vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
XX/XX/year> XX/XX/year> call from XXXX caller ID saying Mr Cooper, saying that my mortgage company XXXX XXXX is trying to reach me and at end says they are a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: Chime Financial Inc
State: GA

Complaint narrative:
Chimes denied by dispute. After 3 days a premium of {$130.00} was withdrawn from my account by XXXX XXXX. I uploaded XXXX documents proving date and amount of payment. Also a declaration page from my insurance in XXXX hours. My dispute was denied by chimes even though I was provided a trace number or transaction number. XXXX will not resolve the issue and they say that the allocated funds were not posted to my account. This was not a XXXX transaction. It was a auto pay and the meanwhile {$130.00} I am requesting that the funds be posted back to my account while the investigation is ongoing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
Dear CFPB, I am submitting additional information regarding my dispute of the account listed below : Creditor : Security Credit Services , LLC Account Number : XXXX Security Credit Services , LLC responded to my initial complaint by citing XXXX XXXX XXXX and related case law, asserting that I have no right to receive documentation such as a bill of sale or assignment. While I acknowledge that these cases address validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), my dispute is not limited to initial validation. Because Security Credit Services , LLC is furnishing information to consumer reporting agencies, they have obligations under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ). Specifically : Once a consumer disputes an account, a furnisher must conduct a reasonable investigation of the accuracy of the information being reported. They must review relevant information, including documentation establishing ownership and accuracy of the balance. Failure to substantiate ownership or to report accurately may constitute furnishing false or misleading information in violation of the FCRA. In my dispute, I requested : Documentation establishing lawful ownership of my specific account, including assignment or chain of title. Confirmation of the Date of First Delinquency being used for reporting purposes. Confirmation of the estimated removal date. Correction of the account status and marking it as disputed on credit reports. The company provided a copy of the original loan agreement and a payment history ; however, these documents do not establish ownership of my specific account. Additionally, the account is reporting on my credit report as : Status : Open Opened : XX/XX/XXXX The original account was opened in XX/XX/XXXX. The reporting does not reflect that the account is disputed, and I have not received confirmation that the reporting period is being calculated from the original delinquency rather than the acquisition date. I request that the CFPB consider this information in reviewing my complaint and require the furnisher to provide competent evidence of ownership, proper reporting, and compliance with FCRA obligations. The account remains disputed and unresolved. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Caine & Weiner XXXX XXXX XXXX.. Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Request for Debt Validation To Whom It May Concern : I am responding to your communication regarding the above referenced account. This is not a refusal to pay, but a request for validation pursuant to rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.1692g. Please provide the following : 1. The name and address of the original creditor. 2. The amount of the debt, including an itemization of fees, interest, and charges. XXXX. Copies of any documents showing I agreed to this debt. XXXX. Proof that your company has the legal right to collect this debt. XXXX. The date of the last payment and the date the debt was incurred. Until you provide proper validation, please cease collection activity and reporting to credit bureaus. I request that all future communication be in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo froze my account without providing a clear or specific reason, which prevented me from accessing my funds. I also received communications from Venmo that were confusing and concerning, which caused me to lose trust in the service. Because of this, I no longer want to use Venmo in any capacity. I am requesting that my remaining balance be released and transferred out so I can permanently stop using Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Elite Recovery Group LLC
State: OR

Complaint narrative:
Elite recovery credit constantly try to contact us and send us payment link when we didnt request it. They threatened escalation when we asked for payment plans and they offered payment plan that was unreasonable and unrealistic. Happened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DigniFi
State: MD

Complaint narrative:
Please delete these collections and charge offs. Delete Collections 15 U.S. Code 1692 ( g ) Delete Charge Offs 15 U.S. Code 1681 ( c ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA
State: CA

Complaint narrative:
The XXXX XXXX XXXXXXXX faced legal action under the False Claims Act due to deceptive advertising practices. The Federal Trade Commission ( FTC ) and the Department of Justice ( DOJ ) pursued cases alleging the university falsely claimed partnerships with major companies and misled students about job prospects. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of information receiving Loan Consolidation solicitation that have my name, address, phone number stating they have information to help with Loan Forgiveness aiding and embedding XXXX XXXX. which is currently closed. I can no longer reach anyone at University XXXX XXXX. I've been transferred to Dept. Of Education to resolve issues. XXXX is misleading students by fraudulently keeping students in debt with loans for degrees that do not serve their career. XXXX focus is to harass students into applying for more loans and profitable gain. Now I have collectors for loans services who switched providers that do not have a clue. AID ADVANTAGE NAVIENT MOHELA which have shared my personal SS and personal information, now I am receiving illegal phone calls from second and third loan forgiveness scams from foreign countries. XXXX used coercion tactics, recruiting counselors, administrators, admission coordinators to harass and aggressively aiding and embedding to ensure you choose online schooling as an option for continuing education. XXXX 's selling point was the idea of school at your own pace which most full time employees could work around. They did not explain that most employers do not look at whether their school is not recognized as a credible degreed program in the workforce. XXXX accreditations are sketchy at best. The promise of painful employment and successful career is a farce. There's no job opportunities after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number : XXXX To Whom It May Concern : Pursuant to my rights under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, I hereby demand that you cease and desist all communication with me regarding the above-referenced account. You are to stop all telephone calls, text messages, emails, letters, and any other form of communication to me, my family members, my employer, or any third parties concerning this alleged debt. Be advised that you may only contact me to : 1. Advise that further collection efforts are being terminated. 2. Notify me that you may invoke specified remedies ; or 3. Notify me that you intend to invoke a specific remedy. Any other contact will be considered a violation of federal law. I am documenting all communications and will not hesitate to report violations to the Consumer Financial Protection Bureau and the Texas Attorney Generals Office, and to pursue any remedies available to me under the law. This is not an acknowledgment of any debt, nor a refusal to pay, but a notice that your contact is no longer permitted. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care credit lowered my credit limit and did not provide a way to dispute.

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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: WA

Complaint narrative:
I am filing this complaint regarding a billing dispute for merchandise not received. On XX/XX/year>, I was charged {$54.00} by a merchant called XXXX XXXXXXXX XXXX. The merchant has not shipped the merchandise. The order status still shows Waiting for details with no tracking number and no carrier confirmation. I never received the goods. I filed a dispute on XX/XX/year>. The dispute was denied on XX/XX/year>. I then re-disputed the charge and submitted additional documentation, including screenshots showing that the item was never shipped and no tracking was provided. The second dispute was denied again on XX/XX/year>. At no time was I issued a provisional credit during the investigation. Chime denied the dispute stating that no billing error occurred but did not provide any documentation, delivery confirmation, tracking number, or merchant evidence supporting their decision. Under the Fair Credit Billing Act, this qualifies as merchandise not received. I am requesting that Chime : Provide copies of the merchant evidence relied upon to deny both disputes. Reopen and properly investigate this billing error. Remove the {$54.00} charge from my account. I am seeking a fair and lawful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I am writing to formally request a review and correction regarding the Private Mortgage Insurance ( PMI ) charges that have been applied to my loan over the years. I recently reviewed my mortgage statements and discovered that I have continued to be charged PMI each month, despite my understanding that these charges should have been removed once my loan balance reached 78 % of the original value of the property, as required under the Homeowners Protection Act ( HPA ). In addition, the monthly PMI amount has changed multiple times over the years, which raises further concern about the accuracy and appropriateness of these charges.I contacted Shellpoint Mortgage in XX/XX/year>2022 to resolve this issue. After I brought it to the attention of the mortgage company, it has now disappeared. I am wondering how long they have been charging me this fee. I would like the mortgage company to review my account since the loan balance has reached 78 %, including all the PMI and other fees that were deducted even prior to the loan being sold to Shellpoint Mortgage. Ive noticed other deductions such as NonRecoverable Insurance Disb, Unapplied Payment, NSF Fee Assessment. I want my loan reviewed for any errors. My property has not depreciated in value, so I am questioning why I am being charged these fees. PLEASE SEND TO BOTH COMPANIES ON MY DOCUMENT. THANK YOU!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I sent {$2000.00} via Zelle in early XXXX intended for my own phone number but entered XXXX incorrect digit. This was a mistaken recipient error. I immediately notified XXXX XXXX and filed a dispute. I have not been reimbursed. I am requesting a formal Regulation E error investigation and confirmation of what recovery steps were taken with the receiving bank. This transaction was not intended as payment to another party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
I am writing regarding the collection account you have reported under the name Eastern Account System., with an alleged balance of { {$1200.00} }, opened on XX/XX/year>, as shown on my credit report. This letter is not an acknowledgment of responsibility for the debt. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following documentation : The name and address of the original creditor The original account number The total amount claimed, including an itemized breakdown of interest, fees, or charges Copies of any contracts, agreements, or documents bearing my signature Proof that you are legally authorized to collect this debt Proof that this debt is within the applicable statute of limitations Until this information is provided, I request that all collection activity cease, including reporting or updating this account with any credit reporting agencies. If you are unable to validate this debt, please remove it from my credit reports. All future communication regarding this matter should be in writing only. Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: CA

Complaint narrative:
On XX/XX/year>, I sent a {$1000.00} international remittance to my beneficiary in XXXX using the Abound app ( tracking ID XXXX, XXXX XXXX ). The app later showed the transfer as delivered/settled, but my beneficiary never received the funds in their bank account. I contacted Abound multiple times via chat and email. On XX/XX/XXXX, support told me the transfer was still in progress and could take 1012 business days. On XX/XX/XXXX, they claimed the transaction was successfully settled and asked for a bank statement to prove nonreceipt. I provided an official PDF bank statement showing the funds are not in the beneficiary account. Abound then said they would escalate to their banking partner and resolve within 35 business days, but as of today the money is still missing and I have no proof of where the funds are. I have repeatedly requested confirmation of the actual status and proof of credit or a refund, but Abound has not resolved the issue. I am requesting that the company either ensure the funds are credited to my beneficiarys account or refund the {$1000.00} to my funding account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I called XXXX and told them I was having financial issues and they told me I had to start paying through XXXX XXXX specifically which added XXXX dollars to my payment they set up a payment arrangement okay thats fine but when I made a XXXX dollar payment XXXX for the XXXX XXXX. My payment to them was XXXX and because they only received XXXX due to the fee they said I breached the deal we made and started the foreclosure process. What do I do? Im about to lose my house if feels like a setup.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
If you want to avoid getting dragged into a civil lawsuit where you may have to pay for damages, for something you did not even intentionally do, I suggest you delete the illegal collection accounts from my credit report today. You see, CAINE WEINER, has furnished a collection account on my credit report without validating this debt with me beforehand. In fact, the following debt collectors never sent me a dunning letter ( which is mandatory to validate a debt ) within 5 days of the accounts getting reported ( which is also the initial communication ). Therefore, the accounts listed below must all get deleted from my credit report under 15 USC 1692g. However, there is one way you can leave the items on my credit report unscathed. And in order to do this, you must produce proof a dunning letter was sent to my address ( within 5 days of the account getting furnished ). If you can not produce the requested information, then, by law, you must delete the collection items off my credit report by my next report update. The only reason I am aware of these accounts are because they were in my credit report. If I got a dunning letter beforehand I wouldve, without a doubt, disputed the debt and never let this criminal debt collectors get away with this disgusting act. This is the reason, I intend to litigate immediately if these items are not removed from my report. I can not stand it when people try to take advantage of others which is obviously what is being done to me. So, if you want to free yourself from the heinous acts of the debt collectors in this complaint, simply delete the accounts below and I will drop my claim :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: IN

Complaint narrative:
After I paid my premium to renew my policy, BSI Financial transitioned my account to an escrow arrangement without my consent or prior notification. I called the mortgage company to correct this change, only to be told that they didn't make the change and to contact my insurance company ( XXXX XXXX ). Neither company wanted to admit to the error, and after sending confirmation of my active policy, I am still expected to pay a high amount of back pay for their mistake. My policy is on a monthly payment schedule of {$420.00}, and a {$4000.00} balance in two months does not reflect my actual rate or payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
This is an attempt to collect a debt from services for my children on XX/XX/year>. I am not the insurance holder of my family. My wife XXXX XXXX is the primary insurance holder. She carries the insurance which is from XXXX the medical insurance company carried by XXXX XXXX XXXX. This is erroneous billing made to me.

Company response to consumer: Closed with explanation