vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Since XX/XX/year>, I have attempted to apply my VA XXXX 100 % tax emption to my property. My local tax office and myself have provided Shellpoint the documentation multiple times in a XXXX  months span however, they are failing to apply the exemption and instead, increased our monthly mortgage payment, again. We have requested to speak to a supervisor on multiple occasions and have failed to receive any call backs or notification regarding our request. At this point, I am being discriminated against as a XXXX XXXX XXXX and am being refused benefits that I am entitled to receive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Starting in XX/XX/year> PHH Mortgage Company continually charged me the same about in monthly mortgage even though I switched to a cheaper homeowners insurance. My monthly payment should have been less, yet they continued to do this & are still doing it. When I asked why?, the company stated they just havent reassessed the account yet ; however its going on XXXX  months & Im still waiting on my refund that should be returned to me. PHH Mortgage Company has a Reputation of cheating their customers out of their monies & have been in class action lawsuits on more than XXXX occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the following items as identity-theft related and demanding an immediate block pursuant to 15 U.S.C. 1681c-2. 
XXXX. FRAUDULENT ACCOUNT Creditor : XXXXXXXX XXXX  Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Charge-Off Date Reported : XX/XX/XXXX Balance : {$1900.00} I did not authorize, open, or use this account. 
XXXX. UNAUTHORIZED CREDIT INQUIRY Furnisher : XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry and did not provide written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
My account has been frozen for over XXXX months with no explanation or response. I am requesting the immediate release of my funds or a written legal basis for withholding them from Truist bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On an M & T Bank car loan I was assessed XXXX in late charges due to one missed payment in XXXX of XXXX. I pay my loan via the XXXX XXXX XXXX XXXX XXXX via bill pay, and the the loan statements I figured were off by a few days because every time I checked my bill pay the car loan was posted and the next one set to be paid. At no point did any loan statements or letters indicate that I missed a payment back in XXXX XXXX and was being assessed a {$34.00} late charge every month for thisXXXX months!!!!! NO DOCUMENTATION INDICATED THIS. The only reason I found out was because in small print on my installment loan it indicated unpaid late charges - {$450.00} I was in SHOCK. On a letter I received it saidwould you like an extension? Here is how you would qualify .. Again, why would I want an extensionmy bill is paid every month via bill pay. I called immediately on XX/XX/XXXX and they were unable to uncover the reason for over XXXX minutes on the phone. The following day when I called asset management they gave me an entirely different story for the fees ( my bill pay payments are late every month ). Finally the last rep I talked to assured me it was late charges due solely for the missed payment in XX/XX/XXXX. I take responsibility for missing a payment and deserve to pay a late payment .. maybe even XXXX late paymentsbut {$450.00}? Let me reiterateno phone calls were made to explain what was happening. No documentation indicatesYOU MISSED A PAYMENT and are currently being assessed a late payment every month until you are current. NOTHING INDICATES THIS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I used PayPal Pay Monthly ( issued by XXXX ) to purchase tickets from XXXX. The event was materially changed, and XXXX has repeatedly statedboth via automated messages and human agentsthat my order was refunded. However, no funds were ever returned. 

PayPal closed my dispute in the sellers favor, stating proof of service, while XXXX simultaneously claims the chargeback was accepted or that a refund was processed. These statements directly contradict each other. 

As a result, I am being billed monthly on a loan for a transaction that the merchant states was refunded, yet PayPal/XXXX claim no refund was received. 

I am requesting immediate investigation, reconciliation between PayPal/XXXX and XXXX, written proof of refund transmission, and correction of my Pay Monthly balance. If unresolved, I will pursue further regulatory and legal remedies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I was awarded Public Service Loan forgiveness in XXXX of XXXX. I had XXXX loan servicers at the time, XXXX and MOHELA. I had overpaid both servicers and was owed a refund on the amounts I overpaid for my loans. XXXX sent me my refund check immediately, I received it within XXXX weeks. To this day, I still have not received my refund check from MOHELA ( {$2500.00} ). I have spoken to their customer service 2 times ( both times involved over XXXX hour wait times to speak with someone ). The first time ( XX/XX/XXXX ) they told me it had finally be " approved '' by their internal audit and was going to be sent to the Treasury for disbursement to me. After waiting another XXXX months for this check to arrive, I called the Treasury in XX/XX/XXXX. They researched my social security number and said they had no record of any information being sent from MOHELA within the past 6 months. I called MOHELA back early XX/XX/XXXX and spoke to another customer service rep. They informed me that " MOHELA sent you a check in XX/XX/XXXX ''. I informed them I never received a check. I also informed them that I spoke with customer service in XXXX and they never mentioned that they had sent me a check. They told me they would escalate and research this check. If it had not been cashed they would resend the check. If it had been cashed, I would need to go through their fraud department to attempt to resolve. I asked how I would be notified about the results of the investigation and they informed me it was not possible for them to notify me, that I would have to call back after 10 business days to inquire about the results of their investigation. It has been over 10 business days and I attempted to call back. I was given an estimated wait time of XXXX hour. After waiting XXXX hours on hold I was unable to stay on the phone ( I was picking up a family member from the hospital ) so I had to hang up. I am attempted to call back again today, was informed it would be XXXX and half hours for my " estimated wait time ''. 

It has been over a YEAR since MOHELA has owed me a refund. I feel helpless and unable to make any progress getting information or my refund from MOHELA. PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I applied for the Quicksilver card through a promotional link offering a {$200.00} bonus for {$500.00} in spend. During the process, the bank 'counter-offered ' a different version of the card ( Quicksilver XXXX  ) without clearly disclosing that the {$200.00} bonus would be removed. I have met the spending requirement, but the bank is refusing to honor the marketing offer I initiated. This feels like a bait-and-switch tactic. I didn't even realize that the quicksilver XXXX and regular quicksilver were two different things. I thought that the quicksilver was one single card because the options available were savor, quicksilver, and XXXX. The only reason why I opened the account was for that bonus as an incentive for joining. I assumed that if you use the link that is connected to a promotion it will lead you in the path of receiving it and not take you to a different product that doesn't have the offer. When you click on the pre approval button it zooms to the bottom of the page skipping the part that shows the different cards available so if you don't scroll down on your phone you won't even see it to know which cards qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had an account opened with Capital One using My information that I never authorized I never received or activated a credit card and havent applied for any credit cards I also had another credit card with Ive contacted Capital One numerous times explaining the issue and still am being responsible for the identity theft. I want it removed from my credit report and when Ive called asking the information used to apply for the card was withheld from me only

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I have repeatedly tried to unsubcribe without success. The latest email did not have an unsubscribe option at the bottom. XXXX credit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
What it happened was XX/XX/XXXX at about XXXX XXXX  I got a notification that my Cash app was blocked due to activity I go in there and see that someone from Kentucky has hacked my Cash App account and they transferred the XXXX from my savings account to my checking which had {$50.00} in it sent themselves XXXX then transferred out from my actual bank account that was linked to it {$100.00} then transferred out XXXX and sent themselves an additional {$120.00} and try to pull out more when I asked for a refund from them they declined I got in contact with Cash App and they said they would do an investigation. It would take XXXX to XXXX  days. I called Friday. They said it has not been a full 10 days. I said so in three more days the lady said yes I call back today. They tell me its gon na take more time and I asked them if Im gon na get my money back and they said its not guaranteed. How can an app not reimburse you for them not making it secure because I had a pin on my Cash app as well as a Face ID that was disarmed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland credit management XXXX {$2600.00} Charge off still on my credit report XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX {$2300.00} Cavalry Portfolio services {$1900.00} All went to collections never got validation on accuracy amounts were wrong and debt got paid/ charged offs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: NY

Complaint narrative:
In XX/XX/year>, I applied for the PSLF Buyback Program in order to purchase my remaining two qualifying payments so my loans could be forgiven. At the time of application, I was informed that the process would take approximately XXXX weeks. It has now been several months, and despite calling twice for updates, I have been told only that there is no time estimate and that no supervisor or escalation option is available. I was told the only option was to " keep waiting. '' This delay is having a serious impact on my life planning. I am currently in a toxic work environment due to a new manager and have an opportunity to move to a private practice role that would offer greater stability, flexibility, and improved compensation. My fianc and I are also planning our wedding and hoping to start a family. Unfortunately, I can not leave my current nonprofit role without losing my eligibility for PSLF, which places me in an untenable position both professionally and personally. The prolonged uncertainty is also affecting my mental health. 
I am respectfully requesting assistance in reviewing and expediting my Buyback Program application or, at minimum, providing a clear status update and realistic timeline for resolution. I have fulfilled my public service commitment in good faith and simply seek closure on a process that appears to be stalled with no available recourse through standard customer service channels.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 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: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
The Debt Collector Lockhart Morris and Montgomery have continuously falsely and illegally reported and relisted an old duplicate debt to the credit beauru as a new account. The debt collector keeps relisting the same debt of {$2500.00} as a new open account to damage my credit. Not only is it ethically immoral but it's illegal!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against Experian , XXXX, and XXXX  have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The CFPBs enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB XXXX XXXX makes clear that agencies may not impose unreasonable barriers to a consumers right to dispute under 15 U.S.C. 1681i. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: FL

Complaint narrative:
I attempted to place an online order with XXXX XXXX using my Discover credit card. The transaction was declined due to a fraud alert, and I was notified that the transaction was declined due to a fraud alert. 
Relying on that decline, I then placed a separate order using a different payment method ( After pay, charged to my XXXX XXXX card ). 

On XX/XX/year>, I sent a message through discovers secure message regarding rude behavior and misinformation from a representative handling the initial decline. I requested follow up but never received a response. This demonstrates part of the ongoing mishandling of my dispute Afterward, Discover posted the originally declined transaction without any approval notification, confirmation message, or additional authentication. This resulted in XXXX orders being processed when I only intended to place XXXX. 

I contacted Discover multiple times. Different departments gave conflicting explanations. Some representatives stated the charge was declined for fraud, while others claimed it was authorized, despite being unable to provide proof of a second authorization or approval notification. 

A dispute was opened on my account, but it was incorrectly coded as item not received, which I never stated and is inaccurate, as the items were shipped. Discover has refused to correct the dispute reason because it is already in process, despite acknowledging the decline and subsequent posting. 

I am disputing the Discover charge because it posted after a fraud decline, and I relied on Discovers notification when deciding to place the second order. The lack of proper communication and inconsistent handling caused an unintended duplicate purchase and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Avid Acceptance, LLC
State: UT

Complaint narrative:
Harassment regarding loan management and payments. Multiple calls a day, mix of normal and AI, during work and off hours. Threatening repossession on my car and also calling friends and family in an attempt to pressure them to talk to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, I sent {$100.00} through XXXX from my Chase checking account after being contacted by someone impersonating my friend. I believed I was helping my friend with an urgent situation. After sending the payment, I learned that my friends account had been compromised and that I had been scammed.

I immediately contacted Chase to report the fraud and opened a claim. I also filed reports with XXXX, the FTC, and the FBI IC3. Despite reporting promptly and providing details of the impersonation scam, Chase denied my claim and stated that this must be resolved directly with the recipient, which is not possible because this was a scam.

I would not have authorized this payment if I had known it was fraudulent. I am requesting a formal review of this case and reconsideration under Chases scam reimbursement practices, especially given the impersonation, immediate reporting, and XXXX  XXXX  amount.

Company response to consumer: Closed with explanation