vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LAKEVIEW LENDING LLC
State: CA

Complaint narrative:
On XXXX I received an unsolicited phone call from a XXXX XXXX XXXX XXXX who said he was " with '' XXXX, with whom I have my current mortgage. I said you're with XXXX? and he confirmed it. I then stated that I like XXXX and they would get first dibs at my business. ( Turns out he is employed by XXXX XXXX. ) He then asked if I was familiar with the VA XXXX XXXX XXXX XXXX program and I said " No '' and wasn't interested because my XXXX loan has a 2.25 % interest rate. He said no problem, because after making 4 payments on the new loan of 4 or 5 % interest rate I would be eligible for a rate reduction of 1 to 2 %, " Back to where you are now ''. ( I now know THIS IS A LIE! ) Further, there would be no payments for the first 2 months. ( I now know he is not allowed to say that under VA guidelines. ) After the telcon he emailed me ( see attached ) his contact info and I noticed his address is XXXX, so I did some checking and then sent him an email stating " There has been a misunderstanding : I heard you say you are with XXXX and I even asked you to confirm it. I then said I like XXXX and they would get 1st dibs on my business. So I'm sticking with that and please do not follow up with me. '' Within XXXX minutes he called me and said he never claimed to be with XXXX. I said " You misrepresented yourself and I'm am NOT doing business with you. '' The next morning he called again to ask if I had the documents for the loan. I said " I told you to stop calling me so I'm going to report you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kornerstone Credit,  LLC.
State: CA

Complaint narrative:
The account reported by ( XXXX XXXX ) is inaccurate. This debt originates from a furniture purchase from XXXX XXXX XXXX debtor ( KORNERSTONE CREDI ). The current collector has re-aged the account or reported incorrect dates. Please verify the Original Date of Delinquency ( MDD ) from XXXX. Furthermore, ensure this is not a duplicate reporting of an existing or sold account. If the collector can not verify the exact XXXX delinquency timeline, please delete this trade line immediately under the FCRA

Company response to consumer: Untimely response
Consumer complaint received 2026-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kornerstone Credit,  LLC.
State: TX

Complaint narrative:
I receive phone calls from XXXX multiple times I checked my bank statement and I received overdraft charges because they pulled from my account multiple times on my credit profile. It states that I owe 100 % of the debt that I dont know of, but somehow they got into my bank account pulled out so much that my bank account is- {$1500.00} i did call and spoke with someone named XXXX XXXX That was XXXX XXXX and that the XXXX XXXXXXXX was security services. He did give me a number to call which I did call. They were very rude and they stated that they were a collection company that bought the debt from XXXX and that I made no payments I have documentations for my bank account and I believe it is against the law to sell any information personal. This is how my bank account has been hacked into now because my information has been sold multiple times.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kornerstone Credit,  LLC.
State: TX

Complaint narrative:
I receive phone calls from cornerstone multiple times I checked my bank statement and I received overdraft charges because they pulled from my account multiple times on my credit profile. It states that I owe 100 % of the debt that I dont know of, but somehow they got into my bank account pulled out so much that my bank account is- {$1500.00} i did call and spoke with someone named XXXX XXXX XXXX was Old cornerstone and that the new cornerstone was XXXX XXXX He did give me a number to call which I did call. They were very rude and they stated that they were a collection company that bought the debt from cornerstone and that I made no payments I have documentations for my bank account and I believe it is against the law to sell any information personal. This is how my bank account has been hacked into now because my information has been sold multiple times.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kornerstone Credit,  LLC.
State: CA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for a severe violation of the Fair Credit Reporting Act ( FCRA ) regarding illegal account re-aging. This debt originates from a consumer contract with Kornerstone Credit from XX/XX/XXXX. The original account with Kornerstone Credit correctly shows a {$0.00} balance because it was sold. XXXX XXXX XXXX recently acquired this old account and placed it on my credit report with a fraudulent 'Date Opened ' of XX/XX/XXXX. This is a blatant attempt to re-age a XXXX debt to artificially extend the 7-year credit reporting limit and manipulate my credit profile. XXXX XXXX XXXX is violating federal law by reporting inaccurate historical timelines. I request that the CFPB compel XXXX XXXX XXXX to completely delete this inaccurate collection tradeline from all three credit bureaus immediately

Company response to consumer: Untimely response
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I am a victim of identity fraud. Unauthorized accounts and transactions were opened using my personal information without my knowledge or consent. I have reported the fraud and request an investigation, removal of fraudulent activity, and protection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: AR

Complaint narrative:
Ive tried to get forbearance and have been denied! I cant afford the payments right now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MEGA CAPITAL FUNDING INC.
State: CA

Complaint narrative:
My husband and I did a refinance in XXXX and the property is held in our trust. In XXXX my husband passed away and I am trying to have the loan report under my ssn # for tax purposes. They tell me that I need to refinance - I am a signer under the note done in XXXX and should not need to refinance. Also, since Mega Capital stated a sub-servicing company in XX/XX/XXXX they have been crediting my payment to principle resulting in a XXXX escrow shortage. When I called about this, they said the computer decides how payments are credited. I paid the escrow shortage and that was applied to principle. I just want them to credit my payment, yes each payment has a small principle amount which is allowed and that is just how my husband and myself have always paid our debts. Please review the provided document and advise on what action I have to get the loan reporting under my SSN and how I can resolve this constant need to contact them to ask them to correctly apply the monthly payments. 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 2026-05-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Michael J Adams PC
State: TX

Complaint narrative:
I received two transactions that are put on hold on XX/XX/year>. XXXX in my checking account for {$1800.00} and one in my savings account for {$2100.00} by the company of Michael J. Adams. I was completely unaware of this and unaware that I was sued until there was this outrageous amount levied. I never received any documentation about being served or sued, never been taken to court for a lawsuit, no paperwork regarding this matter. This is extremely unfair and frustrating. I demand this money be returned because it is simply unfair to me and I was not aware. I have called this company multiple times and have left voicemails each time with no return call. I will not stand for this, and I need my funds back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: IL

Complaint narrative:
I have been struggling with my mortgage over the last few years. I have attempted to get the monthly re-configured to no avail. XXXX XXXX claimed in the past that they would setup the mortgage and make it more affordable or that they would restructure it. To this date, the mortgage has ballooned. Now, while trying to get in contact with key people within the company has failed on deaf ears. I feel like I have no support at all. I could unfortunately lose my property. I have been continually sending email correspondence. I thank you.... XXXX ( XXXX 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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: VA

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

Company 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 2026-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
On XX/XX/year>, my bank, XXXX 's XXXX XXXX delivered a monthly mortgage payment check to XXXX XXXX XXXX XXXX was {$2200.00}. I called the number. Rocket Mortgage was the contact. They said XXXX XXXX no longer physically exist. They acquired the company. I understood. I wanted to know why my payment wasn't applied and where did my money go? They said they didn't know. They received no money for my monthly payment. They had no idea and no proof of anything. I sent Rocket Mortgage {$2500.00} on XX/XX/year> for my XX/XX/year> Mortgage payment. I filed a dispute with XXXX for lost funds. On XXXX, XXXX, XXXXXXXX XXXX decision was no evidence of their wrong doing. Dispute was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Lenders Investment Trading Corp
State: WI

Complaint narrative:
I contacted my mortgage servicer requesting details about their escrow waiver process and requirements. They responded that escrow is 'tied to the rate ' at origination and can only be removed through a refinance. I followed up seeking clarification on the relationship between escrow and my loan rate, noting that my fixed rate would be unaffected by removing escrow. They responded that escrow was a factor in determining my rate at origination and that removing it would constitute modifying the loan terms. After reviewing my XXXX refinance closing documents, I found both responses to be contradicted by Section 3 of my Security Instrument, which explicitly states : 'Lender may waive Borrower 's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. ' I then submitted a formal written waiver request to the servicer 's Vice President of Operations, citing this language and my current XXXX of approximately 25.5 % ( {$92000.00} balance against a {$360000.00} assessed property value ). I requested either approval of the waiver or a formal denial citing specific contractual language or regulations prohibiting it. The servicer denied the request, this time citing internal servicing policies, unspecified agency and investor guidelines, and XXXX XXXX conditions none of which were identified specifically. No contractual language was provided to support their position. Across three responses, the servicer offered three different and inconsistent justifications for denial, none grounded in the actual loan documents. The loan documents contain no language supporting the servicer 's position, and the waiver provision written into my XXXX XXXX was never addressed or rebutted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have a private student loan serviced by Firstmark Services that is currently reporting as a COLLECTION ACCOUNT on my credit report with a past due amount of approximately {$68000.00}. The initial loan amount was for {$51000.00} and over some time I was able to get that down to {$47000.00}. Unfortunately, I hit a financial hardship and what is owed now outstands the initial loan amount because of interest. I contacted Firstmark repeatedly seeking hardship options or an affordable repayment plan. On XX/XX/XXXX I believe, I spoke with a representative named XXXX in the post default department. She stated that the loan will never come out of collections unless it is paid in full or through settlement. She stated Firstmark offers no hardship programs or assistance options. The only options offered were a lump sum settlement of approximately {$37000.00} due immediately, or payments of approximately {$1100.00} {$1300.00} per month for 36 months. These payments are not affordable. My take-home income is approximately $ XXXX and my necessary expenses are approximately $ XXXX. This was explained to two different representatives that after monthly bills are paid, I only have about {$600.00} to live off of and I have a child to take care of with that money. I was also told Firstmark offers an affordable payment plan where I can pay an agreed amount, but interest continues accruing and the account remains in collections. This does not resolve the debt and does not allow me to return the loan to good standing. Interest on the loan every month is about $ XXXX {$360.00} which means even if I am able to send {$200.00} a month, the loan will continue to grow, ultimately never being paid off. I am now concerned for retaliation by the company because I stated on the recorded call that I would be filing a complaint against them for refusing to work with me. I also stated that I do not want to ignore the loan - I would like to pay the loan and work with them but they are giving no feasible options. I am requesting that Firstmark provide a reasonable repayment or settlement option based on my financial hardship and provide a structured agreement that resolves the debt and results in accurate credit reporting. I am also requesting written documentation of all settlement terms and credit reporting outcomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
In XX/XX/year> I called a company that said I had a closed collections with to pay, they said they dont have it, it was sold to XXXX XXXX. I called them for a payoff and they also said they no longer had it but another company so I called that company and they too also said they dont have it and they didnt know where it went. So then I disputed it through XXXX and got the results of unknown. When I called and asked what that meant no one could give me an answer. I also asked if the agencies can not find this debt why was it still being reported and couldnt get answer about it. I then proceeded to call XXXX XXXX again and couldnt get an answer. Im requesting a full report on the dispute and results to be mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Novo Platform Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Novo and its partner bank, XXXX XXXX XXXX, XXXX, regarding a prolonged hold placed on funds deposited into my business account. More than XXXX month ago, payments from my customers were deposited into my Novo business account. Since then, the funds have been placed on hold, and I have repeatedly been informed by Novo that the matter is being handled by their partner bank, XXXX XXXX XXXX, XXXX. Despite multiple attempts to obtain clarification and resolution, I have not been provided with a clear explanation for the hold, nor have I been given any timeframe for when the funds will be released and made available for withdrawal. The responses I continue to receive are vague and unhelpful. These funds belong to my business and include customer payments necessary for daily operations, expenses, and fulfilling obligations to clients. Holding these funds for such an extended period without transparency or resolution is causing serious financial hardship and negatively affecting my business operations. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that my funds are released promptly or that I receive a clear and lawful explanation for the continued hold. I am prepared to provide supporting documentation, including account statements, payment records, and communications with Novo regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Onity mortgage mailed a hard copy of the modification. I was instructed to mail it back in the original envelope. This was done and included a postal tracking number. I provided the tracking number to Onity mortgage 4 times with 4 different representatives. The tracking number is : XXXX Onity underwriting department refuses to recognize the delivery. I also emailed a copy of the signed last sheet. Onity mortgage signed and recieved the signed modification on XX/XX/XXXX at XXXX XXXX at their XXXX XXXX XXXX location. The underwriting department is now refusing the modification because it only want to look at the email verification and not the actual signed document mailed back I have copy of the receipt and tracking number attached. Now Onity wants to send out a new modification, due by XX/XX/year>, that they say was mailed on XX/XX/year> as of today XX/XX/year> I have not recieved the new package. Onitiy is playing games to cause financial XXXX to senior citzens to take back their property for their lein holders. I have included a copy of the orignial XXXX tracking numer of the original mailed signed modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I believe that I have been a victim of predator mortgage refinance loan. PHH now Onity Mortgage owned by XXXX. I have done my best to get help with this but this particular company is not very helpful. My rate is 9.8650 1 % goes to principal and there is a pre payment penalty. I need help please help me

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: OR

Complaint narrative:
On XX/XX/year> I contacted One Main Financial inquiring on the total amount on my loan I will owe due to their app and website giving an amount of money owed but disclaiming " This is not your pay off amount. '' Per Oregon SB430 and TILA I emailed a request clarifying the total amount and transparency of the loan and fees. I requested that the information be done via email or in writing and they keep telling me to call them, I don't want to call, I want it in writing. Also, my paperwork signed with them and prior mail does not give me the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I have no knowledge of this account. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief