vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
My mother and I are co-borrowers on an FHA loan. We took out this FHA Mortgage in XX/XX/XXXX with XXXX to purchase our home. A year went by, we made XXXX payments, then performed a cash-out refinance with Mr. Cooper ( now Rocket Mortgage ) in XX/XX/XXXX. We made XXXX payments, then, hardship struck. I lost my job, thus experienced a significant reduction in income. Expenses went up ( I started school again, my car died and I had to lease a new vehicle adding a monthly payment ) and we could not longer afford the monthly mortgage payment. We went into Forbearance until I could find another job. I found another job in XX/XX/XXXX which was higher paying. I then requested to come out of forbearance and apply for loss mitigation options. After being given the roundabout by several customer service representatives, I got denied for any assistance in XX/XX/XXXX. They originally stated it was due to my application being deemed " incomplete '' when I had received a letter from them that they had everything they needed. So, I applied a second time in XX/XX/XXXX. I was then denied again because I did not make the minimum number of monthly payments ( they cited XXXX ) that is required to be evaluated for the FHA Loss Mitigation Waterfall options. I hired an attorney and performed extensive research ( analyzing the RESPA Regulation X and HUD Handbook 4000.1 ). My attorney put together a very comprehensive and extensive application. This was denied a third time in XX/XX/XXXX. The reason being I have not made the minimum number of monthly payments ( XXXX ) on the mortgage. This goes completely against the HUD Handbook Rule which states " As long as it is the same property and same borrowers, a streamline or refinanced mortgage on a property does not count as a new mortgage for seasoning requirements. '' I have the life of loan payment ledger from my previous Mortgage servicer to show this. They are completely and willfully violating the HUD Handbook and refuse to comply. I know have to file a Chapter XXXX Bankruptcy to solve this when I XXXX % am eligible for an FHA Partial Claim and Payment Supplement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I have a {$300.00} credit limit and was charged a XXXX XXXX yearly fee. I was never notified. If it was sent by mail, it was never received ( not my fault ). My last charge was on XX/XX/XXXX. On my statement they list the year fee as XXXX. I have NOT made any charges on the new year, today is XX/XX/XXXX. AGAIN, my last charge was on XX/XX/XXXX. The balance was paid. I called to cancel my card and have the fee reversed and they say they cant company policy because I used my card, Yes, the prior year which runs from XX/XX/XXXX through XX/XX/XXXX. My LAST charge was on XX/XX/XXXX. This is fraud. I have NOT used the card in the new year. Today is only XX/XX/XXXX. I was told he couldnt explain to me why I couldnt have the fee reversed even though there have been no new charges just that is company policy. I asked if there was anyone I could talk to, again, I was told no. Their customer service is horrible and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint against PayPal regarding restricted access to my funds and inconsistent information from customer support. On or around [ insert date ], I updated my account information, including my phone number. After this, my account access was limited, and I was told I needed to wait 48 hours for the issue to be resolved. I fully complied and waited the required time. After the 48-hour period passed, I contacted PayPal again and was then told I must wait until XX/XX/XXXX to access my funds due to the account changes. This extended delay was not clearly explained beforehand, and I am receiving inconsistent answers from different representatives. This situation is causing financial hardship, as I am unable to access my own money. I have verified my identity and followed all instructions given by PayPal, yet I am still being denied access without a clear or reasonable explanation. I am requesting : 1. Immediate clarification of why my funds are being held 2. Confirmation that my funds are safe and not at risk 3. Expedited release of my funds if all verification requirements have been met If the hold can not be removed, I am requesting formal documentation explaining the reason for the restriction and the exact release date. I believe this situation reflects poor communication and unfair delay in access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I am writing to formally request a review of a fraudulent transaction conducted through XXXX XXXX involving an impersonation and social-engineering scam. I was contacted by an individual posing as a legitimate customer support representative regarding alleged suspicious activity involving my XXXX account. During the interaction, I was instructed to share my XXXX screen and was guided through a XXXX XXXX transaction under the false representation that the transfer was necessary to secure my account and resolve fraudulent activity. At the time of the transaction, I reasonably believed I was communicating with a legitimate support representative acting in a protective capacity. I later discovered that the individual was operating under a false identity using fraudulent contact information. I reported the incident immediately after realizing I had been deceived. The transaction remained pending for several days, and I contacted both XXXX XXXX and my financial institution during that period in an attempt to stop or reverse the transfer. My claim number with Citizens Bank is XXXX. A police report was filed regarding the incident. The responding officer subsequently confirmed through investigation that the name, phone number, and associated address used by the individual were fraudulent and not traceable to a legitimate person or residence. This incident was not a normal voluntary payment or consumer dispute. It involved impersonation, deception, and real-time manipulation through screen sharing by an individual falsely presenting himself as customer support personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
I asked for verification from XXXX associates for a collection in the amount of {$3600.00} and XXXX XXXX to verify on XX/XX/XXXX and XX/XX/XXXX, I sent in all documents verifying myself and my address and still havent received a response from anyone and this was sent certified mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
I was getting gas and WHILE I WAS AT THE GAS STATION my card got slammed with multiple charges from a location XXXX miles down the street. The charges were moments apart and I could not have physically driven XXXX miles during XXXX o clock traffic in XXXX minutes. I proved this to my bank and not only did they take over a month to respond, but they denied it, stating that there were no fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Newman, Hesse & Associates, P. A.
State: TX

Complaint narrative:
Hi, A law firm representing an alleged creditor obtained and is enforcing a Kansas garnishment order against my wages while I reside and work in Texas. The alleged debt originates in Kansas small claims judgement, entered approximately in XXXX. The collection firm sent garnishment paperwork directly to my employer, resulting in wage withholding activity despite Texas wage garnishment protections for consumer debts. This happened both in XXXX and XXXX. Documentation has not been provided by the law firm for the previous garnishments. After learning of the garnishment, I contacted the law firm in writing requesting : verification of the judgement accounting documentation garnishment documentation and clarification regarding whether the judgement has been domesticated in Texas. The law firm responded by providing copies of of the judgement, renewal affidavits, accounting records and and garnishment documents for the current employer but not the previous one. However the firm stated that the enforcement was based on my employers registration as a foreign corporation in KS rather than identifying a Texas domestication proceeding. All payroll is processed here in TX, as well I reside in TX and am employed in TX. I dispute the enforceability of the garnishment against Tx wages and am concerned the collection activity may violate consumer protection laws and TX wage exemption protections. I have preserved written communication and documentation regarding the matter and am seeking review of whether the collection and garnishment practices used were lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
An Executive Office Manager ( XXXX ) at Wells Fargo spoke with me and stated he is 'only taking a message ' and can not act until the internal Claims Department replies, using internal bank delays to bypass federal Regulation E protections despite having physical proof of device malware.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Re : Complaint and Request for Debt Validation To Whom It May Concern, I am filing this complaint against Spring Oaks Capital LLC regarding an alleged debt they claim I owe. I requested validation of this debt, but the company has failed to provide sufficient proof that the debt is accurate, valid, or legally collectible. The collection agency continues attempting to collect and/or report this account to the credit bureaus without properly validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the following : Complete validation of the alleged debt. Proof that I legally owe the debt Documentation showing the original creditor and amount owed. Copies of any signed agreements or contracts. Verification that the collection agency has authority to collect this debt. Removal of inaccurate or unverifiable information from my credit reports. This alleged account has caused harm to my credit profile and financial standing. Until proper validation is provided, I request that all collection activity and credit reporting cease immediately. I ask the CFPB to investigate this matter and ensure compliance with federal consumer protection laws. Thank you for your time and assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX I got a check deposited in trust bank account. Over the course of XXXX years Ive been getting monthly statements in the mail but have not gotten access to the account or funds

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 non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Idaho Housing And Finance Association
State: ID

Complaint narrative:
HomeLoanServe is my servicer and they are refusing to evaluate me for a loan modification due to their own XXXX delay in calculating legal fees. They are stating they dont have time to calculate legal fees to evaluate my loan modification. I make enough money to make my payments, I have the money to make payment today, and want/need to stay in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
I have called ( XXXX ) XXXX adn sent letters asking for proof of ownership. I ahve never heard of this comany. I was informed that this was a laon for school when I applied for financial aid for my daughter. I have absolutly no knowldege of this comapny. They are unwilling to assist me in providing information or removeing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Called creditor and the info of the debt is fraudulent CREDENCE RESOURCE MANAGE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$930.00} past due as of XX/XX/year>. Status updated XX/XX/year> Balance {$930.00} Balance updated XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: MD

Complaint narrative:
I started to get withdrawal from bank account for payments, contacted bank got a refund as I did not make the purchases, Klarna says i made the purchases after reviewing the claim. I don't even know what they are for and they are seperate charges in a short window of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
i RECIEVED THE SAME PACKE FROM YOU AND THE CREDITOR. i ASKED FOR PROOF THAT IT WAS ME. I ALSO MAILED IN PROOF OF IDENTITY FRAUD. THIS WAS NOT DONE BY ME AND I NEED IT REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
i disputed unauthorized charges with documents showing paypal i submitted documents stating i cant be in two places at once as well as documents providing different proof of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: AL

Complaint narrative:
I have an issue with the amount of interest that is being charged. On XX/XX/26 I went on the app to make a payment. It had a payoff amount for {$2500.00}. So I paid {$1000.00} almost half of that payment went directly to interest although I was current on the account. Then on XX/XX/26 I went back online to make a payment. My payoff amount stated it is now back close to {$2000.00}. I paid {$150.00} over half of that payment went to interest again. Now I have a payment of {$150.00} set to be posted on XX/XX/26 and my payout amount is {$1700.00}. My issue is that this has to be illegal. Because how in XXXX my payout was {$2500.00} and I paid {$1000.00} ( mind you my account was current for the month ). and I still owe almost {$2000.00}. This is ridiculous. I contacted the office and advised them of them and let them know something is completely wrong yet they kept claiming that is correct and that I still have over a year to pay this account off. This need to be looked into bcx it is something obviously not right about this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I am submitting a complaint regarding the servicing of my federal student loan account by Aidvantage. About XXXX year ago, I experienced a period of financial hardship that made my monthly payments unaffordable, resulting in several months of delinquency. I am requesting a review of my account to determine whether a retroactive administrative forbearance or other hardship-based adjustment should have been applied during that time. I have contacted the servicer directly to request consideration of a retroactive hardship forbearance for the delinquent period. I was informed that they are unable to remove or adjust credit reporting unless there was a servicing error. My concern is not a request for goodwill deletion of accurate reporting, but rather a request for a review of whether my account status during that period was correctly managed given my financial hardship and whether a retroactive administrative forbearance or similar relief is appropriate. If the account status were updated to reflect an approved retroactive forbearance for the hardship period, I understand that the credit reporting would then update accordingly based on the corrected account history. I am requesting that Aidvantage conduct a formal review of my account for eligibility for retroactive hardship-based forbearance or any applicable corrective servicing action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
The point-of-sale travel transaction was originated within an airline checkout terminal under prominent marketing representations guaranteeing " no impact to your credit score, '' misleading reasonable consumers into believing the flexible installment structure operated completely outside the consumer reporting ecosystem. The official transaction receipt proves the payment was executed via a corporate " UATP '' card for {$1100.00} USD. The lender deliberately masked a consumer finance loan ( Buy Now, Pay Later Loan ) behind a virtual corporate charge card ( UATP ), failing to conspicuously disclose that a minor travel booking would trigger a score-damaging subprime Consumer Finance Account ( CFA ) status flag on my consumer files. Furthermore, according to the official federal Truth in Lending Act ( TILA ) Disclosure Statement issued for this loan, under the mandatory " Late Charge '' disclosures, it explicitly dictates : " If a payment is late, you will not be charged a fee or penalty. Additional interest will accrue. '' Credit bureau delinquency reporting is legally a severe consumer penalty. The lender can not contractually guarantee a XXXX-penalty structure on a federal TILA disclosure, and subsequently weaponize the credit reporting process with damaging late marks that directly contradict their own statutory disclosures. Finally, following the origination of this flight ticket, the account administration was subjected to confusing corporate name shifts, entity variations, and interface platform migrations from the originating entity and " FlexPay '' or " Affirm '' over to " Upgrade. '' This opaque backend transition completely obscured access to clear billing history, statement cycles, and account tracking, making it impossible to determine the true reporting entity. Forcing a platform shift that disrupts a consumer 's ability to seamlessly service a debt violates federal UDAAP standards.

Company response to consumer: Closed with explanation