vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
I am filing a new complaint against XXXX XXXX  United Auto Credit XXXX XXXX because, despite my initial CFPB complaint, I am still receiving repeated and harassing communications from the same deficiency representative, XXXX XXXX XXXX XXXX XXXX XXXX  without my issue being resolved. 

XXXX XXXX XXXX XXXX XXXX Ongoing Harassment After Filing My First Complaint XXXX XXXX Since submitting my initial complaint, I have continued receiving XXXX XXXX multiple phone calls XXXX XXXX  from the same representative, XXXX XXXX XXXX XXXX XXXX XXXX, who keeps demanding payment even though the matter is still under review and has not been resolved. 

XXXX XXXX XXXX XXXX XXXX  Threatening Email Received XXXX XXXX I also received a threatening email that stated XXXX XXXX My XXXX has reviewed your account that is in our office. Please be advised that your place of employment has been verified and the next step to your account will be possible legal action if your XXXX payment is not made today XX/XX/year>. Please give United Auto Credit a call immediately at XXXX XXXX XXXX XXXX XXXX XXXX and ask for XXXX XXXX. I look forward to speaking with you to help you get this matter resolved. 

This message is extremely concerning because : XXXX It references XXXX XXXX employment verification XXXX XXXX which is intimidating and unnecessary. 
XXXX It threatens XXXX XXXX possible legal action XXXX XXXX  while my complaint is still active and unresolved. 
XXXX  It pressures me to make a payment immediately. 
XXXX It appears to be a violation of XXXX XXXX FDCPA 1692d XXXX XXXX ( harassment ), 1692e ( false or misleading threats ), and 1692g ( continuing collection while a dispute is active ). 
XXXX It disregards the fact that a CFPB complaint was already open. 

XXXX XXXX Why This Complaint Is New XXXX XXXX  The ongoing calls XXXX XXXX after XXXX XXXX my initial complaint, and the threatening email referencing my employer and legal action, are XXXX XXXX  new violations * * that occurred after my previous submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
i was scammed and lost {$2000.00}. It happened XXXX weeks ago. I had enough $ in my account to have what would be a negative balance, covered the minute the checks bounced. They locked my account after realizing the second check was fraudulent. The problem follows. Ihave been in contact with a banker there, XXXX XXXX, whom has been as helpful as he can be. The problem is with the " back office '' who have been telling me every other day, for the past XXXX weeks, that my account will be unlocked within XXXX hours. I had transferred {$1500.00} there ( i had lost everything i had in the account, ) from my external savings account, because i thought it was going to be unlocked within the next week at the latest. They allowed that money to be deposited despite the account being locked ; they said all transactions would be rejected, in or out. It seems to me that it will never be opened at this point, with my money in there. The account can not be closed until it is reopened, so i have lost another {$1500.00}. I am a student, studying to become a nurse, on welfare, and not with a lot of money. They have lied to me ( and XXXX, whom has filed a complaint on my behalf ) time and time again that i will once again have access to my account. it's very distressing how i am left without money and with lies and i have no idea how to encourage them to live up to their word and stop putting it off. i am a student ( was scammed through my XXXX account, reported it to the XXXX police, the department of agriculturXXXX and consumer protection, and the city police ) and a part time XXXX, this is extremely upsetting for me and i have no idea how else to proceed but report it to try and get their attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I disputed an alleged XXXX account with Midland Credit Management and requested full validation under 15 U.S.C. 1692g. Midland responded with an affidavit of sale, a pool of chargedoff accounts, several billing statements, and a letter from XXXX. After reviewing these documents, I determined that they do not constitute proper validation. 
The affidavit of sale and pool of accounts are generic and do not specifically identify my account or establish a complete chain of title. No bill of sale or assignment showing transfer of this specific account to Midland Credit Management was provided. The documents also fail to demonstrate that Midland has legal standing or authority to collect this alleged debt.

Because proper validation has not been provided, I continue to dispute the debt in its entirety. Under 15 U.S.C. 1692g ( b ), Midland must cease all collection activity until full validation is provided. If they are reporting this account to any consumer reporting agency, they are required to mark it as disputed or delete the tradeline due to lack of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLC/Resurgent Capital Services continued collection activity on a disputed dent after providing insufficient validation.

I timely disputed this alleged debt and requested validation pursuant to the Fair Debt Collection Practices Act. LVNV/Resurgent responded only with internal account summaries. These summaries did not include proof of ownership, a bill of sale, chain of assignment, or contractual documentation establishing LVNV's/Resurgent legal authority to collect.

Despite failing to provide proper validation, LVNV/Resurgent has continued collection activity through calls and text messages. At the same time, LVNV/Resurgent removed the account from my XXXX  credit report and has not reported new updates to XXXX or XXXX for nearly a month, demonstrating inconsistent handling of the alleged debt. 

Continued collection activity after an unresolved validation request violates FDCPA 1692g ( b ). The use of calls and text messages while the debt remains disputed also constitutes misleading and unfair collection practices under FDCPA 1692e.

I am requesting that LVNV Funding LLC/Resurgent cease all collection activity and permanently delete this account from ALL consumer reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CO

Complaint narrative:
I submitted a PSLF buyback request on XX/XX/year> and have not received a decision, status update, or timeline for completion. 

I currently need only four additional qualifying months to reach eligibility for Public Service Loan Forgiveness. The months I am seeking to buy back correspond to periods when I was placed in forbearance while MOHELA was processing my Income-Driven Repayment ( IDR ) request. I remained in qualifying public service employment during these months. 

This buyback request has now been pending for several months without communication. The prolonged delay is preventing resolution of my PSLF eligibility despite my proximity to forgiveness. 

I am requesting that Federal Student Aid review and complete processing of my PSLF buyback request, or provide a clear status update and expected timeline. 

I have attached screenshots of my Federal Student Aid dashboard showing my current PSLF payment count and the months I am seeking to buy back, as well as confirmation of the date my buyback request was submitted.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am submitting this complaint to dispute inaccurate late payment remarks reported on my credit file. These late payment entries are incorrect and do not accurately reflect my payment history.

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 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XX/XX/XXXX or XXXX one of them days I got a hotel room for 4 days at XXXX XXXX i was going to check in on XX/XX/XXXX I had XXXX on XX/XX/year> I stay with someone I wanted to be alone the hotel took my money XXXX out of my account wall motel did not honor my stay the lady was giving me the run around so I left the motel I as for my money back from PNC Bank they refuse to give me my money back saying they could not get it back from walls motel what that have to do with me i ask them its been 3 months no money return Pnc refuse to give my money back I been waiting for 3 months today I didn't stay at the walls motel at all I want and need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone accessed my paypal account to make an unauthorized purchase to XXXX for {$1400.00}. The person is from Ohio and I live in California. XXXX and bank have been slow to respond and I have money missing from my account.

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 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I open a navy federal savings and checkings I banked with them for months and months that is how I payed all my bills with the bank some random day I tryed logging in my mobile app and it was locked so I called and they told me they cant tell me why they locked my account I have to go to a branch so I drove XXXXXXXX XXXX to navy federal bank and they couldnt help so I filed a appeal and now it is past XXXX days and I send ally documents in that was needed and my account is still locked with explanation why they locked it in the first place plus I still had money in my account and I can not get or didnt get back XXXX XXXX  on my bills because I have not way to pay that is what I used navy federal bank for this is affecting my daily living

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing a complaint regarding a denied credit card dispute in the amount of {$2100.00} related to an XXXX stay. 

I submitted extensive photo and video evidence showing unsafe and unsanitary conditions, including insects, spiders, and unclean bedding. My minor child developed a skin reaction, and due to health and safety concerns, I was forced to leave the property immediately. 

In addition to the above, there was a serious security incident. The hosts own written policy states that guests must be notified in advance if maintenance or cleaning staff enter the property. I was never notified of any such entry. When I returned to the property, I found all exterior doors wide open to the street, not merely unlocked. When I asked who had entered the property, neither the host nor XXXX could identify who accessed the unit. 

Despite submitting this evidence and communicating with both XXXX and the bank, my claim was denied for insufficient evidence without a clear explanation or an opportunity to address the merchants response. 

This dispute involves the safety and well-being of a minor, and I believe the claim was improperly reviewed. 

During the initial denial, the bank referenced multiple documents provided by XXXX ; however, those documents were unclear, generic, and did not directly address the unsafe and unsanitary conditions I documented. 

I was not provided with a clear explanation of how my photo and video evidence was evaluated or why the merchants unclear response outweighed documented health and safety concerns involving a minor child.

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 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
Failure to pay homeowners insurance result in canceling policy. Cost increase for new policy due in result.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
b'I am submitting this complaint regarding unauthorized transactions processed by Coinbase using my XXXXlinked debit card, without my knowledge or consent.\nI was directed to a deceptive website through a social media advertisement. The website falsely claimed that a free subscription was required only for access or age verification and explicitly stated that no charges would be made. Based on those deceptive representations, I entered my debit card details. No charges were disclosed or processed at that time.\nThe card information was provided solely due to these misleading representations and did not constitute authorization for any electronic fund transfers, delayed charges, recurring charges, or transactions to Coinbase or any thirdparty merchant.\nTwo days later, I discovered multiple unauthorized transactions processed by Coinbase. I do not have a Coinbase account, and no one in my household has a Coinbase account. I have never authorized Coinbase to store, XXXX, or charge my debit card.\nBased on the timing and circumstances, I strongly believe my card information was compromised or misused after being collected by the deceptive website, without my knowledge or consent.\nI promptly reported the unauthorized transactions to my bank and payment provider and opened a dispute as soon as I became aware of the fraud. Due to suspected card compromise, my debit card was replaced. Despite my timely report, the disputed transactions remain unresolved.\nUnder the Electronic Fund Transfer Act (EFTA) and applicable consumer protection laws, these transactions constitute unauthorized electronic fund transfers.\nCard Information (for Identification Purposes Only)\nPayment method: XXXXlinked debit card\nCard number: Debit card XXXX XXXX XXXX XXXX\nCard status: Replaced due to suspected fraud\n\nUnauthorized Transactions\nCOINBASE Purchase XXXX XXXX XXXX XXXX Coinbase Purchase XXXX XXXX XXXX XXXX\nThese transactions were not authorized by me in any form.\nResolution Requested\nI respectfully request that Coinbase:\nConduct a full fraud investigation\nReverse and refund all unauthorized transactions\nConfirm that no Coinbase account exists under my identity\nEnsure my card details are permanently removed from any Coinbase systems\nIf this matter cannot be resolved through the CFPB complaint resolution process, I respectfully reserve my right to pursue additional legal remedies available to me, including filing a claim in Small Claims Court.\nThank you for your time and assistance in reviewing this matter.\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage was taken over by Shellpoint XX/XX/year> from XXXX XXXX. I started to see an escrow charge of {$250.00} on my bill, so I called and was told it was for taxes and insurance. Over a few months I informed them I had and was paying for those charges for the entire time of my mortgage. I send them information of my payments and they informed me they would cancell the payments to these accounts. Next month and from thereafter, they are still charging the escrow amount on the bill. I have informed them about the charge, but they continue. I do not know what I can do next, I owed {$170000.00} at the start of my time with Shellpoint and they have continued to charge my account those escrow charges. This month they have increased the charge. If figured that I have 10 more years to pay off the mortgage, so that means I would be charged an extra {$30000.00} on this mortgage by Shellpoint. What can be done to stop them from charging me this money. I am XXXX years of age and need your help. 
Please, 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 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have opportunity to dispute this account. If you believe you sent proper notification, pleas provide XXXXCertified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MI

Complaint narrative:
My Chime account was closed. I was informed my remaining balance would be refunded within XXXX days or resolved. That time has passed. Chime has refused to release my funds and phone support provides no resolution. I am requesting immediate release of my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, unauthorized charges of over {$4000.00} were made on my Bank of America credit card. Due to the weekend and a federal holiday on XX/XX/XXXX, the charges did not post until XX/XX/XXXX and shortly after. 

On XX/XX/XXXX, immediately after noticing the charges, I locked my card and contacted Bank of America to report the fraud and request an investigation. I also asked whether they could identify which card ( primary or authorized user ) was used. I was told that information would not be told until the investigation was complete. 

The charges occurred in XXXX XXXX, which is not my state of residence. Neither I nor any authorized users traveled to XXXX XXXX during this time. I informed the representative that I had both physical cards in my possession at all times. One of the cards still had its original sticker intact. 

Out of six unauthorized charges, Bank of America initially issued provisional credit for only four. I had to call again on XX/XX/XXXX to dispute the remaining two charges. During these calls, I was told the transactions were made using the cards chip, which Bank of America appeared to rely on in denying full credit, despite my confirmation that both cards were physically in my possession. Furthermore, Bank of America informed me that an additional transaction with one of the vendors had previously been declined and therefore did not appear in my posted transactions. However, they did not explain why the transaction was declined, when it occurred, or how it factored into their investigation.

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