vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I am seeking assistance regarding a debt that I believe has been inaccurately reported and inflated, which is currently preventing me from securing permanent, safe housing for my children and myself. Discrepancy in Reporting In XX/XX/XXXX, Rent Recovery Solutions purchased a debt from my former landlord, XXXX XXXX XXXX XXXX, and reported a balance of {$4700.00} on my credit report. However, the original creditor ( XXXXXXXX XXXX XXXXXXXX XXXX ) continues to report a conflicting balance of {$5800.00}. Notably, the original creditor added approximately {$1100.00} in new charges on XX/XX/XXXX, XXXXmore than a year after I vacated the property and after the debt had already been sold. Because they sold the debt, they should no longer be reporting an active balance. Attempts to Resolve & Legal Non-Compliance I have made multiple good-faith efforts to clarify these discrepancies : XX/XX/XXXX : Initial contact with XXXX XXXX XXXX XXXX requesting documentation. XX/XX/XXXX : Received documentation that failed to explain the balance difference or why charges were added so late. Because no clarification was provided, I have no way to verify if this information is valid. Furthermore, I never received an itemized balance or invoice within the timeframe required by North Carolina law. Under N.C. Gen. Stat. 42-52, landlords are required to provide an itemized accounting of any damages or charges within 30 days ( and no later than 60 days ) of the tenant vacating. XX/XX/XXXX & XX/XX/XXXX : Follow-up emails sent requesting specific clarification ; both have gone unanswered. Collection Agency Dispute : I filed a dispute with Rent Recovery Solutions, but they marked the debt as " verified '' despite the lack of documentation regarding the balance difference and who truly owns the debt. Impact on Housing This reporting error is causing significant harm. When I apply for housing, the original debt from XXXX XXXX XXXX XXXX triggers immediate denials, while the entry from Rent Recovery Solutions damages my credit score and credibility as a tenant. I am unable to settle this matter because I am unsure of the true numbers and who actually has legal authority over the debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/year> PayPal issued a payment to XXXX for XXXX it was unauthorized they sent me an email the same day saying my account was temporary locked and that I needed to log in to unlock it this transaction was made with pay later which is some type of loan that I did not apply for I have continuously appealed and on the phone transferred transferred again appeal again multiple phone calls I have continued to be persistent and they say that they deny my claim because it's consistent with my usage history and from my IP address.I have not used this account in over a year I never spent {$2000.00} and I would never borrow that money from PayPal for any service I have no idea what XXXX produces and I don't know how they opened an account under my name. when I contacted XXXX they said that there was a chargeback and they didn't have the funds to return sounds like they didn't ever receive them and PayPal is not being very helpful so I'm filing this complaint I did not get any notifications about a loan being taken out my name and I did not fill out the application I didn't agree to any of this and I have reported it being fraud and I feel like XXXX is a complete scam as well and they are not helpful. XXXX said there was an intangible service provided called a gig which I did not authorize or receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: MN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, there have been two authorized transactions from XXXX XXXX on my Chime checking account. The charges were for {$33.00}. The first charge was from my card ending in XXXX and the second charge was on a card ending in XXXX. These are two different card numbers, indicating my card information was compromised twice. Upon discovering these charges, I filed disputes with chime for both and contacted XXXX XXXX in hopes of finding out if someone had my card information. They were unable to provide this information to me for security reason since I do not have an account with them. I gave Chime as much information as I could and received a denial on both disputes without explanation or reasoning on their decision. I believe this violates the Electronic Fund Transfer Act. Chime issued a temporary provisional credit of {$33.00} while they were still investigating the first dispute and reserved labeled as XXXX XXXX ', causing further confusion. I do not have XXXX XXXX account. I had been an XXXX XXXX XXXX customer for over two years and recently switched to XXXX in the last week. Chime has failed to adequately investigate these unauthorized transactions, failed to provide explanation for their denial, and my card information has been compromised on two separate occasions with no resolution offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> Wells Fargo XXXX monies, to be transferred from my accounts into XXXX account and then wired out to a unknown bank and account. nothing like this had ever been done before no call of approval was given. I noticed the strange actions and notified the bank and they said they could stop the Wire transfer but never did, When i filed a fraud report they said to bad, nothing they could do. they allowed this to happen. XXXX XXXX was transferred out of my accounts.

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 2026-05-13 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: EdFinancial Services
State: TX

Complaint narrative:
In XXXX, a {$1000.00} check was sent to Edfinancial on my behalf from XXXX XXXX to be credited to my account. XXXX shows that the check was cashed by Edfinancial on XX/XX/XXXX, however, that payment was not added to my account. I paid off my loan balance, meaning I overpaid by {$1000.00} because that money was received and not credited to my account. I have been reaching out to Edfinancial for over XXXX year with no resolution and they keep deferring and saying they'll investigate with no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I am a Bank of America credit card customer of over XXXX years with a previously perfect payment history. I forgot about a {$9.00} balance on a rarely-used card, and that small balance went unpaid for approximately XXXX months. Bank of America reported this to the credit bureaus, which has now caused a XXXX XXXX drop of approximately XXXX points ( from approximately XXXX to approximately XXXX ). The dollar amount itself {$9.00} demonstrates this was a forgotten account, not a pattern of financial risk. I contacted Bank of America customer service to request a one-time goodwill adjustment given the isolated nature of this incident, my long-standing positive history, and the trivial dollar amount involved. The representative told me that Bank of America is " legally prohibited '' from removing the entry and that there is " nothing they can do. '' This is a misrepresentation. The Fair Credit Reporting Act requires creditors to report accurately if they choose to report ; it does not prohibit a creditor from voluntarily removing accurate information as a goodwill gesture. Bank of America has full discretion to remove this entry, and it was misleading for the representative to claim otherwise.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
I am formally disputing this account pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and requesting a full investigation into the accuracy and completeness of the information being reported. I believe this account may be inaccurate, incomplete, misleading, or otherwise unverifiable. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information they know or should know to be inaccurate. I request verification of all reported information, including the original agreement, payment history, dates of delinquency, balance calculations, and documentation supporting the reporting of this account. If this account has been assigned to or reported by a third-party collector, I also request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, including proof of legal obligation and authorization to collect. If the information can not be fully verified as accurate and complete, I request immediate correction or deletion of the account from all consumer reporting agencies.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Atlantic Recovery Solutions LLC
State: OH

Complaint narrative:
I keep getting these emails from this company, I don't know who this is or what it is about, I have NO past due debt ... I do however suffer from Identity Theft and ALL 3 of my credit bureaus are frozen. So this is clearly a fraudulent account. Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXXXXXX Acc Data To See Product Description * * * Account Balance : {$2700.00} Atlantic Recovery Solutions is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. Atlantic Recovery Solutions XXXX XXXX XXXX XXXX XXXX, NY XXXX Monday-Thursday : XXXX to XXXX Friday : XXXX to XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am disputing XXXX {$35.00} overdraft fees ( XXXX total ) charged on XX/XX/XXXX and XXXX. These charges are physically and mathematically incorrect. My current balance is approximately XXXX XXXX, which proves that the account held a positive balance of roughly {$1.00} at the time the fees were triggered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: VA

Complaint narrative:
I am disputing a debt that was purchased and is being collected by TrueAccord Corp on behalf of XXXX XXXX XXXX XXXX XXXX. I do not believe the company has provided sufficient proof that I owe this debt, that the balance of {$4500.00} is accurate, or that the company has the legal authority to collect it. On or around XX/XX/year>, I was contacted by TrueAccord Corp regarding an alleged XXXX account ending in XXXX with a claimed balance of {$4500.00}. I disputed the account and requested validation of the debt. Specifically, I requested documentation showing the original creditor, a complete payment history, proof of ownership or assignment of the debt, the date the debt was allegedly transferred or sold, and a full breakdown of the balance being claimed. As of today, the company has not provided sufficient documentation to fully verify the debt. Despite my dispute, the company continues collection efforts and/or reporting related to the account. I am requesting that all collection activity stop until the debt is properly validated and that any inaccurate credit reporting be corrected or removed. I request that the CFPB require the company to provide full debt validation, including proof of ownership, documentation showing I am legally responsible for the debt, the original account agreement, and an itemized accounting of the balance. If the company can not provide proper verification, I request that the account be removed from my credit reports and that all collection efforts cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
RoundPoint Mortgage Servicing reversed the vendor-placed insurance and refunded over {$300.00}. However, RoundPoint has continued to ignore multiple calls and written requests to waive the late fees that resulted from their insurance processing failure. Significant time was spent attempting to resolve the issue, including multiple emails and more than XXXX hours of phone calls with approximately XXXX representatives. Im filing this complain against RoundPoint Mortgage Servicing not only for not addressing the current issue with late fee, but because their insurance processing failure occurs every XXXX whn my XXXX XXXX Insuruance renews and I submit the renewal for their processing ; and I need to spend hours on the phone every XXXX to get the issue addressed. My Payment history : No late payments since loan started XXXX ( XXXX months ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: MO

Complaint narrative:
I have {$560.00} stored on Venmo. I have been using Venmo for a quite some time to pay my daughter 's daycare and also our afterschool/weekend babysitter. As I attempted to transfer my balance to my debit card, an account specialist emailed and asked that I provide the last four numbers of my bank account. I did so. They also sent a link to upload a copy of my ID for review. I did that as well. After they received my ID, they emailed back claiming that after reviewing my account, it has been permanently restricted and I can no longer use Venmo. I emailed back and requested that they provide information on why the account what restricted and when I will be able to get my money off of the account. They refuse to provide any information. The amount of money in the account is a substantial amount to just lose for no valid reason and has put me behind financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: SD

Complaint narrative:
On Tuesday, XX/XX/year> I sent funds to XXXX XXXX. The app had then stopped responding to their server and stopped processing the transfer that I had done and a screen popped up saying " It's not you. It's us. Something's just not right between us '' and then the app closed. I opened the app again and I went to send the funds again to XXXX as it said that the action could not be completed and it said that it sent to XXXX XXXX and that the transaction for XXXX had failed. I did not authorize the payment to be sent to XXXX. I have requested the funds to be sent back to me several times. I have disputed this transaction twice and it was denied. I have called them, I tried messaging through the app but it says that it has to be done over phone. I was hung up on by the guy on the phone today when I requested the further action to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC advertised a promotion on their website - XXXX I opened an HSBC a premier relationship checking account and brokerage account under those terms on XX/XX/XXXX. The promotion stated ( 2 ) bonuses, {$1500.00} bonus for new assets totaling {$150000.00} and an additional {$1000.00} bonus for {$50000.00} of those assets being placed in a new brokerage account. The terms at the time of account opening stated How do I qualify for the Tiered Cash Bonus? XXXX. Be a XXXX client with an open XXXX checking account as of XX/XX/XXXX I have a saved copy of the promotion terms. I have now been told by an HSBC phone agent I do not qualify for this promotion as the new terms on the same HSBC web site have been changed to read : How do I qualify for the Tiered Cash Bonus? 1. You must be an existing XXXX client with an open XXXX checking account as of XX/XX/XXXX Even though on the same web site offer page as of XXXX the original terms remain under the Additional Information Section. : XXXX XXXX Net New Assets Cash Offer Terms and Conditions Terms to Qualify for Tiered Cash Bonus : Client must meet each of the following requirements to qualify for the Tiered Cash Bonus : Hold an open Premier checking account as of XX/XX/XXXX. Changing the terms of the promotion after the promotion has started and after I have opened accounts under those terms is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: OH

Complaint narrative:
I originally obtained an online loan from XXXX XXXX for approximately {$700.00}. The original total repayment amount associated with the loan was approximately {$2700.00}. The account was later placed with the collection company Vance & Huffman LLC. Between XXXX and XXXX, I paid approximately {$1800.00} directly to Vance & Huffman toward this account. In XX/XX/XXXX, Vance & Huffman claimed that I still owed approximately {$2300.00}. I disputed the balance and requested : A full itemized accounting of the debt A breakdown of fees, interest, and charges Validation of the balance being claimed Documentation showing the legal authority to collect the debt In response, the company stated in writing that there was no accounting history because I did not make payments directly to the original creditor after receiving the loan funds. However, all payments I made were made directly to Vance & Huffman while they were actively collecting on the account. The company also stated that the account was being forwarded back to its client for further collection activity. I am concerned because : I have already paid substantially more than the original loan amount The company has not provided a complete accounting of how the current balance was calculated The original lender, XXXX XXXX, no longer appears to be operating or servicing loans I have not been provided with clear documentation identifying the current legal owner of the debt or explaining where the funds I paid were ultimately applied I believe the balance being collected may be inaccurate, inflated, or otherwise not legally enforceable, and I am requesting a review of the collection practices and the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I sent money through Western Union. I did not provide the XXXX to the receiver, yet the funds were still picked up. Western Union opened an investigation and advised it would take 20 days. The deadline passed and I still have not received a resolution or refund. I believe the funds were released improperly and I am requesting reimbursement for the unauthorized payout.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I recently obtained a copy of a Notice of Sale related to the XXXX of my leased vehicle, a XXXX XXXX XXXX XXXX. The notice was mailed in XXXX to a XXXX XXXX address where I did not live and did not reside at the time the notice was sent. Although my ex-husband may previously have been associated with that address years earlier, it was not my residence or mailing address in XXXX. Because of this, I did not receive meaningful notice regarding the pending sale of the vehicle or my rights related to the XXXX I am requesting records showing how this outdated address was obtained and used, including the address history associated with my account and repossession records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
When I got the mortgage and signed all the documents, I agreed to Flood insurance being escrowed. ONLY flood insurance. I started paying my payments with no problems. Last XXXX Shellpoint took over my mortgage... everything stayed the same as far as payments. I paid on time every payment. Suddenly in XXXX I got notification that Shellpoint paid my Homeowners Insurance as it came due. Now I have always paid my insurance monthly for years with no problems. I contacted Shellpoint and got nowhere so I sent copies of the pages showing my contract only escrows the Flood Insurance. They sent me a letter denying my request. I sent them the money that they paid for the homeowners to correct the escrow amount and hopefully get back on track with my payments. ( They have increased my monthly payments even though I paid them back for the premium they wrongfully paid on my behalf! ) I have repeatedly contacted them about this and they refuse to honor my original contract. If I can't get this resolved, I'm sure they will pay my property taxes later this year and this problem will start all over again. PLEASE tell me how I can get them to honor my original contract. I wouldn't have a credit score of over XXXX if I didn't pay my bills! Thank you for your time, I hope you can help me.

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