vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing this complaint according to the alleged debt that National Enterprise Systems claim that I owe. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), you are hereby notified that I dispute the validity of this alleged obligation and request full validation. Until such validation is provided, you must cease all collection activity. Be advised that simple account statements, internal screenshots, or payment histories are not considered competent evidence of a valid debt. To properly validate this alleged obligation, please provide the following : A copy of the original signed contract or agreement bearing my signature that establishes a legal obligation with the original creditor. A complete chain of title demonstrating your legal right to collect this alleged debt, including : The purchase agreement or assignment from the original creditor Any subsequent transfers Documentation showing this specific account was included in the transfer. The name and address of the original creditor at the time the account was opened. A complete itemization of the alleged balance, including principal, interest, fees, and the legal basis for each charge. Documentation demonstrating that National Enterprise Systems has legal authority to collect this alleged debt in the XXXXXXXX XXXX XXXX Proof that the alleged obligation has not been discharged, settled, canceled, or reported to the Internal Revenue Service via Form 1099-C. Verification that the amount claimed is accurate and supported by business records from the original creditor. Take notice that I do not acknowledge any contractual relationship with National Enterprise Systems. Any claim that your company purchased or was assigned this alleged debt does not create a contractual obligation between your company and myself.

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 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates continues to report this account after litigation was dismissed on XX/XX/year>. During litigation, PRA failed to produce account-level proof of assignment identifying my account. I disputed with XXXX XXXX XXXX and both verified without providing documentation. PRA previously stated they are not required to provide documentation. Additionally, PRA relied on an address I have not lived at in over XXXX years, which is not reflected in the original creditor records, raising serious concerns about the accuracy and reliability of their data. Continued reporting under these circumstances is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
Launch Services bought debt that was XXXX in a XXXX XXXX XXXX committing fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). The following accounts are being reported without proper verification and are not mine or can not be substantiated with competent evidence : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # 333129 LVNXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Debt Recovery Solutions Account XXXX XXXX I previously disputed these accounts and requested validation, including original signed contracts, proof of ownership or assignment, and complete account history. The company failed to provide any competent evidence. The investigation conducted was inadequate and does not meet the requirements under 15 U.S.C. 1681e ( b ) and 1681i. Despite the lack of verification, these accounts continue to be reported, causing harm to my credit profile. I am requesting that this matter be investigated and corrected in accordance with federal law.

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

Complaint narrative:
Much debit card from Chase Bank was used fraudulently to overdraft my account without my permission and I talk to representative numerous of times, but the car was used without my knowledge they made the account overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — Conventional home 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: OH

Complaint narrative:
On XX/XX/year> my loan was getting transferred to Selene XXXX in which I applied for loss mitigation in which I started right away. I contacted them for the paperwork that the sent me on XX/XX/XXXX of XXXX. I filled it out promptly as well as the other documents they sent and they said to call back in a week from the date to check on it in which I have not been able to speak with a representative since. It says that my request has been processed but nothing else and they have sent out a letter regarding that I need to send proof of expenses in which I have also done before they even mailed the letter out. Im afraid my home is going to get foreclosed on because they are not responding to emails nor can I speak to a representative when I have been prompt with filling out all needed information. I have called them almost XXXX times within the past week to try and speak with somebody so that I can work something out to keep my home but nobody seems to want to speak with me over the phone or via email. The paperwork came and said I could also apply for a new mortgage but they dont give me anywhere to send the information to once filled out by paper. Im not sure what to do but would like to keep my home as Im no longer in a financial hardship but I cant even get ahold of them to see if Im able to make payments to keep it from getting further behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I am submitting this complaint regarding Citi Banks wrongful closure of my account in XXXX XXXX XXXX XXXX XXXX based on an allegation of fraud that was completely unfounded. Citi Bank closed my account after I deposited a check that they claimed was fraudulent. However, this was * * not fraud in any way * *. The check I deposited was a * * legitimate federal payroll check issued by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Because I work for the XXXX XXXX, this was a valid XXXX-issued check tied directly to my employment income. Despite this, Citi immediately restricted and then closed my account, withholding my funds and causing serious hardship in my personal life. I was told that I would need to wait XXXX XXXX XXXX XXXX XXXX XXXX XXXXor the remaining funds or check to be returned to me. I complied with that waiting period, but even after waiting the full time, * * I never received the check or my money back * *. This situation severely affected my ability to manage my finances. Because Citi held funds that rightfully belonged to me, I was unable to pay my bills on time, which caused late fees, financial setbacks, and unnecessary stress. The delay and lack of resolution also caused me * * significant emotional distress, mental suffering, and anxiety * * because I was left unable to handle important financial responsibilities in a timely manner. I believe Citi acted improperly by labeling a valid federal payroll check as fraud, closing my account without proper investigation, and then failing to return my money after the stated XXXX period. As a resolution, I am requesting : 1. The immediate return of all funds wrongfully withheld. 2. Additional compensation for the financial harm caused, including bill issues, penalties, and personal inconvenience. 3. Consideration for * * extra compensation for the mental anguish, stress, and disruption to my personal life * * caused by Citis mishandling of this matter. 4. A full explanation of why a legitimate XXXX federal payroll check was treated as fraudulent. I would appreciate the CFPBs assistance in helping resolve this matter and ensuring Citi is held accountable for the damages this caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
Portfolio Recovery Associates garnished {$1000.00} from my paycheck on XX/XX/XXXX ( University XXXX Iowa, XXXX XXXX Iowa Case No. XXXX ) despite a pending XXXX XXXX for XXXX served on their attorney the prior day. The claimed balance of {$3000.00} on a {$2400.00} judgment has never been itemized every garnishment writ in 7 years shows {$0.00} interest accrued with no explanation of the {$580.00} increase. The garnishment of {$1000.00} far exceeds the mandatory Iowa weekly cap of {$190.00} under Iowa Code XXXX ( XXXX ) ( a ) and the annual cap of {$5300.00} under Iowa Code XXXX ( XXXX ) ( XXXX ). XXXX is already under CFPB XXXX Order No. XXXX ( XX/XX/XXXX ) for the same conduct collecting on unsubstantiated debt without required documentation. I am a father of XXXX toddlers left with {$2400.00} to cover {$3500.00} in monthly expenses. I have served a formal Notice of Intent to file a federal FDCPA lawsuit and the complaint is ready to file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Life Line Billing Systems, LLC
State: KS

Complaint narrative:
This is not my first complaint about Lifeline charging my debit card without permission, and its now the fourth unauthorized charge overall. I made a {$40.00} payment on XX/XX/year>, and clearly instructed the representative not to save my card, as I would call back to make future payments. Despite that, my debit card was charged again without my authorization on XX/XX/year>. I contacted my bank and was informed that Lifeline still has my payment information saved on file. This goes against the resolution from my first complaint outlined in the email I received.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am filing a complaint regarding a debt that has been reported and/or is being collected without proper validation. I requested validation of this debt, but the company has failed to provide sufficient documentation to verify that the debt is accurate and that I am legally obligated to pay it. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive proper verification. I am requesting the following : Verification of the original creditor and account details A full itemization of the amount claimed, including any fees or interest Proof that I am legally responsible for this debt Proof that the company has the authority to collect on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I would like to file complaint American Express credit XXXX card. During XXXX XXXX XXXX American Express XXXX have a promotion offered new member card. when I used {$8000.00} for the first XXXX months I will get XXXX points or XXXX points to welcome new card. Which mean I did used {$8000.00} already. I did contact them about my problem and they said I did not qualify bonus offer. To me, this is unfair and misleading information. If I know beginning, I would not apply this card and now I have to paid annual fee for {$890.00} and not get bonus offer. Please help me this case. Thank you for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint against Webster Bank regarding XXXX unauthorized transactions totaling {$800.00}, which appeared on my account on XX/XX/year> XXXX charges of {$400.00} each. Case number assigned by Webster Bank : XXXX. Card ending in : XXXX. I did not authorize these transactions and do not recognize the merchant. Notably, the merchant name listed on Webster Bank 's own denial letter is simply " XXXX '' not a legitimate or identifiable merchant name which raises serious concerns about the validity of these charges and the thoroughness of the bank 's investigation. Webster Bank initially issued a provisional credit while investigating my claim, then reversed that credit and debited my account {$800.00} on XX/XX/year>. Their written denial, dated XX/XX/year>, states that because the card was " swiped or inserted '' at a point of sale and was not reported lost or stolen, the transaction is considered legitimate. This reasoning is insufficient. The presence of a physical card at a terminal does not rule out card skimming, cloning, or other forms of fraud and the bank made no apparent effort to identify the actual merchant or investigate further. Additionally, when I contacted Webster Bank by phone to dispute these charges, the customer service representative was dismissive and accusatory, suggesting that I had committed fraud. This treatment is unacceptable and inconsistent with the bank 's obligation to conduct a fair and good-faith investigation under the Electronic Fund Transfer Act and Regulation E. I am attaching Webster Bank 's written denial letter as documentation. I am requesting that the CFPB require Webster Bank to : ( 1 ) reopen and properly investigate this dispute ; ( 2 ) identify the actual merchant behind these charges ; ( 3 ) refund the {$800.00} wrongfully debited from my account; and ( 4 ) address the conduct of its customer service representative who accused me of fraud without basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
To Whom It May Concern, I am disputing the following accounts as inaccurate and unverifiable : XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$6200.00} Midland Credit Management {$670.00} Midland Credit Management {$1300.00} These accounts are not properly verified and do not meet the standards of accuracy required under the Fair Credit Reporting Act ( FCRA ). Please investigate and remove these accounts immediately if they can not be verified. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I am filing a complaint regarding a refinance transaction with Freedom Mortgage. During my initial inquiry, I was explicitly told that I could refinance to reduce my interest rate by approximately half a point with no cost to me and no required action on my part. Based on these representations, I agreed to move forward with the process. However, upon receiving the loan disclosures, I discovered that the refinance included several XXXX dollars in closing costs, which were being financed into the loan, increasing my principal balance. This directly contradicts what was initially communicated to me. Despite raising this concern multiple times and speaking with several representatives, my concern was not addressed. Instead, I continued to receive requests to proceed with signing the loan documents. I specifically requested communication from a supervisor, but continued to receive outreach from non-supervisory staff without resolution of the issue. I made multiple attempts to resolve this directly with the company but did not receive a clear explanation or escalation to a supervisor. While the loan may meet minimum XXXX requirements, my complaint is not about eligibility but about the manner in which the loan was presented. The refinance was described as having no cost, when in reality costs were included and financed into the loan. This misrepresentation impacted my understanding of the transaction.

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 2026-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I have a fixed rate FHA mortgage with Pennymac Loan Services,XXXX XXXX the Pennymac has been doing sham accounting and has increased my mortgage XXXX $ due to no reason, taxes are the same, in the amount of XXXX XXXX when I send a complete payment, they play game and do not apply the payment to the loan, intentionally causing late fees, I have called the Pennymac many many times, they always insist they are going to fix the issue, only lies,. Pennymac has engaged in mortgage fraud, and I can prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, VIN : XXXX Multiple issues as noted in prior complaints with online billing portal, fees to process payments, and customer service escalations when requested. This resulted in additional fees and inability to keep up. Ive since called and emailed requesting to voluntarily surrender vehicle without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CADENCE BANK
State: TN

Complaint narrative:
I am adding new information to my existing complaint. XXXX XXXX is the date. The bank claimed certain charges were XXXX return fees, but I contacted XXXX directly and they confirmed these charges are not associated with my account and were not reprocessed by them. The bank did not verify these charges with the merchant and instead relied only on my transaction history to make that determination. Additionally, I withdrew funds from my account with a teller based on the available balance shown, and I was told by a branch manager that I could close the account at that time, indicating there were no additional pending charges expected. These transactions later posted and caused my account to become overdrawn, resulting in {$140.00} in overdraft fees. I am requesting a full re-investigation of these transactions as unauthorized and a refund of all associated overdraft fees. I would also like to note that there was a complete change in the name and transaction type of some of these charges in question after I requested for these charges to be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am filing a complaint regarding the mishandling of unauthorized transactions on my account, failure to properly investigate my claim, refund of lost/stolen cashiers check, the sudden closure of my account while an active fraud dispute is ongoing. I reported unauthorized transactions and followed all instructions provided by the banks fraud department when submitting my appeal. Despite complying fully, my claim was reassigned to a different investigator and denied, and provisional credits were reversed without proper explanation. During a call with Executive Customer Relations, the representative admitted she did not conduct any investigation, did not contact the fraud department, and simply reread a prior decision. She was unable to answer key questions, including : Why the investigator was changed What evidence was used to determine the transactions were authorized Why my account features ( ACH and overdraft protection ) were impacted I was also improperly instructed to contact merchants regarding transactions I did not authorize, which is not my responsibility. An appointment scheduled to address this issue was not honored, and follow-up commitments from bank representatives were not fulfilled. Additionally, I later discovered that my account had been closed without prior notice while this dispute is still active. I lost access to my online banking and received conflicting information about my balance, including a {$0.00} balance notification despite previously having {$1000.00} in my account. I was then informed that any remaining funds would be mailed via check, with no clear timeline or confirmation of the amount. This has caused significant financial disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief