vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I obtained a loan through XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The payment was around XXXX a month. They sold the loan to another bank. That bank then sold it again to XXXX XXXX XXXX. XXXX XXXX XXXX I have an autopay and they are starting to take an extra {$410.00} a month. I provided them with my XXXX insurance as they said they were going to force insurance. They accepted my insurance and said that was not the increase of the {$410.00}. They claim XXXX XXXX sold the loan with a XXXX escrow balance. I have no impounds and pay the taxes and insurance on my own. XXXX confirmed that was the case and there was nothing owed. I have called Select Profolio over 5 times and they have been taking an extra XXXX a month out of my account and I can not get them to stop. The loan is under XXXX XXXX XXXX XXXX, I am one of the XXXX XXXX XXXX XXXX that holds the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was purchased and refianced as non ownwer duplex ( rental property ) that I own with partners under the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I have been making a student loan payment of XXXX for the last few years on an auto pay schedule of the XXXX of each month. In XXXX for an unknown reason the auto pay was not taken. I was notified that I was late on my payment and needed to pay XXXX, which I did because I did not want to be late. I called Mohela and was assured my XXXX payment would be taken out in the amount of XXXX on the XXXX. On the XXXX a different amount was taken out in the amount of XXXX and only applied to 1 loan instead of being allocated to all my loans as it has ALWAYS been. So again they neglected to use the funds appropriately and now are saying I am behind another XXXX and calling my account delinquent. I never changed my auto pay, I never changed my allocation of payment and each month it is a different amount. When I call Mohela they can not tell me a straight answer and told me they would fix it with in 10 business days. It has been 30 days and it still is not fixed and now being told it will be 90 days??? However they still want me to pay the XXXX " I am behind '' I am not behind, they miss used my funds and now are trying to get a second payment out of me. If I make a payment they can update the account immediately, but can not fix their mistake for 90 days. They hang up on me, do not return calls and tell me to wait but yet continue to try to collect extra money from me and now threaten to report it to my credit. My auto pay is still set up and now they are going to take out a whole different amount. I am not sure why they do not follow what I have set up and allocate the way it has always been. Why can I not get an answer. Why should I pay more when they took out the billed amount. I have called 5 times since XXXX to resolved this issue and have gotten no where. This puts my future forgiveness at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
This account included fraud and that's why it want paid..... I have filed a complaint against XXXXXXXX XXXX XXXX I will be filing an Maine Attorney General complaint against this collection agency.... I will also be including them in my federal lawsuit with XXXXXXXX XXXX My bank account was compromised and fraudulent activity took placeXXXX XXXXXXXX Did nothing about itXXXX I called into XXXX XXXX to report the unauthorization of an transaction.I was told I need to wait until it posted.This happened the XXXX week of XXXX XXXX was arrested for 55 days and I wasn't released until XX/XX/XXXXXXXX XXXX So I was unable to call back in.Dur to me turning myself into the police department..... I have reported this matter to XXXX XXXX I believe someone got ahold of my bank card and made charges.... I encourage all parties involved to request and check all telephone calls made about this account and check notes if they are still available..... I will be filing an FTC complaint.I will be also filing a federal lawsuit.... If this matter is serious looked at and investigated.... I want this removed from ally credit reports my XXXX XXXX report and or XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Dear Caine & Weiner I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: OH

Complaint narrative:
I am filing a complaint regarding what appears to be a deceptive and potentially fraudulent attempt to collect a debt using intimidation and misrepresentation. On or about [ insert date you received the voicemail ], I received a voicemail from a caller identifying themselves as XXXX XXXX XXXX. The caller stated they were attempting to deliver legal documents and instructed me to call XXXX with a case number. The call appeared to originate from XXXX. The voicemail implied that legal action or service of process was imminent. However : The caller did not identify a legitimate company, creditor, or law firm. No written notice of a debt has been provided. The message appeared designed to intimidate me into returning the call under threat of legal action. The company name XXXX XXXX XXXX does not appear to correspond to any legitimate or verifiable business. This communication appears to be a misrepresentation that the caller is involved in legal service of process, which is commonly used by debt collectors to pressure consumers. If this call is related to a debt collection attempt, it may violate the Fair Debt Collection Practices Act, including but not limited to : Misrepresenting that the caller is associated with a legal process or court action. Using deceptive practices to coerce a consumer into responding. Failing to provide the required written validation notice identifying the alleged creditor. I request that the CFPB investigate this entity and determine whether they are engaging in unlawful debt collection practices or impersonating legal process servers to intimidate consumers. I also request that this company cease contacting me immediately unless they provide proper written validation of any alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year> I received 2 text messages from what I thought to be " Chime Bank ''. I found out later that this was a scammer and they stole over {$7000.00} from my checking and savings accounts with Chime. The first text message was asking if I authorized a set of transactions XXXX being {$4000.00}, XXXX being {$3000.00}. I responded no to the text message. The second text message stated that a representative from Chime will be contacted me momentarily. The call came in from Chime bank phone number. The lady stated that she was XXXX XXXX with Chime Bank. She was professional and seemed to already have access to my account noting that she could see I had a future direct deposit, the amount and the date. She did not ask for any personal information besides my name. She started to " dispute '' the unauthorized transactions with me one by one. I told her I did not authorize those transactions and I did not recognize the names the money was being sent to. She stated that she would have my account locked, dispute the transactions and mail me a new debit card. I thought the issue was being resolved so I didn't think much of it. About 5 days went by and I went to pay a bill and noticed that {$7100.00} had been stolen from my account. I also found out that the scammer posing as Chime Bank had opened a payday loan in my name and they had taken an additional {$300.00} from my account to pay the loan back. I had never heard of the payday loan company before. I contacted Chime Bank immediately and put in a dispute. I uploaded the screenshots of the text messages and explained the whole situation to them. The bank has now closed my dispute and is refusing to help me with any of this. Can someone please help me with this?! These scammers have stolen all of my savings, I am XXXX XXXX XXXX, I am XXXX and very sick and now I have nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
I am submitting a complaint against IQ Data XXXX XXXX XXXX regarding its furnishing and collection reporting of a rental-related collection tradeline for {$16000.00}, listed as IQ Data XXXX XXXX XXXX XXXX XXXX at XXXX FL , with a reported Date of First Delinquency ( DOFD ) of XX/XX/XXXX. I sent IQ Data a detailed written dispute and documentation request by certified mail, and USPS shows it was delivered on XX/XX/XXXX. My dispute challenged the accuracy and completeness of the amount being reported, the basis for the reported DOFD, the classification of charges included in the balance, and IQ Datas authority to collect and furnish this information, and it requested a complete itemized accounting and supporting records. As of XX/XX/XXXX, IQ Data has provided no written response, no investigation results, no validation materials, no itemized ledger/accounting, and no notice that the dispute was incomplete, frivolous, or irrelevant. Despite receiving the dispute, the tradeline continues to appear on consumer reports as a fixed balance, creating ongoing credit harm. The underlying amount is actively contested and has not been determined by any court. I am requesting that IQ Data ( 1 ) provide a complete itemized accounting and the documents supporting the reported balance and DOFD, ( 2 ) confirm that any furnishing to consumer reporting agencies includes a clear disputed notation, and ( 3 ) delete or correct any information that can not be verified as accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC
State: PA

Complaint narrative:
I have been unemployed and looking for work since last XXXX ( XXXX ). Prior to that I was struggling financially and requested hardship and settlement information from the company. They denied to offer me any settlement or hardship assistance at that time and told me my account needed to be charged off. I called again today, informing them of my hardship and asked for a one time settlement to close the account. They refused my offer and said they would not lower my settlement offer despite having already paid back the full amount borrowed. The company has predatory interest rates that take advantage of people in hardship, and then tell them their account needs to be charged off before they'll even offer any settlements. I borrowed {$1200.00} I have already paid back the full {$1200.00}. The settlement is all interest, which has left my balance remaining at {$890.00}. The APR is predatory at nearly 25 %. I offered {$250.00} ( their lowest offer at {$330.00} ) in which they declined and threatened with their legal team after I informed them Id be filing this complaint with the CFPB. I dont have any other documentation besides my screenshots as they neglected to send them to me per my request. I have also not been provided with my loan number as of this complaint. They have purposeful misleading interest rates, that are not listed in my web portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: WA

Complaint narrative:
Sunday XX/XX/year> I got no text alerts and randomly went to site to check my account to find a charge pending from XXXX which I had already had a dispute with I believe. Wrote through Brinks site a message to tell them it should not go thru and how to do a stop payment or what to do. They did not get back to me right away and put the charge though anyway. Tried to put through a dispute for it sense they did not get back to me then as usual their site kept timeout on me even though I was using it for the dispute process. Not sure it went through I did it again and then again yesterday XXXX. Made a charge on XXXX site then got a text alert to phone out of the blue saying my card had been reported stolen and was now blocked. You have no idea how much stress, upset and hardship this has caused me and Brink has done this to me before forcing me to have no money for over XXXX days while I had to wait for a new card to be sent and then changed all accounts that had record of the old card. Please CFPB tell me what specific govt. branch handles these sort of poor actions by a financial institution if reporting to you will not bring about new laws to protect consumers from these actions that harm peoples lives. I even called their number and it was useless and not one of the menu options applied nor was I able to speak with anyone. So many things are wrong with the issues I encounter with Brinks Netspend that need to be changed to protect people from these foul and willful actions against me Brinks has taken that were meant to harm not help or solve the situation at all but create more problems and consume my time and energy instead. Its inexcusable to say the least, they knew what they we doing and knew I would be powerless fighting against them. I truly believe they thought it was funny. The harm it has cause and is still causing my life is unforgivable.

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 2026-03-05 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: IN

Complaint narrative:
My PayPal account ( US-based ) was permanently limited over 5 years ago. According to PayPals User Agreement, funds are typically held for a maximum of 180 days to cover potential chargebacks or disputes. It has been more than 6 years since the limitation was placed, and I have had no active disputes or claims against my account for years. Despite this, PayPal continues to withhold my balance of approximately {$56000.00} USD without any legal or contractual justification. I have attempted to contact customer support multiple times, but I have not received a resolution or a way to withdraw my funds. I am requesting that PayPal releases the hold on my balance immediately so I can transfer my funds to a linked bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I am a victim of a sophisticated 'vishing ' and 'spoofing ' attack that resulted in an unauthorized {$8500.00} transfer. Bank of America has violated Regulation E by denying my claim. On XX/XX/XXXX, I was targeted by scammers spoofing Bank of Americas number. They gained access to my mobile banking ( Account XXXX ). Shortly after on the same day, a legitimate BoA representative from ( XXXX ) XXXX called me to confirm I was a victim of fraud. BoA 's denial letter states the money went to 'an account in my name. ' I did not open this account ; it was created/linked by the fraudster during the account takeover. Most importantly, Bank of America has already REFUNDED the {$340.00} transfer fee associated with this theft. By refunding the fee, the bank has admitted the transaction was fraudulent. It is a violation of the Electronic Fund Transfer Act to acknowledge the fraud for the fee but refuse to return the {$8500.00} principal stolen during the same event. I received no benefit from these funds and I did not initiate any transfers of this nature. I have also spoken with XXXX XXXX to see if I could locate the fraudulent account ( XXXX ) that is in my name where the {$8500.00} was transferred. The associate XXXX at XXXX XXXX could not locate ANY account with my name, social security number, or this bank account number. The scammers used XXXX XXXX account to transfer these funds and this is all the info I have about them : Account at XXXX : XXXX IP Address : XXXX XXXX Florida My banking was taken over using an XXXX computer and a XXXX XXXX XXXX NONE OF THESE ARE ASSOCIATED WITH ME, MY IP ADDRESSES, OR MY LOCATION. Im in UTAH, not Florida and my phone is on XXXX XXXX XXXX. Please help me rectify this fraudulent transaction.

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 2026-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This account doesnt belong to me. I have a XXXX party reaching out for collection. XXXX the account is sold to a XXXX party it doesnt belong to me. I need this off my credit asap. The company cant provide me a signed title or the payments to see where they was coming from. I need this XXXX XXXX removed. They can go pick up the car is located in New Mexico and it belongs to XXXX. So go get the car and do the investigation right. This car has been in XXXX other loans for over XXXX XXXX XXXX is using this vehicle for loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation