vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a credit card account with Bank of America that recently fell behind. I am now in a position to bring the account back to good standing and contacted Bank of America to request the removal of the most recent late fees, totaling {$110.00}. 

I have been a customer of Bank of America for XXXX  years and have generally maintained my accounts in good standing over that time. The late fees assessed are {$39.00} per month, and the account became XXXX months past due. I will be bringing the account fully current this week with a payment of {$1500.00}. 

Despite my long-standing relationship with the bank and my willingness to immediately resolve the delinquency, my request for a goodwill adjustment was denied on the basis that I was not eligible. No alternative accommodation or partial fee reversal was offered. 

I find it disappointing that, after many years as a loyal customer and while making a substantial payment to restore the account to good standing, Bank of America was unwilling to remove even a single late fee. I believe a reasonable goodwill adjustment would have been appropriate under these circumstances.

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 monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I'm writing about aspire credit card company. I called them XX/XX/year> around XXXX and told them i'm having a financial hardship right now.They basically tell me they couldn't help me.My interest rate is fixed already.They have my interest rate at XXXX XXXX point XXXX XXXX.Which wasn't that even when I signed up with him? Along with that, they charged a fifteen dollar a month maintenance fee. The lady told me her hands were tied and she couldn't help me. I said that's crazy after I make all my payments on time and been to loyal customer.Also that XXXX dollar a month, maintenance fee wasn't part of the plan.When I signed up with the card services, they threw that on me.A few months down the road. Their address is card services XXXX XXXX XXXX XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Re : Debt Validation Request To Whom It May Concern, I am writing in response to a collection account that your company has reported on my credit report. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide documentation proving that I am legally obligated to pay this debt, including but not limited to : The name and address of the original creditor The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, or charges Copies of any contract, agreement, or application bearing my signature that establishes my liability Proof that your agency is authorized to collect this debt The date of the alleged delinquency and the date the account was last active Proof that the statute of limitations has not expired Until such validation is provided, I request that all collection activity cease and that this account not be reported or continue to be reported to any consumer reporting agency. If the debt can not be properly validated, I request that the account be removed from my credit reports immediately. 

This request is not an admission of liability, nor is it a refusal to pay. It is a request for verification as allowed by federal law. 

Please provide the requested information in writing. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Please I am begging you Venmo to grant me access to my original username XXXX. 

Its on a suspended account. The account is suspended because I failed to provide a state ID and had another account active during that time. 

I now have the proper identifications and documents. Please Venmo, I am begging you. I would like to switch my direct deposits to Venmo but I need my original username XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Steel River Systems, LLC
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to STEEL RIVER SYSTEMS , LLC. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect STEEL RIVER SYSTEMS , LLC to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to STEEL RIVER SYSTEMS , LLC.

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 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I went to a XXXX XXXX location and was given service. The final invoice did not match the service provided, and I was told I had to make payment at time to get my keys back. I attempted to resolve with the XXXX on duty but was not able to. 

I called Capital One once the charge posted the next day and began a dispute resolution.

Since then it has been over the 90 day timeline for Regulation E, and they have reversed the credit provided to my account causing an overdraft. Because of this, I have extensive concerns about my finances. 

I have called on 4 separate occurrences with no resolution including today. I was unable to review

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: HF Holdings
State: NY

Complaint narrative:
In past years, I was in the military service. While I was on XXXX XXXX orders, XXXX XXXX XXXX terminated my education in their establishment and proceeded to charge me for the XXXX XXXX that was unpaid for the semester despite providing undeniable proof of my military obligation. This was handled through the military as far as I was told and no one has contacted me about this matter since. My XXXX  was contacted today by a representative from HF Holdings and when my husband informed them that he was not me, he was called a liar and the representative pulled up my criminal record to intimidate and harass my husband into falsely admitting he was me and an illegal tactic to collect this debt. He was called abusive names in reference to myself and its extremely unethical and immoral for anyone, for any reason to be spoken to in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I attempted to purchase XXXX XXXX tickets through PayPal using the Pay Later / XXXX financing option. When I completed the purchase, the PayPal screen clearly showed the transaction as DECLINED. Because it was declined, I reasonably assumed the purchase had failed. 

Instead of honoring the financing plan I selected, PayPal attempted to force the charge through by splitting the purchase into XXXX separate charges of approximately {$1200.00} each, all processed at the same moment. I never authorized XXXX separate charges. I authorized only XXXX financed transaction under the promotional XXXX plan. 

I did not receive any confirmation email, receipt, itinerary, or e-ticket from PayPal or XXXX XXXX. The airline later informed me that they sent the ticket information to an old and inactive email address unrelated to the email used for the PayPal transaction. Because the payment appeared as declined, I had no reason to expect any ticket or further action. 

Days later, my debit card was unexpectedly declined. When I checked my bank account, it was overdrawn by nearly {$5000.00} because PayPal had attempted to process the XXXX unauthorized charges. When I tried to dispute the issue in the PayPal app, the system would not allow me to file a claim until the charges cleared. After they cleared, I submitted the dispute, but PayPal denied all XXXX claims individually. 

PayPal is now attempting to collect almost {$5000.00} for charges I never authorized and for a service I never received. I am requesting CFPB assistance because PayPal failed to apply the financing option, processed multiple unauthorized transactions, caused a significant overdraft, denied my disputes, and is now threatening to send this to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Transworld Systems Inc.

Attn : Compliance Department To Whom It May Concern, This letter serves as formal notice to CEASE AND DESIST all collection activity, communication, and credit reporting by Transworld Systems Inc. related to the alleged account referenced above.

Fair Credit Reporting Act ( FCRA ) Violations Pursuant to 15 U.S.C. 1681, Section 602, Congress affirms that consumers have a right to privacy, and that consumer reporting agencies and furnishers must conduct their operations in a manner that is fair, accurate, and respectful of that right.

Further, under 15 U.S.C. 1681b ( Section 604 ), subsection ( a ) ( 2 ), a consumer report may be furnished only with the consumers written instructions or for a purpose explicitly authorized by law.

I have never provided written authorization, consent, or instruction permitting Transworld Systems Inc. to report, furnish, or disclose any alleged account information to any consumer reporting agency.

Any continued reporting or furnishing of this alleged account by Transworld Systems Inc. constitutes an unauthorized invasion of privacy and non-compliance with the Fair Credit Reporting Act, exposing your company to civil liability under 15 U.S.C. 1681n and 1681o.

Fair Debt Collection Practices Act ( FDCPA ) Notice Additionally, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, this letter constitutes a formal cease communication notice.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, the debt collector must stop all further communication, except to : 1. Advise that collection efforts are terminated, or 2. Notify the consumer of specific legal action being taken Any continued collection activity by Transworld Systems Inc. may also violate : 15 U.S.C. 1692d Harassment or abuse 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692f Unfair or unconscionable collection practices Demand for Immediate Compliance You are hereby directed to : 1. Immediately cease and desist all collection efforts and communications 2. Cease furnishing or reporting any information regarding this alleged account 3. Delete and remove all information furnished to any consumer reporting agency 4. Provide written confirmation within 15 days that you have complied with these demands Failure to comply will result in enforcement of my rights, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General, and pursuit of civil remedies under 15 U.S.C. 1681 and 1692, without further notice.

This letter is not a refusal to pay, but a lawful demand for statutory compliance.

Governing Law : 15 U.S.C. 1681 et seq. ( FCRA ) 15 U.S.C. 1692 et seq. ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX or so I was paying bills and I saw that there were a bunch of strange transactions on my PayPal account. I called PayPal and put a freeze on my account and it dispute on the transactions. A couple days later I received a letter from TransUnion saying I was involved in a data breach that included my social security number plus a lot of other information. I have had a PayPal account over 13 years so I was believing that this was related. PayPal never contacted me but said that they didn't investigation and found against me. I do not not understand how this could happen because I did not make these transactions that they say are related to cryptocurrency. I have never got my money back. I know for a fact that I did not do these transactions. I don't know how someone can go in my account and do unauthorized transactions and me be held responsible for them. If this is how things are then people will have to put their money under their mattress. I am requesting help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage loan has been transferred between servicers multiple times. Since the beginning of the loan and for all prior years, I have always paid property taxes directly, while the escrow account has been used only for insurance.

After the servicing transfer to Shellpoint Mortgage Servicing, the company reported an incorrect escrow shortage and demanded {$9100.00}, despite the fact that my actual escrow-related payments total approximately {$4900.00}. This shortage was created due to Shellpoints failure to properly review the loans prior servicing history and account for taxes I paid directly. 
On XX/XX/year>, I contacted Shellpoint and was instructed to submit proof of my property tax payments. On XX/XX/year>, I provided complete documentation showing that I paid property taxes directly. Despite this, Shellpoint failed to correct the escrow balance. 
On XXXX XXXX XXXX, I received an updated billing statement again demanding {$9100.00}, with no correction applied. On XX/XX/year>, I contacted Shellpoint again and was instructed to resend all documentation by email, which I did. 
Since then, I have contacted Shellpoint at least four additional times, including speaking with supervisors. Shellpoint has stated that they allegedly paid the property taxes themselves and are now waiting for a refund from XXXX XXXX. This explanation has been repeated for over one month, yet no refund has been received, no escrow correction has been made, and no overpayment has been returned to me.

Regardless of any refund Shellpoint claims to be waiting for, property taxes were never intended to be paid through escrow, and any duplicate or mistaken tax payment made by the servicer is the result of their own error. Shellpoint continues to retain more than {$4000.00} of my funds, has placed my escrow account into a negative balance due to their mistake, and continues to demand inflated and incorrect escrow payments.

Despite repeated notice and full documentation, Shellpoint has failed to provide a proper escrow analysis, failed to reconcile the duplicate tax payment issue, and failed to refund the overcharged funds. This constitutes improper escrow accounting, failure to correct a known servicing error, and unlawful retention of borrower funds.

As of the most recent billing update, Shellpoint has changed the demanded escrow amount to {$6400.00}, which remains incorrect and unsupported by any valid escrow analysis. Despite this change, my escrow account continues to show a negative balance of {$15000.00} as of today. No explanation has been provided
for these changing figures, and the underlying escrow error has still not been corrected.

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 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
The property management company incorrectly entered my lease end date in their system as XX/XX/year>, when my lease contract clearly ended on XX/XX/year>. Management later acknowledged this error in writing and confirmed the system was corrected via email. Month-to-month charges and late fees were improperly assessed due to this internal error. The property manager confirmed in writing that the month-to-month fee and late fees would be waived and adjusted. I provided proper move-out notice and paid my XXXX rent. The balance being reported to Rent Recovery Solutions reflects charges that were acknowledged as incorrect and subject to removal. I never received a required written security deposit claim notice within 30 days of move-out as required under Florida Statute 83.49. I also never received a final move-out accounting statement. Because the furnisher acknowledged internal errors and pending adjustments, the amount placed with the collection agency does not accurately reflect a final, verified balance. The manage for XXXX at the time was responsible for making the proper adjustments and completing my rental verification for my new apartment complex " XXXX XXXX XXXX XXXX XXXXXXXX ''. All of our communications were documented via email which I will also provide. I will also provide the itemized break down of the collection charges provided to me by Rent Recovery Solutions.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was a victim of fraud and theft by deception.

I sent {$300.00} through Chime to purchase concert tickets that were never delivered.

After receiving the payment, the recipient blocked all contact and deleted the social media account used for communication.

I contacted Chime immediately, but they denied reimbursement.

I have filed a police report with the XXXX XXXX XXXX XXXX ( Incident # XXXX ), an FBI IC3 complaint, and a fraud report with the Federal Trade Commission ( FTC ).

I am requesting a formal review of Chimes handling of this fraud case and reconsideration of reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I wS checking my credit score and I haven't been doing nothing for it too drop

Company response to consumer: Closed with explanation