vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: IL

Complaint narrative:
This company is trying to debt collect for an alleged payday loan from a company called XXXX something? They can not give me a specific company for the alleged payday loan, but they said the debt is from " around XXXX ''. They have been calling me for several weeks, sometimes consecutive days, other times sporadically. The company calls from XXXX and leaves the following voicemail : Hello, this urgent message is intended for ( my name ). If this is you, please press " 1 ' now or hold for message. My name is XXXX XXXX with payment processing. The reason for my call today is to verify the address we have on file as we are preparing to file documentation in your case. '' They also leave a callback number of XXXX which I called back today. Typically when I press 1 the call hangs up on me. Today I just kept calling teh XXXX number and spoke to 3 different people : XXXX, XXXX XXXX, XXXX. I asked them to validate the debt and they named a company I never heard of ( but included something about XXXX XXXX or something? ) and said that company is affiliated with other companies that sound like payday loan companies. I asked when the debt was from and they said " around XXXX '' to which I responded " so ... well past the 10 year statute of limitations? '' ( or 4 since I am an Illinois resident and was as of XXXX also ), she responded that I was incorrect and " would be surprised '' then the lady got an attitude and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Harris & Harris Ltd is reporting a collection account of {$570.00} on my credit report with XXXX listed as the original creditor. I have not received any written validation of this debt as required under the FDCPA 15 U.S.C. Section 1692g. I do not acknowledge this debt and have not been provided proof that Harris & Harris has legal standing to collect in the state of Texas. I am also aware that XXXX XXXX is simultaneously reporting a separate collection account for {$1000.00} also citing XXXX as the original creditor. XXXX separate collection agencies reporting debts to the same original creditor simultaneously suggests improper assignment or double-reporting of the same underlying debt. I demand immediate investigation and deletion of this account from all consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: IA

Complaint narrative:
On XX/XX/XXXX, more than XXXX years ago, I filed a XXXX XXXX Bankruptcy where I lived at the time, in the XXXX XXXX XXXX Illinois XXXX XXXX. I listed a debt of approximately XXXX dollars to XXXX XXXX. On XX/XX/XXXX, almost XXXX years ago, I was granted a discharge. I have attached the original Petition, Schedule XXXX, and the discharge order. Starting on XX/XX/XXXX, I have received aggressive, firm demands from Southwest Credit about " your debt to XXXX XXXX. '' I have not had an account with XXXX XXXX since approximately XXXX. Since that time, I have not received any phone, tablet, internet, or any other services from XXXX XXXX, such that there would be a legitimate, new non dischargeable debt. The debt I did owe to XXXX XXXX was XXXX in bankruptcy in XXXX. Southwest Credit, acting as XXXX XXXX 's agent, is violating the XX/XX/XXXX discharge order in repeatedly contacting me multiple times a day to collect a debt that was XXXX more than XXXX years ago in bankruptcy. The discharge does not expire. I have disputed this debt with them, and they have refused to correct it. They are stalking my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BROKER SOLUTIONS, INC.
State: MS

Complaint narrative:
I am submitting this formal complaint regarding my mortgage account with New American Funding and the mishandling of my completed trial payment plan. I successfully completed all three required trial payments under the payment plan agreement. However, New American Funding has falsely stated that the payments were not made, despite the fact that I possess proof of payment, including bank records/payment confirmations. As a result of the companys failure to properly apply and account for these payments, my mortgage has been improperly reported as delinquent, and I am now facing the possibility of losing my home. This situation has caused severe financial hardship, emotional distress, and unnecessary damage to my account standing. I believe the company has either misapplied, failed to process, or improperly documented my payments. I am requesting the following immediately : XXXX. A full investigation into the handling of my trial payment plan payments. XXXX. Correction of my mortgage account to accurately reflect all payments made. XXXX. Suspension of any foreclosure activity while this dispute is being investigated. XXXX. Written confirmation that my payment history and account status have been corrected. XXXX. Copies of all account records, payment histories, and servicing notes related to my loan and trial payment plan. I am prepared to provide supporting documentation proving the payments were made in full and on time. Please treat this matter as urgent. Failure to resolve this issue may result in additional complaints being filed with federal and state regulatory agencies and pursuit of legal remedies. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone apply for a credit card in Capital one bank, they used my email, name and social security number and also changed my mailing address with the bank without my knowledge or consent. After it was approved they proceeded to purchase a coffee maker machine for more than XXXX dollars. The bank approved this credit card and let the person change my billing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
{$400.00} XXXX I file to claim since XX/XX/year> and XX/XX/year> 2026

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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/year> PNC bank was sent a request by my daughter to remove me from her account. When I pulled me recent credit report. PNC is showing as if I have a card on their account. Remove me from my daughters card. She is the XXXX responsible for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

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
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: CA

Complaint narrative:
I am disputing an alleged debt of {$49.00} being collected by Synter Resource Group, LLC on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I placed an online clothing order with XXXX XXXX. The total charged at checkout was {$44.00}, including shipping. After the order was placed, I received notice that an additional approximately {$45.00} fee would be required for delivery. This additional fee was not disclosed to me during checkout. I immediately contacted the merchant and objected to the undisclosed fee. I informed the merchant that I did not accept the shipment under those conditions and did not want the order if the additional charge was required. The shipment was refused/returned. In XX/XX/XXXX, XXXX XXXX confirmed in writing that the package had arrived back at their warehouse and that my refund request was being processed by their finance team. XXXX XXXX later also stated that the refund had been approved and should be processed. Despite the shipment being refused and returned, and despite the merchant acknowledging the refund/return process, I later received a collection notice from Synter Resource Group attempting to collect {$49.00} allegedly related to this transaction. I dispute this alleged debt because I did not accept the shipment under the undisclosed fee conditions, the merchandise was returned, and the merchant acknowledged return and refund processing before the account was sent to collections. I am requesting validation of the alleged debt, including proof that I remain legally responsible for the amount after refusal and return of the shipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX XXXX : The lender, Edly/FinWise, is engaged in inaccurate and inconsistent credit reporting for a debt that is legally void due to the schools ( XXXX ) unlicensed status in XXXX and total failure of service. In XX/XX/XXXX, I entered into a career services agreement with XXXX under their advertised " placement guarantee, '' which promised I would only be liable for payment if they successfully secured me a job. This agreement, which functioned as a private student loan with a principal of {$8500.00}, is legally void because XXXX operated as an unlicensed postsecondary institution in violation of the XXXX Private Postsecondary Education Act. Furthermore, XXXX failed to fulfill its contractual obligations ; I reached my XXXX milestone without a placement, as confirmed in writing by the XXXX founder on XX/XX/XXXX. Although the founder explicitly promised to cancel my payments if a three-month extension did not result in a job, no placement occurred, and the company effectively abandoned the agreement by late XXXX. Despite these breaches and the school 's unlicensed status, XXXX and AES have continued aggressive collection efforts and predatory credit reporting. Following a formal dispute, the lender verified and updated my Equifax report on XX/XX/XXXX, to reflect a {$0.00} balance and " Paid in Full '' status ( Confirmation # XXXX ). However, Edly/AES is now engaged in inconsistent reporting by maintaining an inaccurate balance of {$12000.00} on my XXXX and XXXX records as of XX/XX/XXXX. This attempt by Edly to collect on a void contract while reporting contradictory data across bureaus is a direct violation of the Fair Credit Reporting Act and the XXXX Student Borrower Bill of Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I requested a refund for a donation I made on XX/XX/XXXX via cashapp. It was discovered that the fundraiser/charity was fraudulent. The individual claimed to be a group organizer collecting donations to purchase food for the homeless and support a local food pantry. However, I recently learned that the money was never donated as promised and was instead kept for personal use. Because the donation was made under false pretenses, I would like to dispute the charge and request a full refund. I can provide any additional information or documentation needed regarding the transaction. Cashapp refuses to refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — FHA 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: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Heres a clear and professional draft you can send to the Consumer Financial Protection Bureau regarding your issue with PennyMac Financial Services. I am submitting this complaint regarding my mortgage servicer, PennyMac Mortgage, and their handling of my loan modification agreement. I was actively enrolled in a loan modification payment plan and intended to comply fully with the agreement. I made XXXX of the required modification payments using my business bank account. However, PennyMac later rejected the payment because they stated they were unable to validate the account. I was not informed of the rejection in time to correct the issue before PennyMac considered the payment missed. I only learned about the rejected payment after the fact. By the time I became aware of the issue, PennyMac informed me that I had defaulted on the modification plan. I want to make clear that I have the funds available and remain fully willing and able to make the required payment immediately. I have repeatedly attempted to work with PennyMac to reinstate or continue the modification plan, but they have refused to cooperate or provide a reasonable opportunity to cure the issue caused by the rejected payment. This situation does not reflect an unwillingness to pay. The payment issue resulted from an account validation problem, not a lack of funds. I am requesting assistance from the CFPB in reviewing PennyMacs handling of this matter and helping facilitate a resolution that allows me to continue my loan modification and avoid unnecessary foreclosure or further harm. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America account was closed due to identity verification review. The account statement shows a {$100.00} ACCOUNT CLOSING TRANSACTION deduction on XX/XX/year> after my {$100.00} XXXX deposit on XX/XX/year>. I have not received any refund check or returned funds. Bank of America representatives state I must wait until XXXX to request a reissued check, but they are unable to provide : * check number * issue date * mailing confirmation * tracking details * proof that any refund was actually issued

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 2026-05-14 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX a charge form a merchant called ( XXXX XXXX XXXX XXXX XXXX FL ) of {$240.00} appeared on my credit card statement, which I didn't do and I called on XX/XX/XXXX to report it and get the refund back for this fraudulent charge and to get a new card, later on, on XX/XX/XXXX TD BANK XXXX made a decision to refuse this and make me responsible for this charge which I never did and they state on they website that this card is covered by the XXXX liability from visa for unauthorized transactions, I called on my XXXX to get an explanation for this but the bank just told me that the card was made present, and I reported that my card was not with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was alerted this XXXX via XXXX I had a new card on my credit. I investigated and found it was a Wells Fargo card. I spent 2 hours on the phone in the morning trying to reach the right department at Wells Fargo with no answer only hold music. 2 of the people told me they couldnt help because I didn't have the card number. I'm reporting a fraudulent card, how would I have the number? I had to end the call and call back later, was told to go to the branch. I find out the branch only takes appointments but managed to see me. While waiting at the branch I got automated notification the card was reported lost and a new one was being sent ( not by me ). The branch was on hold for 2 hours tryign to reach the identy theft department when I had to leave because they were closing. I tried calling a third time when home and managed to reach someone who told me the card was closed and canceled by me. I had not spoken to anyone to cancel it. I was told it was permanatly closed and canceled. He could not provide any documentation and I was told I would receive a letter in the mail. After some hesitation was told it was be reversed on credit, however I feel it was just being said. I have contacted the bureaus, who were much easier to deal with than Wells Fargo. Aside from the people in the branch attempting to help, call and wait on hold like I did Wells Fargo has been less than helpful, sympathetic or seem to actually care about the possible trouble this can cause. To top it off the person on the phone said thanks for choosing Wells Fargo.

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 non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
My phone got stolen in XXXX on XX/XX/year> next day prior I had XXXX deactivate my phone so no service would no longer work. One week later the scammers were able to get in my phone on Cash app and my bank app to send themselves bitcoin.I understand that XXXX transactions are not reversible, and I acknowledge that this is part of how the system is designed. However, Im extremely concerned about what happened with my account and the lack of security measures that should have protected me. A scammer was able to carry out over eight separate transactions from my account without being flagged or stopped by your system. This raises serious concerns about how effective your fraud detection and security protocols actually are. If multiple transactions in a short period of timeclearly unusual activitycan go through without any intervention, then your security system is not functioning as reliably as it should. As a result of this failure, I lost over {$1400.00}. This is not a small amount, and its frustrating to feel like your platform did not provide adequate protection against obvious fraudulent behavior. I would like a detailed explanation of how this was allowed to happen and what measures are in place to prevent similar incidents in the future. I also ask that you review my case thoroughly and explore any possible options for resolution, even if XXXX transactions are generally non-reversible. I trusted your platform to keep my account secure, and in this situation, that trust was not upheld. I talked to my bank, multiple occasions and said they work with a case like this before and Cash app was able to reverse the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint regarding unauthorized account changes and fees applied by Truist Bank. I was previously a Truist employee, and my account included employee-related benefits. After my transition to XXXX XXXX, as my account was still in XXXX XXXX tier and I began being charged a $ XXXX monthly maintenance fee. I was in XXXX XXXX since XXXX but was getting charged since XX/XX/XXXX after merger. I just changed my account to no fee account today. I did not receive any notificationby email, mail, or appabout this account change or the introduction of fees. I don't use this account so I didnt check. Till now I had XXXX calls and staying on line and talking to several people for XXXXhrs. I am requesting to help with as Truist bank couldnt submit me proofs of communication for the charge : - A full refund of all maintenance fees charged This change was made without my knowledge or consent and without proper notice.

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