vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: SC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, XXXX ( formerly known as XXXX XXXX ) dispersed {$24000.00} ( not including {$840.00} in dispersement fees ) to fund my XXXX XXXX. Since that exchange, XXXX XXXX have made it difficult for me to affordably pay back this debt. To date, my co-signer and I have paid {$56000.00} - {$48000.00} in interest and {$6700.00} in principle. The interest rate for one loan is 11.750 % ; the second is 9.750 %. Between XX/XX/XXXX and XX/XX/XXXX, both loans were place in forbearance by phone with no explanation of interest accrual and how my account could be adversely impacted nor were other payment options were offered. While the loans came close to default ( at XXXX time, I was XXXX missed payment from this occurrence ), I managed to make a sufficient payment to avoid this fate. Little did I know, by making a substantial payment to avoid default, I was not helping my cause. This action seemed to preclude me from receiving loan forgiveness assistance. In XXXX, XXXX XXXX XXXX XXXX occurred and private loan debt cancellation was granted. I made several attempts to connect with XXXX ombudsman ; all of which were met with we need more time to review your account. I fit the criteria : Graduated from high school in XXXX, attended college from XX/XX/XXXX- XX/XX/XXXX and repayment efforts began in XXXX. I need the assistance of CFPB and would ask that this agency review my account as I believe these loans should have been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I am filing a formal complaint against my mortgage services for explicit violations of the Equal Credit Opportunity Act ( ECOA ) regulation X ( XXXX XXXX XXXX ) regarding a loan modification evaluation and subsequent appeal. My primary source of legal income consists of {$990.00} per month in Social Security XXXX ( XXXX ). This is non-taxable public assistance protected under federal fair lending laws. I applied for a loan modification and was initially denied. I submitted a timely appeal explicitly citing fair income laws for XXXX recipients and challenging the servicer 's income calculations. On XX/XX/XXXX, the servicer issued a decision on my appeal. I never received the written decision in the mail and only discovered it by calling the servicer. When the customer service agent emailed a copy of the letter to me, it simply stated the " must respectfully uphold the original decision. '' This blanket statement is a severe violation of the RESPA XXXX XXXX XXXX ( d ) and ( h ), which legally requires a servicer to provide specific, granular reasons for an appeal denial ( such as exact debt-to-income ratios, specific investors rules, or XXXX XXXX XXXX inputs ). By providing a generic brush-off, the servicer has failed to conduct the independent, compliant appeal review required by federal law. Furthermore, I have {$160000.00} in equity in my home. Under ECOA regulations, the servicer is required to evaluate my protected public assistance income fairly and " gross it up '' ( multiple by XXXX ) to reflect its non-taxable purchasing power. I strongly suspect the servicer failed to " gross up '' my $ XXXX monthly benefit, artificially lowering my income to justify a denial. Because of my substantial equity, a foreclosure is highly profitable for the investor, and I believe the servicer is engaging in predatory loss mitigation practices to force a foreclosure rather than offering a viable modification. I request that the CFPB compel the services to : XXXX. Provide the specific, itemized underwriting math, including the exact gross income calculations used for my $ XXXX monthly XXXX benefits XXXX. Provide the specific investor guidelines or XXXX XXXX XXXX input summaries used to justify upholding this denial. XXXX. Immediately halt any foreclosure activity or referral to foreclosure while this servicing error and potential XXXX violation are properly investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
On XX/XX/year> I reached out to United wholesale mortgage to correct a duplicate tax charge to our escrow account and uploaded the proper documentation from the XXXX XXXX tax commissioners office to prove the incorrect charge. I was informed by an employee named XXXX in the tax department someone would reach out within 10 business days with a resolution. 22 days later there was no contact and when I reached back out to the tax department on XX/XX/XXXX. I was told the inquiry was closed and unresolved with zero communication. I was then told that the ticket would be reopened and sent to escalations with a 24-48 hour call back time. 48 hours had passed and no one had had contacted me and the issue is still unresolved. XX/XX/XXXX I reached out to them about lot receiving any call back and was told they would expedite the ticket and give me a call back today and a confirmation email with what we discussed and had expected. I have not received a confirmation email or call back and have been trying to resolve a very simple issue for over a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palmar, Inc.
State: FL

Complaint narrative:
This letter was sent I am disputing the accuracy and completeness of an account being reported by XXXX XXXX XXXX XXXX XXXX. I sent a written dispute requesting documentation to verify the account, including the date of first delinquency, the name of the original creditor, a complete payment history, and proof that XXXX XXXX has the legal right to collect and report this debt. XXXX XXXX has failed to respond to my dispute and has not provided any documentation supporting the accuracy of the account information being furnished to the credit reporting agencies. Because the company has not responded and has not substantiated the account, I am requesting that XXXX XXXX XXXX either : 1. Provide complete documentation verifying the accuracy and completeness of the account, including all requested records ; or 2. Delete the account from all credit reporting agencies, including XXXX XXXX XXXX XXXX. Certifies Mail send on XX/XX/XXXX, with no response and again on XX/XX/year>. After sending the letter, I am now receiving contact from XXXX XXXX for collections. It is the same account showing on XXXX, which is not longer owed, than XXXX XXXX and now XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: PA

Complaint narrative:
True Accord a 3rd party collector has sent me a alleged debt that was the outcome of charges to a XXXX accont i did not authorize and part of a series of identity theft. I have sent letter of response, and want a cease and desist of attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: Chime Financial Inc
State: CA

Complaint narrative:
Hi I received sum money from my friend at XXXX XXXX of XXXX, I have received the notification on my email and my transactions as received but I never received the money on my balance. I contacted customer service but they said I had a negative balance of XXXX but I cant overdraw on my account and havent been making any, I used my own money.they said I have been force charged by the XXXX XXXX XXXX but also said they cant provide the information because it isnt the end of the month yet, I have screenshots of my transactions that showed I never touched the money I was supposed to receive, and no notification showed tha they charged me XXXX $ yesterday at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
my personal information is incorrect and my employment is incorrect NAMES REPORTED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I am filing a formal complaint against OneMain Financial regarding gross violations of the Equal Credit Opportunity Act ( ECOA ), a lack of transparency, and the use of unfair corporate practices. On XX/XX/XXXX, I applied for a consumer loan with OneMain Financial. I requested a sum of {$7000.00} at an annual interest rate of 19.9 % for 24 months. My loan application was denied ; however, the application review and denial process was marred by a series of legal and operational violations : 1. Use of Outdated Data and Vague Denial Rationale : The company inaccurately assessed my financial standing by relying on outdated income data from XXXX while completely disregarding my current financial documentation for XXXX. Furthermore, the stated reason for the denial was an extremely vague phraseDue to insufficient incomewhich directly contradicts the requirements of the XXXX, which mandates that specific, accurate, and principal reasons for an adverse action be provided. 2. Destruction of Application Records : Immediately following the denial decision, OneMain Financial completely deleted the history of my loan application from the dashboard of my personal online account. The only information currently available on my online portal is a generic denial notification containing neither specific reasons for the denial, nor details regarding my credit score, nor information about the credit reporting agency used ; this notification format fails to meet the standards established by the ECOA. 3. Evasion of Communication by Customer Support : The representative assigned to review my application has been actively ignoring my messages. I sent a formal letter via email to their support staff, yet I did not even receive an automated response acknowledging receipt of my inquiry. OneMain Financial is actively evading its legal obligation to provide me with a formal written Adverse Action Notice, drafted in strict compliance with statutory requirements. Since the company has deleted the visible history of my application from my personal account and is failing to respond to my messages and inquiries, I request that the Consumer Financial Protection Bureau ( CFPB ) immediately intervene in this matter, conduct an investigation into these unethical business practices, and compel OneMain Financial to issue me an official written notice of loan denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding Capital One account ending in XXXX for an alleged balance of approximately {$520.00}. I am requesting that all collection communications regarding this account cease pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692c ( c ). I no longer wish to receive collection calls, text messages, emails, or repeated collection notices regarding this matter except as permitted by federal law. Despite ongoing collection activity, I have concerns regarding the handling and communication practices associated with this account. I am requesting that the company comply fully with applicable federal consumer protection laws and cease improper or excessive collection communications. I am submitting this complaint to create a formal documented record of this matter and my request for communications to cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX They never sent me a XXXX stipulate this debt was discharged lost for profit, blackmailing the citizen in order to extort money that they have a written off. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/2026 XXXX XXXX XXXX. I am writing to dispute inaccurate information being reported on my credit report regarding an alleged canceled debt/account listed by XXXX XXXX XXXX XXXX XXXX I never received a Form XXXX, Cancellation of Debt, as required under federal tax reporting guidelines. Despite this, the account continues to be reported negatively to the credit bureaus as charged off, canceled, or delinquent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681, all information reported must be complete, accurate, and verifiable. Since no XXXX was provided and the reporting appears inconsistent and misleading, I request that this account be fully investigated and verified. Please provide the following : 1. Proof that a valid XXXX was issued and mailed to me ; 2. Documentation showing the legal status of the alleged debt ; 3. Verification that the information being reported is accurate and complete. If you can not provide proper verification, I demand that this account be removed immediately from my credit report. Please complete your investigation within the timeframe required by the Fair Credit Reporting Act and send me written confirmation of the results. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> XXXX accounts were opened in my name and added multiple names for XXXX. some attempts to change information were added ( emails, phone numbers ). emailed phishing @ Wells Fargo, and automatic response of will be in contact while this scammer were making changes in accounts from XXXX through XXXX. called and Fraud department said they block/froze accounts, and gave reference XXXX, however would not provide names account # and damages under my name. this is disturbing and scary that someone has have all my information.

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 non-monetary relief
Consumer complaint received 2026-05-20 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: CT

Complaint narrative:
I enrolled in XXXX and XXXX XXXX and took out federal student loans to attend the program. During my enrollment, the school relocated its campus to a new location. This relocation significantly impacted my ability to continue attending classes because the new location created transportation and travel difficulties that were not reasonably manageable for me. As a result, I was unable to consistently attend the program after the move. In addition, during my time in the program, I experienced issues with the quality of instruction. I felt that the course material was not properly taught and that I did not receive adequate instruction or educational support to successfully complete the program as expected. Because of the combination of the campus relocation and the lack of effective instruction, I was unable to complete or benefit from the program, yet I still incurred student loan debt associated with my enrollment. I am filing this complaint to request a review of my student loan account and to seek guidance or relief options, including borrower defense or other available remedie. I understand that MOHELA, the servicer of my student loans, has been the subject of multiple lawsuits and investigations regarding servicing practices and borrower account handling. While my complaint is based on my individual circumstances, I am concerned about the accuracy and handling of my account and request a full review to ensure it has been properly managed. My primary issue remains related to my attendance at XXXX and XXXX XXXX, including the campus relocation that significantly impacted my ability to attend and concerns about the quality of instruction I received.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery XXXX is taking me to court or has received a judgment on several old debts. The debts are consumer debts that may be from XXXX or earlier. The alleged debts are from when I was living in Indiana. I now have been living in Texas for only XXXX years. I have sent cease and desist letters to the company as well as the attorneys working on the cases. So that they will only communicate with me in writing. I have also filed motions to dismiss the cases. I also requested a chain of assignment, and debt validation from the company. Under Texas law the alleged debts may be passed statute of limitations. I believe several violations have been committed by this company. Portfolio Recovery has 3 open cases against me for alleged old debts from another state. One case has used a receiver, and I am filing a counter claim against the company for that case. I only receive XXXX XXXX, and I made them aware of that the receiver told me that the only way to have the accounts I am listed on unfrozen is to sign the agreement to pay. Due to the XXXX of it all and the receiver causing economic duress. I would like to be compensated {$3400.00} for all the accounts they tried to sue me for and for them to send a letter to the credit bureaus to have these accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland credit management has been repeatedly calling me regarding an alleged debt. The frequent calls have become overwhelming and XXXX. I have informed them that I can not pay at this time and that I will pay when I am financially able, but the calls continue off of new numbers everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I am requesting assistance regarding a wire transfer that Synchrony Bank has failed to process despite my repeated attempts to verify my identity and complete the transaction. On XX/XX/XXXX, I initiated a wire transfer from my Synchrony account. The transfer was to be routed through an intermediary bank, XXXX, and then deposited into an account in my name with XXXX XXXX XXXX Before initiating the larger transfer, I first completed a test wire transfer of {$100.00} using the same transfer instructions. That test transfer was successful. Because the larger transfer needed to be completed the same day, I contacted Synchrony by phone. I understand that wire transfers requested by XXXX p.m. XXXX XXXX should generally be processed the same business day. I spent nearly XXXX hours on the phone with Synchrony employees and supervisors attempting to complete the wire transfer. It is now XX/XX/XXXX, and Synchrony still has not processed the transfer. Synchrony representatives have stated that there is an issue with my phone number. However, as part of their verification process, they sent a text message containing a security code to my phone approximately XXXX separate times. Each time, I received the code and read it back correctly to the representative. In addition to successfully completing the text-code verification, I also answered other security questions, provided my Social Security XXXX XXXX and confirmed account information. I am also able to log in to my Synchrony account and provide exact account details or send a secure message through their system. Despite all of this, Synchrony continues to refuse to process the wire transfer. I am concerned that Synchrony is unreasonably withholding access to my funds and failing to process a legitimate wire transfer from my account after I have completed multiple forms of identity verification. I have made a good-faith effort to comply with every verification request, but no one at Synchrony has provided a clear resolution or a reasonable explanation for the continued refusal to complete the transfer. I respectfully request assistance in reviewing this matter and helping me obtain access to my funds. I would also appreciate guidance on whether Synchronys handling of this wire transfer complies with applicable banking rules and consumer protection requirements.

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 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I have two installment loans with affirm : Loan ID XXXX Apple {$3000.00} Loan ID DTIC-RGTL Apple {$730.00}. On XX/XX/XXXX a credit in the amount of {$470.00} was applied to the wrong loan ( XXXX ) in error it should have gone to DTIC-RGTL. I contacted customer service and was denied by the initial person and supervisor XXXX XXXX who would not assist with the matter any further. I would like the credit to be applied to the correct loan.

Company response to consumer: Closed with explanation