vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXI am victim of identity theft, in the process of buying a home I realized my identity was stolen and used to obtain lines of credit the companies that utilized were these (inquiries) from: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: CA

Complaint narrative:
Issue : Goods or services not as described / dispute handling I paid for event tickets through PayPal using my bank account on XX/XX/year>. The tickets were purchased on XXXX and were advertised as GA Floor ( see the listing ) ; however, the tickets delivered were GA Balcony, as shown in the order confirmation and ticket screenshots. This represents a materially different and lower-value product than what was advertised. 

I never used the tickets. Prior to the event ( XX/XX/year> ), I contacted XXXX to request correction of the issue, but XXXX refused to provide replacement tickets or a refund. 

I subsequently filed a dispute with PayPal. PayPal denied the claim solely because tickets are excluded under its Purchase Protection policy, without investigating whether the goods were misrepresented or materially different from what I purchased. 

My bank also declined the claim on the basis that the ACH transaction was authorized, leaving me without any consumer protection despite receiving goods that were not as described.

I am requesting that PayPal be required to properly investigate the misrepresentation and issue a full refund for the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I sold my house on XXXX XXXX. The teller informed me that I would be able to withdraw {$500.00}, and the rest would be available the next day. Needless to say, it wasn't. I am now without any funds, and my account is overdrawn by {$87000.00}. They told me my funds would not be available before XXXX XXXX. The reasoning behind this is that the check was a large amount, and they would have to verify that it was good. I have never heard of this. It does not take 14 days to verify this. I hope there is some way that can release my money. I am sitting at home with no money. I have no money for food, gas or bills. I have called Wells Fargo, and there is no hope. I am a senior citizen with limited income. Please help me. 

Sincerely, 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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/year> atm stole my cash deposit I can't get to anyone who will audit atm cash deposit from atm XXXX XXXX XXXX XXXX XXXX XXXX atm id XXXX card # XXXX transaction amount they are willing to give me XXXX $ out of close to XXXX XXXX I talked to XXXX XXXX. From Escelations representative at XXXX XXXX  management office. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. She told me its final and I would get proof of the steps taken. But if these steps were taken I guarantee you would give me no XXXX $ out of XXXX separate stacks of money XXXX XXXX $ bills an like XXXX XXXX $ bills put in at XXXX separate times meaning I made XXXX deposits and she saying the camera showing me put a single XXXX $ bill in an atm. Could I please get a proper evaluation. Please I been missing payments on bills and credit cards. It's got to be someone to resolve this issue its now been too long I need help! This is a nightmare Please close my account after this is resolved

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 2025-12-30 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: UT

Complaint narrative:
This filing is a formal CFPB dispute and immediate removal demand regarding the alleged {$620.00} account that Caine & Weiner is attempting to collect and report. 

Caine & Weiner is not the original creditor, and I have no contract, agreement, or established relationship with this company. I did not authorize Caine & Weiner to obtain, use, or possess my personal information. 

I dispute this account in full. I am unsure how this company obtained my data, which indicates that my information was likely bought, sold, transferred, or traded for monetary gain without my knowledge, consent, or permission. This account is therefore unverified, unauthorized, and not legally enforceable. 

Despite prior dispute attempts, Caine & Weiner has failed to provide : an original signed agreement or contract an itemized billing ledger proof of ownership / chain of assignment proof that I am the responsible party or lawful authorization to report or collect Continuing to furnish or collect on an unverified third-party debt is misleading, harmful, and unlawful under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I arrived in XXXX, XXXX XXXX XXXX, and urgently needed to prevent a pending transaction with XXXX. At approximately XXXXXXXX XXXX XXXX on XX/XX/XXXX, I contacted USAA for assistance. During this call, a USAA representative advised that account verification was required. I provided the requested identifying information, including my account PIN, the email address associated with my profile, and my Social Security number. 

The representative then attempted to complete verification by sending a one-time passcode via SMS to the phone number on file. I expressly informed the representative that, due to my international travel, I did not have reliable access to SMS text messaging and had limited access to push notifications while in XXXX. Despite this disclosure, the representative proceeded with the SMS verification attempt, which resulted in my account being locked. 

I was subsequently informed that account access could alternatively be restored through USAAs VIP Access feature ; however, I was also advised that VIP Access must be configured while logged into the account, which was impossible due to the existing account lockout. 

Since that time, I have spoken with more than XXXX USAA customer service representatives. Each representative declined to escalate the matter or provide access to supervisory or management contact information. I was repeatedly instructed to submit a request through usaaXXXX  so that USAAs account recovery team could contact me. Although I complied with this instruction, the process does not provide immediate assistance, and I was informed that the expected response time is approximately XXXX days. 

I explicitly advised each representative that this situation constituted an emergency, as the locked account is my primary and sole checking account, leaving me without access to funds while abroad. Despite this, all representatives refused to escalate the issue or provide alternative solutions. 

This situation has caused significant and unforeseen hardship and distress, particularly given my international location and lack of access to financial resources. Additionally, publicly available consumer reports and discussions on major forums, including XXXX, indicate that this issue, specifically USAAs reliance on SMS-based final verification, appears to be a recurring and widespread problem affecting multiple customers.

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 2025-12-30 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: OR

Complaint narrative:
On XX/XX/year>, PayPal permanently limited my account without providing a clear or specific explanation. My account has a remaining balance of [ insert amount ] USD, which I am currently unable to access or withdraw. 

I have already contacted PayPal to request information regarding this permanent limitation and the release of my funds. However, they did not provide a clear response, and I am still unable to withdraw my balance. 

I request written confirmation regarding the exact amount held, the available withdrawal methods, and assurance that my funds will not be withheld beyond the legally allowed holding period ( XXXX  days ). 

This situation has caused significant inconvenience, as I can not use the funds that are rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Accounts Management, Inc
State: SD

Complaint narrative:
Account XXXX XXXX is owned by XXXX XXXX XXXX in South Dakota. 

We have been trying to work something out with them but every time we try to call no one calls us back or we're sent in circles. We call XXXX and they tell us XXXX is a third party so they transfer us ... to someone else in XXXX. 

Now they're sending paperwork saying they'll garnish our wages even though we've been trying to work something out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Hello this is starting to get out of hand now I have so many accounts that I can not account for. I have no knowledge of this and this is fraud

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Summary I am filing a complaint concerning Newrez 's mismanagement of my VA loan escrow account, specifically regarding an unjustified homeowners insurance estimate and inconsistent escrow calculations. 

Detailed Incident Description : On Saturday, XX/XX/XXXX at XXXX Newrez notified me via email that my homeowners insurance renewaldue XX/XX/XXXX, XXXXwould cost {$3300.00}. 
In XX/XX/year>, Newrez paid {$1200.00} to XXXX for insurancemaking the new estimate 170 % higher, but without providing any explanation for this rise. 
When contacted by telephone XX/XX/year>, Newrez was unable to clarify how they reached the {$3300.00} estimate. A second phone call for follow-up, a representative, XXXX XXXX XXXX XX/XX/year> recorded line claimed they received a bill from insurance. 
However, on XX/XX/year> my insurance agent and XXXX confirmed that no insurance evaluation or billing has been completed for the upcoming year. 
My escrow account balance is insufficient to cover this projected amount, yet Newrez is collecting {$580.00} monthly. 

Pattern of Escrow Mismanagement Newrez has inconsistently estimated and collected escrow amounts in the past. 
After I deposited funds to cover a tax shortfall from XXXX XXXX, Newrez refunded the amount, then increased my monthly escrow payments again without justification. 

Regulatory Citations 1. VA Loan Servicing Guidelines ( XXXX  and XXXX  Handbooks ) : Servicers are required to manage escrow accounts responsibly, including ensuring accurate payment of insurance premiums and responding to borrower inquiries about escrow and insurance in accordance with VA regulations and RESPA standards. XXXX XXXX XXXX XXXX XXXX ] VA Handbook XXXX XXXX XXXX mandates that servicers maintain accurate escrow analysis for both taxes and insurance and must apply escrow funds appropriately. XXXX XXXX XXXX XXXX XXXX XXXX 2. RESPA & CFPB Regulations : Under 12 CFR 1024.17 ( Escrow Accounts ), servicers must conduct annual escrow analyses and ensure any shortages or overages are clearly explained and documented.

According to 12 CFR 1024.37, servicers are required to properly disclose any forcedplaced insurance and must not estimate insurance amounts arbitrarily. [ consumerfinance.gov ], XXXX XXXX XXXX Impact on Me The unexplained increase causes financial strain and undermines trust in Newrez 's servicing. 
I am unable to plan or budget accurately due to their inconsistent escrow account management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Loan was given to collection agency Exeter Finance whom eventually sold to XXXX XXXX. I paid loan as a settlement to XXXX XXXX in full nearly 4 months ago yet Exeter Finance still will not release lien on vehicle though proof has been given and multiple phone conversations and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I contacted MOHELA last year and told them that I would like to know what would be the date for all loans to be forgiven due to me re-certifying annually. I have re-certified since XXXX and was aware that the date should be close for the XXXX years.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received 2 AMEX prepaid gift cards for XXXX. I've attempted to use them at a number of stores and AMEX keeps declining the charge, even though I am following the instructions included with the card. I call them and they try and claim that the merchants do not accept AMEX, and push me back to the merchant, but that is not true, as the merchant clearly accepts AMEX as per their website. I was also asking about redeeming my cards for cash or transferring the balance elsewhere, as they were unable to allow me to make the purchase, and I have the same issue. These cards are a scam way for them to take money from unknowing older folks trying to get a nice gift, and trap these funds in an unusable tender format.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I made a cash deposit of {$500.00} into a Chase atm machine. The machine read error advised me to call Chase to ensure my deposit and provided me with a receipt. This is the second time Im contacting Chase about this same ATM. 

I contacted Chase, Chase opened a dispute Reference # XXXX and closed it within 24 hours confirming not enough information even though I provided them the receipt and took a picture of the atm machine and sent that information to them. I spoke with to a representative who stated she couldnt provide me the details of the investigation due to security reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My XXXX XXXX group discharge for The XXXX XXXX was approved XX/XX/year>, and my case is now marked closed. 
XXXX reflects {$9200.00} discharged at the underlying loan level, but my loans were consolidated with XXXX University and XXXX XXXX XXXX, and the consolidated balance has not been reconstructed to remove the full XXXX XXXX portion ( ~ {$27000.00} ). 
My servicer can not update my balance without Department of Education instruction, and XXXX XXXX states they can not assist because the case is closed. 
After more than 20 months, my account remains inaccurate, interest is misstated, and repayment can not resume. I am requesting immediate post-approval consolidated-loan reconstruction and correction. Additionally, I was given a letter from the borrower 's defense stating I was to be discharged {$27000.00}, and I have my original exit interview paperwork from school with the same number I had borrowed to attend school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: FL

Complaint narrative:
am submitting this complaint regarding an unauthorized electronic transaction processed through PayPal in the amount of {$1000.00}, which posted and cleared on XX/XX/year>. 
I did not authorize this transaction, did not place an order, and received no goods or services. I do not recognize this charge. 
The transaction originated through a deceptive or impersonating website. The only amount displayed on the website was {$28.00}. I did not approve any charge. Shortly afterward, an unauthorized pending charge of approximately $ XXXX {$1000.00} appeared in my PayPal account. A PayPal pending transaction screenshot shows the charge was linked to an external website. That link now opens to an empty cart with no retained order or customer information, indicating there was no legitimate transaction record. 
Upon discovering the unauthorized charge, I secured my PayPal account by changing my password, enabling additional security measures, and removing linked bank information to prevent further unauthorized activity. 
I contacted the seller immediately to report the unauthorized transaction and request cancellation. The seller later provided invalid tracking information showing delivery dated XX/XX/year>, which is more than one month before the transaction date, and to multiple unknown out-of-state addresses not associated with my PayPal account. 
Additionally, under PayPal Buyer Protection, valid proof of delivery requires signature confirmation. No delivery signature was required or obtained, and no signature proof is on record. 
Despite these facts, PayPal initially denied the dispute and later reopened it under Item Not Received, which is incorrect. This is not a delivery dispute. Misclassifying the case as item not received materially affects my consumer protections and allows reliance on invalid tracking rather than addressing the lack of authorization. 
Why this is a problem The transaction was unauthorized The amount charged ( {$1000.00} ) did not match the amount displayed ( {$28.00} ) The website appears deceptive or impersonating The tracking provided predates the transaction, uses unknown addresses, and lacks signature confirmation The dispute was misclassified, preventing proper review under unauthorized-transaction standards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief