vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 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: The CBE Group, Inc.
State: NC

Complaint narrative:
CBE Group placed collection in my credit report on XX/XX/year> my score dropped XXXX points immediately Called the company and was told the acct is from XXXX and customer was XXXX XXXX Infomed them that my name is XXXX XXXX Was given number to XXXX and acct number XXXX was called. stated unable to discuss because I was not the account holder I requested that XXXX notify CBE of the error without success

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My Chase Bank account was previously closed. In XX/XX/year>, my IRS tax refund in the amount of approximately {$7600.00} was deposited into the closed account. When I contacted Chase Bank regarding the deposit, I was informed that because the account was closed, the refund would be returned to the IRS in full. I later discovered that Chase instead applied {$1700.00} from my tax refund toward an alleged overdraft or negative balance and mailed me the remaining balance of approximately {$5800.00}. After receiving a letter from Chase dated XX/XX/year>, I learned that Chase claimed the account had been overdrawn due to claim reversals. However, I do not recall receiving prior notice that I owed this balance after the account was closed, nor do I recall receiving phone calls, letters, or other communications attempting to collect the debt before funds were taken from my tax refund. I requested that Chase provide proof of any communications allegedly sent to me regarding the overdraft balance, including dates, times, letters, phone calls, or notices. Chase did not provide documentation showing that these communications occurred. I am disputing the withdrawal of funds from my IRS refund because I was initially told the refund would be returned to the IRS in full and because I was not given a fair opportunity to verify or resolve the alleged balance before the funds were removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
Mohela calculated my IDR request wrong because they don't have a clue on how income works. Previously I was paid by weekly and then I went to twice a month. So those idiots could not figure out that my paychecks could be more each payday due to pay frequency and raised my payment stating I make more money. I make the exact same amount of money I am just paid on a different frequency. Then when you try to resolve the issue their website won't let you contact them. When you upload documents they either don't receive them or identify them as something different than what you uploaded. I uploaded a recalculation form and they sent me a name change request confirmation. They are intentionally making it so you have late fees and can not resolve it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: KS

Complaint narrative:
I am filing this complaint regarding ongoing issues with my Public Service Loan Forgiveness ( PSLF ) account, including repeated PSLF buyback request issues, administrative delays, and inaccurate or missing qualifying payment counts. I currently have 117 out of 120 qualifying payments, with only 3 months remaining to reach forgiveness eligibility. I have qualifying public service employment and qualifying payments dating back to XXXX through XXXX, continuously through present employment with multiple qualifying school districts and public service employers. Despite this long history of qualifying employment, my PSLF progress has not been accurately reflected or fully credited. I have submitted multiple PSLF Buyback requests, which have not been properly reviewed or applied : 1st Request submitted XX/XX/XXXX On XX/XX/XXXX, I was informed this was not considered a request. 2nd Request submitted XX/XX/XXXX on XX/XX/XXXX, I was informed I was not eligible. 3rd Request submitted XX/XX/XXXX 4th Request submitted XX/XX/XXXX I was told I did not have the correct statement and needed to put the correct statement and re-submit. 5th Request resubmitted the same day XX/XX/XXXX at XXXX XXXX 6th Request submitted XX/XX/XXXX at XXXX XXXX Despite these submissions, my PSLF buyback eligibility and qualifying payment count have not been fully resolved or clearly updated. Due to the SAVE plan litigation and related administrative actions, my loans were placed into administrative forbearance beginning in XXXX without my request. To address ongoing issues, I submitted a new Income-Driven Repayment ( IDR ) application : Application submitted : XX/XX/XXXX Initial review completed : XX/XX/XXXX Final processing completed : XX/XX/XXXX Result : placed into an Income-Based Repayment plan Although the application was ultimately processed and confirmed valid, the delay of over one year appears to have contributed to multiple months being incorrectly marked as ineligible for PSLF credit despite continuous qualifying employment. As a result, my PSLF account reflects discrepancies in qualifying payment counts and has delayed my progress toward forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I closed on my new house with XXXX XXXX XXXX in XXXX, they asked me to send my XXXX XXXX payments, which would be for XXXX and XXXX, via check through the mail to them, which I did. The XXXX was sent on XX/XX/XXXX, and the XXXX was sent in early XXXX and deposited on XX/XX/XXXX. I reach out to XXXX around XX/XX/XXXX because I had not heard if they had received either payments, they respond saying that they have but sent them to XXXX as they were my new servicer. I was never told about this, but started getting a lot of letters in the mail from Rocket Mortgage saying that I was behind on payments. I then call Rocket Mortgage and they tell me that they are my new servicer, but I had not heard that from anyone besides Rocket Mortgage themselves. I reached out to XXXX to see who has my payments from the XXXX XXXX months as Rocket Mortgage says that I am XXXX months behind on payment. I find out on XX/XX/year> that loan care XXXX had mailed back the checks to me, the XXXX on XX/XX/year> and the XXXX on XX/XX/year>. It is XX/XX/year> and I have not received the XXXX check in the mail, meanwhile rocket says I am beyond the Grace period and my credit will start being affected because I have not made payments. It is completely unfair that I am affected when I made the payments in a timely manner, but it was the companies who messed up. Considering getting an attorney to help me as it is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: DailyPay, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I made a payment to XXXX XXXX with my DailyPay card for XXXX. The payment was deducted from my DailyPay balance. I thought the payment was successful. I made another payment for XXXX on XX/XX/XXXX to XXXX XXXX using the same card and the funds were deducted from my balance. At the end of XXXX I got a call from my agent at XXXX XXXX who advises me that my policy is about to lapse for returned payments and she states that she contacted corporate who confirmed the funds were not received. She sent me an invoice as proof that the money was not received. So I reach out to DailyPay and let them know the situation and they tell me they are going to email me a claim form that I need to fill out and return. So I print the emailed forms from my work email and fill them out and email them back on XX/XX/year>. I called back on XX/XX/year> to confirm receipt of the documents. I get transferred XXXX times to people who cant confirm that they have this email. I even provided my personal email so they XXXX that it is from me. They tell me a supervisor has to call me back. So I agree for the call back and never get a call. I keep calling back to confirm receipt and I get transferred repeatedly everytime. I felt like they were giving me the run around so I call today XX/XX/year> and they hung up on me XXXX times. I finally get through and I speak to a lady who says that they have the forms and the decision date for the claim is XX/XX/year>. So I asked why it would take so long. I sent the form and the proof all they have to do is reach out to XXXX XXXX. Then she says we'll we haven't received the forms. I am confused because she said they had them not even XXXX minutes before. So I asked her could I speak with a XXXX who can tell me they received the paperwork. She put me on hold, as they always do, and came back to the phone and told me no supervisors were available and they would schedule a callback. I asked what time it was being scheduled for and she said asap. I refused and told her I would hold until XXXX became available. She said I couldn't hold. They received the forms and I would have to wait until XXXX to hear back. They also are not putting the full amount that they have access to people 's cards. They are depositing much less than they claim to take out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XX/XX/year> Tried to pay medical bill with my HSA debit card several times, kept declining. Called HSA Bank and found out someone had hacked into my account and tried to steal {$4000.00} from my account so my account was put on hold. No one sent me email or called me about this issue. They said the account would be on hold until the investigation is complete. XX/XX/year> I now have medical bills that I can't pay from this account due to the hold. Having to use credit card. Still no resolution. They still say they are investigating. XX/XX/year> XXXX call. Account is still on hold. This time they realized the person they have been in touch with is not me, and a different email and phone number were being used that were not mine. After an hour with no resolution, I was transferred to a gentleman supervisor named XXXX. He said they will move it to " the front '' and get this removed ASAP. I don't believe this will be resolved without your help. It has been since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing XXXX account reporting on my TransUnion credit report because I believe the information is inaccurate and unauthorized. I have been attempting to resolve this matter for over XXXX months by sending dispute letters, but the account still remains on my credit report without proper correction or verification. I requested documentation proving this account is valid and authorized by me, but TransUnion has not provided sufficient verification. This inaccurate account is negatively affecting my credit profile. I am requesting a full investigation and immediate removal of this account if it can not be properly verified under the Fair Credit Reporting Act.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
As I was on the phone with Monterey financial to figure out why they where reporting a debt to the credit bureau I was threatened with lawsuit if I didnt pay and I requested a written confirmation of the debt and the lady sounded hastily and kept wanting me to pay for the debt even after my request for the validation letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: NV

Complaint narrative:
XX/XX/year> {$960.00} capital one the capital to resolve the debt by XXXX percent it is the wrong amount i been over charge I dont owe this amounti want this XXXX XXXX company to cease & desist please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: IN

Complaint narrative:
My mortgage company verbally confirmed on XX/XX/year>, and again via my realtor on XX/XX/year>, that I do not qualify for this loan on my own due to an unqualifying debt-to-income ( DTI ) ratio. However, the lender is actively and explicitly refusing to issue my legally mandated written Notice of Adverse Action ( Loan Denial Letter ). This refusal is a direct violation of the CFPB Equal Credit Opportunity Act ( Regulation B ), which requires a lender to provide a written adverse action notice within XXXX days of an unqualifying credit decision. The loan officer attempted to run and process an unauthorized joint application using my spouse 's financial data. My spouse is not a party to the purchase contract, has explicitly refused to participate, and has signed XXXX loan pre-disclosures. The lender is holding my sole application XXXX because this unauthorized joint avenue failed. Furthermore, the loan documents generated by the lender contain massive compliance failures, including a completely fabricated future employment start date of XX/XX/year>, and an incorrect property address on the initial pre-disclosures and appraisal invoice. The lender is withholding the federal denial letter in bad faith to assist the builder ( XXXX XXXX ) in triggering a voluntary contract default, which the builder is using to threaten me with a {$10000.00} penalty and the forfeiture of my deposit earnest money. I demand that the lender immediately comply with federal law and issue my formal, written Notice of Adverse ( Loan Denial Letter ) based on my sole financial profile and unqualifying debt ratio so I can execute my contract 's financing contingency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I had a XXXX day lease with Acima which I made a purchase through XXXX. In XX/XX/year> I went to the customer portal made the payoff payment in full to close out the account. XXXX not sure how but they said I owe them {$54.00} that I wasnt aware of. I receive no notifications via phone call text or email open till yesterday XX/XX/XXXX stating that I had an open account of {$400.00} when I called today to resolve the matter they were unwilling to accept the {$54.00} stating that I had a XXXX day grace period to make that payment and at this point I had to pay the {$400.00} to close the account. I advise I wasnt notified. I didnt know I had a balance and they stated the money that I paid in XXXX went to the future biweekly payments instead of closing out the accounts XXXX XXXX to speak to several supervisors, and I was unable to get any assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PLS GROUP, INC
State: NY

Complaint narrative:
Money order was canceled due to improper deposit a refund was requested and Ive been waiting since the end of XXXX for a refund each time there is a different story was told it was mailed out on the XXXX of XXXX I didnt get it was told to restart the refund process I did and was immediately told it was in the system but once again no refund last week I attempted once again and was told it was being mailed last Thursday afternoon something told me to contact them again today but was told itd never been mailed and would not go out until today which is another stall tactic and now Im being told to wait an additional 7-14 business days once again This was PLS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was a fraudulent transactions on my checking account : XX/XX/year> {$330.00} in XXXX, CA I was home in XXXX XXXX, CA, in possession of my debit card, which I have actually never used. Wells Fargo issued a provisional credit. However, I received a letter today stating that they would reverse this credit as of XX/XX/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 2026-05-27 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: NY

Complaint narrative:
Hi, I hope you're doing well. I'm reaching out because I'm feeling quite frustrated with my credit card company. Capital One. They recently restricted my card usage due to a fraud alert on XX/XX/year>. To verify my identity, they requested several documents from an account that is closed, which I can not provide, so my account has remained locked. During this time, I noticed they charged me a membership fee of XXXX on XX/XX/year>. Since my card has been locked for over XXXX months, I requested that they remove this fee, especially since I want to close the account. Unfortunately, I ended up receiving a {$25.00} late fee on XX/XX/year> for not paying the membership fee, along with an interest charge of {$1.00} on XX/XX/year>. When I asked them to remove these additional charges, they informed me that they couldn't do so because my account is locked. Its incredibly disheartening to see these membership and late fees accumulating, and now they are reporting to credit agencies that I owe them money for which I do not feel responsible. I would truly appreciate any support or guidance on this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage 's website does not make available to me an amortization schedule for my loan, specifically an updated one after my recent principal-only payment. I spoke with the company and they informed me that they are incapable of providing that to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, multiple unauthorized withdrawals totaling approximately $ XXXX {$800.00} were taken from my XXXX XXXX XXXX XXXX account through transactions labeled PAYPAL XXXX XXXX XXXX I did not authorize these transactions and believe my PayPal account and/or financial information was compromised. After discovering the transactions, I immediately contacted both PayPal and my credit union. Each party redirected responsibility to the other. PayPal advised me to contact my bank because the funds came from my bank card, while my credit union advised that PayPal had its own dispute process for these transactions. My credit union eventually disputed the charges on my behalf, but only approximately {$350.00} was returned to me despite the unauthorized withdrawals occurring on the same day and through the same PAYPAL XXXX XXXX activity. The remaining unauthorized transactions have not been fully reimbursed. I repeatedly contacted PayPal requesting : * a full fraud investigation, * clarification regarding the partial reimbursement, * information regarding the unauthorized transactions, * and recovery of the remaining funds. I have experienced difficulty obtaining consistent answers or meaningful assistance. I believe the transactions were fraudulent and unauthorized, and I am requesting assistance in obtaining reimbursement for the remaining unrecovered funds. In addition to the unauthorized crypto withdrawals, I also experienced a separate unresolved PayPal dispute involving a package marked delivered that was never actually delivered to my residence despite supporting evidence including security footage and XXXX correspondence. I mention this because my overall experience attempting to resolve disputes through PayPal has involved repeated procedural barriers, inconsistent guidance, and delayed escalation. I am requesting : * a full review of the unauthorized PAYPAL XXXX XXXX transactions, * explanation for why only partial reimbursement was issued, * and reimbursement of the remaining unauthorized charges.

Company response to consumer: Closed with explanation