vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
formal complaint against a debt collection agency for reporting an alleged debt on my credit report without ever attempting to contact me beforehand. 

I recently discovered that the debt collector reported an account in collections to one or more credit reporting agencies. Prior to this reporting, I never received any communication from the collector, including phone calls, letters, emails, or a written validation notice. I was not given the opportunity to verify or dispute the debt before it was placed on my credit report. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide written notice of the debt and my right to dispute it. Reporting a debt to credit bureaus without first making contact or providing proper notice is unfair and has negatively impacted my credit. 
I am requesting that the CFPB investigate this matter and require the debt collector to : Provide proof that proper notice was given, or Remove the collection account from my credit report if proper notice was not provided. 

Below are the relevant details : Debt Collection Agency : National Credit Systems Account Number : XXXX Date I discovered the collection : XX/XX/year> Credit bureaus reporting the account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage was foreclosed in XXXXXXXX XXXX XXXX XXXX in XXXX XXXX. XXXX. The foreclosure judgment was entered in the name of XXXX XXXX XXXX XXXX XXXX as Trustee for the XXXX XXXX XXXX XXXX. Rushmore Loan Management Services acted as mortgage servicer. 

After the foreclosure sale, XXXX XXXX XXXX, through attorney XXXX XXXX, filed motions in the foreclosure case claiming entitlement to surplus funds being held by the Clerk of Court. XXXX asserted that it was a creditor with lien rights even though it was not the foreclosing plaintiff and does not currently own the loan. 

My records show that XXXX XXXX  transferred the loan to XXXX in XXXX. However, XXXX later transferred or sold the loan. Subsequent notices, servicing records, and court filings identify XXXX XXXX XXXX XXXX XXXX as Trustee for the XXXX XXXX XXXX XXXX as the loan owner, with XXXX and previously XXXX XXXX  acting as servicers. 

XXXX has no recorded assignment giving it ownership of the loan at the time of foreclosure or surplus proceedings. Despite this, XXXX and Rushmore are attempting to collect surplus funds by filing court motions and supporting claims that they are entitled to payment. 

This constitutes false creditor representation and improper debt collection. A former loan owner is attempting to collect money after the loan was sold. Rushmore is facilitating or supporting this by continuing to treat XXXX as a creditor and enabling it to file claims. 

I also discovered that foreclosure counsel previously associated with Rushmore and XXXX  is receiving court service and borrower communications through a disguised email address, XXXX, which traces back to XXXX XXXX XXXX XXXX XXXX XXXX, a foreclosure firm that has been closed for misconduct. This shows undisclosed counsel involvement and manipulation of the court service list. 

This has allowed XXXX and Rushmore to appear absent while secretly monitoring and influencing court proceedings, including surplus fund motions. 

I filed an Emergency Objection and Motion to Strike in XX/XX/XXXX before any surplus funds were released. The Clerk confirmed the money remains in the court registry. Any attempt to collect or distribute funds while standing is disputed violates consumer protection and due process. 

I request that Rushmore Loan Management Services and XXXX XXXX  XXXX be required to produce the full chain of title, identify the true current loan owner, explain why XXXX is filing surplus claims, and cease all collection activity unless lawful ownership is proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal is unlawfully withholding {$16000.00} in non-commercial government funds issued by the California State Disbursement Unit ( CASDU ). These funds are protected child support disbursements. PayPal restricted my account and locked my access prior to the submission of any identity verification documents or the completion of the required Customer Identification Program ( CIP ). According to PayPals own Balance Terms and Conditions, specifically sections 1.1 and 1.3, an account is not fully established until this process is finalized. By blocking the verification process before it could even begin, PayPal prevented the formation of a binding User Agreement. PayPal is now attempting to enforce a XXXX security hold based on a contract that was never legally finalized. Furthermore, PayPal has refused to return the funds to the state agency via an XXXX XXXX ( XXXX XXXX ). Because these are government-issued child support funds, there is no commercial risk or possibility of a consumer chargeback. PayPal is seizing government property without a valid contractual or risk-based justification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I previously filed a complaint regarding the termination of a long term assistance program on my account. Barclays Bank Delaware has responded by stating that notices were mailed and that the account reporting is accurate. However this response fails to address the core issue of unfair consumer treatment and reliance. 

I relied on the long term assistance program to keep my account stable. The termination of that program resulted in interest accumulation and a significant increase in my balance, which directly caused negative credit reporting and a substantial credit score drop. Barclays has not demonstrated that reasonable procedures were followed to ensure I actually received notice in time to prevent harm. 

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), furnishers are required to follow reasonable procedures to assure maximum possible accuracy and fairness of consumer information. Reporting negative changes caused by an undisclosed or ineffective program termination is misleading and does not reflect the true nature of the account while I was relying on the assistance arrangement.

Additionally, under 15 U.S.C. 1681i, once a consumer disputes the circumstances surrounding reporting, the furnisher must conduct a reasonable reinvestigation. Simply restating internal records without addressing consumer reliance, notice effectiveness, and resulting harm does not meet this standard. 

Barclays response focuses on internal documentation rather than whether its actions created an unfair or deceptive outcome. Allowing interest to accrue and credit damage to occur while a consumer reasonably believed an assistance program was active constitutes unfair treatment.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Central Portfolio Control previously responded to a consumer complaint by uploading detailed medical records connected to an alleged account. The materials included hospital documentation and health related information that should never be shared in a credit reporting dispute. After doing this, the company refused to address the issue and closed the complaint as a duplicate. 

This complaint is not about a billing disagreement. It is about the improper exposure of health information and the continued reporting of a collection account after that exposure occurred. The disclosure of medical records was unnecessary for any credit reporting purpose and created a serious privacy concern. Despite this, the account continues to appear on my credit reports with XXXX XXXX XXXX XXXX 

Once private medical information is mishandled, the accuracy and compliance of the reporting itself is called into question. A company that can not safeguard sensitive health data should not be furnishing information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I made a + {$600.00} purchase on XXXX using paypal. It shipped XXXX. The last tracking activity was on XXXX. It was originally supposed to arrive on the XXXX. As of XXXX it has still not shown up nor have there been any updates to the tracking. XXXX seems to have lost the package. 

The seller refuses to issue a refund so I went to paypal to file a dispute against the seller on XXXX. My initial case resolution date was supposed to be XXXX. That day came and went without a word from paypal. I called them and they told me that the " system '' WILL have an update for my on the XXXX. Today I called them again and now they are saying that there WILL be an update on XXXX. I can see a pattern here. 

The estimated resolution date has gone from XXXX to XXXX to XXXX to now XXXX. The date just keeps getting pushed back. 

I asked them why they kept pushing the dates back and they told me that is the date that the " system '' generated. Whatever that means. And they can not overwrite it. 

I feel like I am just being lied to non-stop. The customer support people are mostly polite but not helpful. Dates keep getting pushed back with no end in sight. I don't feel like paypal delivers on its promise of purchase protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am submitting a complaint regarding inaccurate reporting by Absolute Resolutions I, a debt buyer, concerning an account originally held with XXXX XXXX XXXX XXXX. This account is reported to XXXX XXXX XXXX XXXX, but the primary issue lies with the furnisher, Absolute Resolutions I. 

Previously Reported ( Verified History ) : Date Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Balance : {$20000.00} Currently Reported ( Inaccurate ) : Date Opened : XX/XX/XXXX Status : Collection account, {$20000.00} past due Errors and Legal Violations : 1. Illegal Re-Aging : The account is reported with a new opening date in XXXX, which violates FCRA 605 ( c ).

2. False Furnishing of Information : The reported dates contradict the verified history from the original creditor, violating FCRA 623 ( a ) ( 1 ) ( A ). 
3. Unlawful Reinsertion Without Notice : The account was previously deleted from my credit report and reinserted without the required notice under FCRA 611 ( a ) ( 5 ) ( B ). 

These errors materially misrepresent the age and status of the debt and have negatively impacted my credit profile. 

Request : I am demanding immediate deletion of this tradeline from XXXXXXXX XXXX XXXX XXXX 

Failure to comply may result in regulatory enforcement or legal action under FCRA 616617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing this complaint because Chase Bank mishandled a legitimate dispute, failed to protect me despite advance notification to their fraud team, and left me financially harmed after a merchant improperly processed credit card authorizations. 

Before these charges occurred, I contacted Chase Sapphire Reserves Fraud Department and explained that a merchant in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would be attempting to place large * temporary * authorization holds on my account, and that these were NOT to be captured as finalized charges. Chase assured me that these transactions would be flagged and blocked if attempted. 

Despite this, the merchant successfully processed XXXX large credit card authorizations. These were explicitly agreed to by the merchant as temporary authorizations only because the real payment was to be made by wire transfer. The full invoice was subsequently paid via international wire the following day, accepted by the merchants vendor, and fully documented. 

Instead of releasing the authorizations, the merchant improperly converted them into finalized charges, resulting in duplicate payment for the same service.

I then filed a dispute with Chase. The acquiring bank ( XXXX XXXX ) auto-rejected the dispute twice, despite proof of : The authorization being temporary only Full payment having already been made by wire Duplicate billing for the same transaction Chase has now told me they can not take further action, in part because the dispute was originally coded as merchant-related instead of bank failure. However, this coding error was caused by Chases own internal misalignment : the fraud department and disputes department do not communicate, and employees later acknowledged that my dispute would have been handled differently had Chases fraud controls properly blocked the transaction in the first place ( as mentioned on my XX/XX/XXXX call with their team ). 

This situation is the result of : -Chases failure to block charges after prior fraud notification -Improper and unjustified denial of a legitimate dispute -Internal process failures leaving the consumer without protection As a result, I am out a significant sum of money and Chase has left me without remedy. I am asking CFPB to require Chase to properly investigate, escalate further through XXXX XXXX if needed, and protect me as a consumer as originally promised by their fraud protections. 

I am attaching supporting documentation including : Proof of pre-incident call to Chase Fraud Proof of merchant acknowledgment the charges were temporary & were meant to be reversed Wire payment confirmation and merchants acceptance Dispute denial communications Transaction details and dates Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I made a purchase at XXXX. Store located here in XXXXXXXX XXXX XXXX XXXXXXXX was XXXX am. The amount was {$200.00}. 

XXXX received my online order of {$64.00} to my home. 
Went to the the store and returned some of the bought items. 
Authorization number : XXXX. Ticket XXXX. The amount of {$45.00}. 

XXXX items back to the store. 
Ticket : XXXX Ticket : XXXX The amount of {$200.00} I have put in a dispute on XX/XX/year> with XXXX from XXXX who help me. She asked if I could provide the receipts to them ( Commenity Bank ) showing that the items have been returned. Address she provided me with is XXXX XXXX XXXX XXXX XXXX XXXX 
Which i mailed out. 
I have started receiving messages again about my bill. I did not hear back about the dispute being resolved or what the outcome was. On XX/XX/year>, I had to contact Commenity Bank and spoke with XXXX who had to redo a dispute. I have done my part by contacting Commenity Bank and provided proof of the purchase being returned. I would appreciate this issue being resolved. I do not have any of the items. I appreciate this to be clear and off my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I had a credit card with Synchrony Bank, my first payment of {$150.00} was withdrawn on XXXX. I had not seen a withdrawal for XXXX and had not received a card in the mail so I contacted them on XXXX. I was advised the issue was that a single number was incorrect for my auto pay so they resolved it and on XXXX I had another withdrawal for {$150.00} as expected. I also was told they would send me a new credit card which I did receive. So it did indeed appear resolved. I then received a letter advising me that my account was being closed dated XXXX. I called them again twice on XXXX to discuss this and they advised me that they no longer owned the account so they could not even discuss it with me or accept a payment but that I owed {$1700.00} which would make sense if I was current since the credit used was for {$2000.00}. I was first told they attempted to contact me by phone but then a second person told me they don't call customers at all. I asked to get the information for the collection agency but the agent refused to provide it to me. I asked to speak to a supervisor to get that information and again the agent refused to do so. I now have no way to file a formal dispute since my account was current and closed 6 days after it became current. The lack of communication is preventing me from following the process I should follow to dispute this. I can see the payments from my bank account to show that my payments were made.

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 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Fell back on mortgage due to divorce. I was granted home in divorce final. I have over 90 percent of in arrears mortgage payments to pay and can make an additional payments to catch up and Fay Servicing denied both my loss mitigation in XXXX and XXXX, but in the meantime has asked me for my financial and lease agreement from my son and still denied me. Then they said to reinstate my loan I have to pay them over XXXX XXXX dollars by XX/XX/XXXX, when in XXXX, they wanted only XXXX to reinstate mortgage. I would of just gave them the XXXX, but they were asking me for more info like the lease agreement and updated pay stubs to only deny me and now say I owe over XXXX. This type of business needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I disputed a charge for {$16.00} merchandise returned to Amazon. Amazon support confirmed in writing ( chat screenshots ) that the return was successful and that the charge/refund issue was an error ( and told me to ignore Amazons automated email claiming it was not returned ). Synchrony declined the dispute despite documentation. I provided : ( XXXX ) XXXX chat screenshots confirming the return/error, and ( 2 ) UPS return receipt, and ( 3 ) photo of item on XXXX  counter as I was returning it. I am requesting that Synchrony : 1. Correct the billing error by posting the credit/reversing the charge, 2. Remove any interest/fees caused by this billing error, and 3. Confirm the account is not ( and will not be ) reported negatively for the disputed amount while it is being investigated.

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 2025-12-30 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: PNC Bank N.A.
State: NJ

Complaint narrative:
From XXXX XXXX till XXXX XXXX, XXXX took {$60.00} from my Checking account, Every month. When I finally realized in XXXX, they cut the transactions off and I received XXXX out of the XXXX transactions back to my account, XXXX then informed me that they have to do the rest in a Check because it was over there XXXX  day policy. I said that is fine, when another month passed and I didnt receive the check I called them again. They said they had no idea what I was talking about and that my case was closed. I put in multiple complaints after that and nothing has changed. After investigating I come to learn they have done this before and have been for many years. That is why I am escalated the {$200.00} they owe me, they can not keep getting away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Express Paycheck LLC
State: TX

Complaint narrative:
I received a Notice of Intent to Assign Wages from Express Paycheck LLC threatening to take my wages. 

I live and work in Texas, where wage assignments and garnishment for consumer debts are prohibited. This notice is not a court order and appears to be an unlawful collection tactic intended to intimidate me. 

I dispute the debt and have demanded validation. I am concerned they XXXX attempt to contact my employer illegally.

Company response to consumer: Closed with explanation