vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: OFG BANCORP
State: FL

Complaint narrative:
XX/XX/year> - Initiated wire from my TD bank account to Oriental Bank ( XXXX XXXX  ). XXXX was used as intermediary. Fed Ref. No. : XXXX Funds never arrived XX/XX/year> - TD initiated trace. XXXX said funds returned. TD never received XX/XX/year> - TD sent requests for return of funds ( 3 total ), XXXX never responded. 

XX/XX/year> - TD initiated another trace and fund request. 

XX/XX/year> - No funds nor information. XXXX has been non-responsive. 

Oriental Bank refuses to initiate communication from their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC
State: TX

Complaint narrative:
I am filing a complaint against Americor Funding , Inc. regarding deceptive and misleading debt settlement practices that resulted in significant financial harm, credit damage, and civil litigation. 

Around XXXX XXXX XXXX I enrolled in Americors debt settlement program after being presented with sales materials and financial projections that showed my original account balances alongside projected settlements of approximately XXXX  % of those balances. These materials created a clear and reasonable impression that my debts would be meaningfully reduced from the amounts I originally owed. 

In practice, Americors program operated very differently than represented.

Americor instructed nonpayment as part of the program, which caused my account balances to increase significantly due to interest, fees, and penalties. Americor then negotiated settlements based on these inflated balances, not the original balances shown during enrollment. Americor also charged a XXXX % settlement fee based on the original enrolled balance, further eroding any claimed savings. 

Examples : XXXX Account Original enrolled balance : {$1400.00} Settlement amount : {$2000.00} Americor settlement fee : {$400.00} Total cost : {$2400.00} This resulted in me paying more than my original debt, despite the program being marketed as debt reduction. 

XXXX XXXX  XXXX Account Original enrolled balance : {$7700.00} Inflated balance used for negotiation : {$9000.00} Settlement offer : {$6400.00} Estimated Americor fee : ~ {$1200.00} Total projected cost : ~ {$7600.00} This settlement provided no meaningful reduction from my original balance once Americors fee was included. Any claimed savings existed only because the balance had been artificially inflated during nonpayment. 

Credit and Legal Harm As a direct result of participating in Americors program : My credit score dropped from approximately XXXX to XXXX within months. 

XXXX account was charged off. 

I was subsequently sued in XXXX XXXX XXXX XXXX XXXX XXXX by the creditors successor entity. 

I incurred additional financial exposure, legal risk, and long-term credit damage. 

While Americors contract contains general disclosures that negative credit outcomes may occur, the sales presentation and marketing materials emphasized debt reduction and savings, not the likelihood of paying more than original balances or facing civil litigation. 

Why This Is Deceptive Americors marketing created a net impression that debts would be reduced relative to original balances. In reality : Settlements were based on inflated balances created by program-directed nonpayment ; Fees often eliminated or reversed any reduction ; I was left worse off financially and legally than before enrollment. 

This discrepancy between marketing representations and actual outcomes is misleading and caused real harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
I have been unable to access my XXXX XXXX account since at least XX/XX/year> and sought assistance through XXXX XXXX online support and complaint forms ( Ticket ID : XXXX ; Ticket ID : XXXX ). Per their support team 's direction to reset my account email, I submitted a photo with a view of my full face, the ID that was used to register with XXXX, and a handwritten note with the date the photo was taken and the code provided by your team. Despite dozens of requests for assistance ( available upon request ), this issue remains unresolved -- I still can not access my account and thus do not have access to my investments. There is no phone number to contact this cryptocurrency company and I am very scared that I will lose my investments. Please assist!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I received a phone call from chase manhattan bank. The representative said I was being scammed and the transaction was going through. They said I needed to XXXX money to the email and it would reverse the transaction. After I XXXX  the money the first time the representative said I had to send another XXXX to the same account and that would come back within a couple of minutes. The representative told me to hold and then I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
HSA Bank closed my Health Savings Account in XX/XX/2025 with a balance of {$2600.00}. 
HSA Bank states the funds were escheated to the California State Controller via EFT/ACH, but they refuse to provide an ACH trace number, transmission confirmation, acceptance receipt, Property ID, or rejection notice. 
The California State Controller confirms they have no record of receiving the funds and can not locate them without a trace number. 
HSA Bank has refused to escalate my case, denied access to supervisors or compliance, and continues to deflect responsibility to the State, XXXX, or my former employer. 
I am requesting documented proof of transfer or immediate corrective action to release or properly re-escheat my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
There were over XXXX dollars worth of purchases made on the card, all of which were clearly not mine and should have been flagged earlier. I only found out about this because I got a notice that I had a late fee, and I knew I had not used the card. I am showing two late pays on charges that arent mine. I have called the company twice dating back to XX/XX/XXXX and was promised that letters were being sent. Did not get them, made another call. Found out not all fraud charges were flagged, again requested the letter. Nothing received. Meanwhile this has had a major impact on my credit. 

Barclays allowed someone to change all of my information on the account, basically an account takeover. I feel they did not adequately protect 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 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: MA

Complaint narrative:
I am a Massachusetts resident. I obtained a small loan from Birch Lending ( also known as Tolovana Financial ), which I later discovered operates as a payday-style loan with an extremely high APR. 

The lender did not clearly disclose the APR or full loan terms prior to my agreement. I was not provided a clear Truth in Lending disclosure before signing, and the APR was not presented in a way that I could review or understand. 

Payday lending as conducted by this lender is illegal in Massachusetts due to state interest rate caps. Despite this, Birch Lending issued the loan and initiated ACH withdrawals from my bank account. 

I have now paid approximately the full principal amount originally borrowed ( around {$1000.00} ). Any additional amounts collected constitute unlawful interest and fees under Massachusetts law. 

I have revoked ACH authorization with both my bank and the lender and formally disputed the debt. Despite this, the lender continues to withdraw funds and/or attempts to collect payment. 

I am requesting assistance to stop further unauthorized withdrawals, to confirm that I do not owe any additional amounts beyond the principal already repaid, and to ensure the lender ceases collection on an illegal loan that violates state usury laws and federal disclosure requirements under the Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am a business owner who process point of sales through a merchant called Square and I have been regularly processing sales with no problem and the last sale that I received was for {$490.00} and square decided to temporarily freeze my account until they verify my identity, mind you my identity has been verified prior to signing up for the account, not only once but twice. I received the email that my account had been deactivated right then called customer service to ask to get an explanation as to why the account has been deactivated with money in there. They advised me to go read the terms and services saying that they can deactivate my account anytime just because they can. Okay that may be their rules, but its uncanny to just deactivate a business owner account with funds in there and you guys are allowed to hold them for 90 days. I was told that they wont be released until XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions handling of a materially impaired auto loan collateral and the servicing of my loan during an unresolved manufacturer defect dispute. 

I have an auto loan with Navy Federal Credit Union for a XXXX XXXX XXXX XXXX, originated in XX/XX/XXXX. The vehicle experienced a catastrophic engine failure and is currently non-operational. The failure is the subject of an ongoing dispute involving XXXX XXXX XXXX and a XXXX dealership related to known engine defects and recalls affecting this model. 

Navy Federal has acknowledged in writing that the vehicle is non-operational. I formally notified Navy Federal of the collateral impairment and requested a review of how the loan would be handled while the vehicle is unusable.

Despite acknowledging that the vehicle is non-operational, Navy Federal has continued to service the loan as if the collateral were fully functional, including requiring continued full insurance coverage and ongoing payments, without providing any clear collateral impairment review, accommodation, or explanation. 

When I requested clarification regarding collateral impairment handling, Navy Federal stated that it is only the lender and redirected responsibility entirely to the manufacturer. At no point has Navy Federal confirmed whether a collateral impairment review was conducted, who conducted it, what standards were applied, or whether any alternatives or accommodations were considered. 

During this time, the vehicle has not been driven or used, remains stored and inoperable, loan payments have continued to be made, and insurance premiums continue to be paid on an unusable vehicle. 

I am not disputing that a promissory note exists. My concern is that Navy Federal failed to fairly address a material change in the condition and value of the collateral while continuing normal servicing without transparency or review.

I am requesting that Navy Federal be required to explain how collateral impairment is reviewed and handled, disclose whether any such review occurred in this case, and explain how continued servicing aligns with fair loan servicing practices when collateral is acknowledged as non-operational.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing a telecommunications collection being reported by Portfolio Recovery Associates. This account is not mine and is the result of inaccurate and impossible account history. 

The alleged debt is tied to a XXXX account that reportedly originated in or around XXXX. I was born in XXXX and was a minor at that time, making it impossible for me to have opened or been legally responsible for this account. 

I requested debt validation and verification, including proof that the account belongs to me, the original account agreement, and accurate account history. The company responded with generic billing documentation that does not establish that I am the consumer responsible for the debt and does not address the age discrepancy or identity mismatch. 

Despite this, the account continues to be reported on my credit report, causing harm to my credit profile. Reporting a debt that does not belong to me and failing to properly investigate and correct inaccurate information violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

I am requesting that this account be deleted immediately due to inaccurate reporting, failure to properly validate the debt, and clear evidence that the account could not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I asked the represent to convert my card to the freedom XXXX  and it was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: Fairway Independent Mortgage Corporation
State: GA

Complaint narrative:
I applied for mortgage assistance in XXXX. the company pulled my credit and thought i had 2 mortgages and denied my mortgage assistance. 
I had to apply again and i had to beg to speak to a supervisor. They processed my second application and asked me to pay the first mortgage payment to approve the modification. The modification was approved for payments of XXXX XXXX XXXX and XXXX I kept getting call from the mortgage company telling me to set up payments with my checking account. I told the representative that i will go online to pay. She forcefully said i had to set up a payment plan. She asked what checking account would i normally make my payments from. I told her Ill go online to make my payments. I logged online to make XXXX payment on XX/XX/year> after being instructed to pay through the month of XXXX. On XX/XX/year> payment went through successfully and i received confirmation. On XX/XX/XXXX, and XXXX I tried to make my XXXX payment and the website was not allowing me. I received a call XX/XX/year> from the loss mitigation department that my XXXX payment wasnt made. I asked for a manager and they put a call in for a manager. They found my XXXX payment that i made and told me i had to reapply for mortgage assistance all over again. I explained that this was unacceptable and that its over 30 days and you still have my mortgage payment from XXXX and I have to pay my XXXX payment today. 
In XXXX and XXXX I never received notification about any issues. I was able to go online and make a payment. 
I did not get any phone call or mail about a pending foreclosure. by law i need notification that i did something wrong. I paid my mortgage payment on time for the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RNN Group, Inc
State: NJ

Complaint narrative:
On XX/XX/year> at approximately XXXXXXXX XXXX our business received a phone call from a caller identifying themselves as XXXX XXXX, using the phone number XXXX. 

The caller stated that they were calling on behalf of a third party to verify the employment of one of our employees. The caller was informed that our company does not discuss or verify employee information with third parties over the phone.

I advised the caller that if they identified the third party making the request, I could look into the matter through appropriate and lawful channels. The caller refused to provide any information regarding the third party they claimed to represent. At that point, I informed the caller that we were at an impasse and that no further discussion could take place. 

Following the call, I contacted the employee involved. The employee stated that they had not applied for any services, credit, or employment verification and believes the call may have been from a debt collector. While we can not confirm the identity or intent of the caller with certainty, the circumstances suggest the possibility of a debt collection related inquiry. 

Our business phone number is registered on the Do Not Call Registry. We do not permit debt collectors or other third parties to contact our business for employee verification purposes, nor do we want any activity that could result in the harassment or undue pressure of an employee.

We are submitting this statement in good faith to document the incident and to seek guidance on whether this matter falls within your jurisdiction. If this complaint should be directed to another agency or handled through a different reporting channel, we respectfully request to be advised accordingly. 

Our intent is to ensure proper compliance and to protect our business and employees from unauthorized, unsolicited, or improper third-party contact.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I have submitted XXXX applications for the XXXX program for an approved employer. this employer is closed and no longer in operation, for this reason I submitted a manual application and uploaded the acceptable documents both were closed without proper guideline supporting reasoning. 

The first application was submitted on XX/XX/XXXX with federal approve employer XXXX forms documentation on XX/XX/XXXX I received a letter that the application was closed because the documents were irrevelant and or missing and were not received by XX/XX/XXXX. XX/XX/XXXX had not yet come. 

I resubmitted the application for the same approved employer on XX/XX/XXXX and uploaded official XXXX forms with all of the appropriate information and the application was closed again. Stating that the documents are invalid and had not been received by XX/XX/XXXX. The date of XX/XX/XXXX, has not arrived. 

I called to speak with a representative who could not find the reason why the application was closed. 

According to the missing employment documentation of the letter received it states " Missing Employment Documentation - you indicated in your PSLF submission that your employer had closed or refused to certify your employment ; however, you did not submit documentation such XXXX, paystubs, or IRS tax return transcripts for the periods of time documented on your form ; supply documentation for the time period on your PSLF form. If you submitted your application via My Activity, you must also submit your form with your signature and date ( but not your employer 's signature ) for us to process your employment along with the documentation you must submit. Ensure that your documentation matches the EIN and Employer Name on your application. If your documentation does not match, your employment may fall into one of the following scenarios.

Your employer may be using a professional employer organization ( PEO ), which is an organization that provides administrative services, such as payroll and benefits, for another organization under a contractual agreement. PEOs are co-employers of an employee, but for PSLF purposes, the employee is considered a direct employee of the non-PEO employer. 

If your employer uses a PEO and is unable to sign your PSLF form, you may submit '' The XXXX 's were submitted but deemed as not received, thus closing the case.

Company response to consumer: Untimely response