vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Messerli & Kramer P.A.
State: SD

Complaint narrative:
XXXX XXXX : Messerli & Kramer P.A . Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Product/Service : Debt Collection Issue : Debt collection Problem with a lender or collectors investigation / Attempt to collect money not owed What happened - I owed XXXXXXXX XXXX {$280.00}. XXXXXXXX XXXX XXXX XXXX XXXX XXXX . to collect. XXXX XXXX XXXX garnished both my XXXX XXXX bank account AND my wages from my employer, XXXX XXXX in XXXXXXXX XXXX My bank, XXXX XXXX, sent Messerli & Kramer the remaining balance owed to XXXXXXXX XXXX, more than what owed in the amount of {$2400.00}. This satisfied the debt in full and the garnishment should have stopped. However, my employer XXXX XXXX also sent Messerli & Kramer additional garnished wages : {$280.00} and {$250.00}. Because the debt was already paid via my bank account, these two wage garnishments resulted in an overpayment. Messerli & Kramer also owes me {$60.00} for court fees, for a total overpayment of {$590.00}. Messerli & Kramer refunded me {$110.00} via check # XXXX dated XX/XX/year> and {$110.00} via check # XXXX dated XX/XX/year>. Both were mailed to my correct address and I received them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SD XXXX However, for nearly XXXX month Messerli & Kramer has failed to refund the remaining {$590.00} and has given conflicting, non-transparent information. On XX/XX/year>, I spoke with supervisors XXXX XXXX at XXXX AM and XXXX XXXX at XXXX AM. They claimed the {$280.00} and {$250.00} checks were sent to my old address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. On XX/XX/year>, a representative said the {$280.00} and {$250.00} checks were mailed XX/XX/year> to my correct address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. As of XX/XX/year>, I have not received them. This is 14 days past the mail date. Messerli & Kramer has provided no check numbers, no proof of mailing, and no stop payment confirmation for the {$280.00}, {$250.00}, or {$60.00}. Their claim that checks were sent to my old address is not credible because they successfully mailed the {$110.00} and {$110.00} checks to my current address on file. Fair resolution requested : 1. Immediate stop payment on any outstanding checks for {$280.00}, {$250.00}, and {$60.00}. XXXX. Reissue the full {$590.00} overpayment via XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX within XXXX business days. XXXX. Written confirmation including check numbers, stop payment proof, and tracking for reissued payment. My contact info : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX [ Phone XXXX ] Thank You Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Meta Payments Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Meta Platforms , Inc. regarding the repeated and unjust suspension of my professional Instagram account XXXX XXXXXXXX ( Registered Email : XXXX ) .My account is a professional business profile with XXXX followers, which I use as my primary source of income and commercial activity. Within the last 7 days, my account was automatically suspended 3 times by Metas automated systems. In each instance, I provided my official ID and facial verification, and Meta successfully restored my account, admitting it was a mistake. However, immediately after the third restoration, the account was permanently XXXX due to a technical error in their automated review process, without giving me any further chance to appeal.This situation has caused me significant financial damage. As a professional content creator, I have ongoing commercial agreements and ad campaigns running through Meta 's services. Due to this technical glitch, I have lost my entire income stream and access to my business tools. This is a clear case of professional and financial victimization caused by faulty automation. I request an immediate manual review by a human agent to restore my accounXXXX XXXX XXXX and my business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: MD

Complaint narrative:
I am filing a complaint regarding Minto Money. I have already paid my loan in full, yet the company attempted to charge me an additional {$9000.00}. I contacted Minto Money to understand why these charges were being made, and they were unable to provide any valid explanation. Their only response was to refer to the agreement, but even if that were the case, the amount they are attempting to take is more than four times what I originally owed and have already paid. These charges are unauthorized and unjustified. I am requesting immediate investigation, a full refund of any improper withdrawals, and confirmation that my account is closed with no further charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I recently discovered unauthorized transactions connected to a debit card account that I did not open, request, receive, possess, or use. The transactions included purchases and ATM withdrawals totaling approximately {$4600.00} occurring primarily during XXXX and XX/XX/XXXX. I was unaware that stimulus and/or tax-related funds had allegedly been issued to this debit card account due to ongoing IRS processing and tax account issues. I only became aware of the account and transactions while addressing IRS refund matters and identity/account issues in 2026. After discovering the activity, I immediately contacted the company and filed a fraud dispute under Regulation E and the Electronic Fund Transfer Act. I submitted supporting documentation including a notarized fraud affidavit, identification documents, IRS correspondence, and a detailed transaction list disputing all charges as unauthorized. On XXXX XXXX, 2026, I was informed by phone that my claim had allegedly been denied for no response. This is inaccurate because I submitted my dispute response and supporting documentation on or about XXXX XXXX, 2026. I disputed the denial during the phone call and advised the representative that documentation had already been sent. I am requesting that the company : Reopen the investigation Review all submitted evidence Provide copies of investigation notes and records relied upon in the denial Explain why my submitted documentation was not properly considered Reimburse the unauthorized transactions I believe the investigation and denial were improper because I timely disputed the transactions after becoming aware of the account activity and fully cooperated with requests for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I see on my credit report XXXX say I owe {$1700.00} when I never had XXXX in my name I see another {$990.00} that it say I owe too verzion when I never had XXXX Im a victim of identity theft and I believe someone is using my information to get an purchase items in my name I need this took of my credit and I see it say I owe MoneyLion {$1000.00} and I never opened up a MoneyLion account the last time I peeked at my XXXX XXXX at was at XXXX now I look at my XXXX XXXX its at XXXX I need help getting this removed off my credit

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I sent XXXX a formal written request for debt validation pursuant to 15 U.S.C. 1692g ( b ). This request was sent via certified mail and received by their office, as confirmed by USPS delivery records. Despite receiving my dispute and validation request, XXXX failed to provide any response or validation documentation. Under federal law, once a debt is disputed, the debt collector is required to cease all collection activity until proper validation is provided. However, XXXX has continued to report this account to consumer reporting agencies without providing any validation. This constitutes the following violations : Violation of 15 U.S.C. 1692g ( b ) failure to validate a disputed debt Violation of 15 U.S.C. 1692e false or misleading representation of a debt Violation of 15 U.S.C. 1692f unfair collection practices Violation of 15 U.S.C. 1681s-2 ( b ) failure to conduct a reasonable investigation Violation of 15 U.S.C. 1681e ( b ) reporting inaccurate and unverifiable information Because XXXX has failed to validate this alleged debt and continues to report it, the information being furnished is unverifiable and therefore must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My mortgage servicer, Rocket Mortgage - loss draft department is improperly withholding insurance repair funds related to a California state/federally declared disaster loss. Our home was a total loss as a result of XXXX fire. I was previously informed multiple times that all remaining funds would be released upon drywall is up. Our drywall is up and I submitted photographs and supporting documentation as requested on XXXX XXXX, 2026. I never heard back from mortgage company so I contacted Rocket mortgage via phone on XX/XX/year>2026 ; the servicer informed me that they have determined " only 45 % of work has completed and 45 % of remaining funds will be issued. '' I requested : a written explanation for the reduced disbursement, copies of all inspection reports, and internal escalations, draw schedule or investor/servicing guidelines being applied, and the specific conditions required for release of the remaining funds. Rocket Mortgage has not provided the requested documentation or a clear resolution, quoting that they are " not able to provide that information ''. The withholding of funds is delaying repairs, causing financial hardship, and interfering with restoration of the property after a declared disaster. I am requesting : * A full written explanation for the reduced disbursement * Copies of inspection reports and evaluations * A re-inspection of the property by a qualified inspector * Clarification of all conditions required for release of remaining funds * Prompt review and correction of the decision * Immediate escalation to executive resolution personnel I believe the servicer is acting unreasonably and failing to properly administer insurance proceeds needed to restore the property. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
NetCredit.com an online payday loan website said I was approved for a {$1200.00} payday loan. They asked for my financial information, proof of income and I.D . After they receive my information they said they are " processing my application '' and to give them 1-3 days for funding. 2 days later, they put on my NetCredit.com account that I was denied the loan and to wait for an email explanation why. They now have in their system my banking information, Picture Identification and proof of income. They need to stop phishing for people 's information using the fake " Approval amount '' as bait! Also, why do they keep my information in their system making me vulnerable to Identity Theft!?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
I am filing a complaint against PHH ( Onnity ) Mortgage regarding improper escrow calculations and unauthorized withdrawal of increased mortgage payments on my XXXX home loan. My loan was recently transferred to PHH Mortgage. After the transfer, PHH increased my monthly mortgage payment by more than {$460.00}, claiming an escrow shortage related to property taxes. I am a 100 % service-connected XXXX combat veteran residing in New Mexico XXXX My primary residence is fully exempt from property taxes under New Mexico XXXX veteran property tax exemption law. I notified PHH Mortgage immediately after receiving notice of the increase and provided the required documentation proving my exemption status. Despite being notified of the error and receiving documentation supporting the exemption, PHH Mortgage still withdrew the increased payment amount from my bank account. Additionally, PHH Mortgage claims an escrow analysis statement was sent, but I never received any escrow disclosure or analysis prior to the increased withdrawal. Had I received the required documentation, I would have disputed the incorrect escrow calculation immediately. I am requesting the following : Immediate correction of the escrow calculation removing all projected property taxes. Recalculation of my monthly mortgage payment to the proper amount. Refund or credit of all improperly collected escrow funds. A copy of the escrow analysis PHH claims was provided. Review of whether PHH Mortgage violated RESPA escrow disclosure and servicing requirements. This issue has caused unnecessary financial hardship and distress despite my prompt attempts to resolve the matter directly with the servicer.

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 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I made a mortgage payment prior to the servicing transfer of my loan from PHH Mortgage to XXXXXXXX XXXX, which at XX/XX/year> and XX/XX/year>. The payment was successfully withdrawn from my bank account, but it has still not been properly applied to my mortgage account. On XX/XX/year>, XXXX XXXX confirmed in writing that they had contacted the prior servicer ( PHH Mortgage ) and requested that the payment be remitted to them. However, despite repeated follow-ups, the payment still has not been applied. This issue has now been ongoing for nearly three months. During this time, I have continued to incur additional interest and have experienced significant stress and uncertainty regarding the status of my mortgage account. I have contacted both PHH Mortgage and XXXXXXXX XXXX multiple times, but neither company has provided a clear timeline or resolution. XXXX XXXX states they are waiting for the payment from PHH Mortgage, while the issue remains unresolved. I am requesting : Immediate investigation and application of the payment, Confirmation that no late fees or negative credit reporting will occur, Reversal of any excess interest or charges caused by this delay, A clear explanation of where the funds are currently being held and why the transfer has taken so long. I have documentation showing that the payment was successfully withdrawn from my bank 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 2026-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Opportunity Financial, LLC
State: AR

Complaint narrative:
These accounts are wrong and I would like to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I created/initiated a transaction on XX/XX/year> for {$1000.00} with/through XXXX on XXXX. I realized the individual didnt have XXXX so I canceled it. I have email stating transaction was successfully canceled and said the funds were being returned to the origin. Ive waited a week now and have gotten no answers or direction after 4 hours of my time. I have verified for the last week. The funds were not delivered back into my debit checking account where they were extracted from in the beginning .. mindless conversations and no answers. Feel like {$1000.00} was stolen for me and no one has told me why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pavilion Payments US BuyerCo, LLC
State: NY

Complaint narrative:
I get calls from pavillion payments about money they claim i owe i told them dont call me i dint owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint regarding PayPals handling of a dispute involving merchandise ( XXXX XXXX ) that was never delivered. I purchased a basketball shooting machine through PayPal and waited more than 6 months for delivery. The seller repeatedly promised shipment dates and asked me to continue waiting, but the item was never delivered. I originally opened a dispute through PayPal. Based on the sellers promises that the item would soon be shipped, I closed the dispute in good faith. However, the seller continued delaying shipment and still failed to deliver the product. I contacted PayPal multiple times and filed appeals, but my case was repeatedly denied despite the fact that I never received the merchandise. My credit card company later investigated the matter independently and ruled in my favor, reversing the charge because the item was never received. Now PayPal is holding my account in a negative balance status even though the chargeback was resolved through my credit card issuer due to non-delivery of merchandise. I am requesting that PayPal conduct a fair review of this matter, remove the negative balance from my account, and acknowledge that the merchandise was never delivered after more than 6 months of delays and unfulfilled promises. I have records of : - order confirmation, - seller communications, - repeated shipping delays, - dispute history, - and chargeback results from my credit card issuer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I am filing this complaint regarding an invalid debt collection related to XXXX XXXX charges that do not belong to me. The charges are connected to a license plate that was cancelled approximately 7 years ago. I no longer own or use that plate, and I have previously notified XXXX multiple times about this issue. Despite my prior notices, the account was sent to collections, causing unnecessary stress and potential damage to my credit. I dispute this debt in its entirety. I am requesting the following actions : 1. Immediate investigation of this matter. 2. Removal of all charges associated with the cancelled plate. 3. Confirmation that this account will be removed from collections. 4. Written confirmation that no negative credit reporting will occur. This situation appears to be the result of inaccurate recordkeeping and failure to update account information after repeated notifications. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perpay, Inc.
State: CO

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation