vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 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: Ocwen Financial Corporation
State: NC

Complaint narrative:
I had a mortgage with PHH mortgage, which was acquired by a company called ONITY mortgage recently. I was on a forbearance plan through the end of XXXX. I was told by my relationship manager to proactively submit a new mortgage assistance application so that they can review what options would be available.. I completed that mortgage application on XX/XX/XXXX and had been waiting for a review. I had a relationship manager meeting on XX/XX/XXXX and was told that my updated forbearance plan was approved. When I called to make my XXXX payment, I was told by the representative that I could not make a payment unless I was able to fully reinstate my loan because my house was in foreclosure. I immediately asked how did this happen when I told that I was on a forbearance. They said they did not have one and that I needed to start over and submit a new mortgage assistance application which I did and was waiting for the review. I have made several phone calls, complaints manager escalation request, and have been given the complete runaround from them. They said that my forbearance plan ended in XXXX and on XX/XX/XXXX. They submitted my mortgage to be activated with foreclosure. I asked them how was that fair when they did not notify me they did not provide an update on my new mortgage application. I told him this was unfair because they added over {$8000.00} in fees to my account. I told them that I understood that the back due payments could be due when the plan ended however, they did not give me an opportunity to make those payments and just activated the foreclosure on the house. They just keep giving me the runaround and said that I have to make the over {$12000.00} payment immediately. I keep trying to explain to them that they can not fairly say that they put my house on foreclosure within days with no notification to me. They will not XXXX XXXX in basically tell me pay the fees or else. I was definitely hoodwinked here because they told me that I was waiting here back on their mortgage application assistance when they had activated all foreclosure on my house without me even knowing it.

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 2026-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND Desist To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am filing a formal complaint against Affirm XXXX Inc. for a failure to properly investigate a case of identity theft and unauthorized billing errors under federal consumer protection laws.I am a victim of identity theft. A fraudster used my stolen XXXX XXXX checking account details to fund XXXX identical monthly payments of {$210.00} each, totaling {$840.00}. These unauthorized withdrawals occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXXWhen I contacted Affirm to report this fraud, front-line customer service representatives stated they " can not find '' or trace these charges because they do not appear under my personal identity or profile. This confirms that a criminal opened a separate, fraudulent ghost account using my stolen banking routing and account numbers to fund unauthorized retail loans.Affirm can not legally process and retain stolen funds pulled from my personal checking account while refusing to trace the payment origin. I am demanding that Affirm 's Fraud Operations Team bypass basic name searches, use my bank 's payment network tracking data to locate the fraudulent account, cancel the unauthorized loans so they do not impact my credit, and fully cooperate with XXXX Bank to return my {$840.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Cook Law Office PLLC
State: KY

Complaint narrative:
I enrolled in a debt relief program with XXXX XXXX in XX/XX/XXXX. At that time, my account with XXXX XXXX XXXX was current and in good standing. My last payment to XXXX XXXX was on XX/XX/XXXX. XXXX XXXX instructed me to stop making payments directly to XXXX XXXX and advised me not to communicate with them because they would negotiate a lower payment and interest arrangement on my behalf. I followed those instructions in good faith. XXXX XXXX 's last direct communication with me was on XX/XX/XXXX. I later learned that XXXX XXXX had attempted negotiations but XXXX XXXX was unwilling to work with them. XXXX XXXX filed a lawsuit against me on XX/XX/XXXX. I did not receive the paperwork from the sheriff until approximately XXXX XXXX XXXX The paperwork I received appeared incomplete because it was not signed at the bottom. Based on when I received the documents, I believed I had time to respond. I pay monthly fees through XXXX XXXX that included legal support services intended to assist and protect me if legal action occurred. I submitted the lawsuit paperwork to XXXX XXXX on XX/XX/XXXX expecting assistance. On XX/XX/XXXX, I was notified that the law firm could not help me. I later learned XXXX XXXX had already proceeded to court on XX/XX/XXXX and obtained a judgment against me. On XX/XX/XXXX, a lien was placed on my home for the debt amount plus court costs and attorney fees. After this occurred, XXXX XXXX informed me there was a resolution requiring payment of the full amount within one week and stated wage garnishment could follow. I am filing this complaint because I have concerns regarding notification of the lawsuit and the sequence of events that led to a judgment and lien being entered before I believed I had a fair opportunity to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: MI

Complaint narrative:
hello sir someone changed my XXXX email and phon namber please help me again my old XXXX email and phon namber XXXX XXXX card ( XXXX ) XXXX email : XXXX Namber:XXXX DOB:XXXX but I previously gave an incorrect date of birth due to a typing mistake. ssn:XXXX please add now mail : XXXX namber:XXXX PLEASE SIR help me as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a payment to Edfinancial in the amount of {$1100.00} in order to bring my student loan account current. The funds were withdrawn from my checking account several business days later. At the time, my account consisted of three separate loans. Despite the payment being successfully processed and removed from my bank account, the balances on the loans did not decrease or reflect the payment. Because the payment was never properly applied to my loan balance, my account continued to appear past due and additional balances accumulated over time. I did not initially realize the payment had not been credited because the funds had already been withdrawn from my bank account. Additionally, on XX/XX/XXXX, I made another payment in the amount of {$85.00}, which was also withdrawn from my bank account but never applied to my loan balances. As a result, Edfinancials records now incorrectly reflect that I have not made a payment in nearly a year, despite multiple payments having been successfully debited from my bank account. On XX/XX/XXXX, I contacted an Edfinancial representative regarding this issue. During that conversation, I was informed that the payments had been processed and withdrawn from my account, but were not added or applied to my loan balance. Due to Edfinancials failure to properly apply these payments, my account became severely delinquent and entered default status. This issue was not caused by a failure to make payments, but by the companys failure to correctly process and credit payments after accepting the funds. I am requesting that Edfinancial : * investigate and properly apply both payments to my account effective on the original payment dates, * correct my account status and remove any wrongful delinquency or default caused by this servicing error, * correct any negative credit reporting related to this issue, * and provide written confirmation once the matter has been resolved. I will provide supporting documentation showing the withdrawals from my bank account and records of my communications regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelent claimed to have sent me letters, phone calls, and texts regarding payments coming back and late payments, but they did not. I asked for the dates and the address they sent this to, but they could not tell me at all. To this day, they still refuse to get rid of the late payment notifications and have it listed where the same month they started to take payments again, that I was 30 days late, which does not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
I had a credit card with XXXX Avant Credit Card, with a credit limit of {$300.00}. I was charged a renewal of the annual fee of {$99.00} on XX/XX/year>, which I was notified by an email from them saying I was over my credit limit due to this renewal fee. I received notice of this via email on XX/XX/year> and I closed the credit card account and requested a refund of the annual fee, as It was well under my states 30 days allowance, it was actually 3 days between the annual fee renewal and me closing the account. I contacted the XXXX Avant Credit Card Company twice to have this renewal annual fee credited, however they would not credit it. I was a responsible customer of XXXX Avant Credit Card and never paid my account late. I find this to be unfair and predatory tactics, being charged a {$99.00} fee on a credit card with a limit of {$300.00}, and with only 3 days between the time the annual fee was charged and me closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, I was scammed for {$75000.00}. I got a cashiers check in the amount of {$75000.00} at approximately XXXX XXXX at Wells Fargo. At XXXX XXXX the following morning ( XX/XX/year> ) I went to Wells Fargo and asked them to do a stop payment. I provided XXXX XXXX, Wells Fargo branch representative, a copy of the FBI IC3 report and the XXXX Sheriff case number, proving that this was reported as a fraudulent scam. Wells Fargo was informed that a suspicious activity report was filed by XXXX XXXX XXXX. On XX/XX/year> XXXX XXXX, branch representative, informed me that there was no update on the {$75000.00} being returned but we should know something by Tuesday, XX/XX/XXXX. On XX/XX/year>, I was told by XXXX XXXX, that the stop payment was not honored by Wells Fargo, because I got a cashiers check and then deposited into a XXXX XXXX XXXX account. Wells Fargo said they had honored my request to issue a cashiers check and because I had deposited it with XXXX XXXX XXXX. Wells Fargo said they didnt need to take any action to request a stop payment on the cashiers check as I requested. During the XX/XX/year>, meeting with XXXX XXXX, the branch representative, and head office I was told they would do a review, and I should wait to hear from them, as they might have questions for me. I did not hear from them. During my meeting with XXXX XXXX, the branch representative, and head office on XX/XX/year>, I was given the impression that these funds would be returned to my account and a stop payment would not be a problem. On XX/XX/XXXX, I was very surprised that my money was not being returned and that Wells Fargo made no effort to try to do a stop payment on the {$75000.00} cashiers check as I requested.

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 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I paid off my vehicle loan with Kia Finance in XX/XX/XXXX for my XXXX XXXX, which has been titled in South Carolina since XXXX. After not receiving my title, I contacted Kia Finance and was informed that my title had been transferred to Georgia. I then contacted the South Carolina XXXX and was told that XXXX XXXX requested a duplicate Georgia title, which resulted in my valid South Carolina title being voided. I never authorized any title transfer or duplicate title request in Georgia. Because I did not receive my title after payoff, I lost a vehicle sale since I was unable to provide title documentation to the buyer. I am requesting : - Immediate correction of the title records- Restoration/reissuance of my proper South Carolina title - Written explanation of why a Georgia duplicate title was requested - Copies of all title activity records- Confirmation that the lien has been released - Compensation review for damages related to the lost sale and delays caused by this error I have attempted to resolve this directly with Kia Finance but have not received a resolution.

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 2026-05-18 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On or about XX/XX/year>, I purchased a XXXX XXXX using PayPal Credit for approximately {$1300.00}. After delivery, the bike had serious safety and quality defects, including rear sprocket bolts falling out and causing the chain to come off, a bent front brake disc, weak front braking, and loud abnormal motor noise. I contacted XXXX multiple times trying to resolve the problem and requested a refund, but the company delayed and refused to simply take the bike back. They instead pushed repair attempts and asked for more proof. I also submitted a verified 1-star review about the defects, but it never appeared on their website. When I posted the same review with a different email and a 4-star rating, it appeared quickly, which makes me believe negative reviews are being suppressed. I relied on the reviews shown on the site when deciding to buy the bike. I filed an FTC complaint and was told to contact my payment provider. My PayPal case was later closed in the sellers favor because it was filed more than 30 days after delivery, even though I had been trying to resolve the issue with the seller during that time. I am requesting a billing dispute review and a refund because the item is unsafe and not as described.

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 2026-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: KS

Complaint narrative:
Hello, Contact XXXX XXXX regarding a matter with Security Credit Services , LLC account from XXXX XXXX XXXX. XXXX is a collection agency. Visit : XXXX XXXX XXXX Reference Number : XXXX Call : XXXX Started XX/XX/XXXX and is still ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I received a collection letter from ONLINE Information Services demanding payment of a supposed debt of {$250.00} owed to XXXX XXXX, account number XXXX, reference XXXX. On XX/XX/year>, I sent a formal dispute letter by certified mail to ONLINE Information Services requesting complete validation of the debt, including a signed contract, proof that the debt belongs to me, and a detailed breakdown, as required by the Fair Debt Collection Practices Act ( FDCPA ). I have attached the XXXX receipt as proof of mailing dated XX/XX/year>. To date, I have not received any response or documentation validating this debt. They have not provided any signed contract in my name, proof that I am the responsible party, or any other supporting documents. Important : I do not have any signed contract with ONLINE Information Services. The debt collector has failed to provide the required validation despite my timely written dispute. I request that the CFPB investigate this violation of the FDCPA, as the collector is attempting to collect on a debt without properly validating it after receiving my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MT

Complaint narrative:
I discovered that Jefferson Capital Systems , LLC is reporting a collection account for approximately {$2300.00} on my consumer credit reports. I dispute the validity and accuracy of this alleged debt. The account has been reported for approximately 3 years and 4 months and has negatively affected my credit standing. I have concerns that the debt has not been properly validated and that the information being furnished to the credit reporting agencies may be inaccurate or incomplete. I am requesting full validation of the alleged debt, including : * proof of the original creditor, * a complete accounting of the balance, * proof of assignment or ownership of the debt, * and documentation bearing my signature showing legal responsibility for the account. To date, I have not received sufficient competent evidence establishing that Jefferson Capital Systems has the legal authority to collect or continue reporting this account. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, furnishers and collectors are required to accurately report and properly verify disputed debts. If Jefferson Capital Systems can not fully validate this account, I request immediate deletion of the tradeline from all consumer reporting agencies and cessation of further inaccurate reporting. I am requesting that this matter be formally investigated and corrected.

Company response to consumer: Closed with non-monetary relief