vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX, opened a line of credit with XXXX on XX/XX/2025, XXXX when I received confirmation that the new credit line was open on XXXX  called XXXX XXXX XXXX with documents telling me that we were issued a XXXX XXXX XXXX  . This was when they introduced XXXX, XXXX. XXXX XXXX. They told me to be aware of another email giving me instructions for setting up the account. XXXX XXXX and I were on numerous call trying to activate the card to no avail. This occured over a couple of months. Here is an email from XXXX XXXX : Hey XXXX! Give me a call tomorrow when you can but I got a message about your account.

Basically we need you to delete the two virtual cards that are in your account and recreate them. Something is happening that isn't supposed to. I can explain more tomorrow on the phone : ) The emails came but we were never able to activate the account. We tried numerous times to contact the company after those calls and let them know but to no avail. XX/XX/XXXX was the last contact with XXXX XXXX. 

On XX/XX/XXXX I receive a notice to pay the outstanding balance on the account of {$1800.00} that is 4 days past due. I have no way to contact the company and no way to verify the charges as I don't have access to the account. I forgot about the account because I never activated it there was no reason to worry until i started getting hassled by collections and multiple people at Caine & Weiner. 

On XX/XX/2025 the XXXX account was canceled. On XX/XX/XXXX, XXXX XXXX from Caine & Weiner sends me an invoice for charges and my contract. Note we opened this account under our company XXXX XXXX. Invoice simply gave us the total owed, not the actual charges. 

On XX/XX/2025 XXXX XXXX finally send me the invoice with charges and we see one invoice for {$10.00} to XXXX XXXX XXXX from XX/XX/2025, 5 days before we were notified that the account was open on XX/XX/XXXX, XXXX then another 83 transactions to a Company named XXXX, XXXX for {$21.00} each between XX/XX/XXXX - XX/XX/XXXX, sometime charged 10 times a day. Remember I don't have access to this account so i have no way of knowing these charges are occuring. This is the responsibility of the program to monitor multiple transactions like this as fraud.

As we mentioned earlier we attempted to no avail to contact XXXX but because we never activated the account and we closed it back in XXXX we never had contact with XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: TX

Complaint narrative:
am disputing a telecommunications debt being collected on behalf of XXXX. I contacted the collection agency to request an explanation and verification of the balance, including how the amount was calculated and what charges it represents. Despite my request, the company did not provide a clear or itemized explanation of the balance or documentation supporting the amount owed. 

I attempted to resolve this directly by asking why the balance was what it is, but I did not receive the requested information. The collector continues to attempt collection without adequately explaining or substantiating the debt. I am requesting that the company provide proper verification and a detailed explanation of the balance, or cease collection if they can not substantiate the amount. 

I previously sent a written cease-and-desist notice to the company ( XXXX ) instructing them to stop contacting third parties regarding this alleged account. Despite this notice, the company continued to contact a third party who is not a party to the contract and has no legal obligation for the debt. 

These contacts occurred after the cease-and-desist was sent and caused distress and interference with that third party. I am requesting that the company be required to cease all third-party contact, correct their records, and confirm compliance in writing. 


The collector also contacted a third party who is not a party to the contract. That individual did not sign the agreement and is not legally responsible for the debt. The contact was not limited to location information.i have included the picture of thier contact

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Since XX/XX/year> PayPal has limited my account and has not given me any reason other than their rules. Although they tell me reasons why they hold funds, but I have done either of them.

They are holding my money for 180 days as told by PayPal.

I have contacted PayPal several times about this and they just keep telling me they can't release my digital or PayPal savings to me, and I must wait 180 days.

They mention reasons for holding money.... ( cash backs to pay for returns for items sold on the internet using PayPal. ) I have done no selling on the internet by myself or through PayPal they have no reason to be holding my money for cash backs or any other reasons.

I have a large amount of money under three digits and it is put me through financial stress and beyond as I speak.

I've have saved emails and chats through the PayPal app, although the phone calls that are recorded through PayPal are in their possessions.

In small research I have seen that PayPal has caused problems for others just as well as me.

If there's complaint like this over any financial institution it should be addressed very strongly as if it was XXXX XXXX  XXXX or XXXX XXXX. 
These Bank names are for example only. 
If any financial " holdings '' company that holds your money they better have reasons with absolute proof in writing within the maximum of 3 days.

It has been over a month and PayPal has not come up with sufficient evidence and reasons why they are holding my money, and continue to do so for 180 days.

A company like this needs to be spotlighted in the media and with penalties not just cautions. 

My situation started back in XX/XX/year> and it is still ongoing XX/XX/year>.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: WI

Complaint narrative:
Continued calls after written cease-and-desist ( FDCPA 15 U.S.C. 1692c ( c ) ) On XX/XX/year> at XXXX XXXX, my written cease-and-desist request to XXXX  XXXX  XXXX  was delivered and received ( USPS delivered to XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. After XXXX received this notice, I still received collection calls from XXXX identified as XXXXXXXX XXXX XXXX, including on XX/XX/year> at XXXX XXXX  and XX/XX/year> at XXXX XXXX. Under FDCPA 15 U.S.C. 1692c ( c ), after receiving a written request to cease communications, a debt collector must stop further communications except limited notices. I am requesting that XXXX XXXX XXXX  immediately stop all telephone contact and communicate only in writing, and that regulators review these post-receipt calls as violations.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Credence Resource Management added a collection to my credit report but did not send me a notice to dispute owing any debt prior to adding it to my consumer file. I take this as a violation of my consumer rights. You are required to send a debt validation notice 30 days prior to adding any debt to a consumer 's credit file. I dispute owing any debt especially to Credence Resource Management. It is unfortunate that your entity added this collection to my report in the middle of me purchasing my first home because I am not going to sue your company. I will be filing a lawsuit in small claims court seeking damages in the amount of {$1500.00}. My email is XXXX and my cell is XXXX this is provided for settlement negotiations only. Not to place my personal contact information in your database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello. There was previously a fraudulent check deposited into my fifth third account about 3-4 years ago which led to the account being closed and now I am unable to open a bank account anywhere still even though I did not make the deposit. I have gone though check systems they told me theres nothing on there preventing me from opening a new account. I recently tried to open a XXXX XXXX and they denied it. I need to understand why I cant open account then I need to know how to get this taken care of so I can move on and open a new account. What do I need to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I tried extending my due dates by phone and email because the change due date button in my sign in is grey and won't click. I was told it can be reset by emailing this particular email address which I did. The responses I get back from the email seem generated. I had a voice-mail but when calling that number I'm given the same run around. 

I'm starting to question why a XXXX loan I received in XX/XX/XXXX still has XXXX left if I've been paying XXXX a month since XX/XX/XXXX. To date I've paid {$1500.00} and I still have to pay XXXX a month until XX/XX/XXXX. Something isn't adding up here!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I tried to file disputes with NFCU, when I had disputes with companies that I clearly do business with. The NFCU reps would always put it in as fraud. I even argued with one representative and told them that it's not fraud, im disputing a charge.

Then I noticed that they started listing the cards that were being replaced due to them always claiming fraud.

I told NFCU, that my identity was stolen. I even put in a name correction on my account back in XXXX. Here we are in XXXX and it was done. However, I am still being unfairly treated. They've suspended my card privileges due to me being targeted and the reps always entering fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Hello I bought a vehicule XX/XX/XXXX, an XXXX XXXX from a dealer. the sales was {$27000.00}, I provided {$10000.00} deposit and get a loan from GM Financials. I lost my job three months after and could not made the monthly payment. My car was repossessed and GM is inquiring {$6600.00}. I was not provided any visibility through the process nor received any documentation for the sales of the car. In Summary, for XXXX XXXX XXXX sales {$27.00} XXXX, I paid XXXX down payment, and XXXX monthly payments and requesting {$6200.00}. Not sure how they value back the car and why i was not offered a buy out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: VA

Complaint narrative:
DEBT VALIDATION LETTER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX RE : Validation for Account No. [ XXXX ] To Whom it XXXX Concern, This letter is in response to your contact email on XX/XX/year> at XXXX about alleged Debt for XXXX Credit you have identified. this is neither an acknowledgement of debt nor refusal to pay, but a notice to request validation. 


Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 


Please provide the following alleged information to me within ( 30 ) days from receipt of this letter. 
* Creditors Name and Full Address * Name of Debtor of Record * Full Account number * Amount of Debt * Due Date * Original Charge off or Delinquency Date * Explanation of how the Debt was calculated * Evidence that the Debt is within State 's applicable Statute of limitation * Name of Collection Agency or Owner of Debt, If applicable * Amount Paid if Debt was Purchased * Complete and Executed Agreement, including XXXX XXXX, for the Debt Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Company involved XXXX XXXX XXXX XXXX XXXX FL ( a XXXX XXXX XXXX I stayed at this XXXX XXXX XXXX XXXX, XXXX FL for 10 years and 2 months ( from XX/XX/XXXX to XX/XX/XXXX ) and as per the move in records, the bath tub already had dirty spots and the XXXX XXXX XXXXXXXX lease office put a patch to cover those dirty spots. When we moved out recently after staying there for 10+ years, we are sent a move out bill of {$880.00} for painting the bath tub and also other fraudulent charges for minor wear and tear, especially when there was no renovation or clean up that was performed inside the apartment for 10+ years we stayed there. We were also sent bill for odor neautralizing where there was no evidence provided for that. Also even though we asked the lease office to visit for move out inspection, the inspection was not performed in our presence. There is no transparency in move out inspection process and it is performed separately by lease office WITHOUT INVOLVING tenants. And this is not just with us. The XXXX XXXX  XXXX lease office has charged similar erroneous fraudulent move out charges to many other tenants. The XXXX reviews of the property sheds the light on that. When we visited the lease office to discuss the charges, the lease office arrogantly boasted about charging more and did not talk about specifics of the charges. There was also leakage inside the apartment during rainy season and my maintenance requests are proof of that and even after that, the lease office has posted dry wall painting charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: SC

Complaint narrative:
I am submitting this complaint regarding Lendmark Financial Services for failure to provide written communication and follow up regarding a hardship review request. 

I previously contacted Lendmark Financial Services to request consideration for a hardship review related to my loan account. During that communication, I explained my financial situation and requested that any updates, decisions, or documentation regarding my hardship request be provided in writing by mail. 

It has now been several weeks, and I have not received any written correspondence, decision notice, or documentation regarding the status of my hardship review. Despite my request for written communication, no mailed response has been provided. 
At this time, I am seeking : Written confirmation of the status of my hardship review Any decisions made regarding my request Written documentation outlining available options or next steps I am submitting this complaint to request assistance in obtaining proper written communication and clarification regarding my hardship request, and to ensure the company complies with reasonable consumer communication standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am not sure what company portfolio is but I have been receiving phone calls and emails and some mail for a debt I do not owe. On my credit report it, it was opened XX/XX/year> but my credit was not good enough to get any credit at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received an email on XX/XX/year> from XXXX XXXX  congratulating me on my new credit card. This was odd since I never applied for a new credit card with XXXX XXXX  let alone even heard of XXXX XXXX. I assumed it was a spam email, however, I later received a XXXX credit card in the mail a few days later. On XX/XX/year>, I was able to contact XXXX XXXX and inform them that the new credit card I had received was not applied for by myself. XXXX XXXX  was able to successfully close the fraudulent account and remove the account from my credit report. However, the credit inquiry associated with this fraudulent credit card and account that was created using my information can still be found on my credit report with Transunion.

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 2025-12-30 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was the victim of an Employer Impersonation Scam. I was coerced into buying {$800.00} in gift cards. 

Wells Fargo flagged the transaction ( proof they knew it was risky ) but allowed it to proceed via a simple text verification, which is insufficient security for a 'Gift Card ' transaction, the # 1 indicator of fraud.

Wells Fargo has denied my claim by stating the 'service was rendered ' by the merchant, completely ignoring the context of fraud and coercion.

I am requesting full reimbursement under Regulation E.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Executive Escalation Missing Funds, Good afternoon, I am formally escalating a serious unresolved issue involving missing funds caused by a Bank of America ATM malfunction, as well as unacceptable customer service conduct while attempting to resolve it. 

I have attached my full written complaint for your review. Despite multiple calls and nearly a week passing, {$120.00} from an ATM deposit on XX/XX/year> remains missing. The manner in which this matter has been handled including a representative disconnecting a call during escalation has left me with no confidence in standard customer support channels. 

This email is being sent directly to executive leadership because lower-level escalation has failed. 

I am requesting immediate resolution and executive review. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I got a spirit elite credit card which included XXXX point and XXXX free checked baggage, I got the points but when i tried to get the XXXX XXXX havent baggage through spirit website it didnt let me, called customer service right away and the lady said not to worry that i could do it at the airport, i went tonthw airport and they said i has to do it online, i ended up paying for my baggage, called customer service and they said my account was not linked, which is a lie because i could use the XXXX points. I called them again before flying back and go not response, i had to pay again on my way back, by the way XXXX of the perks is boarding upgrade and i didnt get it either. This happened on XX/XX/XXXX XXXX and XXXX XX/XX/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 monetary relief