vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, this account was added to my credit report without my knowledge. In XXXX, I was denied a rental property after discovering it was on my credit file. I sent a debt validation request in XX/XX/XXXX and received no response. I then sent a second debt validation request by certified mail with green return receipt in XX/XX/XXXX, clearly specifying what I was requesting. Despite my requests, the company has increased the balance by over {$5000.00} through added fees. I am asking them to provide a complete, month-by-month breakdown showing exactly how every fee was calculated and applied, including the specific contract or legal basis that authorizes each charge. The company claims to the XXXX and CFPB that it will contact consumers directly, but consumersincluding mehave stated that this never occurred. I therefore request that you provide proof of debt validation through your portal only, including the portal submission/validation records and the full portal PDF/documentation showing the debt validation/verification and supporting basis for the balance, including every fee and charge added.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
A XXXX XXXX DID a unauthorized linking of her Paypal acct to my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX business acct and stole XXXX thru XXXX money transfers there is a active arrest warrant out for her I want my money refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 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: Paypal Holdings, Inc
State: CT

Complaint narrative:
This is a copy of the letter I finally wrote after trying to resolve through PayPal customer service and their resolution center to no avail. Good Day, I am writing to this dept per an email I received from XXXX no last name provided after I sent this email to the XXXX and the XXXX XXXX fraud dept. in hopes an unresolved fraudulent charge may be reversed on my account. I have called and spoken to numerous agents at PayPal from the onset of this situation and have also escalated my claim a number of times. On Sunday, XXXX XXXX I recognized an unauthorized transaction through PayPal in the amount of XXXX from XXXX XXXX XXXX of which Ive never heard of and certainly have never done business with. I immediately called PayPal and voiced my concern. They said that they would put a dispute in and investigate it further. I then recognized another charge for the same amount of {$350.00} from the same company set up somehow as a recurring payment. I was very alarmed. I immediately called PayPal again. I closed my bank account. Paypal assured me it would be taken care of and credited, but that has not happened. PayPal has only credited me one of the transactions for {$350.00} the other transaction for {$350.00} is still pending and showing on my closed bank account as an overdraft. Needless to say and unfortunately, I had to call Paypal many times only to get the same script of are you sure you didnt authorize this payment etc. etc. I then filed another dispute. I tried to escalate my claim and PayPal is saying that I authorized this recurring payment and they will not credit me my {$350.00}. I am writing to you both in trust that you will rectify this problem. Its been quite a headache as Ive had to close many accounts and change things such as payroll accounts, automatic payments, and the like. I dont really trust PayPal at this time, and I have been with you for XXXX years, so much so that I owed a small balance on Paypal credit and I sent a bank check because I dont want you to have any of my banking information at all moving forward and I also want to close my account with PayPal. In the big scheme of things {$350.00} is a lot to me, but may not be a lot to your large corporation and most importantly its a fraudulent transaction. I am kindly requesting that you have this charge reversed for me so that I can close my account with PayPal and move forward and not have delinquencies in my bank account. Please see below for the transaction details. I Thank you in advance for your assistance. XXXX XXXX Case details Case ID : XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX Date reported : XX/XX/year> Invoice ID : XXXX Transactions not refunded XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Preapproved Payment Transaction ID : XXXX - {$350.00} USD XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, my PayPal account was charged 7 times for a total of {$210.00} USD by XXXX XXXX XXXX XXXX. These were unauthorized fraudulent transactions. I have never run XXXX ads and my XXXX XXXXXXXX shows {$0.00} lifetime spend. On XX/XX/year>, I filed a dispute with PayPal. PayPal deliberately misclassified my fraud claim as " Item Not Received '' instead of " Unauthorized Transaction '' to avoid their legal obligations under Regulation E. On XX/XX/year>, PayPal sent me a final decision : " We reviewed this transaction and will deny the claim. This decision was based on data provided for this case. '' I never received any item or service. This is not a merchandise dispute. PayPal is refusing to investigate fraud and is violating Regulation E, which requires them to refund unauthorized transactions reported within 60 days. I already filed CFPB complaint # XXXX against XXXX for the same 7 transactions. PayPal enabled this fraud as the payment processor. Transaction IDs : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I want PayPal to refund the full {$210.00} and properly investigate fraud claims instead of misclassifying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
Money 4 You continues aggressive collection activity on loan XXXX despite my formal revocation of all payment authorizations on XX/XX/XXXX, and despite my pending complaints with the Utah XXXX XXXX On XX/XX/XXXX, they sent a default notice demanding {$4400.00} and threatening to file a lawsuit, obtain a judgment, and garnish wages. On XX/XX/XXXX, they sent a settlement email offering a " one time settlement '' and urging me to call or text them immediately. These communications violate my repeated written requests for mail-only contact. This is retaliatory collection activity during active regulatory complaints. The underlying loan contains the original TILA disclosure violations detailed in my prior complaint : the representative failed to verbally disclose the {$1200.00} rollover of prior principal ( only {$240.00} was new money ), the {$1700.00} finance charge, total payments of {$3200.00}, 369.01 % APR, and potential escalation to {$4300.00} during the rushed XX/XX/XXXX phone call. These omissions violate TILA ( 15 U.S.C. 1638 ), Regulation Z, and constitute UDAAP ( 12 U.S.C. 5531 ). I have paid approximately {$200.00} to date. Continued threats and contact are causing ongoing financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: MN

Complaint narrative:
I use XXXX as my direct deposit for work checks also I use it for everyday purchases. They froze my account for no reason was given. They asked for a picture of my I.d I sent that in they also asked for a selfie either my I d .. also sent that in. Now they r just playing a run around and saying they never received my picture which is false because another person on the phone told me they did receive it. All of my money is in that account I move this Monday and do not have access to my money if it is not unfrozen before Monday Ill be homeless please help asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
Started re-fi application on XX/XX/XXXX was a smooth process was quick and completed without issue. The application fee was {$250.00} which was taken at time of application. After a couple weeks of questions back and forth and doc 's being sent for the application we received an approval for the re-fi. At which time we scheduled a closing which was set for XXXXXXXX XXXX XXXX XXXX XXXX XXXX. We waited hours for the notary to show she was a no show! Later in the day we received e-mail saying could not do closing because loan doc 's were never sent to title/closing agency. We scheduled another closing, for XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX waited once again for hours another no show. Spoke with XXXX our closing contact at Pennymac and XXXX XXXX XXXXXXXX said he would file a note to the executive team and would get back to me. I never received any follow up from XXXX. Scheduled another closing for XX/XX/XXXXXXXX XXXX XXXXXXXX after speaking with and received confirmation e-mail closing set for XX/XX/XXXXXXXX XXXX XXXX XXXX Again, no one showed to close the loan. To say we are frustrated is an understatement. In the mean time my mortgage payment is late ( current ) and other loans due to the fact they were not paid timely because they are part of pay-off from the re-fi. No one seems to care or has follow up skills.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Peoples Credit Inc.
State: IL

Complaint narrative:
Primary Issue : Improper debt collection practices Complaint Description : For nearly ten ( 10 ) years, Peoples Credit , Inc., either directly or through its agent XXXX XXXX XXXX, has attempted to collect an alleged debt from me without providing the required written validation notice or documentation as mandated by the Fair Debt Collection Practices Act. Despite repeated requests, I have never received written account statements, a payoff amount, or documentation showing how the alleged debt was calculated or how my payments were applied, which is required for transparency and fairness under federal law and the XXXX XXXX Rule. At the direction of the collector, I made recurring payments of approximately {$200.00}, yet no payment history or accounting was ever provided, which is necessary for verifying the accuracy and legitimacy of the balance claimed under federal law and the XXXX XXXX Rule. I have repeatedly requested validation of the debt, including proof of the original obligation and an itemized breakdown of principal, interest, and fees. These requests were ignored, and collection attempts continued in violation of federal requirements to cease collection until verification is provided. More recently, I received hostile, aggressive, and intimidating communications from a representative identifying himself as XXXX. The tone and manner of these communications appeared intended to pressure or intimidate me, which is prohibited by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d. Legal Concerns : The conduct described above appears to violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : failure to provide proper debt validation after request, continued collection activity without verification, failure to provide accurate account information, and the use of harassing or abusive communication tactics. Given the extended length of time involved, the absence of documentation, and the nature of the communications, this matter raises concerns of predatory or potentially fraudulent debt collection practices. Harm Experienced : This situation has caused significant emotional XXXX, confusion, and financial uncertainty. After nearly a decade, I remain unable to determine what the alleged balance represents, how my payments were applied, or whether the debt is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX charged off an account on my credit. They were indeed supposed to send a XXXX. Portfolio XXXX associates has been trying to sue me since XXXX. The account number is XXXX, that is off of my credit report. The amount is {$3100.00} on my credit report and that was the total amount of the account when it was opened and, the last amount owed was XXXX which shows that I did pay XXXX. I have mailed letters to Portfolio recovery associates, by way of certified mail with return receipt requested, they simply mail the letters back un-opened. I have disputed this on my credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pittenger Law Group, LLC.
State: KS

Complaint narrative:
An agreed settlement amount was made with the creditor, Pittenger Law Group, LLC with payments to start XX/XX/XXXX and completed in XXXX months, to be XX/XX/XXXX. After I made XXXX payments totaling {$2000.00}, ( ahead of scheduled payment arrangement ) I requested an account balance and payment history from Pittenger with the intent to pay the balance within XXXX months. I never received the requested documentation. When I finally reached someone by phone, I was told they could not speak with me or accept my offer of payment as I had a Power of Attorney on file with their office. ( This POA was devised so my attorney at the time could also speak with them if needed on my behalf. ) It was shortly afterward that I received notice of a wage garnishment for the remaining balance. The settlement amount of {$4300.00} was paid by way of phone payments in the amount of {$2000.00}. and wage garnishments in the amount of {$2300.00}. This totaled {$4400.00} by XX/XX/XXXX. It was my belief at this point that I had satisfied my obligation early per our agreement. Upon the last payment by way of wage garnishment on XX/XX/XXXX, I requested a Satisfaction of Judgment from Pittenger Law Group via voicemail to their office at XXXXXXXX XXXX XXXX XXXX. With no response, I called again on XX/XX/XXXX, and again, left a voicemail for XXXX. I also sent requests via email. In that same month, my attorney 's at XXXX XXXX also tried to reach someone at Pittenger Law Group and were unsuccessful. XX/XX/XXXX, I discovered my bank had been given an order to levy my account. Funds were being held and to be paid to Pittenger Law Group. I immediately started trying to reach Pittenger Law Group at XXXX. I have called XXXX times per day, every day from XXXX XXXX to current, XX/XX/XXXX. I can never reach anyone by phone at any extension or a general operator. I have left several messages. I have also emailed them at XXXX as well as emailed through their contact page on their website. I have still not received any response from them. I also filed a Motion to Set Aside Default Judgment with the district court and provided Pittenger with a copy via XXXX as well as electronically. I believe Pittenger Law Group, LLC has now Inflated and Misrepresented the debt and have falsely filed an order to levy my assets where there is no money owed. In addition, I was unaware of any new filings against me that would have prompted such order to levy my assets. I am losing time from work to address this. I now have undo stress of having to handle a legal situation and not know if my bank account will be garnished to the point that I can not afford the cost of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
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 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Prog Holdings, Inc.
State: AR

Complaint narrative:
My complaint with Four began on XX/XX/year> after issues started with my spending power being repeatedly reduced without explanation. Although my account still shows a {$200.00} spending limit, I currently have {$0.00} available to spend. I have consistently made payments on time and often early, with only one missed payment that occurred months ago. I also pay {$12.00} monthly for the Four+ subscription service to use retailers such as XXXX and XXXX XXXX but I have been unable to properly use the service due to these account restrictions. I believe the issue may have started after using a friends card to make a payment on my account. Once support informed me this could affect my account, I immediately removed the card as instructed. However, despite following their directions, my spending power continued decreasing from {$200.00} to {$110.00}, then {$100.00}, then {$0.00}, then {$11.00}, and back to {$0.00}. Since XX/XX/XXXX, I have repeatedly contacted customer support seeking clarification and assistance. Most responses have come from automated AI chat support, with only occasional responses from actual representatives. Each time I contacted support or questioned the issue, my spending power appeared to decrease further. Despite my efforts, I have not received a meaningful explanation, proper account review, or resolution. After escalating my concerns, I received a generic response stating the company could not discuss the decision-making process for security reasons. No timeline, clear explanation, or actual resolution has been provided. I am requesting a proper manual review of my account, a clear explanation for the repeated spending power reductions, and resolution regarding the inability to use services I am actively paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
ACCOUNT XXXX - FAILED DEBT VALIDATION & ILLEGAL TRANSFER TO DEBT COLLECTOR On XX/XX/year>, I sent XXXX XXXX a debt validation request under 15 USC 1692g for account ending in XXXX. I requested proof of the original creditor, account statements, signed contract, and legal authority to collect. XXXX XXXX had 30 days to validate this debt and cease all collection activity. They FAILED to provide any validation. Despite this failure, XXXX XXXX : - Illegally transferred this unvalidated debt to a debt collector - Continued reporting to credit bureaus without verification - Violated 15 USC 1692g ( FDCPA - debt validation requirement ) - Violated 15 USC 1692e ( 2 ) ( A ) ( false representation of debt validity ) - Violated 15 USC 1681s-2 ( a ) ( 1 ) ( FCRA - furnishing unverified information ) - Violated 12 USC 5536 ( CFPA - deceptive practices ) XXXX XXXX can not prove I owe this debt. This is part of a systematic pattern across multiple accounts ( XXXX, XXXX, XXXX, XXXX ). I demand : 1. Immediate deletion from all credit bureaus 2. Recall from debt collector 3. Written confirmation debt is cancelled 4. Compensation for violations 5. Investigation into systematic FDCPA/FCRA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NJ

Complaint narrative:
I requested student loan forgiveness based on the number of years I have worked or a non-for profit. They requested XXXX documents from XXXX to XXXX. I was able to provide them them all XXXX expect XXXX. It was suggested that I contact XXXX and IRS to obtain that years XXXX ( XXXX ) IRS was not able to provide me with XXXX for that year ( XXXX ) XXXX was not able to provide me with XXXX for that year ( XXXX ). The agency I worked for does not have documents dating that far back. I was able to submit a XXXX from the company but student loan ( Mohela wanted the XXXX ) document. Every month they change the forgiveness date first it was XX/XX/XXXX, then XX/XX/XXXX most recent today it says XX/XX/XXXX. I want to know if it is XXXX document that is stopping the forgiveness. Then they asked me about a buy back. Why should I have to pay for some thing that should be forgiven.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Imprint Payments, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Imprint ( the credit card issuer/XXXX platform ) regarding unsafe account management and authentication practices that leave consumer financial data severely exposed.Imprints web portal allows full access to credit card accounts using only a consumer 's phone number and a static XXXX PIN. The platform does not allow users to create strong, complex alphanumeric passwords. Furthermore, it lacks any option to enforce secure Multi-Factor Authentication ( MFA ), such as an authenticator app or security key.This weak security posture drastically increases the risk of identity theft, unauthorized account access via SIM-swapping, and credential brute-forcing. When I attempted to secure my financial account, I discovered the institution provides no technical mechanism to enforce higher security standards. I am asking regulators to compel Imprint to upgrade their authentication systems to comply with modern financial data security standards to protect consumers from fraud.

Company response to consumer: Untimely response