vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 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: CT

Complaint narrative:
I am filing this complaint regarding MOHELAs servicing of my federal student loans. This complaint involves an inaccurately removed paid ahead status, resulting delinquency reporting, negative credit impact, inconsistent servicing information, and failure to properly correct acknowledged servicing errors. 1. Documented Paid-Ahead Status A MOHELA billing statement dated XX/XX/XXXX confirmed my account was in Paid Ahead Status, reflecting that no payment was due until XX/XX/XXXX. This status reflected the application of substantial prior payments credited toward future installments. 2. Payment History Between XX/XX/XXXX and XX/XX/XXXX, I made the following payments : - XX/XX/XXXX {$60000.00} and {$10000.00} - XX/XX/XXXX {$4000.00} - XX/XX/XXXX {$3000.00} - XX/XX/XXXX {$6000.00} - XX/XX/XXXX {$10000.00} - XX/XX/XXXX {$10000.00} - XX/XX/XXXX {$10000.00} Additional payments totaling approximately {$370.00} were made following servicing adjustments after my paid-ahead status was altered. 3. Servicing Error and Delinquency Impact In XXXX, MOHELA removed or altered my paid-ahead status without written notice or explanation. As a result, my account was reported as delinquent for approximately three months ( believed to be XXXX ), which negatively impacted my credit report. This delinquency appears to have resulted directly from servicing changes and/or reallocation of previously applied payments that originally supported my paid-ahead status. 4. Ombudsman Acknowledgment of Error On XX/XX/XXXX, a MOHELA ombudsman specialist informed me that my paid ahead status had been improperly removed. I was advised that my account would be retroactively amended and that my paid ahead status would be reapplied. Despite this representation, I have not received a finalized correction, written confirmation of the adjustment, or an updated account record reflecting this correction. 5. Lack of Documentation and Transparency MOHELA has not provided : - A complete payment application history - A timeline showing when and why my paid-ahead status changed - Written notice of delinquency reporting prior to credit impact - An audit trail or servicing notes explaining account adjustments - A finalized written confirmation of corrective action promised by the ombudsman 6. IDR Context My Income-Driven Repayment ( IDR ) plan was not scheduled for renewal until XXXX, and there was no repayment plan change that would reasonably explain the removal of my paid-ahead status or the creation of a delinquency period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
I am the payable on death ( POD ) beneficiary on my late mother 's Savings and CD Accounts with Barclays. I first contacted Barclays on XXXX XXXX XXXX via phone call, and submitted the requested documentation ( death certificate and my photo ID ) via email as instructed by the customer service representative I spoke with. I did not receive any email response from Barclays after sending the documentation confirming receipt of the documents. Being concerned about this, I called back to verify the email address given to me ( XXXX ) which I was assured was correct. Since that time, I have contacted Barclays multiple additional times for updates ( XXXX XXXX XXXX ). During each interaction, I was told the matter had been escalated, and I was informed that a manager or supervisor would contact me. No return calls or emails have been received, and I have not been given a meaningful update or explanation for the delay. When I asked for the complaint department, I was told that they did not have one and that I'd have to send a letter. The repeated delays and lack of communication have made it difficult to resolve this matter. I was given two reference numbers for my tickets. The original ticket reference # is XXXX and an additional ticket to have a manager/supervisor contact me was opened with # 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 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.

Complaint narrative:
Google Payment Corp has permitted ongoing, unauthorized recurring charges on my XXXX ending in XXXX via my digital wallet token. The merchant, XXXX, executed XXXX unauthorized charges of {$20.00} USD each on the following dates in 2026 : XX/XX/XXXX ( {$20.00} / Auth Code : XXXX ), XX/XX/XXXX ( {$20.00} ), XX/XX/XXXX ( {$20.00} ), and XX/XX/XXXX ( {$20.00} ). Google 's own Payments Center records under Order ID XXXX prove that this XXXX XXXX subscription was officially canceled and fully refunded. Furthermore, XXXX XXXX has confirmed in writing ( Case # XXXX ) that there are absolutely no active subscriptions or active billing invoices on record under my account. Despite these facts, Googles payment gateway has allowed XXXX to directly exploit and bill the digital wallet token ( Wallet Card ID : XXXX ) linked to my account, bypassing my explicit cancellation. Google Support ( Case ID : XXXX ) has completely refused to address this critical PCI-DSS compliance failure or reverse these fraudulent transactions. I am requesting an immediate investigation into this unauthorized data/token leak and a full manual refund of the {$80.00} USD. ADDITIONAL EVIDENCE OF NEGLIGENCE AND EVASION : The original subscription was executed EXCLUSIVELY through the Google XXXX XXXX on a single account. These XXXX unauthorized direct charges started immediately AFTER Google processed the initial refund, proving a direct technical vulnerability and data leak within Google 's gateway. Both Google and XXXX are engaging in deliberate stalling tactics to evade liability. Google Support continues to request irrelevant information to waste time, ignoring the fact that the charges are bypass-billing my card directly via their system. Furthermore, XXXX initially admitted in writing that these unauthorized charges exist and promised a refund, but after multiple email exchanges, they stopped responding entirely. I have attached the screenshot of XXXX 's initial email admission. This is a coordinated failure to secure consumer financial data.

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 — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
I am filing a formal complaint regarding a debt that is being collected by IQ XXXX XXXX, which originated from a residential lease with XXXX XXXX. This debt is being improperly and unfairly attributed solely to me, despite the lease being a multi-tenant agreement involving multiple individuals. I am disputing the validity and accuracy of the full balance being assigned to me for the following reasons : The lease included multiple tenants, and I am not solely responsible for the total debt I vacated the property and made efforts to fulfill my portion of the lease obligations Any remaining balance and alleged damages involve other tenant ( s ) and circumstances outside of my control The collection agency has refused to acknowledge or pursue other responsible parties and is attempting to collect the full amount from me alone I have attempted to resolve this matter directly with the collection agency by disputing the debt and requesting validation. However : They have not provided sufficient documentation proving I am individually responsible for the full balance They have refused to consider reasonable resolution options They have stated that I must pay the full amount due to another tenant being unresponsive This is not a valid or lawful basis to assign full liability to me. I am requesting that the company : Provide full and complete validation of the debt, including : A copy of the original lease agreement A list of all tenants and their responsibilities An itemized breakdown of all charges Documentation of damages and move-out inspections Proof that I am individually responsible for the full balance Correct any inaccurate reporting to credit bureaus to reflect that : The debt is disputed Liability is shared and not solely mine Cease collection efforts until proper validation is provided This situation has caused significant financial and emotional hardship, as I am being pursued for a debt that does not accurately reflect my individual responsibility. I am seeking a fair and lawful resolution to this matter. I can provide supporting documentation, if necessary, but the company should already have records to validate their claims and demonstrate how this debt is being attributed solely to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly handled debt collection and credit reporting activity associated with an alleged XXXX XXXX XXXX account currently being reported by Credence Resource Management with both XXXX and XXXX. This alleged debt was previously disputed. During the dispute process, I attempted to send certified correspondence and validation requests to the collector using the mailing information provided. However, the correspondence was returned as undeliverable, preventing me from properly validating the alleged debt or communicating with the collector regarding the account. Despite the inability to complete proper validation procedures, the account continues to be reported and/or collected upon. In addition, XXXX XXXX XXXX previously attempted to collect on the same alleged debt and continues contacting me through calls and text messages, while Credence Resource Management is now reporting the account to the credit bureaus. This raises serious concerns regarding the chain of assignment, ownership verification, furnishing accuracy, and compliance with federal credit reporting and debt collection requirements. The disputed collection account is currently reporting with both XXXX and XXXX and is materially harming an active mortgage application and pending home financing process. The inaccurate and unresolved reporting has negatively affected my mortgage credit scores and financing eligibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I was using Current for direct deposit through my employer. Due to a XXXX situation involving an ex-partner, my phone was stolen and broken, which caused me to lose access to my account for a period of time. During this time, my employer was unable to immediately change my direct deposit information, so my paychecks continued being deposited into the account. I did not make any purchases or authorize the transactions that occurred on the account. As a result, I lost a significant amount of money totaling {$1600.00}. I have filed multiple police reports regarding the situation and submitted them to Current as requested. Despite providing documentation and contacting Current multiple times, my disputes were denied. Throughout this process, I have experienced difficulty receiving proper assistance or clear explanations regarding the investigation. When I requested information about how the investigation was conducted and the evidence used to deny my claims, I was not provided with sufficient information that appears to comply with Regulation E requirements for unauthorized electronic transactions. This situation has caused me significant financial hardship, stress, and frustration. I am requesting that my case be properly reviewed, that the unauthorized transactions be investigated thoroughly, and that my funds be reimbursed. I no longer feel comfortable banking with Current due to the handling of this matter and would like this issue resolved as soon as possible.

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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
False collection attempts and inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
XXXX Rocket Mortgage merged with XXXX XXXX and my escrow has changed completely. I have called numerous times and nothing has been changed. Emails have been sent with no response after the typical auto response that they have received the email. I have been paying on a separate parcel since the beginning of purchasing my home. Rocket Mortgage decided to roll this in on my house payment for the extra escrow. I still pay this parcel on my own and would prefer to keep it that way. I will include records showing that I pay my own taxes on that parcel, previous escrow analysis and privacy notice stating nothing will change after the merger.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Subject : Permanent Account Deactivation of XXXX Veteran Merchant Account Without Justification Complaint Details : My merchant account was opened in XXXX ( estimated, as there is no profile record ). Before that I was general user since XXXX. Over the last XXXX XXXX, I have successfully processed over XXXX invoices with a perfect track record and zero history of fraud or active payment disputes. On XX/XX/XXXX, PayPal generated an automated notification stating my account was permanently deactivated for " unusual activity '' without citing any specific policy violation or conducting a human review. Today, on XX/XX/XXXX, I attempted to resolve the issue and was locked in a technical " verification profile update '' loop while trying to access the invoice system. I can not invoice customers, download invoices, or even save a XXXX of the invoice. I tried to reach support via AI chat, and received no response over an extended period of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Using my XXXX business account, attempted to accept client payment, declined and account frozen/locked. Not information from XXXX as to to the issue, told " they don't disclose '' what their security department does, and that I should get bent.

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 making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX bill pay paper payment made from my Capital One account to myself for {$5200.00}. XX/XX/XXXX paper payment mobile deposited at my credit union ( check # XXXX ). XX/XX/XXXX paper payment returned REFER TO MAKER and funds removed from my credit union account. XX/XX/XXXX re-deposit paper payment at the credit union. XX/XX/XXXX again returned REFER TO MAKER. The funds have not been returned to the Capital One account. Capital One will not issue a new payment. I opened a case at Capital One ( # XXXX ) requesting a copy of the cancelled check. Response received was that the case had been resolved. XX/XX/XXXX a trip to a Capital One branch to meet with a representative confirmed that the check is still outstanding. Branch staff are unable to take any action and directed us to the 800 number to open a case. Case re-opened on XX/XX/XXXX. Response received was that the case had been resolved. Case opened at the Office of the Comptroller of the Currency. Letter received on XX/XX/XXXX from Capital One indicates that they " found no errors with our claim decisioning ''. The {$5200.00} is in neither account. The credit union says the issue isn't theirs and can do nothing without a copy of the cancelled check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX To : Collection Management XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Re : Account No. XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$1300.00} Subject : Cease and Desist Communication Pursuant to 15 U.S.C. 1692c ( c ) To Whom It May Concern : I am writing regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), I hereby demand that you immediately cease and desist from any and all communication with me regarding this alleged debt. Under federal law, after receipt of this notice, you may only contact me for the limited purposes permitted by law, including advising me that collection efforts are being terminated or notifying me of any specific legal remedies that may be pursued. This letter is not an acknowledgment, admission, or acceptance of liability for the alleged debt, nor is it a waiver of any rights afforded to me under federal or state law. Please ensure that all collection calls, letters, emails, and other communication cease immediately as required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: TN

Complaint narrative:
In XXXX, representatives from XXXX XXXX explicitly instructed the borrower not to submit the regular monthly mortgage payments for XXXX and XXXX, citing an administrative account transition. Following these exact corporate instructions, the borrower paused payments for those two months. When the administrative transition settled, XXXXXXXX XXXX XXXX automated system resumed drafting monthly mortgage payments directly from the borrower 's bank account. However, an accounting discrepancy occurred regarding the monthly payment thresholds : On XX/XX/XXXX, XXXX drafted the original payment amount of {$1100.00}. On XX/XX/XXXX, XXXX drafted a reduced amount of {$980.00}. On XX/XX/XXXX, XXXX drafted {$980.00}. On XX/XX/XXXX, XXXX drafted {$980.00}. On XX/XX/XXXX, XXXX drafted {$980.00}. Bank statement records show that all of these automatic drafts successfully cleared the borrower 's bank account. However, XXXX XXXX XXXX internal accounting system has failed to properly manage these funds. XXXXXXXX XXXX ledger shows they manually altered the XXXX, XXXX, and XXXX incoming funds by drawing against the escrow balance to force them to read as " full '' {$1100.00} payments, resulting in each transaction posting an entire month late. Furthermore, the bank draft from XX/XX/XXXX has not been credited to the transaction history at all. XXXX XXXX is currently displaying a total delinquency of {$4700.00} ( claiming 4 months past due ) on the borrower 's online dashboard. XXXX is penalizing the borrower and threatening default over a rolling delinquency caused entirely by the company 's own verbal instructions to skip initial payments, combined with their automated system 's failure to properly calculate, draft, and credit the correct monthly amounts. The company needs to conduct an immediate account audit, properly credit the unapplied funds drafted in XXXX waive any late fees associated with this transition error, and provide a fair resolution to bring the loan current without threatening foreclosure or reporting negative data to the credit bureaus.

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