vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, we made a payment by phone to Kia Finance America. After this, our online account access was blocked, preventing us from viewing statements, confirming payment status, or reviewing the account. While we were actively trying to resolve the issue and obtain account information, a repossession agent attempted to take our vehicle from our home. We contacted Kia Finance and spoke with a corporate representative named XXXX who acknowledged that blocking our account access was improper and stated she would review the account and halt the repossession process while the issue was investigated. She provided a direct phone number and stated she would call back Tuesday or Wednesday with an update. We have since called multiple times and left voicemails but have received no response. When we contacted Kia Finance customer service, they stated that the repossession had not been suspended and they were unable to provide access to the account or clear information about the balance or payment status. We are requesting written confirmation that the repossession process is halted while this issue is reviewed, restoration of our online account access, and clarification of the payment status on the account.

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 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I am writing to file a complaint against Aidvantage regarding their failure to process my Income-Based Repayment ( IBR ) application and their subsequent misrepresentation of my rights as a federal student loan borrower. On XX/XX/XXXX I submitted a complete IBR application through Aidvantage using my XXXX federal tax return, which reflects an annual income of approximately {$60000.00}. This is my most recently filed tax return and I am legally entitled to use it as the basis for my IDR application. Aidvantage cancelled my application without providing any reason code, explanation, written notice, or documentation. When I contacted Aidvantage by phone to inquire, a representative told me that I should simply reapply in XXXX. This is incorrect federal student loan borrowers have the right to apply for income-driven repayment at any time, and no basis exists for requiring me to wait until XXXX to reapply. I am currently in deferment on my federal student loans until XXXX. I wish to exit deferment and enter active IBR repayment, which would begin accruing time toward loan forgiveness. Aidvantage 's failure to process my application is preventing me from doing so, and interest may be accruing on my balance in the interim. I am requesting the following resolution : 1. Reinstatement and processing of my original IBR application, with the effective date reflecting my original submission date of XX/XX/XXXX XXXX. Written documentation from Aidvantage explaining the specific reason my application was cancelled. 3. Written confirmation of the current status of my loans, including whether interest is accruing and under what terms. 4. Confirmation that I will not be penalized for the delay caused by Aidvantage 's processing failure. This pattern of behavior cancelling applications without explanation, providing inaccurate information about borrower rights, and failing to process requests in a timely manner is consistent with documented complaints against Aidvantage and represents a failure to fulfill their obligations as a federal student loan servicer. I have also filed a complaint with the Federal Student Aid Ombudsman and the Massachusetts Attorney General 's Student Loan Assistance Unit. I am requesting that the CFPB investigate this matter and assist in ensuring my rights as a borrower are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I am a current Rocket Mortgage customer with a primary fixed-rate mortgage at 2.99 % I contacted Rocket Mortgage seeking a {$22000.00} debt consolidation loan ( HELOC ). The loan officer, XXXX XXXX XXXX ( XXXX # XXXX ), engaged in deceptive steering by aggressively pushing me to refinance my entire home at 7.22 % instead of providing the second-lien product XXXX requested. This " Loan Flipping '' attempt would have cost me tens of thousands of dollars in unnecessary interest over the next 26 years. The officer used high-pressure tactics, refused to provide me time for math for me to digest, and appeared to target a perceived language barrier. I believe this constitutes a UDAAP violation ( Unfair, Deceptive, or Abusive Acts or Practices )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Central Portfolio Control Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
On XX/XX/year>, I contacted Monterey to prevent any negative credit reporting and to set up a payment arrangement due to temporary financial hardship. During that call, I spoke with a Monterey representative who advised that I could establish a payment plan that would secure my account and protect me from negative credit reporting while I worked through a short period of unemployment. Based on that representation, I agreed to the payment arrangement in good faith because my intent was to remain compliant, communicate early, and avoid any delinquency reporting. On XX/XX/year>, I received an alert that Monterey reported a 30 day late payment on my credit. I called Monterey immediately on XX/XX/year> to address the issue. During this call, a different representative advised that the XX/XX/XXXX representative was wrong and stated that Monterey will continue reporting 30 day late payments each month until the balance is paid, even though I had already set a payment arrangement specifically to prevent negative credit reporting. This is contradictory and misleading. I contacted Monterey in advance, disclosed financial hardship, and relied on the information provided by the XX/XX/XXXX representative that the payment plan would protect my credit while I stabilized. If a payment arrangement does not protect the account from negative credit reporting, that should have been clearly disclosed before I agreed to it. I would have requested different options or escalated the call at that time. I did the responsible thing by calling ahead and making arrangements. I have a history of paying this account, and I have not attempted to avoid the debt. I communicated early and acted in good faith. It is also concerning that the XX/XX/XXXX representative did not appear to clearly recognize the payment plan until I referenced it. This suggests poor documentation, poor training, or inconsistent policy communication, which directly harmed me through credit reporting. If Monterey can not honor what was represented to me when I established the plan, then Monterey should correct the harm caused by its inaccurate or misleading communication and remove the derogatory reporting 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 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC
State: KS

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX from CrossCountry Mortgage told me that if I refinanced my home with them, it would not restrict my options to rent out the home in the future, should my plans change. Specifically he said, " if you end up renting it out within a year just let us know '' and " if you are living in the house at time of closing there is no minimum waiting period to rent out the house afterwards. That is all that matters ''. This alleviated my anxiety that refinancing would restrict our future flexibility. In XXXX, XXXX, I refinanced with CrossCountry following this advice. After refinancing, on XX/XX/XXXX, I was offered a new job with XXXX as XXXX XXXX of XXXX. This job led to a move to the XXXX XXXX. I followed CrossCountry XXXX advice and let them know in advance that I would like to rent out the home starting in XXXX, XXXX, due to the new job and relocation -- they responded in writing on XX/XX/XXXX that I will not be allowed to rent out the property until XXXX year has passed ( even though it will remain our sole home owned ). CrossCountry Mortgage clearly behaved unethically and dishonestly in order to obtain our business. I have email and letter documentation to backup these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
b"On March 6th, 2026 I deposited XXXX (worth approximately $1000 USD at time of transfer) Ethereum into my Robinhood brokerage account to receive the 2% crypto match they are offering right now.\nUpon deposit I sold the ethereum, and withdrew $XXXX to my bank card.\nThe remaining $XXXX I later tried withdrawing to my bank account when Robinhood flagged my account.\nThe following morning they asked for my drivers license, facial scan and bank statements which I immediately sent in within XXXX minutes of when I woke up on march XXXX.\n\nInitially my case said it would be reviewed by XXXX. This changed to XXXX on XXXX Then to XXXX on XXXX, then to XXXX on XXXX and will likely be pushed again to XXXX tonight, XXXX.\n\nI have emailed Robinhood three times attempting to establish communication and receive a clear timeline for resolution however every email is met with an automated response and an immediate closure of the support ticket.\nI then attempted to have them call me today XXXX, after XXXX minutes of waiting in queue they initiated a phone call and when I moved my finger to press accept they hung up, only having letting it ring for about XXXX XXXX seconds before hanging up on me.\n\n\nThey are not reachable for information, not providing a clear timeline of resolution, not communicating, and not unfreezing my assets. I am not sure what to do now other than ask government agencies for help in recovering my money from Robinhood (fitting company name for what they're doing)"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Marauder Corporation
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I opened a Coinbase account and deposited {$3000.00}. While I was trading, my account suddenly got restricted and I was asked to complete self-verification. I completed the verification more than XXXX times, but my account is still restricted and the issue has not been resolved. On top of that, I purchased a membership for {$300.00}, but because Coinbase restricted my account, I was unable to use the service at all. I paid for the membership less than an hour before the restriction happened. Your support team is telling me that I can not trade until tomorrow and that the membership can not be refunded. That is completely unreasonable. I paid for a service that I can not even use because of a restriction placed by Coinbase. So am I supposed to just pay for a service I can not use? If this issue is not resolved immediately, I will proceed with filing a formal complaint with the CFPB and other relevant regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I signed up for the Barclay XXXX Frontier Airlines credit card in XXXX of XXXX ( XX/XX/XXXX ), but have not received the " Gold Status '' on my XXXX frequent flyer account that I am due as a credit card user with spending beyond the Gold status requirement during the promotional XXXX month period. I called XXXX customer service previously ( twice... ) and the customer service associate was unable to correct the issue, therefore, I requested assistance through the Better Business Bureau. When I called Barclay XXXX, they referred me back to XXXX. A review of my mileage account clearly shows spending in excess of $ XXXX during the promotional XXXX month period associated with my credit card offer, which should have provided " Gold Status '' for the remainder of my card membership year. The CFPB needs to know this credit card and it's rewards program are a scam.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Today ( XX/XX/year> ) I received a letter informing me that the bank has decided to close my account without any kind of explanation as to why this decision had been made without my knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

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 2026-03-12 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: Self Financial Inc.
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I never consented to do business with this company. I never had a contract with this company. When I asked for the orginal creditor name and account number, the agent said the company requires {$1.00} for that information. How can I discharge this account without that personal information? I explained to him that I am the beneficiary of the name/account. I gave my name, address for the information.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I woke up to a message saying my account has been blocked due to suspicious activity. There was no suspicious activity. I received a phone call the day before from a number outside of XXXX XXXX number on their website. The gentleman stated he was from a call center and for me to give him my personal info to verify myself. I told him Id call the XXXX because I could not verify the authenticity of the call. Today I wake up with no account access, and the rep states my account is being closed in approximately XXXX days. I filed a different complaint to the handling of a company charging my account and XXXX failure to do an adequate investigation. I provided proof that I tried at all costs to remedy with the merchant and those attempts failed. Chase uses people with very little understanding of English, to where they dont realize what they are saying of the information being given. Chase failed me, and caused me to loose XXXX approx because my account is now negative because of their lack of investigating correctly. Who protects the consumers, why does the bank side with a shady merchant who is no longer authorized to transact in California. Who is being sued by several individuals in other states for deceptive practices. Where do I go to recoup when the company is under a shielded umbrella in XXXX. This is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Complaint Regarding Fraud Claim Denial Wells Fargo XXXX Account This issue concerns my Wells Fargo XXXX Banking account and a fraud incident that occurred on XX/XX/year>. On that date, I reported extensive fraudulent activity on my account. XXXX XXXX own system detected and flagged over XXXX fraudulent transactions and reversed more than {$12000.00} in unauthorized charges. However, XXXX transactions from the exact same merchant were not reimbursed, totaling {$3900.00}. Given that Wells Fargo determinedXXXX flagged XXXX transactions from the same timeframe and were found fraudulent, it is unclear how these XXXX charges from the same merchant were somehow determined to be authorized. I opened a formal claim to dispute these charges. The claim was denied with the explanation that I did not report my card as stolen. My card was not stolen. The charges were unauthorized transactions, which is why the fraud claim was filed in the first place. Additionally, on the same evening, there was a telephone transfer processed on the account that I did not authorize. No one at Wells Fargo has been able to explain how this transaction occurred or who initiated it. I have requested the full documentation and findings from the fraud investigation, including the basis for determining that these XXXX transactions were authorized while the other XXXX were considered fraudulent. Wells Fargo has refused to reopen the claim and has not provided any meaningful explanation. The letter I received contains no details regarding the investigation or the reasoning behind their decision. I visited a local Wells Fargo branch in an attempt to escalate the issue. The banker was helpful but explained that the branch does not have authority over the fraud claims department and could not assist further.

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 monetary relief
Consumer complaint received 2026-03-12 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:
This company is violating my rights they have not provided validation Information Under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Subject : Complaint Regarding Account Lockout, Lack of Loan Transparency, and Continued Autopay Withdrawals I am filing this complaint regarding Affirms handling of my account after it was compromised. My account was accessed without authorization months ago. Since reporting the issue, Affirm has locked me out of my account and I have been unable to regain access after multiple attempts with Affirm ( escalating my case ). Nor has Affirm provided me paper statements ( which I requested since they have locked me out of my account ). Today they provided me another case numbar : XXXX. Despite the account lockout, Affirm continues to withdraw autopayments for my loans. I have no ability to log in, review my account activity, confirm loan balances, verify whether payments are being applied properly, or determine whether unauthorized transactions occurred while the account was compromised. For several months I have been unable to : * Access my account online * Review loan balances or payment history * Verify whether payments are being applied to the correct loans * Confirm or dispute any unauthorized activity * Manage or cancel autopay * Receive statements or documentation showing the status of my loans I have also not received paper statements or any other documentation that would allow me to monitor my loan accounts while access remains blocked. Continuing to withdraw payments while simultaneously preventing me from accessing account records, verifying transactions, or managing my loans places me in an unfair position and prevents me from protecting myself against potential fraud or billing errors. As a consumer, I have a right to review my loan account information, dispute unauthorized activity, and understand how my payments are being applied.

Company response to consumer: Closed with explanation