vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OK

Complaint narrative:
Dear CFPB, I am writing to formally request an investigation into serious discrepancies involving my XXXX  repayment plan application and loan servicing records. 

I originally submitted a XXXX  repayment plan application on XX/XX/XXXX, while my federal student loans were serviced by XXXX. After consolidating my loans, my servicer changed to MOHELA. However, MOHELA never processed my XXXX  application and instead placed me on a Standard repayment plan that I did not elect. 

As recently as XX/XX/XXXX, my XXXX account continued to show that my XX/XX/XXXX XXXX application was under review. I have screenshots documenting this status. 

Recently, the system changed and now retroactively shows that my XXXX  application was created and processed on XX/XX/XXXX by XXXX. This contradicts prior records and suggests a retroactive status overwrite or data integrity error. At no point was I notified that my application had been processed, denied, or transferred to MOHELA. 

This raises serious concerns that my XXXX application was never properly transmitted during the servicer transfer following consolidation, and that my account history has been inaccurately altered. 

I am requesting the following : 1. A formal investigation into the alteration of my application status history 2. Written confirmation of whether my XXXX application was ever transmitted to MOHELA 3. Retroactive placement into the XXXX repayment plan effective XX/XX/XXXX XXXX. Refund or credit of any excess payments made under the Standard repayment plan 5. Correction of any interest capitalization resulting from this error 6. Written confirmation that my account records have been corrected I am attaching documentation supporting the timeline described above. 

Thank you for your prompt attention to this matter. I look forward to a written response confirming corrective action. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-12 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I attended a timeshare presentation on XX/XX/25. I was told I was signing loan documents for the XXXX timeshare. I was never verbally informed that I was applying for a Barclays credit card, nor explained anything regarding a credit card application only the loan application for the timeshare points. I did not knowingly consent to a revolving credit card application. The application was embedded in digital documents during a high pressure 4+ hour sales session where they would not take no for an answer. I would not have applied for this credit card has it been disclosed. I was not given clear terms and this was opened without clear consent, this was lack of consent and a deceptive sales disclosure.

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 2026-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Asset Management Systems Inc
State: IL

Complaint narrative:
They called me XX/XX/year> to collect a debt that they keep blowing my phone up about, my insurance company said they paid it. On XX/XX/XXXX I told them to put me on the do not call list, they obviously did not listen and I got a call again today from the same company I again told them to put me on the do not call list

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I contacted Hyundai Motor Finance multiple times regarding a {$420.00} ( Approx ) GAP insurance refund that was supposed to be issued in late XX/XX/XXXX due to me refinancing my loan with another bank. I was told a check had been mailed, but I never received it. My mail forwarding has been working correctly, and I have received all other forwarded mail, so I requested confirmation of all my phone calls and notes I have asked the agents to write in my account for reference, the mailing date and a tracking number. Hyundai Motor Finance has not provided any proof of mailing. At the end of XXXX early XXXX, I called again and was told the check would be re-issued and that processing would take up to 15 days. After waiting 16 days with no payment, I contacted them again and was informed the replacement check had never been processed. I requested escalation ( XXXX XXXX  XXXX ) and after no response, a change of agent to one that will answer their phone, written confirmation, and tracking information, but I have not received any follow-up or resolution. When I call, I get rushed off the phone and have been receiving false information since XXXX. As of XX/XX/XXXX, I still have not received the {$420.00} refund or documentation confirming that any payment was issued. I am requesting immediate issuance of the refund and written confirmation with tracking information.

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 2026-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Americas Car-Mart, Inc.
State: TN

Complaint narrative:
I purchased a XXXX from a company called CarMart. This was my third vehicle from them. The first one I paid off. The second one they helped me out with and took it back in because after purchase it spent a month in their shop. In return they put me in the XXXX. The XXXX then started having problems too and I couldn't afford to keep paying them to fix the car I just bought. After a while of trying to contact someone I find out they went into new management. I go to speak with someone there and first talk with a gentleman who has me sign a document of returning the vehicle and at no cost to me since it was directly in line with why they went into new management. A moment later a lady comes in and has me sign something else saying they will take in the car. Over a year later I check my credit report. I see they put a lien on me for {$7000.00}. I contact them and speak with this guy who was extremely rude about everything and said I would need to talk to the collection agency. I asked who it was and he said he couldn't disclose that and they would reach out. It has been sometime since then and I have never been contacted by these people about anything. I am not sure why I am now having to owe them money or this being considered a surrender when I signed off and was specifically told this would not be. I've disputed with my credit bureau and it looks like it keeps getting automatically denied. And still not being contacted after the disputes. I had to look into this and them refusing to notify me and contact me directly is against the Fair Debt Collection Practices Act, 15 USC 1692g since they have made no attempt of notifying me of debt owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
Loans went into repayment without any notice from new unknown servicer after XXXX deferment with XXXX. Contacted new servicer ( Aidvantage ) when XXXX late payments were located on my credit report without my knowledge. Brought accounts current and have paid current since issue was located. Servicer is violating 15 USC XXXXb as they never provided me a statement within the XXXX days as mandated by law. Aidvantage is now refusing to remove the late payments when I had no knowledge of the change in servicer or due bill but have been severely punished by the derogatory marks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
XX/XX/year> - I contacted UWM because my account isn't showing me any information when I log in. They informed me that I was in Active Foreclosure and gave me an Attorney 's information to contact. I called the contact, no response. 

I received a letter from XXXX and XXXX- I have called them several times. XX/XX/year> - the automotive systems says to email XXXX. I emailed them. No response via email. XX/XX/year> - I sent another email to loss mitigation for UWM and to XXXX From my understanding I have a forbearance/Repayment plan, then I received a denial letter, then not account info and told I was in active foreclosure. This has been a complete disaster. The lender and the Foreclosure contact has been no help at all. I have yet to receive any information, the Loss Mitigation/Mortgage Assistance packet, nothing. This is not good for the consumers that pay mortgages and are working hard to save our homes. I can't be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
XXXX Multiple unauthorized transactions from XXXX XXXX with a total of {$790.00} were charged to my Paypal account. I reported these transactions to Paypal, yet they ruled in favor of XXXX XXXX. 

Paypal claims : The transaction in question was sent as part of a billing agreement you ( I ) previously set up with the

merchant. Weve now canceled this agreement and you may need to make new billing arrangements. Billing agreement for a monthly-recurring TV streaming service is not an umbrella authorization for any other transactions that I do not approve or authorize. Additionally, Paypal claims, We ( Paypal ) found that certain transactions were authorized. Which begs the question, why did Paypal pre-approved ALL the transactions? Lastly, Paypal customer support assured me that I have nothing to worry and that this case will be decided in my favor. I am appalled by the unreliability and untrustworthiness of Paypal with the safeguard of my financial assets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
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: CCF Intermediate Holdings LLC
State: OK

Complaint narrative:
I keep getting emails saying if i do not pay XXXX they will turn my information over to law enforcement network of treasury. They will not provide a number for me to call. I've never borrowed this money from the company speedy cash. They say i will have a warrant out for my arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/26 Completed a mobile deposit XX/XX/26 Went into the branch spoke with banker. That stated my funds will be available on the XXXX. The check was a real check. 
XX/XX/26 called customer service to see what was the delay. One agent said it was because I didnt sign the check. Called back again on the same day and thats when they told me my funds will be held until XXXX. 
XX/XX/26 called back was told something different they need to talk to someone who is over the account. I told them that I have been in contact with the administrator that is over the account. 
XX/XX/26 By this day I have called multiple times and getting told something different every time. Now they are stating they need to talk to the attorney that handled the case. They first asked to talk to the person over the account. That individual talked to them over the phone and they told me that was not enough. He even sent me an email stating my check was successfully cashed. The funds were collected. They are giving me the run around XX/XX/26 called them again and the run around still. Most of all I think they are XXXX profiles because Im a XXXX XXXX female. This is not right. They are treating me like Im a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
This is a company appeared on my credit report & I have no idea about who this company is & I do not I owe this debt, there has been previous debt collectors trying to collect the same debt, & have been removed from my credit reportI have no clue of & submitted complaints, I also have been a victim of fraud with police report, so I dont know what's going on, this company I do not owe any debt to, they have been text messaging me a lot of times disturbing my peace about some debt I have no clue to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: CA

Complaint narrative:
This submission is a formal escalation and follow-up to my fourth complaint ( CFPB ID XXXX ). 
Despite four complaints regarding the same servicing conduct, the challenged delinquency advancement practice continues without correction or meaningful explanation. 
On XX/XX/year>, I made a payment of {$250.00}. On XX/XX/year>, the account reflected as current. That payment was later reversed. Following the reversal, the account was advanced to 38 days past due and now reflects {$900.00} as past due internally, along with late charges. 

This development directly reinforces the core issue raised in my prior complaints : The servicer advances delinquency using strict calendar-day calculations, The delinquency counter is accelerated immediately upon internal recalculation, and Subsequent billing cycles appear to be pulled forward and stacked into the past due figure. 
Additionally, there is a material discrepancy between internal servicing figures and credit reporting : Internal system reflects {$900.00} past due, XXXX reflects {$250.00} past due. 
This inconsistency raises concerns regarding accuracy, proportionality, and compliance with fair and accurate reporting standards.

Given this is the fourth complaint concerning the same pattern, the continued application of the challenged servicing logic suggests systemic practice rather than isolated error.

Since filing my complaint, individuals identifying themselves as executive representatives have attempted to contact me by phone. I do not consent to further phone communication. Given the documented history of unresolved servicing concerns and the absence of corrective action despite multiple complaints, engaging in unscripted phone conversations places me at a procedural disadvantage and does not provide an adequate record of communication. Prior outreach has not resulted in meaningful resolution or demonstrated good-faith engagement. All further communication should occur in writing through the CFPB portal to ensure transparency and accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Synchrony 's business model appears to be charging huge interest fees with little or no warning. They are adept at staying under the wire, giving no detail during the cycles and extremely hard to contact about customer service.

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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: NJ

Complaint narrative:
I am filing this formal complaint against Reliant Capital Solutions LLC for unlawful debt collection practices, harassment, unauthorized use of my personal information, and inaccurate credit reporting.

I have no knowledge of the alleged account this company claims to be collecting. I have never entered into any agreement with Reliant Capital Solutions LLC, nor have I provided authorization for them to obtain my personal information or contact me. I do not know how they obtained my phone number or personal data.

Their repeated communications and/or credit reporting activity have become harassment.

To date, Reliant Capital Solutions LLC has failed to provide : A signed contract or agreement bearing my signature Proof of lawful assignment or transfer of the alleged debt Competent evidence establishing ownership or standing to collect Proper validation as required under 15 U.S.C. 1692g Despite this failure, they continue collection efforts and/or report this account as open and active to consumer reporting agencies.

This conduct constitutes violations of : Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f, 1692g ) Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) Reporting unverified information and continuing collection activity without proper validation is deceptive, misleading, and constitutes willful noncompliance with federal law.

CEASE AND DESIST NOTICE Pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that Reliant Capital Solutions LLC immediately CEASE AND DESIST all communication and collection activity regarding this alleged account. This includes : Telephone calls Text messages Emails Letters Reporting or updating information with any credit reporting agency Any continued contact or reporting after receipt of this notice will constitute additional violations.

I formally demand : 1. Immediate deletion of this account from all consumer reporting agencies. 
2. Immediate cessation of all collection activity.

3. Written confirmation of permanent deletion.

4. Full documentation proving lawful ownership and validation of the alleged debt, if they intend to continue collection.

5. Compensation for statutory damages of up to {$1000.00} per FDCPA violation and damages under the FCRA for willful noncompliance, including actual and punitive damages as permitted by law.

6. Regulatory review and assessment of civil penalties and fines for unlawful collection practices and misuse of consumer information. 

Their continued harassment and reporting of unverified information is causing financial harm and distress. I reserve all rights to pursue civil remedies under federal and applicable state law. 

I request a formal written response and immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
TSI/XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research TSI/XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: DISCOVER BANK
State: MA

Complaint narrative:
I obviously misunderstood what Discover meant by the offer of a Secured card. The way I understood the offer, was they would match the amount of my deposit. Which I found out is not the case. Discover debited my checking account for {$200.00} on XX/XX/year>. I am XXXX XXXX XXXX, and live on a limited income alone. I do not want this card, and would like my funds back. I called and spoke with a XXXX who informed me it could take a month. They were quick to debit my account, however I have to wait that long for my money? I did misunderstand their terms. However, I don't need my funds sitting in their account, I need them in mine, and soon. Please help. Cordially, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Loan # XXXX XXXX XXXX XXXX Payment Information Request- Date : XXXX Attention : Mr. CooperXXXXXXXX XXXX Executives and employees, This Is A Written Request, A QUALIFIED WRITTEN REQUEST ( QWR ) regarding my new home insurance policy and final notice of homeowner insurance payment to XXXX XXXX  ; showing payment was made on XXXX on my account. 

XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Policyholder # XXXX This is new Homeowner Insurance Policy : XXXX XXXX  XXXX XXXX Active Date : XXXX to XXXX. 

1. Please confirm when payment was made to XXXX XXXX XXXX 2. Please confirm the date of payment to XXXX XXXX XXXX. 
3. Please confirm if there are any notice of outstanding balance due for this Policyholder 4. Please confirm the address of payment to XXXX XXXX XXXX. 
5. Please confirm how the payment was sent ; COD or by Mail ect. 
6. Please confirm if changes were made for XXXX XXXX XXXX Policyholder 7. Please confirm Department and employee that sent this payment for tracking purposes. 


* * Previous Home Insurance Policy was with XXXX XXXX XXXX XX/XX/year> to XXXX. 

Thank You, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas. XXXX email : XXXX XXXX : Texas Department of Insurance ( TDI ) Consumer Financial Protection Bureau ( CFPB ) United States Department of Justice ( DOJ ) Federal Housing Administration ( FHA/HUD ) United States Attorney General United States Federal Bankruptcy Courts United States Disability Administration Federal Bureau of Investigation ( FBI )

Company response to consumer: Closed with explanation