vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
SUBJECT : Formal Credit Dispute Inaccurate Account History Reporting I am formally disputing the highly inaccurate and contradictory payment history being reported by Aidvantage for XX/XX/XXXX ( 90 days past due ), XX/XX/XXXX ( 120 days past due ), and XX/XX/XXXX ( 150 days past due ). As documented in my credit report file, Aidvantage has officially listed my account status as " Open. Deferred, payments begin XX/XX/XXXX. '' Under federal credit guidelines and the Fair Credit Reporting Act ( FCRA ), it is an explicit compliance error to simultaneously report an account as actively deferred while back-calculating severe delinquency marks for those exact same periods. Furthermore, the reporting data shows an erratic, illogical mathematical jump from XXXX days past due in XXXX straight to " Current '' with a green checkmark in XXXX. This proves a systemic calculation error on the servicer 's end. Additionally, I have been continuously unemployed since XX/XX/XXXX. Under federal student loan guidelines, I am fully eligible for retroactive administrative forbearance or unemployment deferment protection to cover this window. I request that Aidvantage immediately process a formal credit retraction to the major credit bureaus XXXX XXXX XXXX XXXX XXXX to wipe out the negative history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and update those months to reflect a current or deferred status. " "

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
On XX/XX/2026, Ally took double payment from me. I have contacted them multiple times to get my funds back and they are giving me the runaround on returning my money back into my account. This has caused hardship to me and my family. This is an unauthorized withdrawal and its crossing the lines of fair business practices.

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: OK

Complaint narrative:
XXXX was paid of XXXX due to total loss insurance pay, was supposed to be refunded the over payment and the gap coverage and everytime Ive called they tell me they will send it in XXXX days expect it in XXXX days. And its been close to a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: GA

Complaint narrative:
Yamaha Motor Finance 's online payment portal will not allow you to make a payment online even if it is 1 day past due. Once the payment date is past due, you have to call their customer service which has hours of a standard company to make the payment and can no longer utilize the online period to make the payment even though you are well within your " grace period '' as defined on the contract. I have expressed how this is problematic to them for folks who travel for work, have off-cycle work hours, live in time zones that do not align with their customer service hours... etc. Each time I have been told it is a website issue and that they are trying to fix it. This website issue has been going on for well over nine months and there has been no update or fix implemented. As of today, I was informed it was not a website issue and was a feature and there was no fix being worked on. They are purposely creating hoops to jump through to make payments for their consumer clients. Furthermore, if you are traveling and or unable to make a phone call, they will charge a late fee once you are passed your grace period. I have no other loan that makes it so difficult to make a payment. If you are within your contract defined " grace period '', you should not have to stop everything you are doing to make a 15 minute phone call to make the payment, the website should still allow payments until " grace period '' has ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I filed a complaint on XX/XX/XXXX that was immediately dismissed as a duplicate complaint and it is not. My vehicle was repossessed and I've recieved no credit fir the value if the vehicle. The initial loan amount of XXXX was secured by a XXXX XXXX XXXX valued at only XXXX dollars I requested only XXXX dollar loan. I never wanted a XXXX dollar loan the loan far exceeded the value of the collateral. Initial principal XXXX final principal XXXX value of collateral between XXXX at most collateral has been repossessed and i am not recieving any credit towards the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
Marcus by Goldman Sachs began a promotion on their website on XX/XX/year> advertising that if a consumer transferred {$150000.00} to their account before XX/XX/year> and left the money in their account for XXXX days then it would qualify for a {$1500.00} bonus. I clicked on the offer and setup an account and transferred money on XX/XX/year>. I had XXXX separate telephone calls with XXXX to setup the account and confirmed via phone that this would be eligible for the bonus. I called them on XX/XX/year> to ask why my bonus had not been paid and they said I did not " sign up '' for the offer. I was stunned and told them that it was the day after the offer started and I had XXXX calls with their associate about it on account setup. I asked them to review those call logs in XXXX as evidence that I was wanting confirmation that my funds would qualify for the bonus. They said they would review the logs and get back with me. I received a phone call from them on XX/XX/year> that said my claim was denied. I asked if they listened to the phone call and they said I didn't sign up for the bonus, and I reiterated that I did. I asked them to send me an email describing why my bonus was denied and they refused. I asked them to send me their phone logs, and they refused. I asked them to tell me what was discussed on those phone calls in XXXX and they refused. I asked if they thought it was just a coincidence that I signed up the day after the promotion started as a new customer and they said I guess so. Based upon the gross lack of information, I am concerned that this program has created this issue for a number of consumers. I have a financial background and have much experience with the hurdles that need to be jumped through to qualify for these offers and am confident they were met. If this were an upfront promotion, the company would have at a minimum just looked at the sign up date and note that there was no other reason to deposit that money and should have given it to me on that point alone much less spending time to deny my claim with no support for doing so.

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 accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am traveling abroad in XXXX XXXX and lost my debit card. I immediately reported it lost to customer service over the phone but only after numerous calls was I able to get it cancelled and a replacement request put in. They triggered a delivery of my new card to an old address of mine instead of the address I provided because they could not " confirm my new address. '' They did this so that I would be able to access the new card via XXXX XXXX as I'm traveling and have no other means to access my funds. This then failed because they were not able to verify my phone number. They then asked me verification questions that I answered accurately and they still denied my ID verification. I provided them with my passport and driver 's license and the verification still failed. They repeatedly requested that I " visit a branch '' despite my explanations that I am traveling and am unable to visit a branch. They repeatedly tried to get me off the phone and told me to " call back at a later time '' ( no specific time given ) when my phone number would have registered in the system. I would wait for hours and then call back and they would tell me they still can not verify my phone number. At no point did anyone at Chase make any attempt to help me to get access to the money in my account without " verifying my identity '' despite the fact that I have given them my SSN, phone number, address, debit card number, etc. They have left me stranded abroad with no access to my account or funds and even blocked me from using XXXX to send money to my wife so we would have money for food, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: IL

Complaint narrative:
I am disputing a collection account reported by IQ Data XXXX XXXX related to move-out charges from my former apartment lease. My tenancy ended in XX/XX/year> after approximately 13 months. At move-out, my account was charged for cleaning, painting, and carpet-related items in addition to final rent and utility adjustments. The ledger shows move-out charges including cleaning ( {$170.00} ), painting ( {$330.00} ), and carpet-related charges that were adjusted using depreciation calculations. After adjustments, the final balance reported is approximately {$460.00}, which has been placed into collections. While depreciation adjustments were applied ( including reductions such as carpet being adjusted from a 2-year basis to a 1-year basis ), I dispute the remaining charges as I have not been provided sufficient supporting documentation, including move-out inspection reports, photographs of alleged damages, or itemized invoices. I also previously attempted to resolve this issue directly with the property management company via email on XX/XX/year> and XX/XX/year> requesting documentation and clarification, but I did not receive a response. Additionally, I paid a {$650.00} application fee during a prior transfer application process and was verbally informed that {$450.00} would be refunded if the application was denied. The application was denied, but the refund was never issued.

Company response to consumer: Closed with non-monetary relief
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: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: PA

Complaint narrative:
I took out a loan with Bison Green XX/XX/year>. The loan was {$1500.00}. I did not realize they are not licensed in XXXX XXXX rate is 532.77 %. Payments are {$330.00} biweekly. It is illegal in the state of Pa. I am struggling to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
To whom it may concern I have had ample amount of issues with M & T Bank and they have not protected us and or our finances while we are banking with them. Our first issue was we had an issue with XXXX where we were told by the health department, including XXXX to remain out of the rental due to the unsafe health concerns as well as the building codes, and they were violated several times before that, and they refused to give us our money back. I provided ample amount of information to MNT and they ended up not even refunding us our full amount. I also moved out of a building that I was renting a XXXX from and asked for my bank to stop allowing payments to come out as ACH and she said she did but I still have ACH payments coming out of my account. I have been lied to several times by this bank we have been told that the money was going to be placed back into our account and it still hasnt been. Should not be in business at all they are fraud themselves. They lie to their customers, and they do not protect their customers and their finances. I am asking to receive all of the money back that I have made complaints about and proof on it is not like Im just sitting there filing disputes just to follow a dispute. There are reasons behind it, and I am showing evidence and they are not doing their job and properly looking into the evidence and allowing people to take advantage of our actual 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 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A business checking and savings account was restricted after deposited customer checks were questioned by the bank in XX/XX/year>. The company has signed order forms, customer confirmations, and business records matching the checks to legitimate services ordered and paid for by customers. The bank stated that certain checks required verification from the makers of the checks. This verification process is the banks internal policy, not the customers. The bank contacted multiple check makers and reached several of them, and multiple makers confirmed the legitimacy of their payments. However, the bank has not continued reasonable verification efforts with the remaining makers, has not provided a clear written status update, and has not explained why the funds continue to be restricted. A formal written complaint was sent to the bank on XX/XX/year>. Follow-up emails were sent after that because no meaningful response was received. The company requested a written status update, the specific reason the funds remain restricted, the exact amount being restricted, whether unrelated funds are also restricted, the legal or contractual basis for the continued hold, the status of maker verification calls, an estimated timeline for release, and confirmation that XXXX or XXXX XXXX reviewed the matter. The bank has not provided this requested information. The company has not received a meaningful written explanation, a timeline for resolution, or the specific legal or contractual basis for continuing to restrict the funds. Funds unrelated to the questioned checks also appear to remain restricted. The company has provided or made available signed customer order forms, customer confirmations, and supporting documentation matching the checks to legitimate business transactions. The company should not be harmed because the bank has failed to complete its own verification process in a timely and reasonable manner. The requested resolution is for the bank to immediately release all funds that are not lawfully subject to hold, provide a written explanation identifying the exact checks or items still under review, state the exact amount currently restricted, confirm whether unrelated funds are being restricted, provide the legal and contractual basis for any continued restriction, provide a timeline for final resolution, or return the checks if the bank refuses to process them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Last XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Investigation of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute inaccurate information reporting on my credit file under the Fair Credit Reporting Act ( FCRA ). I request an investigation into the following account : Creditor : Credit Acceptance Corp Account Number : XXXXXXXX XXXX XXXX XXXX Issue : The account information appears inaccurate and inconsistent. The reporting details, dates of activity, closure, and payment history may not be accurately verified. I request full validation and verification of this account, including the original signed agreement, complete payment history, and proof of reporting accuracy. If this account can not be verified as completely accurate, I request that it be removed from my credit report. Additionally, I request verification of any hard inquiries listed that I do not recognize or authorize. Please investigate and provide me with the results within the timeframe required under the FCRA. Sincerely, 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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV Finacial LLC * * Subject : Cease and Desist Demand * * Dear LVNV Financial LLC This letter serves as a formal demand that you immediately cease and desist from the following conduct account I have implementing the amount of XXXX XXXX Your actions are causing harm to me and may violate applicable laws, including but not limited to continuous harassment. Accordingly, you are hereby directed to : 1. Immediately stop all such conduct ; 2. Remove or delete any related content, materials, or communications ; 3. Refrain from any future actions of a similar nature ; and 4. Provide written confirmation by [ date ] that you will comply with these demands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XX/XX/year> MIDLAND CREDIT MANAGEMENT , INC . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX RE : FORMAL DISPUTE/ CEASE & DESIST / DEMAND FOR DELETION Account Number : XXXX To Whom It May Concern, I am formally disputing the alleged collection account currently being reported and/or collected by Midland Credit Management. I demand the immediate removal and deletion of this account from all consumer reporting agencies due to false, inaccurate, misleading, incomplete, and unverified information being furnished under false pretenses. I do not acknowledge liability for this alleged debt. Your reporting contains information requiring validation, including but not limited to : * Debt buyer classification * Account ownership and chain of assignment * Alleged account balance and payment history * Consumer responsibility designation * Authority to collect and report this account Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), you are legally obligated to furnish only information that is accurate, complete, and fully verifiable. Therefore, I demand you provide : 1. Original signed contract bearing my signature 2. Name and account information of the original creditor 3. Complete itemized accounting and payment records 4. Full chain of assignment proving legal ownership of this debt 5. Documentation proving your authority to collect and report this account Until complete validation is provided, you are instructed to : * Cease all collection activity immediately * Cease telephone calls, texts, emails, and automated communication * Limit any legally required communication to written correspondence only If you can not provide legally sufficient proof of this alleged obligation, I demand immediate permanent deletion of this account from XXXX, XXXX, and XXXX. Failure to comply may result in complaints being filed with the CFPB, FTC, State Attorney General, and pursuit of remedies available under applicable consumer protection laws. This letter does not constitute acknowledgment, acceptance, or admission of liability, nor permission to continue collection activity. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation