vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
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 ) XXXX, 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 XX/XX/XXXXdays : 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 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I'm a victim of XXXX XXXX XXXX and XXXX XXXX. XXXX has removed the collections from my credit report when this first took place, but XXXX and XXXX are still reporting the collection. I'm under the XXXX years identity theft monitoring due to the identity theft. All my data was sold to people I don't even know, people are using my name who is not me on dark web sites and I'm still working on that right now so I can be the only one that is me,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LoanCare, LLC
State: IL

Complaint narrative:
Date : XX/XX/year> LoanCare , LLC Attn : Property Preservation / Mortgage Resolution Department Re : Notice of Occupancy and Demand to Cease Property Preservation Activity Property Address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX IL XXXX Loan Number : XXXX To Whom It May Concern, I am the homeowner and occupant of the above-referenced property. On or about XX/XX/scrub>XXXX XXXX a notice was placed on my property stating that the home had been determined to be vacant and/or abandoned and that the mortgage holder may rekey or winterize the property within three days. This determination is incorrect. The property is not vacant or abandoned and is currently occupied. The notice was left by an inspector, XXXX from XXXX XXXX XXXX, which I understand is a subcontractor working for XXXX XXXX. XXXX XXXX appears to be acting as a property preservation vendor on behalf of LoanCare , LLC. When I spoke with the inspector, he indicated that the property had been reported as vacant by LoanCare. That report is inaccurate. Please be advised that the property is occupied and has not been abandoned. This property is also currently involved in an active court proceeding related to the mortgage. Because the property is occupied, any attempt by LoanCare , LLC or its agents, contractors, vendors, or subcontractors to enter, secure, rekey, winterize, or otherwise interfere with the property would be improper and unauthorized. Accordingly, you are hereby directed to immediately : Correct your records to reflect that the property is occupied XXXX XXXX XXXX and all subcontractors, including XXXX XXXX XXXX, that the property is not vacant Cease any property preservation activities based on the incorrect vacancy determination Ensure that no lock changes, winterization, or entry attempts occur while the property remains occupied This correspondence also serves as formal notice that the property is occupied and that any attempt to enter the property without authorization will be disputed. Please provide written confirmation that your records have been updated and that no property preservation actions will be taken while the property is occupied. Thank you for your prompt attention to this matter. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX 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 2026-03-12 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: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
I called Pennymac in XXXXXXXX XXXX XXXXXXXX regarding mortgage relief due to a temporary hardship. I was sent the application for mortgage relief and asked them at that time about the process and if it would impact my credit negatively. I was informed that the process is to submit the application and to not make any payments on the account while my application is in process. I was informed that during the process my account would be reported as " paying under a partial of modified payment agreement. '' It was represented to me that if my application was approved that my payments would not be considered late as they would add them onto the end of my mortgage. The plan was approved in XXXXXXXX XXXX XXXXXXXX. I discovered in XXXXXXXX XXXX XXXXXXXX that they had reported my account as past due in XXXX and XXXXXXXX XXXX XXXXXXXX. I would not have considered this as an option if I had been made aware that this would be the result of an approved forbearance. I specifically asked about the credit impact and was not given this information. I contacted Pennymac in XXXXXXXX XXXX XXXXXXXX and requested documentation regarding this and was told that they would send it to me. It was not sent. I offered to make those payments and was told it wouldn't change anything. I can find no available information that if your forbearance is approved, they will report that time as late payment on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rosenberg & Associates Recovery Services
State: GA

Complaint narrative:
A company called Rosenberg and associates calls me up to XXXX times a day. No exaggeration. When I answered the phone in the beginning, I always ask who is the original debt with and they just say a loan you took out inXX/XX/2012. My credit was so bad and is still so bad that I can not get a loan of any sort. When I ask them to send proof of the debt they try to get more information for them to continue to harass me. They change their phone number to a new number every time I block them. They have also been threatening on the phone by saying this is your debt and you need to pay it.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
Im having difficulty resolving my issue with Affirm because the customer support representatives Ive spoken with have had significant language barriers, making it difficult to communicate and resolve my account problem. I have contacted support multiple times and still have not received clear assistance. Im requesting that Affirm provide competent customer service or escalate my issue to a supervisor who can clearly address the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, 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 ) XXXX, 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 XX/XX/XXXXdays : 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 non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of a dispute on my account. On XX/XX/XXXX, a charge of {$670.00} from XXXX was made on my account that I did not authorize or approve. I also received a notification about suspicious activity related to this transaction. Despite reporting this to Bank of America, my dispute was denied without what I believe to be a proper investigation. When I spoke with a Bank of America representative, I was told that the merchant, XXXX, only provided them with a delivery address but did not provide a tracking number or any proof that the item was actually delivered. This should not be considered sufficient proof that the transaction was legitimate. Additionally, I have proof that the order was canceled and that a refund credit was issued through the XXXX app. Unfortunately, I no longer have access to the app to retrieve that documentation, but the cancellation and refund were processed through the merchants platform. I believe Bank of America failed to properly review the evidence and did not adequately protect me as a customer against an unauthorized transaction. I am requesting that this matter be reinvestigated and that the {$670.00} charge from XX/XX/XXXX from XXXX be permanently removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have a Bank of America credit card. I traveled to XXXX XXXX for vacation and on XX/XX/year>, I visited a national park. At the entrance of the national park there was a company offering guided tours within the park. I was told it would cost {$40.00} XXXX for the tour. I gave the man my credit card and he charged it using a hand-held machine. He did not give me a receipt. I took the guided tour. Upon returning to the United States on XX/XX/year>, I reviewed my credit card statement and learned that the tour company had charged {$20000.00} to my card, rather than {$40.00} for the tour. It is possible this was unintentional, as the exchange rate for American dollars to XXXX XXXX XXXX would equate to roughly XXXX XXXX. I immediately called Bank of America to dispute the amount. I was told to file a formal billing dispute, which I did. While I was not given a receipt for the tour, I did submit my receipt and tickets to the National Park, as well as my travel itinerary, to show the dates of my travel and attendance at the park. It is simply illogical that someone would pay {$20000.00} for a tour of a national park with a {$16.00} entrance fee. On XX/XX/year> I received a notice from Bank of America that my dispute was denied because I had not submitted a receipt and my complaint was considered resolved. I called Bank of America and was told they would " look at it again, '' but that the reason it was denied was because I did not have documentation showing I was charged the wrong amount. It is also worth noting that despite the extremely high amount of the charge, it was not flagged as suspicious and the only reason I learned of the error was because I checked my statement immediately upon my return to the United States. I was overcharged by {$19000.00} for a {$40.00} tour and Bank of America has denied my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: eToro USA LLC
State: OR

Complaint narrative:
On XX/XX/year>, I deposited {$5000.00} into an eToro account after eToro confirmed, both in-app and on its website, that I was eligible for a {$500.00} XXXX ( XXXX ) XXXX bonus. I selected XXXX as my Qualified Cryptocurrency during registration, as required by eToro 's Terms and Conditions. Under Section II ( b ) of those Terms, eToro was required to credit the bonus within seven days of my deposit settling, making the deadline approximately XX/XX/year>. Almost immediately after my deposits cleared, eToro froze my account without explanation. My identity and phone number were already fully verified before I made the deposit. During the freeze, I uploaded every document eToro requested, completed live identity verification on XX/XX/year>, participated in near-daily support chats, and spent close to an hour on the phone with an eToro representative named XXXX, answering every question asked. My account was fully verified by eToro 's own process. The freeze continued for nearly two weeks with no explanation or legal basis provided. On approximately XX/XX/year>, eToro closed my account and liquidated equity position ( s ) I had opened and never authorized eToro to close. eToro returned only my original deposit amount. It has not paid the {$500.00} XXXX bonus, has not remitted any proceeds from the unauthorized closure of my position ( s ), and has provided no trade confirmations, no final account statement, no accounting of how my positions were handled, and no written explanation for the restriction, freeze, or closure. I continue to receive monthly statement notifications from eToro but am unable to log in or access any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Every time I try to call aidvantage they hang up on me the second I get to " your phone call XXXX be recorded for quality purposes. '' The line immediately hangs up on me and I can't reach anyone. This happens every time I try. I don't like using the live chat feature through them because a lady was not nice to me on there when I had questions about my plsf application. I've never had someone tell me " I don't know what you're talking about '' before specifying what they were asking before.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am a victim of scam Let 's explain, I watched some entertaining videos on XXXX. An ads appears in the middle of the video.By accident, I clicked on that ad, then they took me to a separate website.There were some interesting XXXX videos showing, in the middle of the video they asked me to take a premium subscription so they would show the full video.The condition there is that the subscription is free, I just have to add my bank details.There are my personal details and my Gave me XXXX XXXX XXXX info then got me to watch the full video.Since no XXXX were deducted from my XXXX at the time, I didn't pay any attention to it.After I finished watching that XXXX video, I started watching XXXX videos again. The real story is now XXXX days later, a huge transactions were made from my XXXX XXXX to XXXX, amount {$990.00} dollar .. I don't have XXXX account and also family don't have a XXXX account, so I contacted the XXXX customer service and opened a dispute when I saw the transactions. A few days after opening the dispute, The bank first refunded me the full amount, then deducted my money again a few days later. Where I personally or my family does not have a XXXX account So how do banks give their opinions in favor of merchants? So how can people trust XXXX? I will never transact on XXXX again from XXXXoday.They lost my trust, and I lost my money. Now I want to request CFPB please review my case and please Please arrange for my XXXX to be returned. I was scammed by a fake website. My XXXX account details Username : XXXX Email : XXXX XXXX XXXX amount : {$990.00} I am contesting these transactions and please arrange for my XXXX to be returned. Note : I don't have XXXX account it's 100 % true.please contact with XXXX company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: NC

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bilt Technologies, Inc.
State: TX

Complaint narrative:
On XX/XX/year>. I had applied for the BILT XXXX Blue card, when I called about switching to the XX/XX/XXXX XX/XX/XXXX, the BILT support told me to not accept the blue card offer and to wait for theXX/XX/XXXXoffer. This offer never came. On XX/XX/year> I made a payment of {$130.00} on thru the BILT app. This payment never made it to the XXXX XXXX account. BILT customer support has been providing incorrect responses to my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
My wages are being garnished for an old credit card debt by Eatongroup of XXXX XXXX, La. In XX/XX/XXXX the debt was completely paid off. Here we are mid XX/XX/XXXX and my wages are still being garnished. I have made numerous attempts to contact them with no response.

Company response to consumer: Closed with explanation