vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: IL

Complaint narrative:
I am a federal student loan borrower enrolled in the XXXX income-driven repayment plan, and I am submitting this complaint regarding the loss of qualifying payment credit due to involuntary administrative forbearance. 

According to my loan servicer, I have already made XXXX qualifying payments toward the required XXXX for forgiveness, leaving only XXXX payments remaining. 

This means I was nearing completion of my repayment term and approaching loan forgiveness after many years of consistent payments. 

However, due to ongoing legal challenges to the XXXX plan, my loans were placed into mandatory administrative forbearance. I did not request this forbearance and was not given the option to continue making qualifying payments under an income-driven repayment plan. 

My servicer has explicitly stated that : -I am required to remain in forbearance -Interest has resumed accruing -Time spent in forbearance does not count toward qualifying payments As a result, I lost critical progress toward forgiveness despite having made over XXXX qualifying payments. I was willing and able to continue making payments but was prevented from doing so due to government action. 

This situation is particularly harmful because I was so close to reaching forgiveness. Being forced into a non-qualifying status at this stage effectively delays or jeopardizes the completion of my repayment after more than a decade of compliance. 

Additionally, I have made multiple inquiries regarding my qualifying payment count and remaining balance, and accurate, timely information has been difficult to obtain, further compounding the issue. 

This situation creates a fundamental unfairness : -Borrowers are required to enter forbearance involuntarily -Borrowers are not allowed to make qualifying payments -Borrowers then lose credit toward forgiveness Borrowers should not be penalized for circumstances outside of their control, particularly when they are actively attempting to comply with repayment requirements. 

I am requesting that the Department of Education : Count months spent in XXXX-related administrative forbearance as qualifying payments toward forgiveness or provide a mechanism to receive retroactive credit for these months. 

This issue affects millions of borrowers and is especially harmful to those nearing forgiveness after many years of repayment. The current policy undermines the integrity of the repayment system and places an unfair burden on borrowers who have complied with all requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: AZ

Complaint narrative:
Netspend kept {$700.00} Refund from XXXX And never deposited in my account They ripped me off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
On XX/XX/year>, I was checking my credit report and noticed on XX/XX/year>, the company by the name of Sequium Asset Solutions hit my credit report with a late payment. I have no acknowledgement of this company. As of today, the company has not sent me any information regarding the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a collection account being reported by Contract Callers Inc. without legally sufficient proof that it owns, was assigned, or otherwise has authority to collect or report this alleged debt. 

Account Information Collection Agency : Contract Callers Inc. 

Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Date Placed for Collection : XXXX XXXX XXXX  Amount Allegedly Owed : {$1100.00} Portfolio Type : Collection Current Status : Placed for Collection Last Verified Date : XX/XX/year> Failure to Produce Required Assignment Contracts Contract Callers Inc. is reporting this account as a collection obligation but has failed to provide competent, admissible proof of legal assignment or ownership of this debt. 

Under federal law, a third-party debt collector must be able to demonstrate a lawful chain of assignment from the original creditor to itself. This requires : A bill of sale, assignment agreement, or purchase contract Documentation that specifically identifies this consumers account Proof that Contract Callers Inc. has the legal authority to collect and furnish data to consumer reporting agencies A billing statement from the original creditor is NOT legally sufficient. 
Billing statements do not establish ownership, assignment, or authority, and anyone can create or reproduce such documents. Federal verification standards require assignment contracts, not generic account statements. 

Absent valid assignment documentation, Contract Callers Inc. has no permissible purpose to report this account.

Fair Credit Reporting Act ( FCRA ) Violations By continuing to report this collection without proof of legal assignment, Contract Callers Inc. is violating the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information that is inaccurate, incomplete, or materially misleading. 

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation and verify legal authority after dispute.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

Reporting a collection account without proof of ownership is materially misleading and unlawful. 

Demand for Relief I hereby demand that Contract Callers Inc. : Immediately delete this tradeline from all consumer reporting agencies, including XXXX XXXX XXXX XXXX 

This complaint is being submitted to the Consumer Financial Protection Bureau ( CFPB ) for regulatory review and enforcement. 

Please provide a written response within the CFPBs required response timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I am submitting this complaint against Westlake Financial Services for failure to act on my voluntary repossession request within the timeframe they provided, which has caused ongoing financial harm. 

On XX/XX/scrub> 2025 I contacted Westlake Financial and formally requested to proceed with a voluntary repossession of my vehicle. I received written confirmation stating that an agent would be assigned within XXXX business days to provide surrender instructions and next steps. As of today, more than a month has passed and no agent has been assigned, no instructions have been given, and no action has been taken by the company. 

Because of this delay, the vehicle has remained parked and unused while interest, fees, and the loan balance continue to increase. I have acted in good faith to resolve this matter and have been ready to surrender the vehicle since my original request date. Westlake Financials failure to follow through on their own stated timeline has prevented me from completing the repossession process and has caused avoidable financial loss.

I am requesting immediate intervention and resolution. Specifically, I am asking that Westlake Financial assign an agent without further delay, provide clear written instructions for surrendering the vehicle, and confirm the repossession timeline. I am also requesting that all interest, late fees, and related charges be paused and reversed dating back to XXXX XXXX, as the delay is due to the companys inaction and not any failure on my part. 

I have made multiple attempts to resolve this directly ( please see attached screenshots ) and have waited well beyond the timeframe they promised. I am seeking accountability, correction of the growing balance caused by this delay, and written confirmation that this matter will be handled promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am submitting this complaint regarding inaccurate and potentially duplicative fees added to my mortgage account during foreclosure and in the reinstatement quote. I have made consistent monthly escrow payments as part of my regular mortgage obligation for property taxes and homeowners insurance ; however, the reinstatement amount provided by the loan servicer appears to include additional escrow-related charges that may already be covered through my monthly payments. 

I also made a payment of approximately {$1200.00} in XX/XX/year> that I believe was misapplied it was money remaining of {$650.00} in escrow where they applied it to principal but saying I still owe for that month plus which that or not properly credited to my account. I have requested an itemized payment history and escrow analysis but have not received a clear or complete explanation. 

The reinstatement quote currently includes fees and corporate advances that I do not recognize and that have not been adequately documented. I am requesting a full itemized accounting of all charges, a complete escrow analysis, and correction or removal of any duplicated, unsupported, or misapplied fees. 

I am willing and prepared to reinstate my loan ; however, I am seeking an accurate reinstatement balance that reflects only legitimate past-due principal, interest, and properly documented charges. I am requesting prompt review and written confirmation of corrections to my 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 monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA # XXXX I never gave this creditor my written consent to run my credit therefore it is fraudulent and this is violating permissible purpose and needs to be removed

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 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CADENCE BANK

Complaint narrative:
Date : XX/XX/year> Amount : {$2200.00} Action : Money was taken out of XXXX XXXX 's account without, proper authorization, by XXXX XXXX Bank personnel, without authorization, because all three persons who were on the signature card account were deceased. 
XXXX XXXX XXXX called the bank and asked first if there were sufficient funds in the account. The bank said that there were sufficient funds to pay for supposably additional charges to an already prepaid funeral plan. 

I ( XXXX XXXX ) who is the executor of the estate of XXXX XXXX, questioned the transaction and asked the bank to put the monies back into the account. The bank said they would not do it, and they said, " They the bank take money out of dead people 's accounts and send it to funeral homes as a service to their customers. '' At the time of the transaction the bank institution was called XXXX XXXX Bank then it changed to Cadence Bank and now it is called XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding an inaccurately and unlawfully reported collection account being furnished by Source Receivables Management. 

Account Information Collection Agency : Source Receivables Management Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 

Date Placed for Collection : XX/XX/XXXX Amount Allegedly Owed : {$2100.00} Portfolio Type : Collection Current Status : Placed for Collection Last Verified Date : XX/XX/XXXX Failure to Provide Proof of Legal Assignment Source Receivables Management is reporting this account as a collection obligation without providing any admissible proof that it has the legal right to collect or report this debt. 

Under federal law, a third-party debt collector must be able to demonstrate a valid chain of assignment from the original creditor to itself. This includes : A bill of sale, assignment agreement, or purchase contract Documentation identifying this specific account as included in the transfer Proof that the collector has authority to collect and furnish data to consumer reporting agencies Merely sending a billing statement or screenshot from the original creditor is not legally sufficient. 
Anyone can generate or reproduce a bill such documents do not establish ownership or assignment. 

Fair Credit Reporting Act ( FCRA ) Violations Source Receivables Managements reporting violates multiple provisions of the Fair Credit Reporting Act, including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information that is inaccurate, incomplete, or misleading.

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation and verify ownership and authority upon dispute.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 

Without proof of a lawful assignment, Source Receivables Management has no permissible purpose to report this account. 

Demand for Relief I formally demand that Source Receivables Management : Immediately delete this tradeline from all consumer reporting agencies, including XXXX XXXX XXXX XXXX 


This complaint is being submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and enforcement. 

Please provide a written response within the CFPBs required response timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palmar, Inc.
State: MA

Complaint narrative:
These collections we're paid in settlement they were closed than reopened and reported again why

Company response to consumer: Untimely response
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I discovered that for the past 3 months, XXXX XXXX have been placing additional charges on my credit card ranging from XXXX, XXXX and XXXX. I do not know what these charges pertain to, but it coming from Account XXXX. I do not know who are what Account XXXX is and why I am being charged. 

Today, XX/XX/year> I called customer service who was extremely rude. She refused to provide assistance, and she did not provide a clear explanation of why I am being charged. When I communicated I never authorized the charges, she communicated that she would have to transfer my call. 

After the transfer of my call I was placed on hold and nobody provided assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
In XXXX, my fianc had their XXXX  XXXX  money. Direct deposited into my PayPal account within a week of my unemployment being direct deposited to my PayPal account. Upon receiving the {$39.00} from my fianc 's XXXX  XXXX  account PayPal froze my account. They requested documentation to prove that the money was supposed to have been sent to my account. They required my identification. My fianc 's identification, the the direct deposit form from XXXX XXXX and proof that my fianc intended for the direct deposit to go into my PayPal account. I provided photographic documentation of both my ID and my fianc 's. XXXX provided the direct deposit form provided to us from XXXX  and also a picture of my fianc, holding a letter that he wrote stating that he approved his direct deposit to go into my PayPal account. At that point I contacted PayPal, and they told me that the documents were accepted. However, my account was too high of a risk, and so they were permanently limiting my account, and I would no longer be able to use it. They advised me that my funds in the amount of {$320.00} would become available in a 120 days. XXXX XXXX dollars of that amount was from my fiance 's only fans. The rest, the XXXX was from my unemployment. I've recently contacted PayPal to find out what I needed to do to withdraw the funds because they have removed my bank account from my PayPal so I can't transfer the funds out the first time I spoke to them, the representative told me that I was unable to withdraw my funds period that PayPal would not release the funds to me and that I would never get the money back. The\n Second time that I tried to contact them, which was today just a few minutes ago I was told that the documentation that I sent in was not valid documentation because the direct deposit form from XXXX stated, it was from XXXX XXXX XXXX and it needed to say XXXX XXXX XXXX And it did not have my name on it. I explained to PayPal that XXXX XXXX  XXXX  is an abbreviation for international. And that the direct deposit form would not have my name on it. Because it was not my direct deposit. It was my fiance, and that was why I provided the documentation that they requested with a photograph of my fianc holding a letter authorizing the direct deposit into my PayPal account. Paypa L is refusing to return my money unless I can provide them. This documentation, which I can not provide because I can not ask for a form with my name on it. For direct deposit from a company that I wouldn't receive a direct deposit from the direct deposit was from my fianc not me, so my name is nowhere on the direct deposit form and I can not get it put on that form because I'm not actually associated with my fiance 's account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Coin base Base wallet I need my XXXX coin out and ro t let me cash out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I submitted a balance transfer XX/XX/XXXX and it continues to be declined or trigger a fraud alert and I call every Monday since XX/XX/XXXX to clear this up and confirm and validate the card that it's going from to Citi so I don't know what's happening. I've escalated it XXXX times. Today I talked alone to XXXX people. XXXX were supervisors. Had to explain the same story to them within the XXXXXXXX XXXX of talking to them and they keep reassuring me that it's approved. It's going to be transferred XXXX to XXXX business days. This happened last week the following week the week before except the following week. They said it was going to be XXXXXXXX XXXX so I don't know what's happening. I don't know why a balance transfer is so complicated. I've never had any other card have this problem in my history of having credit which is over XXXX something years. So this has to be resolved because it's really poor customer service and the worst part about it is no one knows the previous notes, the gentleman today said he can only see the notes from today and that he saw that I called last week but there's no notes. I don't know what's happening but you need to correct this because this is really bad 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
Consumer complaint received 2026-02-15 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
In XXXX, XXXX and to date in XXXX, American Express has failed to provide the cash back reward that my card was advertised as offering. Specifically, I should be receiving 6 % cash back for Groceries and 3 % cash back for Fuel/Gas. Upon review of my rewards from XXXX, I noticed that the XXXX Fuel purchases were not receiving any cash back rewards ( not the 3 % or the 6 % ). I was told that since XXXX was coded as a grocery vendor, the fuel did not qualify or the 3 %. However, the purchases should have at least qualified for the 6 %, if not the 3 %. 

American Express never disclosed that the fuel at XXXX would not qualify for the 3 % reward or that the reward is based on the " category '' that the vendor chooses to use. I would like all my XXXX Fuel purchase rewards applied retroactively and going forward.

Company response to consumer: Closed with explanation