vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: DC

Complaint narrative:
I am a resident of XXXX, XXXX, and I am filing this complaint against MOHELA for failure to maintain accurate loan records and for refusing to correct a systemic data reporting error. 

My account contains a significant data gap from XX/XX/XXXX, through XX/XX/XXXX. During this XXXX-year period, my repayment history was not properly transmitted to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) by prior servicers. MOHELA is currently using this incomplete data to calculate my XXXX forgiveness progress, resulting in a significantly lower payment count than I am legally entitled to under the XXXX XXXX XXXX  One-Time Account Adjustment rules. 

Despite these errors, MOHELA continues to demand payments. I have formally requested an Administrative Processing Forbearance to pause billing while a manual audit is conducted, but the servicer has been unresponsive. I have initiated a Privacy Act/FOIA request with the XXXX XXXX XXXX  to recover the missing historical records. I am seeking the CFPB 's assistance to compel MOHELA to pause my billing and perform a full reconciliation of my XXXX history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
CARTER-YOUNG, INC/XXXX Reported XXXX XXXX XXXX, XXXX  {$4300.00} I am submitting this letter as a formal dispute of inaccurate, incomplete, and unverifiable information appearing on my XXXX credit report, pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i. 
After reviewing my credit file, I have identified negative and derogatory accounts that are being reported inaccurately, without proper verification, or in a manner that is misleading and incomplete. I hereby dispute all negative, derogatory, or adverse items on my XXXX  credit report, including but not limited to accounts reported as charge-offs, late payments, bankruptcies, closed accounts with derogatory remarks, and any account marked as derogatory. 
Basis of Dispute Under the Fair Credit Reporting Act, XXXX is required to : Conduct a reasonable reinvestigation of all disputed information Ensure the maximum possible accuracy of consumer data Delete or correct any information that can not be fully verified Accordingly, I request that XXXX  : Investigate each disputed account in its entirety Obtain full verification from the original creditor, including : Proof of my legal obligation to the debt Original signed agreements or applications Complete and accurate payment history Delete any account or information that can not be verified within the time period mandated by law If XXXX verifies any disputed item, please provide me with : A detailed description of the method of verification The name, address, and telephone number of the party who verified the information Copies of any documentation used to verify the disputed account Notice of Rights Please be advised that failure to conduct a reasonable investigation or continued reporting of inaccurate or unverifiable information constitutes noncompliance with the Fair Credit Reporting Act and may subject XXXX  to further action to enforce my rights under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: VA

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 non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an incorrect collection account reported by The XXXX XXXX and the associated collection agency Procollect. 

Timeline of Events : I moved out of the apartment in XX/XX/XXXX. At that time, I had no correspondence regarding any outstanding balance. 

On XX/XX/XXXX, I paid the balance in full via money order, delivered by my cousin at XXXX XXXX as I had been instructed that payment could only be made this way. 

On XX/XX/XXXX, I received a third notice of payment via email. I called the apartment office and was informed that my payment had been misplaced but was later found. 

On XX/XX/XXXX, I received a final notice of payment due. I have email correspondence in which the apartment complex confirmed they would correct the issue that day. 

From XX/XX/XXXX, through XX/XX/XXXX, I received calls from the collection agency. I informed them that the debt had been paid, but they stated they had no record of payment. 

On XX/XX/XXXX, I received an email from the apartment complex confirming that I was removed from collections. 

Despite these actions, the collection account continues to appear on my credit reports and tenant screening reports. 

On XX/XX/XXXX, I was denied housing due to this collection and a reported bad rental history. I am planning to relocate for work within the next 60 days and am unable to secure housing because of this incorrect reporting. 

Supporting Documentation : Copy/photo of money order dated XX/XX/XXXX Emails from the apartment complex acknowledging payment and promising correction Correspondence from the collection agency Denial letter from XX/XX/XXXX The account was paid prior to referral to collections and continues to cause significant financial and personal harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Seattle Service Bureau, Inc
State: TN

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX., I received a call from a representative of the National Service Bureau. He verified his name and provided details regarding an accident I was involved in on XX/XX/XXXX, explaining how XXXX XXXX covers damages and medical expenses for their customers. 

I then mentioned the amount of the debt. The representative informed me that I needed to make a payment to prevent them from sending information to the XXXX about suspending my license. He indicated that this could be done in the state of Tennessee. He warned that if I didn't establish a payment arrangement before the call ended, he would have no choice but to mark the account as a " Refusal to Pay, '' and a letter would be sent to the XXXX to initiate the suspension of my license. The representative spoke over me and would not allow me to speak. 

I requested to speak with a manager, and the representative said he would transfer me. While I waited, I wanted to record the call, but he said it was against the law without his consent. When I requested his consent, he was abrupt and rude, and he harassed me throughout the entire call. He informed me that the call could not be recorded and that he would mark the account as a " Refusal to Pay '' before disconnecting. I am terrified that my license will be suspended. Prior to the phone call, I had not received any documentation regarding the debt, and I was being bullied and harassed into making an immediate payment. As a result of the call, I experienced emotional distress and have been feeling stressed and concerned ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: BMW Financial Services NA, LLC

Complaint narrative:
In XX/XX/year>, I entered into a vehicle lease with BMW Financial Services. The vehicle delivered to me was used, not new. I made regular monthly payments of approximately {$720.00}. 
Years later, after the vehicle was taken without prior notice, I requested complete and original lease and account records. In response, BMW Financial Services submitted documents that contain material inconsistencies and appear to be reconstructed or altered, including : The vehicle being falsely represented as new instead of used Missing or incomplete address information Missing agent names and insurance verification details Unidentified or illegible signatures Inconsistent lessor identification Documents that do not reflect contemporaneous records from XXXX  These records were presented as authentic despite clear discrepancies, raising serious concerns of fraud and forged or fabricated documents. 
BMW Financial Services failed to provide verifiable original documents upon request, while continuing to rely on disputed records to justify repossession and financial claims. 
This conduct constitutes unfair and deceptive acts or practices in violation of 12 U.S.C. 5531 and 5536 ( UDAAP ), as well as potential violations of federal and state fraud statutes.

Due to the nature of these discrepancies, this matter may warrant further review by law enforcement and the Federal Trade Commission ( FTC ) if not promptly and fully remedied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Michael J Adams PC
State: TX

Complaint narrative:
I saw a legal hold on my bank account, so i contacted my bank to know what that was about. The bank gave me a XXXX XXXX XXXX phone number to contact. When i reached out to them on the XXXX of XXXX, they told me they had a court order to garnish my account for a total of about {$1700.00} for a paypal account ( which i had over XXXX ago ) that was not paid and that i can sign a document so they can take the money in my account at that moment and make a payment plan for the rest of it. I told them i would call back at a later time, so no documents was signed. I called the court that made the judgement and i was told they served me to appear in court XX/XX/year>, i never received any serving or signed any document to that effect and that i could check this website for XXXX court ruling, XXXX. As of today, my account is still on hold and i cant take care of my bills due to this. I received a letter from the XXXX XXXX XXXX on the XXXX of XXXX stating that they received payment that i never signed off to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
* NOTE : I am a lawyer Below is the body of my XXXX XXXX letter to the debt collector, XXXX XXXX XXXX XXXX XXXX RE : I am in receipt of your company 's letter informing me that you are handling the collection of the account referenced in your letter dated XX/XX/year>. However, after reviewing my records, I can not find any documentation of a contractual relationship between JPMorgan Chase Bank, N.A., and me that would make you authorized to enforce a claim against me. 
This letter is not a request for verification or validation. It is a request for proof of contract to support your claim. Please provide a certified copy of the original contract with my signature, explicitly naming your company as authorized to enforce a claim against me. Certification should be made by a notary public, swearing that the copy is an exact reproduction of the original document. 
Failure to respond or to provide clear proof of such a contract will be taken as your agreement that neither you nor JPMorgan Chase Bank, N.A., is entitled to enforce any claim against me. If you persist in collecting without providing proof of contract, I will file complaints with the Attorney General and Federal Trade Commission. 
You have 30 days to present valid proof of contract. If you can not, you must cease all collection activities and immediately remove any negative reports to consumer reporting agencies. If this account is transferred to an attorney without proof of contract, I will report the attorney to the XXXX XXXX XXXX and the Professional Liability Fund for ethics violations. 


XXXX XXXX XXXX mailed a response with the first page explaining that I am the correct person who owes the debt, which has nothing to do with my request stated above. Their packet also included one page with a bunch of random codes and redactions, and although I am unable to comprehend what this document is, it still does not have anything to do with my request stated above. They topped off the mailing with over XXXX pages, with just copies of every single credit statement from XXXX plus all of the documents with the account terms, all of which I already possess. 

Copies of my letter above and the two documents received from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX In summary, XXXX XXXX XXXX failed to produce the clearly requested certified copy of the documentation with the contractual relationship between JPMorgan Chase Bank and me that would authorize XXXX XXXX XXXX to enforce this debt collection claim against me. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am submitting a complaint regarding potentially deceptive and unfair practices by my mortgage servicer. I have made multiple attempts to resolve this issue directly with the servicer, but their responses have been deceptive and unsatisfactory.

In response to my inquiry about free of charge payment options, the servicer stated : " The following payment options are listed below as free of charge : ( 1 ) ACH you preauthorize SPS to withdraw funds equal to your monthly payment on a specific date each month. ( 2 ) USPS The following payment options require a fee : XXXX XXXX by phone or on web for each payment you authorize to draft from your checking account using this method, we will charge a fee of up to {$15.00}. '' This disclosure is misleading for several reasons : ACH is represented as free, but it requires mandatory automatic enrollment, which removes my ability to control the timing of individual payments. This effectively imposes a pay-to-pay fee on borrowers who wish to make payments on their own schedule.

USPS is listed as free, but this ignores the fact that customers must pay postage a real cost that is not disclosed.

Framing is deceptive : By highlighting only the {$15.00} fee for XXXX XXXX, the servicer creates the false impression that the free options are fully costless and superior, while in reality, the so-called free options carry practical restrictions and hidden costs.

Contractual and consumer protection concerns : This mandatory ACH requirement was not disclosed in, nor agreed to under, my original mortgage contract. The servicer has refused to offer a flexible payment option, raising concerns that this practice may constitute an unfair or deceptive act under federal consumer protection laws and is inconsistent with applicable mortgage servicing standards.

I request that the CFPB investigate this matter to ensure that borrowers are not forced into mandatory payment arrangements that are inconsistent with their original mortgage agreements or that impose undisclosed costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Whom It May Concern, I am writing in response to your communication on regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide validation of this debt.

Please provide the following information : Proof of Debt : The name and address of the original creditor and the original account number.

Verification of Amount : A complete itemized statement of the amount owed, including any interest or fees added since the last billing statement from the original creditor.

Legal Authority : Documentation showing that you are legally authorized to collect this debt in my state.

Ownership History : Evidence that you own this debt or have been assigned the right to collect it.

If you fail to provide this validation within 30 days, you must cease all collection activities immediately. Furthermore, if this debt is reported to any credit bureaus, please ensure it is marked as " disputed. '' Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
Account Defrauded Proof Borrower Defense Loans All Discharged -- -> {$40000.00} also Defrauded I received a scholarship which was like a loan that had to be paid back with service for a total of {$40000.00} while attending XXXX XXXX XXXX XXXX XXXX XXXX TN from XXXX. The scholarship contract said that any difference between the loan amount and fees was to paid to the student. I believe that the difference was the full amount of the Award {$40000.00} XXXX because I received a simultaneous full-tuition amd most fees scholarship and student loans. XXXX XXXX percent of my student loans were discharged by XXXX XXXX because of other investigation. The scholarship being a noncompleter federal award was not refunded or resent to the Board as far as I know and appears misappropriated. The XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  has " no record '' and neither does the Treasury Department but it may be in their archives. The XXXX requires a record of financial transactions related to my account D.O.B. XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a.s.a.p and need to know how it was applied to the account and whether it was returned to their XXXX in XXXX. In any respect the {$40000.00} in light of the full student loan refund for fraud was extra debt and needs to be refunded since it was twice found to be " unnecessary. '' Please look into this thanks thanks. Thanks. 

Also the XXXX I feel owes me for settling out of court about {$7000.00} originally tried suing for about {$16000.00} for not completing what is now viewed as " working for free, '' since it is not clear that I benefited from the scholarship and the school can't currently provide full proof. The repayment period was supposed to be 2 years they said nothing about suing until XXXX 5 years later with 3 months remaining suggest a attempt ylto prevent completing and collect 3 times the amount owed. I asked them to repay they seemed to be unwilling.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Upon receiving approximately {$100.00} in XXXX, which is not out of the ordinary for my account over the past 3 years without any issues, PayPal has restricted me from using that {$100.00}. Which is used for personal bills like gas and groceries. I requested a reason for why, and which information they are using from my personal records, but the PayPal employee failed to disclose any information about which the institution was using. This is a major red flag warning for consumer protection and I believe it is within the best interest of the people to report the improper and I would delegate, illegal use of information via Artificial Intelligence and automation transaction type programming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
To the CFPB and Ability Recovery Services , LLC, I am submitting this response regarding CFPB Complaint ID XXXX. 

At this time, I continue to dispute the validity, ownership, amount, and legal enforceability of this alleged debt. Until proper validation is producedincluding proof of obligation, proof of assignment, and proof of licensingthis account remains unverifiable.

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 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On my 30 year fixed mortgage, an escrow account was opened and I was charged starting in XXXX of XXXX. My insurance through XXXX never ceased and we pay our property taxes out of pocket. Wells Fargo says that due to lack of proof of insurance an escrow accout was opened. We received a bill for {$5300.00} to keep funding the escrow account that was never needed and opened up without ( as far as I am aware ) any real notice or requests for our XXXX homeowners insurance. It was also unclear as to how any money coming back to me will be paid.

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 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
XXXX XXXX I had called many times to lower payments or skip a month, but I was denied.

Company response to consumer: Closed with explanation