vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: AL

Complaint narrative:
I am disputing the accuracy of a {$3500.00} line-of-credit balance being collected by Bounce AI on behalf of XXXX XXXX  / XXXX XXXX 

Bounce AI has provided a loan agreement and partial statements but has not provided a complete transaction history, insurance adjustments, or a reconciliation showing how the balance was calculated. 

I requested a full itemization of charges, payments, and credits. Bounce AI refused and closed their investigation, stating I must provide documentation to prove their balance wrong. 

This violates CFPB Regulation F and the FDCPA, which require a debt collector to substantiate the amount claimed when it is disputed.

I am requesting that the CFPB require Bounce AI to provide full validation of the balance or cease collection and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Self Financial Inc.
State: TX

Complaint narrative:
Information involved in identity theft and a data breach. Reached out to all 3 bureau to have information deleted and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Westlake Services, LLC
State: IN

Complaint narrative:
I bought a car from XXXX XXXX XXXX in XXXX, IN, in XXXX, cash off the lot. I went back to the same car lot, wanting to get another car from them, but things were a little different. I didn't have to do much at all, walked in and walked out type of thing gave the car lot salesman {$200.00} and he gave me the keys and plate for the car I NEVER!! Signed anything he sent me a app on how I pay for my car note online. This is my first time doing this because I have always bought my cars off the car lot, never dealt with finance. I put my trust into this car lot just for them to do some fraudulent activity in my name with ( WESTLAKE FINANCE ), who took this paperwork from them. The contact they have is a fraud!! I never paid {$2500.00} to that car lot. Why would I sign a high APR for a used car that I would be paying on for most of my life? like come on now, Westlake Finance is just as fraudulent as XXXXXXXX XXXX XXXX XXXX Why is this company not taking the steps to make sure fraud is not going on just shows this company been doing this type of bad business with car lots. For a long time now, I can only imagine how many more people out here, just like me, are trying to take Westlake to court for fraudulent paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( mo ) 281 SW 715, 719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
Columbia Debt Recvy XX/XX/2025 {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Received a text message with XXXX notification of a lawsuit filed against me in XXXX XXXX Illinois without any acknowledgement of the alleged debt. I have XXXX business with Midland Credit Management and want all reporting removed from my credit immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received credit card bill and found unauthorized charge. Called credit card company and reported fraud. Credit company responded with letter stating " After researching your case, we found insufficient evidence of fraud because : Information we discovered let us to believe you or another account user benefitted from the transaction. '' My response : Re : Case # XXXX Dear Fraud Review Team, I am writing to formally appeal your determination regarding the disputed transaction on my account. 

Your letter states : After researching your case, we found insufficient evidence of fraud because information we discovered leads us to believe you or another account user benefitted from the transaction. 

I respectfully dispute this conclusion. Benefitting from a transaction is not evidence of authorization. I did not authorize this transaction, nor did I grant permission to any authorized user or third party to do so. Any alleged benefit is presumed and does not establish that the transaction was validly authorized by me. 

To date, I have not been provided with evidence demonstrating authorization, such as a signed receipt, chip-and-PIN verification, two-factor authentication confirmation, or any other affirmative proof that I approved this charge. Absent such evidence, the conclusion that the transaction was authorized is unsupported. 

I reported this transaction promptly upon discovery and have consistently maintained that it was unauthorized. Under applicable consumer protections, including the Fair Credit Billing Act, liability for unauthorized transactions can not be assigned based on speculation or inferred benefit alone. 

I respectfully request a reconsideration of this dispute and ask that you : Identify the specific evidence relied upon to conclude authorization, and Reevaluate this claim based on whether authorization occurred, rather than presumed benefit. 
Please confirm receipt of this appeal and advise of the next steps in the review process. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My XXXX  account has been frozen for over two years. I have funds remaining in the account that I am unable to access or transfer. 

I contacted XXXX  multiple times to request an explanation for the freeze and to ask when or how my funds would be released. On XX/XX/2026, XXXX  responded in writing stating that my account is frozen, that no further changes can be made, and that they can not provide any additional information or a reason for the freeze. XXXX  also stated that the funds in my account are not available to me at this time and that they would only contact me if the funds become transferable in the future. 

XXXX  has not provided a timeline for releasing my funds, has not explained the legal basis for withholding the money, and has not indicated whether the funds will be returned to me or sent to the state as unclaimed property. 

I am requesting that XXXX  either release my funds to me or provide a clear written explanation of the reason and legal basis for permanently withholding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear PayPal Support Team, I am writing this email to respectfully request a review of the permanent limitation ( 180-day hold ) placed on my PayPal account : XXXX. 

I was surprised to receive the notification regarding the restriction. I have always valued PayPal as my primary payment method and I truly regret any actions that may have inadvertently triggered your security system or violated your User Agreement.

I would like to clarify and commit to the following : Policy Compliance : I have thoroughly re-read PayPals Acceptable Use Policy. I solemnly commit to strictly adhering to all terms and conditions in all my future transactions.

Transparency : I am willing to provide any additional documentation ( Identity Verification, Proof of Address, or Transaction Invoices ) required to prove the legitimacy of my business/activities.

Resolution : If there were specific transactions that caused concern, please let me know so I can resolve them with the buyers immediately.

My goal is to maintain a long-term, healthy relationship with PayPal. I kindly ask you to reconsider the 180-day limitation and grant me the opportunity to restore my account.

Thank you for your time and for protecting the PayPal community. I look forward to your positive response.

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I am submitting this complaint regarding repeated escrow servicing failures by Newrez LLC related to the handling of my hazard insurance. 

Newrez failed to timely pay required hazard insurance premiums to XXXX XXXX on two separate occasions, resulting in policy cancellation and reinstatement, including an incident in XX/XX/year>. These lapses occurred despite escrow funds being collected for insurance and demonstrate ongoing escrow mismanagement. 

Despite active XXXX XXXX coverage, Newrez authorized a midterm insurance change through XXXX in XXXX XXXX. That policy was later cancelled, confirming it was unnecessary and improperly applied. 

Newrez has failed to adequately explain or resolve these issues. I am requesting CFPB assistance to ensure proper escrow accounting and compliance with servicing requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: KY

Complaint narrative:
On XX/XX/year>, I sent MoneyLion a written request revoking authorization for all automatic ACH debits related to my account. 

On XX/XX/year>, I received written confirmation from MoneyLion Customer Care stating that authorization to automatically draft Instacash payments from my XXXX account and all linked external bank accounts had been successfully revoked. The confirmation stated that once the revocation was in effect, no payments would be processed and that any future repayment emails would be automatically generated only. 

Despite this written revocation and confirmation, MoneyLion continued making repeated ACH debit attempts against my old external bank account between XX/XX/XXXX and XX/XX/year>. These attempts were declined by my bank. 

Due to the continued debit attempts after revocation, I sent a follow-up email to MoneyLion on XX/XX/year>, reiterating that ACH authorization had already been revoked. 
On XX/XX/year>, I received an email from MoneyLion stating that my original revocation request had applied only to Instacash and, for the first time, asserting that I had a XXXX XXXX XXXX XXXX. I dispute this claim. I have never knowingly enrolled in, signed documentation for, or received funds from a XXXX XXXX XXXX XXXX, and this product had never been disclosed or referenced prior to the post-revocation debit attempts. 

On XX/XX/year>, I received another confirmation from MoneyLion stating that ACH authorization had been revoked. Approximately three minutes later, MoneyLion successfully debited my old external bank account, causing the account to be overdrawn by approximately {$1100.00}.

This debit occurred after written revocation of authorization, after multiple declined attempts, and after MoneyLion introduced a new product classification following the revocation. I am disputing this transaction as an unauthorized ACH debit under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Westlake Financial Services in connection with an auto loan for a vehicle that was declared a total loss and is subject to pending insurance and XXXX  claim payments. 

Consumer Name : XXXX XXXX XXXX : Westlake Financial Services Vehicle : XXXX XXXX XXXX XXXX XXXX : XXXX Loan Type : Auto Loan Summary of the Issue : My vehicle was declared a total loss on XX/XX/XXXX. The primary insurance claim with XXXX remains pending, and XXXX benefits have been approved and are pending payment. Despite the confirmed total loss status and active claims, Westlake Financial continues to assess late fees, add repossession-related and other charges, report delinquency to credit bureaus, and engage in collection activity. 

Details : Westlake assessed late fees ( {$34.00} on XX/XX/XXXX ) while insurance and XXXX payments are pending. 
Westlake has added approximately {$1200.00} in additional charges, described as repossession, impound, storage, or related fees, after the total loss declaration. 
Westlake may continue to assess other fees or charges while the account remains unresolved. 
Westlake is reporting my account as delinquent to the credit bureaus despite the total loss and pending third-party payments. 
The XXXX administrator provided written documentation stating that past due payments and fees are not reflected in the XXXX balance, yet Westlake continues to pursue these charges. 
I have repeatedly requested that Westlake place my account on hold to prevent further fees, charges, collection activity, and credit reporting during the claim process, but this request has been denied. 

Why I Believe This Is Improper : Once a vehicle is declared a total loss and insurance and XXXX  benefits are pending, it is standard industry practice to suspend collections and fee assessments. Continuing to assess late fees, repossession-related fees, and any other charges, while reporting delinquency under these circumstances XXXX constitute unfair debt collection practices and inaccurate credit reporting. 

Requested Resolution : I respectfully request that Westlake Financial be required to : XXXX. Place an immediate hold on my account while all insurance and XXXX payments are pending. 
XXXX. Remove or suspend all late fees, repossession-related fees, and any other charges assessed after the total loss date of XX/XX/XXXX. 
XXXX. Cease all collection and repossession activity during the claim period. 
XXXX. Correct, suppress, or delete any negative credit reporting related to this matter. 
XXXX. Provide written confirmation of these actions. 

Thank you for your assistance in reviewing this complaint and helping resolve this matter fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian and XXXX are reporting a XXXXk collection account using impermissible XXXX XXXX fields, including installment terms, past due balance, and monthly payment history. A collection account not carry terms or payment history, and can not be re-aged to extend the 7-year reporting period beyond the original Date of First Delinquency. XXXX failed to furnish the DOFD as required under FCRA 623 ( a ) ( 5 ), and experian projected an obsolescence date of XX/XX/year> in violation of FRCA 605 ( a ) and 605 ( c ).

Experian certified accuracy after reinvestigation in XX/XX/year> without validation DOFD, assignment chain, or the structural accuracy of XXXX XXXX fields.if XXXX  can not furnish DOFD tied to the original XXXX delinquency and verify a lawful obsolescence date, the account must be deleted under FRCA 611 ( a ) ( 5 ) ( A ) for failure to verify.

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 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Albert Corporation
State: GA

Complaint narrative:
I have requested multiple times that ALBERT cash locate a deposit from the XXXX through an ACH trace number.... They closed the dispute before 10 business days and refuse to provide provisional credit.... I have no way of getting through to a human with their XXXX XXXX and albert puts me in an escalation loop every time i demand a direct answer about the use of the ACH trace number, only to reiterate they have closed the dispute due to no internal error being discovered.... I believe they are in violation of regulation E Digital transfer act.

Here are the transfer details provided by SSA : TRACE NUMBER : XXXX FOR : {$350.00} EXPECTED : XX/XX/year>XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
My SoFi account was restricted on the XXXX of XXXX, they asked me to call to lift the restriction which I did and they lied to me they would lift the restriction in some hours. Then they didnt, then I called SoFi back asking why the restriction hasnt been lifted then they said they would close my account, its over a month and theyve refused to close my account and send me my check. I need to pay my bills and its sad how theyre just holding on to my money. I need my money, I need them to send my check to me and close the account or lift the restriction and allow me take my money from the card! I saw on XXXX that they do this to people a lot so I was advised to report them on here. Please avoid SoFi if you can, they try to steal from people and its sad. If you check attached documents youd see how Ive contacted them on XXXX of XX/XX/XXXX and on XXXX of XX/XX/XXXX, and todays XXXX XX/XX/XXXX and they still havent closed the account to send my money and they keep telling me they cant give me any information thats daylight robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: AZ

Complaint narrative:
I attended the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2026 at XXXX XXXX XXXX in XXXX Arizona, afterwards I was hanging out in the lobby of a nearby XXXX XXXX XXXX when someone approached me carrying a box of candy asking for a donation so I said Id donate {$4.00}. I gave them my card and they tried tapping it and they made it seem like it didnt work and gave me back my card. Shortly after I got alerted of a {$1000.00} transaction on my credit card and I called Bank of America asap and filed a dispute for fraud. A couple weeks later I get a notification that my claim was denied. They said : XXXX, were unable to approve your recent claim. 
Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. 


I was stunned. The merchant name was XXXX  XXXX XXXX XXXX XXXX TN. Please tell me why someone would pay a cleaning service from XXXX {$1000.00} in the lobby of a XXXXXXXX XXXX XXXX in XXXX Arizona. Its obvious a human never bothered to review the claim. So here I am filing a complaint to CFPB and requesting your help to get this resolved. 

I am specifically asserting a 'Billing Error : Incorrect Amount ' under the Fair Credit Billing Act. The banks denial based on 'chip data ' is irrelevant to this dispute, as I am not claiming the card was stolen, but that the authorized amount of {$4.00} was fraudulently altered to {$1000.00} without my signature or consent, in violation of Arizona A.R.S. 44-101. 

Thank you.

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 2026-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: KS

Complaint narrative:
I was in a trial modification agreement with XXXX  XXXX. I was told there wouldn't be any late fees or any penalties if I made my payments within a given month. The three months trial was to be for XXXX, XXXX, and XXXX of 2025. I made XXXX payment on XXXX first, and XXXX payment was made on XX/XX/XXXX and should have been acceptable. Unfortunately they claimed the payment was too late and cancelled the trial modification. Not only did I have to go through the inconvenience of reapplying and submitting all required documentation, when they finally decided on my application, I was no longer offered a favorable interest rate which puts undue financial hardship on me and my family. Initially I was offered a 2 % rate and my monthly payment was to be {$1100.00}. When they misled me and messed up my modification plan, my new rates were much higher and my payment is now {$1500.00}. 
I can't comfortably afford this monthly payment and it adds unnecessary extra charges to my principal. It feels predatory that they would make false claim that I didn't pay on time that's why they canceled the loan modification to try and bypass a program I was eligible for when it was still available. The waterfall program allowed them to reduce my interest rate to keep my mortgage affordable. By pretending I didn't pay on time, I was forced to reapply for a modification, at which point the program was no longer available and the rates were not favorable for my family 's financial situation. I feel they should be held accountable for such predatory behavior because it creates a cycle of never being able to afford my mortgage, falling behind and facing foreclosure. It's almost like they don't want me to keep my home and are trying to make it hard to keep my house and put my family and I at risk of becoming homeless.

Company response to consumer: Closed with explanation