vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), I am requesting proper validation of this debt. To date, the company has failed to provide the legally required documentation that establishes : Proof that I am the correct party legally responsible for this debt. A complete accounting of how the alleged balance was calculated. A copy of the original signed contract or agreement creating the obligation. Proof of assignment or transfer of ownership, showing the company has legal standing to collect. Evidence that the debt is not past the statute of limitations for collection in my state. Despite my dispute, the account continues to be reported and/or collected without providing the above information. This is a violation of both FDCPA and FCRA, as it constitutes continued collection activity without validation, and inaccurate or unverifiable reporting to the credit bureaus. I am requesting that the CFPB require this company to : Provide the full and complete validation of this debt as outlined above ; OR Immediately cease all collection activities and delete any negative reporting from all consumer reporting agencies. I am also requesting that this violation be investigated and that appropriate corrective action be taken against the company for failing to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: IN

Complaint narrative:
I enrolled five accounts into a debt settlement program with Beyond Finance ( XXXX, XXXX, Bank XXXX XXXX, and XXXX XXXX accounts ). Two smaller XXXX accounts were settled, but the larger accounts were not resolved. A settlement was negotiated for my XXXX account for {$9600.00}, but only {$910.00} was paid to the creditor before the program was cancelled and the settlement was never completed. The XXXX XXXX XXXX and XXXX accounts were never settled. Despite this, Beyond Finance collected approximately {$4400.00} in program fees and applied remaining funds in my dedicated account toward their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
On XX/XX/year>, I sent {$1800.00} via Western Union ( MTCN : XXXX ) to my niece, XXXX XXXX XXXX, for collection at a XXXX XXXX branch in XXXX, XXXX [ XXXX, XXXX mile XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, phone : XXXX XXXX XXXX XXXX ]. The funds have not been received by the intended recipient. However, your system currently shows the transaction status as " picked up. '' The facts are as follows : My niece appeared at the XXXX XXXX branch to collect the transfer. A bank teller had her sign documents in XXXX places. She was sent to a second teller who refused to release the funds due to an alleged missing middle name. No money was ever placed in my niece 's hands. Western Union 's system nonetheless reflects the transaction as fully disbursed. This sequence of events strongly suggests that XXXX or more XXXX Bank employees acting as WUs authorized agents have fraudulently marked this transaction as complete while misappropriating the funds. This is a known form of agent-level fraud in remittance networks. When I contacted Western Union customer service to report this on XX/XX/year>, I was told nothing could be done because the system shows the funds as disbursed. The manager at the Western Union counter also called Western Union in front me on the same day but the agent she talked to gave her the same response. This response is inadequate and does not address the core issue : Western Union 's authorized agent appears to have fraudulently marked a transaction as completed while retaining the funds. As Western Union 's authorized agent, XXXXXXXX XXXX 's conduct is WUs legal responsibility. Under applicable consumer financial protection law and WUs obligations as a licensed money transmitter, you are required to ensure that funds reach their intended recipient or are returned to the sender. I hereby formally demand that Western Union : Immediately escalate this matter to their fraud and compliance department not general customer service. Conduct a full internal investigation into this transaction and the XXXX Bank branch involved. Preserve all records related to XXXX, including agent logs, disbursement records, and any communications with XXXXXXXX XXXX XXXX Provide me with a written response within XXXX days explaining the outcome of their investigation. Refund {$1800.00} plus {$35.00} transaction fee in full if they can not work with XXXXXXXX XXXX XXXXo disburse the funds as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I previously submitted a complaint for this issue. It was not fully responded to with explanations that made sense or lacked complete explanations ; in addition Fay Servicings refusal to correct my credit history with errors made solely on their end. XX/XX/XXXX issue started with part of my funds for my auto payment monthly payment being pulled into suspense for {$44.00}. Fay Servicing has not provided any explanation for this. XX/XX/XXXX my payment billing was for {$610.00} and Fay deducted {$660.00} of which {$44.00} was applied as " Misapplication reversal '' on XX/XX/XXXX. XX/XX/XXXX Fay Servicing has not commented WHY a payment was not deducted despite their acknowledgment my account was set up for auto payment in XXXX of XXXX. In XX/XX/XXXX I was billed for XXXX and XXXX combined for {$1200.00} and Fay only deducted {$590.00} again despite my auto payment which should have pulled {$1200.00} if that was the min amount due as that's how my auto payment is set up- to pay whatever the min due is. The transaction history THEY sent me shows a payment applied for {$63.00} also on XX/XX/XXXX, which appears to have been applied separately from the {$590.00}, but no clue what that payment is. This XX/XX/XXXX was also applied as a modified payment. In XX/XX/XXXX the bill was XXXX of which, again, Fay only deducted {$660.00} and of that a {$21.00} payment shows " unapplied '' on their billing and transaction history. This payment of {$660.00} was applied as a " Modified payment '' and included a {$85.00} principal curtailment- WHY? XX/XX/XXXX was billed for {$1200.00}, but only {$610.00} was deducted from my auto payment. This amount was applied in Suspense as an " unspecified payment '' and was not applied to any payment whatsoever until XX/XX/XXXX, when I discovered all of these errors on Fay Servicing 's end. Then that {$610.00} was applied towards payments. Fay Servicing was set up in XX/XX/XXXX with an auto payment for the minimum amount due for deductions on the XXXX of the month, the due date. Fay servicing failed to properly apply my payments, applied payments to unspecified, suspense, or miscellaneous. They failed to deduct funds from my checking account as set up in their auto payment enrollment. This has negatively impacted my credit report. I demand full transparency on what happened. Why weren't my payments deducted? Why were payments misapplied or sitting in suspense? I want my credit report fully corrected due to their system error for applying funds incorrectly or not adhering to the auto payment enrollment agreement when I enrolled in XX/XX/XXXX. I will continue to escalate this issue to the CFPB, my House XXXX XXXX, XXXX, etc until this is fully explained and resolved. I am attaching my comparison via excel as well as their transaction history they sent me plus my billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX On the credit report, they said I owe {$93.00} - I never an account for them - On the credit report, I opened the account XXXX XXXX XXXX with them. I did not opened an account. I have no more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I want to file a complaint regarding the mortgage assistance process I have experienced with PHH Mortgage since XX/XX/XXXX. In XX/XX/XXXX, I lost my job and immediately contacted PHH Mortgage to request mortgage assistance. Since that time, I have repeatedly attempted to work with their Mortgage Assistance Department in order to apply for a loan modification or other relief so that I can remain in my home. Over the past several months, I have experienced an extremely disorganized and ineffective process. Every time I call, I am routed to representatives located overseas ( to XXXX ) who provide inconsistent instructions and conflicting information. I have repeatedly asked to speak with a U.S.-based representative or supervisor, but I am always transferred back to the same offshore department. Despite my efforts to comply with the process and submit the requested documentation, my application never seemed to move forward to a clear underwriting review. Instead, I received repeated requests for information and unclear guidance from multiple representatives. On XX/XX/XXXX, I received a letter from PHH Mortgage stating that my account does not qualify for mortgage assistance. The letter was dated XX/XX/XXXX, and stated that I had XX/XX/XXXX days from the date of the letter to submit an appeal if I believed the decision was incorrect. However, the letter was not delivered to me until XX/XX/XXXX, which is well beyond the XXXX appeal window stated in the letter. As a result, I was effectively denied any meaningful opportunity to appeal the decision. This is extremely concerning because the delay in receiving the letter appears to have prevented me from exercising my appeal rights. My financial circumstances are legitimate and serious. I lost my job in XX/XX/XXXX and have since secured new employment, but my new position pays approximately {$40000.00} less per year than my previous job. My mortgage payment is nearly {$4000.00} per month due to the high interest rate, and I have been borrowing money each month to remain current on my payments. I am aXX/XX/XXXXmother of XXXX daughters, and my goal has always been to remain in my home and work with the servicer to find a sustainable solution. I have made every effort to communicate with PHH Mortgage and comply with their process, but the system I have encountered has been confusing, inconsistent, and ultimately prevented my application from being fairly reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Let the company know I did not request or authorize a credit card, loan, or debt relief program. Let them know this was fraud and not me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
What happened : On XXXX XXXX, 2025, I was charged {$5100.00} on my Citi XXXX card ( ending in XXXX ) for a XXXX Decoy MX CF Core XXXX XXXX E-Bike purchased from XXXX XXXX XXXX in XXXX XXXX, CA. The merchant retained the product for assembly and promised delivery approximately one month later. The bike was never delivered. On XXXX XXXX, 2025, XXXX XXXX XXXX permanently ceased XXXX operations and closed all locations. I filed a dispute with Citi on XX/XX/XXXX2025 under " Goods Not Received. '' I have submitted comprehensive documentation on multiple occasions, including : a purchase receipt, AT & T call logs showing unanswered contact attempts, news reports confirming merchant insolvency, and a written email to the merchant with no response. Despite this, Citi has : Violated FCBA resolution timelines. The Fair Credit Billing Act requires disputes to be resolved within two billing cycles, not to exceed 90 days. My dispute was filed XXXX XXXX, 2025. That deadline expired in early XXXX 2026. As of today, XX/XX/XXXX over 125 days later the dispute remains unresolved. Repeatedly and falsely claimed documents were not received. Citi representatives on at least three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) stated they had not received documentation, despite other Citi representatives and the Citi XXXX XXXX confirming receipt on XX/XX/XXXX and XX/XX/XXXX. Delayed contacting the merchant for 94 days after the dispute was filed, despite my having submitted evidence of the merchant 's closure at the outset. Continuously extended deadlines without resolution. The original portal resolution date was XXXX XXXX, 2026. This was extended to XX/XX/XXXX2026 for a merchant response. On XX/XX/XXXX, a Citi representative verbally extended this again to XX/XX/XXXX despite the merchant having been confirmed closed since XX/XX/XXXX and being incapable of responding. This pattern of behavior lost documents, missed statutory deadlines, and repeated extensions involving a confirmed-insolvent merchant constitutes a failure to properly investigate and resolve a billing dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). What resolution I am seeking : I am requesting that Citi immediately issue a credit of {$5100.00} to my account. The merchant failed to deliver goods, permanently ceased operations, and can not fulfill the transaction. I have provided all documentation necessary to support this claim multiple times over the past four months.

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 2026-03-07 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: CT

Complaint narrative:
This morning I recieved notice that I missed a payment for student loans. My loans were discharged XX/XX/year>. I have had no payments at all and have been refunded what I did pay for student loans from the federal government. MOhela needs to correct this issue ASAP and not send oout any emails requestung payment for anything that is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: PA

Complaint narrative:
Contacted XXXX and XXXX XXXX XXXX and told them the date of alleged service was XX/XX/year>. Both of these organizations did not have anything on their records for this date of service. They are trying to collect {$230.00} from me. The supposed company trying to collect this is : AssetCare LLC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX tel, XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: KEYCORP
State: OR

Complaint narrative:
Starting about XXXX months ago, our bank, KEYBANK started returning payments made directly to KeyBank for our mortgage payment. We would then resend the payment and sometimes they would accept it. Sometimes they wouldnt, we ask the DOJ to help us in Oregon and they did get the company to give us a breakdown and state that yes theyve been receiving payments, but their system didnt work right therefore they have been returning payments. Therefore we are behind payments and now were behind XXXX months behind with a bunch of extra {$30.00} a month charge. We have tried time and time again and its all documented to contact their representatives, but they never pick up the phone and once in a while, theyll return a call from us, but just leave a message and once I try and call them back they never pick up and the recording states that the person handling our loan is out of the office. They are now threatening to foreclose on the loan, even though they admit that it was their systems fault that kept returning our payments they have also listed on our credit file that were XXXX months behind even though weve made the payments. We have sense attempted to send XXXX extra payments of {$3500.00} and {$4000.00} to rectify the situation and they automatically return that payment and we keep sending it in and they keep returning it. We just want to resolve this and we dont think we should be charged a bunch of extra {$30.00} payments because it was their system. We also think because we got a XXXX % loan when we took this out that theyre trying to force us into a higher interest loan. The keyBank mortgage address is. XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, my Venmo account ( @ XXXX ) was restricted without cause ( XXXX XXXX ). Despite being a professional Management and Growth Lead and a verified resident of XXXX, PA, I am being denied access to my account functionality due to a technical failure in Venmo 's automated identity verification system. I have provided my Pennsylvania State ID as proof of identity. While the ID is currently in a standard government renewal window, it remains a valid identifier. Venmos automated system is hard-coded to reject renewal-gap documentation, and the company has refused my multiple requests to escalate this to a human supervisor for a manual override. Although my current balance is {$0.00}, this restriction constitutes a significant Business Interruption. It prevents me from receiving pending professional consulting fees and managing my business reputation. Venmos refusal to provide a " De Novo '' review by a new investigatordespite my compliance with all identity requestsis an unreasonable barrier to financial services. Desired Resolution : I am seeking the immediate restoration of my account functionality. I request that the CFPB compel Venmo to perform a manual supervisor review of my Pennsylvania ID and provide an override for the renewal gap so I may resume my professional operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Basically I cant open a bank account with XXXX because early warning services is blocking it for fraud in XXXX which I have no knowledge of and around that time I was XXXX so I was a minor so I dont understand how I have fraud on my name and to this day its still not off my name and I also did file a report on identity theft.gov about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding a fraudulent account takeover involving my account with Bank of America. Unauthorized individuals gained access to my account and conducted transactions that I did not authorize. I promptly reported the fraud to the bank and cooperated fully with their investigation. As a result of this fraudulent activity, I lost more than {$10000.00} in unauthorized transactions. Despite reporting the fraud, Bank of America failed to properly resolve the matter or restore the stolen funds. In addition, the bank reported the account to ChexSystems with the notation Suspected Fraud Activity. This reporting is inaccurate and damaging because I was the victim of fraud and not responsible for the activity that occurred on the account. This reporting has negatively impacted my ability to open bank accounts and conduct normal financial activities. Financial institutions have a duty under the Electronic Fund Transfer Act and the Fair Credit Reporting Act to properly investigate fraud and report accurate information to consumer reporting agencies. Bank of Americas handling of this matter has resulted in financial harm and inaccurate reporting.

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 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had a phone with a XXXX area code ... the phone XXXX and could not access any more I received a new number with XXXX but this number was used and is connected to someone else 's account that is blocked ... I now have the XXXX number but can not access my cash app and have been complaining for XXXX weeks but have been getting the run around to get it fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NV

Complaint narrative:
I've disputed multiple transactions charges and unauthorized account transactions from merchant and from cashapp themselves I was misguided rerouted, ignored and forced to keep the charges on my account threatening me with closure if I continue with disputes making me liable for actions they created or other merchant and overall ignorance altering banking data in there favor and extreme mishandling of funds or not applied payments for borrow and other services causing major fees and deductions to incur on my account over time with no fixtures even hanging up or demoting my account features in retaliation for my complaints or inquiry.

Company response to consumer: Closed with explanation