vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: CA

Complaint narrative:
b'I am filing a complaint against XXXX XXXX (Comerica XXXX) regarding failure to transfer my Social Security benefits to my bank account.\n\nI initiated a transfer of my federal benefits, and the funds have not been received. XXXX XXXX has not provided a clear explanation, trace number, or resolution. This is preventing access to my Social Security funds.\n\nThis may constitute a violation of the Electronic Fund Transfer Act (Regulation E), as I have not received proper error resolution or timely access to my funds.\n\nI am requesting:\n\t1.\tImmediate investigation and release of my funds\n\t2.\tA trace number and full transaction details\n\t3.\tWritten explanation of the delay or failure\n\t4.\tAssurance this issue will not recur\n\nThis delay is causing financial hardship as these are federal benefit payments.\n\nPlease expedite resolution.\n-////\n\nSent via email to XXXXon XXXX and XXXX XXXX XXXX- keep in mind I have approx 10 emails to this entity and 4-5 phone calls\n\n- Case number: XXXX\n- Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n- Name: XXXX XXXX XXXX Account: XXXX XXXX XXXX XXXX.\n\nA supervisor I spoke to at XXXX on XXXX XXXX stated a bank statement or letter from my bank (XXXX) on letterhead indicating my name - only my name, my account number, my address is required. \n\nPlease see below documents to fulfill the requirement by XXXX to transfer money from XXXX to my XXXX XXXX account.\n\nThe DIRECT deposit slip is all that XXXX XXXX can be provide as proof of my bank account as the account was established XXXX.\n\nA XXXX XXXX statement isnt available until XXXX. XXXX doesnt have a proof of account letter template that they can provided. \n\nOn this email are my:\n* the XXXX XXXX XXXX XXXX document as proof of my account\n* SSN\n* passport\n\nPlease reply within your timeframe of 5 days. \n\nPlease note, I have emailed XXXX the required documents no less than 5 times. XXXX failed to notify me that documents were approved or denied. During the call with XXXX on XXXX is when I was informed the documents submitted were not approved. \n\nOver a month has been spent trying to access my XXXX monies. \n\nMy rent is now in arrears by 3 months.\n\nEviction notice issued to me. I will be HOMELESS if I cannot transfer these monies, immediately. \n\nLastly, XXXX has been notified of the issue with XXXX. Compromising finances falls under Adult Protective Services (XXXX) umbrella.\n\nXXXX will receive a copy of this email'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
Ticket Number : XXXXRepresentative Name : XXXX I am adding to my complaint regarding Chimes handling of my account and pending funds. During my most recent interaction, I spoke with a representative named XXXX and requested to speak with a supervisor. My request was refused, and I was told that I had already spoken with XXXX, which is not an acceptable resolution to my concern. I am demanding that Chime immediately release the {$200.00} authorization hold on my account. This transaction was canceled through XXXX XXXX and was never completed, meaning there is no valid reason for my funds to remain unavailable. This experience has caused significant inconvenience and financial hardship. Due to the lack of proper support and refusal to escalate my issue, I no longer wish to continue banking with Chime after this matter is resolved. I expect immediate action to release my funds and proper handling of customer escalation requests moving forward. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Date of Incident : XX/XX/year> Total Amount Involved : {$25000.00} ( transaction total ) + approx. {$20000.00} in projected fees. Merchant ID : XXXX Description : My merchant account was targeted by a high-velocity, automated " Carding Attack. '' A bot processed hundreds of fraudulent {$20.00} transactions using stolen credit cards over a XXXX window. I immediately disabled my website API to stop the fraud and contacted XXXX ( Case # XXXX ) to report the criminal activity. I requested that XXXX perform a " Bulk Reversal '' to return the funds to the rightful cardholders and waive the associated dispute fees, as I acted in good faith to mitigate the attack. XXXX responded with a generic form letter ( see attached ) providing basic advice for vetting single suspicious orders ( e.g., checking XXXX profiles ). This response completely ignored the scale of the automated attack and my request for a fee waiver. As a result, I am facing thousands of dollars in predatory administrative fees for a crime I reported immediately. I am seeking a full waiver of all dispute fees and a reversal of the fraudulent transactions without penalty to my merchant standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
I had a home equity loan with XXXX home loan, my loan was sold to a company Dovenmuehle. They continue to harassed me about a payment was never paid for XXXX of XXXX. I have never missed a payment and was never contacted by discover of a missing payment. They added the XXXX payment for the XXXX payment, so now when XXXX payment has been made it makes it looks if XXXX behind a payment. Document from my bank stated XXXX of XXXX was they continue to add late fees stating XXXX behind. Never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
The interest rate changed every single payment and I could not get them to acknowledge it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC
State: CO

Complaint narrative:
I am filing a complaint against my mortgage servicerXXXX XXXX XXXX XXXX XXXX regarding improper force-placed hazard insurance charges and resulting financial harm. For approximately XXXX years, XXXX XXXX has been charging hazard insurance through my escrow account despite the fact that I have maintained continuous and active homeowners insurance coverage with XXXX during the entire period. This represents a clear case of duplicate insurance coverage and improper force-placed insurance. I have made multiple attempts to resolve this issue directly with the servicer through phone calls, but no resolution has been provided. As a result of these improper charges, my monthly mortgage payment increased beyond the agreed amount. This has caused financial strain and has negatively impacted my credit, as the payment amounts reported and required were not consistent with my original loan terms. Under RESPA regulations, a mortgage servicer XXXX not impose force-placed insurance when a borrower has active coverage. I am requesting the following : Immediate cancellation of the force-placed hazard insurance Full refund of all improperly charged amounts A complete escrow analysis and correction Correction of any negative credit reporting associated with this issue Written confirmation of all actions taken I am prepared to provide documentation showing continuous coverage with XXXX for XXXX entire period in question. I request prompt investigation and resolution of this matter. Sincerely, XXXX XXXX XXXX number : XXXX

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 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account that is currently being reported on my credit report that I believe to be inaccurate and improperly validated. A collection account from Transworld systems inc in the amount of {$590.00} is currently appearing on my credit report. I dispute the accuracy and validity of this alleged debt and request proper investigation and validation. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying this debt, such as a signed contract, original account statements, or documentation proving I am legally responsible for the alleged obligation. Additionally, under 15 U.S.C. 1692c, debt collectors must comply with consumer protections regarding communication and collection practices. Furthermore, under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), any entity furnishing or reporting information to consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting a collection account without proper verification raises serious concerns about the accuracy of this reporting. Additionally, under 15 U.S.C. 1681i of the Fair Credit Reporting Act, consumer reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information on their credit report. The continued reporting of this account without proper verification and documentation is negatively impacting my credit profile and may constitute violations of federal consumer protection laws. Therefore, I am requesting the following resolution : 1. A full investigation into the accuracy and validity of this collection account. 2. Complete validation of the alleged debt as required under 15 U.S.C. 1692g. 3. Documentation showing the reasonable procedures used to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). 4. A reasonable reinvestigation of the disputed account as required under 15 U.S.C. 1681i. 5. Immediate deletion of this collection account from all consumer reporting agencies if the debt can not be properly verified and validated. If the company can not provide sufficient documentation proving the validity and accuracy of this alleged debt, I request that the account be removed from my credit report immediately and that all credit reporting agencies be notified of the correction. Thank you for your assistance in protecting my consumer rights and ensuring compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: IL

Complaint narrative:
I paid a {$500.00} deposit and {$1500.00} charge for a hair transplant with XXXX XXXX, but the surgeon did not use the amount of hair grafts I paid for, and completely disregarded how we agreed to do the hair transplant. I paid for XXXX hairs, but the surgeon only provided approx XXXX ( XXXX hairs per incision site/scab ), which can be seen in pictures, and I felt and counted how many incision sites were made during the procedure -- only about XXXX incision sites, which again can only amount to approx XXXX, at the most. The surgeon, then, also placed the hairs in areas I specifically told him not to ( in the middle of my hair, above my hairline ), and avoided areas where I asked him specifically to put hairs in to ( in front of my hair, before the hairline ). I have emails showing where we had previously agreed. After the procedure, I reached out to my bank to dispute the charge for services not received. However, my bank sided with the merchant/surgeon citing documents which did not investigate this claim, and instead utilized evidence of authorization only, seemingly looking into the dispute as a fraud claim. I have tried to appeal but they still stand on their incorrect decision, and I believe are not thoroughly looking into the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
FORMAL NOTICE OF VIOLATION FAILURE TO VERIFY DEMAND FOR DELETION Date : XX/XX/year> To : XXXX XXXX XXXX XXXX AND SOFI BANK , NATIONAL ASSOCIATION ( Original Creditor / Furnisher of Information ) AND All Agents, Assigns, and Data Furnishers Reporting This Account From : XXXX XXXX XXXX XXXX, Authorized Representative ( CALL ) I XXXX XXXX NOTICE This is a formal notice of violation regarding your failure to conduct a reasonable investigation and failure to properly verify disputed information under the Fair Credit Reporting Act ( FCRA ). Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent. BACKGROUND A lawful dispute was submitted requesting full verification of the reported account, including : Original credit application Electronic signature authentication records IP address and consent records Account origination documentation RESULT OF YOUR RESPONSE Your response stated the account was verified and belongs to you, yet you failed to provide any of the requested documentation. VIOLATIONS Under 15 U.S.C. 1681s-2 ( b ), you are required to : Conduct a reasonable investigation Review all relevant information Verify accuracy using evidence Delete information that can not be verified Under 15 U.S.C. 1681i : Information must be deleted if it can not be verified Under 15 U.S.C. 7001 ( XXXX XXXX ) : Electronic agreements must be attributable and reproducible No such verification has been provided. LEGAL POSITION You have verified data, not liability. No contract, no authenticated signature, and no origination records have been produced. Therefore, the account remains unverified as a matter of law. DEMAND You are hereby demanded to : XXXX. DELETE the disputed account immediately from all consumer reporting agencies ; XXXX XXXX. Produce complete account-level verification including all origination records You have XXXX ( XXXX ) days from receipt of this notice to comply. Failure to comply will result in : CFPB Complaint State Attorney General Complaint Civil Action for damages Respectfully, XXXX XXXX XXXX XXXX, Authorized Representative ( CALL ) I XXXX XXXXXXXX XXXX XXXX : I declare under penalty of perjury under the laws of the United States and XXXX State of Florida that the foregoing is true and correct. Executed on : XX/XX/year> 2026

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Recovery Solutions LLC
State: MI

Complaint narrative:
I am filing a complaint against a debt collection agency identifying themselves as XXXX XXXX XXXX XXXX They have contacted me by phone and text regarding an alleged debt. They have not provided me any written validation of the debt. I have not received any written notice of this debt by mail or email. despite multiple attempts by this company to collect payment. When I requested a validation letter, I was told that if they sent XXXX, I would no longer be eligible for a settlement offer. this felt coercive and discouraged me from exercising my legal rights. Additionally, the amount they are attempting to collect has more than doubled. When I asked for clarification, I was told that it was due to a lease-to own agreement and that " I should have known, '' but no detailed breakdown or documentation has been provided to justify the increased balance. They have also used urgent and threatening language, including stating that a case is scheduled to be filed against me, without providing any official documentation. When I missed their payment deadline they created to pressure me into paying, their supervisor called and left me a voicemail stating that my previously offered settlement is revoked. The voicemail instructed me to have my lawyer, contact them directly. This action felt like retaliation and intimidation. I do not have confirmation that this company owns the debt it has the legal authority to collect it. I believe these actions violate the fair debt collection practices act. including failure to provide required written notice. attempting to collect a debt without validation. deceptive practices and misrepresentation of the debt amount. Coercion regarding the debt validation and settlement options. Improper threats, retaliation and intimidation.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I am submitting this complaint regarding the handling of a credit reporting issue by Freedom Mortgage. On XX/XX/year>, I inadvertently missed my mortgage payment due to an oversight. This was not due to financial hardship. Upon realizing the error, I immediately brought the account fully current on XX/XX/year>, by paying both the XXXX and XXXX payments. Prior to this incident, I maintained a perfect payment history on my mortgage. This is the only late payment on my record. After correcting the issue, I contacted Freedom Mortgage and requested a goodwill adjustment to remove the XXXX late payment from my credit report, based on my otherwise flawless payment history and immediate resolution. Freedom Mortgage declined this request, stating they do not make courtesy adjustments. While I understand the accuracy of the reporting, I believe the response lacks reasonable consideration for a one-time, promptly corrected oversight from a customer with an otherwise strong payment history. This single XXXX late payment has resulted in a significant drop in my XXXX XXXX ( approximately XXXX points ), which is disproportionate given the circumstances and my immediate corrective action. I am requesting that Freedom Mortgage conduct a discretionary review and consider removing the XXXX late payment as a one-time goodwill adjustment based on my history of responsible payment behavior. I am not disputing the accuracy of the reporting, but rather requesting reasonable consideration in how this situation is being handled.

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 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
There are actually a couple of reasons why I want to sue Hyundai Finance. I was XXXX payment behind when they repossessed my car. No contact from them was ever made letting me know that they were planning to repossess my car. I bought my car brand new in XXXX. The vehicle was a XXXX XXXX XXXX. I already paid XXXX on it and owed roughly XXXX. The car sold at the auction for XXXX which is totally bull because the XXXX XXXX book value on that vehicle is XXXX. So now not only did they repossess my vehicle after I paid XXXX, now I owe XXXX and some change they are trying to collect from me. XXXX payment was all I was behind!!!!! No communication with me at all!!! Just came and picked my car up like it was nothing. That was in XXXX of XXXX. When I tried to call and get my car paid up after they repossessed it, they told me what the balance was owed and I had. XXXX towing bill, but would not tell me the storage fees. I had to call a number and get details about storage. The storage place said we cant release those details to you because Hyundai hasnt released the vehicle ..,. So it was a game of cat and mouse chase XXXX couldnt get a straight answer about how much I needed to get my car back. XXXX days after calling around I decided to go to the storage place to try and talk to someone and get my belongings also. When I got there, they had all my personal items in garbage bags and my car was gone. After XXXX days, they shipped my car to XXXX to an auction. They did not give me any notice or time to get my car back. This has to be illegal!!!!!

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 2026-03-19 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: MI

Complaint narrative:
I am an existing, grandfathered borrower enrolled in the XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) repayment plan. I submitted a timely, manual income-driven repayment ( XXXX ) Request form to my servicer, MOHELA, XXXX selecting " recertification '' and the XXXX plan XXXX My form included proof of current income. On XX/XX/year>, MOHELA 's automated system incorrectly denied my recertification, erroneously claiming I requested the " lowest monthly payment '' and citing an unrelated federal injunction. I contacted MOHELA on XX/XX/year> and spoke with a resolutions XXXX ( First name : XXXX, Employee ID XXXX XXXXXXXX ). The XXXX refused to manually correct the system error. Under XXXX XXXX XXXX, existing XXXX borrowers who no longer demonstrate a partial financial hardship are entitled to remain in the XXXX plan, with their maximum monthly payment capped at the permanent standard XXXX amount calculated when they entered the plan. MOHELA is illegally treating my recertification as a new application and refusing to apply the federally mandated cap.

Company response to consumer: Untimely response