vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WA

Complaint narrative:
I have federal student loans and was on track to have XXXX qualifying payments in XX/XX/XXXX. I submitted my final employment certification form in XX/XX/XXXX, which was processed by XXXX XXXX XXXX. However, I was informed that payments for XXXX, XXXX, and XX/XX/XXXX did not count because of the XXXX plan forbearance. This situation has been incredibly frustrating and unfair. I did not request forbearance, and at the time I was told there was nothing I could do to opt out. Prior to that, I was making regular automated payments every month ( see attached payment history PDFs ). I also received mixed and conflicting communications from my servicer, MOHELA, including written correspondence stating that I would receive credit for those months ( see MOHELA XXXX & transcript attached ). When I learned that these months did not count, I submitted a payment buyback request on XX/XX/XXXX. It has now been over 18 months -- far exceeding the stated processing time of XXXX business days -- and I have submitted multiple feedback cases as outlined below : Feedback Case # XXXX ( XX/XX/XXXX ) Feedback Case # XXXX ( XX/XX/XXXX ) Feedback Case # XXXX ( XX/XX/XXXX ) Feedback Case # XXXX ( XX/XX/XXXX ) My most recent feedback case # XXXX ( XX/XX/XXXX ) remains " in review. '' None of these feedback cases have resulted in a meaningful or substantive response. Given the length of this delay, the clear documentation supporting my position, and the lack of any reasonable explanation, I then respectfully requested that this case be escalated to the XXXX XXXX XXXX Ombudsman XXXX for urgent review and resolution numerous times. These requests have gone unanswered for over XXXX years. I remain committed to resolving this matter in good faith but can not continue to wait indefinitely while my case goes unaddressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
For sometime, I keep getting notices about a credit card debt with a XXXX XXXX XXXX XXXX and Ive reached out several times through the credit reporting agencies as well as the company itself and stated I have never opened a XXXX XXXX XXXX until very recently and that card was a secured card. I said that any account with XXXX XXXX that was considered a XXXX card or for that matter, any card was fraudulent, it should be listed as true name fraud. They continued to send me notices. I continued to reach out and stated that I have not opened an account. I have never opened an account and that it is fraud. I finally decided on XXXX XXXX that I have no way to prove this is fraud. I asked the representative. Is there a XXXX time settlement amount your offices would be willing to accept to remove this from my credit report. I was told yes, and the amount given was {$160.00}. I made that payment on XX/XX/year>. The representative told me it would take up to 30 days to remove from my credit report. XXXX XXXX with that ; I ask the representative though is there going to be some type of letter that I would be receiving showing that I settled the account. The representative told me that after a few days if I were to login on the resurgent.com Website, I would no longer see an account or a profile. On XX/XX/XXXX a letter was sent to me through resurgent thanking me for the payment of {$160.00} and that I still owe a balance of {$290.00} again proceeded to call resurgent capital and they informed me now that because I made the payment online with the representative on the phone they were not going to honor it as a settlement amount. If this was the case because the young lady I was speaking with on XXXX XXXX was having issues with her system I would have called back to make the payment directly. I relied on her statement to me that my making this payment of {$160.00} on XXXX XXXX would settle and close the account and remove it from collections. For the representative to tell me today that that is not the case because of how I made the payment, even though the payment has been honored and cleared, is a total case of misrepresentation and I wouldve chosen a different path in terms of fighting this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Alorica Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding an alleged personal loan debt that I strongly believe may be the result of identity theft. I was recently notified of a debt allegedly owed to XXXX XXXX XXXX XXXX, which has resulted in a wage garnishment order being sent to my XXXX based on a case filed in XXXX XXXX XXXX XXXX XXXX ( Case # : XXXX ). However, I do not recognize this debt and do not recall ever authorizing or applying for such a loan. Additionally, this alleged account does not appear on any of my credit reports, which has prevented me from disputing it through the credit bureaus. I previously filed a complaint regarding this matter, and XXXX XXXX XXXX XXXX responded that as of XX/XX/XXXX, they no longer service personal loans and advised that the servicing of this account is handled by Systems and Services Technologies , Inc.. Given these circumstances, I am requesting that the CFPB investigate this matter further. I have serious concerns that my identity may have been compromised and that this loan may have been opened without my knowledge or authorization. Despite my dispute and the lack of verification, a garnishment order has already been issued to my employer. If enforced, this garnishment would cause significant financial hardship. I am currently pursuing legal action to contest this claim, and a hearing is scheduled for XX/XX/XXXX. I respectfully request the following : A full investigation into the validity of this alleged debt. Verification and documentation of the original loan application, including any signatures, identification, or authorization used to open the account. Confirmation of the current entity responsible for servicing or collecting this alleged debt. Immediate review of the garnishment order and guidance on steps to halt or suspend collection activity while this dispute and investigation are ongoing. Until the legitimacy of this alleged debt is fully verified, I request that collection and enforcement actions, including garnishment, be suspended. I appreciate your assistance in helping resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC
State: NJ

Complaint narrative:
On multiple occasions, I requested proof that alleged repairs were made to the returned car. And I requested information on the amount received when the car was auctioned, as I do not believe they suffered any loss or damages. They either ignored our requests or refused to speak to me ( husband ), even though we had given written permission to speak with me. They have now threatened my wife 's credit, so I paid but am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Wells Fargo for unjust closure of my business and personal accounts, in direct violation of both contractual obligations and consumer protection laws. Specifically, Wells Fargos actions violate the New Jersey Consumer Fraud Act, as well as the Truth in Lending Act and the Electronic Funds Transfer Act, all of which safeguard consumers from unfair or deceptive banking practices. On XX/XX/XXXX, Wells Fargo closed my business and personal accounts without adequate notice or justification. This followed a disputed wire transaction of {$8800.00}, tied to a repair service for a customer named XXXX. During a call with XXXX, a police officer was present, and the conversation was recorded on body cam, strongly disproving the customers false claim that he needed the funds personally. As a result, Wells Fargo is withholding my funds, leaving me unable to pay rent or meet business obligations. Moreover, Wells Fargo continues to reject all payments and withhold debits or credits to my vendors, putting me at imminent risk of business closure, loss of credit lines, and damage to my credit cards. This unjust withholding is causing immediate harm, and I am in danger of catastrophic financial loss. Wells Fargos actions breach multiple consumer protections, including the New Jersey Consumer Fraud Act, the Truth in Lending Act, and the Electronic Funds Transfer Act, all of which safeguard against deceptive and unfair banking practices. Furthermore, Wells Fargo has a well-documented history of such allegations. In XXXX, the CFPB ordered Wells Fargo to pay {$2.00} XXXX in restitution due to unlawful account practices, and in XXXX, they were fined {$100.00} XXXX. These repeated failures underscore a systemic issue that now threatens my livelihood. I request immediate intervention, a full investigation, and an immediate reversal of these closures. I further request immediate access to my funds, as any continued withholding will destroy my business, credit, and financial stability.

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 2026-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am filing this complaint regarding mortgage servicing errors and failure to respond to a Qualified Written Request ( QWR ) under RESPA by Onity Mortgage ( formerly PHH Mortgage ). Timeline of events : My loan was part of a VA buyback/transfer process. The servicer, Onity/PHH , did not begin servicing the loan until approximately XX/XX/XXXX, which they confirmed in writing. Prior to that date, I attempted to make payments but repeatedly received account not found errors, making payment impossible. Despite this, the servicer is claiming delinquency dating back to XXXX XXXX. I submitted a Qualified Written Request and Notice of Error on XX/XX/XXXX, disputing : The delinquency status Rejected payments The account not being payable Insurance lapse caused by inability to pay Incorrect and changing amounts due The servicer acknowledged the request but failed to provide a substantive response. Instead, they repeatedly claimed my email was not registered and refused to address the issues. On XX/XX/XXXX, they requested an additional 14 days to respond. That deadline passed without a proper response. On XX/XX/XXXX, they sent a letter stating they were unable to research my complaint due to insufficient detail, despite the detailed information already provided. Meanwhile, the amount required to cure the alleged default has changed multiple times ( approximately {$7600.00} {$10000.00} {$9100.00} ), with no itemized accounting or explanation. I attempted to make a good-faith payment of {$1500.00} on XX/XX/XXXX, which was returned with the explanation that it was insufficient to cure the default. The servicer also sent insurance demand and force-placed insurance notices, even though the insurance lapse was caused by their failure to accept payments. On XX/XX/XXXX, the servicer issued a Notice of Default claiming XXXX missed payments beginning XX/XX/XXXX, and demanding {$9100.00} to cure the default. Key issues : 1. The account was not payable prior to late XX/XX/XXXX due to servicing transfer delays. 2. Payments were rejected as account not found. 3. The servicer is improperly backdating delinquency to a period when payment was not possible. 4. The amount due has changed repeatedly without explanation. 5. The servicer failed to provide a proper response to a QWR within required timeframes. 6. The servicer rejected a good-faith payment attempt. 7. The servicer is pursuing default and potential foreclosure while the account is in active dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This company is reporting andinaccurate delinquent account to my credit file. I respectfully request an expedited investigation and removal of this item, as it does not accurately reflect my payment history. I had no knowledge of any outstanding balance or delinquency associated with this account. The account in question had previously been closed and was set up on automatic payments. At no time did I receive any notificationeither by mail or emailregarding a missed payment, past due balance, or delinquent status. Upon further investigation, I discovered that the creditor had an incorrect address on file for me. As a result, any billing statements or notices that may have been sent were directed to the wrong address and never received. This lack of proper notification directly prevented me from resolving the issue in a timely manner. As soon as I became aware of the situation, I immediately contacted the creditor and resolved the matter. The balance has now been paid in full. Given that this issue resulted from inaccurate contact information and lack of notification, the reporting of delinquency is both unfair and misleading. I also should add that this company didnt try to contact me once they just reported to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I wrote a check to the United States Treasury ( IRS ) for {$50000.00} on XX/XX/XXXX and mailed it at my local XXXX XXXX XXXX. The check was cashed for the same amount so my checkbook remained balanced. On XX/XX/XXXX I discovered that the check had been washed and filed a complaint with JP Morgan Chase XXXX customer service the following day. Despite their commitment to a timely follow up, it did not occur. I contacted my local private client banker who took my information including images of the check that I wrote and the one that was cashed. With the assistance of a magnifying glass I have identified at least a dozen variations. She also committed to escalating the problem and a timely follow up. Neither occurred. Subsequently I have attempted to contact the branch manager were I have banked for more than XXXX years. He has remained elusive. Finally on XX/XX/XXXX I was informed that my complaint was escalated to the Chase Executive Office. This should have happened in XXXX. During this ordeal, Chase has repeatedly told me that I was wrong for not identifying the failure of their security measures built into the blank check that they provided to me. Not one employee has acknowledged the failure of their security system or accept any responsibility. Does this mean that every month that I have to inspect every check under magnification to confirm that the images of my cashed checks are legitimate? I thought that it was JP Morgan Chase 's responsibility to safeguard a and protect my funds in my checking account. More formally and in summary, JPMorgan Chase paid an altered ( washed ) check that I wrote to the IRS. The check was chemically altered by a fraudster, and Chase charged my account for the altered item. Under UCC 3407, an altered check is not properly payable, and the banknot the customeris responsible for the loss. Chase denied reimbursement and stated that I should have identified that the cashed check was not original. This is an unfair and deceptive claim. Consumers are not expected to detect chemical washing or document alteration. Banks have the responsibility and tools to detect altered items, and the depositary bank provides a warranty that the check was not altered. I am requesting that the CFPB require Chase to : 1. Reimburse the full amount of the altered check. 2. Provide documentation related to the alteration and depositary bank. 3. Cease shifting liability to consumers for bankdetectable fraud. Chases refusal to reimburse me is an unfair practice and violates the standards governing properly payable items.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Acra Intermediate Holdings, LLC
State: TX

Complaint narrative:
IDENTITY THEFT BLOCKING DEMAND Pursuant to 15 U.S.C. 1681c-2 I am submitting this notice as a formal Identity Theft Reportbased demand for statutory blocking under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2. Enclosed is my Federal Trade Commission Identity Theft Report ( FTC Report No. XXXX ), executed under penalty of perjury, which establishes that my personal and financial information was used without authorization in connection with fraudulent activity involving XXXX XXXX XXXX XXXX and related Automated Clearing House ( ACH ) transactions. The account and all associated activity are the result of identity theft. I did not authorize, initiate, consent to, or benefit from this account or any related transactions. The use of my financial identifiers in this manner constitutes unauthorized use of an access device within the meaning of 15 U.S.C. 1693a ( 12 ) and 12 C.F.R. 1005.2 ( m ). This submission satisfies the statutory requirements for identity theft blocking under 15 U.S.C. 1681c-2 ( a ), including proper identification of the information resulting from identity theft, provision of a valid Identity Theft Report, and submission of sufficient proof of identity. Accordingly, you are required by law to : 1. Block the reporting of all information identified as resulting from identity theft within the timeframe mandated by 15 U.S.C. 1681c-2 ( a ) ; 2. Remove the XXXX XXXX XXXX XXXX tradeline and any related data from my consumer file ; XXXX. Prevent any re-reporting of this information unless and until it is verified as legitimate in strict compliance with the statute ; 4. Notify any furnisher of this information that it has been blocked due to identity theft. This is not a reinvestigation request under 15 U.S.C. 1681i. This is a statutory blocking demand under 15 U.S.C. 1681c-2. The obligations imposed under this section are mandatory and not discretionary. Any continued reporting of this account following receipt of this notice constitutes the reporting of information known or reasonably believed to be inaccurate, in violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ), and may subject all responsible parties to civil liability. Please provide written confirmation that the identified information has been permanently blocked and removed from my credit file in accordance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a missing mortgage payment and request an immediate investigation into this matter. On XX/XX/year>, I made a mortgage payment in the total amount of {$4000.00} to my prior loan servicer, XXXXXXXX XXXX XXXX XXXXXXXX, for the XX/XX/year> payment. The payment was allocated as follows : Principal : {$1300.00} Interest : {$2000.00} Escrow : {$590.00} Fees : {$0.00} Total : {$4000.00} In XX/XX/year>, my loan servicing was transferred, effective XX/XX/year>, to XXXX XXXX ( sub-servicing for XXXX XXXX XXXX ). To date, this payment has not been credited to my mortgage account. I have made multiple attempts to resolve this issue, including : Providing transaction history statements from XXXX confirming receipt of payment Submitting official bank statements verifying that the payment was sent and cleared Providing escrow documentation reflecting the payment Obtaining written confirmation from XXXX that the payment was received Despite these efforts, the funds have not been applied to my account. I have spoken with multiple representatives and supervisors from both servicing companies and have participated in three-way calls between both parties, yet no resolution has been reached. Both companies are not taking responsibility of the missing payment which led me here.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: CA

Complaint narrative:
I enrolled in a debt settlement program with Beyond Finance to resolve my credit card debt. During the program, Beyond Finance negotiated settlement offers with my creditors. On XX/XX/year>, I contacted Beyond Finance and clearly requested to terminate my participation in the program so that I could resolve my debts directly with my creditors. Despite this, on XX/XX/XXXX, XXXX my termination requestBeyond Finance charged XXXX separate settlement fees to my account. These fees were related to a XXXX credit card account that had not yet been fully settled or completed through their service at the time of my cancellation. I believe these charges are improper and unfair because : The fees were assessed after I had already requested to terminate the program The underlying debt settlement was not fully completed at the time the fees were charged I did not authorize Beyond Finance to continue processing or charging fees after my cancellation request The timing and justification of these fees were not clearly disclosed to me Additionally, I have requested clarification and documentation regarding how these fees were calculated and whether they are legally owed, but I have not received clear or satisfactory responses. This situation has caused financial harm and confusion, especially as I am actively trying to resolve my debts responsibly. I am requesting that Beyond Finance : 1. Remove or refund any settlement fees that were charged after my termination request, including the fees charged on XX/XX/year> 2. Provide a full breakdown of any fees assessed and the legal basis for those fees 3. Confirm that I am free to resolve my debts directly with creditors without additional charges from Beyond Finance I believe this may constitute unfair or deceptive practices in violation of consumer protection laws governing debt settlement companies.

Company response to consumer: Closed with explanation