vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
XXXX serviced my student loans for many years and always gave me the incorrect advice, even lying to me when I would call in about the best options for repayment. Like when I got laid off and instead advising me to go on an new XXXX when I have nearly no income, they would say to put me on forbearance, which still accrued interest instead of a low-in come XXXX. 

I am now with XXXX which doesn't seem much better, and I have no idea how much I paid Navient over the years, and how I went from XXXX interest to almost XXXX % interest rate. 

Also there were times when I are-certified on time, but XXXX took so many months to process my application that by the time they did I was ineligible for what I applied for. 

I think I borrowed $ XXXX and still owe over $ XXXX, XXXX years later. I have struggled financially and been laid off a few times but really have XXXX visibility into what was paid on each loan and why my interest is so high. Would I have ever consolidated loans had I known I was going to lose that low interest? No. 

I'm also in SAVE forbearance now, and have been told exactly opposite/different things by my new provider reps as to how to work towards XX/XX/year> year forgiveness. XXXX XXXX XXXX told me to enter a standard XXXX and another told me not to, so I have XXXX idea of how to ever get rid of this loan or work towards forgiveness. 

Money does not go as far as it used to and this debt accounts for nearly half of all my debt. I have had credit cards, mortgages, personal loans and ONLY my student loans fail to make clear terms, rates, interest incruals, rate changes, etc. How is this even legal? Please help. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX, XX/XX/year> Portfolio Recovery Associate Subject : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear Portfolio Recov Assoc, I am responding to your recent communication regarding an alleged debt you claim I owe. This letter is not a refusal to pay but a notice that your claim is disputed. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide validation of this debt. Please provide the following : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including an itemized breakdown of interest, fees, and other charges. 3. A copy of the original signed agreement or contract that created the debt. 4. Verification that your agency is licensed to collect debts in my state, including your license number and registered agent. 5. Documentation showing that you have the legal right to collect this alleged debt, whether by assignment or ownership. Until this information is provided, you must cease all collection activities, including reporting or verifying this debt to credit reporting agencies, as doing so would violate the FDCPA. Please send all correspondence to the address listed above. I request that all future communications be in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 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: DISCOVER BANK
State: TN

Complaint narrative:
I am filing a complaint regarding {$770.00} in unauthorized in-store charges on my Discover card.

Discover claimed I am liable because I froze and unfroze my account while traveling in XXXX. I did not make, approve, or benefit from the charges. They have uncredited these charges and want me to be liable on paying this off.

Under the Fair Credit Billing Act, freezing/unfreezing an account does not constitute authorization. I request a full reinvestigation and removal of the disputed charges.

I have attached travel documentation confirming my presence outside the United Stated during the transactions.

I have emailed a rebuttal to Discover 's fraud department.

Please require Discover to provide evidence tying me to the transactions, which they have not done. I request the unauthorized charges be removed and my account corrected accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
We were alerted on XX/XX/year> that our E * Trade Joint Checking ( {$4000.00} ), Joint Savings ( {$45000.00} ), and Joint Brokerage ( {$27000.00} ) accounts were restricted due to unusual account activity. We have been repeatedly told that someone would contact us and this has not happened as of XX/XX/year> We were told that the issue would be resolved within XXXX business days The checking account receives direct deposits and automatic payments that are going to be disrupted. Essentially, these accounts are frozen, i.e., we have no access to our funds. We have been provided with no explanation for the hold and have no confidence with what we have been told to expect. We also have no information regarding the status of deposits and withdrawals that should have been made in the checking account. 

Our efforts to resolve this issue with the E * Trade department that we were told to contact in the alert have not allowed us to speak with the E * Trade representatives that can provide us with meaningful information and/or correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
My personal information was involved in identity theft and data breach. I called all bureau to have the information deleted and they failed to delete from my personal account on all XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LAKEVIEW LENDING LLC
State: OK

Complaint narrative:
Lakeview Lending LLC, promised a interest rate of 4.99 % and payment between {$1000.00} to {$1100.00} weeks passed by and company blamed title company for the delay, then received loan summary from Lakeview Lending with changes to the agreement they changed their first agreement of 4.99 % to 6.6 % and raised the payment to {$1400.00} on further investigation paperwork Lakeview Lending had the loan set for 5.0 % interest and in the paperwork stated I authorized the change in interest which I did not. Through repeated harassment texts over closing and wanting to do a forced signing which I repeatedly requested corrected documentation with all promises make on the contract and a copy sent before any closing for a attorney to look over and make sure all documents were correct. Lakeview Lending would not comply and requesting a closing time without giving me time to read and have a attorney check the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Company Information : Company Complained About : Santander XXXX XXXX XXXX Auto Loan Servicer ) Company Address : XXXX XXXX XXXX XXXXXXXX, TX XXXX Vehicle Loan Primary Problem : Incorrect information on my report. 
Secondary Problem : Problem with a lender or loan services Santander XXXX XXXX  has repeatedly failed to correctly apply my auto loan payments, has provided me with conflicting information about my account balance, and is now demanding additional payments based on their own errors. Despite my detailed attempts to resolve this directly with them over a two-and-a-half-hour phone call, the core issues remain unresolved, putting me at risk of wrongful fees and credit damage. 
The specific payment errors are as follows - XXXX. XX/XX/XXXX XXXX ( {$1900.00} ) : On this date, I made a consolidated payment to both reinstate my loan ( covering towing fees, late charges, and XXXX 's amount due of {$1600.00} ) and pre-pay my XX/XX/XXXX installment ( {$250.00} ), for a total of {$1900.00}. Despite this payment clearing, Santander has not correctly applied the XXXX pre-payment portion. A representative acknowledged this error in a call on XX/XX/XXXX, and stated it would be fixed, but it has not been. 
XXXX. XX/XX/XXXX XXXX ( {$250.00} ) : As agreed, I made my scheduled payment of {$250.00} for the XX/XX/XXXX installment. This payment has also not been properly credited to my account. 
XXXX. Because Santander has failed to post my XXXX and XXXX payments correctly, they are now incorrectly demanding I pay approximately {$700.00}, which they claim is for a separate {$450.00} key fee plus the XXXX, XXXX payment. I am willing to address the key fee, but only after my legitimate monthly payments are correctly applied. Today, XX/XX/XXXX, is my payment due date, and I face potential late fees and negative credit reporting due solely to Santander 's errors. 

On XX/XX/XXXX, I spent 2 hours and 26 minutes on the phone with a Santander representative who acknowledged the payment posting errors and promised to fix them. 
On XX/XX/XXXX and XXXX, XXXX, I attempted to call again but was unable to reach the department due to stated office closures, despite posted business hours. 
I am attaching proof of all payments mentioned ( screenshots/statements ) to this complaint. 
XXXX. Screenshot/confirmation of the {$1900.00} payment on XX/XX/XXXX. 
XXXX. Screenshot/confirmation of the {$250.00} payment on XX/XX/XXXX. 
XXXX. Any relevant account statements showing the missing credits. 
XXXX. Records of my call attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: VA

Complaint narrative:
I am submitting a complaint regarding the servicing and modification of my personal installment loan serviced by LendingPoint and originated by XXXX XXXX. 
I borrowed {$4300.00} in XX/XX/XXXX under a XXXX installment loan with daily simple interest. After experiencing temporary hardship, I entered into reduced payment and temporary relief modification agreements in XXXX. 
While the modifications stated that interest would continue to accrue, I was not provided with a revised Truth-in-Lending disclosure, revised total of payments, revised finance charge, or a full amortization schedule at the time I agreed to the modifications. 
The actual amortization schedule I later received shows that the loan term was extended by more than two years, that the balance remained near the original principal for an extended period, and that the total cost of credit increased substantially beyond what was originally disclosed. 
Additionally, LendingPoint representatives provided confusing and misleading explanations regarding my repayment obligations, including statements suggesting that I was only responsible for interest, which is inconsistent with the loan documents and actual amortization. 
I am requesting that the CFPB review whether LendingPoint complied with federal servicing and disclosure requirements when modifying this loan, and whether interest was properly disclosed, applied, and explained. I am also requesting appropriate remediation, including interest credits or principal adjustment if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
Collection agency opened a debt in the amount of {$340.00} on XX/XX/year>, for a rental property i once lived in. I did not authorize this property XXXX XXXX to sell my information to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: WA

Complaint narrative:
I went to pay a bill in store at a place calleXXXX XXXX XXXX XXXXXXXX. The transaction was {$190.00}. as the merchant was processing the card the machine froze and his first thing that he did was unplug the machine. Before he unplugged the machine the transaction went through my account but they don't have record of it I asked cash app to refund the {$190.00} back to my card so that I could pull cash and pay them that way since they don't have a record of the transaction. I put in a dispute to which they did not contact the merchant they did not contact me for additional information and denied the claim within 24 hours. How does that work? I put in an appeal I have called and talk to you customer service to which I would like to attach part of the conversation that I had with customer service and now they're saying that I may have to wait 45 days for a transaction that they could easily reverse after contacting the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I received an email on XX/XX/year> saying that a new card was issued from Synchrony Bank for my JcPenney XXXX. I did not apply for this card and I have no knowledge of this at all. I then received an email XX/XX/year> saying my new card ( that I did not apply for ) is on the way. I am currently working on getting in touch with the JcPenney.

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 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX I tried calling company to request information to see what and how I owe any debt.

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 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I am filing this complaint again because my XXXX prior complaints were closed without allowing me to view PayPals response or submit a reply, which is not acceptable. In the past XXXX months, this reserve has been removed twice, only to be reapplied again without explanation. I use PayPal for only XXXX customer, with very limited transaction volume, and my account has no history of issues no chargebacks, no disputes, no customer complaints, and no negative balances. Despite this clean history, a XXXX-day reserve has been placed on my funds with no clear or documented reason. Holding funds for XXXX months without identifying a specific action, violation, or risk event is unreasonable. Additionally, closing complaints without allowing me to view or respond to PayPals explanation prevents any meaningful resolution. I am requesting access to PayPals prior responses, the ability to reply before the case is closed, and a specific written explanation identifying what activity on my account justified a XXXX-day hold. Besides all of this, what is holding {$20.00} going to do for anyone? To me its a " jab '' more so than a business practice. Please ensure this complaint remains open until I am able to review and respond appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am filing a formal complaint against IC System , Inc. regarding an alleged XXXX debt they claim I owe. 

I dispute this debt in its entirety. This is NOT my debt.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full debt validation. IC System has not provided competent evidence that I owe this debt, nor that they have the legal right to collect it.

Under federal law, once a debt is disputed, the collector must cease all collection activity until proper validation is provided.

I am demanding that IC System provide : 1. Proof that I am the person who owes this debt 2. A copy of the original signed contract or application with XXXX 3. A complete account history showing how the balance was calculated 4. Proof of assignment showing IC Systems legal authority to collect 5. The date of first delinquency Until this information is produced, this account must be considered unverified and unenforceable.

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), IC System is prohibited from reporting any inaccurate or unverified information to consumer reporting agencies. If IC System reports this account to any credit bureau without providing proper validation, I will consider it a willful violation of federal law.

I am requesting that the CFPB require IC System to : Cease all collection activity Provide full legal validation Refrain from furnishing this account to any credit reporting agency Permanently close this account if validation can not be produced If IC System can not provide the required documentation, this account must be deleted from their system and no further contact should be made.

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 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint against Citibank , N.A . regarding improper returned payment fees and the banks refusal to formally accept my dispute. 

In XX/XX/year>, I attempted to make XXXX payments toward my Citibank credit card account ( card ending in XXXX ) from XXXX different XXXX XXXX accounts. Both payments were marked as failed. When I contacted Citibank by phone, I was informed that the payments failed due to insufficient funds. I dispute this explanation, as I am certain that both originating bank accounts had sufficient available funds at the time of the payment attempts. I have documentation supporting the availability of funds. 

Despite this, Citibank charged me a fee of XXXX XXXX for each failed payment, totaling XXXX  XXXX. I believe these fees are excessive and unjustified, particularly given that the payment amounts were small and that the accounts had sufficient funds. 

Payment details : XXXX  XXXX attempted on XX/XX/year> XXXX XXXX attempted on XX/XX/year> Credit card ending in XXXX I attempted to dispute these charges and file a formal complaint with Citibank by phone on XX/XX/year>, and XX/XX/year>. On both occasions, Citibank customer service representatives refused to formally register my complaint or initiate a dispute process. 

I believe the payment failures were caused by a technical or interbank processing issue between Citibank and the originating banks. This is outside of my control, and I should not be held financially responsible for such errors. 

Requested resolution : Full reversal of the returned payment fees charged to my account. 

A formal review of the payment failures considering evidence of sufficient funds. 

Written confirmation of the resolution. 

I am submitting this complaint because Citibank has not provided a fair resolution and has refused to properly process my dispute. 

Thank you for your 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 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Requesting these items be removed and/or blocked from coming back on my credit report 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not appear on my consumer report, as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the listed accounts IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Had fraud on my card for almost {$3000.00}. I asked Citi to remove it from my bill. They wouldnt. A consumer should not be liable for fraud while the investigation is done. It is very unfair and immoral by Citi to take advantage of consumers and senior citizens

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