vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding PayPal , Inc. and its debt collection practices involving a debt that I do not owe. 

PayPal sent an alleged debt to a third-party collection agency for a service that was never provided to me. Despite my good-faith efforts to resolve this matter directly with PayPal, the company proceeded to refer the account to collections without properly investigating or correcting the issue. 

The debt is invalid because : The service or product for which I was charged was not provided. 
PayPal failed to resolve the dispute before transferring the account to a debt collector. 
I am now being pursued for payment on a charge that is not legitimate. 

I have disputed this debt and requested validation. However, the debt has caused financial stress and the risk of damage to my credit for an obligation that I do not owe. 

I am requesting that : XXXX. PayPal withdraw the account from collections immediately. 
XXXX. The alleged debt be canceled and confirmed as invalid. 
XXXX. Any negative credit reporting related to this matter be corrected or removed. 
XXXX. XXXX and any involved debt collectors comply fully with applicable consumer protection laws. 

I am attaching any available documentation to support my claim and am prepared to provide additional information if needed. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've been receiving calls from a company. Saying that they're collecting a debt from Washington. Mutual that if I don't pay, they're going to take me to court. And that I'll be getting served anytime now. For this debt, and now because I told them that I wanted the address. So I could send them a cease and desist letter because this was not a debt that I owed. And now they have looked up my parents ' phone number and they are harassing my parents they're very rude, and they call them 4 times in 1 day, my parents told them I've never lived at that address. And now they're telling my parents that I've put their information down on a loan. I'm trying to get which is a lie, and they're telling them that I've given their social security numbers, which is another lie. And when I called them again today, they told me that they would not provide me an address and that they will good luck with myself. Cease and desist, and they'll see me in court.If I call them again, it's harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: PA

Complaint narrative:
I called to make a payment on XX/XX/year> since I knew my autopay payment would decline. I was hospitalized all that week and was unable to update my payment information in time so I called in to make a payment to ensure it wasnt late. The money was taken from my account but today I got an email that both the autopay and my payment were reversed and my account was past due. The first person I spoke with wouldnt help me at all. I called my bank and they confirmed it was not reversed. I called Opploans back immediately and spoke with someone else who did tell me that it was an error in their system. HOWEVER they would not reverse the additional interest accrued on my missed payment. These crooks are already illegally charging me over 150 % interest and then are no help and take even more money from me. They need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: NC

Complaint narrative:
This is a follow-up complaint regarding Self Financial/ Lead Bank.

I previously requested verification and documentation under the Fair Credit Reporting Act ( FCRA 611 & 1681i ).

Self Financial responded, but did not provide any documents proving the accuracy or ownership of the accounts reported.

I am disputing both of the following accounts : SELF FINANCIAL INC/ LEAD BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Self Financial failed to provide : A signed application or contract Proof I agreed to the account terms The complete payment history Proof of personal liability Furnisher verification date and method Manual verification documents vs. automated response Instead, the company claimed my submission was insufficient and shifted responsibility back to me. 
This does not satisfy the legal requirements of verification under the FCRA.

Per FCRA 611 ( a ) and 1681i : Once disputed, the furnisher must conduct an investigation The burden to verify accuracy belongs to the furnisher, not the consumer If the furnisher can not validate with documentation, the tradeline must be deleted A general statement or internal record check does not qualify as verification Requested Resolution Require Self Financial to provide full Method of Verification, including documents reviewed and dates If they can not verify, instruct the bureau ( s ) to delete both accounts Ensure compliance with the reinvestigation and reporting requirements of FCRA 611 & 1681s-2 This dispute is lawful, made in good faith, and not an identity theft claim.

I am challenging the accuracy, completeness, and verifiability of the reported data. 
Thank you for your assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Sunlight Financial LLC
State: TX

Complaint narrative:
I contacted sunlight financial the XXXX week in XXXX to ask for the original documents of my solar panels agreement. They never contacted me back so I called and their excuse was the documents were misplaced and not showing on my account? They asked for XXXX weeks to locate the original documents its been XXXX weeks working days and I got a phone call asking for a XXXX payment I agreed that I missed my payment and advised them that I was getting a loan to consolidate all my bills and that Rocket Mortgage is waiting for the solar panel original documents. I explained that if they had produced the document 's sunlight Financial would have been paid in full even with the information I gave them they still cant produce the original documents Ive been asking for. The gentleman I spoke to XXXX agreed with me that the financial institution had failed to provide me documents in a timely manner. I also recorded the phone conversation with XXXX he was aware of me recording him. He said that he himself could not locate the original solar panels agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reel Time Capital LLC
State: KS

Complaint narrative:
I received a voicemail from XXXX from XXXX XXXX with XXXX XXXX XXXX saying they were going to be at my house tomorrow from XXXX to XXXX to service me papers and will need a state id and take pictures of all vehicles in the driveway and on the premises but the inside and outside of the vehicles. He said if I am not there he will come to my work and will need to get a signature from me and my HR manager and supervisor when he gives me the papers. He said if I had questions to call back to XXXX to get more information. I called that number and after several calls where it went to an automated voicemail with no business information, I got a person and he said a law firm fast and would not slow down to where I could understand I was able to make out XXXX XXXX ( I think this is the second word ) and associates ) and put me on hold. The lady who then got on the found said XXXX XXXX went to a judge and got signed off for my wages to be garnished but made the lawyers take off the penalties and fees if I pay it and settle it with her as she is a third party mediator trying to resolve this out of court. She said it would be {$2100.00} if I paid today and if not she would let the lawyers know I was not willing to work to resolve this issue, I said no I am willing to resolve this if I can get information to verify the debt and the company and make sure it isnt a scam. I asked for the lawyers information that the payment would go to and that filed the paperwork she said she didnt have any of that information to provide me. She said that it would be XXXX since I didnt want to work with her and she would let the lawyers know. I again asked for more information to verify it was not a scam and she said I will let them know you dont want to resolve this and hung up. They called my phone, my husbands work phone which isnt under our name and my son phone leaving the same original message from the XXXX place to call the other place. I got off and looked online and do not see the debt on my credit report, I also searched my county court online and there is nothing against me and to make sure I called our district courthouse and he said there is nothing filed against me and that if there was and they were serving me tomorrow and going to do garnishments he would be able to see it that it is a scam. I have informed my son and husband to ignore their phone calls. The court house said to file a report here as well so it can be looked into and others know. I did try to call XXXX which is where the debt the callers said is from and they had sold my debt to Real Time Capital but there is no answer at Real Time Capital and neither places show up on my credit report as an open debt. And none of the callers today mentioned Real Time Capital which is where XXXX said they sold me debt too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I previously submitted a complaint with your company in regards to this matter and when I log in, it doesn't provide an update to the matter so, I am confused as to what is the resolve on my account with Navy Federal Credit Union being closed without any contact and/or information provided to me in regards to the account. This account was opened with a check that was provided to me by my deceased XXXX XXXX. I went to the bank over XXXX  years ago to retrieve funds and was denied access. I have called and went into the branch several times to rectify the situation and again to no resolve. It is unfair practice for a bank to withhold my funds without providing any information as to their reason. If alleged fraud was supected it was their responsibility to do their due diligence and advise me of their findings. It has been over XXXX  years and I still have not been provided with a resolution or my funds. Also navy federal has been debited my account in the amount of {$40.00} each month without my consent and I have no idea what it is for. The account had over XXXX XXXX dollars when they froze and then closed the account. The initial check amount was a little over XXXX thousands dollars..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I attempted to make payment on my mortgage account in the amount reflected on my most recent statement, which shows a XX/XX/year> due date. 

During my phone call with the servicer, I was informed that payment could not be accepted at that time and that any payment would need to be made via certified funds at a later date. I was also told that the loan had been referred to foreclosure counsel. However, I was not provided with the name of the law firm, a case or reference number, or any written payment instructions, and I was instructed to call back in approximately one week. 

My online account access is restricted and does not allow payments or secure messaging, displaying only a phone number for support. I have not received any written documentation confirming the change in account status or explaining how to make a reinstatement payment or full payoff. 

I attempted to resolve this by requesting written confirmation of my account status and written payment instructions so that I could remit payment promptly, but no such information was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: CA

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 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
On my credit report, there is a charge from collect Tech diversified in the amount of XXXX from XXXX XXXX. At no time have I ever had this. I was told by yalls customer service to report it on here as well as by 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 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
This has been an ongoing issue for years. I've had to involve XXXX XXXX office to even get a response. Company ignores calls, lied, illegally for years sent payments to other students ( documented ), refuse to process documents, lied and claimed they have no paperwork ( admitted to lying to XXXX ), and won't process XXXX. Not only does it qualify but it now qualifies for undo hardship/fraud since years of payments and personal information was leaked. The loans are sooooooo messed up I couldn't even get access or even if I wanted make a payment. 

MOHELA messed up the transfer from myfedloan who also mismanaged my loans and illegally added in fees.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Unauthorized Loan, Misrepresentation, and Failure to Produce Alleged Signed Contract To the Consumer Financial Protection Bureau, I am filing a formal complaint regarding an installment loan processed through Affirm and LawPay related to XXXX XXXX XXXX XXXX XXXXXXXX, Texas. 
Loan details : * Lender : Affirm * Payment processor : XXXX * Merchant : XXXX XXXX Firm * Loan ID : XXXX * Amount : {$1200.00} * Date XXXX XXXX XXXX XXXX Facts : XXXX. I paid {$1200.00} as a partial retainer for legal services for my mother. 
XXXX. No legal services were ever rendered. 
XXXX. My mother contacted the law firm multiple times throughout 2024 and was told to stop calling and that they would contact her. They never did. 
XXXX. Neither I nor my mother signed any retainer agreement, contract, subscription, or authorization. 
XXXX. Despite this, LawPay and the merchant provided Affirm with alleged signed documents.

6. Affirm relied on those representations without producing the documents to me or verifying their authenticity.

Concerns : * Affirm and LawPay refused to provide copies of the alleged signed contract.

* Affirm closed both a merchant dispute and an unauthorized activity investigation in the merchants favor without transparency. 
* I believe there has been misrepresentation of authorization and improper reliance on unverifiable documentation. 
* I have been financially harmed and denied due process as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Order a stroller for my niece from Target to be delivered to her home state. The stroller never arrived as promised, I've contacted Target so many times I've lost count they keep telling me it's on it's way it was ordered XX/XX/XXXX and was to be delivered on XX/XX/XXXX. XXXX has lost the item and can't deliver it. I want a refund of the item that was never delivered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Its many claims from XXXX. This is my second complaint with no resolutions. Its over {$30000.00} Im missing and its been years.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Elite Portfolio Management, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi, XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Proof of Debt and Compensation for Illegal Collection Practices Customer Number : Consumer ID : XXXX Dear Elite Portfolio Management, I am writing in response to your recent communications regarding the alleged debt associated with my name. I have provided proof that I have been contacted by your company, and I assert that I have no contract with you regarding this matter. Under 15 U.S.C. 1692g, I request that you provide verification of the debt. Additionally, I demand the following documentation : Flow agreement Transfer assignment Bill of sale Original contract Furthermore, I would like to remind you that under 15 U.S.C. 1692e, a debt collector can not validate a debt while it is still reported on my credit report. Additionally, 15 U.S.C. 1681s-2 states that a debt collector must validate a debt before placing it on my credit report. I also demand the chain of assignment for this debt, as it appears you purchased it without recourse. Please provide original documentation, including a wet signature, proving that I have entered into a contract with Elite Portfolio Management , LLC. Due to your illegal collection practices, I am seeking compensation in the amount of {$15000.00} for financial ruin and emotional distress caused by this situation. Please respond to this letter with the requested documentation within 30 days. Failure to comply will result in further action, including but not limited to notifying the appropriate regulatory bodies. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: MD

Complaint narrative:
My XXXX insurance policy for home owners and flood insurance was not paid causing a lapse in coverage policy canceled and higher premiums due to this mismanagement. I had to contact the insurance company personally and pay to prevent losing my flood insurance and pay a fee to keep my home owners policy. This was back in XX/XX/XXXX now the flood is past due as of XX/XX/XXXX

Company response to consumer: Closed with explanation