vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
To whom it may concern ; the plaintiff OneMain finance not only filed XXXX different charges, also filed XXXX summons in XXXX different counties XXXX of them I dont even reside, XXXX XXXX and XXXX XXXX XXXX XXXX separate dollar amounts XXXX separate summons are attached with this complaint XXXX XXXX : {$1000.00} XXXX XXXX : {$16000.00} {$5900.00} were added After a final judgment was entered in at XXXX XXXX court. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TN

Complaint narrative:
I am requesting immediate removal of this collection tradeline and correction of any inaccurate delinquency information associated with this account. The balance was paid directly to ProCollect on XX/XX/XXXX. Despite having accepted payment, the account was still reported as a collection on XX/XX/XXXX. In addition, I was never provided any written notice confirming that the debt had been satisfied after payment was made. XXXX is currently reporting that this account has been delinquent since XX/XX/XXXX. This does not correspond to an actual missed payment obligation and appears to be tied to lease timing rather than a true default. As a result, the account was reported as a collection after it had already been paid, and continues to be reflected with a delinquency history that does not accurately reflect the sequence of events. The continued furnishing of this account as a collection after payment, along with the failure to provide confirmation of satisfaction and the reporting of an inaccurate delinquency date, has resulted in misleading credit reporting.

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 2026-03-02 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
- I submitted a complete Loss Mitigation package in XX/XX/XXXX. - Shellpoint requested additional documents, which I submitted in XX/XX/XXXX. - In early XX/XX/XXXX, Shellpoint confirmed that my Loss Mitigation application was active and under review. - I continued to provide all updated documents requested ( bank statements, paystubs, etc. ). - I never received any denial letter or notice that my application was incomplete. - Despite this, Shellpoint allowed a Notice of Sale Under Power to be published in the XXXX XXXX XXXX on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. - The notice schedules my home for foreclosure sale on XX/XX/XXXX. - My property address is : XXXX XXXX XXXX, XXXX, XXXX XXXX. This has caused extreme stress and confusion because I believed my Loss Mitigation review protected me from foreclosure activity.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received a letter in the mail about unclaimed property with my old account with Wells Fargo. I followed the steps went to a local branch got it notarized and sent it back to their XXXX XXXX unclaimed property Wells Fargo department. Its been weeks now almost a month and I still have not heard anything back or any response to any emails sent pertaining to this matter. XXXX XX/XX/year> is when the due date to have this handled. I have tried numerous times to call them and just got the runaround that they only communicate via email. This is incredibly frustrating that I have {$7500.00} in limbo with Wells Fargo with very little communication. I need them to get back to me as soon as possible so I can handle this this week on time.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/year> Me and my partner had an appointment to discuss opening a buisness account, which we did the associate at the bank had no knowledge about opening a business account but we still stayed and trust the process, XX/XX/year> I got an email that they were closing my account and did not state a reason why so i called and the rep said they do not provide a reason if they fill they want to close they will i then advised them this call will be recorded and he then stated he would not talk further unless i stop recording which i did i then spoke to supervisor who also stated they do not give detail reason they just explain they closed your bank so for this reason i believe i have been discriminated against as i am a XXXX woman opening chase business account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,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 2026-03-02 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: NY

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

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 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Since instituting the ability to transfer funds instantly for a fee, XXXX has set the default state for transfers to instant. You have to manually unselect and select Standard each time you transfer funs. I have XXXX and often miss details. It isn't obvious that I will be charged a fee for a transfer. I look at the amount in large font with the amount I'm transferring and don't notice the fee I will be charged in smaller print, or that it's toggled to Instant transfer. I don't need the funds instantly, but have unknowingly submitted my transfer with Instant transfer enabled ( because that's the default state ). I keep forgetting that it's set up this way, because it's automatically set up to transfer instantly, so I'd have to remember each time I transfer. A recent transfer of {$1700.00} took a large chunk of my money. I have been assessed a lot in fees because of the way this is set up. The default option should be the standard transfer ( free ), not an expedited option that charges a fee. I have now paid a high amount in fees for funds I did not need right away. I recommend changing this feature. I know this is done to make more money, but it feels unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My payment was made on XX/XX/year>. Per my loan note, I have a 15 day grace period until the XXXX of the month to make my payment without a late fee. XX/XX/year> was a government holiday, therefore I had until XX/XX/year> to make my payment without a late fee and I was still charged a {$15.00} late fee in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
On XX/XX/XXXX I sent a wire transfer of XXXX to an associate 's account at Bank of America. All transfer information was correct, i.e. account number, routing number, etc. The wire transfer posted to my account on XX/XX/XXXX. The recipient reported not receiving the deposit into the designated account at that time. Bank of America was not providing direct information on the status of this transaction. I contacted my bank XXXX XXXX and requested that they recall the wire transfer as it was not received by my beneficiary. XXXX XXXX issued a recall on XX/XX/XXXX. There were 3 attempts at this recall by my bank to which Bank of America stated that they required the beneficiary to sign an authorization to debit form for them to return these funds. The beneficiary is reluctant to sign this form as the funds were never credited to the account. I have tried multiple times to obtain information on my funds as I have not been told how long Bank of America intends to hold my funds. I realize that they can not provide information on the account of the beneficiary however it is predatory for them to hold my funds for this duration with no indication of when they will release them or why this is happening. This is also highly unfair to me as I had to borrow the XXXX to perform this business transaction and I am paying 19 % interest on the funds being held! As I have no responsibility with whatever has caused Bank of America to hold these funds and because it is causing me financial distress I demand that I am reimbursed for 19 % interest on XXXX from XX/XX/XXXX to the date they finally either post these funds to the beneficiary account or return them to my account. It is unfair, predatory, and should be illegal for Bank of America to randomly without explanation decide there is fraud here with no time limit for refund and no communication to me. I tried to recall this and they have not cooperated in the recall nor are they providing any reason for my funds to be held in an institution with which I do not do business. This issue must be resolved immediately with either a return of the funds to my XXXX XXXX Account or by posting them to the beneficiary account. Either way this must be resolved immediately because Bank of America has been holding my money and earning interest from my funds for almost 60 Days, we will hit that mark on XX/XX/XXXX. BANK OF AMERICA HAS HELD MY MONEY FOR 60 DAYS WITH NO EXPLANATION OR COMMUNICATION OF WHEN THEY WILL RELEASE IT!. THIS IS ABSOLUTELY PREDATORY BEHAVIOR!

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 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Subject : FCRA Dispute DEPT OF ED student loans incorrectly reporting OPEN with balances after XXXX discharge approval XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Tradelines DEPT OF ED ( Education Loan ) To Whom It May Concern, My name is XXXX XXXX XXXX. I am disputing inaccurate information on my XXXX credit file under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681e ( b ). Disputed Accounts ( as shown on my XXXX report ) DEPT OF ED Education loan Opened XX/XX/XXXX Reporting balance : {$3000.00} Account status : OPEN ( last reported XX/XX/XXXX ) DEPT OF ED Education loan Opened XX/XX/XXXX Reporting balance : {$2200.00} Account status : OPEN ( last reported XX/XX/XXXX ) Why this is inaccurate The U.S. Department of Education has approved my Total & Permanent Disability ( TPD ) discharge. Nelnet/XXXX written notice dated XX/XX/XXXX confirms my TPD discharge was approved and that my post-discharge monitoring period has started. The notice also shows these loans as having {$0.00} outstanding balance with Nelnet. Despite the discharge approval and {$0.00} outstanding with the servicer, XXXX is reporting these accounts as XXXX with balances. This reporting is inaccurate and materially misleading. What I am requesting XXXX to correct Please complete a full reinvestigation and update these tradelines to accurately reflect the discharge approval, including : Change Account Status from OPEN to CLOSED/ discharged/ {$0.00} balance ( or the equivalent correct Metro-2 status ), and Remove/correct any reported balance, open loan status, payment information, or remarks inconsistent with the approved discharge. If the furnisher can not verify the open with balance reporting as accurate, the items must be deleted or corrected under FCRA 1681i ( a ) ( 5 ). Attached Documentation Exhibit A : Nelnet/XXXX XXXX discharge approval notice dated XX/XX/XXXX ( shows approval + {$0.00} outstanding with Nelnet ) Exhibit B : XXXX screenshots showing inaccurate OPEN status and balances ( {$3000.00} and {$2200.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I am writing to formally dispute an inaccurate collection entry that appears on my credit report. The account in question has been reported by IC SYSTEM and is associated with XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX customer service, and they confirmed that I do not have any outstanding balance. When I moved to another state, my balance was XXXX. I have always had autopay enabled on my XXXX XXXX XXXX account, and XXXX XXXX XXXX automatically deducted my bill every month without issue. XXXX XXXX XXXX customer service also provided me with documentation showing a XXXX balance at the time in question. Despite this, IC SYSTEM ( XXXX ) reported my account as a collection, which has unfairly hurt my credit score. This reporting is inaccurate and has caused unnecessary stress and financial harm. I have been a responsible customer, consistently paying my bills on time, and this collection entry is in error. I respectfully request that you investigate this matter, remove the incorrect collection account from my credit file, and provide me with written confirmation once the correction is made. a couple months ago XXXX REFERENCE NUMBER : XXXX ; CREDITOR NAME : XXXX XXXX XXXX XXXX ; CREDITOR ACCOUNT NUMBER : XXXX ; STATUS : ACCOUNT RECALLED AND CLOSED, VALIDATION PROVIDED, CREDIT DELETION. I'm wondering why IC system allow to hurt my credit score, please take a look on this matter. Thank you for your prompt attention to this matter. I look forward to your response within the XXXX-day investigation period as required by the Fair Credit Reporting Act ( FCRA ).

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
According to 15 USC 1681i ( a ) ( 5 ) ( A ) to demand deletion of unverifiable items

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOV ASSOC - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
Not getting correct information about payment counts towards PSLF program. Count not accurate

Company response to consumer: Untimely response
Consumer complaint received 2026-03-02 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: 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 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Received letter dated for XX/XX/year> yet its now the beginning of XXXX stating I owe XXXX XXXX XXXX a debt I dont have at all. If so its well over XXXX years old and Im sure its been credited off to said agencies and is irrelevant. Im currently XXXX and cant work due to my XXXX. I have the letter in question in my possession if proof is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
A trackable Debt Validation letter was mailed to Synerprise Consutlting Services on XX/XX/year> requesting the following : 1. A signed purchase or assignment agreement, signed by all parties involved, showing complete chain of title and legal transfer of the alleged debt. 2. Documentation proving your company is legally authorized to collect debts in my state, including your current state license and bond information. 3. A full itemized account of the alleged debt, including original creditor, dates, amounts and any added fees. under FDCPA. Correspondense to from Synerprise Consulting Services dated XX/XX/year> failed to provide above requested info.

Company response to consumer: Closed with explanation