vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
XX/XX/XXXX, received in the mail annual notice of PMI from Vystar Credit Union. Loan to value ratio was at 77.97 %. XX/XX/XXXX, sent written request to cancel PMI as I had met the requirements. XX/XX/XXXX, receive notification from Vystar that PMI was cancelled on my mortgage loan. 5 payments for {$86.00} for PMI from XX/XX/XXXX to XX/XX/XXXX were paid by me during this time. Total amount {$430.00} XX/XX/XXXX, receive in the mail Notice of termination of PMI. XX/XX/XXXX went to Vystar branch to dispute ending date for PMI cancellation and requested my overpayment back. Told me it would be a one-week time frame to research. Week of XX/XX/XXXX, called Vystar to request update of payment of overpayments. Told still researching. XXXX/XXXX/XXXX received check from Vystar for {$3.00} for overpayment. ( well short of the {$430.00} I am owed ) XX/XX/XXXX called Vystar and they said no notes were on the account from previous conversations with them. XX/XX/XXXX received call from Vystar telling me they are waiting on third party for response on if I am to receive refund for overpayment. XX/XX/XXXX told the same thing that they are waiting on 3 party insurance company to see if I will get funds back. Told Vystar I paid them the overpayments and that is between them and Vystar and I want my overpayments refunded to me.

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 monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Goal Structured Solutions, LLC
State: IL

Complaint narrative:
I took out a private student loan through XXXX ( serviced by Launch Servicing , LLC, NMLS # XXXX ) on XX/XX/XXXX for {$7500.00} to attend the Fall XXXX semester at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. Before the semester began, I notified the school that I would not be attending due to personal circumstances and asked that the loan be cancelled. The loan was nevertheless disbursed on XX/XX/XXXX. On XX/XX/XXXX, I emailed the XXXX XXXX Department to follow up on the cancellation. On XX/XX/XXXX, the XXXX XXXX Department replied in writing confirming that the loan had been cancelled as requested. I have a screenshot of this email confirmation. Despite this written confirmation, the loan was never cancelled by the lender or servicer. According to the Launch Servicing transaction history, the loan remains active and I have been charged a monthly payment of {$56.00} every month from XX/XX/XXXX through XX/XX/XXXX XXXX payments totaling approximately {$610.00}. I was also charged a XXXX XXXX of {$59.00} on XX/XX/XXXX the same date the school told me the loan had been cancelled. I have separately emailed the school, the lender ( XXXX ), and the servicer ( Launch Servicing ) to request resolution. As of the date of this complaint, no party has confirmed cancellation, halted further payments, or issued a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Please see attachment with more details. I also have communications and banking information I can provide once I have them scanned into my computer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I've been dealing with this for a while and I have tried explaining to the company that the debt wasn't mine from when I called the original holder of the account aand my phone number did not match any account on file and I already sent them identity thief reports twice and they keep claiming that they never got them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
I wanted to transfer XXXX XXXX the company suggested to make XXXX transfers of XXXX each. I received XXXX wires but I'm missing XXXX of them XXXX each since XX/XX/XXXX of XXXX. On XX/XX/year> I wrote the following email to XXXXXXXX It has all the information. The intermediary bank said that they already sent the money to the destination XXXX XXXX XXXX. I sent a bank statement ( attached ) showing that I didn't receive the money. Here is the email I sent : Dear XXXX Support Team and XXXX XXXX, I am writing to formally report that XXXX wire transfers initiated on XX/XX/year> have still not been credited to the recipients account at XXXX XXXX XXXX, despite being marked as " Sent '' or " Complete '' on the XXXX XXXX. Transaction Details : XXXX Transfer Reference : XXXX and XXXX Sender Name : XXXX Recipient Name : XXXX Recipient Bank : XXXX XXXX XXXX ( XXXX ) Intermediary Network : XXXX XXXX XXXX XXXX : XXXX XXXX It has now been over XXXX days since the transaction was initiated. The recipient has verified with their local XXXX XXXX XXXX branch that no funds have arrived or are currently being held. I request the following actions immediately : XXXX : Please provide the XXXX document for this transaction so I can track the exact path of the funds. XXXX XXXX XXXX Please initiate a XXXX XXXX to locate where the funds are currently held. XXXX XXXX : Please confirm if these funds were successfully transmitted to XXXX XXXX XXXX or if they are being held for verification. Please provide an update on the status of this investigation within 48 hours. If the funds can not be located, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or the relevant financial ombudsman. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: VA

Complaint narrative:
In XXXX I was the victim of identify fraud and was told to replace my router to prevent the thieves from getting back into my accounts via the old router. They were able to access my bank accounts as well as credit cards and store cards. I reached out to what I thought was XXXX support to help me get online, the person that answered the phone was not Net gear but in fact a fraudulent company using XXXX name, which of course I didn't know at the time. He told me to get online I needed to purchase protection that the reason I wasn't able to get on was the trial period with my new router had expired and I needed to buy coverage. Given I had just been a victim I was hypersensitive to being hacked again. He offered an annual program that would cover my current router and any new routers for life. The total price was {$360.00}. They processed two payments against my account of {$92.00}. My nephew works in IT, the day after I agreed to this service he finally called me back, did some research and told me they were frauds. I reached out to XXXX XXXX less than 24 hours later and cancelled my agreement, they agreed to allow me to cancel, but sent me nothing in writing. I also contacted XXXX and filed several disputes stating that they never connected to my router ( to my knowledge ), I do not today nor have I ever had service with this company, THEY ARE FRAUDS! Check my credit, I have locked everything down because of the fraud. I do not ow XXXX XXXX a dime, if XXXX paid them, then XXXX XXXX owes XXXX. I reached out to XXXX and XXXX XXXX multiple times and can forward emails if you would like to see them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: MO

Complaint narrative:
They have over {$7000.00} of my money and I have not been able to access it. I lost my card and I have moved to a new address. I have sent the information they required which was a copy of my social security card and birth certificate back in XXXX along with the case number they gave me. No response and no card. I tried calling multiple times since XXXX and waited on hold for hours and no one ever picks up. I need my replacement card or they need to transfer it to my bank account. I will be contacting my senators XXXX XXXX and XXXX XXXX next. I am sure they can get something done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I initially applied for the Chase Sapphire XXXX card back on XX/XX/26. I did not hear anything and after a month I called Chase card services. I was told the application was denied with no reason and I would be getting a letter. The letter never came. I then went to a local Chase bank in XXXXXXXX XXXX on XX/XX/26 and XXXX XXXX was very helpful and made some calls for me. I was told Chase needed copies of my and my wife 's household income along with proof of address. XXXX faxed these to Chase and a few days later I was still denied and was told I would get a letter with the explanation. I did not receive this letter again! XXXX made a call to Chase and all she was told was I did not have enough credit history. I made amother call to Chase and was put into a lending line and they are supposedly reviewing my request. I'm supposed to receive a call but I am not getting my hopes up with the lack of followup I've experienced from Chase.My wife and I have a Chase business cash card with a {$43.00} limit. We have never missed a payment and have put many expenses on this card over the years. I was a traveling XXXX XXXX and had my own separate business card. My wife was primary on our credit cards and I was an authorized user. Our chase business card is what we used for the majority of our purchases over the years. Apparently, this doesn't show up in my XXXX account which Chase uses to determine credit. I would like to know exactly why I am being denied this card. My credit score with XXXX was XXXX the last time I looked. Our income is well above the norm. I would like this card as I just retired as we would like to benefit from the travel perks. I attached XXXX letters saying my application was no longer being reviewed- both letters say per my request which is not accurate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I got a mobile deposit check scam on XX/XX/year>, and now my Citizens Bank account has been closed. I do not know what to do. They claimed to be my college professor sending a check. I already reported to my college police, but there has not been any follow-up. The bank said they will send a letter ; however, I have not received any letter back and have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial is still reporting an auto loan on my credit that was closed in XXXXXXXX XXXX XXXX I haven't pulled my credit report in a long time and did not realize it was still on there. I contacted Ally Financial to remove it and I was told that it would be removed and if there was any issues, they would reach out to me. I have not heard anything and it is still showing up. I was actually denied a loan because this loan is still reporting on my credit report.

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 2026-04-27 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: Exto Inc.
State: CO

Complaint narrative:
I have an atlas card account its a secured credit card woth credit repair abilities on XX/XX/year> I made a deposit in the amount of {$180.00} during the next few days I made some purchases from the card totalling {$150.00} on the XXXX they took {$180.00} out of my deposit account to cover the purchases which in itself is weird seeing as how none of it was due yet now mind you I only owed {$150.00} for my transactions which should have been covered by my deposit instead they kept the change and stuck me with an unpaid balance of {$26.00} which in itself is mathematically impossible when I brought it to their attention they stopped communicating with me and are demanding a payment that is not due for a month or they are going to report non payments to the credit bureaus that's not even legal is it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Formal Dispute of Alleged Debt To Whom It May Concern : This office represents [ Your Full Name ] regarding the above-referenced alleged debt. Be advised that my client formally disputes the validity, enforceability, and accuracy of this alleged obligation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and all applicable federal and state consumer protection laws. You are hereby notified that your claim is disputed in its entirety. Accordingly, you are hereby demanded to provide competent validation of the alleged debt, including but not limited to : The name and address of the original creditor ; The complete account history, including all charges, payments, fees, and interest calculations ; A copy of the original signed agreement or instrument bearing my clients signature establishing liability ; Documentation establishing your legal authority and standing to collect this debt, including any assignment or transfer documents ; Proof that the amount claimed is accurate and legally collectible ; Proof that the alleged debt is within the applicable statute of limitations. Pending full validation, you are directed to cease all collection activity, including but not limited to telephone calls, letters, and credit reporting. Further, if this account has been reported to any consumer reporting agency, you are placed on notice that reporting unverified, inaccurate, or disputed information may constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the FDCPA. If you are unable to fully validate this debt, you are hereby demanded to : Cease all collection efforts immediately ; Delete all credit reporting related to this account from all consumer reporting agencies ; and Provide written confirmation of such deletion. Any further collection attempts without proper validation may be documented as evidence of willful noncompliance with federal law and may result in legal action. This correspondence is not an acknowledgment of liability, nor a waiver of any rights, claims, defenses, or remedies available to my client. Govern yourself accordingly. Sincerely, Representative for XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dorough & Dorough, LLC
State: GA

Complaint narrative:
My HOA is stating I didn't pay my assessment for XXXX. However, I made XXXX payments to the collection agency in XXXX and a bank account garnishment was done, satisfying the balance. Now the collection agency is stating I owe {$350.00} for the XXXX assessment and the collection agency is charging {$300.00} in collection cost. Which seems very unreasonable and predatory.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-27 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: YSA ARM LLC DBA Oxygen XL
State: NJ

Complaint narrative:
THIS ACCOUNT IS BEING REPORTED ON CREDIT BUREAU AS UNSATISFIED. WHEN I ASKED THE CREDITOR TO VERIFY ORIGINAL AGREEMENT WITH MY SIGNATURE & THEIR COMPANY, THEY NEVER RESPONDED VALIDATING INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc.
State: MD

Complaint narrative:
According to XXXX ( but, to date, no other credit bureaus ) I owe a debt to a company called XXXX XXXX. I have never been a client of XXXX XXXX ( nor has any family member ). I have never seen a document or bill of sale ever from this company and if there is any such document, any use of my name is fraudulent and any signature that is supposed to be mine is a forgery. There may not be any such documents. I filed a dispute with XXXX and they asked me to submit a dispute with CFPB and submit a copy to XXXX with a copy of my driver 's license and social security card - to get this fraudulent debt collection removed from my records. The debt collection agency trying to collect some funds ( based on this fraud ) is AllianceOne ( but I never heard of this firm ). And I do not want to contact AllianceOne because ( to date ) they do not know who I am, as this is fraud. According to XXXX, the debt collection company 's activities began between XX/XX/year> and XX/XX/year>, but I have no other details. That is because this is fraud and there is no such debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: CA

Complaint narrative:
This started in XXXX of XXXX when EDfinancial intentionally and maliciously retaliated against me by falsely reporting XXXX late payments to the credit bureaus all in one day while I was protected under forbearance. The credit bureaus even verified their lies tom assist on their assault to destroy the credit of a XXXX XXXX XXXX 100 % service connected XXXX veteran. We are now going on XXXX months of back and forth XXXX with edfinacial openly admitting they accidentally posted the late payments and will correct it. Even in XXXX of XXXX I filled a complaint with this organization the CFPB And edfinancial was once again let off the hook by simply stating they would fix their errors on my credit report. Sand the CFPB closed the case. Here we are the beginning of XX/XX/XXXX sand this XXXX year bold XXXX veteran still has no vehicle because he refuses to agree to tghe predatory sales lots wanting to charge me XXXX % intrest because of my credit score that edfinacial destroyed. To this day my credit shows my payment history for the times i was protected as being XXXX days late

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$1600.00} for a hotel stay with XXXX XXXX XXXX XXXX. I stayed at the XXXX XXXX XXXX from XX/XX/year> through XX/XX/year>. During my stay, I experienced multiple serious issues with the room, including unsanitary conditions in the bathtub where debris and dirt came out when the jets were turned on, broken bathtub and shower fixtures, and concerns with the cleanliness of linens. These issues significantly impacted the quality and safety of my stay. After returning, I disputed the charge with Wells Fargo, as the services provided were not as described or expected. A provisional credit was issued ; however, it was later reversed while my dispute was still under review. I contacted the claims department and was also contacted by an executive office representative who stated that the matter would be further investigated and that he would follow up. Despite this, the provisional credit was reversed on XX/XX/year>, causing my account to become overdrawn and resulting in additional fees. I requested that the provisional credit remain in place while the investigation was ongoing and asked for clarification regarding the status of my dispute. I was given conflicting information by different representatives, and no clear explanation was provided as to why the credit was reversed while the claim was still being reviewed. Wells Fargo has since stated that the claim is closed and has refused to provide further assistance, despite the unresolved dispute and the documented issues with the service received. I believe the dispute was not handled properly and that my rights as a consumer were not protected during the investigation process. I am seeking a fair resolution, including a partial refund of {$600.00} for the services that were not properly provided, and correction of any fees or negative impacts to my account resulting from the improper reversal of the provisional credit.

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