vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Acorns Grow Incorporated
State: NY

Complaint narrative:
I am filing this complaint regarding a delayed referral bonus from Acorns.

I participated in an Acorns referral promotion and met all required qualifications within the stated promotional period. I confirmed that my referrals completed the necessary steps, including account opening and funding requirements, and that all eligibility criteria were satisfied according to the terms advertised at the time.

After successfully meeting the qualifications, my referral bonus was not processed within the timeframe outlined in the promotion. I qualified for an additional XXXX XXXXXXXX in referral funds, but the referrals were never processed in a timely manner, despite the obligations on my end being met. 

I fulfilled my obligations under the promotion in good faith. The failure to timely process the earned referral bonus, combined with the lack of a remediation path, is concerning and appears inconsistent with the advertised terms of the promotion. I paid for access to the acorns platform and terminated my account following this incident. 

I am requesting that Acorns : Review my account and referral activity, Process the referral bonus I qualified for without further delay, and Provide a clear explanation of why the delay occurred and what corrective steps are being taken to prevent similar issues. 

I have retained documentation of the promotional terms and my communications with Acorns and can provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding payroll withholding errors and my employers refusal to provide copies of my signed XXXX forms as required by federal payroll record laws. 
During my employment at InComm Payments, the company repeatedly withheld incorrect federal income tax amounts from my paychecks. These errors resulted in under-withholding and inconsistent payroll calculations. Despite raising these concerns directly with HR and payroll, the company failed to correct the withholding issues or provide an explanation for the discrepancies. 
In addition, I formally requested copies of all XXXX forms I signed during my employment so that I could verify my filing status and claimed allowances. My employer has refused to provide these records, stating they are unable or unwilling to release them. This has prevented me from resolving tax issues created by the payroll errors and violates federal record-retention requirements, which mandate that employers retain and produce executed XXXX forms upon employee request. 
The withholding discrepancies, combined with the refusal to provide the supporting tax documents, have caused financial harm, IRS reporting concerns, and an inability to verify the accuracy of my tax filings. I am requesting the CFPBs assistance in obtaining the XXXX records and ensuring that the employer corrects all withholding errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the alleged debt you claim I owe regarding my gym membership. 

My membership was cancelled in writing on XX/XX/XXXX via email and letter, in accordance with the contract terms. The effectiveness of cancellation is based on the date notice is given, not when it is processed internally. Your failure to acknowledge or process the cancellation does not authorize additional charges. 

My final authorized payment covered XXXX. Any charges attempted after that date, including XXXX, were unauthorized and were properly disputed with my bank. 
You have not provided sufficient validation to establish that this debt is valid or legally owed. I request that you provide : an itemized statement of charges dates of service/billing documentation showing any charges were contractually owed after cancellation proof you are legally authorized to collect this account Until proper validation is provided, this debt is disputed in its entirety, and you must cease all collection activity and may not report this account to any credit bureau XXXX 
Attached are copies of my XX/XX/XXXX cancellation email and letter.

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: MOHELA
State: CO

Complaint narrative:
Ive been in administrative forbearance as the SAVE plan Im on has been in court. On XXXX/XXXX/26, I submitted my Income-Driven Repayment ( IDR ) Plan Request to start making qualifying payments on the Income-Based Repayment ( IBR ) Plan that would qualify towards my Public Student Loan Forgiveness progress. I received a document from MOHELA on XX/XX/XXXX26 confirming they received and to notify me it was under review ( attached ). On XX/XX/XXXX26 I recieved a notice of repayment scheduled change document from MOHELA listing my monthly payment as {$46.00} for XXXX and then {$220.00} XX/XX/XXXXXXXX and beyond ( attached ). On XX/XX/XXXX I received another document and email with my bill ( due date of XX/XX/XXXX ) for {$46.00}. That amount was also listed in the email I received. However, my MOHELA dashboard listed my upcoming payment as {$220.00}. So I called and the advanced loan assistant said the documents were system generated and incorrect and they calculated my payment based on my previous plan ( SAVE ). She said I should receive an updated document before the XXXX due date, but formally proving inaccurate payment information is misleading and could cause extra financial hardship to those who are having trouble affording making payments.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
My mortgage servicer XXXX XXXX now Rocket Mortgage, significantly overcollected escrow funds during XXXX. 

My escrow payments began in XX/XX/XXXX and were set at {$830.00} per month. At that time, my actual escrowed obligations for 2025 were : Property taxes : {$1100.00} for the year Property insurance : {$500.00} for the year FHA Mortgage Insurance Premium ( MIP ) : {$210.00} per month Despite these known amounts, the servicer continued collecting {$830.00} per month in escrow from XXXX through XXXX XXXX totaling approximately {$8300.00}. 

In XXXX, the servicer issued an escrow refund of {$5400.00} due to overcollection. The size of this refund shows that the escrow account had accumulated far more than was necessary to cover escrowed obligations plus the allowable cushion. This overcollection should have been identified and corrected earlier by recalculating escrow and reducing the monthly escrow payment, instead of allowing a large surplus to build. 

Although my property taxes increased in 2026 to {$4100.00} annually, this increase does not explain or justify the excessive escrow amounts collected during 2025. Escrow calculations are required to be based on known or reasonably estimated obligations at the time the payments are collected. The refund issuedin XXXX confirms that this did not occur during 2025. 

I am concerned that my escrow account was not administered correctly in 2025 and want confirmation that my current escrow payment is now properly calculated and that safeguards are in place to prevent similar overcollection in the future. Also, I was told to pay property taxes myself when I have an Escrow account, and I did. I paid {$4100.00} in property taxes for the year 2026. Now my escrow is not being adjusted to reflect that. I have called many times, and the first time I called was on XX/XX/XXXX to report this. There still hasn't been any resolution, and my escrow has gone into negative because of incorrect escrow analysis not reflecting property taxes already paid for the year 2026, which have already paid. This has created a lot of confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: DISCOVER BANK
State: CA

Complaint narrative:
TO WHOM WHO WILL BE CONCERN I used my discover credit card for a transaction of {$2.00} online on XXXX, after that, There were several suspicious transactions with big amount within a short period of XXXX mins on XXXX, it is unusual for such a large amount of transactions to occur within such a short period of time. Credit card company didn't detect that transaction was fraudulently and still let the transaction go through. I have already reported to the credit card company three time and more. and just get a same answer not found any fraud. because you're approved a transaction of {$2.00} so the anther transaction is not finding any fraud. they never prove any copy of documentation the merchant provided to prove the charge was valid. Credit card company didn't do any investigation and never protect the right for the card holder. They wrongly attribute the problems to us. They simply resolved the issue in a perfunctory manner. they made a hasty judgment, saying that since you approve of {$2.00}. all the expenses should be borne by you. No matter how we report it only one transaction of {$2.00} belongs to us. and other big transaction was all fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: CA

Complaint narrative:
On the XXXX of XXXX Mohela received my application for a new payment plan since the XXXX plan is no longer allowed. I have not been given a new payment plan and am being told by Mohela that they can't expedite my application. I have made a total of XXXX payments in the amount of {$6100.00} but have not received credit but for XXXX of the payments. The other XXXX payments are being sent to the Treasury for refund. I have a total of XXXX payments while I have been in forbearance which I did not asked to be placed. I can not retire from my non profit job until all XXXX payments for the public service loan forgiveness has been taken care of. I have made XXXX payments thus far minus the XXXX payments that I was not given credit for.

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: 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: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
This is a follow-up and new complaint related to CFPB case XXXX involving the same debt collector ( Aldous & Associates ) and the same alleged XXXX debt. 

New issue : Aldous reported a collection to XXXX without contacting me at all this time. I received no call, letter, or emailthe first notice was a XXXX XXXX and the tradeline showing ALDOUS AND ASSOCIATES, original creditor XXXX XXXXXXXX XXXX balance {$180.00}, Date Reported : XX/XX/year>, status Derogatory. 

CFPB guidance/Regulation F requires a debt collector to contact the consumer ( or mail/email and wait a reasonable time, generally 14 days ) before furnishing a debt to a credit reporting company. I received no such communication before this reporting.

Requested resolution : ( 1 ) delete/withdraw the TransUnion tradeline unless Aldous can provide proof of compliant pre-reporting contact and accurate documentation, ( 2 ) provide complete written validation/itemization and proof of authority to collect, and ( 3 ) stop furnishing/reporting unless and until the dispute is resolved ( and ensure any continued furnishing is clearly marked disputed ).

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 — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I took out a {$4500.00} title loan from Wilshire Consumer Credit XX/XX/year>. What I assumed was an Ohio company because that's where the lady came from to take possession of my car title. The interest rate is 97.78 % interest rate. A 99 % interest rate is far above XXXX legal lending limits. Under XXXX XXXX XXXX XXXX, licensed lenders are capped at around 25 % annual interest, not triple-digit APR. Even if they claim Ohio law applies, Ive been paying and residing in Michigan. Also Michigan law prohibits car title loans where the lender takes physical possession of your title. That means if this company took my title inside Michigan, they were conducting an illegal lending practice in Michigan. I've paid for the full term of the loan, somewhere around {$19000.00} on a {$4500.00} loan and now this company is trying to make me pay {$4700.00} now that the term is over. I should be done with them and have my title back! Because I reside in MI, this is an illegal contract and I want my title back in my name and to be done with XXXX. What's fair is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates has been calling me multiple times a day even after requesting that they stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
in XXXX I switched from XXXX XXXX  to XXXX so in XXXX i no longer needed the Verizon credit card thru Synchrony bank. i made several attempts to pay off the remaining balance online but when the bank finally took out the payment they added late fees and interest. they are continually adding these fees now every month. i called them and got no help.

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 2026-02-12 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
My bank sent me a fraud alert and that they were putting a hold on the activity for 7 days, on XX/XX/XXXX and not to release until XX/XX/XXXX, however they allowed the transaction on XX/XX/XXXX, now they are making me pay back the XXXX $ that they were supposed to prevent from happening. All My accounts are locked and I cant touch any money.

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 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Credit card bill from Comenity Bank received XX/XX/year>. On same day, I made arrangements with my bank to pay statement balance of {$1400.00}. Found out on XX/XX/year> that they had to mail a check rather than pay electronically. 

XXXX was due XX/XX/year>. Check was cashed XX/XX/year>. Since XX/XX/year>, I have checked multiple times with Comenity Bank online. Payment had not been registered to my account still as of XX/XX/year>. Called and spoke to a male. He was rude and somewhat threatened me. He said something like " Well, your payment better get here! '' Called my bank morning of XX/XX/year>. They promptly sent me a copy ( front & back ) of cancelled check. Very clear and easy to read. Then I called Comenity Bank again. Reached a very untrained woman. She told me the amount would be disputed. She could not find evidence of payment, and also gave me address to mail a copy of cancelled check. She DID NOT mention a XXXX XXXX XXXX on their website & told me to use the XXXX ( snail mail ) to send them a copy. 

Later on XX/XX/year>, I discovered that there was a " XXXX XXXX XXXX '' available on their website. I attached copy of cancelled check and said I was disputing the missing payment of {$1400.00} that was cashed on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OR

Complaint narrative:
I woke up my account was closed I have remaking funds on there that I need I have children and thats all I have left I have no idea why my account was closed I dont do nothing on there but put money on there whenever I receive money for my children I called chime and they told me I was not able to get my chime account reopened and that I wont get my chime funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Receivables Management Partners, LLC
State: ID

Complaint narrative:
I received phone calls prior to XX/XX/XXXX about a debt Receivables Management partners LLC said I owed them. I sent a certified letter requesting debt validation and disputed the charge. The company has failed to provide what I requested and continues to call and harass me. I have proof of the certified letter being sent to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
VANCEHUFFMAN is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCEHUFFMAN 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 explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
i was on XXXX XXXX  and i saw that i can report to you using this method for violations of my credit report. i was talking to someone over the phone and we agreed to repair the late information since i paid {$3200.00} and was clearly informed that due to paying what was due, i would have a good will for my late payments. i am a victim of XXXX  XXXX and i expressed m situation and status with the company who then sympathized with me. i have now seen the new balance reporting however, i till see the late payments reporting this is a huge violation of their agreement with me which as on a recorded line. please help me with mb financial services as they are telling me one thing and then not completing with what we both agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I opened my Capital One credit card account on XX/XX/year>. On XX/XX/year>, the bank decided to close my account, a decision I respect. On XX/XX/year>, I was charged an annual card fee of {$39.00}, which I requested a prorated refund of since my account was closed less than a month after opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: FL

Complaint narrative:
" On XX/XX/XXXX, I paid off the full balance of my credit card, leaving it at {$0.00}. This was also my statement closing date. Despite this, the institution charged me interest three days after the account was paid in full. They have failed to provide the documentation I requested explaining why interest is being charged on a {$0.00} balance. I would like an explanation of how this is possible. ''

Company response to consumer: Closed with monetary relief