vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: ROYAL UNITED MORTGAGE LLC
State: MI

Complaint narrative:
I requested a small equitybased loan to access funds from my home. Instead, I was placed into a {$76000.00} mortgage by Royal United Mortgage LLC under circumstances that were misleading and confusing. I was told the loan was an FHA/HSAtype program designed to help homeowners, but the disclosures and final documents do not match each other or what I was told. My Closing Disclosure identifies the loan as FHA and includes an FHA Loan ID number and MIC number. It also lists FHA mortgage insurance. However, the Note I was given is not an FHA Note. It does not contain FHA language, does not include an FHA case number on the Note itself, and does not follow FHA loan structure. The Note lists Royal United Mortgage LLC as the lender with conventional terms. The disclosures and the binding contract do not match. There is also a major discrepancy in the interest rate. The Closing Disclosure lists a 6.875 % interest rate, but the Note lists a 2.875 % interest rate. I was never given a clear explanation for this difference, and I did not knowingly agree to a higher rate. There is also a large discrepancy between the loan amount and the cash I received. Although the loan amount is {$76000.00}, I only received {$51000.00}. More than {$24000.00} of the loan amount was taken for fees, payoffs, or charges that were not clearly explained to me. I am now paying interest on the full loan amount, including money I never received. Additionally, the mortgage documents I was originally provided were incomplete. The legal description ( Exhibit A ) was missing and only appeared later in a different document. This raises concerns about whether the mortgage was properly executed or recorded. Royal United Mortgage originated the loan, but XXXX XXXX has serviced it from the first payment. Neither company has provided a clear explanation for the mismatched disclosures, the inconsistent loan type, the interest rate discrepancy, or the missing documentation. I believe this loan was misrepresented, improperly disclosed, and not suitable for what I requested. The disclosures do not match the Note, and the loan terms were not clearly or accurately explained to me. I am requesting a full investigation into the origination and servicing of this loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
My wife passed away on XX/XX/XXXXXXXX and had an account balance of {$360.00} with XXXX. I contacted XXXX on XX/XX/XXXXXXXX and told them that I have her death cert. a notarized small estate affidavit my ID. and asked what steps I needed to take to collect her {$360.00} they sent me a link to download all the documents. On XX/XX/XXXXXXXX I send them another email stating that I keep getting told I will receive information in a week, then I get told it would be 2 weeks. I finely get told I would receive a check for {$360.00} in XXXX weeks and if I don't see it with in 5 weeks to let them know. No check was received and on XX/XX/XXXXXXXX XXXX said there was a problem with my address and that it would be corrected and a 2nd check would be issued within 4 weeks. It is going on 8 weeks and still no check, I have informed XXXX of this and they said that they would expedite the matter to a higher team and I would get a answer within 24 to 48 hours I have been told this twice now with no response. It is my belief XXXX has no intension of sending me a check. Also I have a XXXX account and they have my banking information. Why do they insist on sending a check that I will never see.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Property Receivables, Corp
State: AZ

Complaint narrative:
I contacted Property Receivables to dispute a collection account related to XXXX at XXXX XXXX that was paid in full in XXXX. I have documentation including money orders and a signed property XXXX confirmation. During the call, the floor XXXX XXXX XXXX XXXX ) was rude, dismissive, and refused to properly review the documentation while continuing to pursue collection of a debt that was already satisfied. I have disputed the account with the credit bureaus and with the agency directly. I am requesting review of the recorded call and correction of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
I was paying through payment plan since XXXXwith XXXXThe debt agency merged with another company and I was not notified.called XXXX. They said I entered a payment agreement in XXXX of XXXX with the new company XXXX which I did not. I asked for a letter to be mailed stating the original creditor and amount which I was denied. I am also disputing amount which all I asked was to send me verification of that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ProCollect, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). You are hereby directed to cease and desist from any and all communication with me regarding the above-referenced alleged debt. This includes, but is not limited to, communication by telephone, email, text message, written correspondence, or through third parties. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they wish the collector to cease further communication, the debt collector must comply, except to advise that collection efforts are being terminated or that specific legal action may be taken. Any further communication from you, outside of what is expressly permitted by law, will constitute a violation of the FDCPA and may result in legal action being taken against you, including the pursuit of statutory damages, actual damages, and attorneys fees. This notice is not an acknowledgment of liability for the alleged debt. Please govern yourselves accordingly. 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 2026-03-10 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: TX

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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: RI

Complaint narrative:
I RECEIVED A NOTICE OF A DEBT FROM AN ACCOUNT I NEVER OPENED, RESULT OF IDENTITY THEFT. I WILL BE CALLING THE CREDITOR TO DISCUSS THIS FRAUDULENT DEBT. THANK YOU XXXX XXXX XXXX XXXX, PA XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor : NCB Management Services Account Number : XXXX NCB File # : XXXX ACCOUNT INFORMATION Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Have requested an amortization schedule 3 times over a month ago. Twice I was sent a copy of an old mortgage agreement which should no longer be in effect. First of all I was not even informed that the mortgage was transferred to Rocket Mortgage. Each time I called about the schedule, was told I would receive the information within 7 days. Today first I was told it would take about 3 weeks and then secondly, I was told it would take 30 days. I also requested assistance in gaining access to my online account. Representative was unable to assist with me getting access to my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: NC

Complaint narrative:
My debit card with Wells Fargo has been used twice without my knowledge to purchase thousands of dollars of things seemingly at random. Once at XXXX someone charged by card for nearly {$3000.00}. Another time this being most recent as of XX/XX/XXXX my card was charged again for a little over {$4000.00}. The first time I reported it to Wells Fargo they took care of it this time nothing. When I called today XX/XX/XXXX, I was confused why my claim was denied it was blatant fraud. Once I got connected on the line with someone from their department I asked why my claim didn't get appealed. The answer I got back was " The fraud team found no fraudulent activity with these transactions. When it's over {$4000.00} and all I spend money on is food, groceries, and other small miscellaneous things never even reaching the thousands. I wasn't allowed to reopen the claim in the Wells Fargo app nor over the phone when I asked if it was possible. So now I'm sitting here wondering how I get all my money back. I went to the site that was listed and they seem to have no kind of direct way of getting ahold of somebody on the phone the only thing that there is simply AI chat bots, d even the copyright license on the site itself is from XXXX if that isn't suspicious enough.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
LVNV Funding is reporting a collection account on my credit report that has not been validated. I am requesting verification or deletion from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Validation of Debt Request - I C SYSTEM - XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
My fianc and I have a joint checking account with eTrade ( Morgan Stanley ). My fianc is currently XXXX and after careful review of the circumstances the best option was for her to cash-in her XXXX with XXXX and XXXX XXXX and seek legal council. I have durable power of attorney over her finances and was thus able to handle this process for her. So we cashed in her XXXX and had XXXX wire the money directly into our joint eTrade checking account. The next day they released the funds and for a week allowed us to spend money. Then after a week had passed they suddenly placed a hold on our account and froze it which inturn caused our local bank, XXXX, to freeze as well since it is linked to our eTrade account. Well initially it seemed to be a simple verification thing so we happily submitted everything they requested. To date we have provided detailed reciept of transaction from XXXX, account statement from XXXX, power of attorney, licenses for both of us, front back and selfie, letter of XXXX and letter of instruction. Each time we submitted a document they tacked a 3-4 day review process and in the case of a couple documents they have not adhered to any timeframe. They have dragged this on for a month now and have never gave us written notification of any kind of hold or freeze reason nor timeframe for fund availability infact they have never notified us of anything eventhough we have made several demands for such. They have been extremely rude in how they treat us and in fact one of their agents went as far as to call us liars without just cause. We are told that all of these documents have been accepted and approved one day and then the next when we ask to have hold lifted they find some reason why suddenly one or another is still in review. They lied to us on multiple occassion and have done everything in their power to maintain this hold now at 30 days with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: TX

Complaint narrative:
We took a 'Direct Parent Plus ' loan for the child 's college for the XXXXXXXX XXXX semester. It shows as " 1-03 Direct Parent Plus ' in the Mohela account. The amount was {$13000.00}. Since the interest rate was high, we decided to pay it off in XX/XX/XXXX. Made a payment of XXXX on Friday, XXXX. The transaction was processed on Monday, XXXX, as shown in my bank statement 'Dept Education Student Ln XXXX XXXX XXXX XXXXXXXX XXXX The transaction was never reflected in the loan balance, and interest was also charged until the current day. We continued making monthly recurring payments on this loan because the XXXX XXXX loan amount was also added to this account. None of the monthly payments were ever reflected in the account balance. Currently, it shows the total loan amount as unpaid, plus the interest. But we paid more than 70 % of the total amount for both Fall and Spring. We called Mohela many times to resolve the issue. We had to stay in line for 7 hours on one day, but no solution was provided after many escalations. On our last call, XXXX XXXX ( XXXX XXXX XXXX ) was so rude and pretended like she didn't understand our accent. She made us repeat the same question many, many times, and caused so much pain and distress. At this point, we do not know any otherway to resolve this issue. All the payment evidence is attached. Loan Details : Mohela Account number : XXXX Parent Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Escalation number XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation

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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Repeated Account Closures After Approval Request for Explanation I am submitting this complaint regarding a pattern of behavior by Capital One that I believe may constitute an unfair or deceptive practice. Capital One has repeatedly approved my applications for credit cards, only to close the accounts shortly afterward citing a vague business decision without providing any meaningful explanation. This has occurred multiple times. Despite these closures, Capital One continues to solicit and approve new credit card applications for me. This creates a confusing and frustrating situation where I am led to believe I am eligible for their products, only to have the accounts closed again shortly after opening. I have no negative payment history with Capital One and have complied with all account terms. Because these approvals are being granted and then reversed repeatedly, I am concerned that this process may result in unnecessary hard inquiries on my credit report and, in some cases, the collection of annual fees before the account is closed. At this point, I am requesting that Capital One provide a clear explanation addressing the following : 1. Why my accounts continue to be approved and then closed shortly thereafter. 2. Whether I am internally flagged or otherwise deemed ineligible for Capital One credit products. 3. Why I continue to receive solicitations and approvals if the bank has no intention of maintaining a credit relationship with me. If Capital One has determined that I am not eligible for their products, I respectfully request that they cease marketing and approving applications for credit cards in my name. I am simply seeking transparency and fair treatment in this matter. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation