vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: CT

Complaint narrative:
Recently, I received a XXXX branded Master Card from Imprint which I believe is issued the card through XXXX XXXX XXXX XXXX This card replaces a XXXX credit card, that has been discontinued, issued through XXXX. I do not want the XXXX XXXX. I activated the card online hoping to be able to cancel/closeout the account online but was instructed to call XXXX to close the account. Since XX/XX/year> on XXXX occasions I attempted to close out the account by calling that telephone number only to be placed on hold in excess of XXXX hour each time after being directed by a computer generated answering service. On each occasion I was never connected to a live person. The only mailing address that I have been provided is Imprint Payments, XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Imprint Payments, Inc.
State: IL

Complaint narrative:
I have been a XXXX XXXX XXXX customer since XXXX. Recently, the management of this card has been migrated from XXXX XXXX ( had no problems with them ) to Imprint. My XXXX XXXX XXXX was terminated on XX/XX/XXXX and the new card, which I never received, is to be active on XX/XX/XXXX. I have tried to contact Imprint numerous times but their customer service line is just an automated voice unit. That unit tells me that it can not send me a replacement card unless I provide the last four digits on the card I never received- which is an impossible task. It is impossible to get out of the voice unit to a live agent to discuss. Since I can not get a card, I have asked the unit to close my account as this whole process has been ridiculous. The unit tells me it can not close the account and will not transfer me to a channel where I can do so. I either want a replacement card or the ability to close my account. Imprint is offering neither and is the worst customer service experience I have ever encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: OH

Complaint narrative:
A company named Imprint took control of XXXX XXXX XXXX from XXXX XXXX They sent instructions to activate the new account but did not have any of the accurate information when I attempted to activate it. Attempts to contact the company through email and Phone, either result in being run in circles by artificial intelligence, customer support or being put on hold until their company terminates the call with a message that there are no agents available and to call back later. I have now been on hold attempting to reach an agent through various calls at different times of the day for over XXXX hours. At this point, I would not even be able to report fraud on my credit card so I just want to close my account. However, it is impossible to actually reach an agent to do anything with your account. This is a huge liability and disservice to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
Tried doing a settlement but it was still too high

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
i told them multiple times its not my debit and never had this company before

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: PA

Complaint narrative:
Tried to reach out to the company to make an agreement they told me no that I will have to pay in full amount

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Lendgo, Inc.
State: PA

Complaint narrative:
In or around XX/XX/year>, I received a mortgage advertisement from Lendgo via direct XXXX and XXXX. The advertisement prominently stated : " Mortgage Rates Hit 4.37 % FIXED '' and " No Hidden Fees or Costs ( 4.72 % APR ). '' At the time of this advertisement, and currently, verified market data from XXXX XXXX and the Federal Reserve shows prevailing 30-year fixed mortgage rates were approximately 6 % 7 %. A 4.37 % fixed rate with " No Hidden Fees or Costs '' is mathematically impossible in this interest rate environment without paying significant discount points ( prepaid interest ) upfront. The advertisement did NOT prominently disclose any requirement to pay points. The claim " No Hidden Fees or Costs '' falsely implies no points are required. This advertisement violates the Truth in Lending Act ( TILA ), Regulation Z ( 12 CFR 1026.24 ), which prohibits deceptive mortgage advertising. Specifically, it violates the prohibition against " bait and switch '' advertising where a rate is advertised that is not generally available to consumers under the terms stated. The advertised APR of 4.72 % is only 0.35 % higher than the 4.37 % rate, which mathematically confirms no legitimate fees or points are includedmaking the advertised rate impossible to obtain in the current market. Additionally, after inquiring through Lendgo 's platform, I began receiving an excessive volume of telemarketing calls from multiple third-party lenders. Despite requesting to be placed on internal do-not-call lists and utilizing call blocking tools, calls continue. This indicates Lendgo sold my personal information to third-party lenders without obtaining proper prior written consent, potentially violating the Telephone Consumer Protection Act ( TCPA ) and the newly adopted 1-to-1 consent requirements. I request that the CFPB investigate Lendgo 's mortgage advertising practices and require them to cease displaying deceptive rate advertisements that bear no relationship to actual market rates.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: LendingPoint Holdings LLC
State: CO

Complaint narrative:
I applied for a loan through what I thought was Lending Point in the amount of {$5000.00} after I received a link via text message. I received a questionable loan agreement in my email after applying. I did NOT sign nor did I agree to the terms of the loan. I did not authorize any deposits. I reached out to Lending Points customer service through their website to verify loan application status. They had no record of my application. The following morning an unauthorized mobile deposit was sent to my bank account for around {$980.00} dollars. I then received a text message stating a deposit had been made. I replied that I did not authorize the deposit and I was not signing any loan agreements as I verified through Lending Point they had not received a loan application from me. The text messages then became threatening stating they sent me money and I had to send money back to them. They said they would put an alert on my SSN as fraud and freeze my accounts and contact authorities if I did not send them money. I contacted my bank to return the deposit as fraud and then closed the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Levy & Associates, LLC
State: MD

Complaint narrative:
XX/XX/year> XXXX, XXXX Talked to the company about a XXXX incident that involved information about me from XXXX XXXX and the XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Information such as my Name, address, social security, date of birth date and potentially health related information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: WI

Complaint narrative:
I discovered that LMMINC is reporting a collection account connected to the same alleged XXXX debt that is already being reported by other entities, including XXXX and LOCKHART, MORRIS & MONTGOMERY. This creates duplicate and misleading derogatory reporting tied to the same alleged obligation. LMMINC is attempting to collect and report a debt that has already been charged off and placed with another collection agency. I disputed the account because the debt is not mine and because LMMINC failed to provide competent evidence proving it has legal authority or ownership rights to collect the alleged debt. I requested validation and chain of assignment documentation showing how LMMINC obtained legal standing to report or collect this account, but the company failed to provide sufficient proof. In addition, the account was not properly marked as disputed on my credit report. I believe LMMINC violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by attempting to collect disputed and unverifiable debt information, engaging in unfair collection practices, and furnishing inaccurate credit reporting information. I am requesting immediate deletion of the LMMINC collection account from all consumer reporting agencies and written confirmation that the account will not be reinserted or transferred to another collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
AidVantage approved the return of " Disbursement Refund '' to XXXX for {$57000.00}. After numerous calls to Aidvantage, the check has not been returned to XXXX, to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I took out a parent plus loan for my kid in XXXX. I mistakenly thought all his loans were co-signed. I was completely unaware that this single loan was my entire responsibility. All of his other loans are in deferment till XXXXXXXX XXXX XXXXXXXX. On XX/XX/XXXX I was notified by XXXX that my credit score dropped XXXX points. Upon receiving this information, I immediately looked into it. I opened an account with Aid Advantage. Discovered the error. Paid the account due in full on the same day. Later in the week I set up auto pay. I am appreciative of Aid Advantage for the loan. In hindsight, I do vaguely recall jumping through some hoops to acquire it as I was unemployed at the time, but I didn't think I was solely responsible. I understood that on XX/XX/XXXX when I looked into the issue. I understand that I made a mistake and am fully accountable for it. I do not agree with the depth of the penalty. My credit score dropped from XXXX to a XXXX overnight. This is not a true reflection of my creditworthiness. I made an honest mistake. I was wrong to assume that all the loans were co-signed. This loan was taken 5 years ago. A lot has happened since then and I'm not sure I was fully aware of what I did at the time. Truth be told if I was aware of this debt I would have been paying on it already. All I'm looking for is to get the negligent payment off my credit history. I'm not a bum. I pay my bills. You don't get a score of XXXX by being a thief. This whole thing has left me feeling embarrassed. When I look at my XXXX report I'm actually kind of insulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I am filing a complaint against a third-party debt collection agency for repeatedly requesting my employment information. The agency has asked for my employer details approximately 12 times despite my refusal to provide that information and my request that communications remain limited to the alleged debt itself. I believe these repeated requests constitute harassment and an unfair collection practice. I do not consent to disclosure of my employer information, and I am concerned the agency may attempt to contact my workplace or pressure me through employment-related threats. I request that the agency immediately stop requesting employment information, refrain from contacting my employer, and communicate with me only in writing regarding the alleged debt. I also request that the CFPB investigate this pattern of conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: FL

Complaint narrative:
I received a debt collection letter for a debt that I have no idea what it is for. There are no service dates on the letter. The only medical bill that I have received for this exact amount was paid in XXXX via check. There is no explanation or any information regarding this debt

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 2026-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: SC

Complaint narrative:
Issue : Misapplied payments, improper handling of forbearance, and failure to correct account errors. I am filing this complaint because my mortgage servicer has mishandled my forbearance, misapplied my payments, and failed to correct my account despite multiple attempts to resolve the issue. As a result, my XX/XX/XXXX payment is still showing as due, but my payment is being held in unapplied funds, and I am now at risk of being reported XXXX days delinquent even though I have made all required payments. Details : In XX/XX/XXXX, I requested a mortgage forbearance. I was approved for a forbearance effective XX/XX/XXXX through XX/XX/XXXX, with payments scheduled to resume in XX/XX/XXXX. In XX/XX/XXXX, I informed the servicer per their request that I no longer needed the forbearance for XXXX or XXXX and only needed it for XXXX. Because XXXX was the only month I kept in forbearance, my XXXX payment posted in XXXX, which is consistent with how forbearance payments are handled. I made all payments as follows : XXXX XXXX payment : Paid on XX/XX/XXXX ( posted on XX/XX/XXXX ) o XXXX payment : Paid on XX/XX/XXXX o XXXX payment : Paid on XX/XX/XXXX Despite this, the servicer continues to treat my account as if the full XXXX forbearance is still active. I continue to receive letters about mortgage assistance. My XXXX payment is being held in unapplied funds instead of being credited to my account for XXXX and my account still shows XXXX as unpaid, even though I paid it on XX/XX/XXXX. I have contacted the servicer multiple times, but my requests have gone unaddressed and the issue remains unresolved. The servicers errors have caused : An inaccurate delinquency status My account to appear past due when it is not The risk of being reported XXXX days delinquent, which would severely damage my credit Repeated, unnecessary mortgage assistance calls despite me speaking to XXXX different people to advise I no longer need mortgage assistance, and I only ended up needing it for XXXX only To add, the young lady I spoke to on XX/XX/XXXX, when my XXXX payment was made over the phone ( I have the confirmation ) I advised her as well that I no longer needed the assistance, she confirmed I was current on my mortgage and showing due for XXXX and asked if I wanted to go ahead and make that payment, and I did and it's been sitting in unapplied fund since then.

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 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: WI

Complaint narrative:
XXXX XXXX XXXX - XXXX {$600.00} Active {$590.00} Pay Now I am trying to pay in full instead of payments and interest that is occurring. They do not allow me online or do they answer any call or e-mails. I want them to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
I wanted to transfer money to my sister. I asked Customer Service how to do that. I FOLLOWED THEIR INSTRUCTIONS! & bank FROZE MY ACCOUNT my account for following their instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NEU Money, Inc.
State: AZ

Complaint narrative:
This credit card is a nightmare!!!!! I got my wallet and phone stolen, which they used my credit cards, I made a police report and they still didn't believe me and thought I was rude. They then said I cant use my card they kicked me out, which made everything in the app disappear ; including how much I owe, what payments I've made, ect. Then they keep on reporting me late to thr credit bureau which is in correct and especially for XXXX!. Then I tried paying from the app with my XXXX XXXX account and they chose to take it out of XXXX. So I was charged {$90.00} for late fee, ach fee, and return fee. Which ach and return fees are the same. Then I tried paying again yesterday and it said XXXX will be taken out and then today it said only XXXX, and it would have made me have another late payment if I didn't catch it in time. There are soooo many other things that they have charged me and done to me it is a joke. They should be shut down immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This is with Onit.Y formerly PHH. I was approved for a modification XXXX XXXX and made all payments in compliance with modification agreement. After every payment I asked if there was anything else needed from me and was told " no ''. Once again while making the final trial payment I asked if there was anything else needed from me and was told " no ''. I then received a letter that my loan was put into foreclosure status for not completing the terms of the modification agreement. When I contacted the servicer they stated that I did not sign a document only to find out they did not send the document. They also confirmed that it was their error on multiple occasions but they still l was holding me responsible and I needed to reapply. During the first modification my ex-husband name was removed and all documentation for this to be completed was confirmed to be received. I reapplied and was approved once again. They sent the paperwork including my ex-husband 's name. I reminded them that his name has been removed from the loan and he should not be listed or receive any information. They told me not to sign the paperwork but to make the payment on the first trial date while they review the file and update the paperwork. They first said that they never received the document needed to remove him but after taking the a look in the file they confirmed they located the document. I made the first payment on XX/XX/XXXX as instructed only to receive a phone call stating that they put me back in foreclosure and I would have to reapply. They accepted the payment and I have followed instructions and provided all requested documents only to be back at square one.

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 2026-05-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Reinstate Contractual Terms : Immediately restore the contractually mandated 60-month escrow shortage repayment schedule established under my original VA hardship loan modification. Cease Foreclosure and Collection Activity : Immediately halt all dual-tracking, collection demand letters, and foreclosure processes while this dispute is under regulatory review. Waive All Inaccurate Fees : Waive and completely remove all late fees, administrative charges, and penalties applied to my account for XXXX and XXXX XXXX.Protect Credit Reporting : Suppress and remove any negative credit reporting sent to XXXX XXXX XXXX XXXX regarding these disputed escrow amounts. Accept Lawful Payments : Instruct PHH to accept and properly apply my contractually accurate base modified payment amount of {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: OH

Complaint narrative:
XXXXopploans XX/XX/year> {$730.00}. I have no knowledge of this account and it was not opened by me

Company response to consumer: Closed with explanation