vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: WI

Complaint narrative:
On XX/XX/year>, I discovered a fraudulent MOHELA student loan on my credit report via my bank 's credit monitoring. I confirmed the account on XXXX XXXX XXXX. I have never applied for a student loan, am not a student, have no continuing education, and have no dependents. I have no connection to XXXX XXXX or XXXX XXXX XXXX XXXX. My credit was frozen for nearly all of XXXX except approximately 13 days in XX/XX/year>. This loan was opened XX/XX/year> while my credit was frozen for {$1500.00}. A second disbursement/installment was taken in XXXX for an additional {$1500.00}. XX/XX/XXXX : I called MOHELA to report fraud. They hung up on me. I disputed with XXXX and XXXX ; both returned " verified '' responses on XX/XX/XXXX, which contradicts MOHELA 's own subsequent findings. XX/XX/XXXX : I called MOHELA again. A representative flagged the account as fraudulent, added a security PIN, updated fraudulent contact info to my actual information, and initiated a discharge process. I have submitted all requested documentation to MOHELA. I am seeking removal of this account from my credit reports and formal discharge of this fraudulent loan.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX in XXXX, Georgia has liquidated my debt due to my health conditions. I had an acute XXXX. This collection company is aware of this occurrence ; however, they are intentionally trying to cause me misfortune. An employee made a XXXX XXXX at me and said she would ruin my credit. It is so unprofessional and cruel. As a Veteran, I am so disgusted!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am disputing this debt because it does not belong to me. XXXX is claiming that I owe {$570.00} related to an account in XXXX XXXX XXXX I recently received a collection letter from a third-party debt collector, Transworld Systems Inc. , sent to my parents home in XXXX XXXX XXXX I have not lived in XXXX XXXX for approximately 12 years and do not recognize this debt or account. I request that this matter be investigated and that the debt be validated and removed from my record if it can not be verified as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I found on XX/XX/XXXX that XXXX XXXX XXXXXXXX allowed a Garnishment to be put in place on a joint checking account which includes my husband and myself for {$5600.00} I was given a case number and phone number to the alleged Debtor After contacting the law firm Andreu Palma Lavin and Solis on XX/XX/XXXX I was told that the debt was from a XXXX debt belonging to my husband prior to marriage. The law firm confirmed that the birthdate & two addresses that they had on file DID NOT match my husband, however social security number and name was a match. I asked that the garnishment be removed as this was a joint account that receives state exempt child support deposits for my son.I explained that the law firm did not provide any prior notice of the debt or garnishment and XXXX XXXX XXXXXXXX also failed to provide notice to me or my husband of a garnishment being put in place on our checking account. Furthermore a search on the XXXX XXXX XXXX XXXX XXXX website had no record of the debt or alleged court ordered garnishment. I continued to XXXXXXXX XXXX XXXX XXXXXXXX and Andreu Palma Lavin and Solis over several days spanning from XXXX XXXX XXXX XXXXo resolve this matter. I also visited a XXXX XXXX XXXX XXXXXXXX on XXXX XXXX for help and did not get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
on XXXX On XXXX PNC credit cards received a late notice on account sent 13 days in earlier than due. The XXXX separate checks were apparently lost Went to PNC branch and stated problem. Bank put a stop payment, and accounts were paid at PNC branch. Late fees were charged and rescinded by PNC Branch. A charge was on XXXX account I did not make and called to contest the charge. No response to my question and from that point on to today XXXX, I cancelled both cards XXXX. Card # XXXX XXXX and XXXX. Now I get statements every month. As of last Statement dated XXXX they say I owe $ XXXX do not owe this money and never did. the PNC cards once issued by Bank are no longer controlled by Bank but a Card company. I will never pay this bogus amount they say I owe. Please stop these XXXX XXXX from trying to EXTORT money I DO NOT OWE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: AL

Complaint narrative:
" I am filing a complaint against XXXX XXXX XXXX for attempting to collect unverified, predatory fees originating from a private parking vendor, XXXX XXXX. Metropolis claims they sent me three original parking notices for a base parking rate of {$20.00} each. However, I never received a single piece of mail or notification from XXXX. Because of this complete mail delivery failure, XXXX immediately inflated the bill with {$130.00} in late penalties and dumped the account into collections with XXXX XXXX XXXX. The XXXX notices in dispute were from XX/XX/XXXX. Notice XXXX dated XX/XX/XXXX, Notice XXXX dated XX/XX/XXXX, Notice XXXX dated XX/XX/XXXX. Private parking notices are civil payment demands, not government citations, and these penalties were generated without my knowledge or due process. Valor is now attempting to collect a total of {$190.00}. I am completely willing to pay the legitimate total {$20.00} base parking rate for each of the XXXX notices ( {$60.00} total ) to resolve this matter. However, I fiercely dispute the {$130.00} in stacked late fees stemming from the original creditor 's failure to provide proper notification. I mailed a formal Debt Validation and Pay-for-Delete letter to Valor via Certified Mail. I am requesting that the CFPB intervene to force Valor to waive the unverified {$130.00} in late fees, accept the {$60.00} total base rate payment, and ensure this unvalidated account is never reported to my credit bureaus ( Equifax, Experian, and TransUnion ). ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Filed a dispute with Wells Fargo for a photoshoot. At my initial shoot, a tip was accidentally submitted. The merchant acknowledged this in writing via email and promised to credit it back. She then stopped responding to me entirely and never issued the refund. Because the merchant stopped communicating with me, I did not attend the prepaid follow-up photo shoot. I paid for a shoot that never took place due to her lack of response. I should not be charged for a service that was never rendered as a direct result of her ignoring The merchant submitted a tracking number as proof of delivery. However, that tracking number shows the item was delivered to the merchants own address, not mine. This is not valid proof that I received anything. I have never received any item from this merchant. When I called to dispute this charge for the third time, the bank representative told me nothing can be done and hung up on me before I could finish explaining my case. I was never given the opportunity to submit a rebuttal to the merchants evidence. The bank has failed to properly investigate this dispute under Regulation E. I am requesting a full investigation and a complete refund of {$710.00}

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 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Skopos Financial, LLC
State: CA

Complaint narrative:
My auto loan balance has not decreased in over two years despite regular payments. The lender refuses to conduct a proper review of my payoff amount or my request for a payoff discount. Details : During multiple calls, I was told : My payoff discount review request would not be recorded. I would not receive any written confirmation. No case number or representative ID could be provided. No records of the conversation could be kept or shared. Nothing could be done unless I paid the pastdue amount, even though I am willing to pay. Calls were not transferred to the correct department. I received inconsistent and inaccurate information every time. My balance has not decreased, and no explanation has been provided. I requested written communication due to these issues, but the lender refused to provide anything in writing.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing a complaint against Bank of America for reporting inaccurate and damaging information to XXXX regarding my bank account. Bank of America closed my account and reported the closure as fraud or suspected fraudulent activity to XXXX I dispute this characterization because I did not commit fraud, participate in fraud knowingly, or intentionally violate any banking policies. As a result of this reporting : I have been denied the ability to open new bank accounts My consumer banking history has been negatively impacted I have experienced financial hardship and reputational harm I request that : Bank of America conduct a full reinvestigation of the reporting Any inaccurate fraud designation be removed from XXXX My consumer report be corrected immediately I receive written confirmation of the correction I also request copies of any documents or evidence Bank of America relied upon when labeling my account as fraud-related.

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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: TN

Complaint narrative:
b'Getting calls daily, sometimes multiple times a day. Called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Subject : Formal Complaint : IDR Forgiveness Eligibility Not Processed Despite Meeting Requirements To Whom It May Concern, I am submitting a formal complaint regarding the failure to process my eligibility for Income-Driven Repayment ( IDR ) loan forgiveness. According to my Department of Education loan records, I have accumulated XXXX qualifying payments under the Income-Contingent Repayment ( ICR ) plan, exceeding the XXXX payments required for forgiveness. Despite this, my loans have not been discharged, and my servicer, Aidvantage, has been unable to provide my qualifying payment count or confirm my forgiveness status. I am requesting the following actions : Immediate review of my account under the IDR account adjustment Confirmation of my eligibility for IDR forgiveness Prompt processing of loan discharge if eligibility is confirmed Written explanation of any remaining requirements, if applicable This delay is causing unnecessary uncertainty and administrative burden, despite clear evidence that I have met the statutory requirements for forgiveness. Please treat this matter as time-sensitive and provide a written response outlining the status and next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nation One Mortgage Corporation
State: SC

Complaint narrative:
I am a real estate XXXX and received an order from Nation One Mortgage Company to complete a final inspection on a property. The fee was agreed to be {$120.00} and payable in 30 days from the date I submitted the report to them. The report was sent to them XX/XX/year>. On XX/XX/year>, I started calling and sent an email to the loan XXXX that ordered the appraisal. There was no answer at the phone number on the order and the email came back " This inbox is no longer being monitored. ". I know now, but did not know at the time, that office has been closed. I called the corporate office on XX/XX/year> and spoke to XXXX who stated she would pass the information onto someone that can help me. XXXX XXXX from XXXX XXXX called me on XX/XX/year> and stated my fee had been sent to the closing attorney and I needed to collect the fee from the attorney. I explained to him that it was very unlikely a XXXX XXXX attorney would have unaccounted for money in their escrow account almost 60 days after the closing. He stated he was a very busy person and it was not his place, nor did he have time, to make sure I got paid and emailed me the information for the attorney. I did call the attorneys office XX/XX/year> and the receptionist confirmed the loan did close on XX/XX/year> but she was unable to assist me in any other way. I emailed XXXX XXXX XX/XX/year> and informed him I felt it was Nation XXXX 's place to make sure I was paid. He called me screaming, literally screaming, that I had only contacted him XXXX time and he did not like the tone of my threatening email. Yes, I did hang up on him. No one talks to me like that, he is supposed to be a professional. He called right back and started screaming again, I hung up on him again. He then sent me an email which restated his displeasure with my email and it ended with him stating he would call the attorney that afternoon. I have heard nothing from XXXX XXXX or XXXX XXXX since XX/XX/year>, I have heard nothing from the attorney ( which has all of my contact information ) and still have not been paid as of XX/XX/year>. I have exhausted every means available to me to collect this appraisal fee from Nation One. Would you please assist me. Thanks so much. XXXX XXXX XXXX XXXX Valuations, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened an account with Synchrony bank and sent XXXX XXXX as deposit to the account. I then tried to wire money to another account ( {$3500.00} ) after being told by a banker it was ok to do so. My account went under review following my attempt to wire money. They made the decision to close the account. I waited a while to hear something back about the money that was being held in the account. Never heard anything back so I started calling Synchrony bank. I was told to have the sender request the funds back. After trying to contact the sender I was told that they can not request casino winnings back after they have been paid out. I called my bank and told them what I was told and they said it was policy. I have called multiple times and at this point Synchrony bank is just holding the money and refusing to send it to 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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called CapitalOne credit on XX/XX/year> and explained to the representative that I wanted to close the account. At that point there was a balance on the account. I specifically asked the representative to let me know the total needed to be paid off with any interest owed in order to close the account ; the representative gave me the total and then I proceeded to make the payment with said representative right over the phone. representative accepted the payment, read their disclosure for account closure and closed the account. It is now XX/XX/XXXX and I noticed I received an email from capital one stating I missed a payment that was due on XX/XX/XXXX. There was interested posted on my closed account of XXXX to which they added a late fee of 5 additional due to missed payment that I wasn't aware off as I had requested a full payoff and closure of this account. I never received a statement. I spend over an hour and a half on the phone at multiple levels of supervisors within Capital One and they all said they could not resolve this. I was forced to pay off the balance on the account of XXXX, when this was their mistake. They forced me to pay this in order to avoid my credit being damaged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I am submitting a complaint regarding Toyota Financial Services handling of a disputed lease account involving a vehicle that has not been delivered. I promptly disputed the transaction before delivery and requested cancellation from both the dealership and Toyota Financial Services on XX/XX/year>. Toyota Financial Services was aware that the vehicle status but repeatedly directed me back to the dealership. I was told by the XXXX XXXX XXXX that the Financial Department would handle the hold/account request. However, the Financial Department later told me they could not assist me. During one communication, I was told the matter would be escalated, but I did not receive any follow-up or written response. My requests for a written response or email summary during the process were also denied. During one communication, I was told that billing activity would be stopped because the vehicle had not been delivered. During later communications, I was told the account remained active and billing had not been stopped. I was unable to obtain a clear written response regarding the account status during the dispute process. I respectfully request a review of Toyota Financial Services handling of this disputed and undelivered lease transaction. For reference, the Toyota Financial Services XXXX XXXX XXXX case number is XXXX, and the Financial Department case number is XXXX. Toyota Financial Services Toyota Motor Credit Corporation XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Stark Collection Agency, Inc.
State: MO

Complaint narrative:
My car was repossessed in XX/XX/XXXX. My contract was with XXXX XXXX XXXX. I never received any letters notifying me of the pending repo but I had been aware of my default status and had been making payments to catch back up. Nonetheless, the car was taken. After the repo I called the credit union to confirm the repossession and was told that they didnt order it yet. I hung up distraught because I was confused and now thinking that the car was stolen. I call back the next day or so and speak with a different rep who told me that it was repossessed but she couldnt see which company they used to pick the vehicle up. This is again confusing and not professional at all, so I end the call feeling empty and defeated again. No mail correspondence came so after a month I called back and inquired about the vehicle, was finally told who picked it up, I asked could I get my belongings and was told too much time had passed and that the car was probably gone by then. No one ever sent correspondence regarding the sale but I see the full balance that I owed on the car on my credit report under a collection agency called the Stark Agency. Nothing about this process seems right. This collection account was added to my credit report XX/XX/year> in the amount of {$9100.00}. This is a textbook case of a wrongful repossession and a severe violation of my consumer rights. Under Missouri law, lenders and collection agencies can not just do whatever they want ; they must follow strict procedural steps.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I deposited a Truist-issued check for {$11000.00} from a law firm 's XXXX XXXX Account XXXX XXXX local Truist branch in XXXX, FL. Despite this being a Truist-issued check deposited into a Truist account, the bank placed an administrative hold on the entire amount citing " confidential information that indicates the check may be returned '' with no further explanation. In XX/XX/year> I deposited a {$10000.00} check from the same law firm at the same bank with zero issues and funds were released same day. My account has been open since XX/XX/year> with no negative history. I attempted to call the branch directly and received no answer. I called customer care and the representative was unable to locate the deposit in their system despite me having a physical receipt in hand. Truist then sent me an email stating the deposit had " posted '' which was misleading as the funds remained completely unavailable and still showed as an administrative hold. I later learned the hold was triggered by suspicious activity on the law firm 's Truist account a situation completely unrelated to me or my deposit. I am an innocent customer caught in Truist 's internal fraud flag with no clear communication, no assistance from customer care, and no access to my funds despite having a valid receipt and email confirmation from Truist themselves. Funds are scheduled to be released XX/XX/year> but I am filing this complaint due to Truist 's poor communication, misleading notifications, and failure to provide adequate customer service.

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