vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK
State: NV

Complaint narrative:
On XX/XX/year>, a {$110.00} debit card transaction was processed by XXXX XXXX XXXX. I have not received the merchandise associated with this purchase. I contacted Discover to file a dispute for merchandise not received. I was informed that the transaction could not be disputed because I authorized the purchase. I am not alleging fraud. This is a non-delivery issue. Under Regulation E, debit card customers have the right to dispute transactions involving goods not received. I am requesting that Discover properly accept and investigate my dispute for non-receipt of merchandise. I have attempted to resolve this issue and am seeking appropriate dispute processing and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: DE

Complaint narrative:
I am filing a complaint regarding a private student loan serviced by Mohela ( XXXX ) that I believe was issued under predatory and deceptive circumstances. The loan was taken out while attending XXXX XXXX, a forprofit institution, with my last year of attendance being XXXX. Despite paying a total of {$57000.00} over the life of this loan, only {$10000.00} has been applied to principal. The remaining {$46000.00} has gone entirely to interest, with an additional {$230.00} in fees. This means more than 81 % of all payments have been absorbed by interest alone, and the principal has barely moved. This appears to be a case of negative amortization, which I did not understand or agree to at the time of origination. The loan carries multiple high interest rates of XXXX %, XXXX %, XXXX %, and XXXX %, far above federal loan rates available during that period. I was not properly informed of the longterm cost, the compounding structure, or the likelihood that my payments would fail to meaningfully reduce the balance. I believe the loan was issued under unfair, deceptive, or abusive acts or practices ( XXXX ). XXXX XXXX used aggressive recruiting tactics and made representations about career outcomes that did not match reality. I was not given clear or adequate disclosures about the true cost of borrowing or the risks associated with these highinterest private loans. Mohela ( XXXX ) has been the subject of multiple state and federal enforcement actions for issuing highrisk private loans to students at forprofit schools, including loans they allegedly knew borrowers were unlikely to repay. My experience appears consistent with the patterns identified in those cases. I am requesting that the CFPB investigate this loan for predatory characteristics, including : Excessive and disproportionate interest accumulation Negative amortization XXXX private loan targeting Inadequate or misleading disclosures Potential violations of consumer protection laws I am seeking a review of the loans legitimacy, a recalculation of the balance, and consideration for discharge, cancellation, or other relief appropriate for predatory private student loans. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I opened a Citi Business Checking account and XXXX in the XXXX XXXXXXXX XXXX branch. I had a promotion to bring over $ XXXX and receive {$1500.00}. The terms stated Within XXXX days of account opening, make a qualifying deposit of {$5000.00} or more in XXXX funds to eligible accounts. Maintain the required minimum balance for an additional XXXX days from the XXXX day of account opening. Your bonus will be deposited to your Citibank business checking account as a credit within XXXX days from the end of the month in which you complete all requirements. Based on my opening date, the bonus should have been paid in XX/XX/year>. I have tried reaching out to the XXXX at the XXXX XXXX branch but each time I have been told they are looking into it. I would appreciate the bonus being paid since I met the terms of the offer.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
I am filing this complaint against Vanderbilt Mortgage & Finance , Inc. regarding servicing conduct, lack of transparency, and concerns regarding the affordability and structure of my loan. My loan originated on XX/XX/XXXX in the amount of {$110000.00} at a 10.75 % interest rate over XXXX years. My total monthly payment is {$1300.00}. Based on the amortization structure, approximately {$990.00} of my early monthly payments go toward interest, with only about {$95.00} {$100.00} applied toward principal. After approximately XXXX years of payments, my principal balance has only been reduced by {$2800.00}. Over the life of the loan, I will pay approximately {$320000.00} in principal and interest, including roughly {$210000.00} in interest alone. This loan structure, combined with my household income as a teacher and my husbands loss of employment in XXXX, raises concerns regarding whether a reasonable and good-faith XXXX determination was made at origination under the Truth in Lending Act. In XXXX, when we first experienced hardship, I contacted Vanderbilt to inquire about refinancing. The representative was resistant to providing loan information. When I asked how much of my payment goes toward interest, I was told, Why do you need to know that information? I was ultimately told Vanderbilt does not offer refinancing. This lack of transparency, combined with the absence of refinancing options, raises concerns under federal prohibitions against Unfair, Deceptive, or Abusive Acts or Practices ( XXXX ). More recently, during a hardship extension discussion, a representative questioned why my husband does not stay home with our child to eliminate daycare expenses and spoke in a condescending and dismissive tone. This conduct was inappropriate and unprofessional during a hardship discussio

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: FL

Complaint narrative:
SELFINC/LEAD is falsely reporting on my credit. I have never had any accounts with them. Per my research SELFINC/LEAD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XXXX XXXX 2026, I went into the local office to verify and open my new Wells Fargo checking and savings account. On XXXX XXXX, I received a large payout from gambling ( XXXX XXXX ) of {$49000.00}. Over the next couple of days I transferred my money of these winnings out of my account to other some for my other accounts via cash app, XXXX pay and XXXX. I also made XXXX payments to friends who I had owed money to. On XX/XX/XXXX, I was notified that my account would be closed due to unauthorized transactions. I called customer service immediately and was told that due to unauthorized transactions my account was closed immediately and that I would be sent a check for any remaining balance. I have spoken with customer service, next level Customer service, Loss PRevention, LOss PRevention escalations as well as the highest level of filing a formal complaint which I have done at least XXXX times. As of XX/XX/XXXX I able to hear the remaining balance on the account which is ~ > $ XXXX as of present. There have been no claims made to my account as I confirmed I moved the money from Wells Fargo to my other accounts which I have been doing since I opened the account. I have repeatedly asked for an expedited investigation as funds are accurate according to my transfers and there has not been a single claim made on my account. Yet WElls Fargo insist that I have to wait until XXXX before a cashiers check is mailed to me with the balance of the account. I am being unfairly wrong and targeted by WElls Fargo and I would like for some to help resolve this matter prior to XXXX as I am in desperate need of my funds. It does NOT seem fair or right that my legitimate winnings are being held by them when there is no fraud on my account at all. I also recently just paid off a Wells Fargo automobile loan as I am not a new customer of theirs.

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: MA

Complaint narrative:
Hi team This Complaint against ABOUND App ( Remittance ) I have initiated remittance transfer for my home use on XXXX of XX/XX/year> But till now ( XXXX XX/XX/year> ) the transfer is not reached by home bank, when I try to contact there service support, no response even no response from XXXX, I am been following since 2 weeks It's been nearly 18 days from my transfer initiation, they are doing Fraudulent Confirmation in there Abound APP, Showing the Payment was Credited to my bank account, but still i didn't receive any money Hence kindly take a this email as complaint, and below are the transaction IDs from the abound app Transaction ID - XXXX Please kindly take necessary action against them. Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX, I experienced a serious medical condition that resulted in extended work absences and ultimately required XXXX in early XXXX. In XX/XX/XXXX, I was approved for a XXXX-month mortgage forbearance due to documented medical hardship. The forbearance period concluded in XX/XX/XXXX. I coordinated repayment assistance from multiple third-party sources and brought the account substantially current by XX/XX/XXXX. The remaining balance was paid in early XX/XX/XXXX, and the loan was fully current by XXXX. Despite the approved hardship and full cure within the same month, a XXXX delinquency was reported to the credit bureaus. I have never previously been late on this mortgage or any other credit obligation. I escalated the matter to the companys XXXX customer relations team and requested discretionary goodwill consideration given the documented hardship and prompt repayment. I was informed verbally that the reporting was accurate and that the company does not provide goodwill adjustments. I did not receive a written explanation of the policy or decision. The reported delinquency caused significant reductions in available credit lines at a time when I am recovering from medical hardship and awaiting XXXX income. I am requesting supervisory review of the companys investigation and consideration of whether discretionary adjustment is appropriate under these circumstances.

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 2026-02-24 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I HAVE TO RE DO THIS PART XXXX TIMES TO EXPLAIN MYSELF TO ONLY BE LOCKED OUT TO SUBMIT THIS COMPLAINT NAVY FED CREDIT UNION BOTCHED A REG XXXX INVESTIGATION TO AN INDIVIDUAL WITH A XXXX FROM A XX/XX/XXXX UNAUTHORIZED MERCHANT XXXX I HAVE NOTIFIED THE MERCHANT OF REVOCATION BEFORE THIS TRANSACTION BY XXXX ONLY TO XXXX OTHER AUTHORIZED ACCOUNT TO BE USED AS PER THE AGREEMENT TO THEN ALSO XXXX NAVY FED OF THE UNAUTHORIED CHARGE TO THEM DOING THE WRONG INVESTIGATION WHILE CALLING THEM OUT AND A PROVISONAL CREDIT OF {$290.00} THEN ASKING AND ASKING FOR AN XXXX FILE USED TO THEN REALIZE THERE WASNT XXXX XXXX XXXX DONE TO IGNORE ME SINCE XX/XX/XXXX OF A CHARGEBACK LETTER STATING NO CANCELATION THAT XXXX WHAT I ASKED IN A SECURE PORTAL MESSAGE WHICH CLEARLY MENTIONED XXXX XXXX THEN TO BE SILENT UNTIL TODAY XX/XX/year> WITH A SILENT CREDIT BACK TO MY ACCOUNT TO THEN BE XXXX IN MY ACCOUNT BY THEM OF {$110.00} TO HAVE THEM ALSO HAVE A BANNER OF A DEBT ATTEMPT AS RETALIATION WHICH I HAVE A DETAILED DOSSIER THAT CAN BACK UP MY CLAIMS WHILE ALSO THREATENING WITH GARNISHMENT OF MY UPCOMING XXXX XXXX ON XX/XX/XXXX TO OFFSET THERE PROBLEM THAT XXXX EVEN BEEN ADDRESSED BUT COMPLETE SILENCE THIS IS UNACCEPTABLE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My vehicle was repossessed in XX/XX/year> due to a title loan. I redeemed the vehicle by paying the full payoff amount in late XXXX XX/XX/year> and regained possession of the vehicle. I have proof that the loan was paid in full. At the time of repossession, the company transferred the title into its name. After I paid the loan in full and redeemed the vehicle, the company failed to transfer ownership of the title back into my name. There is no active XXXX on the vehicle. I confirmed this directly with the XXXX. The company continues to incorrectly tell me to obtain a lien release or contact the XXXX, despite the fact that they are currently the titled owner and must complete the ownership transfer. For approximately XXXX to XXXX months, I have made repeated attempts to resolve this issue directly with the company. I am routinely transferred between representatives, placed on long holds, given conflicting information, and have not received any resolution. The title remains in the companys name. The companys failure to transfer the title back to me after lawful redemption is preventing me from properly registering and exercising full ownership rights over my vehicle. I am requesting that the company immediately complete the title transfer and restore ownership to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I used my Apple Card issued by Goldman Sachs to purchase merchandise totaling {$1500.00}. The package was later marked as delivered by the carrier ; however, no package was delivered to my residence. I was home at the time of the alleged delivery and no delivery attempt was made at my property. On XX/XX/year>, I contacted the merchant to report that the merchandise had not been received. The merchant relied on carrier GPS data to claim delivery. However, the GPS map provided does not show delivery to my address ( XXXX ) and instead reflects a neighboring property ( XXXX or XXXX ). The merchants email acknowledges uncertainty regarding which neighboring address may have received the package. There was no delivery photo showing the package at my residence. The carrier provided a signature, but it consists only of the XXXX letter of the name on the order and does not match my actual signature. I did not sign for this package, and no person authorized by me signed for it. Also on XX/XX/year>, I filed a dispute with Goldman Sachs through Apple Card for Goods Not Received and submitted supporting documentation, including the GPS delivery map, merchant email, and signature comparison. Goldman Sachs later denied the dispute, stating that their records indicate the merchandise was delivered in accordance with the merchants terms and conditions. However, the documentation does not establish delivery to my specific address. Delivery to a neighboring property does not constitute delivery to the contracted address. I am requesting that Goldman Sachs conduct a proper review and reverse the {$1500.00} charge if sufficient proof of delivery to my address can not be provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I obtained a point-of-sale installment loan through XXXX ( Synchrony ) to finance XXXX XXXX XXXX XXXX The loan was issued for services that were to be provided over time. Within months of receiving my aligners, I began experiencing issues and repeatedly contacted XXXX requesting corrections and replacement aligners. I have documentation of communications going back several months showing that the treatment was not properly delivered and that I did not receive the services as agreed. I formally disputed the loan with XXXX on [ insert date ], explaining that the underlying services were not delivered. I requested that the account be placed on hold during investigation and that I not be held responsible for the remaining balance while the dispute is pending. XXXX has not provided a substantive written response to my dispute. Instead, I have repeatedly been told to call by phone, despite clearly requesting that all communication remain in writing. I have requested written confirmation that : 1. The dispute is under investigation 2. The account is on hold during review 3. I will not be held responsible for the remaining balance pending resolution Those written confirmations have not been provided. I am requesting that XXXX properly investigate this dispute, suspend collection activity during review, and confirm in writing that I am not responsible for paying for services that were not delivered

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MO

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

Company 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