vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I am a XXXX XXXX XXXX veteran. AAFES/Military Star used the Treasury Offset Program ( TOP ) to seize my XXXX federal tax refund for a private-label retail credit card debt without providing the legally required pre-offset notice under 31 U.S.C. 3716 ( c ). In early XXXX, I filed my XXXX federal tax return expecting a refund. When the refund arrived, it was significantly reduced. Upon investigation, I discovered AAFES/Military Star had offset my refund through TOP for an alleged debt on a Military Star card. I received ZERO advance written notice of the debt, the offset, or my right to dispute in direct violation of federal law. I have checked all mail, email, and spam folders. No notice was ever sent. The Military Star card is a private-label retail credit card, not a federal debt that qualifies for TOP. Using TOP for this type of debt may violate the Administrative Procedure Act and due process protections. I contacted AAFES via email to question their practices but have not received a satisfactory response. This offset caused immediate financial hardship as a XXXX veteran relying on my tax refund.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the recent actions taken by BMO involving my credit card account. BMO closed my account without prior notice and reversed all of the rewards I had earned. I believe this action was taken unfairly and without a clear or reasonable explanation. All were legitimate transactions initiated by me, and at no point did BMO inform me that this type of transaction was prohibited or could result in account closure. I did not engage in any fraudulent activity, nor did I attempt to misuse the credit card system. BMO closed my account, removed all previously earned rewards, and charged back without my permission. Also, they dont provide any : A clear explanation of the specific policy I allegedly violated Any prior warning or opportunity to correct my behavior Any documentation supporting their decision I am requesting CFPB assistance to : Review BMOs decision to close my account Require BMO to provide a clear explanation and evidence for the closure Determine whether BMOs clawback of all earned rewards was appropriate Ensure that my consumer rights were not violated during this process I appreciate your time and attention to this matter and look forward to your assistance. Sincerely, 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 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Meta Payments Inc.
State: AZ

Complaint narrative:
I am filing a new complaint because Meta Payments , Inc. has still not provided any legally required explanation or documentation for withholding my XXXX XXXX payout. My previous CFPB complaint ( reference number : [ insert your old complaint number ] ) was closed after Meta submitted a generic response that did not address the issue, did not cite any policy or violation, and did not provide any steps for resolution. Meta stated that my payout account was disabled due to unusual activity, but they did not explain what that activity was, did not provide any evidence, and did not cite any specific policy. Under federal consumerprotection standards, companies are required to provide clear, specific, and timely explanations when restricting access to consumer funds. A vague statement of unusual activity without detail or documentation does not meet regulatory requirements for transparency or fair treatment. Meta has not identified : What activity triggered the restriction When this activity allegedly occurred What policy was violated What information they need from me How I can resolve the issue Meta also directed me to a merchant appeal process that does not apply to private Marketplace sellers and does not allow me to submit the required information. This is not a valid or accessible disputeresolution path for my account type. As a result, Meta has effectively denied me any meaningful way to appeal or resolve the withholding of my funds. Inside XXXX, my payout appeal still shows no status, no acknowledgment, and no review. Meta has not posted any update in my Support Inbox. There is no documentation, no explanation, and no compliancelevel disclosure of why my funds are being held. My funds remain withheld with : No stated reason No policy citation No evidence of a violation No timeline for release No valid appeal process This raises concerns about Meta Payments compliance with federal consumerfinance regulations, including requirements for : Clear and timely communication Accessible disputeresolution processes Transparent explanations for withheld funds Proper handling of consumer transactions I am requesting CFPB assistance to obtain : A clear explanation for the withheld payout The specific policy or violation Meta is claiming The steps required to release the funds A valid and accessible appeal path for private sellers A timeline for resolution Meta has not responded through any of their support channels, and the issue remains unresolved. I am requesting regulatory intervention to ensure Meta Payments complies with required consumerprotection standards. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding an unresolved issue with an FHA Payment Supplement ( Partial Claim ) associated with my mortgage. Per written communication from the servicer dated XX/XX/XXXX, the total FHA Partial Claim was {$25000.00}, with the following breakdown : {$15000.00} applied to bring the loan current {$1100.00} applied toward payment reduction ( XX/XX/XXXX XX/XX/XXXX ) {$9100.00} identified as a remaining unused balance I sold the property on XX/XX/XXXX, and at closing, both the primary mortgage and the full FHA Partial Claim amount were paid in full from the sale proceeds. However, the servicer has not provided any accounting or explanation regarding the disposition of the {$9100.00} unused balance. It is unclear whether these funds were : Applied to my loan Returned to the U.S. Department of Housing and Urban Development Included in the payoff amount collected at closing without being properly applied Prior to closing, I requested that the unused funds either be applied to my loan or returned to HUD so they would not be included in my payoff. After the sale, I submitted a formal written request for a full accounting of the funds and followed up when no response was provided. The servicer acknowledged my request but has not provided any substantive response, documentation, or resolution. As a result, I am concerned that I may have been charged for funds that were not properly applied or reconciled.

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 2026-04-29 00:00:00
Product: Mortgage — Conventional home 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
Issue : Mortgage company falsely reported a late payment while I was under a hardship program and misrepresented that they corrected the error. Hello, I am a XXXX parent who lost my job in XXXX. At the beginning of XXXX, I applied for a hardship program because I could no longer afford the mortgage payments. Since starting this process, I have experienced ongoing issues with Onity Mortgage/PHH mortgage XXXX including receiving inconsistent and inaccurate information from multiple representatives each time I called. I was told by Onity Mortgage that I was approved for the hardship review/program, that no additional documents were required, and that my account would not be reported late during the review period. Despite this, Onity Mortgage reported my account as 3059 days past due. When I contacted them, I was informed that the delinquency reporting was an error and that a correction had already been submitted to the credit bureaus. However, when I disputed the reporting with XXXX, the reinvestigation results dated XX/XX/year> show that Onity Mortgage verified the delinquency as accurate, directly contradicting what their representatives told me. This inaccurate reporting has caused significant harm to my credit profile. Onity Mortgage is also in the process of transferring my loan to a new servicing company. I am very concerned that the hardship review, documentation, and correction of this reporting error will not be transferred properly, which may cause additional issues or further inaccurate reporting. Given the ongoing inconsistencies and misinformation I have received, I am requesting CFPB oversight to ensure the transition does not result in more harm. I am also concerned that the ongoing lack of communication and inconsistent information from Onity Mortgage may lead to additional errors that could place me at risk of foreclosure. As a XXXX parent with a XXXX child, I do not have alternative housing options, and any further mistakes could cause serious harm to my familys stability. I also have documentation and recorded calls showing that Onity Mortgage acknowledged the reporting was an error and stated that they had already corrected it. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems , LLC has been attempting to collect an alleged debt originally associated with XXXX ( Account ending in XXXX ). The account reflects a charged-off balance of approximately {$5700.00} based on my credit report records. I have disputed this alleged debt and do not acknowledge any liability. I have requested validation of the debt, including a signed agreement, full payment history, and proof of assignment, but have not received sufficient documentation. Despite my dispute, Jefferson Capital continues attempts to collect and/or has failed to properly validate the alleged debt. I am requesting that the company cease collection efforts and provide full validation of the alleged debt, or remove any reporting associated with this account if they are unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, I noticed a sudden and significant drop in my credit score. Upon reviewing my report, I discovered the issue was tied to an Apple Card issued by Goldman Sachs, which belonged to me and my husband. This account had been closed in late XX/XX/XXXX ( exact date unknown ). That same day, we contacted Goldman Sachs. Their representative reviewed the negative credit reporting and acknowledged it was an error. They stated they would submit a correction to the credit bureaus by the end of XX/XX/XXXX. The error stemmed from a XXXX XXXX charge that posted to the card after the account had been closed ( XX/XX/XXXX ). We received no notification of any outstanding balance. Goldman Sachs then reported the unpaid charge as delinquent, which severely damaged my credit. As soon as I became aware of the balance on XX/XX/XXXX, I immediately paid the {$87.00} owed. In early XXXX, I called Goldman Sachs again to check the status of the correction and was told to allow more time. After additional delays, I called again on XX/XX/XXXX. The representative, XXXX, informed me that there was no record of any dispute or correction request in their system. He stated he could not connect me with the credit reporting department and could only provide a case number : XXXX. My credit score was previously near perfect. This reporting erroracknowledged by Goldman Sachshas caused significant harm and is now preventing me from purchasing a home. I am requesting that this inaccurate negative item be investigated and removed from my credit report as soon as possible. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: WLCC
State: MA

Complaint narrative:
I took out a {$400.00} loan in XXXX from a company called My Full Wallet. Since then, I have made multiple payments totaling nearly {$1000.00}. However, the company said that only about {$10.00} from each payment has been applied to the principal, and the rest has gone toward excessive interest charges. As a result, they are stating that I still owe around {$300.00} of the original loan, despite the significant amount I have already paid. This means that after several months of consistent payments, my balance has barely decreased. I believe this is an unfair and abusive lending practice, as the payments are not meaningfully reducing the principal and the interest charges appear to be extremely high and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Re : Wells Fargo account being reported that does not belong to me Account/Reference Number ( as shown on my credit report ) : XXXXXXXX XXXX XXXX XXXX XXXX Credit Bureau ( s ) : [ XXXX XXXX XXXX XXXX XXXX Reported Creditor : Wells Fargo Date first reported : XX/XX/XXXX To Whom It May Concern, I am filing this complaint because an account belonging to Wells Fargo is appearing on my credit report that I did not open and does not belong to me. I believe this is a case of inaccurate reporting and possibly identity theft. Details : The account number and/or reference shown on my credit file : XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX The account is reported as a open active account I only have XXXX open account with a credit limit of {$13000.00} with Wells Fargo . My credit file on all three bureaus are reporting XXXX other open accounts acct # XXXX I discovered the account on my credit report dated : XX/XX/XXXX. Requested actions : Please investigate and determine whether the reported Wells Fargo account is accurate. If the account can not be verified as mine, require Wells Fargo and the credit bureaus to remove the account and correct all credit reports. If this is identity theft, please advise on steps to have the record labeled and removed and to ensure my credit is restored. Provide written confirmation of the investigation outcome and actions taken. Enclosed/attached : I have already disputed this directly with the credit bureau ( s ) and contacted Wells Fargo Wells Fargo has continued to report that they have no knowledge or information regarding these XXXX accounts. Despite that, the inaccurate account remains on my report. Please investigate and take appropriate action to correct my credit report. I appreciate your attention to 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 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I NOTIFIED AFFIRM ON XX/XX/year>, AFTER I GOT OFF A CRUISE SHIP AND HAD RECEIVED MULTIPLE MESSAGES FROM AFFIRM STATING THAT I HAVE AN ACCOUNT WITH THEM. I CALLED AND INFORMED THEM OF WHAT TRANSPIRED WITH THE MERCHANT IN XXXX AND THAT HE MUST HAVE PRESSED CONFIRM WHEN HE WAS CHECKING TO SEE IF I HAD WANTED TO PURCHASE THE ITEM, IF IT WOULD BE APPROVED. I STATED THAT I DIDN'T APPROVE THE PURCHASE AND FOR THEM TO MARK IT AS FRAUD AND THEY TOLD ME THAT THEY SENT THE MONEY AND THAT I WAS RESPONSIBLE TO PAY IT. I REINTEGRATED THAT I HAD NO KNOWLEDGE OF THE PURCHASE AND THAT I WASN'T PAYING IT AND I'M TRYING TO REPORT IT AS SOON AS I REALIZED IT WHEN I STEPPED OFF THE CRUISE SHIP. THE MERCHANT IN XXXX CHECKED THE AFFIRM ACCOUNT AND MY XXXX XXXX XXXX FOR APPROVAL AND I DIDN'T REALIZE THEY HAD CHARGED ME AFTER I FELT UNEASY WITH THEY WAY THEY WERE RUSHING ME, BECAUSE OUR CRUISE SHIP WAS FIXING TO BOARD AND AFTER I DECLINED AND LEFT, THEY PROCESSED BOTH MY ACCOUNTS AND THE AMOUNTS THAT HE WAS SELLING IT FOR WAS NOT WORTH ME MAXING OUT MY ACCOUNTS. I NOTIFIED BOTH AFFIRM AND XXXX XXXX XXXXXXXX XXXX AS SOON AS I VERIFIED THAT BOTH ACCOUNTS HAD BEEN COMPROMISED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
My wife and I had a mortgage with XXXX. We we given a XXXX month forbearance on this mortgage starting from XXXX of XXXX to XXXX of XXXX. XXXX sold this mortgage to Shellpoint and I have been attempting to get a loan modification on this since XX/XX/XXXX. And for the past XXXX weeks, Ive been jumping through hoops trying to get this done, and every week that went by, Shellpoint said they needed new docs uploaded, or they were waiting on approval. I was finally approved on their website on the XXXX of XXXX. Upon calling back on the XXXX, I was then told I wasnt approved. Now they have restarted the entire process over again. I have gotten so many contradictory answers from so many different reps at Shellpoint, and this is the biggest runaround I have ever experienced. Meanwhile the outstanding balance I owe is not paid off, and the entire purpose of this was to get that balance put to the end of the loan. Ive resumed making my normal mortgage payments and all I need is this balance to go away so my account can be brought current and my credit stop being affected. Everytime I call in, I get a different answer about whats needed, when its needed. I get told yes weve received the necessary documents, and then XXXX days later Im told no, we never got those documents. Im being deliberately misled into believing this process will be completed, they approved me and then denied me. I want this loan modification approved and finished ASAP. My mental health has severely been affected by this XXXX week battle. I feel lied to and deceived and as someone who has recently undergone health struggles ( resulting in needing the XXXX forbearance to begin with ), I need this matter closed promptly.

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 2026-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
My loan application was denied based on inaccurate and unverified credit data, and the lender failed to correct known errors or perform a credit supplement despite documentation provided. I identified multiple inaccuracies in my credit report, including duplicate liabilities, the same account reported multiple times ( XXXX ), and credit cards incorrectly listed as my personal debt when I am only an authorized user. I submitted documentation to support these corrections. Despite this, the lender did not order a credit supplement or otherwise verify the discrepancies before making a final decision. As a result, my loan appears to have been evaluated using inflated and inaccurate debt-to-income calculations. In addition, I submitted a corrected Letter of Explanation to clarify my primary residence in Georgia. However, the lender continued to rely on an earlier version and did not properly consider my correction. I made multiple attempts to resolve these issues, including requesting a review and providing supporting documentation, but my concerns were not addressed. I am requesting a full review of my loan file, correction of all inaccurate liabilities, and reconsideration based on verified and accurate financial 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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I set up a payment for XXXX XXXX for {$280.00} to prevent a charge off. Today, XXXX XXXX Bank of America illegally went into my checking account and took {$280.00} and would not credit it back because it hasnt processed on the bank ends. They put my account in the negative and resulted in an overdraft from my banking account. They stated once it processed, it would take XXXX days to even have it returned. They acknowledged this was illegal to take it from my account. I also asked for proof that my account information has been removed, and that I wanted written proof, they stated they couldnt send a letter or email verifying the removal. Back of America is using predatory, fraudulent and illegal tactics. Complaint number I was issued : 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