vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Starting from XX/XX/XXXX there was a series of payments not properly applied to the account. I made XXXX calls to my mortgage company Newrez between XX/XX/XXXX and XX/XX/XXXX. Each call I was told that the payments would be properly applied. That a higher up would be looking into the matter and call me back. I never received a call back. One of the payments in particular ( XXXX ) went to the escrow account which was wrongly applied resulting in a constant balance for the monthly payment. I repeatedly called in regard to reapplying this payment and other payments only once was I able to get some clarification when I spoke with a supervisor named XXXX XXXX whom I spoke with on XX/XX/XXXX. She rescinded some late fees and stated I had XXXX in unapplied funds and would be reapplying payments properly. 
she stated I had actually overpaid and after applying previous payments correctly that the monthly payment for XXXX would be XXXX. It made sense. I then made the payment for XXXX with an Additional {$500.00} totaling XXXX, but again these funds were wrongly applied to the XXXX mortage payment which was already paid in full as previously discussed on my last call with the supervisor. after seeing the payments still not correctly applied, I then called on XX/XX/XXXX. I was Told that I owe an additional XXXX for my XXXX payment. Each time I called an agent needed to get someone to look at the issue or send to a higher up. When I called again on XX/XX/XXXX, I was told that the XXXX was never applied correctly still after XXXX  months. Imagine my frustration. the agent XXXX XXXX XXXX she was going to just refund me the XXXX payment that went into escrow because it was never properly applied but that I still would owe XXXX for my XXXX mortage payment. Why the XXXX couldnt just be applied to the XXXX payment where it was supposed to I do not understand. I also dont understand how I still owe even XXXX more. This is utterly frustrating and confusing. The fact that these payments are constantly not being applied correctly has resulted in me receiving letters regarding foreclosure causing me undue stress. The monthly statements do not properly reflect the payment history. I should currently have a XXXX balance with an additional {$500.00} to principal. I dont know if this company doesnt want to take the time to properly fix the matter or they just dont know what theyre doing. either way I want it resolved

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 2026-01-28 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: PA

Complaint narrative:
I just received a letter this weekend no prior communication in years no indication of any issues and now I am being told after years there are 3 loans outstanding from XXXX XXXX my children from over 12 years ago. one of the kids who is a XXXX  and her husband is XXXX  had consolidated loans several years ago so they should have been addressed then not sure why or how they would be overlooked. it just feels like a major scam, and I have not received any letters or vm on my phone and why were there no letters prior and I would like to pay them but this back interest and all is insane. can I get the original amount owed so i can formulate an actual payment plan and some kind of route out of this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
Navy Federal Credit Union closed my accounts on suspicion of fraud. After the account closure, the credit union mailed me a check in the amount of {$560.00}. However, my checking and savings accounts balances at the time of closure was approximately {$1800.00}. An additional amount of about {$1300.00} was not returned to me. 
I did not receive any written notice or explanation regarding why the remaining funds were withheld or deducted. I also was not informed of any fees, offsets, or other actions that would justify the missing balance. I have not received any further communication or resolution from the credit union regarding the unreturned funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding Fay Servicing, LLCs handling of my repeated loss mitigation applications for my primary residence. 

I have been denied mortgage assistance on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Each time I applied, Fay acknowledged that my household is experiencing a financial hardship but stated that my spouse and I either lacked sufficient surplus income for a repayment plan or were not eligible for payment deferral due to delinquency requirements set by the investor. 

After earlier denials, my assigned Account XXXX, XXXX XXXX, and a previous Fay representative advised me to reapply if my financial circumstances changed. In reliance on that guidance, my spouse and I reduced household expenses and reapplied in good faith. Despite these efforts, our most recent application was denied again. 

During a call on XX/XX/XXXX, XXXX XXXX stated that there were no options available other than paying the full reinstatement amount and accused me of attempting to game the foreclosure system by continuing to apply for assistance. This statement was particularly concerning given that Fay representatives had previously instructed me to reapply once expenses were reduced. 

I requested escalation during this call and was informed that there was no one to escalate the matter to. I have never been provided a meaningful, one-on-one review of my loss mitigation applications, nor have I received transparent explanations regarding underwriting calculations, investor discretion, or how determinations were reached. 
Additionally, prior to the most recent denial, I attempted to submit payments equivalent to two mortgage payments and was advised that Fay was unsure whether the payments would be accepted or properly applied. 

While I acknowledge that my loan is significantly delinquent, I am concerned about inconsistent guidance, lack of transparency, refusal to escalate, and dismissive treatment throughout the loss mitigation process. I am requesting CFPB review to ensure that Fay Servicing conducted a complete and compliant evaluation of my applications, followed applicable loss mitigation standards, and provided fair, accurate, and professional servicing. 

I am seeking transparency, confirmation of a full and fair review, and appropriate escalation to prevent unnecessary foreclosure while my appeal and complaints are under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is a ridiculous problem i have been having with Venmo they will allow me to buy, send and sell my cryptocurrency for a while and then out of the blue they'll let me buy the cryptocurrency but then place it on a hold and if I sell it back they'll keep a XXXX XXXX hold on my money all together. They have repeatedly lied to me about the reasons they just up and hold it and never give me any reasonable resolution i always have to wait until they're good and ready to release my funds!! I have asked them to stop doing this as they will tell me it's " for my own security '' but it's not securing my account its freezing it and when you think you can just do what the app advertised upto be able to do and you put trust into it but then it turns around and makes it hard for you to financially make ends meet it's not right they also told me it wouldnt happen again and it has NEVER stopped happening i just don't know when to expect it so they have ruined quite a few investments I've tried to handle!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing a complaint against BMO Harris Bank for discriminatory and inconsistent banking practices and failure to properly address a customer complaint. 
On XX/XX/2026, at the XXXX XXXX BMO Harris branch, I attempted to cash approximately {$150.00} in coins and withdraw {$200.00} from my account. I provided my drivers license, debit card, and PIN, which has always been sufficient in my 15 years as a BMO customer. 
Despite this, the teller required a third form of identification ( OTP ) without clear justification. I have never previously been required to provide this additional verification. When I asked why, I was told it was because of scams. This explanation was vague and appeared selectively applied. 
On XX/XX/2026, I contacted the branch to file a complaint. Branch representative XXXX XXXX dismissed my concerns and justified the tellers actions, stating the teller may have required additional identification because she had never seen me before. This explanation confirms that subjective discretionnot uniform policywas applied. 
I believe this conduct constitutes unequal treatment, raises concerns of implicit XXXX bias, and reflects a failure to apply consistent banking controls. Additionally, BMO failed to properly investigate or remediate my complaint.

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 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I am submitting this complaint regarding incorrect billing and credit reporting by my student loan servicer, Heartland ECSI. 

While I was enrolled in school prior to XX/XX/XXXX, I was charged several times, but those charges were later stopped after my enrollment was verified. After I graduated in XX/XX/XXXX, I informed XXXX that I was still enrolled in school. I later withdrew in Fall XXXX and then re-enrolled for XXXX XXXX. 

Since re-enrolling, I have submitted enrollment verification multiple times through XXXX and by uploading my class schedule. However, my proof keeps being rejected or removed from my account without explanation. 

Despite being enrolled and eligible for in-school deferment, XXXX has continued to bill me and is now reporting my account as past due by several months. These late payments are being reported on my credit report and have damaged my credit. 

I have attempted to resolve this issue directly with XXXX, but it has not been corrected. I am requesting that my account be reviewed, that any improper charges be removed, that in-school deferment be applied retroactively if appropriate, and that all negative credit reporting be corrected. 

I have attached my unofficial transcript showing my current enrollment and classes for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Securus J Holdings, LLC
State: FL

Complaint narrative:
I am filing this complaint against JP Morgan Chase/JPay for retaliation following a refund. Despite receiving a refund for non-delivered funds ( Conf # XXXX and # XXXX ), my account remains restricted. On XX/XX/XXXX ( call duration XXXX XXXX ), I was assured there would be no retaliation. However, today XX/XX/XXXX ( call duration XXXX XXXX ), I was told that to lift the restriction, I must send a XXXX XXXX for {$180.00} regarding transaction # XXXX. This is an unfair practice that is causing significant XXXX XXXX to both myself and my brother, who depends on these funds for basic needs in a XXXX XXXX. 
" Beyond the financial dispute, this situation is causing significant XXXX XXXX to both myself and my brother, who is currently XXXX and depends on these funds for his basic needs. The lack of transparent information and the arbitrary blocking of services are not just administrative failures ; they are an attack on our well-being and a violation of our rights as consumers. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I transferred {$8900.00} from my Wells Fargo checking account to XXXX XXXX checking account on XXXX of XXXX. Also the customer service was not helpful to me with opening a business checking account, I wanted to close my checking account too. On the phone I asked the customer service first to complete transferring the funds and then close the account as I needed the funds urgently. The customer service assured me, a couple of days later I still couldnt see the available amount on my XXXX XXXX checking account and my account was closed on XXXX of XXXX. I called customer service again and they told me they have mailed my cashiers check, on XXXX of XXXX I saw a partially {$1000.00} in my XXXX  XXXX checking account and I thought they would complete the transfer and I used it. Then XXXX XXXX called me and we called the customer service we figured out that Wells Fargo reversed it. Now I my XXXX XXXX account is minus and has restrictions and I can not make my payments. On XXXX of XXXX Wells Fargo customer said that the cashiers check will be mailed to me and it will take 10-15 days to arrive. They have been lying and putting me in difficult situation. I asked to go to branch to take the cashiers check as I need the funds or complete the transfer but they didnt. They lied and when I asked them when was the cashiers check mailed they didnt respond. I still dont have the funds and answers and they have been holding the funds. As a result of Wells Fargos actions and misinformation, my funds were wrongfully delayed, causing financial XXXX  and potential damages

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
GOLDMAN XXXX CHARGE OFF XX/XX/year> {$12000.00} CONTACTED, NO RESPONSE XXXX XXXX  COLLECTION XX/XX/year> {$6400.00} CONTACTED, TOLD THEM I NEVER OPENED THIS ACCOUNT. HASN'T VERIFIED XXXX  CHARGE OFF XX/XX/year> CONTACTED, NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: ND

Complaint narrative:
Repeated calls and voicemails from several different phone numbers. All VMs from different voices. No names, no details on debt to collect. 

VMs are always the same : Good afternoon, this is Reliant Capital Solutions as colleagues from a debt collector. Please give me a call back at XXXX. Thank you I monitor my credit report and take pride in paying off my debts/ keeping accounts current. 

Research on this number that is always in the vm shows no connection to the real reliant capitol solutions. Various hits online from people that called this number back and being yelled at to give them their SS number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: OH

Complaint narrative:
It has just come to my attention today XX/XX/year> that US Bank had knowingly shared personal information. I had no idea this happened and I would like them to rectify the situation.

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 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-28 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: Block, Inc.
State: OH

Complaint narrative:
The company im filing a complaint on is Cashapp. 

I was ordering stuff from shein, i started canceling some of my orders. Starting on the XXXX of XXXX. We'll I never received my refunds so I called cashapp and the worker put me on hold, came back and said cashapp does in fact owe me XXXX XXXX and something fmdollars. She said she was gon na email sheins bank and my money would be back in my account in 3 days. It never showed. So I called today and the worker said they already refunded me the money. But I kno they didn't. And I have evidence that they didn't because when your redund goes thru, they put a line through the transaction. There are no lines thru them. In some there is but most of them don't have a line.

Company response to consumer: Closed with explanation