vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
Companies involved : Previous Landlord : XXXX XXXX XXXX XXXX XXXX XXXX Debt Collector : RentDebt Automated COL ( XXXX ) XXXX I do believe this debt was sent to collections in error. XXXX XXXX was a previous landlord and should have never submitted this debt to collection because it was already paid on XX/XX/XXXX, in their office with a written check, and the check cleared on XX/XX/XXXX. My information that I have on this debt collection shows XX/XX/XXXX as a date of collection opened, way past the actual payment was received. 

The Debt collector, after calling and speaking with them, were very helpful in getting information I asked for and providing me with a way to send them documentation I had to dispute this debt claim. They also informed me upon receiving the documents I submitted they will be in contact with XXXX XXXX to handle the matter. 

Vintage station has not responded to any email about this and have been dismissive when spoken to on the phone. They said " they were working on it with the debt collector '' but when I called the debt collector on XX/XX/XXXX they made it seem like that did not have any recent contact with XXXX XXXX regarding this being a mistaken account sent to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: IPAC'S Inc.
State: FL

Complaint narrative:
I XX/XX/year> at XXXX XXXX recieved first voicemail about a debt and that I was evasive and noncompliant. I called back and asked for proof and was told no. Only after making a payment arrangement would I get any written information. 

XXXX voicemail : XXXX XXXX, this urgent message is intended for. XXXX XXXX. If this is you, please press one now or hold for message. My name is XXXX XXXX with payment processing. The reason for my call today is to verify the address we have on file as we are preparing to file documentation in your case. Our department has made several attempts to get in contact with you via mail and also phone calls, both of which were unsuccessful. Our client has flagged you as evasive and non-compliant. In order to avoid further penalty, please contact us immediately at XXXX. Again, you can press one now to be transferred to a live agent or call us back at XXXX. Thank you and good luck. 

XXXX voicemail XXXX Just to let you know we don't need your permission and I'm gon na ahead and aff it out to the fullest extent the law will allow govern yourself accordingly

Company response to consumer: Untimely response
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I've been a customer of PNC for over XXXX  years. I moved from XXXX to XXXX. Since being at Florida I have opened a CD. I am XXXX  so the interest is important. I have been paying attention to when the CD is due to make sure there are no issues. The last 3 months CD which matured XX/XX/year> showed a interest of {$3.00} on XXXX. I was suppose to get 4.2 % interest not .03 %. The local bank made a mistake and the person is no longer there. 

I have been dealing with XXXX XXXX now and she is great. She explained what happened but explained it was out of her hands. She sent my complaint up to the Executive complaint department. A XXXX XXXX called on behalf of PNC. I've called her 4 times on different days and I get an old out of office voicemail message. The out of office voicemail states she will be back from extended absence on XX/XX/XXXX. We are now on XX/XX/XXXX. On one of my first messages left I explained she needed to update her extended message.

She has not made a serious attempt to resolve my issue. My wife suggest I close all my PNC accounts but I have many recurring payments and 40 year history. The manner in which we are being treated does not reflect a valued customers. I would like someone from the Executive Complaint Department to reach out to me. So far all I come across in incompetence. Again, it seems the local manager XXXX XXXX is the only person that cares. She has bubbled up my complaint repeatedly but nothing has been resolved. 

I even sent in the Certificate of Deposit form on time to ensure I would continue the CD. They claim it was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute several times with Experian and they refuse to have issues with removing the information. I have sent letters and disputed online and even called. the only thing they say is they can not remove it. Please please assist me.

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 2026-02-09 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:
XX/XX/XXXX a program ( XXXX XXXX ) was installed on my PC from an unknown source. XX/XX/XXXX a program ( XXXX XXXX ) was installed from an unknown source. These were XXXX  viruses. XX/XX/XXXX my XXXX account was hacked. My phone and address ( XXXX, PA ) were changed ( to XXXX, PA ). Unknown source purchased an XXXX using my account. Source tried to use my credit card information to purchase several items on XXXX but was denied. I contacted the Merchant ( XXXX XXXXy, XXXX OR " XXXX  '' to alert them this was fraud. Merchant said to take my issue to the XXXX ( XXXX ) since the transaction was already approved and processed thru PayPal. Phone was shipped via XXXX. I contacted XXXX to stop shipment. They told me I was not authorized to stop the shipment. Phone was delivered XX/XX/XXXX to XXXX, PA. I contacted my Bank ( XXXX Bank ). They froze my account. I contacted my credit cards and had them canceled. I alerted PayPal and XXXX numerous times. Paypal has since put a negative balance on my account until I pay them for the cost ( {$620.00} ) of the phone. My account is restricted. They are threatening to send me to a third party collection agency. I have appealed my case several time with evidence. All appeals have been denied. I went local police and filed a report. I went to FTC and filed a report. I took my PC to computer store and it was verified that the PC was hacked and viruses were installed. PC has since been cleaned and restored. My hours of phone calls to XXXX and PayPal have led nowhere. Both claim that I am not covered by their Buyer Protection Plan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: VT

Complaint narrative:
Ive asked on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX for this web form affidavit. I called on XX/XX/XXXX and they said they would email it to me and instead they emailed me saying we cant move forward till you fill out the web form affadavit. They keep pushing me around and Im over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I traded in my vehicle in XX/XX/year>. The dealership/new finance company was responsible for paying off my prior auto loan with Mercedes-Benz Financial Services but failed to remit the payoff timely.

As a result, Mercedes-Benz Financial reported the account as delinquent, causing a significant drop in my credit score. I was not in possession of the vehicle after the trade-in date and was not responsible for payments beyond that date.

I contacted the dealership multiple times and was promised resolution within 48 hours, but no action was taken.

I am requesting immediate correction of the inaccurate credit reporting and confirmation that the payoff has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: UT

Complaint narrative:
I am filing this complaint regarding a {$750.00} enrollment bonus for the U.S. Bank XXXX XXXX XXXX credit card. The promotion required {$6000.00} in net purchases within 180 days of account opening. 

My account open date was XX/XX/year> ( per my first statement ), making the 180-day deadline XX/XX/year>. On XX/XX/XXXX, XXXXtwo days before that deadlineI contacted U.S. Bank and was told by a representative that I needed to spend {$750.00} more and that I had until XX/XX/year> to qualify. I relied on that information and made purchases accordingly. 

When I later contacted U.S. Bank to confirm qualification, I was informed that the previous information was incorrect. I was given conflicting information about the deadline and told a supervisor would review the call. Months passed without follow-up. I recently contacted U.S. Bank again and was told I did not qualify, and another manual review was promised, but no resolution has been provided. 

I relied in good faith on specific guidance from U.S. Bank regarding the remaining spend and deadline. The banks conflicting and inaccurate information prevented me from receiving the bonus. 

U.S. Bank has access to recordings of the relevant calls and internal account notes, which should confirm the guidance I was provided.

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On or about XX/XX/year>, I was the victim of a fraud and scam involving a XXXX peer-to-peer payment made from my SoFi account. I was deceived into sending funds under false pretenses, believing the transaction was part of a legitimate purchase. No goods or services were ever provided.

As part of this scam, approximately {$2000.00} was sent via XXXX from my SoFi account to a recipient that was not clearly identifiable to me at the time of the transaction. I do not know the recipient and did not intend to send funds absent the fraud.

I promptly contacted SoFi to report the fraud and filed a dispute for this transaction. The dispute was denied, and I was informed that there was no appeal or reconsideration process available. I requested additional information regarding the investigation and any appeal options, but meaningful information was not provided.

I also filed a federal fraud report with the FBI Internet Crime Complaint Center ( IC3 ) on XX/XX/year> ( Submission ID : XXXX ). 
I am submitting this complaint because the XXXX fraud dispute was denied without a clear explanation, documentation, or opportunity for appeal. I am requesting that SoFi conduct a proper review of this fraudulent XXXX transaction and provide appropriate relief consistent with consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Advance Financial keep sending civil warrant service officer to my home for my son, XXXX XXXX. I have told advance financial XXXX years ago by way of the same service officer, advance financial reps and the law firm reps, again XXXX years ago that HE DOES NO LIVE AT MY HOME. Advance Financial can not legally harass me knowingly by continuing to use an incorrect address once they have been informed of the error of which I have done repeatedly by which is also against the FDCPA law. This is now considered harassment. If they continue sending warrant serving sheriffs to my home I will file a counter suit against them for just this,,, harassment .. Again My son DOES NOT live here at my home, my address they have on file at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC
State: FL

Complaint narrative:
b'To Whom It May Concern,\n\nI am writing to formally invoke my rights under the Servicemembers Civil Relief Act (SCRA), 50 U.S.C.  39014043, regarding an improper charge-off and credit reporting associated with my XXXX XXXX account.\n\nI entered into a gym membership agreement on or about XXXX XXXX XXXX. The following day, XXXX XXXX XXXX, I was activated for XXXX XXXX XXXX with the XXXX XXXX XXXX in response to XXXX XXXX operations. My military service materially affected my ability to use or benefit from this contract, and I was physically absent for the entire billing period.\n\nDespite submitting my military orders and disputing the charge multiple times, XXXX XXXX continued to re-post the transaction and ultimately closed my checking account and reported the balance as a charge-off to collections. I never utilized any gym services and made a good faith effort to resolve this matter while on XXXX XXXX\n\nUnder the SCRA, I was legally entitled to terminate this contract without penalty. The continued billing, account closure, and negative credit reporting constitute violations of federal law.\n\nI am formally requesting the following corrective actions:\n\t1.\tImmediate removal of all negative credit reporting related to this account from all credit bureaus.\n\t2.\tReversal of the charge-off and any associated fees.\n\t3.\tWritten confirmation that this matter has been resolved in compliance with the SCRA.\n\nPlease note that failure to correct this violation may result in formal complaints filed with the Consumer Financial Protection Bureau (CFPB) and the U.S. Department of Justice Civil Rights Division.\n\nThis letter serves as official notice of my SCRA rights and documentation of your institutions noncompliance.\n\nSincerely,XXXX XXXXLast 4 SSN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, I activated an American Express offer for XXXX on my account with XXXX XXXX Card. The terms of the offer stated that if I use the provided link, I would receive a statement credit of 10 % off for pre-paid hotels up to {$120.00}. 

On XX/XX/XXXX, I clicked the specific link provided in the offer terms, which redirected me to the merchant 's website. I immediately made a qualifying purchase of {$500.00} using this same card. The transaction posted to my account on XX/XX/XXXX. 

Despite fulfilling all terms of the offer ( activation, correct link usage, and meeting the spend requirement for pre-paid hotels ), the statement credit was never applied. 
I contacted American Express customer service on XX/XX/XXXX and XX/XX/XXXX through chat to resolve this. I provided details of the transaction and the offer. The representative and their management team refused to manually apply the credit, stating they could not verify the link usage, even though the purchase was made immediately after clicking their link. 

I am requesting that American Express honor the written terms of the offer and issue the {$50.00} statement credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I recently was part of a lawsuit that requires me to pay around {$1100.00} a month to the plaintiff. I contacted netcredit numerous times over the past few months to explain my situation and requesting next steps for financial hardship but they simply say " nothing we can do '' I have told them with the excessive statement fees and charges that I will not be able to keep up with the loan and that this will more than likely default unless we come to an agreement and still, they were not willing to help. They advertised themselves as a cheap option when times are tough but this may be the most exploited I have been by a creditor. I need financial assistance but they are willingly letting this go south for both of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
Good morning, At this time, I have XXXX qualifying PSLF months already credited, based on the following employers : City of XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In addition, the following employers have signed XXXX XXXX XXXX XXXX and are clearly qualifying public or federal employers ; however, they continue to remain in an under review since XX/XX/XXXX status with no resolution : XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) XXXX months XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) XXXX months Social Security XXXX ( XX/XX/XXXX present ) current federal employer, signed and active. 
I have made every good-faith effort to comply with all requirements, and followed established procedures. There is no way that the employers under review have been added to the total count because I would have XXXX qualifying payment statements, I only have XXXX qualifying statements totaling 88 months. They are all signed, the employers have verified my service and they should be added to my total count. I have contacted them on a weekly basis regarding this and reached out to Constituent Liaison on XX/XX/XXXX and they have not received a response from MOHELA or XXXX XXXX XXXX. I am respectfully requesting assistance to help ensure these already-signed certifications are reviewed and finalized. 

Respectfully, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My complaint involves XXXX separate matters. 

First, my company has a commercial loan serviced by Shellpoint XXXX XXXX loan is secured by a deed of trust against XXXX properties. The loan documents provide that any XXXX or any subset of the XXXX properties may be released from the deed of trust upon payment of a partial release price. I am currently under contract to sell XXXX of the XXXX properties ( XXXX XXXX XXXX XXXX, XXXX, NC XXXX ). On XX/XX/year>, I emailed XXXX to request a partial release payoff statement as instructed by the company. XXXX days have passed and the company has not provided the partial release payoff statement. On XX/XX/year>, I called the customer service department. The representative was unable to provide any update on my request. She stated that I should send a follow-up email to request a status update. I did that, however, I did not receive any response. I need the requested partial release payoff statement immediately in order to close the sale of my property. 

This is the third time I have encountered this same problem with Shellpoint Mortgage Servicing. I previously sold XXXX of the XXXX properties secured by the Deed of Trust. I was unable to get the partial release payoff statements for each of the other XXXX until I filed a complaint with the Consumer Finance Protection Bureau. Accordingly, I am doing the same go get this third partial release payoff statement. 

The second issue is that Shellpoint has failed to release the lien on either of the XXXX other properties that were sold. State law requires released to be filed within 30 days after payment. XXXX sale was completed over XXXX months ago, yet no release has been filed. The second one is still within XXXX days, however, I have no confidence that Shellpoint will file the release as required unless a file a government agency complaint about it. 

I have attached my correspondence about these matters. Note that initial message on XX/XX/year> requesting the partial release on XXXXXXXX XXXX XXXX XXXX was in response to a previous message from Shellpoint regarding XXXX XXXX XXXX, which is why there was a time gap. I had previously responded to the same message and with the requested information about XXXX XXXX XXXX and was then adding my new request regarding 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 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent information being reported on my credit file by the credit reporting agencies. 

On XX/XX/year>, I mailed formal identity-theft dispute letters to the credit bureaus and multiple creditors regarding accounts opened using my personal information without my authorization. XXXX XXXX has acknowledged receiving my dispute, and more than 30 days have now passed since the disputes were submitted. 

Despite the required investigation period under the Fair Credit Reporting Act ( FCRA ), the credit bureaus continue to report fraudulent accounts without providing verification documentation. 

I also filed an Identity Theft Report with the Federal Trade Commission. 

FTC Identity Theft Report Number : XXXX The following accounts remain on my credit report despite being disputed : XXXX XXXX ( account ending in XXXX ) XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  Additionally, multiple inaccurate and outdated addresses remain on my credit profile that are associated with fraudulent activity. Some of these addresses date back to when I was a minor and are not valid addresses connected to my adult credit history. 

I am requesting the following actions immediately : 1. Removal of all fraudulent accounts listed above 2. Removal of inaccurate addresses associated with fraud 3. Written confirmation that these items have been deleted 4. An explanation of how these accounts were verified without documentation The continued reporting of unverified fraudulent accounts is causing ongoing financial harm. 

I am requesting CFPB assistance to ensure compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief