vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
I am a small business owner who used XXXX XXXX / XXXX ( Fiserv ) for credit card processing services. Over time, my effective processing rates increased significantly without clear explanation or transparent disclosure. My rates rose from approximately 34 % to as high as 1012 %, as reflected in my monthly statements. For example, in XX/XX/year>, I was charged approximately {$3100.00} in fees on about {$26000.00} in processing volume, resulting in an effective rate of over 11 %. In contrast, after switching to a different processor, my effective rate dropped to approximately 3.3 % for similar transaction activity. I repeatedly contacted the company and requested a copy of my original merchant agreement, a full breakdown of my fees, and an explanation for the increases. Despite multiple requests and escalation to the Presidential Unit, I have not received the original agreement or a clear explanation of the pricing changes. I relied on the agent who set up my account and reasonably trusted that my pricing would remain consistent or that any changes would be clearly disclosed. Instead, I experienced significant and unexplained increases in fees over time. I am seeking a full review of my account, an explanation of all fees and rate increases, and reimbursement for any excessive or improperly disclosed charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
The vehicle was sold to me with a minor back left vechile crash that was per the fax report showed no other damage. A few months after I purchased the vehicle would die out and I had to have the vehicle repaired XXXX times and all XXXX machaincs said the same thing that the reason the vechile would stop working and leave me stranded was due to the entire front frame being bent which would cause the engine to slip and hit the rdiator. I pleaded my case to the finance company who didnt even investigate and or send a follow up to my repeated attempts to take the vechile they frudulatly sold me off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Failure to Investigate / Incorrect Dispute Coding ( Follow-up to CFPB Complaint XXXX XXXXXXXX ) I am filing this complaint because Bank of America closed my previous CFPB complaint by relying on an admitted data-entry error to avoid reviewing my evidence. 1. The Admission of Error : In their official response to my previous complaint, Bank of America stated : " you contacted us by phone to initiate seven billing dispute claims... stating the cause to be non-receipt of service. '' 2. The Violation : This proves the Bank investigated the wrong thing. I provided explicit written evidence ( a merchant Refund Agreement ) for " Credit Not Processed '' ( Visa Code 13.6 ). I am not disputing the receipt of services. 3. The Bureaucratic Loop : Because the Bank 's phone agent clicked the wrong internal code, the Bank 's investigators are repeatedly demanding irrelevant evidence ( proof of cancellation ) and willfully ignoring the binding Credit Voucher I provided. 4. Resolution Demand : I demand the Executive Office manually correct the dispute code to " Credit Not Processed '' ( 13.6 ), review the Merchant 's written Refund Agreement, and issue the permanent credits for the remaining claims.

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 2026-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: PA

Complaint narrative:
My private student loans are serviced by MOHELA. My cosigner is deceased, and I previously submitted his death certificate. However, MOHELA continues to send correspondence addressed to my deceased cosigner at my mothers address, which is extremely distressing and inappropriate. I am currently experiencing financial hardship and can not afford the monthly payments. I have fallen behind and have requested hardship assistance, including reduced payments or forbearance, but I have not been provided with reasonable options that I can afford. These loans are nearly XXXX XXXX XXXX, and I am trying to resolve the situation responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: DLC, LLC
State: NV

Complaint narrative:
On XX/XX/year>, I sent a formal " Cease and Desist : Contact at Employer '' letter to Dollar Loan Center. Despite their receipt of this notice, they have contacted my place of employment three times, leaving voicemails on my work phone. These calls persist despite my explicit written instruction that my employer prohibits such contact. While the representatives do not disclose debt details to colleagues, their Caller ID ( " Dollar Loan Center '' ) and self-identification cause significant professional embarrassment. Furthermore, I am acting in good faith by maintaining a voluntary monthly payment of {$300.00} toward the {$2600.00} balance. I request that the CFPB compel the company to immediately cease all workplace communications and adhere to the communication preferences established in my written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
A wage garnishment was initiated by Med-1 Solutions based on a judgment I was never properly served for. Notices were sent to an address I have never lived at. I requested debt validation and emailed their legal department multiple times with no response. My wages are being garnished ( ~ {$400.00} per paycheck ), causing severe financial hardship as a single parent. I have now filed motions with the court to quash and stay the garnishment due to improper service and lack of due process. I am requesting immediate intervention and that Med-1 cease or suspend garnishment pending court review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: DC

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received a direct deposit from irs for a person I am the power of attorney for they initially froze my account i provided documents and they unlocked it then they locked it again said I had to wait XXXX until the funds are released then they said it was be released in XXXX days it has been almost a year and my funds are still not release and they will not give me a explanation on why the funds are still being held.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am submitting this complaint regarding a Bank of America account that is currently reporting negatively on my credit report. The account became delinquent shortly after I experienced a loss of income due to my position being eliminated in XX/XX/year> as part of a company-wide restructuring. The account has since been resolved and is no longer outstanding. I have taken full responsibility for the account and have made significant efforts to rebuild my credit profile since then. My current accounts are in good standing, and I have maintained consistent on-time payments. I previously contacted Bank of America by phone to request a goodwill review or adjustment, but I was advised that no changes could be made. I am requesting a goodwill reconsideration of the negative reporting associated with this account. While I understand the information may be accurate, I am asking Bank of America to review this matter in light of the hardship circumstances and my current positive credit behavior. I have documentation supporting the hardship, including a termination letter, and can provide it to support this request. I respectfully request that Bank of America review this account for possible adjustment or removal of the negative reporting as a gesture of goodwill.

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 2026-04-16 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Complaint against : Comenity Bank ( Carters Credit Account ) Hi Sir, I am filing a complaint regarding unresolved billing issues on a Carters credit account managed by Comenity Bank. The Carters store where I opened this account ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) is permanently closed. I did not receive the cardproduct or service associated with the charges, and I previously attempted to cancel. Despite contacting Comenity Bank, the issue has not been resolved, and I continue to be billed after XXXXmonths. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: AL

Complaint narrative:
For starters, I was never given a loan, so I do not understand what I was making payments toward in the first place. Despite not receiving any loan funds, I still made payments and eventually paid the balance in full because I wanted to handle the matter responsibly and avoid any further issues. However, even after the account was paid off, it continued to remain on my credit report. Not only was it still being reported, but it also caused my XXXX XXXX to drop by XXXX points. This has negatively affected my credit and has created unnecessary stress and financial hardship for me. I need this matter investigated and corrected immediately. Since I never received a loan, I should not have been charged or required to make payments at all. I am requesting that this account be removed or updated correctly on my credit report so that my score can be restored. In addition, I want a full refund of all the money I paid to be deposited back into my bank account as soon as possible. I would appreciate a prompt response and confirmation that this issue is being resolved.

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 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NM

Complaint narrative:
I am being contacted by Aldous & Associates, a debt collector, regarding an alleged debt of {$220.00} originally owed to XXXX XXXX XXXX ( Account # XXXX ). I have been subjected to repeated and harassing phone calls pressuring me to pay this debt. On XX/XX/year>, I received an email titled " FINAL NOTICE '' using intimidating language and pressure tactics to coerce immediate payment. On XX/XX/year>, I received a text message from ( XXXX ) XXXX directing me to a payment link. The collector has failed to provide me with a proper validation notice that complies with the requirements of the FDCPA ( 15 U.S.C. 1692g ) and Regulation F ( 12 CFR 1006.34 ), including a required itemized breakdown of the debt, the itemization date, and the mandated dispute forms. Despite not having provided proper validation, the collector continues to aggressively pursue collection through multiple channels. I have not been given a clear opportunity to dispute the debt as required by law. The repeated phone calls, intimidating " FINAL NOTICE '' email, and text messages constitute harassment under 15 U.S.C. 1692d. I am requesting full validation of this debt and demand that all collection activity cease until proper validation is provided. If the collector can not fully validate this debt, I request that the account be removed from my credit report and all collection efforts permanently stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
Between XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, I sent a total of {$4200.00} via XXXX in five transactions to XXXX XXXX for lodging accommodations advertised under XXXX XXXX XXXX XXXX XXXX. The payment was made for travel services scheduled for a group trip. Less than three weeks prior to departure, the recipient cancelled the trip and did not provide the agreed-upon services or issue any refund. I contacted my bank to dispute the transactions as fraud/misrepresentation due to non-delivery of services. I provided supporting documentation, including traveler statements and proof of payment, and an official police report confirming an active investigation. The bank denied my claim, stating that the transactions were authorized under XXXX terms and conditions without doing a thorough investigation. However, the transactions were obtained under false pretenses and were not properly investigated as fraud. I am requesting a thorough review of this matter as a fraudulent misrepresentation case and reconsideration of the denial.

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 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I'am filing this complaint against Midland Credit Management ( MCM ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Harassment and Aggressive Communication : MCM representatives have contacted me repeatedly by phone. During these calls, they have used aggressive and condescending language. Despite my verbal requests for them to stop calling me, the harassment has continued. Failure to Validate Debt : I sent a formal written request for debt validation to MCM via [ Certified Mail/Email ] on [ Insert Date ]. Under 15 U.S.C. 1692g, a collector must provide proof of the debt and cease collection until they do so. MCM has failed to respond to my request or provide any documentation verifying the original creditor, the amount owed, or their legal right to collect it. Illegal Continued Collection : Despite my pending dispute and their failure to validate the debt, MCM has continued their collection efforts, which is a direct violation of federal law. Credit Reporting Violations : MCM is reporting this unverified debt to the credit bureaus. They have refused to remove the entry despite my formal disputes with them and the bureaus. Reporting information they know to be inaccurate or unverified violates the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Violation of Fair Credit Billing Act ( FCBA ) - Failure to Investigate Unauthorized Charge Merchant : XXXX XXXX Creditor : Capital One Disputed Amount : {$56.00} Statement of Facts : On XX/XX/year>, I made an in-person purchase at a local XXXX XXXX store for a {$42.00} prepaid plan and insurance. The merchant charged my Capital One XXXX XXXX card {$98.00}. The staff refused to provide a physical receipt, claiming their printer was down, and promised a digital receipt via text. Upon receiving the digital receipt link, I discovered the XXXX system only acknowledged a payment of {$42.00}. There is a discrepancy of {$56.00} that was charged to my credit card but never credited to my merchant account. I have made multiple attempts to get an itemized breakdown from the merchant, which they have failed to provide. I filed a timely dispute with Capital One on XX/XX/XXXX. On XX/XX/year>, Capital One closed the case in favor of the merchant without contacting me for further evidence or conducting a meaningful investigation. XXXX. Procedural Failure : On XX/XX/XXXX, Capital One XXXX ( XXXX and XXXX XXXX XXXX who I contacted over phone gave conflicting reasons for the closure, claiming a missing Case Information Form and a missing valid receipt. XXXX. Circular Logic : Capital One is requiring me to provide the very receipt that the merchant withheld, which is the basis of my dispute. Under the FCBA, the creditor must conduct a reasonable investigation before determining a billing error did not occur. XXXX. Burden of Proof : Since the merchant has failed to provide an itemized receipt and my account only shows a {$42.00} credit, the remaining {$56.00} is an unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Description of Incident : I am filing this complaint due to the unreasonable withholding of a {$1800.00} overpayment by Hyundai Motor Finance following the payoff of my vehicle lease. Despite the loan being settled over XXXX months ago, Hyundai has failed to return my funds, causing me direct financial harm through accrued interest on my current auto loan. Chronology of Events : XX/XX/year> : Vehicle lease payoff was finalized and settled. XX/XX/year> : Hyundai confirmed receipt of the payoff funds. XX/XX/year> : Hyundai issued a refund check ( # XXXX ), but sent it to an incorrect address. XX/XX/year> : Hyundai was notified of the error. A formal request to stop and reissue the check was submitted ( Case # XXXX ). XX/XX/year> : XXXX XXXX XXXX XXXX XXXX ) spoke with my representative at XXXX and promised to prioritize the reissue " by tomorrow. '' No action was taken. XX/XX/year> : After further escalation via email, XXXX XXXX personally called me, apologized for the delay, and explicitly promised the check would be sent via overnight mail by XXXX XXXX XXXX ( XXXX ). Current Status : As of XX/XX/year>, it has been XXXX days since Hyundai received my payoff. Despite multiple follow-up attempts by both myself and my representative at XXXX via phone and email, Hyundai has ceased all communication and has failed to provide a tracking number or confirmation of the reissue. Financial Harm : Because this {$1800.00} overpayment was wrapped into my new vehicle financing, I am currently paying interest on these withheld funds. Every day of Hyundais administrative negligence results in additional interest charges that I am forced to pay.

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 2026-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LoanCare, LLC
State: CO

Complaint narrative:
Loancare took over my mortgage in XX/XX/year>. The reassignment of deed is filed in the wrong county ( XXXX XXXX, should be XXXX ) and they never released the lien in XX/XX/year> when we paid the loan in full with a refinance. I am currently about to close on a heloc and the loan cares lien still exists on my home making it impossible to close.

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 2026-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: VA

Complaint narrative:
I received a written notice from XXXX XXXX saying I owed {$130.00} for services to a XXXX company on a date I did not receive service. This is the second notice our household has received. The first was to my XXXX from the same XXXX XXXX but on different letterhead saying the same thing for her. She called the XXXX company to verify she did not receive services on the date they alleged. Both letters stated that a lesser amount could be paid to resolve the account. The amount for me was {$82.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 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: Block, Inc.
State: MI

Complaint narrative:
I opened up a business account using cashapp and payments have been made to my business account but cashapp wont allow me to access my payments. Ive reached out to them and the representative told me it was nothing they can do about it.

Company response to consumer: Closed with explanation