vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Imperium Lending, LLC
State: MI

Complaint narrative:
Around XXXX I did a streamline refinance on my mortgage. It seemed like a good option considering it would allow me to decrease my interest rate and ultimately my mortgage payment. I was told it was not easy but they were basically able to cover all the closing costs. I was told to bring XXXX to closing.. I would be able to skip a house payment in XXXX and I would receive XXXX back after closing because that is what was in my escrow. I was very concerned because it going to increase my mortgage balance from XXXX to XXXX XXXX XXXX XXXX XXXX asssured me it balanced out and I would be able to take my XXXX escrow refund and apply it to the mortgage. This was definitely an advantage to me because XXXX XXXX and I thought it could help with my credit card payments so it balanced out. On around XXXX I received an escrow check for {$750.00}. I contacted XXXX he instructed me to contact XXXX & XXXX mortgage which is where my original mortgage was from. I contacted them spoke with XXXX. She said that she can not see where he got those numbers and she confirmed she had her colleague also look over the information and I was only owed {$750.00}. She said XXXX should contact them and go over the numbers. I contacted XXXX and he did not respond. I waited a few days and contacted him again. He will not answer. A person named XXXX was allegedly a contact person for him so I contacted her. No response. Im disappointed in this process and I find it so unfair that the papers are signed and there is nothing I can do. They should be required to honor what they told me. If I could I would go back to my original mortgage and keep the increased rate. This did not benefit me at all and ultimately hurt me adding owed money to my mortgage. I view this as fraud. Please do not let them do this to consumers. I can not be the only person this has happened to. What professional will not return a call or text .. Not to mention I contacted his alleged higher up XXXX who is also just as unprofessional and will not respond. I do not have this persons last name. XXXX XXXX and XXXX were imperium lending LLC with my new mortgage serviced by XXXX XXXX Mortgage. The account number for my mortgage is with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: IL

Complaint narrative:
This was a prepaid card for unemployment benefits that was closed on XX/XX/XXXX. I received a letter on XX/XX/XXXX that a XXXX XXXX monthly inactivity fee will be applied starting XX/XX/XXXX. I have called numerous times since receiving this notice and nobody answers the call and I can't get anywhere on the website because I don't have a card. XXXX was cut up and thrown away when I closed it XXXX and a half years ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
I took a loan out with XXXX in XXXX and made all the payments back to them. My final payment with the company was on XX/XX/XXXX and I received a confirmation email that same day at XXXX saying it was my last and final payment and that the account was paid in full. 

After the account was paid off, I ended up being incarcerated on XX/XX/XXXX. I've been incarcerated until XX/XX/XXXX. Within that time frame, there was an email sent saying the login information for that XXXX account was changed. Following my release, I checked my credit report and it says I owe {$800.00}. 

That debt does not belong to me and is a result of fraud. I've disputed this account multiple times with all XXXX credit bureaus providing the proper documents to prove I was incarcerated. I've contacted the company and they refused to speak to me nor send me the proper information. The collections company is XXXX Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I was misled by my school into a private loan, and Mohela is improperly denying my discharge request. 
I currently have a Private Signature Student Loan ( with my father as the co-signer ) in the amount of {$45000.00}. My original borrowed amount was {$21000.00}, disbursed on XX/XX/XXXX. I have paid {$26000.00} towards this loan, {$20000.00} went just towards interest. My current interest rate is XXXX XXXX 
I have submitted a XXXX XXXX XXXX through XXXX originally and denied my application and then transferred my loan to Mohela. I was advised that XXXX had been denying around XXXX XXXX of these applications even if the school was in fact accused and proven to be involved in predatory student lending during the time that I was enrolled. 
I resubmitted a new School Misconduct Application through Mohela with supporting evidence, including " The Art Institutes Borrower Defense XXXX Summary, '' provided by Studentaid.gov that clearly outlines the misrepresentations and fraud committed by XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. I was sent a denial letter on XX/XX/XXXX. 
The XXXX Department of Education ( Department ) found that XXXX XXXX XXXXXXXX chain and its parent company, XXXX XXXX XXXX ( XXXX ), made pervasive and substantial misrepresentations to prospective students about postgraduation employment rates, salaries, and career services during that time. Due to these findings, all of my Federal Loans were almost immediately forgiven however the Private loans did not qualify. My school was accused and found guilty of predatory loan sharking which is the direct cause of me obtaining this private loan in the first place. 
Private education loans used at for-profit schools include a specific contract clause preserving the borrowers right to assert claims and defenses against the loan holder that they could have raised against the school. This is mandated by the FTCs XXXX XXXX, commonly known as the XXXX XXXX. In plain terms, if your school engaged in fraud or breach of contract, you can use that as a defense against repaying the loan the lender stands in the shoes of the school. I believe the denial of my XXXX XXXX XXXX is in direct violation of this because I provided a sufficient amount of evidence and supporting documents to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: OneMain Finance Corporation
State: AR

Complaint narrative:
A couple of family members and I received a call saying I owed a debt to a bank for a loan I took out in XXXX. The bank name they gave I had never heard of or have never done business with. They claimed that this bank was suing me for the amount owed and that they were trying to keep it out of court by collecting a settled offer or arranged repayment. I contacted the bank they say I owe, and I do not have an account with them. The name of the " XXXX XXXX '' was XXXXXXXX XXXX XXXX claiming I owed One Main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX I received correspondence that my " Shop Your Way '' XXXX '', issued by CitiBank, was being replaced with a " Citi ThankYou XXXX '', effective XX/XX/XXXX. It stated that " my Shop Your Way membership remains active '', and that " any points I'd earned through XX/XX/XXXX were still valid through the end of the quarter following XXXX year from the date they were awarded ''. All the points I am due fall well within that defined time period. At the time of the account change I had XXXX Shop Your Way points. Points were not creditable for cash or statement credits. Instead, the program would allow members to use their points to acquire gift cards from an array of retailers.To redeem points the member would log into the Shop Your Way website and redeem them there. The problem arose, when after their changeover, I could no longer log into my account at the website I had always used, ( shopyourway.com ). Part of the login procedure begins with them sending a verification code to my email address. Unfortunately, no code would ever show up in my email, ( yes, I checked the spam folder ), no matter how many times I tried. I called customer service at XXXX XXXX, on XX/XX/XXXX, and asked why my points hadn't transferred over, as promised in their correspondence. I was told that they are still working on the transfer, and that I should " be patient ''. I wait for several more billing cycles and still no sign of my points. I called again on XX/XX/XXXX and was transferred to the Shop Your Way number. That turned out to be an AI robot who was unable to transfer me to a human, and only offered generic information, and could not offer any support in getting me logged in, in order to redeem my points. I called XXXX XXXX again, on XX/XX/XXXX, to explain again. The representative was terse, and said that they were a different program now, put me on hold, and then I was disconnected. It seems the promises made in their changeover correspondence were never meant to be carried through on. They seem to have walked away from their obligations to their customers. Shop Your Way rebranded as ThankYou, but that is the only thing that changed. The way ThankYou points are earned the same way as Shop Your Way points were earned. The statements are exactly the same, except for the name at top. The website is the same, except for the name at top. Even the credit card number remained the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Someone used my email address to sign up for an XXXX XXXX XXXX credit card through Barclays ( Account ending in XXXX ). I have been spammed with emails from this account for over XXXX  months and Barclays has not fixed the issue. 

There was no email verification done at all to prevent someone from using my email and the emails have no way to unsubscribe from them. 

Customer support agents were hostile, rude, and dismissive, saying I just needed to unsubscribe from the emails. When I stated there is no option to unsubscribe because they are notifications about account statements, they said I just need to look harder. 

They also suggested I just block the emails, however I have my own BarclayCard and I am not risking missing an email for my own account due to Barclays own negligence. 

Customer support also stated they have " no way to fix this issue unless the account holder calls and fixes it '', which violates various FTC privacy/spam rules. 

Not only that, I am receiving someone else 's private financial information ( their full name, account balance, payment amounts, etc ) When signing up for a credit card in a store, credit card companies need to require email verification as part of the sign up process.

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 2026-01-28 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: Block, Inc.
State: FL

Complaint narrative:
{$1100.00} was deposited into my Cash App balance. At the time, I was shown an overdue Cash App Borrow balance of approximately {$490.00} plus late fees. It was confirmed over the phone as well by a Cashapp agent of my overdue balance. 
Upon deposit, Cash App automatically applied funds not only to Borrow but also to multiple XXXX loans. This cross-product payment allocation was not disclosed to me in advance, nor was I presented with a consolidated payoff amount showing that funds would be applied beyond the Borrow balance displayed. 
When I requested an allocation breakdown, they did not deny that funds were applied across Borrow + XXXX, they did not deny that balances not yet due were paid, and they did not provide a combined payoff disclosure. 
They did not address why the overdue amount shown did not reflect total exposure. Cash App support provided fragmented explanations with multiple representatives and ultimately declined reimbursement, citing autopay authorization without addressing the lack of upfront disclosure or clarity regarding total obligation at the time of collection. 
I am requesting that the CFPB review whether Cash Apps payment allocation practices and disclosures meet consumer transparency requirements, and whether funds were applied to balances that were not past due without proper notice. I am seeking reimbursement for missing funds and any amounts collected without adequate disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: VA

Complaint narrative:
I have over {$3000.00} in my checking account and am unable to access my money. It does like the bank has a lock on my account but wont tell me why all my transactions are declining nor am I able to access my money at all. I cant transfer funds, every transaction I make declines. With no explanation. Ive called multiple times and talked to multiple people and they can not give me an answer as to why. They just keep telling me to give it time its been 3 days and I can not access my money nor are they making any attempt to resolve this issue. I want the funds in my account because theres no reason for them to be holding it. Ive made multiple types of transactions and its too many to list here. No amount or type of transaction will go through though. I need my funds. ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Continued issues with processing payments to manipulate payment dates causing insufficient funds, fees, and delays.

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 2026-01-28 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: CITIBANK, N.A.
State: SC

Complaint narrative:
An XXXX XXXX XXXX XXXX property was booked in my name without my doing. I had booked a different property and when I looked the next day, 2 properties had actually been booked. I called XXXX XXXX XXXX XXXX and they said it was to late to cancel even though I told them I had not in fact booked the second propery - for the exact same dates the first was booked for. 
I attempted many times to get them to cancel this booking but they refused as it was beyond their 24 hour cancellation policy. 
I contacted my credt card company and they issued a dispute. On XX/XX/year> I recieved an email form XXXX XXXX XXXX XXXX stating " Your reservation has been cancelled and your refund of {$3100.00} is on its way '' I called my credit card company that same day to report this and the respresentative suggested I withdraw the dispute. I said I was afrad to do this as XXXXXXXX XXXX XXXX may withdraw the credit and the agent said " This will never happen '' This conversation is on a recorded line and the credit card company has acknowldged this. 
Shortly after, the charge went back on my card and I called to reopen the dipute. On XX/XX/year> I recieved a letter from my credit card company stating it could not be reopened and I would have to pay the charge. 
I have called and talked to supervisor after supervior who told me that even though the conversation was recorded and the representaive gave me the incorrect infrmation they will do nothing for me.

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 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Climb Credit Inc.
State: CO

Complaint narrative:
Climb credit union took over my loan from XXXX XXXX. Climb credit union tries to add a " XXXX '' fee if your vehicle isn't insured. They also will apply this " XXXX '' fee if they feel like it. 2 charges of {$140.00} applied to my loan in XXXX, when insurance details were provided months ago. I resent details at tge start of XXXX, and was still charged on the XXXX. They use a 3rd party company to apply these charges, and the companys can't communicate for at least 1 month. So until they decide to review your case, fees will keep adding. Filed for " skip-a-pay '' and was still charged a late fee.... stay away from Climb credit union

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: CL Holdings LLC
State: TX

Complaint narrative:
Complaint Description : I am a resident of Texas and I am filing this complaint against Jefferson Capital Systems , LLC for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I sent a formal Debt Validation Request via Certified Mail regarding a XXXX account ( Collection Reference ID : XXXX ). On or around XX/XX/year>, this account was removed from my credit report following the receipt of my dispute. 

However, as of XX/XX/year>, Jefferson Capital Systems has : Improperly Re-inserted the XXXX account back onto my credit report without providing the mandatory 5-day Notice of Reinsertion required by the FCRA. 

Added a new XXXX  collection account # XXXX to my credit report immediately following my dispute of the XXXX account XXXX This appears to be a retaliatory " debt sweeping '' tactic. 

I have already demanded a signed contract and a " Chain of Title '' for the XXXX account, which the collector has failed to provide. I now formally dispute the XXXX account in its entirety and demand that the collector provide the original signed agreement and an itemized breakdown of any alleged charges for that account as well. 

Under Texas Finance Code 392.202, Jefferson Capital must cease collection and delete these items if they can not determine their accuracy within 30 days. Their behavior of deleting and then immediately re-adding the debt is a deceptive practice intended to bypass the legal dispute process.

I request that the CFPB : Order Jefferson Capital Systems to provide the signed contracts for both the XXXX and XXXX accounts. 

If no contracts exist, compel the immediate and permanent deletion of both tradelines from all credit bureaus ( XXXX XXXX XXXX ). 

Investigate the company 's failure to provide a Notice of Reinsertion for the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have a loan amount of {$330000.00} per my dashboard on PHHXXXX website. That is not correct though. XXXX is telling me that I owe an additional amount of {$210000.00}. That is not at all indicated on my login dashboard. They cant tell me what the additional amount is for but I owe it. I believe the extra amount they say I owe, was supposed to be forgiven debt per the XXXX loan modification which was ratified about 20+ years ago. Bottom line is that they fraudulently misrepresented the amount I owe on their website dashboard. I am at a standoff with them about this situation. I have screenshots of their fraud whenever you would like. Please help. I am closing on the sale of my home on XX/XX/2026 and this will determine how much money that I get from the proceeds. I have based real life plans on their fraudulently advertised loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting on an account that has been paid in full and currently reflects a XXXX balance. 

Although the account is reported as paid off, the payment history continues to reflect negative or misleading status indicators ( C ) across multiple months. This reporting is inaccurate and materially misleading, as there is no outstanding balance and no delinquency that would justify continued negative payment history.

This constitutes a violation of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) and ( b ) failure to properly report and correct information after notice of dispute Despite the account being paid, the continued reporting of adverse payment history harms my credit profile and does not accurately reflect the status of the account.

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