vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I am filing a complaint against National Credit Systems regarding inaccurate debt reporting. The account balance of {$7400.00} is incorrect and contains multiple discrepancies based on the itemized statement provided. Specifically : - The statement shows a security deposit credit of {$240.00}, yet also indicates no deposit was applied. - The account includes both XXXX rent charges and a lease termination fee of {$1600.00}, which appears to be duplicative. - An eviction fee of {$250.00} was charged despite no formal eviction taking place. - Late fees totaling {$330.00} appear excessive and have not been validated. - The total rent claimed of {$4900.00} suggests multiple months of rent without clear justification. I attempted to dispute this account, but the company has refused to properly investigate further disputes. The representative was very unprofessional and told me I could not dispute this item because I had already disputed twice. Due no new information had been provided to change that status she refused to assist and even hung up on me. I called back with the same results and asked to speak to management with no results. the recording when calling this company is very misleading stating they are there to help with any debt that may be incorrect or not valid, and this is the total opposite of the service I received. I even stated this to the assistant with no results. I did not deny owing a balance just not the balance shown. They again were unwilling to work with me in any way. I am requesting : - A full investigation - Correction or deletion of inaccurate information - Proper validation of all charges This inaccurate reporting is negatively impacting my credit and must be corrected. Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
o Whom It May Concern, application ID XXXX I am submitting this complaint regarding Barclay Financials failure to properly process my identity verification despite multiple documented attempts, as well as concerns related to the handling of my sensitive personal information. I applied for financing in connection with the purchase of a new XXXX XXXX. As part of the verification process, Barclay Financial requested copies of my drivers license and Social Security card ( front and back ). I fully complied and submitted the requested documents via fax on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Despite these repeated submissions, I was informed each time that my identification documents were unclear or unreadable. However, during this same process, my utility billsubmitted through the same fax transmissionwas successfully received and accepted. This inconsistency suggests a failure in Barclay Financials internal document processing procedures rather than any deficiency in my submissions. After multiple attempts, I am now being instructed to mail highly sensitive personal documents, including my Social Security card. I consider this request unreasonable and potentially unsafe given : The number of prior submissions already provided The risk associated with mailing sensitive personally identifiable information ( PII ) The lack of a secure, modern alternative submission method This process has caused unnecessary delays, created an undue burden, and raised serious concerns about Barclay Financials ability to securely and competently manage consumer data. Desired Resolution : Immediate review and escalation of my case by a senior resolution team Acceptance and processing of the documentation already submitted, or clear and consistent requirements that will be honored upon resubmission Provision of a secure method ( e.g., encrypted upload portal ) for submitting sensitive documents Prompt completion of my application without further delay If this matter is not resolved, I am requesting that appropriate oversight be applied to ensure Barclay Financial improves its document handling and consumer data protection practices. 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 2026-04-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: PA

Complaint narrative:
I enrolled in a debt settlement program with Beyond Finance on XX/XX/year>, with a 48-month program term and a bi-weekly deposit of {$150.00} from my XXXX XXXX checking account. My total enrolled debt was {$17000.00} across four accounts : XXXX XXXX, two XXXX accounts, and Pennsylvania XXXX XXXX XXXX XXXX. Three of my four accounts have reached settlement and payments are in progress. However, my fourth account ( XXXX XXXX XXXX XXXX XXXX, {$4600.00} ) has been in Negotiating status for approximately two years with no resolution or clear timeline provided to me. My concerns are as follows : 1. Despite three of four accounts being settled, Beyond Finance has not adjusted my program term or deposit amount. I am being held to the full 48-month term and continuing to pay {$150.00} bi-weekly, which will total approximately {$17000.00} in deposits by program end. 2. When I contacted Beyond Finances customer service to request information about the XXXX XXXX XXXX account and whether my program term could be reduced given my progress, I was met with unhelpful and dismissive service. I was given no substantive answers. 3. I am concerned that I am being charged ongoing monthly fees ( {$10.00} service fee and {$14.00} BLP fee ) with no clear justification for the continued program length now that most accounts are resolved. I am requesting that Beyond Finance provide a clear written timeline for resolution of my XXXX XXXX XXXX account, a formal review of whether my program term and deposit amount can be reduced given that 3 of 4 accounts are settled, and a complete accounting of all fees charged to date. Program Name : XXXX Account opened : XX/XX/year> Managed by : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: Kikoff Inc.
State: TN

Complaint narrative:
I first made the account and they said it was free so i do now understand why i am being charged if i didnt receive any money from them?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as TRUEACCORD C - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that TRUEACCORD C has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I have noticed COLLECTECH DIVERSFD INC account # XXXX XXXX XXXX XXXX XXXX on my report, but I did not have an opportunity to dispute it. If you believe proper notification was sent, please provide a copy of the certified mail receipt showing my signature. If no such notice exists, I kindly request that you remove COLLECTECH DIVERSFD INC account # XXXXXXXX XXXX XXXX XXXX XXXX from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Aidvantage calculates my monthly Income Driven Repayment ( ICR ) to be {$2200.00}. I have written numerous letters asking for an explanation of how they came to this payment however I continue to receive responses telling me my payment is {$2200.00}. Here are the particulars : My loan balance is high at {$720000.00} however ICR uses the formula as outlined below for the monthly payment. My XXXX XXXX is {$100000.00}. Based on the calculations the ICR uses, my payment should be {$1400.00}. 1. Poverty guideline ( family size XXXX, XXXX ) XXXX XXXX. Discretionary income ICR defines discretionary income as : Income minus the amount the government considers necessary for basic living expenses ( which is {$20000.00} for a family of two ). So : $ XXXX $ XXXX XXXX. Annual ICR payment ( 20 % ) XXXX x 20 % XXXX XXXX. Monthly payment $ XXXX {$1400.00} The letter I received states ( attachment 1 ) The ICR plan is a repayment plan with monthly payments that are the lesser of ( 1 ) what you would pay on a repayment plan with fixed monthly payments over 12 years, adjusted based on your income or ( 2 ) 20 % of your discretionary income divided by 12. So the {$2200.00} payment Aidvantage calculates doesnt seem to be the correct result which should be {$1400.00}. Steps I have taken at this point to resolve the matter : 1-A number of written requests either through their online portal or through e-mail to show me how my payments were calculated. Attachment 2 is one example of my request for how the payment is calculated. 2-Numerous calls to phone representatives. Although the representatives are always friendly and always say they will submit whatever requests for re-calculations they can, I get no responses to those calls. Not being sarcastic but I believe that Aidvantage uses AI to respond to queries and AI is not intuitive enough to model a proper response and may be why I do not get a straight answer no matter how many different ways I ask it. The response is always the same giving me what I believe to be the inaccurate monthly payment of {$2200.00} and never explaining how this was calculated. I am attaching, Attachment 4 as an example of a response I get. 2-A request for mandatory forbearance was submitted on XX/XX/XXXX ( attachment 3 ) however I have heard nothing back. Mandatory forbearance is a payment pause that your loan servicer is required to grant you if you meet certain qualifying conditions. If student loan payments exceed 20 % of your monthly income : If required payments ( not IDR payments ) exceed 20 % of your monthly income, you qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am the President and CEO of XXXX XXXX, a legally registered asset management company. I have one active business account at Bank of America with {$23000.00} in it. I have been a Bank of America business customer for three years. XXXX is the parent company to three subsidiaries : a skincare business, a transportation and logistics business, and a credit repair business. All business activity is legitimate and documented. Approximately two and a half weeks ago, Bank of America froze my business account without any written notice or explanation. The deposits in question came from verified accounts and checks from legitimate business transactions. I visited the Bank of America branch on XXXX XXXX in person and was told to call the fraud department. I called and was told the department that placed the freeze would contact me within one week. Nearly two and a half weeks later, I had received no contact. I then visited a second Bank of America branch in XXXX, Illinois in person. They again told me to call the same number. I called from that location and spoke with a representative named XXXX from Florida on XX/XX/year> at XXXX XXXX. He was dismissive, placed me on hold multiple times, then rushed back to say my account was still under review and that they would contact a verified number then hung up on me. I have his name, the time of the call, and this call was recorded. I have recently been approved for my XXXX XXXX XXXX. My trucking business is fully operational and ready to generate revenue. I can not access my capital to run my business. Every day this account remains frozen is direct financial harm to my company and my livelihood. I have visited two branches in person, made multiple calls, and have received no resolution or explanation after two and a half weeks. I have documentation for all business activity. I am requesting immediate review and release of my 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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am a victim of identity theft My personal information was compromised and has been fraudulently used without my knowledge or consent. I would like to have the following accounts removed from my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/DEPT XXXXXXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
I told the company not to reach out to me anymore, but to the CFPB and to give you guys all the information of the debt. I called them. They told me they was told not to contact me, which is true, but I never told them not to contact CFBP with full details of the debt, and lease agreement in my wet signature on the new lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MI

Complaint narrative:
I am filing a complaint regarding the reporting of late payments on my student loan account with EdFinancial. My account currently reflects a forbearance status through XX/XX/XXXX, and I have not received any communication from the servicer since approximately XX/XX/XXXX indicating that my loan had re-entered repayment. Due to the lack of notice, I was unaware that payments were due. As soon as I became aware of the issue, I immediately took action and enrolled in a hardship program, which resulted in my past due balance being brought to {$0.00}. This indicates that I acted in good faith to resolve the account as soon as I had knowledge of the repayment status. Despite this, EdFinancial has reported XXXX late payments to the credit bureaus. I contacted the servicer to request correction, but they stated they are unable to remove accurate reporting and would not consider a goodwill adjustment. I am requesting an investigation into whether proper notice of repayment was provided and whether the account should have been reported as delinquent while qualifying for hardship/forbearance relief. I am also requesting that the late payment reporting be corrected or removed due to lack of communication and the retroactive resolution of the past due balance. Additionally, my student loans have been transferred between multiple servicers, which created confusion regarding where my loans were being managed. I was not clearly notified of the active servicer until XXXX, and at that point I was still in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing a complaint against JPMorgan Chase Bank regarding an extended hold placed on a verified cashiers check deposit. On XX/XX/year>, I deposited a cashiers check in the amount of over {$8000.00} into my Chase account. A hold was placed on XX/XX/year>. I was then informed that the funds would not be made available until XX/XX/year>. This results in a hold of approximately 7 business days after the hold date, which appears excessive given that the check has already been verified. I contacted the issuing bank, and they confirmed directly to Chase that the check is valid and backed by available funds. Despite this verification, Chase has continued to delay access to my funds without providing a clear or sufficient explanation. Under Regulation CC, while banks may place extended holds for large deposits, those holds must still be reasonable and based on legitimate concerns. Once a check has been verified, continued delay without justification is unreasonable. This delay is causing financial hardship, and I believe Chase is not acting in accordance with federal guidelines governing funds availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding the credit reporting of my former mortgage account by Carrington Mortgage Services. While Carrington has stated that the late payments reported between XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX are accurate, the reporting is materially incomplete and misleading in violation of the standards set forth under the Fair Credit Reporting Act ( 15 U.S.C 1681s-2 ) which requires furnishers to report information with maximum possible accuracy and completeness. During the time the late payments occurred, I had vacated the marital residence due to a divorce and no longer maintained control over the property or the payment process. This was a temporary and documented life event that directly impacted the payment history. The mortgage has since been paid in full through the sale of the home. The account is closed, carries a XXXX balance, and resulted in no financial loss to Carrington Mortgage Services. However the continued reporting of these isolated late payments XXXX without any context regarding the circumstances or the ultimate full satisfaction of the loan XXXX creates a misleading impression of ongoing credit risk. This is significantly impairing my ability to obtain new housing despite my otherwise strong credit profile, stable income and lack of debt. I previously submitted a goodwill request directly to Carrington Mortgage Services, which was denied with general statement regarding their obligation to report accurate information. My concern is not solely accuracy, but completeness and fairness in how the information is being represented. I am requesting that Carrington Mortgage Services conduct a reasonable investigation into this matter and consider a goodwill adjustment or removal of the late payment history given XXXX XXXX The temporary and exceptional nature of the circumstances ( divorce and relocation ) XXXX The fact that the loan has been fully satisfied. XXXX The absence of any loss to the lender XXXX The disproportionate impact this reporting is having on my ability to secure housing. I am seeking a fair resolution that reflects both the full context of the account and my current financial stability. Thank you for your review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I have sent dispute letters and called and I still have not received anything in writing. I need to verify this debt and resolve this issue. I do not recall owing this company that much money. Or if I owe them at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am filing a complaint regarding how Citibank handled my dispute involving transactions made through XXXX. I sent multiple payments for credit repair services that were clearly agreed upon, including an invoice outlining the services and expected timeline. The individual continued requesting additional payments and assured me that the services were being completed. However, no services were ever delivered, and communication eventually stopped entirely. This demonstrates a clear pattern of misrepresentation and deception. I submitted a dispute with Citibank and provided supporting documentation, including the invoice, payment records, and message history. Despite this evidence, my claim was denied solely on the basis that the transactions were authorized. The authorization was obtained under false pretenses, which constitutes a scam involving services not rendered. Citibank did not properly consider the full context of the situation or the documentation provided. I also requested clarification regarding how my dispute was evaluated and why my evidence was not taken into account, but I did not receive a meaningful explanation. I am requesting that this case be reopened, escalated, and reviewed appropriately as a scam and misrepresentation case, and that I be reimbursed for the funds lost.

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