vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Credit Collection Services XXXX XXXX XXXX, XXXX, MA XXXX Call Center XXXX This phone number makes you wait hours and never answer. I called repeated times to resolved the collection item which is a false allegation. They never answer and expect me to pay more than {$600.00} dollars bill XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX received email stating loans would be XXXX. XX/XX/XXXX Received another letter from aid advantage saying that taht all loans have been XXXX. My federal taxes were off set XXXX and sent to department of education. Now trying to get that refunded back to me since all loans for this school were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: NY

Complaint narrative:
I have been receiving communication over the last several weeks from XXXX regarding someone elses debt. I have never had a kohls card, my name is not the person listed, and I dont know that person. Yet they continue to contact me after I asked them to remove my information from their database. I have blocked their email and they have sent emails, text messages, and their emails are now showing up in the junk section of my email. This is the latest message from XX/XX/year> at XXXX XXXX : Company Logo XXXX XXXX Regarding : XXXX CREDIT CARD account Reference : XXXX Unsubscribe Unlock your savings now. Hello there XXXX XXXX, This message is meant to reassure you that youre not navigating this alone, support and resources are available. Inside your account portal, youll find your total balance of {$3800.00} paired with XXXX options intended to support manageable next steps. Your reference ID # XXXX allows you to securely view your account details : View My Options If speaking with a representative would be helpful, we invite you to call XXXX during our standard hours. Were here to help, The Unifin team Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current creditor : XXXX XXXX XXXX XXXX Current creditor reference ID : XXXX Brand Name : XXXX CREDIT CARD Unifin ID : XXXX Total Balance Due : {$3800.00} This communication is from a debt collector. This is an attempt to collect an unpaid balance. Any information obtained will be used for that purpose I am not this person, I dont know this person. I have never had a kohls card and any debt that I possess is in my name and no one elses. I want them to stop contacting me and stop attempting to attach someone elses debt to my name/details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION
State: TX

Complaint narrative:
Hard inquiry from Sallie Mae on XX/XX/XXXXXXXX on my credit report from identity theft. I never open or have an account with Sallie Mae. Its a fraud and identity theft. On XX/XX/XXXXXXXX I have also a hard inquiry from XXXX XXXX XXXX located on XXXX XXXX XXXX XXXX XXXX, IL XXXX. I never apply for a credit card with XXXX XXXX. I called XXXX and reported the fraudulent transaction and identity theft. They confirmed indeed that someone was using my information illegally. XXXX promised to remove the inquiry from my credit report but as of today it is still showing on my report,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
We attempted to cancel the first subscription because the representative informed us that we could cancel at any time and return the machine without any penalties. We were told there was no contract and that there would be no charges if we decided to cancel. We sent emails requesting cancellation but never received a response. Instead, we started receiving letters about new subscriptions that were never authorized. These included different charges and equipment that was never authorized or received. Additionally, we received statements showing a bank checking account that does not belong to XXXX XXXX, as well as deposit statements that are not associated with XXXX XXXX. We are submitting dates and documentation as proof of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
Two years ago I was a victim of identity theft someone was using my information to open up account repeatedly and I have dispute all those charges. I would like all those hard inquiries and all the account that was open under my name in the year of XXXX deleted from my credit report please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I called up XXXX Synchrony XXXX XXXX To get the high interest removed so I could pay off the balance and close the account and they refused me. There interest is way to high XXXX. I want to pay this off and they where not willing to help at all. There number XXXX XXXX XXXX XXXX XXXX XXXX. Can you please help XXXX 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 monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
Dates, XX/XX/2025 Amount : {$30000.00} Action taken : phone call and e-mail I wired {$30000.00} to Kraken XXXX, I want to store some XXXX in my personal wallet named XXXX, after extensive investigation, they decided that my account was a target of scam, so they refused to send XXXX whch I purchased with 1 % fee they charged me. Now my {$30000.00} became XXXX XXXX. After I received their email telling me that my account was under restriction for XXXX days, no withdrawal. I then decided that they should return my money to my bank that I wired from. I spent another 1 % converting my USDT to USD. They refused to do so. I tried in vain to call them, no voice service is available, I wrote them e mail and got no response. I can not have my money tied up with them for XXXX days, it is very frustrating for me to have encounter such a bazaar behavior from a crypto company like Kraken. I hope CFPB would talk to them and have them refund my money to my bank.

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 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: CA

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer from the U.S. to XXXX for {$1500.00}. I was charged {$1400.00}, and the remaining amount was covered by a coupon/promotion. The companys app later marked the transfer as delivered, but the beneficiary did not receive the funds. I contacted the company multiple times to report the issue. Their responses were delayed and did not provide a clear resolution. They asked me to provide the beneficiarys bank statement as proof that the funds were not received, which I did. They then shared a XXXX reference, but the beneficiary bank was unable to trace the transaction using that XXXX. I repeatedly requested valid transaction trace details that the beneficiary bank could use, including the transfer rail used, any additional bank reference, XXXX details, proof of credit, and the banking partners case reference. The company has not provided usable trace details. Instead, they said the matter was escalated to their banking partner and gave a 35 business day reconciliation window, even though the transfer had already been pending for about a month. As of now, the funds have still not been received, and the company has not provided either ( 1 ) valid trace details that can locate the funds, or ( 2 ) a full refund. I am requesting immediate resolution in the form of complete trace details or a full refund/reversal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR

Complaint narrative:
I am filing a complaint regarding a Citizens One loan associated with the XXXX XXXX Upgrade Program. I returned the financed device to XXXX on XX/XX/year> at an XXXX XXXX in XXXXXXXX XXXX. XXXX has confirmed receipt of the device ( XXXX case number XXXX ). Despite this, Citizens One continues to report an open loan balance of {$1100.00} and delinquent status. I have attempted to resolve this repeatedly. I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted Citizens One on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each call lasted approximately XXXX to XXXX minutes. Citizens One has opened cases ( POS XXXX, XXXX XXXX, XXXX XXXX ) but has not corrected the account. I have paid {$100.00} after returning the device, which should not have been required. I am requesting that Citizens One : Close the loan immediately Remove delinquency status and all fees or interest Refund payments made after device return Provide written confirmation of resolution Provide appropriate compensation for the financial and administrative harm caused by maintaining an invalid loan for several months XXXX has confirmed receipt of the device, so there is no valid basis for maintaining this loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, my husband and I visited XXXX XXXX XXXX in XXXX, FL to trade in our current vehicle for another. We told the sales person and the funding company Ally Auto Financial, that I do not have a license and am unable to obtain a license so the registration had to be in my husbands name. Both the dealership and Ally stated that as long as the registration was listed as or, the registration would be fine. We traded in our vehicle and signed the papers. In XXXX, XXXX I received a notice from the XXXX stating that the registration is expiring on my birthday. The registration should not be expiring on my birthday because it should have been on my husband, not me. We contacted the XXXX and they stated that because Ally listed me as the primary lien holder that I had to be on the registration and that because I dont have a license I can not register the car now. How is it that the registration included me to begin with? I called Ally, about the lien and they stated that there is nothing they can do and its up to the XXXX. The only other thing that can be done is for the loan to be refinanced to my husband only. How did we even get approved for the loan if I could not be on the registration? We traded in our vehicle and have been making our {$620.00} car loan payments on time each month since we got the loan ( including XXXX insurance, etc that they sold us on ) and now we can not renew the registration. This is a scam and we should not have been given the loan based on this information. How is this legal? Now we are out a vehicle and are financially impacted with trying to find alternative ways to get to our jobs.

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 2026-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint as a victim of identity theft. I have discovered multiple accounts that were opened and/or reported in my name without my authorization, knowledge, or consent. The fraudulent accounts include : XXXX XXXX {$320.00} XXXX XXXX XXXX ( related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported : {$970.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance reported : {$4100.00} XXXX XXXX XXXXXXXX XXXX XXXX ( inquiry ) XXXX XXXX XXXX ( inquiry ) XXXX XXXX XXXX ( inquiry ) XXXX XXXX XXXX ( inquiry ) XXXX ( Inquiry ) TransUnion XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( inquiry ) XXXX XXXX XXXX XXXX ( inquiry ) XXXX XXXX ( inquiry ) Approved XXXX XXXX ( inquiry ) XXXXXXXX XXXX ( inquiry ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( inquiry ) XXXX XXXX XXXX XXXX XXXX XXXX I did not open or authorize any of these accounts, nor did I receive any benefit from them. These accounts are the result of identity theft. As a result, my credit report has been negatively impacted, and I am experiencing financial harm and distress. I dispute full responsibility for these accounts and any associated balances. I have taken the following actions : Filed an identity theft report with the Federal Trade Commission Placed a fraud alert and/or credit freeze with the credit bureaus Disputed the fraudulent accounts with the credit reporting agencies Notified the companies listed above Despite my efforts, these accounts continue to be reported and/or collection efforts continue. I respectfully request that : A full investigation be conducted immediately. The fraudulent accounts be removed from my credit reports. I not be held financially responsible for these unauthorized debts. All collection activity cease immediately. Written confirmation be provided once corrections are made. I am prepared to provide any additional documentation necessary to support my identity theft claim. Thank you for your prompt attention to this serious matter. Sincerely, XXXX 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 2026-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Comerica
State: FL

Complaint narrative:
I found a dispute on XXXX the XXXX of XXXX give him the information that I needed to resolve the issue and I won the dispute on XXXX the XXXX of XXXX they close my account and awarded me the money of my dispute which was {$4000.00} excuse me {$2700.00} that was supposed to be issued on a card by the mail that I received but when I called they said that they would have to write a check and that it would take XXXX days for that process to happen into be done now I've looked up information and I was told and by several other banks that it shouldn't lose my case is closed in my account is closed that it should be done between XXXX to XXXX hours I have not yet received any kind of paperwork at all since I was approved on XXXX I've called numerous times to check on my address see if they got information correct then every time it's the same but I get either hung up on or run around issues I am looking for someone to help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-27 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: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
So I lost my job last XXXX I did get unemployment for a little bit then lost it, I had a job lined up but the hireing process took almost XXXX months to finally get me in but during that time I was so broke with my car payments rent bills etc, also have a XXXX XXXX XXXX son live on my own in a small apartment. It got rough but Im always receiving loan offers so I took a small XXXX thinking I could pay it back right away, but Im had my sons birthday we had XXXX, school activities, my mother had a XXXX, my gf mother passed away all since XXXX so I havent been able to pay this loan back and the interest rate is not what I thought at all and its saying its 500 % return for them for a {$1400.00} loan. {$280.00} every XXXX weeks, if already paid them the amount back so far I just can keep this up, & I googled a 500 % interest rate its says its illegal. So I need legal help please.

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 2026-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: PA

Complaint narrative:
I am filing this complaint regarding three money transfer transactions initiated through the Abound, the times of XXXX app that were marked as Completed but have not been credited to the beneficiary account. Transaction details : Transaction ID : XXXX {$3400.00}, date XXXX XX/XX/year> Transaction ID : XXXX {$3000.00}, date XXXX XX/XX/year> Transaction ID : XXXX {$3500.00}, date XXXX XX/XX/year> Total amount : {$9900.00}. It has now been 8 days since these transactions were marked as completed in the app. The funds have been fully deducted from my XXXX XXXX accounts ( XXXX XXXX and XXXX ), yet the beneficiary has not received the money. Despite multiple attempts to contact customer support, I have not received any response or proof of payout. A transaction marked Completed should mean funds were successfully delivered. An 8-day delay without explanation raises serious concerns. I am requesting : 1. Immediate proof of payout with official XXXX reference numbers, OR 2. Immediate full refund of the total amount of {$9900.00}. I am seeking urgent resolution.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: LA

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer of {$1500.00} to a bank account in XXXX via the Abound app ( Transaction ID : XXXX ). The funds were immediately debited from my XXXX XXXX account, but they have never reached the destination. I contacted Abound customer support multiple times to resolve the issue. On XX/XX/year>, a representative named XXXX sent a written admission that the funds were not reflecting in the beneficiary account despite being marked as " settled '' in their system. The merchant requested 2 to 3 business days to trace the money with their banking partner, but that window has passed without any successful delivery of funds, a valid XXXX XXXX XXXX XXXX XXXX XXXX number, or a refund. Because the merchant has failed to deliver the funds as promised and has not corrected the error within the specified timeframe, I am filing this complaint to request a full refund of my {$1500.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
At the closing of our mortgage refinance, with United Wholesale Mortgage which we signed on XX/XX/year>, we were told we would receive a refund of approximately {$3000.00} within XXXX days. As of today, we have not received those funds. After multiple attempts to contact the bank and being unable to reach anyone for some time, we finally spoke with a representative who assured us the refund would be deposited by XX/XX/year>. That deposit did not occur. On XX/XX/XXXX, we contacted United Wholesale Mortgage again to inquire about the delay. The representative we spoke with apologized and stated the refund would be deposited no later than XX/XX/XXXX. However, she also informed us that the refund amount would only be {$300.00}, which is significantly less than the {$3000.00} we were originally told to expect. Additionally, the loan officer who assisted us with this refinance contacted us regarding our dispute over the {$22000.00} in closing costs. We were previously told the closing costs would be approximately {$14000.00}, and we were assured we would save about {$300.00} per month on our payment. Even at signing, we were told the numbers were only estimates that the final figures would be around the quoted cost of {$14000.00} not the {$22000.00}. He also stated that we should expect a refund around {$3000.00}. He suggested we contact the bank directly for clarification. To add to the confusion, our first payment reminder reflected an amount that was {$300.00} higher than our previous mortgage payment. The bank later stated that this was an error and would be corrected. In summary, we were told we would receive approximately {$3000.00} back, save {$300.00} per month on our payment, and have closing costs around {$14000.00} and a rate drop of XXXX and a half percent. Instead, the closing costs totaled {$22000.00}, the refund appears to be only {$300.00}, and the payment amount has been inconsistent. Although the interest rate was reduced by XXXX and a half percentage points, the overall outcome does not align with what was represented to us. Plus they do not attempt to return our calls in a timely manner both the broker and lender.We have been mislead during this entire process assured over and over the numbers were merely estimates that was on the high side but would be significantly lower.

Company response to consumer: Closed with explanation