vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NH

Complaint narrative:
I received an email saying I was late on a payment of {$14.00}. This is not true. I have full confirmations. I have made all my payments on time and I actually paid more than what was actually due. I have screenshots I have sent in several emails I have called. Nobody has called me back. Nobody has responded. I am going to my lawyer and we will be filing a lawsuit if this is not corrected in the next XXXX hours. I feel you people are scamming me and it is ruining my credit and I have done nothing wrong. We have done our part and paid more than what is owed. I will be posting this on every social media site there is. This is wrong and you people are trying to scam us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC.
State: SC

Complaint narrative:
I entered into a retail installment contract for cosmetic services through XXXX XXXX, serviced by Healthcare Finance Direct ( XXXX ). After signing the agreement, XXXX XXXX sold or transferred operations to another entity without notice or consent. 

The successor provider failed to honor scheduled appointments, did not reschedule services, and became unreachable. As a result, services paid for under the contract were not rendered. 

Despite this, XXXX continues billing under the contract. I have formally disputed the charges and invoked my rights under the FTC XXXX XXXX, which is incorporated into my contract. 

I am requesting suspension of billing, prevention of negative credit reporting, and cancellation or adjustment of the balance for services not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On my Capital One Platinum card account, I continue to get charged ; Interest Charge : Purchases at the begining of each month, but if the month is starting and I haven't made any purchases for that month, why am I being charged? 

XXXX XXXX : Interest Charge : Purchases {$7.00} XX/XX/XXXX : Interest Charge : Purchases {$6.00} XX/XX/XXXX : Interest Charge : Purchases XXXX XX/XX/XXXX : Interest Charge : Purchases {$7.00} XX/XX/XXXX : Interest Charge : Purchases {$7.00} XX/XX/XXXX. Interest Charge : Purchases {$7.00} XX/XX/XXXX : Interest Charge : Purchases {$7.00} XX/XX/XXXX : Interest Charge : Purchases {$7.00} XX/XX/XXXX : Interest Charge : Purchases {$7.00} XX/XX/XXXX : Interest Charge : Purchases {$7.00} XX/XX/XXXX : Interest Charge : Purchases {$8.00} XX/XX/year> : Interest Charge : Purchases {$9.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: AR

Complaint narrative:
I am disputing the collection account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding Citizens Banks failure to prevent and promptly alert me to multiple unauthorized withdrawals from my account. Despite standard fraud protections, repeated withdrawals were processed without timely notification, resulting in a substantial negative balance and financial harm. 
I have an active dispute with Citizens Bank ( Claim # XXXX ). Due to being out of the country at the time, I relied heavily on the banks fraud detection and alert systems, which failed. 
I request assistance in ensuring a full investigation, reimbursement, and corrective action. 
Sincerely/ Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: OH

Complaint narrative:
They are taking out {$200.00} every other week and only {$28.00} is going towards the loan. I called and that is what the worker informed me about. I had this loan for a while and it should be almost paid off by now. This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Figure Technologies, Inc
State: NV

Complaint narrative:
They gave me a predatory loan. Marketed it as a HELOC, but added forced never agreed to mortgage insurance. I have home insurance they magically lost even though they required it to approve the loan. They modified my auto pay without permission and increased it like XXXX a month to the amount they decided it was after PMI I never agreed to and should not have to carry because it is an equity line. Now they erase my auto pay and make me late anytime I create one. I had a XXXX credit score if I wanted a mortgage I woulda got one and it woulda included taxes and home owner insurance on a much lower interest rate. Its deceptive to market as a heloc so they can charge equity rates and then treat you like u have a mortgage. They force u to take it all out at once or pay huge fees every single time u draw. My owed amount never goes down only up over the PMI, this is not what I agreed to, is a breech of contract and Id like the entire thing canceled on deceptive business practices and predatory lending laws

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian and other bureaus are reporting unverified collection accounts and unauthorized hard inquiries. 
They claim items are verified but refuse to provide documentation or method of verification. 
This has caused denial of business loans, financial hardship, and excessive out-of-pocket costs. 

I request deletion of all unverified accounts and removal of unauthorized inquiries under FCRA 1681i, 1681e ( b ), 1681b, and FDCPA 809 ( b ).

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 2026-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I was expecting a escrow surplus as I have {$2400.00} currently in the escrow account. They did an automated analysis and they are saying I am short {$280.00}. They then told me I need to have at least XXXX months of escrow in the account. ( Escrow monthly is {$770.00}. 2 times that is {$1500.00} ) Therefore even with that metric ; I am still on surplus. I requested a manual audit of my escrow and was essentially denied stating they only do automated reviews. I never recieved any follow up from my last conversation with them. I am in the process of trying to find another lender that can provide better quality of communication.

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 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am submitting a formal complaint against Bank of America regarding improper late fees, autopay unavailability, and inaccurate negative credit reporting on my credit card account. 

The late fees and past-due reporting on my account began in XXXX, prior to Bank of Americas increase in late fees from {$29.00} to {$40.00}. These issues were not the result of customer negligence or failure to pay, but instead stem from Bank of Americas failure to provide or properly enable a functional automatic payment ( autopay ) system for my account. The subsequent increase in late fees only compounded the financial harm caused by the same unresolved system limitations.

My account does not offer true recurring autopay and instead requires manual payments or Bill Pay scheduling. Because autopay was unavailable or inaccessible, payments were missed despite my intent and ongoing good-faith efforts to keep the account current. The negative reporting and late fees resulted from these system limitations, not from a lack of willingness or ability to pay.

In one documented instance, I scheduled a {$340.00} payment on XX/XX/XXXX, XXXXwell before the XX/XX/XXXX due dateusing Bank of America Bill Pay. This payment was made proactively and demonstrates my good-faith effort to manage the account responsibly. This payment is not the cause of the late reporting, but rather further evidence that I relied on the payment options made available to me by Bank of America. Despite this scheduled payment, the account was still flagged as past due, underscoring systemic payment processing issues rather than customer fault.

Screenshots document the following : No unpaid eBills were present Standard recurring autopay was unavailable Manual or Bill Pay scheduling was required The account was nevertheless marked past due and assessed late fees I attempted to resolve this matter in writing by submitting a detailed formal complaint through Bank of Americas secure message center. Bank of America blocked my ability to send the message and responded that they can not assist through the message center, requiring phone-only communication and preventing a written resolution or record of the dispute.

I am formally disputing any negative credit reporting associated with these alleged late payments. Because the delinquencies and fees stem from Bank of Americas payment system limitations and not from customer negligence, any negative credit reporting is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ).

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 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I was taking to court for a debt that is almost XXXX XXXX XXXX. I was previously notified that the suit would be dismissed on XX/XX/year> for want of procescution because the company andte lawyer did not pursue the case in over 4 years. The Lawyer still attempted to proceed with the suit, not following the the rules for want of procescution. We went to court on XX/XX/year> and the judge rules in the lawyer favor even though the debt is time barred, over the statue of limitations and the lawyer or the judge followed the dismissal process for want of Prosecution rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX and its backend processor, First Data ( Fiserv ), for the wrongful withholding of my merchant funds over multiple years due to an onboarding error made by the processor. 

When my business was onboarded with XXXX XXXX, an employee entered my XXXX XXXX sales tax number instead of my XXXX  Employer Identification Number ( EIN ). This error was not disclosed to me and persisted for approximately XXXX years. 

As a result of this error, XXXX XXXX / First Data withheld approximately XXXX  % of my credit card proceeds under the label of federal backup withholding. I later discovered this issue and immediately corrected my EIN directly with First Data. I also contacted the IRS, which confirmed that it is NOT holding these funds and advised that the payment processor is retaining them. 

XXXX XXXX acknowledged in writing on XX/XX/XXXX that the XXXX  correction was under review and that funds should be released. Despite this confirmation and repeated follow-ups, no funds have been returned. 

The processor issued IRS Forms XXXX reporting the following amounts as federal income tax withheld : XXXX : {$64000.00} XXXX : {$100000.00} XXXX : {$69000.00} Total wrongfully withheld : {$230000.00} These funds were : Reported to the IRS Never remitted to the IRS Never refunded to me This constitutes wrongful withholding, negligence, unjust enrichment, and conversion of merchant funds. I am requesting CFPB intervention to compel the immediate release and repayment of all 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 explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX, an insurance settlement payment was deposited into a checking account that I closed more than XXXX years ago at my explicit request and which had a XXXX balance at the time of closure. Rather than rejecting the deposit and returning it to the sender, the bank reopened the closed account internally without my authorization in order to accept the funds. 

I did not request the account to be reopened, did not consent to the deposit being accepted, and do not have access money in the reopened account. 

The account in question was closed over XXXX years ago at my request. Despite this, USAA accepted the settlement deposit by reopening the account internally rather than rejecting the transaction. The funds remain in that reopened account. 

I first received written communication about my closed bank account being reopened and a check within would be sent XXXX business days once the funds were fully processed and the account re-closed. After receiving that email, I called the bank on XX/XX/XXXX, at which time I was told something different that the funds were sent on XX/XX/XXXX and would be received within XXXX business days. 

Bank statements confirm that the funds were still present in the reopened account as of the XX/XX/XXXX ending balance, demonstrating that the funds were neither returned to the sender nor reissued within the stated timeframes. 

This matter involves multiple issues of regulatory concern, including unauthorized reopening of a closed deposit account, failure to reject and return a deposit to a closed account, conflicting written and verbal representations regarding fund availability, failure to provide timely access to funds, failure to honor verbal timelines, and improper handling of settlement funds. 

As a direct result of these actions, I have been unable to access my settlement funds, purchase a replacement vehicle, return my rental vehicle, and maintain normal employment. I have incurred ongoing rental expenses, lost income due to lack of transportation, exhausted my personal savings, and continue to experience avoidable financial hardship.

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 2026-01-04 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: ADP Inc.
State: IL

Complaint narrative:
On XX/XX/year>, XXXX charges from XXXXXXXX XXXX XXXXXXXX posted to my account in the amounts of {$20.00} and {$100.00}. I did not authorize these transactions and did not make these purchases. 
I disputed both charges promptly through Wisely, my bank, and fully cooperated with their dispute process. Despite this, Wisely later marked both disputes as closed and denied. I was not provided with a clear explanation or any evidence showing that these transactions were valid or authorized by me. 
Wisely did not share documentation such as a signed receipt, proof of delivery, or any verification tying these purchases to me. It appears the disputes were denied without a thorough or transparent investigation. I was also not provided provisional credit while the disputes were under review. 
As a result, I am being held responsible for {$120.00} in charges I did not make. I made good-faith efforts to resolve this directly with Wisely, but my concerns were dismissed without adequate justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX- XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2026-01-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of XXXX an unknown person opened a credit card in my name and charged approximately XXXX XXXX I knew nothing about this credit card until XXXX when I checked my credit report with XXXX, and found a negative report from the credit card with a negative over XXXX  days pass due report, I immediately called the credit card in question and was given the run around regarding this account, I filed a disput with the XXXX major credit agencies and really got now here.I also notice an address related to this credit card in XXXX XXXX  on my credit report which I never use, I have lived in XXXX XXXX  my entire life.The credit card is CBNA/XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX with only the last XXXX digits of acct # XXXX and an application # XXXX, When I called this credit card at XXXX they would not give me any information about this account and stated I am responsible for payment.I did not open or give anyone permission to open or use this credit card in my name, I suspect im the victim of Identity theft and fraud, Also this negative report this company put on my credit report is affecting the status of my credit report, Any help would be appreciated, and I thank you very much for my concerns.

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 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hello, I think something is wrong. I think I came to Consumer Protection before. I know XXXX XXXX XXXX XXXX, XXXX ) passed away in XXXX or XXXX, but in XXXX, XXXX, in XXXX, I was given my inheritance, and the settlement started after an accident in XXXX, XXXX. I started getting checks sent through trusts or estate. They stopped in XXXX. I received about {$3000.00} in XXXX after or XXXX or XXXX, and that was it. After that, I was told to work in a XXXX XXXX XXXX  XXXXXXXX XXXX I don't know who requested me. I received {$25000.00} a XXXX, then moved off to work at another XXXX XXXX  where I was hired directly. I am trying to figure out what happened to the rest of it and why so much publicity about. I have my own portfolio to handle for a few more years before the XXXX has to range in to figure out the balance. It's a sizable portfolio. I am a XXXX XXXX XXXX XXXX and XXXX XXXX. 

Thank you. 

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 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I sent an email to the company because theyre trying to collect a debt and I never gave permission for the original company to give out my personal information to the company thats trying to collect the I want it removed from my credit report. I never gave them permission to sell my personal information.

Company response to consumer: Closed with explanation