vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Product/Service : Mortgage Issue : Trouble with the escrow account / Servicer failing to properly apply funds. Complaint Details : I am XXXX XXXX XXXX XXXX XXXX who is completely exempt from property taxes under New Jersey XXXX. My mortgage servicer, NewRez, and their tax vendor, XXXX have committed severe escrow accounting errors that violate the Real Estate Settlement Procedures Act ( RESPA ). Their ongoing negligence has forced my escrow account into an artificial shortage of - {$6600.00}, illegally driving my monthly mortgage payment up from {$3200.00} to {$4700.00}. NewRez has issued a formal written denial regarding my escrow correction despite indisputable evidence of their error. My official property tax exemption confirmation date was XX/XX/XXXX. Because NewRez/XXXX mistakenly sent funds to XXXX XXXX XXXX XXXX township tax collector has repeatedly returned the unowed money via physical checks. NewRez/XXXX claims they have not received these funds, which is factually false. The transaction timeline and tracking data are as follows : On XX/XX/XXXX, NewRez claims they disbursed {$2000.00} to XXXX XXXX. XXXX XXXX has no record of receiving this payment, and the funds are missing. On XX/XX/XXXX, XXXX XXXX mailed a refund check for {$4200.00} back to XXXXNewRez Debt Service XXXX On XX/XX/XXXX, XXXX XXXX mailed a second refund check for {$2100.00} back to XXXXNewRez Debt Service . XXXX has failed to properly log, route, or credit these returned township checks back into my active escrow account. Phone customer service agents refuse to assist and continue to give me the runaround, while the companys escrow department issued a baseline written denial. This accounting failure is causing me immense personal and emotional distress. I demand that NewRez immediately assign a high-level corporate analyst to manually audit XXXX 's suspense and clearing logs, locate the returned checks from XXXX XXXX XXXX XXXX out the artificial- {$6600.00} shortage, and immediately restore my monthly payment back to its proper base amount of {$3200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/year> a fraudulent wells fargo credit card was opened in my name without my consent. My identity was compromised and part of a XXXX data breach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
XXXX filing a complaint against " ALDOUS AND ASSOCIATES '' because they are reporting a collection account ( original creditor listed as XXXX XXXX account # XXXX ) that is completely unverified. I never gave permission for them to report anything to the credit bureaus. After I was notified of this collection, I immediately requested proper validation. But they didnt provide anything, no signed agreement, no breakdown of the amount theyre claiming I owe, and no proof they have the legal right to collect this debt. Thats a direct violation of XXXX XXXX ( b ) ( XXXX ) of Regulation F, which says XXXX must provide full debt verification when the consumer requests it. They also failed to give me a fair opportunity to dispute it, violating XXXX XXXX ( c ) ( XXXX ) ( i ). Even though they didnt validate the debt, they still went ahead and reported it to the credit reporting agencies. That is both deceptive and illegal under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which says they cant furnish information to credit bureaus without giving the proper disclosures and the chance to dispute it. They also violated XXXX. XXXX, which says only accounts with a permissible purpose can be included in a consumer report. This account never had my permission or involvement, so theres no valid reason it should be reported under my name. This has caused serious and unnecessary harm to my credit and reputation. XXXX asking the CFPB to investigate this company and require them to : Stop all credit reporting related to this unverified account. Delete this tradeline from all consumer reporting agencies ; Provide full documentation proving the debt is real, including a contract with my signature, proof of the original creditor, and proof theyre legally authorized to collect it. If this matter is not resolved, Im prepared to pursue legal action under 15 U.S.C.1681n and 1681o for willful and negligent noncompliance with the FCRA . Their refusal to follow federal law should not be ignored. Please help get this account removed from my report and make sure theyre held accountable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KY

Complaint narrative:
HSBC bank XXXX need to update all them records and remove them from early warning services and every XXXX u reporting them to cause there resolved threw my XXXX XXXX bankruptcy so please fix it ASAP no negative information all and everything is resolved XXXX sorry needs fixed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
We are filing this complaint regarding PayPal 's continued hold of {$6700.00} in funds related to a completed service transaction. We have been working with PayPal for over XXXX days to resolve this issue and have fully complied with all requests for documentation. We have submitted multiple times : XXXX registration, invoices, bank account information, business website, written explanations regarding our increase in transaction volume, and more. Despite this, PayPal continues to request the same documentation repeatedly, without confirming receipt of providing clear guidance on what is actually required. Each time, we are told that it will be processed within XXXX hours, and then they repeat the initial request. Additionally, we have received inconsistent and conflicting information from multiple support representatives and have experienced repeated failures in promised supervisor callbacks. The transaction in question is legitimate and part of an ongoing relationship with the same client. Other payments from this same client have been successfully processed before and after the held transaction. We have also clarified that our business is service-based, yet PayPal continues XXXX request supplier-related documentation that is not applicable to our business model. At this time, PayPal has not provided a clear explanation for the continued hole of funds, nor a definitive timeline for release.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX, my name was on XXXX data breach which I never had the choice. In the past, I've never contacted Experian nor I ever sent them my email address. Short after the XXXX data breach, Experian contacted me via email and they demanded that I should sign up their service and paying some kind of monthly fees for nothing. I've ignored them since, but they kept sending all sort of XXXX as well as they claimed to open an account under my name without my consent ( see attach image : XXXX ). Over the past 5 years, I was denied on ALL credit card applications from any banks, provided the fact that my credit scores were kept around XXXX in that period. And, my mortgage was long paid off ( or I had {$0.00} mortgage ). Until recent, I was able to detect that Experian has been pulling the sting from a banker 's conversation. This was totally conflict of interest of Experian 's business practice. If I refused to pay for their service, they would keep telling the banks denying my credit card applications. I found this outrageous! During the past 3 month, I requested and reviewed the paper form of my credit report from TransUnion which there weren't any issues in my most recent credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX of 2022, I paid off my credit card in full ( approx {$5000.00} ). Immediately after, the credit card company ( JPMCB ) closed my account and my account was deleted from the website. Approximately 3 years ago, the account showed up on my credit report, showing delinquent payments for a balance of {$270.00}. I disputed this and it was removed from my credit report. About a year ago, it showed back up on my credit report. Now, with even more delinquent payments for the same balance of {$270.00}. I attempted to dispute this again, but was unsuccessful. My credit report now shows 10 missed payments and 33 delinquent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
I am submitting this complaint regarding National Credit Systems , Inc. and a disputed landlord debt originating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado. I disputed multiple charges directly with the landlord prior to the account being sent to collections. The disputed charges included Common Area Maintenance ( CAM ) fees, pest control charges, utility/admin fees, and post move-out rent and utility charges. I repeatedly disputed these charges through the resident portal and written communication XXXX XXXX XXXX XXXX I provided proper notice to vacate and vacated the apartment on XX/XX/XXXX. Despite this, the landlord continued posting additional charges after move-out, including XX/XX/XXXX rent, utilities, pet rent, and deposit insurance. The account ledger fluctuated repeatedly and reflected inconsistent balances over time. No accurate or finalized accounting was provided before the account was referred to collections. I also filed a complaint with the Colorado Attorney Generals Office and requested mediation before the account was transferred to National Credit Systems. After the account was sent to collections, I received repeated phone calls and text messages attempting to collect the debt despite the balance being actively disputed and despite my requests for written-only communication. The account has now also been reported to my credit. I dispute the validity and accuracy of the alleged debt and am requesting investigation into the collection activity and credit reporting associated with this account. I am requesting full validation of the debt, including a complete itemized accounting and documentation supporting the charges being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
As detailed in their email ( attached ) Ally Financial made an offer to me, by targeted email solicitation, that with XXXX XXXX deposits of XXXX {$1000.00}, one would get a {$300.00} bonus. {$1000.00} must be deposited within 60 days of account opening. My issue, explained to Ally many times via email and phone, is even though I went online to the Social Security website and changed my deposit bank to Ally immediately after opening the " spending account '', Social Security takes XXXX days to change deposit accounts for monthly payments. Social Security makes payments during XXXX periods per month, and the payment date depends on your birthday- and I am always paid the last week of the month, which I can not change. The offer thus is knowingly unattainable, highly misleading, and arguably constitutes a deceptive promotional practice. owing to the Social Security agencys standard processing timeline for direct-deposit changes. Realising this might be a problem with them, though, I had organised a {$1000.00} XXXX direct payment from my employment to the account ( from XXXX, credited XXXX ), which should have met their restrictive requirements even if the first Social Security payment within 60 days was impossible ( and they do not acknowledge this deposit in their previous responses ). Ally apparently reserves the right to deem any XXXX deposit as non-qualifying at their discretion, presumably to avoid honoring their offer. Their email responses reveal that they understand the problem with Social Security XXXX deposits, because they state : " New customers must keep in mind that some QDDs XXXX not initially take effect until XXXX payroll cycles ''. ( By the way, I am not a new customer- as I have another account with them that had previously been credited Social Security payments, so they would have known my payment dates when making me the offer ). So Ally Financial has made an offer to retired people on Social Security that they never intended to honor. And while extremely frustrated at their unfairness, and inability to communicate with any representative who has the power to resolve issues, I can not even close my accounts now because my Social Security payments will continue to be credited to that account for at least XXXX more months after I change my banking information with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
On XX/XX/XXXX I notified Barclays credit card company that I will be out of country in XXXX from XX/XX/XXXX through XX/XX/XXXX, I also notified our bank. I did make a {$100.00} charge on XX/XX/XXXX but ultimately I was charged {$820.00} on XX/XX/XXXX. I only have a {$2000.00} credit limit on this credit card and there was only less than {$200.00} available. While I was in XXXX from XX/XX/XXXX through XX/XX/XXXX there was multiple charges with varying amounts from $ XXXX, $ XXXX, $ XXXX, & this {$820.00}, and these and other charges were showing up on same day but they were in the pending and they eventually dropped of as declined because I had less then {$200.00} available. The one charge of {$820.00} was approved by credit card company. I disputed this charge on XX/XX/XXXX through my cell phone online because I only had wifi, no cell phone coverage. I was given message that card is canceled and new credit card being mailed. After returning to XXXX on XX/XX/XXXX I called Barclays credit card and they did not have a dispute yet my credit card was canceled and another one being shipped. I attempted to file a complaint through Barclays concerning allowing an {$820.00} credit card charge get approved when that was {$500.00} over my credit limit and I was in XXXX and I informed Barclays on XX/XX/XXXX that I'm out of country. For years I can't make a charge over {$500.00} without calling them first as they get declined. Barclays refuses to investigate why this happened and refers everything to the dispute when it is the credit card company that approved the {$500.00} over credit limit charge while we are in another country. I am dealing with the dispute too and I filed an FTC complaint and a Missouri Attorney General complaint concerning that dispute. For days false charges were be charged to my credit card and were properly getting declined, a clear pattern of charges while I was knowingly out of country.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am filing this complaint regarding unauthorized changes to my Wells Fargo account preferences, suppressed mail delivery, inaccessible alerts/emails, and missing online statements. I never provided anyone with my passwords or authorized anyone to change my account settings on my behalf. In XX/XX/XXXX, I received alerts showing that notice and statement delivery preferences were changed on multiple accounts, including accounts ending in XXXX and XXXX, as well as my mortgage account. These changes switched notices and statements to online delivery. I did not make or authorize these changes. On XX/XX/XXXX, I visited my local Wells Fargo branch and was informed by a branch employee that my mail had been suppressed. I again made no changes to my account preferences during that visit. Additionally, multiple online statements for account ending in XXXX later became unavailable or were removed from online viewing, including statements from XXXX, XXXX, and XX/XX/XXXX ; XXXX and XX/XX/XXXX ; and XXXX and XX/XX/XXXX. Alerts and emails associated with my accounts also later became inaccessible prior to XX/XX/XXXX. I changed my password on XX/XX/XXXX. On XX/XX/XXXX, there were multiple failed login or authentication attempts associated with XXXXconnected devices during early morning hours when I would not ordinarily have been accessing my accounts. I opened multiple cases with Wells Fargo and requested records regarding account changes, audit trails, online access history, mail suppression settings, and missing statements. Wells Fargo has not fully explained why these changes occurred, who authorized them, or why records and online visibility were altered or removed. These issues significantly impaired my ability to monitor my accounts and financial records and caused financial, legal, and emotional harm to me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/year>, I sent Midland Credit Management a written dispute and request for verification regarding the account being reported on my consumer credit reports. In my dispute, I requested documentation including proof that I am legally obligated for the alleged debt, documentation showing Midland Credit Managements authority to collect, the original creditor information, date of delinquency, and a complete payment history. I do not believe the information provided sufficiently verified or substantiated the account and balance being reported and collected. Despite my dispute regarding the accuracy and completeness of the information, the account continues to be reported to the consumer reporting agencies.

Company response to consumer: Closed with explanation