vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I requested a mortgage forbearance from Bank of America due to a temporary financial hardship related to a career transition. During my call with a Bank of America representative, I specifically asked whether I needed to provide financial information or documentation. I was informed by the representative that no additional financial information was required, and the request was submitted on my behalf based on that guidance. 
I was later notified that my forbearance request was denied. I am concerned that my request was not properly reviewed because I relied on the representatives instructions and was not given the opportunity to submit financial documentation. 
During this period, I have continued to make payments to the best of my ability and have taken on supplemental income, including XXXX gig work, in order to keep up with my mortgage. I contacted Bank of America proactively and in good faith to seek temporary assistance. 
Despite this, I have now received a letter of intent / foreclosure-related notice, even though I am only approximately XXXX months behind and was actively seeking loss-mitigation assistance. This has caused significant concern and leads me to believe my request was not handled fairly or in accordance with appropriate loss-mitigation procedures.

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 — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
on XX/XX/XXXX, I called to get a payoff because I have just received some money from XXXX Bank to pay off all of my bills. I told the person at that time that I needed to pay off amount because I wanted to pay the bill and close my account. First of all the person I spoke to - I shouldve written her name down, but I didnt Was not going to let me close the account she told me she was unable to do that. And I could not make a payment. So I hung up and called back later and asked them again for a payoff amount. Told them I wanted to close the account. I need to know what the total amount I owed so that I could close the account. They gave me an amount so I paid it. 
Now Im receiving another bill saying I owe two late fees, paper statement, fees, and some other fees. 
after speaking to XXXX, one of the supervisor today, she transferred me over to her supervisor I think his name was XXXX XXXX XXXX, I tried to explain to him that I had called to get a payoff to pay off thick amount and close the account. He kept saying to me over and over again that they had no way of telling what the amount of the payoff would be when I called because it was after the due date. I used to work in escrow. I know what a payoff amount means it means pay it off close the account. they are unwilling to budge with anything except for a {$15.00} courtesy adjustment. Which is ridiculous. I am not paying too late fee of {$41.00} apiece and statement fees, etc., because their system has a glitch in it and they made a mistake and told me the wrong amount. Plus, he was very rude to me so I actually have an issue with fees and interest and closing the account and make it a payment.

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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. ( Midland ) for continuing to report an unverified, duplicated, and inaccurately reported collection account in violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Metro 2 data-furnishing standards. Midland is reporting the same alleged debt twice under two different furnisher names MIDLAND CRED and MIDLANDCRE both tied to Account # XXXX for {$1600.00}, with the alleged original creditor listed as XXXX XXXX XXXX. This duplicate reporting alone constitutes inaccurate and misleading credit reporting and violates FCRA 607 ( b ) and XXXX XXXX requirements for accuracy, completeness, and consistency. I have disputed this account and requested full validation, yet XXXX has failed to provide a single legally required document, including the original signed credit agreement with XXXX XXXX XXXX, a complete itemized account ledger, proof of ownership or assignment, chain of title, date of first delinquency, date and amount of last payment, or any documentation explaining how the {$1600.00} balance was calculated. Under FDCPA 809 ( b ), Midland is prohibited from continuing collection or credit reporting activity without providing validation, and under FCRA 611 and 623 ( a ) ( 1 ) ( A ), a furnisher may not continue reporting information that can not be verified as accurate. Midland is a well-known junk debt buyer with an extensive history of lawsuits, enforcement actions, and consumer complaints for improper debt collection practices, mass litigation without proof, and inaccurate credit reporting and this account reflects those exact same violations. Reporting the same alleged debt twice under different furnisher names, without validation, is not a clerical issue ; it is systemic misreporting that materially damages my credit profile. Midlands continued reporting of this account, despite disputes and without documentation, demonstrates that no reasonable investigation was ever conducted, and that Midland is knowingly furnishing unverifiable data to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I am filing a complaint against PayPal regarding the sudden and unexplained permanent deactivation of my long-standing personal account and the holding of potential funds for up to 120 days. 

I have been a PayPal customer since approximately XXXX. This is a personal account only. I do not operate a business through this account. I have not engaged in high-risk transactions, international transactions, large volume transfers, cryptocurrency, gambling, adult content, policy-restricted activity, or anything remotely suspicious. To my knowledge, I have never had chargebacks, disputes, fraud claims, or compliance issues on this account. 

On XX/XX/XXXX, I received a notice that my account was permanently deactivated due to unusual activity with no specifics provided and no opportunity to correct or clarify anything. The email states funds may be held for up to 120 days. When I contacted customer support, I was told I could receive no further information unless I wrote a physical letter to their legal department.

I believe this is unfair, lacks transparency, and may violate consumer protection principles. A financial institution should not be allowed to permanently ban a consumer and restrict access to their financial platform without : explaining the specific reason citing the exact policy allegedly violated offering meaningful appeal or review I am requesting that PayPal : -Provide a detailed written explanation of the specific activity or policy that led to the permanent deactivation of my account. 
-Conduct a full manual review of my account, given it is a long-standing personal account with normal activity. 
-Confirm whether any funds are being held and ensure they are released as soon as legally permissible. 
-Reinstate my account if no legitimate compliance violation exists. 

This situation has created unnecessary stress, uncertainty, and disruption. I simply want transparency and fair handling. 


Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AUTOMOTIVE CREDIT CORPORATION
State: MI

Complaint narrative:
I submitted a request to cease communications. I filed that request through the CFPB and the company 's response was their records were updated and I would not receive anymore phone calls .. On XX/XX/year> at XXXXXXXX XXXX I received a phone call and a voicemail was left for me.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

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 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This company is trying to get more money than they owe. I did more research. They are taking illegal measures

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 was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
FAIR COLLECTIONS amp OUT is falsely reporting on my credit. I have never had any accounts with them. Per my research FAIR COLLECTIONS amp OUT 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 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: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A Wells Fargo credit card with a credit limit of approximately {$3000.00} was opened in my name without my knowledge, consent, or authorization. I did not apply for this account, did not use the card, and did not knowingly authorize any charges or payments associated with it. I did not receive account disclosures or billing statements and was unaware the account existed. 

I first became aware of this fraudulent account on XX/XX/year>, when a Wells Fargo banker informed me that the credit card was open. I disputed the account immediately upon discovery. Until that date, I had no knowledge that such an account existed. 

Wells Fargo denied my fraud claim on the grounds that monthly payments of approximately {$36.00} were being made. This conclusion is incorrect. These payments were automatic withdrawals from my bank account and were not knowingly made or affirmatively authorized by me with awareness of the account. Automatic debits do not constitute authorization, consent, or ownership of a credit card account. 

This matter is account-opening identity theft, not a billing dispute. Mail related to this account was sent to an address not under my control, and after my accounts were previously compromised, I restricted online banking access. These factors explain why the fraudulent account remained undiscovered until XX/XX/year>. 

I have filed an official Identity Theft Report with the Federal Trade Commission. Despite this, Wells Fargo has failed to properly investigate the identity theft and has improperly relied on automatic payments as evidence that no fraud occurred. 

I am requesting CFPB assistance to require Wells Fargo to recognize this account as fraudulent identity theft, refund all funds withdrawn from my bank account in connection with this account ( including all automatic payments, interest, and fees ), permanently close the account as fraudulent, correct any related credit reporting, and provide written confirmation of full resolution.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MI

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has been so stressful for me trying to get this off and while life is already stressful enough I'm mentally drained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I am submitting this complaint regarding Columbia Debt Recovery LLCs unlawful debt collection and credit reporting practices. 

On XX/XX/2025, I sent Columbia Debt Recovery a written dispute and validation request pursuant to 15 U.S.C. 1692g, disputing an alleged debt of {$2400.00} claimed to be owed to XXXX XXXX ( Account No. XXXX ). This dispute was sent via email in response to an email communication I received from Columbia Debt Recovery on XX/XX/2025. My dispute was timely, detailed, and clearly requested validation of the alleged debt. Columbia Debt Recovery did not respond and did not provide any verification. 

Despite this, in or around XX/XX/2025, Columbia Debt Recovery reported the alleged debt to credit reporting agencies. Reporting a debt after a written dispute and before providing validation constitutes continued collection activity and is a direct violation of FDCPA 1692g ( b ). Additionally, furnishing an unverified and disputed debt to credit bureaus misrepresents the legal status of the account, in violation of FDCPA 1692e and the XXXX XXXX Fair Debt Collection Practices Act ( XXXX. Civ. Code XXXX ). 

The underlying debt itself is invalid. XXXX XXXX provided written consent to terminate the lease early, effective XX/XX/2025, and no lease termination fee or buy-out charge exists in the lease or in any signed addendum. Any attempt to impose a retroactive lease break fee after written consent to terminate is a breach of contract and inconsistent with XXXX  Civil Code 1951.2. 

Columbia Debt Recovery has : Failed to validate the debt after a written dispute Continued collection activity by furnishing the debt to credit reporting agencies Reported inaccurate and misleading information regarding the legal status of the alleged debt

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: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My Capital One credit card account was closed without prior written notice and subsequently placed into internal collections, leaving me without any reasonable repayment options despite my willingness to pay. 

I did not receive any notices of returned payments, delinquency, account closure, adverse action, or placement into collections. To date, the only correspondence I have received has been routine billing statements reflecting the balance due. I did not receive emails, text messages, phone calls, or mailed correspondence notifying me of any serious issues with the account, the closure itself, or the change to collections status. 

During an extended period of medical hardship that prevented me from working for over a year. Despite financial strain, payments were made consistently. On some occasions, payments were returned due to timing and cash flow constraints, not refusal to pay, and those payments were later made manually as funds became available. At no point did I intentionally stop paying or abandon the obligation. 

After learning that the account had been closed and was in collections, I paused payments briefly in order to obtain clarification, as I was unable to get clear information from Capital One regarding what had occurred or what options were available. This pause was done in good faith and with the intention of resuming payments once accurate information could be obtained. 

I contacted Capital One multiple times seeking assistance and requesting a structured repayment plan or hardship option. I was told by multiple representatives and a supervisor that because the account was closed, no hardship or forbearance options were available, no escalation was possible, and my only options were to continue making payments while interest accrues indefinitely or wait for the account to be transferred to third-party collections. 

I am willing and able to repay this debt under reasonable terms. However, continued interest accrual and high required payment amounts make repayment under the current structure financially unsustainable. I have sufficient funds to make consistent monthly payments if interest is temporarily reduced or suspended so that payments reduce the principal balance. 

Additionally, upon closure of the account, all accumulated rewards points were forfeited without prior notice. This card was obtained and used in large part for its rewards program, and the loss of those points further compounded the impact of the sudden closure. 

I am requesting that Capital One review this account for a reasonable repayment plan with temporary interest relief, or provide a written explanation as to why no such option exists, given my willingness to repay and the lack of notice provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I placed an order for an XXXX XXXX using my Citi Best Buy card ending in XXXX ( Order # XXXX ). The order was later cancelled, and I contacted Best Buy and Citi multiple times regarding this purchase. Best Buy confirmed the cancellation, and Citi agents over the phone told me that once Best Buy verified it, they would remove all charges from my account. However, the charge was never removed. I never received the XXXX, and yet the charge remained on the credit card, leading to the account being sent to collections to XXXX XXXX XXXX for {$2500.00} as of XX/XX/XXXX which has negatively affected my credit report.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I disputed the loan transfer and made several attempts to modify renegotiate and validate this new contract. Never received the information requested over the past three years. PennyMac Loan Services LLC instead denied my request for a modification and renegotiation and filed for foreclosures. After saying I was approved for a modification.

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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding LLC regarding an alleged collection account reporting under the names LVNV FUNDING LLC and LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX ) for an alleged balance of {$390.00}, both using the same account number XXXX. I have conducted extensive research on LVNV Funding and am fully aware that this company has a long and well-documented history of state attorney general actions, CFPB enforcement matters, class action lawsuits, and consent orders for unlawful debt collection practices, including attempting to collect debts without proper documentation, robo-signing affidavits, misrepresenting ownership of accounts, and reporting unverifiable information to consumer reporting agencies. 
I have never received any written notice, billing statement, contract, or correspondence from XXXX XXXX XXXX or LVNV Funding regarding this alleged debt. I have no knowledge of this account, do not recognize the alleged balance, and do not know how this amount was calculated. Despite disputing this account and requesting validation, LVNV Funding failed to provide any legally required documentation under FDCPA 809 ( b ) and FCRA 611 ( a ). Specifically, LVNV did not provide : the original XXXX XXXX XXXX signed agreement a complete billing and payment history an itemized breakdown of the {$390.00} balance the date and amount of the last payment proof of legal ownership or assignment chain of title from XXXX  XXXX to LVNV or any Metro 2compliant data establishing accuracy, completeness, and consistency Under federal law, a debt buyer can not legally verify or report a collection account without this documentation. Merely asserting that an account is verified is not verification. LVNVs continued reporting without proof violates FCRA 607 ( b ) ( maximum possible accuracy ), FCRA 611 ( a ) ( reasonable reinvestigation ), FDCPA 807 ( false or misleading representations ), and FDCPA 809 ( b ) ( failure to validate ). Metro 2 standards also require that all reported data be fully supported, accurate, and complete which LVNV has failed to demonstrate. 
It has now been well over 30 days, and in fact months, since my validation request. The legal clock has expired. LVNV is prohibited from continuing to report or collect on this account without proper validation. At this point, even if LVNV attempted to produce documentation, it would be untimely and legally insufficient.

Company response to consumer: Closed with explanation