vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: B9, Inc.
State: MN

Complaint narrative:
I forgot that I opened this account in XXXX, and went through a whole process trying to find where my money went. On XX/XX/year>, I tried to withdraw or transfer all of the money, upon realizing that I had 25 % of all of my paychecks going there. I have been trying since that day to remove all of the funds and close the account. I was able to connect my XXXX account and withdraw {$170.00}. I had to wait until B9 approved the remainder of my attempted withdrawals, I woke up this morning XX/XX/year> to my XXXX account being in the negative due to bills processing and B9 rejecting my transfers. I have a message chain in my personal email detailing everything that I have tried. I can not finish setting up my account on B9 due to my license now being expired and not considered a valid ID. My B9 account now says that I have 6 hours to solve the problem or they are locking my account. Customer service keeps adding more tasks that I have to do in order for them to finally release the funds in 5-7 business days. I have sent them an ACH form filled out, a selfie of me with my expired ID, and now a selfie of me holding a piece of paper with the date and time on it. I believe they are deliberately not allowing me to withdraw my money because I will be closing my account afterwards. I am unsure what will happen with my money if I can't get their seemingly endless random tasks done and have my money transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA has restricted my account for a 60-day investigation but is still accepting deposits. I have zero access to my money. I am facing immediate eviction and vehicle repossession because of this hold. I was told that they hold the right to no longer do business with my account and that is fine, but my account was restricted on the XXXX I believe and I changed my direct deposit from the VA to go to my new XXXX XXXX XXXX deposit account and because I was not given enough time with the VA to change my direct deposit in time, my funds still dispersed to my restricted USAA account leaving me without a way since the XXXX and now for the first of the month to pay my rent or pay my title loan on my vehicle, so my vehicle is at risk of being towed, and when I called and asked for things to be escalated in the account or simply be closed effective immediately I was told I have to wait the 60 day period and that it may not take up to that long, but there is not a definitive answer on when I would have access to my funds. This has left me in a extremely hard financial hardship and I am scrambling last minute to find places that will offer rental assistance, without luck mind you. I have no way to get to and from work without being able to put money in my gas tank or pay for an XXXX to and From Work, which has left me on the brink of losing my job and this has left me in a extremely hard, emotional and mental state where I have considered XXXX due to the financial stress and not being able to have funds to eat or do anything. I am escalating this matter because I simply am trying to get access to my funds or a partial release of funds so I at least am able to make it until the next time that I am paid and so I am able to pay my rent without facing an eviction notice and having to go to court or sell the items in my home in order to make it on a day-to-day basis.

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received 2 text messages from a Truist Fraud Specialist from Truist Bank that my account was getting ready to do a wire Transfer that couldn't be stopped. This person 's name was XXXX contact number is XXXX. His statement was for me to withdraw {$7800.00} from my account and go outside to ATM and deposit into my New Truist Account with new account info. witch I did. ( VISA card XXXX XXXX XXXX XXXX XXXX XXXX Message read TRUIST BANK ALERTS : Did you access our mobile app from a XXXX XXXX XXXX XXXX on XX/XX/year>, my reply was NO....... First thing Friday morning XX/XX/year> I was at Truist Branch that I deal with. Bank Manager did a report, Fraud Claim. My Claim has been in Denial 2 times. The morning of XX/XX/year> the Branch Manager called the above number and a person answer to phone and then hung up. I need this looked into due to a Scam & Truist will not help me. This was my new Truist Account Number Given to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
They keep harrasing me and harrasing I want to stop the calls or i will sued them i am a disable person on social security disability

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
My student loan processor, Mohela, has inaccurate and missing payment history for years. Thousands of dollars of payments are missing or inaccurate. I have attempted to contact them on numerous occasions and have either been put on hold for hours, or the call was disconnected by Mohela. My balance is inaccurate and I have made over {$53000.00} worth of payments over 20 years yet my balance went from : Aggregate Combined Total ( XXXX and XXXX ) : {$65000.00} to {$78000.00} as of today. My loan servicers have changed multiple times since XXXX, and all attempts to reach the company to resolve this issue have gone unanswered.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX XXXX XXXX XXXX Re : Request for XXXX XXXX XXXX, Loan Discharge, and Credit Reporting Investigation To Whom It May Concern, I am writing to formally request a review of my federal student loan account connected to XXXX XXXX XXXX XXXX which I attended between XXXX and XXXX. My original federal student loan balance was approximately {$3100.00}. The loan has since increased to approximately {$9200.00} due to interest and penalties. My loan was originally serviced by XXXX XXXX XXXX and is currently serviced by Aidvantage under the XXXX Department of Education. I am requesting relief under XXXX XXXX regulations and requesting an investigation into the continued reporting of this debt on my credit report. I withdrew from XXXX XXXX XXXX XXXX XXXX because I experienced misleading and concerning conduct from the institution. After initially taking out a student loan, I was pressured to take out an additional loan for a following semester that was significantly higher than the original amount. When I requested information regarding my accumulated credits and transcripts, the school repeatedly failed to respond to my emails and phone calls. On multiple occasions, I was told someone would contact me back, but no assistance was ever provided. Despite attending the school and accumulating credits, I was never able to obtain official transcripts or documentation of my coursework. Because of this, I was unable to transfer credits or benefit from the education for which the loans were issued. XXXX XXXX XXXX permanently closed in XX/XX/XXXX and is no longer operating, making it impossible for me to now obtain records directly from the institution. I believe I was financially harmed by the school misleading practices and failure to provide educational records and proper support. The continued reporting of this debt has severely affected my credit and financial standing for many years. I respectfully request the following : Original documentation of my student loans documentations of my transcript also credit that I earned during my time at XXXX XXXX XXXX A full review of my account for XXXX XXXX eligibility and any additional federal discharge relief programs. Investigation into the validity and continued reporting of this debt. Removal or correction of inaccurate negative credit reporting associated with these loans if relief is granted. Written confirmation of the status of my review and investigation. I appreciate your time and consideration in reviewing my case. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
My vehicle was repossessed on or about XX/XX/XXXX of XXXX by TD AUTO FINANCE. At the time the vehicle was taken, all of my personal belongings were still inside the vehicle, including ANY AND ALL CAR ITEMS, BUSINESS CARDS, BUSINESS INVENTORY, SHOES, AND CLOTHES I was not given a proper opportunity to retrieve my belongings before the vehicle was allegedly sent to auction/sold. I also did not receive proper written notice regarding the auction or sale of the vehicle, my redemption rights, or any post-sale balance information. I am requesting : * proof of all notices allegedly mailed to me, * copies of repossession and auction records, * return of my personal property or compensation for missing items, * and verification that the repossession and sale were conducted legally. * proof of ownership I believe my consumer rights may have been violated regarding repossession procedures, notice requirements, and handling of personal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I was a victim of identity theft and i told them the debt does not belong to me it a company called ( JEFFERSON CAPITAL SYSTEM LLC ) im not sure what company it was before but around XXXX I was involved in XXXX case and my social security number was stolen and my id

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Net Pay Advance, Inc.
State: WI

Complaint narrative:
on XX/XX/year> it was an agreement between both parties that with in XXXX hours of the agreement XXXX XXXX will be able to receive the funds. NetPayAdvance sunt the funds to the wrongs account or the account number was wrong, ( information came from NetPayAdvance ). the amount was for XXXX, as of today the XXXX, and the extend due date was issue to XX/XX/year>,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I am filing a formal complaint regarding the mishandling of my student loan payment instructions by MOHELA. On XX/XX/year>, I made a lump sum payment to my student loan account serviced by MOHELA. After this payment, MOHELA sent me a Payment Direction Form, which I promptly completed and returned. In that form, I clearly instructed MOHELA to : Apply the lump sum payment across all of my loans ; and Apply the payment toward future installments. Despite these explicit instructions, MOHELA failed to follow them. Instead, the payment was applied to only XXXX of my loans, and it was not applied toward future payments as directed. Since XX/XX/year>, I have made multiple good-faith efforts to resolve this issue, including : Faxing the completed Payment Direction Form multiple times ; and Uploading the form through my MOHELA online account. To date, MOHELA has failed to properly process, implement, or acknowledge my instructions. This issue is time-sensitive and has significant financial consequences. I may be eligible to buy back months of forbearance and reach an earlier loan forgiveness date. MOHELAs failure to correctly apply my payment may delay my eligibility for forgiveness and could result in additional unnecessary payments.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a medical debt placed into collections for an urgent care visit under my name. Prior to the account being sent to collections, I contacted the providers billing department to explain my financial hardship and requested an affordable payment arrangement. During that time, I made a good-faith payment of {$20.00} toward the balance and clearly communicated that I could only afford approximately {$20.00} per month. During a phone conversation with the provider, I was informed that if the account were transferred to collections, it might be possible to negotiate a lower monthly payment arrangement. Based on this information, I understood that a {$20.00} per month plan could be considered at that stage. I believe this communication can be verified through recorded calls. However, after the account was transferred to the collection agency, I was told the minimum monthly payment required was approximately {$61.00} per month, which is not affordable for me. My request for a {$20.00} per month payment plan was refused. I am not refusing to pay the debt. I am requesting a reasonable and affordable repayment arrangement consistent with my financial situation and prior good-faith payment history. I also filed a separate complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the quality of care received during the visit, as I was XXXX with minimal treatment despite later being diagnosed with XXXX by another physician. This resulted in delayed appropriate treatment, additional medical expenses, and increased stress. This information is included for context only and relates to the overall circumstances surrounding this debt. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied for a Citibank credit card on [ XX/XX/XXXX ] and was denied, this is a violation of the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, and the Consumer Credit Protection Act by denying me credit, based on misleading information, this is discrimination. The reason for the denial states, too many inquiries. When i applied for the citi card on ( XX/XX/XXXX ), i also applied for a XXXX XXXX XXXX card ( XX/XX/XXXX ) and got approved instantly, I believe having these 2 recent inquiries to be a invalid reason to deny me credit, when i was approved by 1 of the 2 inquiries. I requested all the factors that went into the decision for my denial, but their reason is vague and misleading, they claim their decision is based in part or in whole based on XXXX, and they also contradict themself by also stating XXXX had no part in their decision and will not be able to provide specific reasons why they denied me, this is deceptive and unfair to me, and is causing me issues, there is no valid reason for the denial, as i only have these 2 recent inquiries since this year.

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XX/XX/year>, my XXXX Department XXXX XXXX XXXX XXXX in the amount of {$540.00} was sent to an incorrect account due to a XXXX XXXX banking information data-entry error. I immediately contacted Navy Federal Credit Union after discovering the issue. I provided Navy Federal with : * the ACH trace/tracking number provided by the XXXX Department XXXX XXXX XXXX XXXX a signed preparer error letter explaining the mistake, * the incorrect account information entered, * the original intended account information, * and updated active account information. Navy Federal advised me that they required a Letter of Indemnity ( LOI ) from the originating institution before they could proceed further. I then contacted the XXXX Department of Revenue and spoke with XXXX XXXX, who advised that their office does not issue Letters of XXXX and that they only provide ACH trace/tracking numbers for these matters. I then contacted the XXXX Department of Revenue and spoke with XXXX XXXX, who confirmed that their office does not issue Letters of Indemnity and only provides XXXX trace/tracking numbers for these matters. I relayed this information back to Navy Federal and requested alternative procedures or escalation assistance for recovery or investigation of the funds. Despite providing all documentation available to me, I have not been provided with a workable recovery process or clear resolution path and have been directed back and forth between agencies. I am requesting assistance in determining whether Navy Federal properly handled my request for XXXX deposit investigation/recovery and whether additional recovery procedures should have been made available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I had an unauthorized transaction from " referencing - XXXX XXXX XXXX XX/XX/XXXX {$610.00} ''. I do not have any contract or agreement with this entity. I went down there and asked for financial statement and they would not provide me with XXXX. I have disputed with my bank- Bank of America- as well and they will not do their due diligence on researching my account.

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 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/year> I received a text message from a company called XXXX XXXX. In the text message they sent they only said this and a link to their website. Hi! Welcome to XXXX, we're here to help with your Affirm US account. We are a debt collector. According to the FDCPA they failed to provide a way for me to dispute the debt through their website and they have failed to provide a validation letter which is required 5 days after the initial communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have Discover credit card and use bank account ending in XXXX to make my auto payment. I have a credit balance and when I request a refund, they told me it will go back to my bank account ending in XXXX. That is very old bank account I no longer use. They couldn't remove XXXX from my profile and advised me to try removing it on my end. I have checked many times on discover app as well as desktop and it is not listed. The only bank account that is listed is the XXXX ending in XXXX. I would like Discover XXXX team to remove XXXX bank account from my credit card profile and replace it with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One was not authorized to use my personal information on my checking account and sign a notarized statement concerning my checking account for the credit company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
I am disputing this debt for the following reasons : This is not my debt. I have no contractual obligation to the original creditor, XXXX, for this account. The amount stated is incorrect. I have no record of an outstanding balance in this amount. I am requesting verification of the debt, including a copy of the original contract/agreement, proof of ownership of the debt by The CBE Group , Inc. , and an itemized breakdown of how the balance was calculated.

Company response to consumer: Closed with non-monetary relief