vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have an RV/vehicle loan with Bank of America and have been unable to make principal-only payments despite multiple attempts over several days. Instead of applying additional payments to principal, Bank of America has been placing my account on paid ahead status, which advances my next due date rather than reducing my principal balance. This costs me significantly more in interest over the life of the loan and is not what I requested. On XX/XX/year>, I contacted Bank of America via their official messaging channel and stated that I was completely blocked out of communicating that I want my RV loan payment to go to principal only. Their representative ( XXXX ) responded on XX/XX/XXXX only by redirecting me to call XXXX, without resolving the issue. On XX/XX/XXXX, I again asked why Bank of America does not allow consumers to easily make principal-only payments. A second representative ( XXXX ) again redirected me to call the same number rather than addressing the issue. A {$7000.00} payment on XX/XX/XXXX was received and a {$2000.00} payment on XX/XX/XXXX was paid, but these appear to have been applied as paid-ahead status rather than principal reduction. I currently have a {$3000.00} payment in Processing with no clarity on how it will be applied. Bank of America has failed to provide a mechanism to designate payments as principal-only, has unilaterally placed my account on paid-ahead status against my wishes, and has deflected every inquiry rather than resolving it. I am requesting that all excess payments be retroactively applied to principal as directed, that paid-ahead status be removed, and that the bank explain why this basic consumer right has been systematically obstructed.

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 2026-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Account Number XXXX To Whom It May Concern, I am writing to formally dispute the account referenced above on my credit report. I have never opened or authorized any account with XXXX in XX/XX/XXXX or at any time. This information is inaccurate and does not belong to me. Under the Fair Credit Reporting Act, I am requesting an immediate investigation into this matter. Please provide the following documentation to verify this account : - A signed contract or application showing my authorization - Proof of identity used to open the account - Complete account records, including dates and activity If you are unable to provide this documentation, this account must be removed immediately from my credit report with all credit reporting agencies, including XXXX, XXXX, and XXXX. Please be advised that reporting inaccurate information is a violation of the Fair Credit Reporting Act, and I expect this matter to be resolved within the required timeframe. 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 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX XXXX from XXXX and I took out a loan from American Credit Acceptance for XXXX dollars and they charged 25 % interest which is OUTRAGEOUS but I only needed the loan for 2 weeks and then I paid it off on XX/XX/XXXX and XX/XX/XXXX for 2 payments of XXXX dollars and XXXX dollars and that covered the whole balance plus the payoff quote from them. So I paid XXXX dollars to cover interest for 12 days and that is way too much and outrageous. But American Credit Acceptance is still charging daily interest and adding it to the balance even though the loan was paid off with 2 bank transfers So I paid off the loan onXXXX The original loan amount was XXXX dollars and I paid a total of XXXX dollars. Despite this the company continued to add interest charges and has FAILED TO MARK THE LOAN AS PAID OFF IN FULL. I AM REQUESTING : -immediate correction of my account -written confirmation that the loan is paid in full - a full payment history -Refund of any overpayment This appears to be improper servicing and inaccurate account handling I request a full investigation These are deceptive business practices from American Credit Acceptance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am disputing this debt because it originated from a deceptive 'buyout ' offer from XXXX XXXX XXXX A representative promised that XXXX would pay off my existing T-Mobile account if I switched. XXXX failed to honor this agreement. Because the contract was based on a promise that was never fulfilled, I do not owe this debt. I switched back to my original carrier once I realized I had been misled. I am requesting that this collection be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Mortgage — Other type of 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: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Consumer Protection / Solar Loan Fraud Case Summary I am requesting legal assistance regarding a solar panel loan issue with GoodLeap. Background : I entered into a solar panel agreement through XXXX XXXX XXXX ( installer ), which is now bankrupt. The loan was financed through GoodLeap and is currently in my name. My former partner instructed me to sign documents under the explanation that I was only confirming home ownership. I later discovered that I had entered into a long-term loan agreement without fully understanding the financial obligation or terms. Issues : Loan was opened in my name under misleading circumstances involving my ex-partner Possible lack of informed consent regarding the full loan terms Monthly payments increased from approximately {$130.00} to {$230.00} without clear explanation Installer ( XXXX XXXX ) is now bankrupt, and I have no service support Potential misuse of my Social Security information and signature Impact : I am now responsible for a loan that I believe was not fully or properly explained to me. I am experiencing financial hardship and uncertainty regarding the validity and fairness of this agreement. What I am requesting : Legal review of potential misrepresentation or fraud Assistance disputing or renegotiating the loan with GoodLeap Guidance on possible cancellation, settlement, or legal remedy Protection of my credit during dispute resolution I am seeking help on a contingency basis or through legal aid due to financial limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NY

Complaint narrative:
I requested a quote with a moving company and instead gave me a appt.i requested a cancellation and they never answered me back. I resched out to cancel multiple times with no luck even emails.i informed my bank to not allow this transaction and it was still able to pass. They are refusing me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal is unjustly holding {$15000.00} of my operating XXXX via an automated XXXX XXXX , ' using false algorithmic reasoning that directly contradicts their own human underwriting department 's decisions. As evidence, I have attached three screenshots of emails directly from PayPal that perfectly document the contradictory and broken nature of their internal systems : 1. XX/XX/year> : An email confirming I was successfully operating near a {$75000.00} instantly available limit, establishing my business 's verified and trusted history with PayPal. 2. XX/XX/year>, at XXXXXXXX XXXX : While my account was under manual review ( where I explicitly documented my strict 1-to-7 day delivery timeframes ), an automated risk bot suddenly placed a {$15000.00} XXXX XXXX ' on my account. The bot falsely cited " prolonged delivery timelines '' as the reason for the hold. 3. XX/XX/year>, at XXXX XXXX ( Exactly 17 minutes later ) : PayPal 's human Underwriting team formally concluded their manual review and sent an email stating, " Your account has been restored '' ( Ref ID XXXX ), officially removing the limitation. Despite human underwriters officially clearing my account at XXXX XXXX, PayPal is allowing the XXXX XXXX automated bot error to stand. The bot 's excuse of " prolonged delivery '' is demonstrably false and directly contradicts the very documentation their own staff just approved. Furthermore, PayPal independently verified a recent transaction directly with my buyer, who confirmed full delivery and satisfaction. PayPal relies on broken automated algorithms without adequate human oversight. They are forcing me to act as unpaid quality assurance to point out the massive contradictions in their internal systems, causing immediate and severe financial hardship. I will not allow PayPal to use my fully earned, undisputed funds as an interest-free corporate security deposit based on a factually incorrect algorithmic error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
* * THIS IS A NEW AND DIFERENT COMPLAINT, NOT THE SAME AS THE LATE PAYMENTS THAT WERE NOT ACCURATE. ACCOUNT NOT CLOSED, LOST PAYOFF, NOT XXXX BALANCE * * Company : * * Santander Consumer USA * * Issue : * * Incorrect balance reporting / Failure to apply payoff * * Complaint : * * I am filing this complaint regarding Santander XXXX XXXX mishandling of a total loss payoff and the resulting inaccurate credit reporting on my account not showing closed with a XXXX balance. And this needs to be retro applied, all they keep sending me is the same letter stating as of XX/XX/XXXX I am not responsible for the lease but may owe more $ $?? My insurance company issued a payoff check to Santander, which was * * confirmed delivered on XX/XX/XXXX * *. Despite receipt, Santander failed to properly process the payment and, at one point, indicated the payoff had been lost, causing significant and unnecessary delays. After repeated follow-ups, Santander has now * * cashed the payoff check * *, yet they have still failed to : * Apply the payoff correctly to my account retro back to when they lost it XX/XX/XXXX * Update the account to reflect a * * XXXX balance * * ; and XXXX it out as of XX/XX/XXXX when they signed for the payoff check via XXXX * Close the account as paid in full * Correct this information being reported to the credit bureaus As a result, my credit report continues to reflect an * * open account with an outstanding balance * *, which is inaccurate and damaging. This situation has caused ongoing harm, including : * Risk of negative credit reporting and score impact * Inability to move forward cleanly following a total loss settlement, total lose was determined and they were advised back on XX/XX/XXXX * Significant time and effort spent attempting to resolve Santanders internal errors * * Resolution Requested : * * 1. Immediate application of the payoff funds recived and back date to XX/XX/XXXX and confirmation of a {$0.00} balance as of XX/XX/XXXX XXXX. Closure of the account as * * paid in full due to insurance payoff * * 3. Correction and update to all credit reporting agencies to reflect accurate account status 4. Written confirmation that no late payments, delinquencies, or negative marks related to this delay will be reported 5. Explanation of how this error occurred and what steps are being taken to prevent recurrence Santanders failure to timely and accurately process a clearly delivered and now negotiated payoff check is unacceptable and has resulted in avoidable financial and credit harm. I am requesting prompt resolution in accordance with applicable federal consumer protection laws. I expect immediate correction of my account and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I was a victim of a sophisticated impersonation scam. Criminals impersonating Wells Fargo and FBI accessed my online banking account and transferred XXXX dollars and made a XXXX cash advance on my credit card to my savings account. I was told that the FBI was depositing XXXX dollars to my savings account and under psychological manipulation caused me to withdraw the XXXX dollars to individuals posing as FBI agents in XXXX XXXX, Texas. Wells Fargo issued three letters : Claim # XXXX XX/XX/year>, denying the check fraud claim. XX/XX/year>, Claim # XXXX was issued a denial on the credit card fraud. XX/XX/year>, Wells Fargo adjusted the credit card back to the original balance and took money from my savings account to cover the loss of the fraudulent transfer. Received letter on XX/XX/year>, dated XX/XX/year>, the letter does not indicate the word " DENIED '' and states the claim as " resolved '' with " adjustments completed '', as of XX/XX/year>, there has been no money credited to my account. Wells Fargo has not provided clear approval or denial for this claim as required under Regulation E, nor have they provided the specific legal basis for any denial. I am requesting the CFPB require Wells Fargo to : ( 1 ) clarify in writing whether claim # XXXX was approved or denied : ( 2 ) if denied, provide the legal basis as required by Regulation E : ( 3 ) conduct a full Regulation E review of the unauthorized checking to savings transfer initiated by the criminals without my authorization : and ( 4 ) return the XXXX dollars back to my savings improperly reversed by Wells Fargo from my credit card.

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 2026-04-26 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/XXXX an account with Barclay was opened under my name without my consent. A charge of {$4200.00} was made. A monthly auto payment of {$100.00} and {$290.00} were added. I called Barclay in XXXX of XXXX to report fraud. I received a message denying the fraud on XX/XX/XXXX. XX/XX/XXXX I sent a letter requesting proof from them that it was me who opened the account. I asked specifically for : the original account application, whether or electronic, Any and all signatures associated with the application, including electronic or digital signatures, Records, identifying the date and time the account was allegedly opened, The physical location or branch where the account was opened or if opened online the originating IP address, Any device identifier your device fingerprints or login records associated with the application, And any documentation demonstrating my explicit consent authorization for this account. I did not receive a response. On XX/XX/XXXX I called because I was still receiving statements. They informed me the fraud case was still open and my account should be frozen and no new charges would be added. This was not true. On XX/XX/XXXX I received a message from Barclay saying the charges were valid. They did not provide any evidence on how they came to that conclusion.

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 2026-04-26 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: United Shore Financial Services, LLC
State: MN

Complaint narrative:
I am filing a complaint regarding my mortgage companys handling of my forbearance, loan modification request, and credit reporting. Due to financial hardship, I entered into a forbearance plan with my mortgage servicer. I complied with the terms of the forbearance and made efforts to communicate and seek assistance before, during, and after the forbearance period. At the end of the forbearance, I requested a loan modification to bring the loan current and establish an affordable payment moving forward. However, the mortgage company has : Failed to provide clear or consistent information about available loss mitigation options Delayed processing of my loan modification request despite timely submission of required documents Repeatedly requested duplicate or already-submitted documentation Not provided clear written explanations for any denials, delays, or next steps Continued to treat my loan as delinquent without offering a reasonable resolution In addition, the mortgage company reported my loan to the credit reporting agencies as more than 150 days delinquent without providing proper notice to me and while I was actively attempting to resolve the situation through forbearance and loss mitigation. This has negatively impacted my credit and was done without clear communication or opportunity to address the issue. Communication overall has been inconsistent, and I have not been given a clear timeline or reliable point of contact. These actions have created confusion, financial harm, and unnecessary risk of further delinquency or potential foreclosure, despite my good faith efforts. I believe the mortgage company has not properly followed loss mitigation requirements and has failed to act in good faith in both servicing my loan and reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/year> Amount {$830.00} Trying to make payments not accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: OK

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX ) XXXX XXXX Navy Federal Credit Union Attn : Tax Reporting / Account Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Request for Form XXXX ( Cancellation of Debt ) To Whom It May Concern, I am requesting issuance of IRS Form XXXX for any account ( s ) you allege were charged off, canceled, settled, or otherwise discharged. Please provide the Form XXXX for the applicable tax year ( s ), along with supporting documentation. Account Information ( if known ) : Account Number : XXXX Original Creditor : Navy Federal Credit Union Approximate Date of Charge-Off/Settlement : XX/XX/year> If no Form XXXX was filed, please provide a written statement confirming : 1. Whether the debt was canceled, discharged, or forgiven, and 2. The date of identifiable event under IRS guidelines, and 3. The outstanding balance at the time of cancellation. Please send the requested documentation to the address listed above within 30 days. This request is made for tax reporting accuracy and recordkeeping. Sincerely, Signature : 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 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
Tried to contact to make payments and never could get a hold of them then they charged it off and sent it to collections and now I still can not get it handled

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: MO

Complaint narrative:
I put my student loans into deferment because I could not pay. They were removed and added back on to my credit as active. I would like my student loans back in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
On XX/XX/year> I sent a letter to the company asking for proof that the contract was originally with them and proof that i originally had an account with that company. On XX/XX/XXXX they proof that my contract was indeed not with them and the received the information from a different company. The owed was not with their company

Company response to consumer: Closed with explanation