vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint regarding continued telephone contact and refusal to honor my written cease and desist request. On XX/XX/year>, XX/XX/year>, and XX/XX/year> I sent a written notice to the company revoking any and all electronic payment authorization ( XXXX, remotely created checks, or any other electronic withdrawals ). In that same notice, I requested that all communication regarding this account be conducted in writing only and that no further telephone contact be made to me or any associated XXXX XXXX. Despite receiving this written notice, the company has continued to call me. When I reiterated my request for written communication, I was told that I must call them and that they would not communicate in writing. This refusal to honor my written communication request is inappropriate. Additionally, the company has contacted phone numbers associated with me, including relatives and prior numbers, despite my instruction that XXXXXXXX contact cease. I am concerned about the continued use of associated numbers and potential improper third-party disclosures. I have clearly revoked consent for telephone communication and electronic withdrawals. Continued calls after written notice constitute unwanted and repeated contact. I am requesting that the company : Immediately cease all telephone communication to me and any XXXX XXXX Confirm in writing that my ACH and electronic payment authorization has been revoked. Provide any settlement or repayment offers in writing only. Confirm that no further XXXX contact will occur. Also confirm who is servicing the account. They've sent notices stating the account is being handled by a XXXX XXXX XXXXXXXX but TitleMax is still calling me. When I've called XXXX they are stating they do not have the account. I am willing to review written settlement options in good faith ; however, I will not discuss this account by phone. Any settlement offer must be provided in writing and must clearly state the total amount claimed, the proposed settlement amount, and confirmation that the account will be satisfied in full upon payment. I am maintaining documentation of all call attempts and communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I am disputing a large interest charge that resulted from XXXX failure to aggregate multiple loans under my single user profile. In XXXX, I took out XXXX separate home improvement loans through XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX services ( Account No. XXXX and Account XXXX. XXXX ). I used the same email address and personal information for both loans. When I registered and logged into the Goodleap online portal, my dashboard displayed only Account XXXX. XXXX. Relying on the information shown in XXXX XXXX and acting in good faith, I paid off the entire balance shown on my profile in XX/XX/XXXX ( totaling {$2100.00} ), believing I had satisfied all of my obligations to Goodleap. At no time was Account XXXX. XXXX visible in my online dashboard, nor did I receive any written statements or digital notifications regarding this second account before the 0 % interest promotion expired on XX/XX/XXXX. Only after the promotion ended did I learn that deferred interest had been applied. A loan with an original principal of {$1700.00} has now grown to {$2200.00} solely due to interest and fees on Account XXXX. XXXX. XXXX has stated that they attempted to call in XXXX. I receive high volumes of spam calls and do not answer unrecognized numbers. In any event, a single unverified phone call does not cure the fact that their online platform failed to display my XXXX account. XXXX has my verified email address and successfully used it to communicate about my XXXX loan, yet they did not send a single written statement or electronic notice regarding the XXXX loan until after interest began accruing. The Goodleap customer service rep acknowledged that the XXXX accounts were not linked under my profile despite sharing the same email address. This is a systemic failure in XXXX account management and communication processes. Had Account XXXX. XXXX been visible in my dashboardas any reasonable consumer would expect from a modern financial XXXX would have paid it off at the same time as Account XXXX. XXXX and no interest would have accrued. I am prepared to immediately pay the full original principal balance of {$1700.00} on Account XXXX. XXXX. In light of XXXX incomplete and misleading online interface, and the lack of proper account aggregation and notice, I respectfully request a full waiver of all accrued interest and fees on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I have been a Affirm customer for over a year now. Multiple purchases and ALL of my payments made on time. There was a fraudulent purchase on my account I noticed and have been fighting back and forth with affirm to remove it. I had to dispute the transaction XXXX as affirm has only tried to adjust a small percentage of the whole purchase. I spoke with ( and have physical document ) of the representative from affirm stating the dispute fell in my favor however there is an error on affirms end that has not allowed them to adjust the remaining balance? Now the payment is reflecting on my account as XXXX days past due and I am worried it is going to affect my relationship with affirm and be reported to the XXXX XXXX as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
A unlawful attempt to collect debt from XXXX XXXX by this company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Validation of Debt Request - PORTFOLIO RC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - PRO COLLECT - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Garrison Investment Group
State: NJ

Complaint narrative:
The loan was coerced through your partner XXXX. They applied for the loan for us and lied and said just pick up your phone when XXXX XXXX calls. The application is fraudulent as my income was nothing at the time of the application as I was in the processing of starting a new job so we were told to use his previous employer to qualify therefore you fraudulently applied income to the application. I told you guys on the pre-recorded phone call that the employer XXXX XXXX XXXX was my old employer and my new employer I was making way less income. I separated from XXXX XXXX XXXX the employer they put on my application on XX/XX/year>. I did not start my new job until XX/XX/year>. I was also taken advantage of as I was suffering from a car accident on XX/XX/year>, I told this information to XXXX XXXX coerced us into a loan that was more than my new salary. I was suffering from XXXX XXXX XXXX XXXX. I am not happy with XXXX or XXXX XXXX. I have also tried calling maybe time to XXXX XXXX to assist with payments and they will not cooperate. I was fraudulently lied and coerced into a loan I can not afford. Please also assist me in formally making a complaint to XXXX for predatory lending. XXXX and XXXX finance are utilizing predatory lending practices and cover up their tracks. These companies need to be investigated. Look on XXXX so many people have been a victim of their predatory lending practices. I have complained and complain and get no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
A restriction was placed on my account XX/XX/XXXX. The representative would not tell me for what. I sent in an appeal. The appeal was denied. I created a new appeal after speaking with a XXXX on XX/XX/XXXX and he told me what the restriction was for ( membership eligibility ) my tax refund was sent to the account XX/XX/XXXX. They will not issue a closure check and told me to fill out a form with the IRS to get the its to request the funds back which is impossible. They are holding my money got nothing

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 2026-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Money was taken from my former employer from the bankrupt XXXX using my business account, my social security number, and XXXX XXXX. No deposits are recorded on statements and, i have proof that i XXXX to the CFPB with out XXXX resolution. XXXX - XXXX times this is being reported.

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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have been a usbank loyal customer I have done business with you for decades I even give you the opportunity to do finance business with you. I called my CC company and asked if they can reverse my late fee & fees charged. I cant fathom how decades of being with us bank you cant fulfill a request I have spoke with XXXX on XX/XX/year> XXXX and she couldnt even help me that makes me so annoyed, disgusted how you treat me what type of company would not fulfill this request after so many of dedications. I hope you can redeem yourself.

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 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My uncle had an Ira and I was listed as the sole beneficiary. The bank sent the I R A funds to the unclaimed fund dept state of Ohio. The XXXX dept is impossible to get ahold of to straighten this out and the branch XXXX never heard of an XXXX dept and will not reach out to them and get this resolved! I have called the unclaimed dept ( XXXX ) who tells me she cant do anything without the bank submitting to the state I am the beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Central Research Inc
State: GA

Complaint narrative:
I am a XXXX completing an XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Under 34 CFR 685.205 ( a ) ( 3 ), my loan servicer is required to grant me mandatory forbearance because I am serving in a medical fellowship program leading to board eligibility. CRI has zero discretion here. This is a federal regulatory obligation, not a courtesy. Approximately 40 days ago, CRI removed me from forbearance without notice. I did not receive written notification that my forbearance was expiring. I was not informed of my right to renew under mandatory forbearance. CRI simply let it lapse and generated roughly {$700.00} in charges against my account. I remained continuously eligible for mandatory forbearance throughout this entire period ; nothing about my training status changed. I want CRI required to answer three specific questions : ( 1 ) Did CRI send me written notice that my forbearance was expiring? ( 2 ) On what date, and by what method? ( 3 ) What renewal options were communicated to me? I believe the answers are " no, '' " none, '' and " none, '' and that the {$700.00} balance exists solely because CRI failed to perform a basic servicing function. This is my second CFPB complaint against CRI. My prior complaint ( ID : XXXX ) also required federal intervention to correct a CRI servicing failure on this same account. Two complaints, same borrower, same category of error. This is not an isolated mistake. I request that the CFPB : ( 1 ) require CRI to restore my mandatory forbearance retroactive to the date of removal and eliminate the erroneous {$700.00} balance that resulted from their notification failure ; ( 2 ) require CRI to produce evidence of any expiration notice or renewal communication sent to me ; ( 3 ) require CRI to preserve all recorded telephone calls between me and CRI representatives ; and ( 4 ) evaluate whether CRI 's pattern of repeated servicing failures on a single borrower 's account indicates compliance deficiencies warranting supervisory review. thanks very much for your time and attention to this matter best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am filing this complaint regarding Discover Banks improper handling of my credit card dispute involving a {$2200.00} charge from XXXX, despite clear and documented evidence that the merchandise was returned, accepted, and retained by the merchant. After receiving an incorrect item, I returned the merchandise in person to a XXXX store. The return was inspected and approved by store management, and I was issued a return receipt confirming acceptance. XXXX retained possession of the merchandise. A refund was initially issued to my Discover card and was later reversed without justification. I disputed the charge with Discover under XXXX # XXXX. Discover denied my claim twice, instructing me to work directly with the merchant rather than conducting an independent review of the evidence. I contacted Discover customer service again on XX/XX/XXXX. I was later informed of an update dated XX/XX/XXXX, stating that Discover spoke with a XXXX store representative named XXXX, who advised that I should contact the store to resolve the matter. Based solely on this conversation, Discover took no further action on my case and declined to intervene on my behalf. Despite being fully aware that the merchandise was rightfully returned, that I possess confirmation of the return, and that XXXX retained the merchandise, Discover has failed to take meaningful action to protect me as a cardholder. Discover has not disputed that the return occurred or that the merchant kept the item. Nevertheless, Discover declined to intervene or advocate for reversal of the charge and instead deferred entirely to the merchants position. By doing so, Discover effectively allowed the merchant to retain both the merchandise and my funds, without conducting a reasonable or independent investigation. Discovers refusal to act under these circumstances demonstrates a failure to fulfill its obligation as an issuing bank to assist a customer when goods are returned and payment is improperly retained As a result of Discovers failure to act, the charge has remained on my account and has continued to accrue interest and fees, causing ongoing financial harm despite my prompt, documented, and good-faith efforts to resolve the issue. Discovers handling of this dispute does not meet fair billing standards and reflects a failure to conduct a reasonable, independent investigation, as required of an issuing financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I have been peevishly contacted for years and credit reported on a debt : XXXX. I paid a rent bond to the courthouse for the months of XXXX XXXX. XXXX.I never owed to original creditor nor to the collection agency 3. I am being improperly charged for cleaning fees for the entire unit when I only leased 1 one room and 1 shared space. The fees are very likely inflated/fraudulent as I was being charged for items like {$150.00} per room/item cleaned for things like taking out trash and cleaning common areas and painting rooms that were not damaged at moved out. Nor should I be responsible for unit turnover expenses that the Management property already has to pay for every turnover.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Paramount GR Holdings, LLC
State: ID

Complaint narrative:
I am disputing a solar loan serviced by GoodLeap. The solar system funded by this loan has produced no electricity since XX/XX/year>. The original installer is no longer in business, and despite contacting GoodLeap XXXX XXXX XXXX, no servicing provider has repaired the system. I continue making monthly loan payments while also paying full utility electricity bills because the system is non-operational. GoodLeap has not provided a case number, payment relief, or repair resolution. I am requesting investigation, servicing assignment, and payment forbearance while the system remains non-functional.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I made a transfer from my XXXX card to my chime card for {$100.00} money was sent to chime but it was only {$80.00} dollars!! I called chime and asked hey what happened to my {$20.00} dollars cause I was not in the negative on my chime account, chime representative explained that a XXXX gas station in XXXX XXXX has charged my card four multiple since the initial charge of {$20.00} that I received from a friend ( XXXX XXXX ) from her chime to mines to purchase gas on XX/XX/XXXX!!! I asked chime to stop transactions from this gas station cause they have been charging me without my authorization multiple times, I also found there where more transactions on my card that I did not authorize that I noticed from the {$20.00} dollars that was taken multiple times a charge for {$4.00} at the same gas station another charge for {$4.00} at the same gas station, a charge from XXXX for {$52.00} and charge from XXXX XXXX for {$110.00}, I filed a dispute and it has even been XXXX hours and my claim has been denied by chime I called chime multiple time and was hung up on by a representative and a supervisor two separate times about the dispute and I was not allowed to file a rebuttal for my dispute without a written statement.

Company response to consumer: Closed with explanation