vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I have a secured personal loan with OneMain Financial. I entered a loan modification that required three reduced payments, which I completed. 

During the modification call, I asked for clarification of when full payments would resume and was told they would restart XXXX of XXXX after the reduced-payment schedule ended. I was rushed to e-sign the agreement while on a small mobile device, told I could not hang up, and stated that I could not clearly read the document. I was required to consent to call recording during this process. 

When I later checked my online account around the usual monthly due date, the portal showed no payment due, which I relied on.

OneMain is now retroactively claiming I was past due earlier than I was told. When I disputed this in writing, they stated that no call recordings exist, despite my being required to consent to recording. They also continued sending delinquency notices and making payment demands during an active dispute while pushing me to resolve the issue by phone instead of in writing. 

I am disputing the claimed delinquency based on contradictory representations, lack of clear written disclosure of the payment restart date, and continued collection activity during a formal dispute. I am requesting correction of the account, cessation of collection activity during the dispute, and written confirmation of the correct payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ

Complaint narrative:
I meant to buy tickets from someone and they sent me their govt ID but I was scammed on it, I asked the bank to cancel pending transaction but they were unable to cancel the pending transaction despite calling them on the very same day it happened, they asked me to wait and file a dispute and then they just closed the dispute with no further information or any email about the dispute being closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I am filing this complaint against AidVantage for a series of administrative and technical failures that have resulted in severe, inaccurate damage to my credit profile ( a drop from XXXX to XXXX ). 

XXXX. The Consolidation Error : In XX/XX/XXXX, I consolidated my loans through XXXX with the intent of combining all obligations. Due to a documented processing error between lenders, XXXX AidVantage loan was omitted. I was under the reasonable belief that my student debt was fully consolidated and handled. 

XXXX. Failure to Notify : AidVantage failed to provide adequate notice of this remaining balance or its delinquency for over XX/XX/XXXX months. AidVantage notified me that I needed to pay the balance on XX/XX/XXXX. I paid the balance on XX/XX/XXXX, with email confirmation showing that my payment has been submitted. " This email serves as confirmation of your payment. '' Payment confirmation XX/XX/XXXX : XXXX. Can provide more if needed. I have attempted to pay multiple times after this since then. As of XX/XX/XXXX, the account is now current as I have tried to pay again, but no money has left my bank account. 

XXXX. Technical Payment Failure : Upon discovering the error, I immediately attempted to bring the account current to AidVantage, who claimed they let me know payments were not accepted, despite not attempting to reach me via my email or any other form. 

XXXX. Lack of Support : I have attempted to resolve this via phone multiple times, but I have been repeatedly disconnected or hung up on by frontline agents, preventing me from curing the delinquency. 

Requested Resolution : Administrative Correction : I request a Retroactive Administrative Forbearance for the months of XX/XX/XXXX through XX/XX/XXXX to reflect the administrative confusion caused by the consolidation error and the lack of servicer notification. 

Credit Reporting Deletion : I request that AidVantage submit an automated credit dispute to delete all late marks associated with this account, as the delinquency was caused by servicer-side technical errors and processing failures. 

Manual Payment Processing : I require an escalated agent to manually process my payment to bring the account to " Current '' status immediately, as their automated systems are non-functional.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding inaccurate credit reporting and obstruction of my ability to make a payment. 

Prior to this issue, my credit report had no negative marks, and I maintained a credit score of approximately XXXX. I have a consistent history of timely payments and responsible credit use. 

Navy Federal restricted my checking account after a legitimate {$10000.00} check deposit was incorrectly flagged as fraudulent. This restriction resulted in loss of online access and severely limited my ability to manage my account. Despite repeated attempts over several weeks, Navy Federal failed to provide a clear or reasonable method for me to make my credit card payment. 

I contacted Navy Federal multiple times seeking to pay my credit card balance. I was told at various times that I could not pay online, could not pay by phone, and could not make a payment in-branch. I was advised to mail a check, despite not having access to accurate balance or payoff information. These restrictions directly prevented timely payment. 

Eventually, Navy Federal permitted me to submit a payment by phone. I requested to pay the balance in full and did so in good faith. Despite this, Navy Federal reported a late payment and a small remaining balance of approximately {$30.00}, which resulted from inaccurate payoff information provided while my account access was restricted. 

This inaccurate reporting is causing immediate harm. I am currently in the process of purchasing a home related to a new job, and this reporting error is negatively impacting my ability to secure financing despite my otherwise strong credit history. 

I believe this late payment reporting is inaccurate because Navy Federal materially prevented me from making a timely payment. I am requesting : Removal of the late payment from all credit bureaus Correction of my account status Written confirmation of resolution

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 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
My personal information has been shared on the black web. I have provided each company the proper documentation for my identity theft and still they are reporting inaccurate information. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX ( XXXX ). 
Furthermore, under FCRA XXXX, you are required to conduct a reasonable reinvestigation of disputed information, and under XXXX, furnishers may not report information they know or should know is inaccurate or obsolete. 

I am demanding the following : XXXX. Immediate deletion of this rental property account from my credit file XXXX. Written confirmation that the account has been permanently removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app close my account because I they said I did fraud I dont did anything fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal permanently limited my verified business account after I complied with identity verification requests, including submission of my Social Security number and government-issued ID. PayPal has refused to provide a reason, denied any appeal process, and will not allow account closure .. My business is a registered LLC , and I was using the account in good faith to invoice for a legitimate event business. I am requesting account closure and confirmation regarding handling of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
In XXXX my ex wife and I had an American Express card. Her account I was a user on it. We quit using in XXXX. XXXX I was divorced. I recently applied for a card, sent it to my new address, in my name, not hers or showing it was her account. Set up the app to make payments. Made several. I get an email asking why I am using her card etc. Threatening legal action. Ive written emails to them, XXXX. Talked to customer service til im blue in the face. They will not put debt in my name, admitted there was a mistake. All they said I can do is make payments to her. Nothing g they can do. I am not trying to get out.of debt. Just make it right. Never requested new card to my new address under her account. Without hiring attorney and taking legal action I dont know what to do. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am reporting an ongoing unauthorized access incident affecting my PayPal account and my PayPal Credit account issued by Synchrony Bank. On XX/XX/XXXX, I received a systemgenerated PayPal security alert stating that a new devicean XXXX XXXX using XXXX in XXXX, INlogged into my PayPal account without my authorization. I do not own an XXXX, I did not add any new device, and I did not authorize this login. This is a confirmed account compromise. 
Unauthorized Access Details : Email from PayPal ( XXXX ) received XX/XX/XXXX at XXXXXX/XX/XXXXEST Subject : We noticed a new device login Device : XXXX XXXX, XXXX XXXX : XXXX, IN Timestamp : XX/XX/XXXX at XXXXXX/XX/XXXXEST I did not authorize this login, and I do not own or use any XXXX devices. 
Connection to PayPal Credit / Synchrony Bank : Shortly before and after this unauthorized login, I received an email from Synchrony Bank titled Important information about your PayPal Credit Card purchase. I did not make any PayPal Credit purchases after XX/XX/XXXX. The only legitimate PayPal activity I authorized was a XX/XX/XXXX pledge for the XXXX Boardgame on XX/XX/XXXX, paid from my PayPal balance. 
The Synchrony email disappeared from my inbox after a system reset. I did not delete it. This disappearance prevents me from reviewing the details of the attempted transaction and raises concerns about system instability or improper handling of fraudrelated communications. 
My Security Position : Because my PayPal account was breached and unauthorized access is ongoing, I will not log into any bank or financial institution until the situation is secured and confirmed safe by appropriate officials. Logging in during an active compromise could expose additional 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 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am disputing a rental debt being reported and/or collected by Spring Oaks . On or about XX/XX/year>, I sent Spring Oaks a written debt validation request via certified mail, requesting verification of the alleged debt, including proof of the amount owed, the basis for the charge, and their legal authority to collect. 

Spring Oaks did not provide the requested validation within the required timeframe and has failed to supply sufficient documentation demonstrating that I legally owe this debt. Despite this, the debt has not been resolved and continues to be reported and/or pursued. 

Because Spring Oaks has not validated the debt after a proper dispute, I contend that this debt is not mine and that continued collection or reporting constitutes an attempt to collect an unverified and disputed debt.

I am requesting that Spring Oaks either provide full, proper validation of the alleged debt or cease collection activity and remove any related reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I received XXXX Vanilla Visa gift cards as gifts on different dates. XXXX card was received in XX/XX/XXXX and the second card was received in XX/XX/XXXX. Neither card has ever worked. 

Card XXXX returns a system error stating that the card does not exist. The card number is not recognized online or by customer service systems. 

Card XXXX was successfully registered and shows a {$50.00} balance. However, it declines at all merchants. I attempted to use it at multiple physical retail locations and it was declined each time. No pending charges or holds appear. The balance remains visible, but the card can not authorize transactions. 

I contacted Vanilla customer support by phone and was repeatedly routed back to their website without reaching a resolution. I submitted an email support request over a week ago and have not received any response. 

At this point, I am unable to access {$100.00} in funds that were paid for and activated. There is no effective customer support path to resolve this issue. 

I am requesting replacement cards or a refund of the full remaining balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I attempted to pay off the total debt on an XXXX XXXX Citi Bank XXXX XXXX XXXX ) credit card. The debt collector agency, contracted by Citi Bank XXXX XXXX XXXX XXXX ), agreed to resolve all my debt ( {$7700.00} ) with a settlement of {$5400.00}. After the settlement was agreed to, I paid that amount via a checking account transfer from XXXX XXXX XXXX Credit Union. My bank statement shows that the amount of {$5400.00} was transferredXX/XX/XXXXfrom my account to XXXX XXXX XXXX. 
I request that {$5400.00} be refunded to my account at XXXX XXXX XXXX Credit Union.

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 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have contacted Affirm by phone and email numberous times about this debt. I have submitted at least XXXX appeals or disputes on this transaction. Affirm will not tell me who the creditor is or where this money went- I never borrowed this money in XX/XX/year>2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX submitted a hardship request via an application for success. On XX/XX/XXXX Rocket informed me that some of the submitted documents were incomplete, specifically that the XXXX & XXXX I submitted for my business did not have our signatures. On XX/XX/XXXX I resubmitted the signed XXXX XXXX XXXX On XX/XX/XXXX I called to request a status and was informed that I submitted the incorrect P & L and that I needed to resubmit according to their guidelines. I logged in and could not identify what guidelines they required. On XX/XX/XXXX I I called Rocket again and this time they said they have everything they needed. While logged in I see a notice that our mortgage is in process of being transferred as of XX/XX/XXXX. I feel this is irresponsible on behalf of Rocket to transfer our mortgage while I am in process of hardship and during my forbearance review. I strongly believe Rocket will sell our mortgage to get out of working with us. This is why I am given different information and they continue delaying the review of my hardship request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I am filing this complaint because Concora Credit ( Milestone Mastercard ) is denying me access to my funds due to a security block caused by their own internal administrative errors.

Timeline of Events : Unauthorized Address Change : Concora updated my residential address to an address from my government ID without my consent. This triggered a mismatch in their system and caused my original card to be sent to the wrong location.

Verification Completed : To resolve the missing card, I underwent a full identity verification process as requested by the company.

Activation : I received my replacement card ( ending in XXXX ) and activated it on XX/XX/2026. 
Legitimate Usage : Following activation, I made three routine, local purchases at XXXX, XXXX, and XXXX. All three merchants are located in the immediate vicinity of my actual residential address. 
Account Block : Immediately after these local purchases, my account was placed on a " security hold ''. When I contacted customer service, I was told I must wait an additional 2-3 days for a review, despite having already completed the identity verification they are now requesting again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capitol One closed my spark business card because of a request not made by me! I called and verified several times and was informed after completing steps in packet card would be restored however every agent I spoke with including last person said nothing but information that didnt help! I never made late payment and the account is closed still charging interest after stating I dont have to pay! Now I have to pay and its not right

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I have made numerous attempts in XXXX  to get a complete payment ledger from mohela as my employer ( IRS ) is requesting proof that their auto direct payments were received and posted. But to no avail my payments are showing online nor does the representatives see them. I've waited to speak to representatives for hours at a time. Including supervisors XXXX and XXXX. Who have all said that the payments are on their old system database and the info can only be sent by mail... I've received different correspondence from them all containing useless info. My request as simple as it is isn't being heard and handled correctly. This issue is time sensitive. Please help!

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
Crypto.com forced a XXXX withdrawal after their app removed my ability to cancel once a fee was disclosed. 
On XX/XX/year> I attempted to make a small test Bitcoin withdrawal ( XXXX XXXX ). When I was shown a network fee of approximately {$18.00}, I decided not to proceed. 
However, Crypto.coms app provided no Cancel or Exit option. I closed and reopened the app, but the same locked confirmation screen remained. The transaction did not expire. The only possible action was to submit, which forced the withdrawal and charged the fee. 
Crypto.coms complaints officer later admitted there is no confirmation timeout and that cancellation depends entirely on a device back button. That function did not work, meaning the platform removed my ability to revoke consent after fee disclosure. 
Crypto.com issued a final denial and refused reimbursement even though the transaction was executed due to their app failure. 
This constitutes a forced transaction, deceptive UI, and financial harm. I am requesting reimbursement of the {$18.00} fee. 
XXXX XXXX

Company response to consumer: Closed with explanation