vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Im writing to dispute the validity and accuracy of the alleged debt. I am formally requesting validation of the debt pursuant to my rights under the Fair Debt Collections Act. At this, I dispute the amount being claimed as inaccurate. In addition I would like sufficient documentation demonstrating that I am legally obligated to pay the amount you claim. As well as original term debt, you must cease all collection activities regarding this account. If you are unable to provide validation, I am requesting this account to be removed from my credit file and all collection attempts are ceased immediately. I expect you written response within 30 days of this receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I gave late payments that are not accurate and debit that is not mines

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
CFPB Complaint Draft Failure to Explain Fraud Investigation Process Subject : Wells Fargo failed to explain what their fraud investigation entails, what evidence is reviewed, or what the customer should expect. Details : At no point during my fraud dispute did Wells Fargo explain what their fraud investigation process includes or what evidence they typically review. I was not informed of : what steps a fraud investigation involves what evidence Wells Fargo normally examines what information I was expected to provide what timelines apply what rights I had during the investigation what Wells Fargos obligations were Instead, I was left to figure out the entire process on my own. Representatives provided scripted statements, inconsistent information, and no meaningful guidance. I repeatedly asked what evidence would be reviewed, whether the ATM deposit would be examined, and whether the receiving account would be investigated. I was never given clear answers. This lack of explanation directly contributed to Wells Fargos inaccurate determinations. For example, the bank never reviewed the ATM deposit I made on XX/XX/XXXX, never investigated the Wells Fargoopened account that received the stolen funds, and never fulfilled the judgesigned warrant issued to them. Had Wells Fargo explained their process, I would have known immediately that these steps were being skipped. Impact : The failure to explain the investigation process caused confusion, delays, and prevented me from understanding what information Wells Fargo needed. It also prevented me from identifying early on that key evidence was not being reviewed. This omission contributed to repeated inaccurate determinations and ongoing harm.

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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX suspicious activity was occurring in two of my PayPal credit accounts. I called and asked that my PayPal checking account be closed or frozen. I was told that my account was secure and that I just needed to change my password. I changed my password several times. I was charged on two of my credit accounts, each charge was {$4.00} from XXXX. I was refunded to the credit account and my credit card numbers were changed. On XX/XX/year>, XXXX charges posted to my PayPal checking and a total of {$84.00} was taken out. They attempted to use my back up bank card to get to my XXXX XXXX XXXX XXXX checking account but XXXX blocked the transaction as they suspected fraud. XXXX texted me and that is how I became aware of the 3rd fraudulent charges. ( First two were to my credit accounts ) As soon as I got the text from XXXX I started a claim online and then called PayPal when they opened spoke to a rep and they said my case was open and I would have to wait ten business days for a decision. My credit card cases were already handled and they found that the charges were fraudulent. Today, XX/XX/year> I went online and found out that my checking account case was closed and their decision was that I authorized the transactions. I called again and asked them to close my account. Before I was connected to an agent it asked me if I was calling about a card being added to the account. This indicates that someone is still hacking into my account as I did not request this. The agent said I had {$2.00} and I couldnt close the account unless I transferred the money. I said I would not connect any of my accounts to PayPal because it isnt safe. She said I could donate it and she would request the closure. It could take 24 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Subject : Mortgage Servicer Misrepresentation of Loss Mitigation Withdrawal and Foreclosure While Borrower Seeking FHA Assistance To Whom It May Concern, I am submitting this complaint regarding the servicing of my FHA-insured mortgage loan by Shellpoint Mortgage Servicing ( NewRez LLC ). I am currently facing a scheduled foreclosure sale date of XX/XX/2026, despite actively communicating with the servicer and requesting loss mitigation assistance due to ongoing financial hardship caused by documented medical conditions. In XX/XX/2026, I was in communication with a designated single point of contact regarding potential foreclosure alternatives. During this process, the servicer requested that I complete an opt-out form related to foreclosure alternatives. However, the form provided did not contain the appropriate election language referenced in HUD Handbook 4000.1 Section III.A.2-3. I notified my point of contact of this issue and requested clarification and a corrected form. I did not receive a response addressing this concern. Subsequently, I was informed that foreclosure proceedings had been initiated on XX/XX/2026. On XX/XX/2026, I communicated with the servicer and declined a proposed standalone FHA Partial Claim trial because the contractual payment of {$3500.00} is not affordable. In that same communication, I clearly stated that my hardship remains ongoing due to medical conditions and requested evaluation under the full FHA loss mitigation waterfall pursuant to HUD Handbook 4000.1. Despite this, the servicer later issued a determination letter dated XX/XX/2026 stating that I had either withdrawn my request for a loan modification or failed to accept the trial payment plan offered. This characterization is inaccurate. I did not withdraw my request for loss mitigation ; I declined an option that was financially unsustainable and requested review of other FHA retention options. Today I again contacted the servicer and requested a new loss mitigation review due to ongoing hardship. I was advised that my file would be reviewed within three to five business days. Given the upcoming foreclosure sale date, I am requesting regulatory review of the servicers handling of my loss mitigation request, including whether my request for FHA retention options was properly evaluated and whether the determination that I withdrew my request was appropriate under applicable servicing rules. I am seeking a fair review of sustainable loss mitigation options in accordance with FHA servicing guidelines. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: V and H Portfolio
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Complaint Against : Honda Financial Services I am submitting this complaint regarding the handling of my auto loan account for my XXXX XXXX XXXX XXXX. My vehicle was recently repossessed after I fell behind on payments due to financial hardship. I understand my responsibility for the missed payments and I have been actively trying to resolve the situation and bring my account back into good standing. I would also like to note that this is the first time I have ever experienced an issue like this. I have been a Honda customer since XXXX, during which time I have had two leases with Honda and consistently made my payments on time without issue. My prior payment history demonstrates that I have always made a good-faith effort to meet my financial obligations. When I contacted the company to discuss options, I was informed that the only way to reinstate the loan and recover my vehicle was to pay {$2400.00} in full immediately. I explained that I am willing to pay and work toward resolving the balance, but I requested the possibility of a payment arrangement or alternative solution due to my financial situation. The representatives I spoke with on XX/XX/XXXX, were not helpful and were dismissive of my attempts to find a reasonable solution. Additionally, during this call I spoke with two different representatives, and both denied my request to speak with a supervisor or manager. I was not given the opportunity to escalate the matter to someone with greater authority who may have been able to assist. I also feel that the communication leading up to the repossession was not clear or sufficient to allow me a fair opportunity to prevent the repossession. I received a voicemail stating that my vehicle was going to be repossessed, but there was no meaningful opportunity provided to resolve the issue beforehand. I am requesting that the company review my situation and work with me to establish a reasonable payment arrangement or modified reinstatement option so that I can recover my vehicle and bring my account current. I am committed to resolving this matter responsibly and simply ask for a fair opportunity to do so. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DSR HOLDINGS GROUP, LLC
State: MO

Complaint narrative:
I have asked them to stop calling XXXX parties and keep calling, when contacting me, they use intimidating language. Like they are sending someone to get me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc.
State: FL

Complaint narrative:
I have previously filed Complaint XXXX and when the mortgage company responded that the complaint was closed without anyone seeming to do anything additional. This complaint should NOT have been closed as the issue has still not been resolved- the answer is NOT sufficient. I will need someone to contact me personally on this matter. Simply because a response has been received does NOT mean this matter should be closed. The mortgage company 's response merely passes the blame to someone else. I still do not know where the money that was sent electronically from my bank to pay my mortgage is. The mortgage company 's response alleges that the third-party bill payer requested the payment be returned. I have no idea where, when, how, or to whom the payment was returned. BOTTOM LINE : MY PAYMENT IS STILL MISSING, AND NO ONE KNOWS WHERE IT IS -- WHICH WAS THE WHOLE REASON WHY THE COMPLAINT WAS SUBMITTED IN THE FIRST PLACE. We need to do better here, this is not an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
Carrington Mortgage Services failed to provide adequate notification of a missed XX/XX/XXXX mortgage payment before reporting it as 30 days late to credit bureaus, despite having my active email address and sending multiple marketing emails during the same period. I enrolled in their auto-pay system in XX/XX/XXXX. Their enrollment process has multiple confusing " final '' confirmation screens with no clear success indicator, causing the enrollment to fail without my knowledge. I discovered the issue in early XXXX when my XXXX payment didn't draft, investigated immediately, and paid the full XXXX balance plus late fees within days ( XX/XX/XXXX : {$660.00}, XX/XX/XXXX : {$700.00} ). Carrington sent XXXX email notifications about the missed payment, despite sending me XXXX marketing emails during XXXX XXXX ( attached ). They claim an auto-dialer called me, but my phone records show no incoming calls from their number - only outgoing calls I placed to them on XX/XX/XXXX and XX/XX/XXXX ( attached ). I sent a formal written dispute to their Credit Reporting Department today ( attached full package ). They have a defective auto-pay system and failed to notify me through any channel that actually reached me before reporting the delinquency. This single late mark has caused multiple credit card issuers to reduce my limits, spiking my utilization and threatening my federal security clearance required for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I called someone to report problem at XXXX and no one helped or denied the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Subject : Credit Report Dispute and Request for Investigation To Whom It May Concern, I am filing this complaint regarding inaccurate and potentially unverifiable information currently appearing on my credit report. I recently reviewed my credit report and noticed accounts that I believe require investigation and verification. The account is a credit card account being reported by Capital XXXX with the following information : Creditor : CAPITAL ONE BANK USA NA Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone Number : ( XXXX ) XXXX Account Number : XXXX XXXXXXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : {$1900.00} Credit Limit : {$2000.00} Status : Pays As Agreed Account Ownership : Authorized User This account is reporting me as an authorized user. If I am not the primary account holder or financially responsible for this debt, I request that my name be removed from the account and that the account be removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information on my credit report. I am requesting a full investigation of both accounts and written verification including : The original signed agreement or contract Documentation proving the debt belongs to me The full account and payment history Proof that the company has the legal authority to report this account If these accounts can not be properly verified, I request that they be removed from my credit report with all credit reporting agencies. A fair resolution would be the correction or deletion of any inaccurate or unverifiable information and written confirmation once the investigation has been completed. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: EAST WEST BANK
State: TX

Complaint narrative:
I mailed a check to pay tax. On XX/XX/year> I noticed through mobile banking that the check had been altered and the payee name was changed to another person. I immediately called the bank and were told to come to the bank the next day. On XX/XX/year>, I went to the bank and were told the funds had already been withdrawn. I filed a police report the same day and closed the account. It had been more than XXXX weeks since I reported the fraud. Founds have still not been returned.

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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America Credit Card # XXXX This BoA credit card is from XX/XX/year>. I paid off line of credit {$8000.00}, but they wanted me to pay {$25000.00} interest. I tried to call BoA at XXXX but they sated that they do not have too much information. I tried to stop by to BoA branch office however they Stated that they do not have information because the Credit Card # XXXX is old 9 years. Finally, XXXX XXXX XXXX XXXX is trying to collect {$25000.00} interest from Bank of America.

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 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Theyve added to my credit an already disputed and removed fraudulent account seemingly around the time of tax return season. Its my accusation that they did so to get a quick payment and essentially extort me at a time of needing to sign a new lease. Ive called to dispute this and theyve acknowledged it is a duplicate account Ive disputed under the pretense of it being a fraudulent account with receipts and theyve refused to remove it.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. XXXX v XXXX MD XXXX XXXX XXXX XXXX. I may Presume that no proof of the alleged XXXX, nor therefore any such debt in fact exists. XXXX ( c ) you have violated my right by in lawful communication please remove this collection off my credit report. Because it is unauthorized XXXX by law, they need permissions XXXX put things on my credit report FCRA Section XXXX. According XXXX FCRA XXXX XXXX it is illegal XXXX report anything on my credit report without my permission please remove this negative items. Thank you

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I got a message on my USAA mobile app at XXXX pm on XX/XX/XXXX that they were closing my account. At that time my account went into credit only and I couldnt withdraw or move any funds. The next day my VA compensation was deposited and I cant access it to pay any of my bills. I have all of my bills now past due and {$5000.00} sitting in that account that they wont allow me access to. Every time I have called they said there is nothing they can do and nobody knows the reason for the account being closed.

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