vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 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: Credit Karma, LLC
State: VA

Complaint narrative:
I applied for a loan through Credit Karma. It stated that the offer was guaranteed so that if the lender did not approve the offer or changed it in any way that was not an improvement, they would pay me {$50.00}. I have had instances in the past where they never honored this guarantee, so I took a screen shot on my phone of the original offer as well as the screen that came from the lender, denying the offer. I submitted this to Credit Karma. However, they are saying they will not honor their guarantee unless the lender sends documentation to them or to me. However, the lender has not done so, and I have no ability to force the lender to do so. The screenshot I have provided gives all the information they have requested, but they are saying it is not sufficient because it is not an actual printed document that I can submit to them. This creates an impossible condition for their guarantee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Send an appeal letter XXXX stating HUD said i qualify for a modification, mortgage company said will respond XXXX but sale date XXXX? why? HUD said can modifify 40 years payment with impounds would be {$1200.00} at my NOTE INTEREST RATE PER RESPA can not increase rate is note rate not REFINANCING AT MARKET RATE! Sent in modfication XXXX XXXX XXXX XXXX and still sale date done before 30 day sale per California laws, i can not refinance due to being late get letters saying will help but nothing! IM BEING DISCRIMATED AGAINST DUE TO BEING XXXX AMERICAN! There is a lot of equity and no reason for loan modificaiton! Need to OMBUDSMAN department due to being discrimate against! Already talked to a XXXX trustee said modification forms are there!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: LA

Complaint narrative:
I received a collection letter for an alleged debt I owed from a medical provider, with no descriptions of services. On XX/XX/year> I sent this company a letter via certified mail, requesting they validate this debt and provide more information, and to only communicate via writing. This was received by the company XX/XX/year>. Since then they have attempted to call me on XX/XX/year> and sent text message on XX/XX/year>. I additionally then sent them a cease & desist request due to the failure to validate on XX/XX/year>. They sent another text on XX/XX/year>. This debt remains invalidated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I moved out of an apartment managed by the original creditor and returned my keys. I was told nothing further was owed and received no bill, itemized statement, or notice of any outstanding balance from the original creditor at any time after move-out. On XX/XX/year>, I received a collection letter from the company for {$290.00}. The letter contained no itemization of the alleged debt, no breakdown of charges, and no documentation supporting the balance. The letter consisted almost entirely of payment instructions. That same day, XX/XX/year>, I sent a formal debt validation request via email to two of the company 's email addresses. In that request, I asked for an itemized breakdown of the {$290.00} balance, the name and address of the original creditor, documentation establishing the alleged debt, and proof that the company is licensed to collect debts in Virginia. I also requested that all collection activity cease until the debt was validated, as required by the FDCPA. As of today, more than two weeks have passed and the company has not responded to my validation request, has not provided any of the requested information, and has not ceased collection activity. Separately, I attempted to resolve this directly with the original creditor. On XX/XX/year>, a leasing office staff member verbally acknowledged that ( 1 ) the alleged debt was for delayed water and sewage charges, ( 2 ) the account should not have been sent to collections, and ( 3 ) this same issue has affected multiple other tenants at the property. Despite this acknowledgment, no itemized statement has been provided, and the original creditor has not recalled the debt from the collection company. Instead, I was instructed to pay the collection company directly, which would result in a 'paid collection ' notation on my credit report for up to seven years. I am filing this complaint because the collection company provided a deficient initial communication, has not responded to my timely written debt validation request, and continues collection activity without validating the alleged debt as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
As I was about to pay for somethings for my upcoming trip I checked my account & realized I was missing a lot of money from my account. XXXX is gone & all I was left with is XXXX dollars. First thing I do I call TD bank to dispute it .. they tell me 5-7 I should receive provisional credit.. I didnt I called everyday since the XXXX.. I call again on the XXXX to find out my first case # XXXX was denied @ XXXX XXXX I was told from fraud specialist without anyone alerting me on the phone or anything. XXXX from TD in XXXX XXXX nj was the one that informed me so she helped open another case. I keep being told because the card information and address matched on these purchases but my card was never physically there if TD would stop being lazy & check IP addresses they would see I was never present at those locations. I'm having financial hardships & cant pay my bill due to TD not trying to help a client that been with them for 6 years & never experienced this .. it kind disheartening to see that TD representative is mri even trying to help. Im confused on how these charges went through and not one fraud text or fraud alert text my phone stating anything nor asking if I purchased these things.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-26 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: FL

Complaint narrative:
On XX/XX/year>, I used the Capital One XXXX XXXX XXXX to purchase XXXX XXXX at XXXX XXXX XXXX for {$100.00}. Prior to the purchase, I activated a targeted promotional offer clearly displayed by the extension for " up to 31.5 % in rewards. '' This should have resulted in a credit of {$34.00}. However, the system only credited me {$4.00} ( approx. 3.85 % ). I have screenshots proving the 31.5 % offer was active at the time of purchase, as well as the receipt and shopping trip log. I have attempted to resolve this through Capital One XXXX customer support, but they have stalled my request for over 6 business days after claiming to escalate it to a supervisor. This is a deceptive bait-and-switch advertising practice. Furthermore, my household holds an active credit card account with Capital One. It is incredibly disappointing to see a financial institution we actively do business with utilize these kinds of deceptive tactics. I expect this to be resolved immediately to maintain our banking relationship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: NY

Complaint narrative:
On the period of XX/XX/XXXX, my account was reported as a late payment and my credit score subsequently decreased. My account is set to autopay, and shows unencumbered payments of $ XXXX on the XXXX of every month for this entire year. My statement also reflects that my outstanding balance as of XX/XX/XXXX reflected my payment for that month. My credit has now decreased and I demand that this is immediately rectified to show that my account not delinquent or late in any capacity. Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
b"From: XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXVia Certified Mail\n\nRe: Validation\nTo Whom it May Concern:\nThis letter is in response to your contact by e-mail on XXXX XXXX XXXX about the alleged rental debt\nyou have identified. This is neither an acknowledgement of debt or a refusal to pay, but a notice\nto request validation.\nUnder the Fair Debt Collections Practices Act (FDCPA), I am entitled to request validation of the\ndebt that you allege is due to you. This is not a request to verify the debt but rather a request for\nyou to provide complete and competent evidence of my contractual obligation to provide payment\nto you.\nYou must provide the following alleged information to me within thirty (30) days from your receipt\nof this letter.\n1. Creditor's name and full address\n2. Name of debtor of record\n3. Full account number of debt\n4. Amount of debt\n5. Due date of debt\n6. Original charge off or delinquency date\n7. Explanation of how the debt was calculated\n8. Name of collection agency or owner of debt, if applicable\n1 / 2\n9. Completed and executed agreement, including signature pages, for the debt\nPursuant to my rights under the FDCPA, I will be ignoring any future collection attempts until you\nverify that this debt is mine.\nThank you for your consideration.\nSincerely,\n__XXXX XXXX_____ [Signature]\nXXXX XXXX"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Starting on XX/XX/XXXX. I have been unable to send money using our nonprofit 's paypal account. I have called 7 different people during that time. Finally I was transferred to the security department who stated that this hold was in place for " safety and security reasons. '' They stated that normally these issues resolve on their own. They said that they usually can override them. In this case, the representative stated that he was unsure why it has not resolved. He also said the " system '' is not allowing him to override it. When I asked how to resolve this, he could not give me an answer. He simply repeated, " I do not have access to this information. '' When I asked who I could be transferred to who could help, he reported that there was no one else who could help me. It is now XX/XX/year>, and I am unable to use this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I lost my job in XXXX of XXXX. When I regained employment a few months later I was falling behind already on many obligations. The new job pays half of what I used to earn for many years. The credit card was maxed out at {$10000.00}. I did not pay anything in XXXX, XXXX or XXXX of XXXX. In XXXX of XXXX I missed the payment due date ( XX/XX/XXXX ). On XX/XX/XXXX I made a partial payment of {$50.00}. I was unable to pay anything XXXX or XXXX of XXXX. XX/XX/XXXX, I sent a partial payment of {$25.00}. This entire time, I'm barely chipping away at late fees and accrued interest of course. XX/XX/XXXX of XXXX, I used my entire tax refund and made a payment of {$2700.00}. As of today, XX/XX/XXXX when I log into the app, it shows the balance is now {$9900.00}. It shows my payment due is {$340.00} and it's due XX/XX/XXXX of XXXX. It also says my credit limit is {$10000.00} My available credit is {$0.00}. I called them on XX/XX/XXXX and I was told my account was closed. I have received e-mails from them, offering to help me with payment plans before any action was taken. I have received zero correspondence that my account was closed, sent to collections, etc. There is no indication on the app that the account is closed. in fact, when I click on the available balance info icon - a message appears " at ____ discretion, availability of funds may be delayed to ensure any payments received have cleared ''. This is a major misrepresentation of my account status. As a military veteran, single father of XXXX children who is working diligently to take care of my obligations, I would have not prioritized a closed account above others that need my attention. At this time I want to pay down my debts but I also need available funds since my income is not stable and I need to be sure my car, rent and groceries are taken care of. What is displayed on my app is essentially manipulative and deceptive. I do understand their reasons for closing the account. I do not understand why they lacked the integrity to tell me before I sent them money I need in case of emergency.

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 2026-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MD

Complaint narrative:
Observing through my credit score reports in my emails that my loan balance continue to increase dramatically despite making regular payments since graduation. It's affecting my credit scores and I can not seem to apply for public service forgiveness despite being an XXXX and now XXXX for the past 14 years for 2 large hospital systems ( XXXX XXXX and now XXXX XXXX XXXX ).

Company response to consumer: Untimely response
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: OR

Complaint narrative:
I received a notice in my email account thanking me for the New Application for a XXXX checking account. I did not request a New XXXX Checking account with US Bank. Thank you for your application. Inbox XXXX Sat, XXXX XXXX, XXXX ( XXXX hours ago ) to me If this wasn't you, let us know right away. XXXX Bank XXXX in Thank you for applying for a U.S. Bank XXXX Checking. We received your application on XX/XX/year>. Your application ID is XXXX. Were in the process of reviewing your application and will notify you as soon as its complete. If you didnt authorize this request, please call us right away at XXXX ( XXXX ). Thank you for choosing U.S. 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 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX, I made a purchase totaling {$720.00}. The merchant issued refunds of {$73.00} and {$36.00} on XX/XX/XXXX, totaling {$100.00}. These refunds were confirmed and I provided proof, including email documentation sent to PayPal on XX/XX/XXXX. PayPal has acknowledged receipt of this documentation. However, my account balance does not reflect these refunds correctly. The balance should be {$0.00}, but it remains inaccurate due to a billing error. I contacted PayPal multiple times and spoke with a manager. Despite acknowledging the documents, they stated the review could take up to 60 days and have not corrected the balance. This delay is causing ongoing financial harm. The incorrect balance is negatively impacting my credit profile and limiting my ability to obtain a personal loan at a reasonable rate. I need this loan for urgent home repairs ( siding damage causing pest issues ). I previously filed a complaint ( Case # XXXX ), but the issue remains unresolved. I am requesting : Immediate correction of my account balance to {$0.00} Immediate update to all credit bureaus Confirmation that no negative credit reporting will remain This is a confirmed billing error, and further delay is causing unnecessary financial damage.

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 monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I notified coinbase when I received a suspicious email. Coinbase said it may have been a phishing scam and suggested I lock my account. I locked my account however four days later while my account was locked coinbase transferred all of my money to some hackers. I have tried repeatedly to get information from coinbase but they have refused to tell me who gained access to my account. I contacted law enforcement and all they got from coinbase was an IP address out of XXXX XXXX XXXX in FL. I dont know anyone in XXXX XXXX XXXX and have never been there nor did I give anyone access to my account while it was locked. I also never unlocked my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had a fraudulent transfer in the amount of {$1900.00} took out of my account on XX/XX/2026. I called and reported it once I noticed the transaction. Bank of America denied my fraud claim. Never gave an explanation on why they denied claim. Once I asked to speak to the underwriter that denied my claim I was denied that 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
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I am submitting this complaint against Caine & Weiner regarding a debt they claim I owe to XXXX in the amount of {$440.00}. I previously disputed this debt and requested full validation including proof of authorization to collect, a copy of the original signed agreement, and an itemized account balance. The company failed to provide proper validation of this debt. Despite this, the account continues to be reported on my credit file as a collection. I am requesting this account be immediately deleted from all credit bureaus as the debt has not been properly validated as required under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC

Complaint narrative:
In XX/XX/XXXX, my spouse and I paid off our mortgage serviced by Rushmore Servicing. In XX/XX/XXXX, XXXX confirmed in writing that a refund of {$2600.00} was owed to us. Since that time, XXXX has acknowledged in writing multiple times that this refund is owed. However, they have repeatedly failed to remit payment. XXXX initially stated that a check would be mailed. No check was received. They then stated that the check would be reissued multiple times. No replacement checks were received. In XX/XX/XXXX, I submitted CFPB complaint XXXX. In response, XXXX stated that they could process the refund via electronic transfer if I provided a void check. I provided a void check on XX/XX/XXXX. XXXX later stated that the void check did not meet their requirements and requested a revised check including both account holders names. I promptly provided a corrected void check that fully complied with their stated requirements. Since providing the corrected documentation, XXXX has : Not confirmed receipt of the corrected void check Not processed the electronic transfer Not provided any explanation for the delay Not responded to multiple follow-up emails In addition, Rushmore has failed to provide functional communication channels : The email address they instructed me to use ( XXXX ) is not reliable and/or does not result in responses. Other XXXX email channels used ( including XXXX, XXXX and XXXX ) have not resulted in any response Rushmore correspondence indicates certain inboxes are not monitored, further limiting the ability to resolve the issue The only phone number provided is a toll-free number that can not be accessed from XXXX ( XXXX I live ), and no alternative international contact number has been provided XXXX has XXXX in writing that these funds are owed but has failed to remit them. Continued delay may constitute improper retention of borrower funds and a mortgage servicing violation. This complaint is not a duplicate. It addresses ongoing non-payment despite full compliance with XXXX requirements, as well as XXXX failure to provide functional means of communication to resolve the issue. Prior complaints were closed without resolution and without payment being made. This matter has now been outstanding for approximately XXXX months since the refund was first acknowledged. I am requesting that this complaint remain open until I confirm payment has been received.

Company response to consumer: Closed with explanation