vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Solar Mosaic LLC
State: UT

Complaint narrative:
My credit union requested a subordination agreement between them and Solar Servicing LLC in or around XX/XX/year>. No response recieved. 

I requested the subordintation agreement via a phone call on XX/XX/year>. No response. 

I reqeusted the agreement on XX/XX/XXXX, XXXX with no response. 

On XX/XX/XXXX a repsonse was recived after an additional attempt, stating that : We understand you are interested in having a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX financing statement removed from title to allow for a refinancing or HELOC. While Solar Servicings security interest is in the solar equipment only and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not constitute a lien on real property, we understand the financing statement may reflect as an encumbrance. Here are XXXX options for clearing title for your transaction : Permanent termination of lien at loan payoff. When provided documentation that the loan will be paid in full at the time of refinance, Solar Servicing 's lien may be permanently removed without fee. 

Subordination. 

On XX/XX/XXXX a request was made to get the Subordination agreement completed, without response. 

XX/XX/XXXX another attempt was made without response. 

XX/XX/XXXX and XXXX requests were made again without response. 

XX/XX/XXXX another attempt was made without any response. 

This is precluding me from getting the HELOC and doing renovations on my home for both personal and business purposes. This delay is costing me time and money and without any reason. On the Solar Servicing LLCXXXX XXXX XXXX states that responses can take up to XXXX XXXX. We are now at XXXX XXXX and counting...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am filing this complaint against BMW Financial Services for furnishing inaccurate and/or incomplete late payment information to consumer reporting agencies and failing to conduct a reasonable investigation after receiving notice of my dispute. 

My auto loan account ( ending in XXXX ) reflects multiple 30-day late payment notations in XXXX and XXXX, despite inconsistencies within the reporting history and incomplete delinquency data. The reporting includes irregular payment coding and missing or incomplete XXXX XXXX fields, including the Date of First Delinquency. 
After disputing the reporting, the account continued to reflect the alleged late payments without BMW Financial Services providing documented proof substantiating the delinquency. 
Account Information : Creditor : BMW Financial Services Account Type : Installment Auto Loan Partial Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$15000.00} Scheduled Monthly Payment : {$250.00} Alleged Derogatory Reporting : 30-day late payments in XXXX and XXXX Legal Basis of Complaint Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. 
Under FCRA 623 ( b ) ( 1 ), once a furnisher receives notice of a dispute from a credit reporting agency, it must : Conduct a reasonable investigation.

Review all relevant information.

Report accurate results.

Correct or delete inaccurate or unverifiable information.

The investigation must be meaningful and supported by documentation
.

Relevant case law includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Furnishers must conduct a reasonable investigation and correct inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Furnishers may be liable for knowingly reporting misleading or inaccurate data. 
XXXX XXXX XXXX XXXX XXXX XXXX : Verification requires actual documentation, not internal database confirmation.

BMW Financial Services has not provided : The full payment ledger for the alleged late months Billing statements reflecting due dates Documentation showing payments were 30 days past due The XXXX XXXX Payment Rating and Status Codes transmitted The Date of First Delinquency data Additionally, the reporting appears inconsistent and incomplete under FCRA 602, which requires credit reporting to be fair and accurate.

Nature of the Violation BMW Financial Services appears to have : Continued furnishing disputed late payment information Failed to provide documentation substantiating delinquency Potentially relied on automated verification methods Failed to ensure XXXX XXXX reporting compliance Furnished data that may be incomplete or misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
Description of Incident : I am requesting a full discharge of my three student loans due to deceptive and predatory servicing practices by EdFinancial.

For several years, I was enrolled in EdFinancials automatic payment system. I was led to believe this was a good-faith method to satisfy my debt. However, EdFinancial structured these automated payments to cover interest only, allocating {$0.00} to the principal balance for every single payment made.

By luring me into an automated system that resulted in zero principal reduction without clear disclosure, EdFinancial has engaged in unfair and deceptive acts that effectively created a " debt trap. '' This practice of forced negative amortization has caused me significant financial harm by keeping me in a cycle of perpetual interest payments while my total balance remains unchanged.

Because EdFinancial failed in its duty to provide transparent repayment options and instead chose to maximize interest collection through deceptive automation, I am requesting that these loans be discharged in full.

Desired Resolution : Full discharge of all three loans associated with account username XXXX, a correction of my payment history to reflect principal reduction, and a formal investigation into EdFinancial 's automated payment allocation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Cease and Desist Communication Request Pursuant to the Fair Debt Collection Practices Act ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca, XXXX XX/XX/year> To : XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : ( XXXX ) XXXX Re : Cease and Desist Notice Pursuant to XXXX Account Number : XXXX Original Creditor : XXXX CommunicationsLLC Balance : {$710.00} To Whom It XXXX Concern, This letter serves as my formal notice under the Fair Debt Collection Practices Act ( FDCPA ), XXXX ( c ), that I am requesting your agency cease all communication with me regarding the abovereferenced account. 

Under the FDCPA, once such a request is made, your office and its agents are prohibited from contacting me except for the following limited purposes : To advise me that your collection efforts are being terminated ; or To inform me that you intend to pursue specific legal remedies allowed by law. 
Any additional contact beyond these XXXX exceptionsincluding by phone, mail, email, or through third partieswill be considered harassment and a violation of federal law. If further contact occurs after receipt of this notice, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Attorney Generals Office in my state Additionally, I dispute the validity of this alleged debt. Therefore, if you intend to take any further action regarding this account, you must provide complete validation of the debt, including documentation from the original creditor that verifies the amount owed, the date it was incurred, and your agencys legal right to collect it. 

Please update your records immediately to reflect this request. 

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 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am unable to open a new checking or savings account at multiple banks. In the past, my accounts with Navy Federal and XXXXXXXX XXXX were closed, even though I did not commit any fraud. I believe these closures may have caused me to be listed in the XXXX XXXX XXXX  which is now preventing me from opening new accounts.

I am requesting documentation of this situation and assistance to ensure that my record accurately reflects that I have not committed any fraud, and that I am allowed to open a new bank account. This is important so I can manage my finances responsibly and have access to essential banking services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SoLo Funds Inc.
State: MI

Complaint narrative:
I took out a peer-to-peer loan using the site XXXX. The original loan was for {$120.00} with tip to lender and XXXX the total was {$150.00}. The money was debited from my bank account along with XXXX additional unauthorized debits for that same amount totaling {$920.00}. This caused both my bank accounts to be overdrawn. I have contacted support to get my money returned, but have not had much help from this company. They keep saying " a ticket has been created and it has been escalated ''. This does not help as I have bills due today and no way to pay them. All communication is done using a chat box or e-mail. It is impossible to talk with a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Dear Aidvantage Customer Service, I hope this message finds you well. I am writing regarding my student loan account and would appreciate your assistance. 

My full name is XXXX XXXX XXXX ], and the last XXXX digits of my Social Security Number are [ XXXX. My date of birth is XX/XX/year>. 

I recently [ describe the issue briefly e.g., completed my Master Promissory Note ( MPN ) / attempted to sign my loan documents/ noticed an issue with my account/ have a question about my loan status ], and I would like confirmation that everything has been properly received and processed. 

If any additional documentation or action is required from me, please let me know as soon as possible. I would appreciate any clarification you can provide regarding the next steps. 

Thank you for your time and assistance. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, Tx XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
A gentleman called me by the name of XXXX XXXX. Identified himself as an XXXX. He stated that if I did not pay {$1300.00} by XXXX PM today that I would be taken to XXXX  the next day tomorrow. He said that he would go file the warrant right away at XXXX PM and they would come pick me up at my home. He was yelling at me and when I was trying to ask him questions he was telling me that I would just go to XXXX  that would be fine with him. I was scared and I paid the money. It was my entire paycheck. I am a single mom. I didnt want to go to jail. Ive never been contacted ever before about this and it is something that he said was a class XXXX XXXX and could serve time in XXXX  for if convicted. I explained that I didnt have the money and he just kept saying well you can go to XXXX  tomorrow then. After we hung up, I called the police and they said I XXXX  have gave him the money because hes from a scam debt collector when they looked up, his number called MidlandXXXX  Credit management. And that it was actually illegal for him to tell me that he could arrest me or have me arrested. The debt is over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have been paying minimum amount for my credit card for XXXX because the minimum is all I can afford now. A few months ago I, they told me that I have to pay at least XXXX dollars per month and I XXXX  only pay minimum amount and XXXX is forcing me to pay at least XXXX a month and I cant. Now its causing my credit to go down when in reality I have been making the minimum amount on time. Now they sre trying to switch up on me stating that Unfortunately, we have not received your minimum payment for your XXXX Credit Card account. To avoid accumulating additional late fees, please submit the minimum payment of {$120.00} today. We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report.

For your convenience, you may visit our online payment center to schedule a payment to bring your account up-to-date.

You may also call us at : XXXX XXXX to make a payment or discuss your account. If you are facing financial challenges, we may be able to help. We would be happy to discuss payment They are messing with me be cause ive been paying the minimum amount the entire time not missing a payment until they told me that XXXX dollars is not enough and it has a tone at XXXX dollars and now as soon as my credit is getting affected from it done they are saying If you are facing financial challenges, we may be able to help which do want make since because the entire time I was the minimum of XXXX dollars was because I was having financial challenges. The automated system told me during the entire time that XXXX dollars was the minimum I could pay until they told me that I have XXXX XXXX least pay XXXX dollars a month as soon as they said to pay that thats when I go couldnt pay. My credit wouldnt have my effected and payments would have been on time if they would have continued to let me pay XXXX XXXX minimum XXXX dollars a month. Then as soon as XXXX behind payments you tell me We would be happy to discuss payment arrangements to fit your situation. Well that statement doesnt make since because I was trying to pay the minimum t he entire time until yall forced me to have to pay around XXXX dollars that causes my payment note to stop and now my credit this effected I feel like this a game that XXXX  playing on me to force my credit to go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
I transferred approximately {$2000.00} worth of XXXX from XXXX to my XXXX account. 

The transfer was successfully completed on the blockchain and confirmed with a transaction hash. However, the funds were not credited to my Robinhood account because the destination tag/memo was entered incorrectly. 

XXXX labels this field as a Destination Tag, while Robinhood refers to it as a XXXX, which created confusion. I mistakenly believed this field was a security-related code rather than an account-identifying requirement. 

I understand that I made an input error. However, the funds were not lost on the blockchain and were delivered to a Robinhood-controlled wallet. The issue appears to be an internal account matching matter within XXXX  system. 

Robinhood has stated that recovery is not possible due to internal policy, despite the ability to identify the transaction via transaction hash, date, and amount. 

This involves a significant amount of money for me, and I respectfully request a manual review by XXXX crypto operations or compliance team to determine whether the funds can be credited or returned. 

I am not requesting an automatic recovery, but a good-faith manual investigation given that the assets are verifiably in XXXX possession XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I XXXX XXXX bought a truck in XXXX. The truck was having a lot of problems after XXXX years. I invested XXXX dollars in the the truck. I still owed money and I volunteered the truck back to the credit company. They filed in XXXX to sue me. Now after almost XXXX  years they are trying again. 

By my understanding it is illegal for a credit company to sue or go after persons for debt after XXXX years. I would like for my credit to be cleared of this debt. 


If a debt collector is pursuing debt past the statute of limitations ( often XXXX years depending on the state ), they may be violating the Fair Debt Collection Practices Act ( FDCPA ), which is illegal. Report them immediately to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and your State Attorney General. 
Key Contacts & Actions : CFPB : Submit a complaint online at consumerfinance.gov. 
FTC : Report fraud at XXXX. 
State Attorney General : Find your state office via the XXXX XXXX XXXX XXXX XXXX. 
Send a XXXX & XXXX XXXX : Send a letter via certified mail demanding they stop contacting you, as the debt is " time-barred ''. 
Important Notes : Do not make a partial payment or promise to pay, as this can revive the statute of limitations. 
You can sue the collector in state or federal court for violating the FDCPA, potentially winning up to {$1.00}, XXXX {$1.00}, XXXX XXXX XXXX plus attorney fees. 
If they are reporting this on your credit report after XXXX  years, file a dispute with the credit bureaus ( XXXX 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 2026-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of an impersonation scam. 

I was looking for XXXX XXXX activation. 
Through XXXX, I was contacted by a person who falsely claimed to be able to activate and change my XXXX XXXX location. 

They instructed me to send money through XXXX. 
The XXXX email was : XXXX The phone number used was : XXXX After receiving the money, they blocked me and did not provide the service. 

This was not an authorized payment. 
It was induced by deception, impersonation, and fraud. 

XXXX XXXX XXXX and Chase refused to refund my money saying I authorized the payment, even though it was a scam. 

I am requesting a full investigation and reimbursement under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of an impersonation scam. 

I was looking for XXXX XXXX activation. 
Through XXXX, I was contacted by a person who falsely claimed to be able to activate and change my XXXX XXXX location. 

They instructed me to send money through XXXX. 
The XXXX email was : XXXX The phone number used was : XXXX After receiving the money, they blocked me and did not provide the service. 

This was not an authorized payment. 
It was induced by deception, impersonation, and fraud. 

Bank of America and XXXX refused to refund my money saying I authorized the payment, even though it was a scam. 

I am requesting a full investigation and reimburs

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 2026-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My Verizon Visa Credit Card earned " Verizon Rewards Dollars '' on various monthly purchases that I made. The earned " Verizon Rewards Dollars '' were to be applied to my Verizon Wireless monthly bills. In fact, this is the only way to redeem " Verizon Rewards Dollars '' since the Verizon Visa Credit Card does not allow for " Verizon Rewards Dollars '' to be credited to my Verizon Visa Credit Card Invoices. Furthermore, I was instructed that the only method to redeem said rewards is through the Verizon Visa Credit Card app. Verizon Wireless invoices show that " Verizon Rewards Dollars '' have NOT been redeemed to their account statements. Verizon Visa Credit Card has stated that the " Verizon Rewards Dollars '' were delivered to Verizon Wireless. I have attempted to resolve this matter at least ten times with both Verizon Visa Credit Card and Verizon Wireless management with each Company blaming the other for this mess, and no resolution in sight. I can send both the Verizon Visa Credit Card monthly invoices showing the earned " Verizon Rewards Dollars '', as well as the Verizon Wireless Invoices that show that earned " Verizon Rewards Dollars '' were NOT applied to said invoices. 
Please advise how to send the voluminous documents if you require same.

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 monetary relief
Consumer complaint received 2026-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This debt was for a XXXX  visit for my son was XXXX XXXX XXXX at the time and he had Health insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation