vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
XXXX has me marked as ineligible for XXXX for XX/XX/year> due to forbearance. They told me to contact my servicer mohela to find out why. I made a payment on XXXX XXXX with a due date of XXXX XXXX, XX/XX/year> with a due date of XX/XX/year> and XX/XX/year> with a due date of XX/XX/year>. My payments were withdrawn from my bank account as well as shown on mohela that they were processed and accepted. My XXXX bill even shows that I paid in XXXX and didnt miss any payment. XXXX at mohela looked into it and said even though they see payments made and processed on time mohela had incorrectly sent studentaid.gov that I was in forbearance and delinquent for XX/XX/year>. I received no notices about a forbearance either. They said it would take 120 business days to fix as it had already been reported that I was delinquent. Im worried this is going to affect my loan forgiveness as Im due to submit in XX/XX/year> and that it will be reported to credit companies that I didnt pay even though I did and pull down my credit score for something mohela messed up on

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
I recently started a landscaping business, and I have been getting jobs more and more so often. I was recently doing two jobs last week and raked in a total of about {$2300.00}. I had them pay me through my business XXXX account that I have set up for the landscaping business and XXXX is holding all of my money and will not let me access it or use it for what they say is up to 21 days. They effectively I earned and are keeping it XXXX, which is keeping me from being able to pay my bills. I told them this and they basically don't care. They told me the entire process is automated and that because of this, there's nothing that they can do. This is unacceptable as I have put in my XXXX number and everything to make sure that I am seeing as legit because I am. And yet my money is still being withheld from me that I earned, and now I'm behind on my bills and in the red in my bank, because XXXX thinks that they are the king of fraud protection. I don't need some third-party entity to look out for my own safety and protection. I can do that on my own. One of the most pretentious companies I've ever used. Will not be using this service ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I have made multiple requests to cancel the PMI on my loan. I initially requested they cancel the PMI on my loan two years ago when my loan first reached 80 % XXXX and the refused to remove the PMI. They stated that they calculated XXXX based on the original purchase price. Their website indicates otherwise. And they are not required by law to do so, they can use the original appraised value which was higher than the purchase price. As of this month my XXXX is 78.7 % based on the original purchase price and they have failed to respond to my requests to remove the PMI. I have emailed multiple times, I have called and was promised a call back which did not happen and I submitted a request online.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: VT

Complaint narrative:
Company : MOHELA XXXX Department of Education ( Federal Student Aid ) Subject : Failure to Process PSLF Buyback and Mishandling of XXXX XXXX XXXX Account I am filing a formal complaint against my federal student loan servicer, MOHELA, and the Department of Education 's Federal Student Aid ( FSA ) office regarding the mishandling and indefinite delay of my XXXX XXXX XXXX XXXX ( XXXX ) Buyback requests. My current federal student loan balance is {$230000.00}. I have been employed full-time at a qualifying XXXX ( c ) ( XXXX ) nonprofit, XXXX XXXX XXXX XXXX continuously since XX/XX/XXXX. I have submitted certified employment covering the XXXX period from XX/XX/XXXX, to XX/XX/XXXX. My official XXXX tracker currently reflects XXXX qualifying payments. Due to a court order regarding the XXXX plan, my last payment was processed on XX/XX/XXXX, and my account was placed into an administrative forbearance ( currently showing an end date of XX/XX/XXXX ). Because the months in this specific forbearance do not count toward XXXX, I am missing 9 months of payment credit to reach my required XXXX. To rectify this and complete my forgiveness, I submitted requests for the XXXX Buyback option over a year ago. I have received XXXX response, communication, or processing updates regarding these requests despite at least XXXX requests through their feedback form and XXXX phone calls. I am now receiving notices that I will be forced to select a new repayment plan by XX/XX/XXXX, or risk being automatically placed on the XXXX XXXX XXXX. This is unacceptable. I have already completed my 120 months of qualifying public service and legally initiated the buyback process according to XXXX guidelines.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal does not protect consumers and keep supporting fraudulent activities from forgein company who use XXXX address to open account but they are really from XXXX. Case number XXXX for {$42.00} for a comapny called XXXXXXXX XXXX XXXXwas supposed being reviewed for more than 30 days then they favored the seller even after showing that there was no way of contacting the seller and charged me for merchandise I never authorized or wanted. Then they change it to another case XXXX then closed the case. PayPal process of fraudualent activity is not protecting their customers they claim they protect thier customers but this is false and they don't have a great investigation team to verify if their customers is really here in the United States or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I enrolled in carecredit in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo use carecredit. Since opening the account, they have charged an amount of interest that is affordable to me due to the XXXX the card paid for. I have attempted several times over the past 3 months to make payment arrangements, however their automated system and their support both refuse to make a deal with me. Every time I apply for a payment plan, I am told the system said no and to try again in XXXX hours. It was now been 90 days since the account opening, and I still have no ability to make arrangements. I have attached transcripts where the employees give me conflicting information and repeatedly claim they have no ability to give me a way to make payments.

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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was browsing credit card offers from Bank Of Amerca. In order for me not getting waste of my credit score, I used Prequalfied offers from BOA. It said I was qualfied for XXXX XXXX but then i got declined. If you guys dont think I was qualifed then why offered but then declined?? And your reasoning with company relationship wasnt clear. Please advise

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 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: GA

Complaint narrative:
In a previous complaint, I was denied purchase of a vehicle from Carvanna after being approved, paying for insurance and down payment while awaiting delivery. I was provided correspondence stating my account information was used for another account, of which was my husbands Carvanna account and we share our bank account. Since the refusal to sale me a vehicle, I have tried to delete my account information from the Carvanna site and delete the account altogether. The company has refused to delete my information from their site and database. Im asking that my Carvanna account be removed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am disputing Account # XXXX with Fair Collections & Outsourcing ( FCO ), originally from XXXX XXXX XXXX XXXX. On XX/XX/year>, the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) sent me an official letter stating the balance is {$0.00}, the account is PAID, closed, and satisfied by payment. I have attached a copy. Despite this, FCO continues to report the collection as open and derogatory. This is inaccurate reporting. Additional issues : During management company transition, XXXX staff verbally waived my 90-day notice and confirmed I was in good standing. The bulk of the charges ( $ XXXX ) appear to be improper lost rent that violates Texas landlord duty-to-mitigate laws. I have already disputed directly with FCO and all three credit bureaus. I request that CFPB require FCO to immediately delete this inaccurate collection or update it to {$0.00} / Paid / Closed status.

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NBT BANCORP INC.
State: PA

Complaint narrative:
Complaint Description Issue : Bank refused access to XXXX deposited credits, then closed the account without issuing a check for the balance. Dates and amounts : XX/XX/XXXX A deposit of {$66000.00} was credited to my business checking account. XX/XX/XXXX A deposit of {$52000.00} was credited to the same business checking account. Actions taken by the bank : After each deposit, the bank refused to allow me to access the funds. The bank subsequently closed my account At the time of account closure, the bank did not issue a check for any of the deposited funds or the remaining balance. Actions taken by me : I repeatedly requested access to the deposited funds. I attempted to use the account for legitimate business purposes but was blocked. I was never given a written explanation for the refusal or for the account closure. I did not receive a closing check. Result : I have been deprived of access to a total of {$110000.00} ( sum of both deposits ) since XX/XX/XXXX and XX/XX/XXXX, and my account is now closed with no funds returned. Request : Please investigate why access to legitimate credits was denied, why the account was closed, and why no closing check was issued. I request that the funds be released to me immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: SD

Complaint narrative:
XXXX, XXXX took {$450.00} out of my bank account on XX/XX/year> that I did not authorize. I disputed it with my bank and lost the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I transfered {$400.00} from my CashApp account to what I thought was my XXXX XXXX XXXX account but it turns out it went to a XXXX. There is a XXXX XXXX Checking XXXX under my Linked Banks in CashApp. I tried to get the routing and account information but the only thing CashApp would provide is the following.Deposit Amount : {$400.00} Date of Deposit : XX/XX/XXXX at XXXX EST Bank Name : XXXX Last 3 digits of account # : XXXX ACH Trace Number : XXXX The most helpful piece of information here is the ACH Trace Number, which the bank should be able to use to locate your deposit. If the bank states that the deposit was returned back to Cash App, ask them when the return will settle. XXXX Cash App Support XXXX I made several attempts to log into XXXX Bank but they stated I did not have an account. I filed a complaint with the Office of Comptroller of the Currency case # XXXX. They closed the case because I did not have an account with the bank. Doing further research CashApp has sent over {$2400.00} to XXXX since XXXX. I need to have this researched somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Federated Student Loan Services
State: MD

Complaint narrative:
I very much had the up most tolerable moments with these people trying to collect debt from fraudulent actions that I never had our know about at the time when all actions where taking place I want them to stop once and for all I mean I dont understand dont me and my family cant move on from this matter I want them to stop once and for all

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I've been with PayPal for many years, and never had a problem.And all of a sudden, literally out the blue they flagged and and wouldn't allow me to access my account or my money and there's literally nothing I've done on that day differently that I haven't done since the day one years ago when I first got the accountant and I'm confused and frustrated because I have kids to feed and myself as well, and I can't access my own money and they won't tell me. And then they made me go and provide all of these records from like, years ago, and after I submitted that information, they still didn't let me get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this complaint regarding a collection account that continues to be reported on my credit report even after I disputed it and requested information. This collection account is being reported by LVNV FUNDING LLC for an alleged debt originally associated with XXXX XXXX XXXX XXXX XXXX, in the amount of {$1200.00}. My credit report reflects that this account was disputed by consumer, but the account continues to be reported as if it had been properly verified. I disputed this account and requested validation of the alleged debt, documentation showing that the account belongs to me, the balance being reported, the ownership of the account, and the basis for continuing to report the collection account after my dispute. I did not receive an adequate response or sufficient documentation. Despite that, the company continues to report the account. The continued reporting is inaccurate, incomplete, misleading, and/or not properly verified. If the company can not fully and accurately verify the debt, the ownership, the amount, and the reporting details, then this account should not remain on my credit report. I am requesting a full investigation into this account, proper verification of the alleged debt and reporting, and deletion of the collection account from my credit report if it can not be fully and accurately verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
When they called me, I finally answered to ask questions about a settlement to pay for. I liked the options and I would go through with them. But I was driving. I told the representative I was driving and asked them to email me what we discussed and he refused and told me to pull over to give him my bank account information. He told me this twice I believe, after I kept declining and told him Im driving on the highway and Im not pulling over or taking my eyes off the road, he tells me to read him my debit card information, I told him no again as I am driving. He then asks me if I had anyone else in the car to read the information and I told him no I was driving home from work. This made me feel extremely pressured, and I also felt uncomfortable because he refused to email me my options to look over before deciding. They called me XXXX XXXX XXXX XXXX and I spoke with an XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Subject : Repeated Reporting of Unverified Collection Account by XXXX I am filing a formal complaint regarding XXXX repeated reporting of an inaccurate collection account that does not belong to me. The account is related to an alleged XXXX XXXX XXXX bill originating in Texas. This debt is not mine and appears to belong to another individual with a similar name. Over the past approximately XXXX years, I have disputed this collection account more than XXXX times. Each time the account has been removed because the furnisher and/or collection agency has failed to provide sufficient proof that the debt belongs to me. Despite the repeated inability to validate the debt, the account continues to reappear on my credit report. I have repeatedly requested proper validation, including documentation proving : * A signed agreement * Proof of identity * Proof of address * Documentation directly connecting me to the account No adequate proof has ever been provided. I believe XXXX continued reporting and reinsertion of this unverified account may violate the Fair Credit Reporting Act, including obligations related to : * Maximum possible accuracy * Reasonable reinvestigation procedures * Improper reinsertion of deleted information without proper verification and notification This repeated inaccurate reporting has caused ongoing harm to my credit profile and has forced me to spend years disputing the same invalid account. I am requesting : XXXX. Permanent deletion of this collection account from my credit reports XXXX. Written confirmation that the account will not be reinserted without legally sufficient verification XXXX. Documentation showing how XXXX verified this account despite prior removals XXXX. Investigation into the furnisher and reporting procedures associated with this account I am prepared to provide copies of prior dispute history and supporting documentation if necessary. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: SC

Complaint narrative:
I opened a checking account with Chime that was advertised for a direct deposit bonus when you make {$200.00} deposits for XXXX months. I have been receiving alerts from different credit monitoring services that a new trade account was opened. I called chime and they said that the account is a credit building account which appears on my credit report as a new credit card. I did not want a credit card and their advertising of this was extremely misleading. Now the amount of time opened of my newest account is going to be reset

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am filing this complaint against the credit bureaus for reporting inaccurate, unverifiable, and potentially unauthorized information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). I have formally disputed multiple accounts and requested proper verification ; however, these items continue to be reported without sufficient evidence of accuracy or authorization. This is a violation of FCRA XXXX ( b ), which requires maximum possible accuracy, and XXXX, which requires a reasonable reinvestigation of disputed items. Additionally, due to recent data security concerns involving consumer information, I have reason to question the integrity and security of the data being reported on my file. The continued reporting of potentially compromised or unverified data raises serious compliance concerns. The accounts in question include collections, charge-offs, and other derogatory items that have not been properly validated. Despite my dispute, the bureaus have failed to provide adequate documentation proving these accounts are accurate and legally reportable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this formal statement to dispute the continued presence of negative accounts, inquiries and collections currently appearing on my credit file. Please be advised that these accounts have already been fully settled and resolved. As such, their continued reporting as active negative items is inaccurate, misleading, and damaging to my financial standing. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am demanding that you immediately remove these negative accounts and collections from my credit report. Because these matters have been settled, I also formally request that you block these specific items from being reported or appearing on my credit file ever again. The reporting of settled items as derogatory is a failure to maintain maximum possible accuracy of my credit 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 explanation