vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: NM

Complaint narrative:
I am disputing an account that was reported by XXXX on behalf of XXXX. I was an XXXX customer for nearly ten years and always paid my bills on time. I disconnected service only because I moved, and that move should be reflected in XXXX records. Several months ago, a different collection agency ( XXXX XXXX ) reported a balance that I had already paid. I provided proof of payment, and XXXX stopped pursuing the matter. I believed the issue was resolved. Recently, CBHV reported the same alleged balance to two credit bureaus without ever contacting me. They used an incorrect address, and I received no mailed notice, no voicemail, and no communication of any kind. I only learned about the collection when I received a credit alert. As soon as I saw the alert, I contacted CBHV. I spoke with a representative and then a manager named XXXX. I explained that I had already provided proof of payment to the previous agency and would provide it again. XXXX told me she would send validation once I emailed her. I emailed her immediately. To date, I have not received proper validation. The only document sent was a copy of a bill, which does not establish the legitimacy of the debt. Despite my attempts to resolve this quickly and in good faith, XXXX has not provided the required documentation. Their reporting has caused a significant drop in my credit score. I have been actively exploring homebuying options, and this inaccurate reporting has negatively affected my credit profile during that process. This is now the second time a collection agency tied to the same XXXX account has reported inaccurate information. I am requesting that this account be investigated and removed from my credit reports unless full and complete validation can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
I am submitting a formal complaint regarding my mortgage closing transaction involving Lennar Mortgage , LLC ( NMLS # XXXX ), in connection with my home purchase. At closing, both the Closing Disclosure ( XXXX ) and the XXXX settlement statement clearly reflected a seller-paid amount of {$2200.00} designated for HOA-related obligations. This amount was listed as paid by the seller and was a material term of my transaction, which I relied upon when completing the purchase. However, I later discovered that these funds were not properly credited towards my HOA account, specifically my XXXX XXXX dues. As a result, I am now being held responsible for amounts that were represented as already paid or credited at closing. I contacted XXXX Mortgage to address this issue. In their written response dated XX/XX/year>, they acknowledged the {$2200.00} seller-paid amount disclosed on the CD but denied responsibility, stating that the matter should be addressed with XXXX XXXX XXXX XXXX Homes XXXX XXXX the HOA. While they assert compliance with RESPA disclosure requirements, they have not provided any accounting of where {$2200.00} was actually disbursed. This response is insuicient. The issue is not simply disclosure it is the apparent failure to ensure that the funds collected and disclosed at closing were property applied. Multiple Lennar-ailiated entities ( XXXX Mortgage XXXX XXXX XXXX XXXX and XXXX Homes XXXX were involved in this transaction, and I am being forced to navigate between them without resolution. I am requesting the following : XXXX. A full accounting of the {$2200.00} seller-paid HOA funds XXXX. Documentation showing where these funds were disbursed and when XXXX. XXXX correction if funds were not properly applied to my HOA account XXXX. Reimbursement or proper credit toward my HOA dues if the funds can not be located or were misapplied This situation represents a breakdown in the closing process and has resulted in financial harm. I relied on the accuracy of the Closing XXXX and settlement documents, which should reflect not only disclosure compliance but also proper execution of the transaction. I respectfully request that the CFPB investigate this matter and require the involved parties to provide a clear 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 explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: WA

Complaint narrative:
On or around XX/XX/year>, I was contacted via text message by a company attempting to collect a debt of approximately {$300.00} related to a XXXX account. The message included a link that displayed my name and alleged balance. I did not provide any personal information or make any payment. The same party also contacted me through my work email address, which is inappropriate and unwelcome. I reviewed my credit reports from all three major credit bureaus ( XXXX XXXX and XXXX ) and confirmed that my XXXX account is reported as paid/current with no outstanding balance and no collection account associated with it. I paid off this account previously, and there is no valid debt owed. The attempt to collect this amount appears to be based on inaccurate information or may be a scam. I have not been provided with any formal written validation of this debt. I am requesting that this company cease all communication with me, especially at my place of employment, and provide proper validation of the alleged debt if they believe it is legitimate. I am also requesting that this matter be reviewed for potential violations of fair debt collection practices, including attempting to collect a debt that is not owed and contacting me at my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
Mohela student loan has changed my username 4 times without my consent. They have also changed my email address without my consent. Getting in contact with a representative is almost impossible and I keep getting differing loan details including amounts, due dates, etc. I had to call to get my email corrected. Once I got my email corrected, my username for the website changed. When going to forgot userID it sends me my userID ( that is NOT my most current userID ) and then when entering, says its not correct information.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: OR

Complaint narrative:
I signed up w XXXX XXXX XXXX for the XXXX XXXX XXXX which is a free service because I am XXXX and am on a XXXX program that offers this free.When I signed up they had a promotion for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$180.00}. A one time payment w debit card and then noticed when I got out of the hospital in XXXX and looking at my XXXX and XXXX statements that they had taken out 3 additional charges in XXXX XXXX and XXXX. I contacted XXXX XXXX XXXX XXXX and they refunded me the XXXX transaction of {$180.00} due to there error They also took {$16.00} each time they took the {$180.00} in XXXX, XXXX and XXXX which is a total of {$360.00} + $ XXXX {$410.00}. They put a total of {$180.00} back on my card in XXXX The bank knew they refunded me for the first transaction admitting fault but they still said i authorized the transactions and refused to read all of the copies of the statements I sent to them along with a receipt for the payment returned to me for the XXXX transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These transactions were made in XX/XX/year>. In XX/XX/year>, I was promised a full refund of my money due to a confirmed scam and instead the company permantly closed my account and refused to pay me back my stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY

Complaint narrative:
After receiving insurance pre-authorization I went for an XXXX at XXXX XXXX. After wards I received a bill, tried calling XXXX XXXX a number of times, finally reached a representative who said it's a system error and will look into it. Then received another bill, called again on XX/XX/XXXX where XXXX said the issue is being reviewed. Was told it's an error everything was paid for and the system is being updated. I still kept receiving bills. On XX/XX/XXXX XXXX couldn't help me but transferred me to XXXX who said that he will resolve the system issue and I paid for everything already. On XX/XX/XXXX I filed a complaint with the XXXX Attorney General case number XXXX however I never heard back. Followed up a few times but no response also. On XX/XX/XXXX I received a text message from the collection agency and called XXXX XXXX right away. Supervisor XXXX XXXX demanded money. This is extremely stressful and time consuming. I am tired of spending so much time and nerve cells on these errors that seem like extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
newer, continues to misappropriate funds, putting funds submitted for principle and putting in non requested escrow account, and they double pay insurance already paid. We, multiple times we have submitted paperwork to end escrow account but to no success. they have misappropriated {$10000.00} and counting. customer service says problem is solved, then we notice thousands of dollars missing from our account. PLEASE HELP!!!!!!!! Newrez Mortgage will not stop ripping us off. We are trying aggressively to pay off our loan and they are stealing forms. 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 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My Amex XXXX card was closed for no reason. I never requested a closure. I called them to reinstate it, but Amex customer service would help. All I need to have this card reenabled. I paid {$890.00} for currents year and closing this card is pure fraud and denial of paid service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
On my credit report they said they're the original debtor but I have never heard of them if they bought the debt from some I don't know who but I don't owe nobody that kind of money this is crazy never heard of this company that is harassing me by email me about money thats crazy even the email doesn't say that theyre a third party I don't who owe them but its not 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 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
On Sunday morning I received a text saying my account was restricted for no reason they.blocked access to my debit card my money I havent.been able to touch or spend my own money they asked me to upload documents I did I uploaded everything they asked fit they said by Wednesday it will.be unlocked today is Wednesday still not unlocked I have no food no litter for my cats Im broke all my money is In this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
My main issue is the company contacted someone i am affliated with but did not list on my application as employment or a reference. It was mentioned i do contract work for the company we both work for but thats it. The manager is a personal friend with this person and decided to message them after I was unable to answer ONE phone call while i was at my day job. This person informed me they messaged them asking where i was at, this person had no knowledge of my loan previously. They were not listed as an employer in any way on my paperwork. When confronted about the message she tried to say it was emplyment verification, but this again was never listed as emplyment on my application or any paperwork to my knowledge. My personal business was shared with someone no affiliated with my debt at all, and harrassed for information on my whereabouts, not employment verification. I did not authorize for this person to know I had a loan with anyone. I want to request that the company no longer contact myself or anyone related to my account as a reference or employer, only myself in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a deceptive auto financing transaction involving XXXX XXXX XXXX. On XX/XX/XXXX, I visited the dealership after seeing a XXXX XXXX advertisement for a XXXX XXXX XXXX XXXX XXXX listed at approximately {$13000.00}. I was told the vehicle was available and went to the dealership based on that representation. Upon arrival, I was informed the advertised vehicle was not available and was instead offered a different vehicle under similar terms, which constitutes a bait-and-switch practice. During the purchase process, I was not provided with a complete Retail Installment Sales Contract ( RISC ). I was only shown a signature page on a screen and was not given a proper explanation of the financial terms. I later discovered that the total financed amount was significantly higher than expected ( approximately {$30000.00} ), far above the originally represented price. I was not given a copy of the RISC at the time of signing and had to request it later from the financing company. Additionally, I made a {$10000.00} down payment in two separate transactions of {$5000.00} each. These charges appeared under a different merchant name ( XXXX XXXX XXXX ) instead of XXXX XXXX XXXX, which raises serious concerns about the legitimacy of the transaction. The day after the purchase ( XX/XX/XXXX ), I immediately contacted both the dealership and the lender to dispute the transaction and request cancellation due to the discrepancies and lack of disclosure. On XX/XX/XXXX, I formally requested cancellation of the loan and a full refund of my down payment. The vehicle was returned to the dealership on XX/XX/XXXX. Despite this, the dealership has failed to refund my {$10000.00} down payment. Instead, they have stated that they will inspect the vehicle and determine how much they may return, which is unacceptable given that the transaction was based on deceptive practices. Furthermore, I have documented multiple online listings of the same vehicle being advertised even before it was returned, with inconsistent mileage, locations, and seller identities, indicating potential ongoing deceptive conduct. I am requesting a full refund of my {$10000.00} down payment and a formal investigation into these business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: PNC Bank N.A.
State: GA

Complaint narrative:
I disputed a charge in XX/XX/year> against XXXX XXXX, for which they had been paid in advance for XXXX phone service. PNC BANK denied the chargeback and would not make it clear to me why. XXXX XXXX took my money, failed to provide the service I needed, and would not respond to the FCC. case # XXXX. It has been my experience with PNC BANK that they try to encourage you to drop the case so that it is less work for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
I am submitting this complaint because I am seriously concerned about how my disputes are currently being handled by Chime, and I believe the investigation process is inconsistent and potentially unfair. On XX/XX/XXXX, I filed multiple disputes over the phone for transactions involving the same merchant and the same issue. I clearly explained that all transactions were part of one case involving unauthorized or misleading charges tied to false advertising. Despite this, Chime separated each transaction into individual disputes. I provided the same four supporting documents for every dispute. These documents include proof that the merchant acknowledged the issue and agreed to refund transactions from the last 14 days starting XX/XX/XXXX, when I requested account closure. Chime has already approved several lower-dollar disputes ( primarily {$19.00} and under ) using these exact same documents. However, for higher-dollar transactions ( {$34.00} and above ), I was sent an email on XX/XX/XXXX requesting additional information and told those disputes are still under investigation. This raises serious concerns : The same documentation was accepted for some disputes but not others All disputes involve the same merchant and same issue All disputes were filed at the same time There has been no clear explanation for the different outcomes I currently have over 20+ disputes still open, while others from the same case have already been approved. Customer service has not provided any meaningful explanation and continues to say that the investigation team determines outcomes, without addressing the inconsistency. Because of this, I am worried that the remaining disputesespecially the higher-dollar onesare not being handled fairly or consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX BUSINESS XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Amount {$93000.00} Subject : Formal Dispute Incorrect Personal Credit Reporting of Business Loan To Whom It May Concern, I am writing to formally dispute the reporting of an auto loan associated with my business that is currently appearing on my personal credit report. On XX/XX/2026, I entered into a financing agreement through XXXX XXXX of XXXX for a vehicle intended strictly for business use. At the time of the transaction, I made it clear that the loan was to be structured and reported under my business, not as a personal obligation. I was explicitly informed that the account would report only to my business credit and would not appear on my personal credit report unless there was a default. Contrary to these representations, this account is now being reported on my personal credit profile. This is inaccurate and does not reflect the terms as they were presented to me at the time of signing. This misreporting has negatively impacted my personal credit and financial standing. I am requesting the following actions immediately : A full investigation into this matter Removal of this account from my personal credit report Correction of all reporting to reflect business-only liability Written confirmation once the correction has been completed Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ). If this matter is not resolved promptly, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau and pursuing further legal remedies. I expect a timely response within the required investigation period. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: TX

Complaint narrative:
Can you show me, in writing, a legal contract I signed with your company? You can not, and therefore must delete all documents and reports bearing my name within 5 days of receiving this notice. These are violations of my civil rights 15 U.S.C. 1692e False or Misleading Representation 15 U.S.C. 1692f Unfair Collection Practices 15 U.S.C. 1692g Debt Validation Requirement Your company has also been reported to the Fair Debt Collection Practices Act ( FDCPA, Fair Credit Reporting Act ( FCRA ) Consumer Financial Protection Bureau And Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I am filing this complaint due to the severe and ongoing harm Affirm is causing to my credit profile through inaccurate and damaging reporting. These accounts have driven my score into the low XXXX, directly impacting my ability to obtain housing, transportation, and basic financial opportunities. I have disputed these accounts, yet they continue to be reported without proper validation. This is unacceptable and a violation of my rights to accurate credit reporting. Affirm has failed to provide sufficient proof that these accounts are valid, yet continues to report them, causing measurable financial harm. I am demanding an immediate and thorough investigation. If Affirm can not fully verify these accounts with proper documentation, they must be removed from my credit report without delay. Continued reporting of unverified or inaccurate information will leave me no choice but to pursue further legal action. I expect prompt resolution and accountability.

Company response to consumer: Closed with explanation