vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute Koalifis failure to honor a contract modification that was explicitly agreed upon prior to XX/XX/XXXX, and its subsequent attempt to impose improper interest charges and payment obligations that I did not consent to. 

Background and XXXX XXXX to XX/XX/XXXX, I contacted Koalifi to proactively address a temporary financial hardship caused by a government shutdown that halted my wages. During multiple phone conversations with Koalifi representatives, I explicitly stated that I required an extension of my early payment option deadline. Koalifi representatives expressly agreed to the following terms : 1. A one-month pause on required payments, and 2. An extension of my early payment option deadline to account for the wage interruption.

This extension was the primary and material condition of my agreement. I relied on these representations in good faith.

Koalifis Failure to Perform Despite confirming a hardship enrollment, Koalifi failed to update my account to reflect the agreed-upon early payment option extension. Koalifis written response dated XX/XX/XXXX only references a payment pause and omits any acknowledgment of the early payment extension, despite this being clearly requested and agreed to. 

As a direct result of Koalifis failure : My early payment option improperly lapsed, My balance was converted to a 12-month lease structure, and Interest charges increased my balance from approximately {$900.00} ( under the XXXX early XXXX option ) to over {$2000.00}. 

I do not consent to this lease conversion, interest accrual, or payment structure. These charges are inconsistent with the agreement reached prior to XX/XX/XXXX and constitute improper billing. 

Attempts to Resolve I have made repeated good-faith attempts to resolve this matter directly with Koalifi, including phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as multiple written communications sent from XXXX. Koalifi has failed to provide a substantive response or correct my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
Issue Summary : This complaint concerns a separated spousal consolidation loan where the borrowers full payment history since 1991 was " lost '', preventing proper IDR forgiveness review. Prior attempts to reach the FSA Ombudsman portal failed due to system unavailability. E-mails were returned.

Request for manual review, payment history reconstruction, and correction of IDR qualifying payment counts after separation of a spousal consolidated loan. This loan was separated nearly a year ago and the account adjustment was promised in XXXX. It is now 7 months later. 
Details : I am requesting assistance because my student loan history was not correctly transferred or credited after the separation of my former Spousal Consolidation Loan ( XXXX ) under the Joint Consolidation Loan Separation Act. 
My original loans date back to XXXX, and I have been in repayment for more than 30 years. When the spousal consolidation was separated and reconsolidated into Direct Loans, my entire pre-consolidation and pre-separation payment history disappeared from my loan record. My current servicer shows my repayment history as starting only at the time of separation, which is incorrect. 
Because of this error : Decades of qualifying repayment time are missing. 
My IDR qualifying payment count is inaccurate and does not reflect the full repayment timeline since XXXX 
I have effectively lost all credit toward the XXXX forgiveness period, even though I have far exceeded that time. 
My spouses separated portion shows similar issues. 
I am requesting : 1. A full Payment History Reconstruction for all loans associated with the original spousal consolidated loan.

2. Retroactive application of all qualifying repayment time under the IDR Account Adjustment, including : o time in repayment on original loans since XXXX o time under the spousal consolidated loan, o time prior to and after separation, o long-term deferments and forbearances that now count under federal policy. 
XXXX. Correction of my IDR qualifying payment count to reflect the true timeline, which should place me past the XXXX forgiveness threshold. 
XXXX. A formal review by the Department of Education, as the loan servicer has been unable to resolve this and does not seem knowledgeable about the consolidated spousal loans issues with separation and loan history. 
This situation has been ongoing for years, and normal servicer channels have not been able to assist. I am requesting direct intervention from the Ombudsman XXXX to restore my payment history and ensure accurate application of the XXXX forgiveness rules. 


Thank you for your help. 


Respectfully, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: AZ

Complaint narrative:
I provided my name, address, zip code, social security, the amount collected, the email, receipt and case referring on order karma. The national recovery agency settled the debt, the a new case with Avante debt collections is pursuing me for the same debt and visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XX/XX/XXXX Via Certified Mail Return Receipt Requested Formal Dispute Under FCRA 611 ( 15 U.S.C. 1681i ) To Whom It May Concern, I am disputing the accuracy, completeness, and verifiability of the following account appearing on my consumer report : Furnisher : XXXX XXXX XXXX Account Number : XXXX This account is being reported as a collection by a debt buyer, yet the information furnished is materially incomplete, internally inconsistent, and unverifiable, in violation of the Fair Credit Reporting Act. 

Specific Grounds for Dispute 1. Failure to Verify Debt Buyer Authority As a third-party debt buyer, Midland

must be able to verify : Legal ownership of the account A complete chain of title from the original creditor Authority to collect and report Absent this documentation, continued reporting violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 1 ) ( A ). 2. Inaccurate and Misleading Balance Reporting The a
ccount reflects an original balance of {$1100.00} and a current balance of {$180.00} with no itemization, payment history, or contractual basis for the reduction. Reporting a materially altered balance without explanation constitutes misleading and incomplete reporting under 15 U.S.C. 1681e ( b ).

3. Incomplete Metro 2 Data Fields The tradeline reports Terms : 1 Month, which is facially inconsistent with a collection account and indicates non-compliance with Metro 2 standards, rendering the information incomplete and unreliable.

4. Improper Reinvestigation Standards Any verification that relies solely on automated confirmation rather than documentary evidence fails the reinvestigation requirement under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Demand for Permanent Deletion Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if this account can not be verified with competent evidence and full compliance, it must be permanently deleted from my credit file.

Please provide written confirmation of deletion. Failure to comply will result in complaints filed with the CFPB, my State Attorney General, and consideration of remedies under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On Sunday XX/XX/year> I called to make payment arrangement due to hardship. I am submitting this complaint regarding Capital One Auto Finances handling of payment assistance options for borrowers experiencing financial hardship.

I contacted Capital One Auto Finance to request payment assistance due to financial difficulties. Despite communicating my hardship and seeking available options, the company failed to provide clear, consistent, or meaningful assistance. I experienced delays and unclear or conflicting information regarding hardship or payment relief options.

As a result, I was unable to access reasonable payment assistance in a timely manner, which caused additional financial harm and stress. Capital One Auto Finance did not adequately explain available options or follow through on representations made regarding hardship support.

I attempted to resolve this issue directly with the company, but it has not been corrected. I am requesting a full review of my account, a written explanation of available hardship options, correction of any resulting errors or fees, and confirmation of my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
1. Company Name : Midland Credit Management , Inc .

2. Account Number : [ Include the account number if known ] 3. Nature of Complaint : Cease and Desist Request : On [ Date you sent the letter ], I sent a formal cease and desist letter to Midland Credit Management , Inc. requesting that they stop all communication with me, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Violation of FDCPA : Despite this request, Midland Credit Management has continued to contact me via [ phone calls, emails, etc. ]. This ongoing communication is a direct violation of my request and the FDCPA.

Impact : This ongoing contact has caused me significant distress and inconvenience, and I am seeking resolution and enforcement of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Complaint Unfair and Abusive Overdraft Fees on Small Business Account Financial Institution : JPMorgan Chase Bank , N.A . 
Account Type : Chase Performance Business Checking Business Name :XX/XX/XXXXXXXX Statement Period : XX/XX/year> XX/XX/year> I am filing a complaint regarding {$810.00} in service charges, including {$780.00} in overdraft fees, assessed to my small business checking account during the referenced statement period. 

Chase charged XXXX overdraft items at {$34.00} each, totaling {$780.00}, in addition to a XX/XX/XXXX monthly service fee These fees were assessed over a short period while the account was actively receiving deposits, totaling {$8500.00}, reflecting good-faith efforts to cure any negative balance. 

The overdraft fees were disproportionate to the underlying transactions, many of which were small-dollar ACH and card payments, and were charged in rapid succession without a meaningful opportunity to cure. The compounding effect of these fees materially worsened the account balance rather than mitigating risk. 

This pattern raises concerns under unfair and abusive acts or practices ( XXXX ) standards, as the fee structure functioned punitively and created a cycle of re-overdraft for a small business experiencing temporary cash-flow hardship. 

Requested Resolution : I request a full review and refund or substantial reversal of the {$780.00} in overdraft fees, along with written confirmation of resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Account ending inXX/XX/XXXXXXXX Phone number XXXX Email ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RevNow LLC
State: OH

Complaint narrative:
XX/XX/XXXXDear RevNowXX/XX/XXXXI recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. XX/XX/XXXXIn accordance with the Fair Debt Collection Practices Act (FDCPA), I request the following information: XX/XX/XXXX. The name and address of the original creditor and the current creditor.XX/XX/XXXXVerification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.XX/XX/XXXX Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditorXX/XX/XXXX Proof that the original creditor securitized the debt. XX/XX/XXXX Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.XX/XX/XXXXPlease cease and desist from collecting on this debt until you have provided validation of the debt. XX/XX/XXXXAdditionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. XX/XX/XXXXPermissible PurposeXX/XX/XXXXPlease state your permissible purpose for accessing my credit information. I dispute your right to do soXX/XX/XXXXNotification to Other CollectorsXX/XX/XXXXI dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. XX/XX/XXXXThank you for your prompt attention to this matter.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency Capital OneXX/XX/XXXXXXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. XXXX ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
In XX/XX/scrub> 2025, I sent a formal debt validation request to the company under the Fair Debt Collection Practices Act ( FDCPA ), asking them to validate the debt. The company never provided the requested validation and continued to attempt collection. This is a violation of the FDCPA. I'm asking the CFPB to require the company to stop collection efforts until they properly validate the debt as required by law.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a credit card in my mail in my name for a store called XXXX XXXX issued by Wells Fargo that I did not request. I cancelled the card with Wells Fargo but they insist I speak to their fraud department so that my credit is not affected. I have spent a total of XXXX XXXX on hold for their fraud line over the course of XXXX days, never reaching an individual. I call Wells Fargo back who then claim that they can not help, only the fraud department can and that they are busy.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Companies : PayPal, XXXX XXXX XXXX Product : Digital payments/ peer-to-peer transfers/ in-app purchases Complaint Description I am filing a complaint against PayPal and XXXX XXXX XXXX XXXX for unauthorized electronic fund transfers, merchant identity misrepresentation, improper dispute handling, and withholding of winnings. 
I made deposits into mobile game applications believing I was paying the consumer-facing game brands (XX/XX/XXXXXXXX XXXX XXXX XXXX However, the transactions posted under undisclosed and unfamiliar corporate entities that were never disclosed at the time of payment. 
Examples include : PayPal merchants : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Limited When disputing these transactions, I was repeatedly told that the purchases were made through XXXX or via XXXXXX/XX/XXXX 
However, after reviewing my XXXX XXXX and XXXX XXXX purchase history, none of these merchant names appear, and there are no corresponding transactions showing XXXX as the processor for these charges. 
Despite this contradiction, disputes were denied or delayed without proper investigation. Decisions often relied on statements such as consistent with prior behavior, rather than verification of : Whether the merchant identity was properly disclosed Whether the transaction was authorized Whether XXXX was actually involved Several disputes have remained open since XX/XX/year>2025, far exceeding reasonable investigation timelines required under the Electronic Fund Transfer Act ( Regulation XXXX ). 
Additionally, after deposits were accepted, multiple game accounts were closed, and winnings were denied or withheld, despite meeting stated payout requirements. No documentation or valid explanation for these closures was provided. 
I am requesting a Regulation XX/XX/XXXXcompliant reinvestigation, correction of inaccurate statements attributing charges to XXXX, disclosure of true merchant identities, reimbursement for unauthorized transfers, and resolution of withheld winnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: AR

Complaint narrative:
Freedom promised to take care of credit card personal loans was paying more then credit card bill was got sued by discover they only took care of about XXXX present was charging over XXXX a month

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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