vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, fraudulent charges appeared on my PayPal account to a merchant called XXXX in the amounts of {$600.00}, {$120.00}, and {$30.00}, totaling {$750.00}. I did not authorize these transactions and have never conducted business with this merchant. I immediately contacted PayPal to dispute the charges. 

While reviewing my account for potential security issues, I discovered that my phone number had been changed without my authorization and that a passkey had been added to my account. These unauthorized account changes indicate that my account was compromised. I promptly removed the passkey and contacted PayPal to have the unauthorized phone number removed and my correct phone number restored. 

On XX/XX/XXXX, I received an email from PayPal stating that my disputes were denied and the cases were closed. PayPal concluded that there were no unauthorized transactions or account changes, which is inaccurate. My phone number was changed and a passkey was added without my consent, and these facts appear to have been ignored during XXXX investigation. 

In addition, my PayPal debit card was added to an XXXX XXXX account without my authorization. Multiple attempted charges were made to collect money owed to XXXX. These transactions were unsuccessful only because I had already withdrawn all funds from my PayPal account. 

I have contacted PayPal customer service numerous times and have requested to speak with a supervisor on more than XXXX occasions, without success. The representatives I have spoken with do not appear to understand the nature of my complaint, and the investigation outcomes provided by PayPal contain false conclusions regarding account security and authorization. 

As a result of XXXX failure to properly investigate and resolve this matter, I have been deprived of {$750.00}, my bills are now past due, and I have been left without meaningful assistance or recourse. I am requesting that PayPal conduct a proper investigation, acknowledge the unauthorized account access and transactions, and refund the full amount of the fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
In XX/XX/XXXX, I applied for mortgage assistance on my FHA loan due to a temporary loss of income. I specifically requested an FHA forbearance, which is the appropriate option for a temporary hardship. 

My Mortgage Assistance XXXX was marked complete on XX/XX/XXXX. During the review, I was advised by PHH Mortgage representatives not to make my XX/XX/XXXX payment while the request was pending. 

Instead of reviewing my request under FHA forbearance programs, PHH routed my application into a loan modification review without my request or consent. I later received multiple Trial Plan Approval notices and my online account now shows a repayment or trial payment plan beginning XX/XX/XXXX, which I did not apply for or accept. 

I have never received a written decision approving or denying my forbearance request, despite repeated calls and written communications. I have requested clarification, escalation, and correction of this issue, including review of XXXX for inclusion in forbearance due to XXXX  processing delays. To date, I have not received a clear resolution. 

As a result, my XXXX payment shows as missed, and negative credit reporting may have occurred due to instructions given during the assistance review. I am requesting that PHH properly review my request under FHA forbearance guidelines, correct any servicing errors, and address any improper credit reporting caused by this process.

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 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I am filing this complaint against IQ Data XXXX regarding a rental collection account they are reporting and attempting to collect related to XXXX XXXX XXXX XXXX XXXX 

This alleged debt dates back to the XXXX period. During that time, I applied for government rental assistance, and some portion of the rent was paid through a XXXX relief program. The landlord was also required to apply for relief on their end. 

To this day, I have never been provided with a complete, itemized ledger showing : What months were covered by rental assistance What amounts were paid by the program What amounts ( if any ) remain legitimately owed How the current balance was calculated IQ Data is reporting and attempting to collect a balance that is not verified, not itemized, and very likely inaccurate, since XXXX XXXX  assistance was applied to this account. 

I have disputed this account multiple times with the credit bureaus, including most recently with XXXX, yet the account continues to be verified without IQ Data ever providing me with proper documentation or a full accounting. 

I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as IQ Data is : Misrepresenting the amount owed Failing to provide proper validation Furnishing inaccurate or incomplete information to the credit bureaus. 

They are collecting and reporting a balance that does not properly account for XXXX rental assistance payments and can not be substantiated. 

I am requesting : Full documentation and an itemized accounting of the alleged balance Proof that all XXXXXXXX XXXX assistance payments were properly credited Correction or deletion of this account from my credit reports if the balance can not be fully substantiated No company should be allowed to report and collect amounts that can not be properly verified or explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: UT

Complaint narrative:
I am filing this complaint because U.S. Bank closed my fraud claim and denied reopening it after reviewing my police report, without providing any written explanation or final determination. 

I reported unauthorized transactions on my checking account. The police report documents the initiation of the fraud and establishes that the fraudulent activity began with the first unauthorized transaction and continued as a direct result of that initial event. The report and supporting documentation identify multiple unauthorized transactions, including dates, merchants, and amounts. 

As instructed by the bank, I submitted the police report through multiple methods, including fax, email, and in-person delivery at a U.S. Bank XXXX XXXX On XX/XX/year>, a disputes and fraud agent confirmed that the police report had been reviewed. 

Despite confirming review of the police report, the bank denied reopening my claim. I was not provided with any written explanation, no final determination letter was issued, and no explanation was given as to how the police report or transaction evidence was evaluated. I was only informed verbally that the case would not be reopened. 

Closing the claim and denying reopening under these circumstances, after acknowledging review of the police report, constitutes a failure to conduct a complete and reasonable investigation and a failure to provide the required written determination under Regulation E. 

These actions constitute violations of Regulation E, including but not limited to the failure to conduct a complete and reasonable investigation, the failure to properly evaluate submitted evidence, and the failure to provide a written determination explaining the basis for the banks decision. 

By closing the claim and denying reopening after acknowledging review of the police report, without issuing a written explanation or final determination, U.S. Bank failed to comply with its obligations under Regulation E. 

I am requesting that the Consumer Financial Protection Bureau conduct a regulatory review of these violations and take appropriate enforcement, supervisory, and corrective actions to address U.S. Banks noncompliance with Regulation E and to prevent similar violations affecting other consumers.

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 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have been contacted by Portfolio Recovery Associates for the past XXXX years. My credit card company sold my debt to them without informing me and also while I was making payments on the debt itself. It has gotten to the point that I had to download a XXXX XXXX  app to let me know that it was them calling from hundreds of different phone numbers, and the app also let 's you know that this company is XXXX of the top firms that harass victims with countless calls and texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding an unvalidated collection account being reported by National Credit Systems. 

I disputed this account and requested debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. National Credit Systems failed to provide documentation establishing the existence of a valid debt, the accuracy of the amount reported, or their authority to collect and report this account. 

Despite the lack of validation, this account continues to be reported to the credit bureaus, which constitutes inaccurate and unlawful credit reporting under the FCRA. 

I am requesting immediate deletion of this collection account from all consumer reporting agencies and written confirmation that reporting has ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I was dealing with XXXX XXXX XXXX and they sold my debt to Westlake portfolio management on XXXX. My scheduled due date was on the XXXX of every month when I was dealing with XXXX XXXX XXXX Now that they sold my debt to XXXX XXXX they have my dates scheduled for the first and they will not change it. They just keep piling up late fees. As of XXXX, I have over XXXX in late fees in just XXXX month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
My Wife and I have contacted XXXX XXXX  multiple times since XX/XX/XXXX about our mortgage payment. They have raised our mortgage payment from {$1100.00} per month in XXXX to {$1400.00} in XXXX to now {$1700.00} in XXXX. They are citing that the increases are all due to escrow. On XX/XX/XXXX, we made a payment directly to escrow in the amount of {$2900.00} to combat this. However, since then, no adjustments have been made. We have called at least 5 times and every time we call, they say wait 10 days, wait XXXX more days, wait 2 days. They keep giving us the run around and tell us that they have submitted a request for an escrow analysis, but nothing gets done. We are desperate for some help to get this corrected and prevent our monthly payment from going up every couple of months.

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 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I sent Cavalry Portfolio Services a cease and desist notice pursuant to 15 U.S.C. 1692c ( c ). Despite this, they continued collection activity and/or failed to properly validate the alleged debt. This constitutes a violation of the FDCPA. I am requesting removal of the collection account and cessation of all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I request that the credit bureau and collection agency correct my credit report to reflect that this balance is paid in full and no debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
Shortly after purchasing my home in late XXXX, I experienced a prolonged financial hardship caused by circumstances beyond my control. The XXXX pandemic severely disrupted my income when the business I was operating relied on in-person trade school recruitment, many of which were closed for extended periods. This resulted in a significant and sustained loss of income. 
Compounding this hardship, both my mother and my sister were diagnosed with XXXX XXXX during this same period. As the only immediate family member able to assist, I became financially responsible for their care and living expenses. My mother ultimately required assisted living due to declining health, and my sisters illness progressed to XXXX XXXX XXXX, limiting her ability to work. Both have since passed away in XXXX. 
These events created a temporary but overwhelming financial burden that directly impacted my ability to remain current on my mortgage. That hardship has now fully resolved. 
As of XX/XX/XXXX, I exited a failing business partnership and re-established my business independently. My income has stabilized and continues to increase monthly. I am no longer responsible for family medical or living expenses and am fully capable of resuming regular, on-time mortgage payments immediately and on a sustainable basis. 
While I can afford my ongoing monthly payment, I do not have the ability to reinstate the loan in a lump sum of approximately {$60000.00}.

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 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
The calls all the time. I ask who this is and they say I have too accept there terms too get answers. I asked how did you get my information and the same thing happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year>, I noticed multiple unauthorized transactions on my account. I did not make, approve, or authorize these transactions. 
The charges were made without my knowledge or consent. As soon as I became aware of the issue, I reviewed my account activity and confirmed that these transactions were fraudulent. I contacted the company to report the unauthorized transactions and requested an investigation and reversal of the charges, but the issue has not been resolved satisfactorily. I am requesting that the company investigate these unauthorized transactions, reverse all fraudulent charges, and take appropriate steps to prevent further unauthorized activity on my accoun

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received multiple fraud charges from XXXX purchases made to my Bank of America checking account. I got a text message stating I received an unauthorized transaction for {$1500.00} and I was to approve or decline said transaction. I declined, and promptly checked my banking app to find that there were transactions for {$1200.00}, {$1500.00}, {$2700.00}. I also saw numerous declined transactions for purchases made on XXXX, all for {$1500.00}. I was not notified of the transactions until there was less than {$1500.00} in my account which prompted the card to decline. I have the order number from the XXXX purchase made and the person who used my card. this is a business banking account and I am out of work because I can't afford to buy the materials I need to buy because the bank is withholding said funds for an investigation. XXXX XXXX and within XXXX minutes of searching I found the persons name, XXXX transaction and the XXXX listing matching the purchase description and amount. I do not have the time to be waiting for my bank to reissue me funds because theyre prolonging an investigation. I need the funds to be able to function and operate my business. order numbers are present on all the orders.

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 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: VA

Complaint narrative:
My student loan was placed on the XXXX plan when XXXX was the XXXX. In XXXX, I completed a repayment application to start repaying my loans due to the XXXX plan being tied up in court proceedings. On XX/XX/XXXX I contacted Mohela and was notified that on XX/XX/XXXX, I would start paying {$280.00} monthly. My account was placed on auto pay for some time due to previous notifications of repayment. On XX/XX/XXXX, I checked my Mohela account to ensure that the payment was taken out of my bank account. On my Mohela and XXXX XXXX account, it reflected that my account was past due in the amount of {$280.00}. I spoke with a Mohela representative on XXXX occasions that day who confirmed that the payment was received ; however, it was applied to the interest and not as the monthly payment. At that time, a ticket was submitted to resolve the issue. I expressed to the Mohela representative that I would like to ensure that the account is reflecting accurate information before my XX/XX/XXXX, payment at which she stated that the issue would take XXXX business days to complete. I contacted Mohela again on XX/XX/XXXX, because I noticed that the account was now reflecting that I was {$570.00} past due. This {$570.00} was for the month of XX/XX/XXXX and XX/XX/XXXX payment. At that time, I was informed by the Mohela representative that the issue was not " escalated '' and therefore, she would escalate the issue. The representative stated that the issue should be resolved within XXXX business days. I called Mohela back on XX/XX/XXXX, and at that time I was told that the issue had not been escalated, and she was going to escalate it to the highest department possible, and it should take XXXX business days to resolve the matter. I called Mohela on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( spoke with a representative twice on this date ), and XX/XX/XXXX. It is important to note that on all of the above dates, I was informed that the issue needed to be escalated as it was not during previous calls and that I needed to give the matter XXXX business days to be resolved. I was also informed that the matter was pending but no further action has been taken. Another representative told me that there was an embedded forbearance placed on my account in XX/XX/XXXX and that needed to be remained, so another ticket was created for that matter alone. I have contacted XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about the above matter as well and attempted to submit a feedback complaint but to no avail as the website states that it is unavailable. On XX/XX/XXXX, I spoke with a representative at XXXX XXXX who submitted the feedback via telephone. I have received mailed letters from Mohela stating that my account is past due.

Company response to consumer: Untimely response