vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
I am submitting a formal complaint regarding my Apple Card account issued by Goldman Sachs Bank USA. 

I have contacted Apple Card/Goldman Sachs multiple times requesting payment assistance or hardship options. Each request has been denied with the explanation that I previously used payment assistance. However, my records show that when payment assistance was offered in the past, I made the required payment on time and complied fully with the terms. 

Due to current financial hardship, I am unable to make the minimum payment at this time. I have communicated this clearly and requested temporary relief or an alternative payment arrangement. Despite repeated good-faith efforts, Goldman Sachs has refused to offer any assistance. 

I am currently enrolled in a debt consolidation program and have successfully worked with all of my other creditors. Goldman Sachs is the only creditor refusing to work with me in any capacity. 

After informing Apple Card representatives that I needed to file a formal complaint, I stopped receiving responses altogether. 

I am requesting that my account history be reviewed for accuracy and that Goldman Sachs provide a written response addressing my requests for assistance and the lack of response to my formal complaint request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Dear XXXX XXXX  CFPB Response Team, Thank you for your response dated XX/XX/2026, regarding my CFPB complaint. 

I would like to formally clarify and request reconsideration of my position. I am not requesting payment deferrals or forgiveness. I am requesting approval of a lease transfer or assumption, which would allow another qualified party to take over the lease obligations and fully mitigate XXXX XXXX  risk while preventing unnecessary default. 

Your response does not address why a lease transferdespite my documented hardship and willingness to cooperatewas denied, nor does it cite any specific lease provision that expressly prohibits such a transfer under hardship circumstances. A lease transfer would avoid delinquency, credit harm, and early termination costs for both parties. 

I am requesting : 1. Written clarification of XXXX XXXX policy regarding lease transfers under hardship 2. Confirmation of whether this request was reviewed by a supervisor or hardship resolution team 3. Reconsideration of my request for a lease transfer approval or alternative resolution short of early termination or surrender I remain willing to work in good faith toward a solution that protects both my credit standing and XXXX XXXX XXXX interest. 

Thank you for your time and consideration. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX  Account No. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: IL

Complaint narrative:
Was never told that the time under administrative forbearance did not qualify for PSLF after 9 months until a year after. Ended up on SAVE administrative forbearance for SAVE even though I did not apply for SAVE. I was on XXXX and just renewing my XXXX when a Mohela servicer asked if I wanted to know how much I would pay if on SAVE. I was then told to consolidate during the forbearance, so that all of my payments would qualify during the forbearance. Once I put in the consolidation application, I was unable to access studentaid website for many months due to the new administration 's modifications to the website. I called Mohela, my servicer, and they just told me to keep waiting. They at that point did not mention that the time I would spend waiting would not count towards qualifying payments. Prior to this fiasco, I was supposed to be eligible XX/XX/XXXX, but now because of this I am not eligible until XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Beginning in late XXXX  and through XXXX, I was in an active loss mitigation review, and my mortgage was transferred from the prior servicer to Selene XXXX. During this period, I experienced ongoing servicing problems, including lack of communication, inconsistent information, and unexplained charges. 

On XX/XX/XXXX, I mailed Selene a formal Request for Information and Notice of Error under RESPA ( Regulation X ). USPS records confirm delivery on XX/XX/XXXX. Selene did not send the required written acknowledgment within 5 business days, nor did they provide a complete response within the 30-day RESPA timeframe. Instead, I received a packet of unrelated loss mitigation documents, rather than the servicing records and explanations I specifically requested. They did not provide transfer documentation, payment histories prior to servicing transfer, escrow invoices, corporate advance records, or a breakdown of the balloon amount they claimed was owed. 

During the period in which my dispute was pending, the loan was referred to foreclosure, and I also received collection communications from a third-party agency. Both occurred after Selene had already received my formal RESPA dispute. I understand this may violate Regulation X restrictions on dual tracking and collection activity during active error resolution.

Additionally, fees such as foreclosure attorney fees, property inspection fees, title charges, and corporate advances were added without supporting documentation, even though the loan was under review. I repeatedly received conflicting or incomplete information and was not provided consistent access to a Single Point of Contact. These issues created confusion, stress, and prevented me from resolving the servicing problems with the company.

Overall, I believe Selene XXXX  failed to properly respond to my written dispute, failed to provide required servicing documents, continued collection and foreclosure activity during a protected period, and charged fees that may not be permitted under federal servicing rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PACE Funding Group, LLC
State: FL

Complaint narrative:
so i have a loan for the windows in my house. The company is really shady and they are NOT allowing me to log in and stop the auto debit on account. I entered my account number from my statement they send me and the registration portion says ... " ACCOUNT NUMBER NOT FOUND '' You CAN NOT get hold of the customer support. It is unreachable. An hour on hold and no one answers. That is NOT reasonable.

Site refuses to let me register.

-Cant email them -Ca n't call them -They have my debit card stuck on auto debit and I am trying to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc.
State: TX

Complaint narrative:
Company TEK- COLLECT INC has taken on the payments for Smile direct club. The company went though a bankruptcy and left me in the middle of treatment without any of the services rendered in the contact agreement. A class action lawsuit was placed on XXXX XXXX XXXX. They have consistently harrased me for collection and taked action against my credit score. Bottom line the company did not follow though with the chages and I want it removed from my credit and the charges voided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: WA

Complaint narrative:
I am submitting this complaint regarding the handling of my private student loan by sallie Mae during a documented period of financial hardship. 

I have been unemployed since XXXX and Im actively seeking employment and unemployment benefits. My husband who is the cosigner on the loan, is currently receiving Social Security benefits as his primary income, which has significantly reduced our household income. 

I have contacted sallie Mae multiple times to request temporary hardship, assistance, forbearance, or a payment delay while I search for work. Each time, I was told that there was nothing they could do to assist. 

Despite this, Sallie Mae continues to place frequent and repeated telephone calls, often multiple times per day, to myself, my husband, and family members. They leave voicemail messages stating that I should call because they can help, which has not been true in practice. 

This conduct has been misleading and has caused unnecessary stress during an already difficult financial situation. I have made good faith efforts to communicate and seek responsible, temporary relief. 

I have formally requested that sallie XXXX, telephone communication and limit all contact to written correspondence only, as permitted under federal, consumer protection, law, and Washington state, consumer protection law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Unauthorized debit or transaction ( Regulation E violation ) I am filing this new complaint because my previous complaint was closed without resolution due to the bank 's failure to perform a technical audit. This is not a simple " missing deposit '' inquiry ; this is an unauthorized electronic fund transfer ( EFT ) in violation of Regulation E. 
Specific Facts : 1. Revocation of Authorization : On XX/XX/year>, I logged into Wells Fargo Online Banking and formally cancelled a recurring ACH transfer series from my XXXX account. 
2. Account Closure : On XX/XX/year>, after I cancelled the series, I officially closed my Wells Fargo account ( ending in XXXX ). The representative confirmed no transactions were pending. 
3. Unauthorized Pull : On XX/XX/year>, one day AFTER the account was closed and the authorization was revoked, Wells Fargos system bypassed my cancellation and pulled {$1300.00} from my XXXX account. 
4. Failure to Return ( XXXX Violation ) : Per XXXX rules, Wells Fargo was required to return this to the sender as Return Code XXXX ( Account Closed ). They did not. 
5. Evidence of Delivery : XXXX XXXX  has provided Trace ID XXXX, confirming the funds reached Wells Fargo. 
Conclusion : Wells Fargos previous response claiming they " no ACH transaction was received '' is insufficient. As the institution that initiated an unauthorized pull from an external account after a revocation of authority, Wells Fargo is legally liable for the return of these funds. I am requesting that Wells Fargo 's Operations/ACH Compliance Department ( not standard customer service ) locate these funds in their Unapplied Funds/Suspense Account using the provided Trace ID and return them to the originator immediately.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
There have been XXXX debts put on my credit report for XXXX  and XXXX  and XXXX  in regards to XXXX XXXX  XXXX credit cards XXXX separate XXXX  XXXX credit card accounts as well as LVNV funding LLC another debt collector for the same XXXX  XXXX account. No one has contacted me or told me anything about these accounts. I had them removed and they come back without my knowledge no notification nothing I am requesting that these accounts are moved from my credit report as I had had identity theft, and I have a police report to prove it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Airtm Inc.

Complaint narrative:
For several weeks, I have been unable to access my Airtm account due to a persistent technical issue involving an infinite XXXX verification loop. Each time I attempt to log in, a verification code is requested and accepted, but I am then returned to the same verification step without gaining access to my account. 

As a result, my funds held in the Airtm wallet are completely inaccessible. The balance belongs to me and was earned through freelance work. 

Since the issue began, I have contacted Airtm support numerous times, opened support tickets, and sent multiple follow-up and escalation emails. In each of these communications, I clearly described the technical issue and repeatedly emphasized the urgency of my situation, explaining that I urgently needed access to my funds to cover basic living expenses. 

I explicitly warned Airtm on several occasions that the continued inaccessibility of my funds was causing serious financial hardship, and that I would be forced to file a formal regulatory complaint if no solution was provided. 

Despite these repeated alerts and warnings, no effective action was taken, no alternative solution was proposed, and no manual withdrawal option was offered. I received only generic acknowledgments or no response at all. 

As of today, my account remains inaccessible, my funds remain blocked, and the issue has not been resolved, despite my repeated attempts to resolve the matter in good faith and despite clearly informing the company of the urgency and consequences. I am requesting immediate restoration of account access or a manual withdrawal of my full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit 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: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I financed a spa treatment package through XXXX for services to be provided by XXXX XXXX in XXXX, Florida. I paid {$960.00} toward the account and had a remaining balance of {$1500.00}, for a total of {$2500.00}. 

In 2025, the spa location closed permanently before my treatments were completed. The business is no longer operating at the address and the suite is now listed for lease. 

After the closure, XXXX continued billing me monthly. I made a payment in XXXX because I was told my dispute would not be processed unless I continued to pay. After that, XXXX issued only a partial and unfair refund and informed me that no further discussion or review would be considered on their part. 

I did not make the XXXX payment because the services were no longer available. 

XXXX later issued a refund, but my account balance and obligations were not clearly resolved. I did not receive full documentation or written confirmation that the debt was properly canceled. 

I requested written confirmation of the contract terms, my account status, and final resolution, but this information has not been fully provided. 

I am requesting full clarification of my account, written confirmation that I do not owe any remaining balance for services not rendered, and assurance that my credit will not be negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding a subprime auto loan serviced by Consumer Portfolio Services ( CPS ). 

I financed a vehicle for approximately {$20000.00} at an APR of 22.4 % over 72 months following a XXXX  XXXX bankruptcy. After more than a year of consistent payments, my principal balance has only been reduced by approximately {$700.00}, despite paying over {$6000.00} during that time. They also do not offer refinancing of contract upon request. 

The structure of this loan, combined with CPS 's application of payments to interest and fees first, has made it extremely difficult for my payments to meaningfully reduce the principal balance. Late fees and interest accrual have further compounded the issue. 

I am requesting a full review of my loan servicing, including : - A complete payment history - An amortization schedule showing how payments are applied -An itemized list of all fees -Confirmation that payments were applied in accordance with the contract I believe this loan structure and servicing disproportionately harm consumers recovering from bankruptcy and raises concerns about unfair or predatory lending practices. I am requesting that CPS provide full transparency and correct any errors in payment application or fee assessment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I am disputing this collection account on my credit report from midland credit management inc. I have requested debt validation from the collector, but they have not provided proof that these debt are valid. I do not believe these debts are accurate or valid. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any alleged debt. I am requesting that the CFPB investigate and ensure these accounts are verified and removed. I have not supplied proof of this debt. As your company has remained in silence, XXXX XXXX XXXX requires me to assume that no proof of the alleged debt exists. This debt, in fact, does not therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Since opening this credit card account, the company has charged recurring cash advance / cash advance purchase interest each month. 
I reviewed and downloaded the entire Cardmember Agreement from the CFPB records. The agreement does not clearly disclose that these transactions would be treated as recurring cash advances or subject to monthly cash-advance interest. 
I contacted the company for clarification. The representative called me at XXXX a.m., did not provide a last name or identification number, and could not cite any CFPB-filed contract language supporting these charges. 
Previously, similar charges were reversed, but the company continues applying them without proper disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am filing this complaint against Caine & Weiner for unlawful debt collection practices, failure to provide required written notice, and continued reporting of an unvalidated collection account. 

This collection account appeared on my credit report without me ever receiving the required written notice of the debt. I did not receive a validation notice, dunning letter, or any written communication from Caine & Weiner before this account was placed on my credit report. That alone is a violation of federal law. 
Under FDCPA 809 ( a ), a debt collector is required to send written notice of the debt within XXXX days of initial communication, including the amount of the debt, the name of the creditor, and my right to dispute. Reporting a collection account to a credit bureau is considered an initial communication. No such notice was ever sent to me. 
Because I never received the required notice, I am entitled to statutory damages of up to {$1000.00} under FDCPA 813 ( a ) ( 2 ) ( A ). I have done my research on Caine & Weiners practices and am aware that failure to send proper notice prior to credit reporting is a recurring issue for this company. 
After discovering the collection, I disputed it and formally requested validation. To date, no validation has been provided. 

What is required for validation : A copy of the original contract or agreement with the original creditor ( Progressive ) A complete itemized statement showing how the balance was calculated Proof of Caine & Weiners authority to collect, including assignment or chain of ownership Proof that the debt belongs to me Proof that the required FDCPA notice was sent to me before credit reporting Continuing to report this account without validation violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ). Reporting an unvalidated collection after notice constitutes ongoing noncompliance and consumer harm. 
I am attaching this dispute to my CFPB complaint intentionally. If Caine & Weiner claims it has validation or proof that notice was sent, it should already have all documentation readily available and be able to produce it here. I am fully prepared for the fact that it can not.

Company response to consumer: Closed with explanation