vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding the unexpected closure of my SoFi checking account by SoFi Bank, N.A. My SoFi checking account ( Account Number : XXXX ) and my associated investment account ( Account Number : XXXX ) were closed without any prior notice or explanation. I was informed that the accounts had been closed, but no specific reason was provided for this action. The lack of transparency surrounding this decision is concerning. As a customer, I believe I am entitled to clear communication regarding actions taken on my accounts, especially when those actions involve terminating a banking relationship. Closing a consumers account without providing any explanation creates unnecessary hardship and uncertainty, particularly regarding access to funds and the ability to maintain normal financial activities. At no time prior to the closure was I notified of any violations of account terms, suspicious activity, or issues requiring resolution. The sudden closure without explanation has left me without clarity regarding what led to this decision. Impact : This situation has caused inconvenience and concern regarding my banking history and financial standing. Additionally, the lack of explanation prevents me from understanding whether this issue could affect my ability to maintain banking relationships in the future. Requested Resolution : I respectfully request that SoFi Bank provide : A clear written explanation for the reason my checking account and associated accounts were closed. Confirmation that all remaining funds associated with my accounts, including Checking Account Number XXXX and Investment Account Number XXXX, have been properly returned or made available. Documentation stating whether the closure was related to any alleged policy violation, compliance issue, or risk determination. Assurance that this account closure will not negatively impact my ability to open accounts with other financial institutions. I request that SoFi Bank respond with transparency and provide the specific reasoning behind this action so that I may fully understand the situation and ensure my financial record remains accurate. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CO

Complaint narrative:
I have been unduly harassed by the debt buyer and collector Jefferson Capital Systems beginning in XXXX of XXXX and continuing up until present. I have received communication via email and mail in excess of simple communication and instead in the frequency of harassment. These communications do not always but have often been drafted to instill guilt and fear for the damage their negative reporting would take on my credit report which it has, for many many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XX/XX/XXXX Synchrony Bank Dispute Department XXXX. XXXX XXXX XXXX, PA XXXX To Whom It May Concern, I am writing to formally dispute an erroneous balance that has been applied to my closed PayPal Mastercard account ending in XXXX. This account was paid in full by XXXX XXXX XXXX on XX/XX/XXXX, and subsequently closed in XX/XX/XXXX. Attached is documentation showing that the payment was mailed, delivered, received, and fully processed by Synchrony Bank at that time. As such, this account should reflect a XXXX balance and remain closed. However, Synchrony Bank has erroneously applied a balance of {$1200.00} back onto this closed account. This action is incorrect and has resulted in a balance appearing on an account that was already paid in full and closed. Any balance currently reflected on this account is inaccurate and the result of an internal error. I formally disputed this error on XX/XX/XXXX. I am requesting that Synchrony Bank immediately reverse this erroneous {$1200.00} entry in its entirety and correct your records to reflect that the account was paid in full and properly closed as of XX/XX/XXXX. Please provide written confirmation once this error has been corrected and the account reflects a XXXX balance with no outstanding obligation. Additionally, confirm that this error has not been and will not be reported to any credit reporting agencies. If any incorrect reporting has occurred, I expect it to be corrected promptly. Thank you for your prompt attention to this matter. I expect this issue to be resolved without further delay. Sincerely, XXXX XXXX Account ending in 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 2026-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XXXX the conveyance was assigned into trust, so on XX/XX/XXXX the trust filed a ucc-1 to secure equitable title. In addition, reached out to Honda XXXX XXXX via certified mail, with tenders of payment to satisfy the obligation in full, emails and follow up mailing. Approximately XX/XX/XXXX the trust initiated a declaratory judgment for equitable relief, called honda XXXX XXXX and spoke to and email my intentions. I've documentary proof they're in receipt via employee signature, they're not applying the tender, ignored the Tenders and communications, then stole the vehicle with other Trust property enclosed, {$5000.00}, a safe, inventory, clothing, XXXX items, and they are now sending letters saying the assignment is unauthorized and using intimidation tactics for the trust to release equitable claim. These are unfair deception practicing, interference with private trust ministry trust property, and unjust enrichment practices creating an imbalance so the trust position is hindered. I've proof of them signing the green card being in receipt of the tenders these are the tracking numbers:XXXX ; XXXX, delivery date XXXX XXXX XX/XX/XXXX and the XXXX first class usps mail and numerous emails. This is a pattern that honda XXXX XXXX has been practicing. They repossessed the auto and are now sending letters saying this agreement is breached. Honda XXXX XXXX has been on receipt of the Trust communication, failed to adhere, so when the recall instrument that says to update the new owner, the Trust Name and email was placed inside the envelope and sent back to Honda XXXX XXXX, they received it XX/XX/XXXX and the XXXX breached the peace, taking the vehicle. They've been placed on notice numerous of times and failed to apply the tenders and proceeding with unclean hands

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Deinde Online Services, LLC
State: UT

Complaint narrative:
I took out a personal line of credit of XXXX $ from XXXX. The interest rates are insane, and I have been paying biweekly payments of XXXX $ but the amount on the principal balance will not go down whatsoever. I tried contacting them after paying XXXX $ to see if we can make the settlement. The agents were very adamant that they would not like to make any settlements since there are none available on my account, and that I need to deal with paying biweekly for XXXX years. I requested the supervisor, and the supervisor said okay, we will settle for XXXX XXXX but originallyIi should only owe XXXX XXXX I said I can make the XXXX $ my principal balance and call itgood, but she kept saying no. She told me she will contact her supervisor and call me the next day. The XXXX day, the supervisor calls me and says we can make the settlement of XXXX $ onl, y but the previous supervisosaidld it could be done for XXXX XXXX She kept saying no, she did not, t anI i requested to go listen to the call, and she even put the notes which she read on the phon, XXXX but still she said, XXXX o we will only settle for XXXX is this fair to me when I should only owe XXXX $ but they said no, thentoldg me to pay XXXX XXXX and then the next day want me to pay more. How can we have such companies making people suffer when all they want to do is settle the amount they took out?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My Chase account was closed on XX/XX/year>. In the response provided through the Consumer Financial Protection Bureau, Chase stated that two checks were sent to the address on file for the remaining balance : one for {$53.00} and another for {$13000.00}. However, I have not received these checks yet. I kindly request Chase to confirm the exact date the checks were mailed, whether they were sent to the address on file, and to provide the tracking number and carrier details if the checks were sent through a courier service. If the checks were lost or not delivered, I request that the original checks be voided and new checks be reissued immediately. It has already been several months since the account closure, and I would appreciate your assistance in resolving this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rosenberg & Associates Recovery Services
State: MN

Complaint narrative:
Received a call from a local number ( on a Friday ) and the message was that i had a case filed against me and they left a XXXX number and that paperwork was being prepared to be sent out and if I am not available to sign for the delivery and they are not able to reach me that they would contact my workplace and family members. I called the XXXX number back and it rang and rang and then eventually a man answered claiming he was part of a legal team from Rosenberg and Associates . Claimed that I have an unpaid credit card debt from 2012. He did confirm the last 4 of my SSN, which makes it sound legit. The man stated I could pay a settlement amount which would show as a release of liability. I told the man that I need to do more research and asked what my time frame is and he said I had to call back on Monday with my decision.I called back a little later to ask more questions about the firm, such as their mailing address and direct phone number. Was told he was on a call with his boss and didnt have time to give me that information. I told him i would hold until he was done. Waited about 10 minutes and eventually hung up. After googling Rosenberg, I found that this is most likely a scam.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-03-06 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: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: AL

Complaint narrative:
Loan XXXX I have been trying to resolve this for months. I called toll free number kept getting local long originator who could not provide answers I was directed to automated system and kept saying my loan number and social security number wrong. I login online and sent a detail request to have my pmi removed. Never got an answer. I am requesting my pmi be removed. I put more than 5 % down and home is appraised for {$60000.00} more. So I should qualify for removal. Based on past experience I am concerned that cross county mtge will deny my request due to retaliation for filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has prevented me from redeeming cashback rewards earned under my credit card agreement. I chose this card for a {$970.00} purchase specifically so I could receive the cashback. Capital One has restricted my account twice within the past month. They have not provided a reason for either restriction. During the previous restriction, Capital One requested identity verification documents, which I provided. If Capital One can continuously restrict an account for reasons which have already been resolved, they can keep requesting the same documents, and prevent a customer from exercising rights under the cardholder agreement at will. My concern is that Capital One offers no path to permanent resolution. I may submit the documents, but re : their agents : it may happen " again and again. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: RI

Complaint narrative:
According to XXXX, my IBR plan is capped and my monthly payment will never be more than the 10-year Standard Repayment Plan amount . I have contacted Mohela multiple times over the last four months trying to find out what the XXXX amount of my payment cap is. I messaged them on XX/XX/XXXX and XX/XX/XXXX and received form responses telling me my current monthly payment amount and directing me to the " Loan Simulator ''. I called on XX/XX/XXXX, and the representative I spoke to told me that there was no payment cap on IBR. I called again on XX/XX/XXXX, and I spoke to a different representative who coordinated with the accounting team and was able to give me a XXXX figure. I asked for the number in writing, and he said he would put in a request and I would receive a letter in 3 to 5 business days. I never received the letter, so I called again today, XX/XX/XXXX, and spoke to someone who again at first was not aware of the payment cap. After I directed her to XXXX she consulted her supervisor and confirmed the XXXX figure from XX/XX/XXXX, but said Mohela would not be able to provide documentation in writing. I am concerned about Mohela 's lack of transparency and that without documentation of the payment cap, I would have no recourse if my monthly payment increases above it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The lender who originated this mortgage has approved and dispersed the funds for this. Documents such as right ti cancel signature We are disputing ever signing these documents. Also the number of redacted documents received from Wells Fargo are in dispute but Wells Fargo has claimed they are legit.The legitimacy of this refi remains in dispute by Maryland TILA regulation Z. We have overpaid this property by {$65000.00}

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 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding MOHELAs handling of my federal student loan buyback application, which has been pending for nearly one year without resolution. I submitted my buyback application on XX/XX/2025, and it has now been approximately 12 months with no final determination, clear communication, or actionable update. During this time, I have made multiple attempts to obtain information from MOHELA. Despite these efforts, I have received inconsistent information and no definitive timeline for processing. This prolonged delay has created significant financial uncertainty for me. Specifically : I am unable to move forward with repayment planning due to the unresolved buyback status. Interest continues to accrue while my application remains pending. I have not been provided with clear written confirmation of the status, required documentation ( if any ), or expected resolution date. I am requesting the CFPBs assistance in obtaining : A clear written explanation from MOHELA regarding the current status of my buyback application. A firm and reasonable timeline for resolution. Confirmation that my account will not be negatively impacted due to administrative delays outside of my control. I believe a 12 month delay for processing a student loan buyback request is unreasonable and warrants regulatory review. I respectfully ask that the CFPB investigate this matter and help facilitate a timely resolution. I am prepared to provide supporting documentation, including copies of correspondence and call logs, upon request. Thank you for your attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
My FHA mortgage payment was approximately {$970.00}, and around XX/XX/year> it increased to approximately {$1000.00} without any clear written notice or supporting documentation explaining the change, such as an escrow analysis, annual escrow statement, shortage notice, or deficiency notice. After this unexplained increase, my account began showing partial payments, suspense or unapplied funds, late fees, and delinquency reporting starting around XX/XX/year>. I dispute whether the company properly communicated the new payment amount, properly applied my payments, and properly assessed late charges and negative reporting. I believe any reported delinquency may have resulted from servicing errors. I have requested in writing the account statements, payment history, escrow records, late fee history, internal notes, call logs, and documentation supporting any negative reporting. I respectfully request a full investigation, a written response with supporting documents, and correction of any inaccurate charges or negative reporting as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Deposited a check to citizens bank on XXXX they put the check on hold for XXXX business days saying the system flagged it. check still on hold as of XXXX and told will be on hold until XXXX. Called person who wrote check to have them cancel it. They tried but their bank already gave the funds to my bank. My bank won't give me the funds, cancel the transaction or return funds to other bank. You can not talk to anyone at citizens bank that can do anything. Everything is run by a computer that no one has access to, that's what I've been told!

Company response to consumer: Closed with explanation