vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, XXXX. and/or its representatives regarding continued debt collection communications after I instructed them to stop contacting me. On XX/XX/year>, I received a collection email regarding an alleged debt with a balance of {$280.00}. After receiving collection communications, I responded and instructed the company to stop contacting me. Despite my request, on XX/XX/year>, I received another collection email from XXXX XXXX, Legal Assistant at XXXX XXXX XXXX, XXXX. The email stated that my account had been assigned to their law office, that it would continue to escalate within their legal department, and that they were willing to settle the alleged debt for up to 50 % of the balance. I believe the company ignored my written request to cease communications and continued collection efforts. I consider these repeated communications to be unwanted and harassing. I am requesting that the company : Immediately cease all collection communications with me. Confirm in writing that my cease communication request has been honored. Provide documentation showing the legal basis for any continued collection activity after my request to stop communications. Review whether its collection practices comply with applicable federal debt collection laws. I have retained copies of the communications and can provide them upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am writing to formally escalate a critical and time-sensitive issue with my SoFi Invest account that has left {$20000.00} of my funds in limbo - debited from my XXXX XXXX XXXXXXXX checking account but not yet credited to my SoFi Invest account- now entering Day 3 with no resolution in sight. ACCOUNT DETAILS Name : XXXX XXXX XXXX SoFi Account Email : XXXX Phone : XXXX Transfer Amount : {$20000.00} Initiated : First attempt - Saturday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TIMELINE OF EVENTS Weekend of XX/XX/XXXX : Initial transfer failed due to a XXXXSoFiXXXX XXXX XXXX integration error . Called customer support, waited over XXXX hour to reach a live agent. Agent manually removed and re-added the XXXXlinked XXXX account from the backend. Transfer was re-initiated. XX/XX/XXXX ( today - Day XXXX ) : {$20000.00} has been fully debited from my XXXX XXXX XXXXXXXX checking account but has NOT appeared in my SoFi Invest account. Called SoFi support again today. Agent informed me funds will not be available until Monday, XX/XX/year>. WHY THIS IS UNACCEPTABLE The funds are currently nowhere not in my BofA account, not in my SoFi Invest account. I can not cancel the transfer, I can not redirect it to another brokerage, and I have zero visibility into where my {$20000.00} is right now. This situation is causing direct and measurable financial harm. The XXXX XXXX XXXX XXXX XXXX XXXX ) debuts on XXXX tomorrow, XX/XX/year>, at an IPO price of $ XXXX. I intended to use these funds to participate in this once-in-a-generation IPO through SoFi 's retail IPO Access program, a feature SoFi actively promoted to its members. Due to this transfer failure and the unacceptable resolution timeline, I will miss this opportunity entirely. In 2026, where real-time payments ( XXXX ), XXXX, and instant ACH infrastructure exist, a 5-business-day hold on an already-debited transfer is not a technical limitation, it is a process failure. I have been a patient and cooperative customer throughout this process. I have spent hours on hold, followed every instruction your agents provided, and waited in good faith. I am now asking your leadership team to intervene directly and resolve this today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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

Complaint narrative:
PayPal blocked my account without explanation. I didn't violate any rules. The account contained funds that I needed to live. The account is XXXX XXXX XXXX. Verified. No disputes. The withheld amount is {$1900.00}. my PayPal account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
I resided at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX PA XXXX from XX/XX/XXXX until XX/XX/XXXX. XXXX XXXX XXXX was the mandatory utility provider assigned by XXXX XXXX. I had no choice in selecting this provider. Upon vacating in XX/XX/XXXX XXXX XXXX never instructed me to close the account, never provided a final bill, and never confirmed account closure. XXXX months after my move-out Aargon Agency opened a collection account on XX/XX/XXXX for {$820.00} in charges I never received billing for and can not verify. I have no knowledge of what period these charges cover or whether they were generated after my vacancy. This is directly connected to a separate CFPB complaint I filed against XXXX XXXX XXXX regarding {$11000.00} in fraudulent post-vacancy charges fabricated by the same landlord XXXX XXXX. Property manager XXXX XXXX emailed me on XX/XX/XXXX requesting return of apartment keys XXXX months after I had already returned them and vacated, proving XXXX XXXX was aware of my vacancy and continued generating fraudulent charges across multiple accounts against my name. Aargon Agency has not provided any verification that these charges were generated during my actual period of occupancy and is reporting this unverified debt to XXXX in violation of the FDCPA and FCRA.

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 2026-06-11 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: TX

Complaint narrative:
This incident happened on XX/XX/26. The person called from Bank of America and told me that there is a transaction with my card, which I didn't approve or know about it. But he will help me with that. In order to do that I have to give permission by " yes '' on message. He also told me that my card will be cancelled and login will be locked. After 24 hrs I can reset the login. I never received any alert messages and I couldn't login to see anything. Next day Bank of America called and saying that fraud/ scam happened with my card. I took a XXXX ( I do n't drive now ) to the branch and explained what happened. They told me to call fraud department and file the case and they will help/ take care of it. So I did that. Then I filed police case and complaint with CFPB in XXXX after I found out about it. Last 6 months I have been under tremendous stress, increased my XXXX XXXX by my doctor, unable to sleep. because of this. I am an older retired person living alone frugally with SS income which barely meets my needs. I am unable to pay this large cheated amount. I have been refiling case with Bank of America fraud department since that time. It seems useless with all the effort other than increasing my stress. I have been a preferred customer with Bank of America for XXXX. I don't know what else to do or who can help me. Hope you can help me. To me cheaters are flourishing and straight forward godly people like me are victimized and suffering. The credit card was XXXX and they switched to ending with XXXX, which I never received. Both cards are cancelled now.

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 2026-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
I call Village Capital and ask them why was my escrow was high and they told me that my taxes went up and when I call my tax office they told me that they haven't went up and the 2026 taxes hasn't been sent out yet. So when I call Village Capital back and told them that my taxes haven't went up and explain to me how my escrow get to be XXXX the only thing they could tell me is my taxes and Insurance went up. My insurance went up by {$500.00} and I call my insurance company and got everything straight with them and they sent them the new paperwork with a lower price on it and sent me a check for the difference and I paid it to them. Village Capital still can't tell me how my escrow is still XXXX. When I was on the phone with Village Capital I told them also that I had got a cancelation notification for my house insurance for none payments. The lady from Village Capital told me that I had a XXXX on my house so I went down to the tax office to ask them about that and the lady at the tax office said that I don't have a XXXX on my house but my taxes are being paid late. Village Capital have me paying them more money cause they are paying things late but I'm making my mortgage payment on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank has frozen 100 % of my funds due to a denied wire transaction. I am currently traveling away from my home state and can not physically enter a branch. U.S. Bank is refusing to verify my identity over the phone or provide a pathway to release my funds, causing severe financial distress while stranded away from home.

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 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: CA

Complaint narrative:
Subject : Follow-Up Complaint Principal Balance Comparison at Date of Correction CRI has acknowledged that my loans were placed into the incorrect Graduated Repayment Plan tier upon transfer in XX/XX/XXXX and remained under the incorrect tier until the issue was corrected in XX/XX/XXXX. To resolve my concern, I am requesting XXXX specific account values : XXXX. The actual combined principal balance of my loans on the date the repayment-plan error was corrected in XX/XX/XXXX. XXXX. The combined principal balance that would have existed on that same date had the correct Graduated Repayment Plan tier been applied upon transfer in XX/XX/XXXX. I am not requesting an explanation of how interest accrues, a payment history, or a description of the Graduated Repayment Plan. I am requesting these XXXX specific balance figures so that I can understand the financial effect, if any, of the acknowledged repayment-tier error. Please provide the requested values in writing. Note : Most recent response from CRI is attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I inquired and made a Purchase at XXXX for XXXX XXXX. They violated state laws I never spoke to the doctor, instead i recieved a precorded message stating his name and that he was licensed in my state, The medication was supposed to be XXXX they shipped XXXX XXXX The medication arrived XXXX it is supposed to follow cold chain logistics when i complained about it they said it was safe at degrees up to XXXX degrees the temperature water boils at. I asked for replacement of the compromised medication they wanted to charge me an extra {$150.00} dollars for that as a ONE TIME COUTSEY I said no. This was their issue not mine. I asked for a refund they said no. I disputed at Citi Bank and the merchant lied to them and said I purchased TICKETS when the dispute department stated that, I challenged that. They still said they sided with the merchant. I purchased XXXX : XXXX is a once-weekly injectable prescription medication used to treat XXXX XXXX XXXX and XXXX XXXX XXXX It functions by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I was checking my credit report and noticed some personal info that really doesnt belong to me. Things like old addresses and employer listings are showing up that Ive never used or worked for. Im kinda worried about it because this kind of incorrect info could mess with my credit standing or cause more issues later on. Ive already sent in my valid ID and other documents to confirm whats actually mine, byt these wrong details are still there.

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 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I was checking my credit report and noticed some personal info that really doesnt belong to me. Things like old addresses and employer listings are showing up that Ive never used or worked for. Im kinda worried about it because this kind of incorrect info could mess with my credit standing or cause more issues later on. Ive already sent in my valid ID and other documents to confirm whats actually mine, byt these wrong details are still there.

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 non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I was checking my credit report and noticed some personal info that really doesnt belong to me. Things like old addresses and employer listings are showing up that Ive never used or worked for. Im kinda worried about it because this kind of incorrect info could mess with my credit standing or cause more issues later on. Ive already sent in my valid ID and other documents to confirm whats actually mine, byt these wrong details are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During that episode of care, a XXXX XXXX was ordered by the treating physician. I maintained employer-sponsored health insurance coverage through XXXX XXXX XXXX XXXX XXXX XXXX More than a year after the date of service, I received a bill and later collection notices regarding the XXXX XXXX. I called XXXX on XX/XX/XXXX who told me I would need to contact the hospital directly. I contacted the hospital and was informed that the insurance claim had been denied because required preauthorization had not been obtained. Over the following eight months, I made repeated attempts to resolve the matter through the hospitals Patient Advocate Office. Despite numerous follow-up communications, I received no meaningful response. I submitted written disputes and requests for validation to the collection agency. I have received no response. I subsequently contacted XXXX XXXX XXXX XXXX XXXX directly and learned that : The claim date of service was XX/XX/XXXX. The claim was not submitted to XXXX until XX/XX/XXXX. The claim was denied because preauthorization had not been obtained. No appeal was ever filed. No preauthorization request was ever submitted. XXXX advised that the provider may still contact Utilization Management regarding post-authorization. I attempted to escalate the matter to the hospitals Compliance Department using the email address listed on the hospitals website, but the email was rejected. I also sent certified correspondence, which was returned by the Postal Service as undeliverable. I dispute this debt and request that collection activity cease until the debt has been properly validated and the underlying insurance and authorization issues are investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX'Formal Complaint Mortgage Payment DisputeXXXXTo Whom It May ConcernXXXXI am filing this complaint regarding a mortgage servicing error involving a XXXX mortgage payment that Fifth Third Bank claims was reversed to my XXXX XXXX checking account, despite no such return appearing in my bank recordsXXXXBackgroundXXXX XXXX XXXX XXXX, I initiated my monthly mortgage payment of XXXX. Due to an error on my part, that payment was returned to my checking account the following day. Upon noticing the issue immediately, I corrected the account balance and submitted a second mortgage payment through Fifth Third\'s websiteXXXXThat second payment was debited from my XXXX XXXX checking account on XXXX XXXX XXXX. Unlike the first payment, no corresponding return or reversal of those funds ever appeared in my checking account.XXXXFifth Third\'s own payment history showsXXXXPayment of XXXX applied on XXXX XXXX XXXXA reversal of XXXX XXXX XXXX XXXX XXXXAnother reversal of XXXX XXXX XXXX XXXX XXXXHowever, my XXXX XXXX records only show one returned paymentthe original mistaken transaction. There is no record of a second return oXXXX XXXX corresponding to the payment debited on XXXX XXXX The attached account records reflect this and show the first returned payment and the subsequent successful debit from my checking account.\XXXXAttempts to Resolve\XXXX XXXX XXXX XXXX I repeatedly contacted Fifth Third seeking an explanation and supporting documentation. I was advised weekly that significant delays existed due to problems associated with the rollout of the bank\'s new mortgage servicing website and that the issue was related to their failed rollout and under reviewXXXXAfter weeks of waiting, I was informed that Fifth Third\'s decision was "final" and that nothing further could be done. Despite multiple requests, I was not providedXXXXACH trace information;\nDocumentation showing where the alleged returned funds were depositedXXXXCopies of records supporting the claimed reversal;\nEscalation to a supervisor or someone with authority to investigate the discrepancyXXXXBasis of My Dispute\n\nI dispute the accuracy of Fifth Third\'s servicing records.\n\nIf the XXXX XXXX payment was truly reversed, Fifth Third should be able to identify:\n\nThe ACH trace number for the returned transaction;\nThe date and destination account to which the funds were returned;\nDocumentation proving receipt of those funds by XXXX XXXX and\nWhy no such deposit appears anywhere in my checking account records.\n\nAbsent such documentation, I believe Fifth Third has either failed to properly apply the payment or has incorrectly recorded a reversal that cannot be substantiated.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation