delivered. This is not a dispute about isolated charges. It is a dispute about a single transaction that was financed and continues to generate recurring payments despite non-receipt of goods. The failure to properly address the full transaction has resulted in continued billing and potential credit risk, even after I reported the issue and provided supporting documentation. Claim # XXXX

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: CA

Complaint narrative:
I am filing a follow-up complaint regarding Americors handling of my debt resolution program, which has resulted in significant financial and legal harm. I enrolled in Americors program over two years ago with the understanding that they would negotiate my debt with creditors, including XXXX XXXX. I made consistent monthly payments in good faith. However, Americor failed to initiate any negotiation with XXXX XXXX. As a direct result of this failure, I was sued, and a court judgment was entered against me on XX/XX/XXXX. Following the judgment, I contacted Americor to urgently request that they begin negotiations with XXXX. At that point, Americor informed me that I must provide an additional deposit of {$2700.00} before they would begin any negotiation. This requirement raises serious concerns : This additional funding requirement was not clearly disclosed at enrollment. Americor failed to act for over two years before the lawsuit and judgment occurred. Even after I expressed willingness to provide the requested deposit, Americor did not provide any guarantee of results or any estimated timeline for resolving the matter. Americor did not demonstrate that they had previously attempted to contact or negotiate with the creditor. I relied on Americors services to avoid exactly this outcome. Instead, I am now facing a legal judgment, additional financial obligations, and continued uncertainty. Americors conduct appears to involve failure to provide contracted services, lack of transparency, and potentially deceptive practices by collecting fees without performing meaningful negotiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
They refuse to stop accepting auto payments even though the account was closed. They they will keep accepting them indefinitely. There is no way to completely close the checking to not accept payments.

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