vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
I keep getting phone calls ajd voicemails from a number to collect a debt from somebody named XXXX XXXX who I don't know, and who probably gave them my number thinking it was a fake. The caller ID said Radius Global Solutions. They keep calling from different numbers and i've blocked so many theyve been doing it for years.

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 2026-05-27 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
First, I did not know that assistance provided during XXXX time was counted as a modification. Now, Wells Fargo is telling me they counted it. We began struggling with our mortgage when our parents had severe medical issues. We needed to assist them financially. We fell behind and I missed the start of a repayment plan by XXXX month, then WF would not assist. They had me send paperwork many, many times to home preservation. Giving confusing answers from we do not make enough money to we have had too many modifications. I missed the payment plan as my husband also had to go in to XXXX. I provided all of this documentation to WF. I have done at least XXXX requests for home preservation. I called and called r4equesting help. I made XXXX payments in 2 months during XXXX, then they refused to take my payments. I called and called, again receiving many different answers. I filed many many complaints with the XXXX XXXX XXXX Wells Fargo, all turning out the say, stating WF did nothing wrong. I was told I was in foreclosure over the phone, never receiving the XXXX XXXX notice. I then requested a copy. This was dated for last XXXX. I was told by XXXX of their own representative that I had XXXX modification left as WF should not be counting any assistance given during XXXX. I was able to make XXXX payments during XXXX then unable to make payments. I told WF reps over and over that we were able to catch up and demonstrated so with the extra payments made. I believe WF purposely did not send documentation and paperwork concerning the foreclosure, as well as ignored my request and questioning why the covid assistance was used as a modification. I have many names and times of when I spoke with WF representatives. I have also requested phone records, as I received so many conflicting answers when I was trying to catch up my mortgage. WF refuses to give the documentation. I believe WF has been deceitful as well as not followed the PA foreclosure law. WF has caused my husband and I much additional stress and emotional upset for at least 7 months. I still am requesting documentation and they are not providing.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I reserved a return ticket on XXXX XXXX from XXXX XXXX to XXXX XXXX with a payment plan through Affirm, a California Corporation based in XXXX XXXX. I read the terms of the contract carefully which stated that I could have free cancellation until XXXX XXXX local time. I did cancel within the time limit. I spoke to XXXX and got a confirmation of cancellation of XXXX in the amount of {$1700.00} On XX/XX/year> I got confirmation that a refund was processed for {$1700.00} Since that time I got an email Evidence Requested {$140.00}. I called the CS line and spoke to someone offshore. I could tell by the accent. No result. Subsequently I continue to get emails starting with Dispute Resolved I am responsible for payment, that I owe past due amounts from {$140.00} to the most recent {$140.00} on XX/XX/year>. In my attempts to resolve I spoke to Affirms Customer Service, even asked for a Supervisor. Zero result. Then I have twice emailed the CEO of Affirm XXXX XXXX with zero result. In short I do not owe this company any money and I do not want my FICO to be negatively affected. It is in the mid XXXX. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I moved into XXXX XXXX ( now known as XXXX ) on XX/XX/XXXX of 2024. There was no pet fees, no deposit. I was there til XXXX of 2024. During this time I faced no working heat the whole winter, roaches cover the ceiling from head to toe. Homeless sleeping in the laundry room. Homeless XXXX in the hallways. During XXXX, on the XXXX. My apartment was violently broken into by the XXXX people who lived below me as well as my car being shot up by the same people. When the cops arrived they announced, with the manager present from XXXX that I was unsafe to stay here and I needed a hotel I speak with the manager she explains she is sorry but there is no cameras and I should invest in a XXXX. I explain to her all I have for hotel money is my rent money. We agree on a verbal agreement that it is okay for me to use that money to book a hotel for that month. I come back a week later and there is an eviction notice on the door with XXXX men throwing all my things outside on top of my dog sitting there terrified locked in a cage being thrown around and screamed at by these men. The manager was no where to be found. She finally arrived XXXX hours later as Im sitting outside with my things. I ask her how is that even possible or fair .she claims its Colorado law to be evicted if rent isnt paid I asked about the verbal agreement we had she said if you get your things and leave today Ill remove the eviction and there will be no payments My door was never fixed even when I arrived back. I took that offer and headed back to Texas where I moved into XXXX XXXX XXXX. 3 months later national credit systems payment was added to my credit where they added ( removement of items even though i was not allowed back into the unit, charge me maintenance fee of {$300.00} for my door that was broken into, they charge me another {$300.00} for paint even though I was not in the unit, they also tried to charge me for the the tub that was not anything to do with me for {$200.00}. If there is still possibility of suing them I would like to take the next step. They also threw away my birth certificate and social security when they would not let me in the building for my things. From that point forward I was homeless with no job due to the fact that they waited until I left to add a eviction. The amount they tried to get was completely inaccurate, When I looked at balances it was showing they tried to charge me {$3000.00} for 1 month of rent when it was {$1000.00} per month. They tried to charge {$1100.00}. Their numbers are completely wrong! Ive tried to contact and get ahold of them but nobody will call me back! This is completely unfair. The amounts added dont even make sense. Ive asked them to explain and still received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: IL

Complaint narrative:
Dear FCSB/Nelnet Support, I am writing to respectfully request a goodwill adjustment regarding the late payments recently reported on my student loan account. The missed payments occurred during my transition out of school after graduating in XXXX. During the spring semester, I was enrolled part-time, which caused confusion regarding when my repayment period and grace period would begin. I genuinely believed I still had a six-month grace period before payments were due. Additionally, I was specifically monitoring for postal mail notifications regarding repayment because that had been my prior experience. I later learned that my account had been automatically enrolled in eCorrespondence, which I did not fully realize at the time. I do not believe I was properly given notice of this. Given the importance of student loan repayment notices, automatic enrollment into electronic correspondence can easily create confusion for borrowers who are expecting physical mail communications. My brother and parents received physical mail about their student loans, and were expecting the same as well for me. There also appears to have been inconsistency regarding how notices were sent. In my initial complaint response, I was informed that notices had been mailed physically, ( postal mail ) but a later response clarified that communication had actually been sent electronically. This added further confusion regarding whether proper mail notifications had been sent. As soon as I became aware of the issue, I immediately brought the account current and have every intention of maintaining a strong payment history moving forward. I take my financial responsibilities seriously, and these late payments do not reflect my normal payment behavior. Given the circumstances surrounding my graduation transition, enrollment status confusion, automatic eCorrespondence enrollment, and conflicting communication explanations, I respectfully ask that you consider a goodwill adjustment to remove or reduce the reported late payments as a courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: FL

Complaint narrative:
I have been repaying my student loans since approximately XXXX. The loans were originally serviced by XXXX and were later transferred to MOHELA. Despite making payments for many years, my loan balance has continued to grow due to excessive interest accrual and capitalization. I have paid amounts that exceed the original principal balance, yet the total amount owed has significantly increased instead of decreased. I have experienced prolonged financial hardship and unemployment and attempted to work with the servicer to obtain affordable repayment options and hardship assistance. I requested assistance with Income-Driven Repayment ( IDR ), forbearance, and other relief options due to my inability to maintain payments while unemployed. However, I was not provided meaningful assistance or reasonable accommodations. My account eventually became more than XXXX days delinquent. I attempted to resolve the delinquency and requested that the negative reporting be removed or corrected if I brought the account current and re-entered an IDR plan. MOHELA informed me that even if I paid the past-due balance and resumed repayment, the XXXX late reporting would remain on my credit reports. The negative credit reporting has severely harmed my credit score, financial stability, and ability to qualify for housing, financing, and employment opportunities. Some employers review credit history during hiring decisions, and the reporting has negatively impacted my professional opportunities during a period of financial hardship.I believe the loan servicing practices have been unfair and harmful. I am requesting : A full audit and review of my payment and interest history ; Review of excessive interest accrual and capitalization practices ; Review of servicing conduct related to hardship assistance and IDR options ; Consideration for removal or correction of negative credit reporting related to this hardship period ; Any additional relief available due to long-term repayment, financial hardship, and servicing concerns. I am seeking a fair resolution and meaningful review of the handling of my student loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: MI

Complaint narrative:
I took this dispute up with the reporting credit bureaurs that are reporting this fraudlent identity theft account. On XX/XX/year> I sent in my FTC and letter to bureaus for the amount of {$270.00} on a collection that I have nember done business with. this is violating consumer rights on FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-05-27 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: Fay Servicing, LLC
State: IN

Complaint narrative:
Our loan was sold from XXXX XXXX to Fay servicing, and they have terrible customer service and communication methods. They have no email address to document our conversations. We have tried to work with them to catch up but they don't give us options. They also have a record of complaints regarding foreclosure proceedings, and we are worried about losing our home. We have an FHA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XX/XX/XXXX an unauthorized purchase was used on my XXXX account for {$26000.00} for virtual coins. I immediately notified XXXX PayPal and my bank. The bank stopped the payment. XXXX agreed to issue a refund to original form of payment took back goods. PayPal has been little to no help reverting me to the other XXXX agencies. PayPal processed the payment even though the bank declined it and now I owe {$26000.00} to a PayPal balance. XXXX never issued the refund as promised and PayPal continues to side with XXXX who says they issued it. My bank never got a refund nor did PayPal. PayPal also isn't honoring buyer protection on this as it was an unauthorized purchase. I am not sure why they would process a payment like that anyways as it would be deemed suspicious to any financial institution. I've been dealing with this for over a month and each business just keeps blaming the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE INQUIRIES DO NOT REFLECT AUTHORIZED CREDIT ACTIVITY. I DID NOT PROVIDE CONSENT FOR THEM. I AM FORMALLY DISPUTING THESE ITEMS AND REQUEST A THOROUGH INVESTIGATION. IF THEY CAN NOT BE PROPERLY VERIFIED, THEY MUST BE REMOVED IMMEDIATELY.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
Subject : Loss of benefits due to XXXX XXXX XXXX XXXX Complaint Details : I am a long-term holder of the legacy XXXX XXXX XXXX XXXX XXXX XXXX A core benefit of this card is a XXXX points multiplier on purchases made at XXXX properties. On XX/XX/XXXX, I checked into the XXXX XXXX XXXX XXXX XXXX. The total for my stay ( covering XXXX rooms ) was {$600.00}. I attempted to pay for this balance at the front desk by tapping my XXXX XXXX XXXX via XXXX XXXX. The transaction was repeatedly blocked/declined due to a backend technical error, token desync, or fraud alert triggered by Chase 's systems. Because Chase 's payment gateway failed, I was forced to use an alternate payment method to secure my rooms. Because of this technical failure on Chase 's end, I was prevented from utilizing my card 's stated benefits, resulting in a loss of XXXX XXXX XXXX points ( XXXX multiplier on {$600.00} ). I contacted customer service on XX/XX/XXXX, but supervisors refused to manually credit the points lost due to their system 's error. I am filing this formal complaint because Chase 's inadequate fraud notification system and inflexible customer service policies have resulted in the denial of contractually promised credit card benefits. During a recent hotel check-in, my card was declined due to an automated security block. While Chase claims a fraud alert was generated, no such notification was ever delivered to my email inbox at the time of the transaction. This communication failure left me completely unable to verify the charge, causing significant stress and inconvenience while traveling. Because I was forced to use an alternate payment method to resolve the immediate situation, I lost out on advertised loyalty multipliers. Chases subsequent refusal to provide administrative recourseeffectively penalizing me for their own system 's failure to properly deliver a security alertconstitutes an unfair, bad-faith business practice that shortchanges cardholders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 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: TX

Complaint narrative:
My XXXX funds of XXXX have been frozen since XX/XX/2026. Ive contacted them daily for a month with no response. The live agent said I would receive an email from XXXX within 7 days. Have not heard anything. Thats was XX/XX/XXXX. The help app sends you into a never ending loop without resolution and the Company will not respond or release my money on the app.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
We began the refinance process with XXXX XXXXRound Point on XX/XX/XXXX. During the process, our Loan Advisor, XXXX XXXX, repeatedly advised us that we would not need to make our mortgage payments for XXXX and XXXX because the refinance was expected to close before those payments became necessary. Based on this guidance, we did not make our XXXX payment as instructed. At no point were we advised that we should set aside those funds in the event of delays or complications in the refinance process. By the end of XXXX, we were informed that closing was not yet ready to occur and that we needed to make the XXXX payment after all. We had to quickly gather the funds in order to make the payment, which resulted in a late fee being assessed. In XXXX, we were again assured that a payment would likely not be necessary because the refinance was expected to close by the end of the month and that the XXXX and XXXX payments would effectively be covered through the refinance process. We delayed payment based on this information and ultimately had to make the payment on the final day we were told closing would occur, resulting in another late fee. The same situation occurred again in XXXX. We were repeatedly told that everything remained on track and that the only remaining item was final approval from title. Based on those assurances, we waited until the last possible day before making the payment, once again incurring a late fee. Throughout this process, XXXX XXXX repeatedly assured me that the late fees would be taken care of on our end and that I did not need to be concerned about paying them. Then, on XX/XX/XXXX, I was informed that the refinance could not move forward because there was insufficient equity in the home. Since receiving that information, I have attempted to seek assistance and resolution regarding this matter. Unfortunately, the only responses I have received suggest that nothing can be done. I do not believe this adequately addresses the situation, particularly considering the repeated inaccurate guidance, misleading assurances, and omitted information provided throughout the refinance process. I am requesting that the company take responsibility for the impact caused by the advice and actions of its employee by assisting in correcting these issues. Specifically, I am requesting : Removal of the late fees and late payment reporting from our payment history A two-month payment grace period to allow us time to recover financially from this situation The financial hardship and negative impact we experienced were a direct result of the repeated guidance and assurances provided by our loan advisor. I respectfully request that this matter be reviewed carefully and resolved appropriately. Thank you for your time and attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation