vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SERVICEMAC, LLC
State: GA

Complaint narrative:
I closed on a new refinance loan with XXXX Mortgage as the service provider in late XX/XX/year>. I set up automatic payments to pay my monthly amount due on the last day of each month. The payments were sent to XXXX Mortgage on XX/XX/year>, and XX/XX/year>, and deducted from my bank account on the same dates. XXXX Mortgage shows the payments were completed and applied to my XX/XX/year> and XX/XX/year> balances owed. I received a letter in the mail from XXXX Mortgage in XXXX that my loan will be " transferred from XXXX Mortgage to ServiceMac LLC, on behalf of XXXX XXXX XXXX XXXX XXXX, on XX/XX/year> ''. On XX/XX/XXXX, I received an email from ServiceMac stating that their records indicate I had not yet paid the amount owed that was due on XX/XX/year>. I called ServiceMac the next day and talked to a CSR who informed me that I needed to send an email to two different email accounts showing the payment made to XXXX that was applied for the month of XXXX. I did this and received a generic automatic canned response that my request was received, and I could expect a response in 3-5 business days. On XX/XX/XXXX, XXXX sent me an email that my request would be " forwarded on for further research, '' and my case would be assigned to XXXX XXXX. I never heard from this person, but I did receive another generic email response with no signature, on XX/XX/year>, that my " inquiry regarding a payment made on XX/XX/year> '' would be forwarded to the Cash Department for review. I have made multiple calls to the ServiceMac CSRs, and it turns out the Cash Department is not part of the call center, and from what I can tell, there is literally no way for the CSRs to talk to the Cash Department or transfer me there. So I have been told by multiple CSRs who then usually hang up on me after they realize the situation. I had a late fee attached to my account that was only taken care of today, even though the letter Service Mac sends out says I can not be charged late fees for 60 days due to federal law, as long as I send my payment to the previous service provider. My account still shows I owe for XX/XX/year>, and it is 31 days past due. I can not pay my XXXX payment online because it defaults to paying the XXXX payment first. I can not set up autopay because I have to " catch up '' my supposed late payments before being allowed to set up AutoPay. I am in a neverending Catch-22 where I talk to CSR who say they will escalate my issue while never providing any concrete proof ( written or email ) that they are doing so. I am a CPA and have had many different mortgages throughout my life, and this servicing company is by far the most inept, dishonest, time-wasting company I have ever had the displeasure to experience. Get it together, XXXX, Subserviced by ServiceMac!

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Update personal information and remove any old inaccurate information that is reported on file. Should only be one full name, one social and one address

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: SC

Complaint narrative:
I can no longer access my account. Ive tried to dispute these transactions with. My bank but they denied me with no resolution. Im in the rare for over XXXX. Dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XX/XX/2026 Consumer Financial Protection Bureau XXXX. XXXX XXXX Iowa XXXX, IA XXXX RE : Formal Complaint against Brink 's Money / Netspend Account Number : Ending in XXXX Disputed Amount : {$6100.00} To Whom It May Concern, I am filing a formal complaint against Brink 's for freezing my account for the last XXXX days and officially closing it today, XXXX XXXX, 2026, while withholding my funds totaling {$6100.00}. The institution claims they could not verify my identity ; however, I have already submitted all requested identification documents. I was expected to receive my physical debit card today and had been using a virtual card since my fundswhich consist of child support paymentswere deposited. Instead, Brink 's froze my account XXXX days ago, leaving me completely unable to use my money. This sudden freeze and subsequent closure today have caused a severe crisis, leaving me unable to buy food for my six-year-old son and forcing us to rely on a local soup kitchen. I should not have to visit a soup kitchen to feed my child when I have over {$6000.00} sitting in my account. Brink 's informed me today that it will take up to 20 days to issue a refund. This delay is completely unacceptable. They accepted my deposits instantly, and my remaining balance must be returned with the same urgency. I need my funds immediately. I request that the CFPB intervene immediately to compel Brink 's to expedite the release of my {$6100.00} via an expedited check or direct transfer so I can pay my rent, bills, and feed my family. Thank you for your prompt attention to this urgent matter. Sincerely, 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 2026-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am filing a formal complaint against XXXX and its collection agency for an inaccurate and wrongful collection account in the amount of {$2600.00}. The alleged debt is invalid because the devices were returned using XXXXprovided XXXX return labels. XXXX XXXX confirms the packages were delivered to XXXX 's return facility in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the proof of delivery states " Received By : XXXX. '' I previously disputed this matter and provided evidence, including XXXX tracking, proof of delivery, photos, return labels, emails, and certified mail records. Despite this, the account was sent to collections and reported on my credit file, damaging my credit profile. I am requesting : XXXX. " Immediate recall of the account from collections. '' XXXX. " Deletion of all negative credit reporting. '' XXXX. " Written confirmation that the balance is {$0.00}. '' XXXX. " Written confirmation that XXXX received the returned devices. '' XXXX. " Compensation for damages caused by inaccurate reporting, collection activity, certified mail costs, Time spent, and harm to my credit profile. '' I am attaching a complete evidence package.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I respectfully submit this complaint concerning credit reporting inaccuracies that have persisted despite multiple dispute attempts. The continued reporting of information that can not be properly verified appears contrary to the standards established under the Fair Credit Reporting Act. I request immediate attention to ensure compliance with applicable federal laws. XXXX XXXX XXXXXXXX XXXX XXXX | Date Opened : XX/XX/year> | High Credit : {$30000.00} | Charge-Off * * This account is unfamiliar to me, and I have no knowledge of entering into any contractual relationship that would give rise to this obligation. Pursuant to Sections 602, 607 ( b ), 611 ( a ), and XXXX of the Fair Credit Reporting Act, TransUnion is required to maintain maximum possible accuracy of all information contained within consumer reports and conduct a reasonable reinvestigation whenever a consumer disputes the completeness or accuracy of information being reported. Because this account remains on my consumer report despite multiple prior disputes, I respectfully request that TransUnion provide evidence that a reasonable reinvestigation was conducted as required by 15 U.S.C. 1681i ( a ). The continued verification of disputed information without providing competent documentary evidence raises concerns regarding compliance with the FCRA 's reinvestigation requirements. Furthermore, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information reported. If TransUnion can not produce documentation demonstrating that this account belongs to me and that all reported information is accurate, complete, and verifiable, then the continued reporting of this account may constitute a violation of federal law. Thank you for your attention to this matter. I respectfully request a thorough review of the disputed information and appropriate corrective action to ensure that my consumer report reflects only information that is accurate, complete, and legally verifiable.

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 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: OH

Complaint narrative:
Subject : Credit Discrimination and ECOA Violation based on XXXX Income by Global Lending Services LLCXXXX. Background and Pre-ApprovalI applied for an auto refinance loan with Global Lending Services LLC. Based on my initial financial profile, credit history, and application details, I was formally pre-approved for the vehicle refinancing. Following the lender 's instructions, I submitted the requested proof of income documentation to finalize the loan processXXXX. The Discriminatory Act & Admission of Unlawful Policy ( ECOA Violation ) On XX/XX/year>, I received a written email response from XXXX XXXX XXXX XXXX XXXX at Global Lending Services LLC ( Phone : XXXX XXXX XXXXXXXX ). The email explicitly stated that Global Lending Services LLC was halting my pre-approved application solely because of my status on XXXX. The representative explicitly stated that it is " company policy '' to refuse to proceed with applications for individuals on XXXX, writing : " Unfortunately, we are not able proceed with your application while you are on XXXX. It is a company policy. '' The email further stated that the lender would only work with me if I were to get off XXXX, and explicitly directed me to use a different lender if my XXXX is ongoing : " If you are not able to get off of XXXX and you would still like to refinance your vehicle, we recommend re-apply through XXXX XXXX and selecting another company to work with. " XXXX. Direct Violation of Federal Civil Rights Law Under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( a ) ( XXXX ), it is strictly unlawful for any creditor to discriminate against an applicant because all or part of the applicant 's income derives from any public assistance program, which includes XXXX benefits [ XXXX ]. Maintaining a formal corporate policy that categorically refuses to process auto loans for individuals currently on disabilityand explicitly telling a consumer that they must find a different lender if they can not get off disabilityis a clear violation of federal fair lending laws [ XXXX ] XXXX. Financial Impact and Harm By refusing to proceed with a pre-approved loan based on an illegal, discriminatory corporate policy, Global Lending Services LLC has denied me the opportunity to lower my vehicle payments, reduce my interest rate, and save money. They have caused me direct financial harm and severe emotional distress through blatant discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint against Wells Fargo for inaccurate credit reporting, severe billing errors, and egregious mismanagement of a forced account transition that resulted in a sudden XXXX drop in my credit score. In XXXX, I opened a XXXX XXXX strictly to pay rent. Following structural changes in late XXXX, XXXX replaced my card. I successfully updated my credentials, but subsequently stopped using the card and carried a XXXX balance. In early XXXX, Wells Fargo issued me an unsolicited credit card out of nowhere. I received no prior notice, no disclosures regarding a balance transfer, and my existing online portal access was completely revoked, leaving me with no way to view statements or verify my account status. I never received a single physical or electronic billing statement detailing a transferred balance. Months later, I began receiving collections calls from Wells Fargo regarding a {$2500.00} balance. Acting in immediate good faith despite having no statements, I paid {$2400.00} over the phonethe exact amount of my historical monthly rent charge. I explicitly informed the representative that I did not recognize the remaining transactions or late fees, which accumulated solely because Wells Fargo blocked my account access and failed to send statements. Despite my immediate payment and dispute of the erroneous fees, Wells Fargo reported the account as severely delinquent to XXXX, XXXX, and XXXX. Wells Fargo violated my rights as a consumer by failing to provide periodic billing statements, blocking digital access to my account, and reporting inaccurate negative data to the credit bureaus.

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 2026-06-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had a prvate student loan that went to debt collection agency XXXXXXXX XXXX XXXXXXXX. My original loan was for {$5700.00}. I had been working with them making installments on the loan, and had paid back all but roughly {$600.00}. I moved and didn't receive a notice to pay, which was my fault, but they went to a court, and had my bank account levied for the full loan, not the remaining balanced I owed. Once I got a hold of them they addmitted their mistake, this was over a month ago, and I have not gotten my funds back. I have been in contact with the court agent XXXX XXXX several times, he instucted me to contat XXXXXXXX XXXX XXXXXXXX they claimed to have sent a letter to XXXX XXXX to release my funds he said he never recieved it. I called XXXX back and they finally sent another. This has casused a series of issues now for me as I struggle to make basic payments while my saving was wrongfully taken out of my account by the third party taking nearly six times what was owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I am contacting you regarding a delay that is preventing me from completing my total loss and XXXX claim process. I was involved in an accident on XX/XX/year>, and my vehicle was officially declared a total loss on XX/XX/year>. Honda Financial was notified promptly, and I was advised that a Letter of Guarantee would be sent to my insurance company within XXXX business days. As of today, we are now beyond that timeframe, and the Letter of Guarantee has not yet been sent. This delay is stopping me from finalizing my insurance settlement and completing my XXXX claim. In the meantime, I continue to be responsible for my XXXX XXXX monthly payments, which I have consistently maintainedeven after the vehicle was deemed a total loss. I have remained in good standing throughout the duration of this loan. This delayed has left me without a vehicle, in a financial bind and crisis without a vehicle due to this company not holding up their end. I spoke with a worker on XX/XX/year> that told me to " feel how you feel '' due to my cries for help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Monterey Financial the Original Creditor per my credit report state I own them {$2200.00}. they have not comply to my request for what service they provided for this balance. i requested any agreement or information of services i received for this charge. no response from Monterey Financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I hold a Capital One Savor credit card and regularly use Capital One Offers, the program that lets cardholders activate merchant offers and earn cash back on qualifying purchases. I chose this card deliberately to earn the advertised offers, and I have been a Capital One customer in good standing for many years. On XX/XX/XXXX, Capital One posted a batch of offer payouts to my account covering qualifying purchases dating back to XXXX and XX/XX/XXXX. Every payout posted as exactly {$0.00} in Rewards cash, regardless of the purchase amount or the offer earned. When I called Capital One on XX/XX/XXXX, the representative confirmed this is a known system error and stated that Capital One has no estimated timeline to correct it. Capital Ones own records contradict the {$0.00} payouts. XXXX XXXX XXXX ledger inside Capital One Offers shows the correct cash back Capital One itself calculated for each completed trip for example, {$87.00} on a {$870.00} purchase, {$67.00} on {$510.00}, {$55.00} on {$690.00}, {$48.00} on {$920.00}, and {$40.00} on {$760.00}. Across XXXX completed trips, Capital Ones ledger shows {$500.00} in earned cash back, of which I was paid a total of {$0.00}. The documented shortfall on these completed trips alone is {$500.00}. In addition, I have identified at least XXXX further qualifying purchases more than {$6000.00} in combined spending, that I made after activating Capital One Offers but for which the corresponding shopping trips were never tracked, and no cash back was paid. Applying the offer rates Capital One paid on identical, contemporaneous offers, these represent an estimated additional {$370.00} or more in unpaid cash back. I am identifying these as an estimate ; Capital One holds the exact offer terms. Because this is a systemic error spanning many months and many transactions, I have no way to confirm that the items I have identified are complete. The transactions I have listed are illustrative and not exhaustive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Last month, scammers hacked into my Ally bank account and initiated a fraudulent wire transfer of roughly {$25000.00}. Before they could succeed in finalizing the transfer, I figured out the scam and cancelled the transfer with Ally. Ally then proceeded to create entirely new accounts for myself and my family to keep our money safe. At that point, the scammers attempted unsuccessfully to guess my password. Ally then decided to " terminate the banking relationship, '' telling me they would send me a check in the mail containing literally all of my family 's money. That was a week ago. When I called them today to ask them for a tracking number for that check, they told me they haven't even cut the check. Their closure of my accounts has left us unable to pay our bills, pay our credit card balance, and withdraw cash. Because we can not pay our credit card balance, our credit is being destroyed. I want to emphasize that no fraud was ever successfully perpetrated, no money changed hands, and Ally closed our bank accounts suddenly which removed our access to all of our money. This is hugely disrupting our lives, and there is no end in sight.

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