vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SERVICEMAC, LLC
State: IN

Complaint narrative:
I am submitting a complaint regarding inaccurate mortgage servicing, payment misapplication, and inconsistent account reporting following a servicing transfer. My mortgage loan transferred from XXXXXXXX XXXX to ServiceMac , LLC effective XX/XX/year>. Prior to and during the transfer, I made my XXXX and XX/XX/year> mortgage payments to the prior servicer, XXXX XXXX. I have proof of these payments. However, after the transfer, ServiceMac failed to properly reflect these payments and appears to have misapplied subsequent payments. Specifically : - My XX/XX/year> payment was treated as unpaid despite being made to the prior servicer. - A later payment was applied to XX/XX/year>, indicating a failure to properly transfer or reconcile payment history. - My account was then placed in a delinquent status. I have also received conflicting information from ServiceMac : - In one communication, I was told my loan was only due for XX/XX/year> and that there was no imminent default. - In a separate written notice dated XX/XX/year>, I was informed that I am delinquent for both XXXX and XX/XX/year> totaling {$6700.00} plus late fees. Additionally, my loan was removed from loss mitigation review on XX/XX/year> on the basis that there was no imminent default, despite the fact that I had requested assistance and the account was being treated as delinquent. I believe this reflects : - Failure to properly transfer and reconcile payment history between servicers - Inaccurate delinquency status - Improper removal from loss mitigation review - Potential inaccurate credit reporting to consumer reporting agencies I have already submitted disputes to TransUnion and Equifax regarding this issue. I am requesting that ServiceMac : 1. Conduct a full reconciliation of all payments made to XXXX XXXX and ServiceMac, 2. Correct any inaccurate delinquency status and past due balance, 3. Correct any inaccurate credit reporting, 4. Provide complete servicing transfer records and payment history, and 5. Reevaluate my eligibility for FHA loss mitigation options, including a standalone partial claim if applicable. I am seeking a full investigation and correction of my account. XXXX XXXX XXXX XXXX XXXX FHA 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 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I reported on XXXX XXXX fraudulent activity on my cashapp. For a whole year. I attempted to dispute the activity and they closed my account down. They were not made by me. Please help its lots of transactions equaling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I am writing to formally dispute the validity of a collections account reported on my credit report by Sunrise Credit Services in the amount of {$230.00}. This account is being reported with the service address XXXX XXXX XXXX, XXXX, FL XXXX, an address at which I have never resided, occupied, or established service. I have no knowledge of, nor association with, this address. Additionally, the timeline of this account contains clear inconsistencies that further call into question its accuracy : Contract Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Disconnect Date : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX While I XXXX have resided in XXXX, Florida previously XXXX albeit not this address, I relocated in XXXX of XXXX to a different city XXXX XXXX outside of XXXX XXXX XXXX My residence is in a rural area where XXXX XXXX are not available, making the reported account timeline of contract date, connect and disconnect dates invalid and not attributable to me. For my last residence in XXXX, I have my records showing a final XXXX Statement of XX/XX/XXXX on the last address I lived in XXXX ( a home I owned and occupied from XX/XX/XXXX until XX/XX/XXXX ), noting on the statement XXXX XXXX were cancelled, and a XXXX balance on the account. Based on these facts, I dispute this debt in its entirety and have tried working with the debt company for removal. I have had a phone call and then several email exchanges with this company at which no time have they tried to help resolve this false reporting on their part. They were not forthright with providing verification of debt when I requested it, and tried to provide only their collections account number, vendor name, and a link to pay the debt. There has not been any information provided to me that supports their claim of a debt on my part. I have submitted a dispute letter to the contact email I have been corresponding with and now I it's silence on their end, no reply. I have subsequently filed reports with all three credit bureaus. I have email communications as back, letter submitted, and statement from last XXXX address with full payment and closed account from 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 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been unable to access my Wells Fargo auto loan account for over two weeks due to a double profile error that the bank itself escalated to its Fraud Department on XX/XX/XXXX. The Fraud Department told me the issue would be resolved in 10 business days. That deadline passed without any action. Because of this internal error, I can not enroll in mobile banking, I can not view my account, and I can not make my payment. My payment was due on XX/XX/XXXX. Wells Fargo has effectively blocked me from fulfilling my contractual obligation through no fault of my own. I have spent over XXXX hours on the phone with multiple departmentsFraud, Escalation, Executive Officeand no one has fixed it. On XX/XX/XXXX, I drove 4 hours one way ( 8 hours round trip ) to the nearest physical branch, only to be told they could not help because the fraud lock prevented them from accessing my file. I have lost two full days of work as a direct result of this fiasco. The Executive Office wasted my time yesterday without providing a resolution. Their 10day promise was a lie. Their branch network failed me. Their phone system is a labyrinth designed to exhaust customers. This is exactly the kind of servicing breakdown that led the CFPB to fine Wells Fargo {$3.00} XXXX in 2023. I am now filing this complaint because the bank has demonstrated it can not or will not resolve basic account access issues without regulatory intervention. I have kept logs of every call and visit. I expect a response from someone with actual authority to cut through this bureaucracy and make me whole.

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 2026-03-24 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: MA

Complaint narrative:
Hello my name is XXXX XXXX, Ive had a PayPal account in 2021. At that time I was a minor I couldnt make a bank account so I made a PayPal, I had a little reselling business, during the pandemic I was receiving my unemployment funds on PayPal. One day my account all of a sudden got limited, i explained to PayPal my situation but since my account was permanently limited ive yet to receive a response or update with my situation. I just want to know what is happening its been over 5 years now I just want my fund Ive waited the 180 days and then some how much time do i need to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Hello, I have sent the information several times for the Mortgage Assistance application, and this company can not keep track of the documents and has closed the file again. I have wasted time re-submitting the application, and then they just sit on it and are not willing to assist me in keeping the property. They have been very dishonest about reviewing the file and assisting me with the process. I was told in XXXX that once we receive all the information, they will create a trial payment plan for the mortgage, and if those payments are made, then they will have a payment schedule. I am not selling the property, nor will it ever be for sale. I need to know what are these trial payments will be so I can review this plan. I have yet to receive any information from this lender/servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: NJ

Complaint narrative:
I am submitting this complaint regarding Midland Credit Management , Inc. for failing to comply with federal debt collection and credit reporting laws. I sent a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, concerning a collection account they reported on my credit file. The account is associated with XXXX XXXX XXXX XXXXXXXX, with a reported balance of {$640.00} and a date of charge-off of XXXX XXXX XXXX I recently received a response from Midland Credit Management ; however, it did not include proper validation of the alleged debt. The company failed to provide sufficient documentation, including proof of ownership, a complete chain of assignment, an itemized accounting, or a copy of any signed agreement establishing my obligation. The documents provided appear to be general account summaries and statements, which do not meet the requirements for proper debt validation under federal law. Despite failing to properly validate the debt, Midland Credit Management continues to report the account to consumer reporting agencies. Additionally, the account is being reported as a collection account, even though it is marked as paid in settlement, which is misleading and inaccurate without proper validation. Reporting an unverified and inaccurately reported debt constitutes violations of : FDCPA 1692g ( b ) ( continued collection activity without proper validation ) FDCPA 1692e ( misrepresentation of the legal status of a debt ) FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information without reasonable accuracy )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: Block, Inc.
State: MO

Complaint narrative:
Someone who I dont know hacked my Cash App accounts and instead of asking me about it Cash App deactivated my Cash App accounts and even though I have already submitted my proof of it happened. Cash App keeps refusing to let me have a new account even though I still so desperately need it to receive my much needed money for my rent and my life saving meds and monthly bills from the only two people who insist on using their Cash App accounts to send it to my Cash App account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
On XX/XX/year>, I received XXXX XXXX XXXXt The XXXX XXXX XXXX which later resulted in a {$2500.00} overpayment. On XX/XX/XXXX, my dental insurance issued a check reflecting this {$2500.00} overpayment. XXXX XXXX XXXX XXXX XXXX XXXXXXXX later stated that this overpayment was sent to my third-party financing account with Healthcare Finance Direct ( HFD ) on XX/XX/XXXX, instead of being refunded directly to me. On XX/XX/XXXX, I contacted HFD to verify this transaction. HFD informed me that a principal reduction had been applied to my account ; however, they were unable to provide the payment method or confirm whether an actual {$2500.00} payment was ever received. There is no visible transaction record showing how these funds were transferred, and no documentation has been provided to support that a payment was actually made. I did not authorize any redirection of my overpayment to my financing account. My agreement does not permit the provider to apply my funds in this manner without my consent. I have contacted both the dental provider and HFD requesting documentation of the transaction, including payment method, transaction details, and any authorization. The provider has not responded, and HFD has stated that the provider is responsible for issuing any refund. As of today, I have not received my {$2500.00} overpayment, and no proof has been provided that a valid payment was made. Under Florida Statutes XXXX and XXXX, overpayments are required to be refunded directly to the patient. Instead, my funds were redirected without my authorization and without proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fig Tech Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding a negative account reported by Fig Loans that I have previously disputed due to identity theft. I formally notified the company that this account is fraudulent and was opened without my authorization. My purse, which contained my personal identifying information, including my drivers license, Social Security card, and credit cards, was stolen along with my vehicle. As a result, an unknown individual had access to my full identity and used that information to open accounts in my name. In response to my dispute, the company stated that all of the information associated with the account was accurate. However, I want to make it clear that the use of accurate personal information does not validate the legitimacy of the account. The information is accurate because it was stolen and used fraudulently, not because I authorized or opened this account. I am requesting that this account be properly investigated as identity theft and that the company provide documentation proving that I personally authorized and executed this account. If they are unable to provide such proof, I request that this account be removed from my credit report immediately. Reporting this account as valid despite my identity theft claim XXXX constitute a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, as the information is being reported as accurate without proper verification of authorization. I am requesting that the Consumer Financial Protection Bureau assist in ensuring that this matter is properly investigated and resolved, and that this fraudulent account is removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 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: TX

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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IN

Complaint narrative:
I received XXXX emails from US Bank that someone is opening a checking and savings account and I have a hard credit check on my credit report. it is not me and they said they don't care. They want my social security number and I'm not willing to give them that info over the phone. I offered to give them the transaction ID over the phone attached to the email and they refuse and are insisting I give them my social security number.

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 non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I have no debt with any of these companies yet they are reporting inaccurate information and I want it removed. How can you owe a company you've never heard of let alone amounts you've never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lendbuzz Inc.
State: PA

Complaint narrative:
A vehicle load was secured with LendBuzz for a vehicle. I paid my payments each month to LendBuzz as agreed. LendBuzz was unable to verify or secure a title for this vehicle. I was unable to register this vehicle. They had secured a loan without any sort of verification of vehicle. After some time LendBuzz agreed to take vehicle back. Sent letter stating as long as I kept it insured and in same condition as purchased they would pick it up and refund payments that were made and loan would be removed from credit profile. Vehicle was picked up by their service and a refund check was issued as agreed upon and loan was dissolved. I had not heard a thing from them until I received a letter from Credit Collection Sercices dated XX/XX/XXXX stating I owed {$3300.00}. I sent them a letter stating I did not owe them anything and explained everything as above and sent copies and never heard from them again. Then XX/XX/XXXX I received a similar letter from another collection agency XXXX XXXX XXXX XXXX stating same thing and sent them same letters. They keep sending the original loan contract that was voided when LendBuzz took vehicle and issued refund. Both agencies have this amount with no explanation saying how or why I owe this money. LendBuzz never once sent a letter stating a balance was owed. Again if there was why would they issue a refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
I am a business customer of Axos Bank. I am attempting to deposit a legitimate check from a health insurance company XXXX with whom I have an established relationship and a history of successful deposits into this same account. The amount of the check is {$1300.00} and the date of the attempted deposit is XX/XX/XXXX. I've tried multiple times throughout the day. Axos Banks mobile deposit system is rejecting the check with the message XXXX XXXX XXXX XXXX Return Probability. Customer support has been unable to explain the reason for the rejection or provide a workable solution. I've waited minutes only to be connected with someone who eventually re-routes my call because I have a business checking account ( even though I selected that I have a business account on their customer service number 's complaint routing system ). This is interfering with my ability to access funds and conduct normal business operations. I am requesting : A clear explanation of why this check is being flagged A manual review or override of the deposit Assurance that legitimate checks from this issuer can be deposited going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NATIONAL DEBT RELIEF LLC
State: OK

Complaint narrative:
National Debt Relief They call me everyday. At least 6 times a day and from different numbers. I've email them twice, asking them to stop calling me. I am on the do not call list. At this point it is blatant harassment. This has been going on for well over 30 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX dollar from permanent dividend fund into a checking account number related to Cash App or XXXX XXXX on XX/XX/year>. State of Alaska provided check number XXXX this was deposited into a XXXX checking account related to XXXX or XXXX or phone number XXXX. XXXX XXXX is unable to locate an account associated with my social security or any login information. XXXX XXXX XXXX XXXX has stated the funds did not return. XXXX XXXX states no account exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
XXXX I sent this letter to XXXX XXXX XXXX XXXX requesting a copy of the 1099c form, and a validation of debt, and assignment letter. the company has failed to send the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation