vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding XXXX XXXX XXXX College and my student loan servicing. Before enrolling at XXXX XXXX XXXX College ( XXXX campus ), I was clearly told that my credits would transfer to other accredited colleges. Based on that representation, I made the decision to enroll and take out student loans. I now owe approximately {$30000.00} in student loan debt. The XXXX campus I attended has since closed. I am now left with substantial debt for an education that can not be used as promised. After attempting to transfer my credits to XXXX XXXX College, I was informed that my credits would not transfer because the instructors were not considered credible. I was told I would need to retake courses. Had I known my credits would not transfer, I would not have enrolled or taken out these loans. Additionally, my student loan was transferred from XXXX to Advantage. I was not properly notified of this transfer and did not provide consent. XXXX is no longer permitted to service certain federal student loans, and I was not clearly informed about what this meant for my I am requesting : A full investigation into XXXX XXXX XXXX Colleges representations about credit transferability. A review of the loan transfer from XXXX to Advantage and whether proper notice was given. Relief from this debt due to misrepresentation and campus closure. Documentation of all communications regarding my loan transfer. This situation has caused significant financial hardship. I respectfully request assistance in resolving this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Validation of Debt Request - CAINE & WEINER XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I sent a letter stating how much I am able to pay until the amount is paid in full and I am still receiving calls

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Stellantis Financial Services US Corp.
State: AR

Complaint narrative:
Original Amount Financed : {$35000.00} Interest Rate : 16.50 % APR Estimated Maturity Date : XX/XX/XXXX Accepted Payments Only : ( Partial Payments are not accepted on the customer portal ) Total Paid : {$31000.00} Number of Payments : XXXX Average Payment : {$500.00} Payment Period : XX/XX/XXXX XX/XX/XXXX ( approx. XXXX months ) Current Principal Balance ( as of XX/XX/XXXX ) : {$23000.00} Past Due Amount : {$2100.00} Late Charges Due : {$93.00} The borrower has paid approximately 89 % of the original amount financed, totaling {$31000.00}. Despite this substantial repayment, the remaining principal balance is approximately {$23000.00}. The 16.50 % APR and interest-dominant amortization structure have significantly limited principal reduction. The borrower is seeking a sustainable repayment structure and interest rate adjustment to ensure full satisfaction of the loan and prevent further compounding of interest and fees

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 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC for illegally reporting a debt on my credit reports that does not belong to me and for violating multiple federal laws in a fraudulent manner. This debt is not mine. I was never notified by mail about this debt, I was never told about it, and I never signed any document creating this obligation. I have no knowledge of this account. It belongs to someone with the same or similar name. All the data they are reporting is factually incorrect, erroneous, and constitutes a direct violation of federal law. Despite sending my formal dispute letter by Certified Mail on XX/XX/year>, which they received on XX/XX/year>, Portfolio Recovery Associates has continued to report this account on XXXX XXXX XXXX XXXX without providing any validation of the debt. More than XXXX days have passed and they have not responded, they have not investigated, and most seriously, they have manipulated the account numbers to hide their fraud. On XXXX they report a completely different account number than what they report on XXXX XXXX XXXX This is not an error. This is a deliberate strategy to confuse and avoid detection of their illegal activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-23 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: NY

Complaint narrative:
I am submitting this escalation because Midland Credit Management responded to my prior complaint on XX/XX/year> by stating there may be potential fraud involved, yet they have failed to provide any documentation verifying the alleged debt for account # XXXX. Midlands response confirms the core issue : they can not verify the debt. If Midland believes fraud may be involved, then continued furnishing of this account to consumer reporting agencies is improper and unlawful. A debt collector can not both claim potential fraud and simultaneously report the account as valid and verified. Midland has failed to provide : A signed contract bearing my signature Account-level statements A complete payment history Chain of assignment documentation Any competent evidence establishing that I owe this debt This violates : FCRA 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or should be known to be inaccurate FCRA 1681e ( b ) Reporting unverifiable information FDCPA 1692g ( b ) Failure to properly validate the debt FDCPA 1692e False or misleading representation of the character or legal status of a debt If Midland suspects fraud, the proper course of action is to : Suspend furnishing immediately Conduct a documented investigation Provide the required validation documentation Instead, Midland continues to report the account without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I've had a Credit Karma money account for a very long time. Years. I always receive notices and emails encouraging me to have my tax refund deposited into that account. I filed this year and after I filed, a few weeks later Credit Karma has frozen my account. When I asked why, they can not give me any explanation, except that my account was considered high risk. I explained several times that my tax refund money is being deposited into that account. They explained that the account is going to be closed but could take 7-14days to do that. The account is still frozen as of right now and my tax refund is due to be deposited in two days. No money can be transferred out, but they will still accept any deposit that comes in. Which means once the money is deposited, it will be sitting there with no way for me to access it, because the account is still frozen. I asked Credit Karma to hurry up and close the account, so that it will automatically be sent back to the IRS and a paper check can be issued to me. They refused to do that as well. They have put me in a very bad situation, with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: TN

Complaint narrative:
North American Credit Services, ( XXXX ) XXXX is constantly calling me concerning a debt owned by someone else who has the same XXXX and last name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
My credit report was negatively affected by Diversified Adjustment Service , Inc., a debt collector ; for a XXXX account. I have NEVER had a XXXX account. After researching, the debt belongs to someone with the same name as mine. XXXX email from Diversified Adjustment Service , Inc shows the name & address. After discussing with the XXXX credit bureaus, I was directed to report as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I am filing a complaint regarding a private student loan serviced by Navient that I believe was issued under predatory and deceptive circumstances. The loan was taken out while attending XXXX XXXX, a for profit institution, with my last year of attendance being 2009. Despite paying a total of {$57000.00} over the life of this loan, only {$10000.00} has been applied to principal. The remaining {$46000.00} has gone entirely to interest, with an additional {$230.00} in fees. This means more than 81 % of all payments have been absorbed by interest alone, and the principal has barely moved. This appears to be a case of negative amortization, which I did not understand or agree to at the time of origination. The loan carries multiple high interest rates of 8.5 %, 11.75 %, 11.75 %, and 6.75 %, far above federal loan rates available during that period. I was not properly informed of the long term cost, the compounding structure, or the likelihood that my payments would fail to meaningfully reduce the balance. I believe the loan was issued under unfair, deceptive, or abusive acts or practices ( UDAAP ). XXXX XXXX used aggressive recruiting tactics and made representations about career outcomes that did not match reality. I was not given clear or adequate disclosures about the true cost of borrowing or the risks associated with these high interest private loans. Navient has been the subject of multiple state and federal enforcement actions for issuing high risk private loans to students at for profit schools, including loans they allegedly knew borrowers were unlikely to repay. My experience appears consistent with the patterns identified in those cases. I am requesting that the CFPB investigate this loan for predatory characteristics, including : Excessive and disproportionate interest accumulation Negative amortization High risk private loan targeting Inadequate or misleading disclosures Potential violations of consumer protection laws I am seeking a review of the loans legitimacy, a recalculation of the balance, and consideration for discharge, cancellation, or other relief appropriate for predatory private student loans. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
A mortgage that I had with XXXX XXXX XXXXXXXX was transferred to Cross Country Mortgage LLC effective XX/XX/XXXX. At the time of the transfer, my payment of monthly principal and interest was {$920.00}. I had no escrow account or supplements and an escrow balance of {$0.00}. XXXX XXXX XXXX accepted my request to discontinue my escrow account with them and to independently pay for real estate taxes and insurance directly to providers. This arrangement was approved in XX/XX/XXXX and was transferred to Cross Country effective XX/XX/XXXX. After only two months of the transfer, Cross Country performed an analysis and set up an escrow account on my behalf. I was not notified of the analysis nor the establishment of an escrow account on my behalf. They stated that the account they set up had a deficit of {$7600.00} and that my monthly payments would increase to {$2100.00}. On XX/XX/XXXX they paid {$3600.00} to the township for taxes. On XX/XX/XXXX they paid an additional {$1700.00} for township taxes. I was not notified nor consulted that these payments were being made. At the time, no payments were due as all my taxes were paid up until XX/XX/XXXX. I think these actions appear to be an abuse of the escrow process as it appears to negate an agreement set up with my previous mortgage company and allows Cross Country to demand excess cash for which there was no reason for their involvement. Even worse, Cross Country is demanding an amount for monthly payments which is more than double what I initially agreed to with the previous account holder, XXXX XXXX. Their actions jeopardize my ability to have affordable payments for my home and take away my ability to make direct payments which better suit my financial situation. I hope some regulatory agency can intervene to reverse this action, which is clearly unfair and discriminatory,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am formally disputing a collection account that your agency has placed on my credit report without providing me any advance notice or communication. This is my first awareness of this alleged debt, and I have substantial questions regarding its validity and whether it actually belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification and documentation of any debt your agency is attempting to collect. I am exercising this statutory right and demanding that you provide comprehensive validation, including the original creditor 's name, a detailed breakdown of the amount claimed, and documented proof establishing my legal responsibility for this debt. All collection activities and credit reporting must stop immediately until proper validation is provided.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I asked for Synchrony Amazon to update the number associated with multi-factor authentication ( MFA ) because I can not log in. The number displayed is a number I had 10 years ago, but to log in, a code needs to be sent to the number on file. Then I would need to enter it to proceed, but as I never receive the code, I can not complete the process. The Synchrony Amazon reps do not know where it came from ( I have never supplied this number ). I have called 7 times within the past XXXX weeks. In XXXX phone call, a non-technical support manager tried to bypass the MFA requirements. It worked for XXXX login attempt only. Afterwards, I was unable to log in and access my account because the MFA screen popped up requiring me to get a code to that old number. Their technical support has been unable to resolve this issue and I have been calling since the end of XX/XX/year> to today, XXXX XX/XX/year> and no one is able to resolve this. I am extremely frustrated. Also, XXXX XXXX searched trying to find some results, and found that this is not a new issue. People on XXXX called out this exact issue with their Amazon Synchrony account 3 years ago : XXXX 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 2026-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX to XXXX XXXX I have been having issues with improper forbearance, i've called and spoke with customer service on a recorded line multiple times and they did not record my issues properly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: WI

Complaint narrative:
A debt collection company has contacted multiple members of my immediate family ( my mother and all of my brothers ) in an attempt to reach me. My mother was contacted more than once. This goes beyond permitted third-party contact for location purposes and appears to be harassment. I did not authorize contact with my family, and these repeated calls are causing distress. I am requesting that the company cease third-party contact immediately and comply with the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
XX/XX/year> I requested a payoff quote from Credit Fresh that included all and any fees up until XX/XX/XXXX. This was done via chat. I was told it would be done. XX/XX/year> I had to call them to ask for this information and was informed that they can not do that. They can tell me over the phone, but they could not email me a statement with the full amount I owe. I advised them they are able to send me that information to have it in my files and the representative repeatedly said that is not possible, they do not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: OR

Complaint narrative:
On XX/XX/year> I attempted to contact Hunter-Warfield debt collection ( aka HWDC ) agency and try to get a recent statement of my payments. I am trying to get into an apartment and the landlord is requesting this information. Representatives from this agency said they would not provide any documentation until the debt was paid off. I repeated why I needed this information and I was told there would be no providing any documentation of any payment history and I could not view any payment history on their site. I spoke to XXXX customer service agent and XXXX supervisors and was given the same dead end. XXXX person gave a reason why they no longer send out documentation. However the XXXX and final supervisor that I spoke with and my case manager spoke with was rude, and curt. Oftentimes when I tried to explain my situation he would talk over me and get aggressive in his tone. My case manager let him know the conversation was being recorded, and at that time he said his conversations are recorded too and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Elite Portfolio Management, LLC
State: OH

Complaint narrative:
I received a text message from Elite Portfolio for XXXX. Not my debt. Text came from XXXX and was regarding a debt due to XXXX XXXX. It stated that they were reaching out on behalf of XXXX XXXX XXXX in regards to XXXX 's debt owed to XXXX XXXX. My concern is that my info has been breached due to XXXX data breach. I have been getting old debts sent to collections and paid debts charged off debts, closed debts, receipts received for XXXX purchases, some debts mine others not..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I paid the full outstanding balance on my Avant account ending in XXXX in the amount of {$1900.00} and submitted proof of payment and confirmation receipts. Despite satisfying the balance in full, Avant failed to properly update my account to reflect a XXXX balance, Paid in Full status, and closure in good standing. The company also failed to provide a formal receipt and satisfaction/termination letter confirming that no further balance is owed. After receiving full payment and documentation, Avant continued to report inaccurate and misleading information to consumer reporting agencies, including reporting late payments and negative account history that are no longer accurate. I made multiple good-faith attempts to resolve this matter directly with Avant by requesting proper documentation, account closure, and correction of inaccurate reporting. These requests were ignored, delayed, or inadequately addressed. As a result of Avants failure to comply with federal credit reporting and consumer protection requirements, my credit profile has been negatively affected. This has caused unnecessary financial harm, emotional distress, and has interfered with my ability to obtain fair credit terms, housing, and financial opportunities. Avants failure to properly investigate, correct errors, and provide required documentation demonstrates a lack of reasonable procedures to ensure accuracy and compliance with the Fair Credit Reporting Act. I am seeking immediate correction of all inaccurate reporting, permanent closure of this account in good standing, formal written confirmation of satisfaction, and assurance that no further balance is owed

Company response to consumer: Closed with explanation