vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 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: Experian Information Solutions Inc.
State: TX

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 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 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I am disputing approximately {$5000.00} in deferred promotional interest assessed by GoodLeap LLC following conflicting information from their representatives regarding my loan payoff. My loan included an 18-month promotional period requiring payment in full by XX/XX/XXXX. As of XX/XX/XXXX, my balance was approximately {$20000.00}. To pay the loan in full before the deadline, I made the following payments : {$4000.00} on XX/XX/XXXX {$7500.00} on XX/XX/XXXX {$7000.00} check mailed on XX/XX/XXXX {$9500.00} payment by phone on XX/XX/XXXX ( {$9400.00} plus a {$100.00} payoff fee ) On XX/XX/XXXX, I contacted GoodLeap and was informed that the {$7000.00} check had not yet been received. Based on that information, I made the additional and full payment to ensure the loan would be paid before the promotional deadline of XX/XX/XXXX. On XX/XX/XXXX, I called GoodLeap to confirm i'm fully paid and was informed that the {$7000.00} check had been received and posted and that my account was overpaid by {$7000.00}. I was told I would receive a refund within 1430 days. On XX/XX/XXXX, I contacted GoodLeap for a payoff statement and was unexpectedly told that the {$9500.00} payment had been returned by my bank and that I now owe Goodleap more than {$8000.00}, including approximately {$5000.00} in deferred promotional interest. I immediately contacted bank whose check I used for payment on XX/XX/XXXX and XX/XX/XXXX regarding this specific denied transaction. The bank advised that it had no record of rejecting or returning a {$9500.00} payment and no record that such a payment had been submitted by GoodLeap for processing. GoodLeap has also been unable to provide documentation supporting its claim that the payment was returned ( except for a screenshot on their App ). Additionally, I never received any email, text, or other notification that the payment had allegedly failed, despite GoodLeap representatives stating that customers are normally notified when a payment does not process successfully. I made repeated good-faith efforts to pay this loan in full before the promotional deadline of XX/XX/XXXX and relied on information provided by GoodLeap representatives XXXX Had I been informed of any payment issue on or before XX/XX/XXXX, I would have immediately corrected it. I had the means to pay it, saving up this whole time to ensure I do not incur interest and not have any credit and financial instability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an email from Wells on XXXX that I could not understand. I called the number on the email which is their fraud department I spoke to a very rude customer service rep who had a very bad attitude couldn't or wouldn't answer why my account was locked, couldn't or wouldn't offer me any solutions to resolve the matter, constantly interrupted me, and finally called me a liar when I was trying to explain my situation. I requested to be transferred to a supervisor. I was placed on hold for 38 minutes. The same customer service rep came back on the call and informed me " She was disconnecting the call and for me to have a nice day. I am a XXXX, XXXX XXXX XXXX XXXX with no support or transportation to get to the bank. I can't take an XXXX because they have locked my accts. and my XXXX XXXX checks go into this account that they have locked illegally and won't talk to me about it. I have been a Wells customer since XXXX. I don't know what to do. Can you help me resolve this? Thank you.

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 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I obtained a secured installment loan through Mariner Finance with an APR of approximately 35 percent and a monthly payment of XXXX. My personal vehicle was used as collateral for the loan. Although I made payments on the account, the loan balance has not meaningfully decreased compared to the amount originally borrowed, and the repayment structure has become financially unsustainable. In XX/XX/XXXX, I was laid off from employment and later exhausted my XXXX XXXX. Since then, I have experienced financial hardship and difficulty obtaining alternative financing or refinancing. On or about XX/XX/XXXX, I contacted Mariner Finance and spoke with XXXX XXXX to proactively request hardship assistance before the account became further delinquent. I requested a reduced payment arrangement, payment modification, hardship accommodation, and protection from negative credit reporting. Mariner Finance informed me that no payment reduction or modification would be offered and that I was not eligible for another deferment because a deferment had previously been granted in XX/XX/XXXX. I was also informed that late credit reporting is automatic. I am concerned about the affordability of this high APR secured loan, the handling of hardship requests, the total repayment burden compared to the amount borrowed, and the reporting of delinquency while the account is under active complaint and hardship review. I am not refusing to pay my obligations. I am seeking review of the loan structure, hardship handling practices, and credit reporting practices, along with reasonable assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Citibank account on XX/XX/year> with a {$1000.00} cash and a check of {$850.00} from the XXXX XXXX. After a few weeks, I've received a letter from the bank, that they were going to close my account because they thought it wasn't me or the {$850.00} check was fake. They returned the {$1000.00} cash back but never returned the {$850.00} check from the XXXX XXXX. I then called the social security and they explained that they can not give me another check because the bank still have the {$850.00} check. Today XX/XX/year> ; I went to the bank personally and talked to a worker there that opened my account and she called the company about the situation. Later in the XXXX, I got a call from her and told me that the bank won't give me back my money ( {$850.00} XXXX XXXX XXXX ) and that they will keep it to themselves. So how or what do I do to in order to get my money back?? I need that {$850.00} XXXX XXXX XXXX back. Thank you for your 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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>, I submitted an online application to BMO Bank N.A . for a new BMO XXXX XXXX Checking account and a XXXX XXXX account. Shortly thereafter, I received an email notification stating that BMO chose not to open the accounts because they " werent able to confirm my identity online. '' ( Reference Code : XXXX / Email ID : XXXX ). BMO Bank 's notice failed to provide any specific, actionable reason for this decision, nor did it include a legally compliant Adverse Action Notice detailing which consumer reporting agency or identity verification database ( e.g., XXXX XXXX XXXX XXXX XXXX ) was utilized to generate this flag. By failing to provide the specific grounds for denial or the contact information of the consumer reporting agency responsible for the data, BMO is in apparent violation of the Fair Credit Reporting Act ( FCRA ) adverse action disclosure requirements. Furthermore, because the bank hides behind a vague, automated " identity confirmation '' algorithm without providing transparency or a clear path to recourse, I am deeply concerned that these opaque screening practices may result in a disparate impact, potentially violating federal non-discrimination laws by unfairly locking eligible consumers out of the banking system. What is a fair resolution? I request that BMO Bank N.A . provide a full, transparent disclosure regarding the exact consumer reporting agencies or proprietary identity verification tools used to review my application, including a formal Adverse Action Notice as required by federal law. Additionally, I request a manual compliance review of my application by a human underwriter to ensure no discriminatory algorithmic bias occurred, and an opportunity to open the accounts.

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 2026-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
The mortgage company issued a check of {$7300.00} dates XX/XX/XXXX which I forgot to bank into my checking account. The check has been past due for a year before I realized I havent bank in the check yet. So I called the company about the issue. They promised me to issue another check for the same amount but the check that came was only {$1800.00} dated XX/XX/XXXX. I called them and they said they will sent me the difference. But till todate they have no explanation or reason to tell me of whats happening. They still owe me the difference!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: TX

Complaint narrative:
Complaint : I am filing this complaint because American Education Services ( AES ) reported late payments on my student loan ( Account ending in XXXX ) even though I applied for a forbearance due to a documented financial hardship. AES did not process my forbearance request in a timely manner, and as a result, they reported me late before completing the review. This reporting has also harmed my cosigner, my sister, who has excellent credit and was not responsible for the hardship or the delay in processing. The late mark has negatively affected her credit profile, which is unfair and unnecessary. AES sent me a letter dated XX/XX/year> stating that they determined the information reported is accurate, but they did not provide any documentation showing how they verified the reporting. They did not provide : Proof of timely processing of my forbearance request Proof of proper notice before reporting me late Proof that the reporting is complete and fair under FCRA 623 Proof that they considered the impact on the cosigner I am requesting that the CFPB require AES to : 1. Provide documentation showing how they verified the late payment reporting 2. Provide the timeline of my forbearance request and their processing 3. Explain why they reported me late while a forbearance request was pending 4. Remove the late payment from both my credit report and my cosigners credit report due to hardship, servicer delay, and incomplete reporting I have a long history of on-time payments, and this situation was caused by a legitimate hardship and a processing delay outside my control. The reporting is incomplete, unfair, and harmful to both me and my cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: UT

Complaint narrative:
US Bank will not allow me to close my deceased father 's account. I waited the 30 days, got the small estate affidavit notarized ( they will not provide the form ), and provided death certificate. There is less than {$500.00} in the account. They will not accept the form, they will not provide an acceptable form or explain why the form my bank printed and notarized is unaccaeptable. They are making this matter very difficult and all for less than {$500.00}. My father was homeless, he owned nothing and this account needs to be closed.

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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am submitting this complaint against Goodleap , LLC for engaging in unfair, deceptive, and abusive acts and practices ( UDAAP ) regarding the financing of a home project at my property ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). Specifically, Goodleap has completely withheld basic account transparency, failed to provide verification of fund disbursements, and improperly released my loan proceeds to a fraudulent contractor for incomplete work, resulting in severe financial harm and liens placed on my home. 2. The Facts & Lack of Account Transparency My home improvement project was financed through Goodleap via their authorized, vendor-network contractor, XXXX XXXX. The contractor has since completely abandoned the project and misappropriated the funds. Furthermore, because Goodleap disbursed funds without securing the necessary subcontractor lien waivers, innocent subcontractors were left unpaid and have placed claims of lien against my property. Despite formal, written requests to Goodleap demanding a full accounting, a certified draw/disbursement history, wire confirmations, and copies of the milestone completion certificates that were used to trigger these payments, Goodleap has failed to provide this transparent account data. As the borrower legally obligated to repay this debt, I have a federal right under RESPA and TILA guidelines to a complete statement of account, which Goodleap is actively withholding. 3. Improper Milestone Disbursing Goodleap 's financing model relies on a milestone/draw schedule. They are legally and contractually obligated to verify that specific phases of construction are legitimately completed before releasing thousands of dollars of my loan balance to a third party. Goodleap failed to exercise proper oversight or verify actual project progress. They disbursed my loan proceeds for work that was never performed, essentially financing a fraud and leaving me with a non-functional, abandoned project site and an endangered property title. Jus Mundi 4. Application of the FTC Holder Rule Because Goodleap established a direct consumer financing partnership with this specific contractor to originate this loan, under the FTC Holder in Due Course Rule ( 16 CFR Part 433 ), Goodleap is legally subject to all claims and defenses that I could assert against the seller/contractor. Goodleap can not legally enforce the terms of a 20-to-25-year consumer loan for a contracted service that was never delivered due to systemic vendor fraud. I have already filed formal complaints regarding this fraud with both the Florida Department of Business and Professional Regulation ( DBPR ) and the Florida Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Greenlight Financial Technology, Inc
State: NJ

Complaint narrative:
starting around XXXX XX/XX/XXXX, paygamemoney and paygamemoney XXXX began hitting my daughter 's green card for transactions and successfully pulling money from the parent bank account to support the transactions. Started with small amounts which were not first noticed. Greenlight blocked the XXXX attempts but allowed the others to go thru. Each week the process would start again but for larger amounts so same happened XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I caught this during my monthly audit of the account around XX/XX/XXXX and immediately shut the card down before it could happen again XXXX XX/XX/XXXX. I filed a complaint with Green Light and they have refused to explain how unauthorized transfers from parent bank account could go to child 's card to then be taken for these transactions. The whole purpose of Green Light is limit the amount that a child 's card is exposed. They also can't explain why their system stopped the XXXX withdrawals and not the others. They have refused to refund my money. I pay for the highest level of card which provides all their levels of service and protection. I authorize this to be published to the public for all to see the risks of this system to children.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made XXXX payments online for the XXXX to Citibank XXXX scheduled for Friday and another initiated Sunday when the first didnt show. There was no warning system that I had set up a second payment. As a result, my account was overdrawn when my bank paid it out and they charged me a fee. Because my bank paid it out, I asked if I could have the second payment back. The rep on the phone said they would hold my payment for 10 business days. Then it would be another 5 to 7 business days before I could get my money back. In the meantime I have other credit card payments due to Citibank and will be hit with more Overdraft fees. I understand it was my mistake but they lack a warning system for second payments and the turn around time is ridiculously long for an electronic payment when other institutions are able to return the payment back to the account it was paid from. I will incur any number of other bank charges for overdraft while I wait and had to cancel my autodraft for my credit card with them so that payment will also be late.

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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I paid {$50.00} on XX/XX/XXXX which shouldve made my account go down. XXXX I paid {$170.00} and then {$100.00} which shouldve paid my account down but it wasnt. I had no access to the app since they locked my online account at this time. I kept trying to make my payments however they kept getting returned to my account due to insufficient funds but I know I had the amount on my bank. It says when making a payment that it will come out of my account on that date specifically, not 4-5 days later as its been showing. They closed my account in XXXX and I had no notice of this. They didnt tell me they closed my account & Ive been trying to make payments through the automated phone system but they kept getting returned and charging me a return fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CrossCountry Mortgage LLC
State: TN

Complaint narrative:
We are currently attempting to short sale the home, but are unable to obtain viewings or offers. The home has been on the market for 14 days. We are decreasing the price of the home every week in hopes of selling it. I am newly divorced as of XX/XX/XXXX. My ex husband lost is job and is unable to take responsibility of the home. I am unable to pay for the home myself. We have contacted our lender, CrossCountry Mortgage, in an attempt to resolve the problem. I am seeking a Deed in Lieu of Foreclosure because I do not want to keep the home. CrossCountry Mortgage is stalling the loss mitigation process by repeatedly denying my application for 'missing paperwork, ' despite my completing and submitting every requested document. They have not sent formal letters of denial in the mail, we have not received any paperwork documentation other than what they say on the phone. I want an executive review of my financial package for a Deed in Lieu immediately.

Company response to consumer: Closed with explanation