vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — FHA mortgage
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: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I applied for loss mitigation assistance temporarily while waiting for funds from the XXXX XXXX XXXX ( XXXX ). Before any loan modification was finalized, my mortgage account was brought fully current by XXXX XXXX, including additional forward payments. I never signed or agreed to any permanent loan modification. However, my mortgage servicer significantly increased my monthly payment, which now reflects amounts around {$1900.00} compared to my original contractual payment. This was done twice. XXXX paid my mortgage current twice totaling almost XXXX and twice my payment was raised in spite of this. My mortgage statements show multiple issues that indicate improper account handling : A significant increase in my escrow payment to nearly {$1000.00} per month without clear explanation A past due amount being added despite my loan being brought current through XXXX XXXX A total amount due reflecting what appears to be double billing ( charging both a current and past due payment ) Advances made on my behalf totaling approximately {$1900.00} added to my account without clear authorization or explanation Previously, an unapplied/suspense balance of over {$3000.00} was being held instead of properly applied to my loan Additionally, when I attempted to contact my servicer to resolve this issue, I was denied access to the loss mitigation department and was hung up on and not provided with clear answers or assistance. At no point did I authorize any permanent change to my loan terms. My account should have been properly reinstated after XXXX XXXX brought the loan current and again this has happened twice now. I am requesting the following : Immediate reinstatement of my original loan terms prior to both loss mitigation removal of any unauthorized loan modification or payment changes Proper application of all funds, including XXXX payments Correction of any inaccurate past due amounts A full and clear breakdown of my current payment, including escrow and any advances Removal or explanation of any advances added to my account without my authorization This situation is creating financial hardship and risks placing me back into default despite my loan being brought current through XXXX assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Current closed my account back in XXXX of XXXX. They sent me a check on the remaining balance a few weeks afterwards. I didn't received anything and requested them to send another one back in XX/XX/XXXX. I still haven't received it and requested them again back in XX/XX/XXXX after verifying a new address. Still, I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I tried to close my PayPal account on XX/XX/XXXX and was told that I need to close my " XXXX '' account first. I have never signed up for " XXXX, '' but followed the instructions to have that account closed. That failed to allow me to close my PayPal account. I then tried to close it again on XX/XX/XXXX and I was told that actually the reason I couldn't close out my account is because there is a pending case. There is no pending case. They closed the most recent case on XX/XX/XXXX, and they chose in favor of the vendor, which was wrong and is the reason I want to close my PayPal account. They do not provide the consumer protection that they claim to. However, I was told by the customer service agent that the case would resolve within 20 days. So today I again tried to close the account and I am still not able to close. It feels at this point that PayPal is just doing whatever they can to run users down until they give up and leave their accounts open. I have a right to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Complaint against Synchrony Bank / Amazon XXXX XXXX I am filing a complaint regarding improper crediting and refusal to correct a payment on my credit card account ending in XXXX. My billing cycle ran from XX/XX/year> through XX/XX/year>. I made a payment of {$170.00} on XX/XX/year>, which was before the close of the billing cycle. The company is now stating that I still owe a {$170.00} payment for this same billing cycle, due XX/XX/year>. When I contacted customer service and a supervisor, they refused to apply my XX/XX/XXXX payment toward this billing cycle or make any correction. This results in me being required to make two payments for the same cycle, even though my payment was made before the cycle closed. I am not asking for a courtesy adjustment. I am requesting that my payment be properly credited based on the date it was made. Refusing to apply a payment made before the cycle close date toward that billing cycle is not consistent with proper payment crediting requirements. This issue affects : My minimum payment obligation My account standing Potential late fees and credit reporting I am requesting : That my XX/XX/year> payment of {$170.00} be applied to satisfy the required payment for the billing cycle ending XX/XX/year> Correction of my account to reflect that no additional minimum payment is owed for that cycle Removal of any fees or negative reporting related to this issue Written confirmation of the correction I attempted to resolve this directly with both customer service and a supervisor, and they refused to correct the issue. I am requesting regulatory assistance to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account that has been improperly reported to my credit file for a utility account that does not belong to me. ________________________________________ Summary of Issue A collection account in the amount of approximately {$710.00} has been reported to my credit file, with an account open date of XX/XX/year>. I vacated the service address in XX/XX/year> and sold the home in XX/XX/year>. The new owner began occupying the property in XX/XX/year>. At the time I moved out, I contacted the utility provider to transfer service to the new occupant. During that process, I confirmed that : My account balance was {$0.00} Service was properly transferred All utilities were switched to the new occupant I have never received any bill, invoice, or communication regarding the alleged balance now being reported. ________________________________________ Key Concerns XXXX. Account Opened After I Vacated the Property The reported account reflects an open date of XX/XX/year>, which is several months after I vacated the property and after a new owner had taken occupancy. ________________________________________ XXXX. XXXX XXXX Not XXXX to Me Any charges incurred after my move-out date are the responsibility of the new occupant. I had no control over or access to the property. ________________________________________ XXXX. Confirmed XXXX XXXX at XXXX XXXX XXXX I confirmed that my account was paid in full at the time of service transfer. The utility company would not have completed the transfer if a balance remained. ________________________________________ XXXX. No Billing or Notice Prior to Collections I did not receive : A bill A notice of balance due Any communication prior to this account being sent to collections and reported to my credit ________________________________________ XXXX. Improper Credit Reporting ( Accuracy Issue ) This account has been reported to my credit file despite the fact that : It does not belong to me The account was opened after I vacated the property No validation of account ownership has been provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, NewRez LLC / Shellpoint Mortgage Servicing issued a payoff statement for my HELOC that included all required fees ( {$83.00} ). Based on this payoff quote, XXXX XXXX XXXX XXXX paid the loan in full so they could assume second lien position. After receiving full payoff funds, NewRez/Shellpoint issued me a refund for an overpayment, which included the same {$83.00} fee that had already been quoted and collected. Despite being paid in full, the account was not closed and the lien was not released. In XX/XX/XXXX, I discovered that the lien was still active and preventing my home sale from proceeding. I was then required to pay the {$83.00} fee a second time to initiate closure of the account. The account was subsequently closed effective XX/XX/XXXX, instead of XX/XX/XXXX when the payoff was actually completed. NewRez/Shellpoint is now treating this as a new payoff and is delaying the lien release by 4060 days. However, their automated system indicates the lien release was already sent to the county on XX/XX/XXXX, with an expected release date of XX/XX/XXXX, and document availability on XX/XX/XXXX. Their representatives have been unable to confirm or explain this discrepancy. I have a scheduled home closing on XX/XX/XXXX, which is now at risk due to their failure to properly process a satisfied loan and release the lien in a timely manner. This is not a new payoff issue. This is a servicing error where the loan was paid in full in XX/XX/XXXX, but the lien was never released. I am requesting immediate issuance of an executed Satisfaction of Mortgage ( unrecorded copy acceptable ), confirmation of lien release status, and correction of records to reflect the proper payoff date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I am disputing this debt because it is not a valid debt that I owe. On XX/XX/XXXX, I was charged {$800.00} and a separate {$49.00}, and I was also placed into a {$3100.00} credit agreement tied to a {$4000.00} modeling portfolio/photography package. At the time of signing, I was shown only selected portions of the documents on a screen and was not given a meaningful opportunity to review the full agreement before signing. When I asked to return later to review the documents and consider my options, that request was denied, and I was told the deal would not be available later. During the sales process, I was verbally led to believe that modeling work or opportunities would be provided. After I later received the full materials, I found written terms that materially contradicted how the transaction had been presented, including language stating that the company was not an agency. On XX/XX/XXXX, I disputed and attempted to cancel the transaction in writing. Despite that, the debt has continued to be treated as valid for collection purposes. I am requesting cancellation of the debt/account, cessation of collection activity, removal or correction of any related credit reporting, and a refund of the {$840.00} already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> RE : Formal Dispute Fraudulent XXXX XXXX XXXX XXXX Account ( {$1700.00} ) To Whom It May Concern, I am writing to formally dispute a fraudulent account being reported under my name by XXXX XXXX XXXX XXXX in the amount of {$1700.00}. I have no knowledge of this account, never authorized it, and have never received any services associated with it. This account is not mine, and its continued reporting constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I have previously disputed this account, and while it has been removed, it continues to be reinserted without proper notice or verification, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). Under the FCRA, you are required to : * Conduct a reasonable investigation of disputed information ( 611 ( a ) ) * Provide proper validation and verification of the alleged account * Notify me in writing prior to any reinsertion of previously deleted information ( 611 ( a ) ( 5 ) ( B ) ( ii ) ) As of today, I have not received any competent evidence bearing my signature, authorization, or contractual obligation to XXXX XXXX XXXX for this account. Therefore, this account must be considered inaccurate, unverifiable, and fraudulent. I demand the following actions : 1. Immediate and permanent deletion of this XXXX XXXX XXXX XXXX account from all credit reporting agencies. 2. Written confirmation that this account has been removed and will not be reinserted. 3. Full documentation used to verify this account, including any signed contracts, applications, or service agreements bearing my name. If you can not provide such documentation, you are legally obligated to delete this account under FCRA guidelines. Failure to comply with this request will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for willful noncompliance under FCRA 616 and 617. This letter serves as my final notice to resolve this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In accordance with the fair credit reporting act this creditor Wells Fargo Banking Institution has violated my rights under 15 U.S.C. 1681s-2 I am writing to formally dispute inaccurate and/or fraudulent information on my credit report pursuant to the Fair Credit Reporting Act, 15 U.S.C. section 1681. The account is reporting fraudulently/inaccurately reported. Under 15 U.S.C.s-1681e ( b ), you are required to ensure maximum possible accuracy of all information reported. Additionally, under 15 U.S.C. section 1681i, I am requesting a reasonable investigation of this matter. Please provide verification of this account, including the original signed contract or application. If you can not verify this account, you are required by law to delete it from my credit file. If this account is the result of identity theft, I am also invoking my rights under 15 U.S.C. 1681c-2 ( Section 605B ) to have this account blocked from my report immediately. Please complete your investigation within the 30 day timeframe required by law and provide me with written results along with the 1099-c form. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

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 non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: MN

Complaint narrative:
I am filing a complaint against Global Lending Services ( GLS ) for misrepresentation, improper repossession fees, inaccurate account handling, and unfair denial of hardship assistance. GLS repossessed my vehicle even though I was actively communicating with them about hardship. To redeem the vehicle, I was told I had to pay {$1600.00}, which they stated covered the pastdue monthly payments. I also had to pay the tow company {$260.00} to release the vehicle from their lot. After I paid both amounts, GLS added an additional {$490.00} repossession fee, even though GLS arranged the tow and the tow company had already been paid. I believe this fee is improper and was misrepresented. GLS also had me electronically sign an Extension Agreement. I was told this would give me time to catch up and prevent further negative action. However, the document contained misinformation, including stating that GLS had already granted me an extension for months that I had already paid for. I did not knowingly agree to an extension for months that were not delinquent. This appears to be a misrepresentation of the terms. Despite paying {$1600.00} to redeem the vehicle, GLS required me to make another payment within two weeks. They continued to charge late fees and are now refusing to provide any further hardship assistance, claiming that I already received an extension, even though the extension they reference was not validly granted and was based on incorrect information. I am requesting : A full investigation into GLSs handling of my account Removal of the improper {$490.00} repossession fee Correction of any inaccurate extension records Review of their hardship denial Removal of any improper late fees or negative reporting tied to this issue GLSs actions have caused financial harm, confusion, and unnecessary hardship. I am requesting CFPB oversight to ensure fair treatment and correction of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Research Inc
State: DE

Complaint narrative:
I am filing this complaint regarding collection accounts being reported and/or collected without proper validation or sufficient documentation. I have identified accounts associated with CENTRAL RE and DEPTEDXXXX that are being reported on my credit file and/or collected upon. I have previously disputed these accounts and requested proper validation ; however, no adequate documentation has been provided. Despite my requests, the companies continue to report and/or attempt to collect on these accounts without providing : * A copy of the original contract or agreement bearing my signature * A full account-level breakdown of the alleged debt * Documentation proving their legal authority to collect this debt * Verification that the amount being reported is accurate and consistent Additionally, these accounts are being reported with inconsistencies and/or duplicate entries, which raises serious concerns regarding the accuracy and legitimacy of the information being furnished. Under the Fair Debt Collection Practices Act : * 15 U.S.C. 1692g requires proper validation of a debt upon request * 15 U.S.C. 1692e prohibits false, deceptive, or misleading representations * 15 U.S.C. 1692f prohibits unfair or unconscionable collection practices To date, the collection agencies have failed to provide sufficient validation as required by law, yet continue to report these accounts and/or attempt collection activity. I am requesting the following resolution : * Immediate deletion of these collection accounts from my credit report if proper validation can not be provided * Full validation of the alleged debt, including all documentation listed above * Proof of the companys legal authority to collect the debt If these accounts can not be properly validated, they must be removed immediately. Continued reporting or collection without validation may constitute a violation of federal law. This matter must be addressed promptly, as it is negatively impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
Dear Sir or Madam, I am writing to formally raise a concern regarding the lack of clear access to forbearance options for borrowers experiencing financial hardship with my SoFi student loan account # XXXX. Financial institutions are expected to provide transparent and accessible pathways for borrowers seeking temporary relief during periods of hardship. However, my experience with SoFi has demonstrated a significant lack of clarity, guidance, and support in obtaining forbearance when it was needed. There was no straightforward or clearly communicated process to request hardship assistance. This lack of accessibility creates unnecessary barriers for borrowers and increases the risk of missed payments, which can negatively impact credit reporting and overall financial stability. Such practices are concerning, as they XXXX fall short of standards for fair treatment of consumers under principles enforced by the Consumer Financial Protection Bureau, which emphasize transparency, fairness, and responsible servicing practices. I respectfully request that SoFi : - Improve transparency and accessibility for borrowers seeking assistance - Review my account history in light of the difficulty in accessing forbearance - Consider appropriate corrective action regarding any negative reporting that resulted from this lack of access. Borrowers should not be placed at a disadvantage due to unclear or inaccessible hardship relief processes. I urge SoFi to address these concerns promptly and ensure that its practices align with consumer protection expectations. I look forward to your response and a resolution to this matter.

Company response to consumer: Closed with explanation