vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I am filing a complaint to Mountain Land Collections. I have been disputing this debt as it is not something that I recognize. The only thing during this time I can think of was when my wife was doing her XXXXXXXX XXXX However, all of this was taken care of through our insurance and assistance programs/financial assistance from the hospital where our bills were adjusted. I have asked for validation from Mountain Land and have received nothing. I don't know what services they are claiming I owe and there is no way to validate any of this without breaking HIPPA laws. I ask this be sent to the original creditor so I can appropriately have a conversation about the services rendered, the billing, and transparency but will not be discussing this with a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
They are trying to collect a debt that I do not owe, because I have already cancelled at the gym by physically going there and cancelling it. SInce I stopped receiving weekly updates on emails from the gym, I thought I was good. I kept receving missing payments and I tried contacting them multiple times but they never responded or picked up the phone now they have sent me to a debt collector that threaten that it would hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SANTANDER HOLDINGS USA, INC.
State: NH

Complaint narrative:
When I first contacted Santander to report financial hardship, I was told there was no hardship program available, but that I could pay whatever I could afford. Based on that guidance, I made partial payments. After late fees were assessed, I called again and was told that the previous information was incorrect. The next representative again stated there was no hardship program and no assistance available.

I made multiple attempts over time to seek assistance, and each representative provided different and conflicting information. Because I was repeatedly told there were no hardship options and no way to reduce or modify my payments, I eventually fell further behind. During this time, late fees and interest continued to accumulate. 

Over a month ago, after I had already been past due for several months, I was finally told that hardship programs do exist, but that I did not qualify. After pressing for clarification, I was told I would only qualify if I agreed to a higher monthly payment, which I can not afford. I was informed the program terms would not take effect until I received a written notice, signed it, and returned it. I was also told I could not miss more than two payments under the arrangement.

I never received the written notice. I called again and was told it would be resent. After waiting several weeks and receiving nothing, I called back again. At that point, I was told they could not send the notice and that the hardship plan had already been put into effect without my written signature or agreement. I was further told they could not provide anything in writing outlining the terms of what I had agreed to,
and that I was expected to rely on what was explained verbally over the phone.

When I requested that the plan be reset because I had waited for the written documentation as instructed, my request was denied. I have consistently attempted to resolve this matter in good faith, but I have received inconsistent information, no written documentation of terms, and no meaningful assistance.

The repeated misinformation, lack of written confirmation, and continued accumulation of fees and interest have significantly worsened an already difficult financial hardship. Other financial institutions have been willing to work with me during this time ; Santander has not.

I am requesting : Written documentation of any hardship plan Removal of late fees and interest that resulted from misinformation A fair and affordable hardship arrangement

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 2026-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Federal student loan of {$9700.00} was opened using my SSN via NELNET, which is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am submitting a complaint regarding my mortgage company PHH mortgage services llc reporting a late payment on my account.

I do not have any records showing that I missed or made a late payment. I have consistently paid my mortgage in good faith and I am requesting that the company provide clear documentation showing that a payment was in fact late. 

Specifically, I am requesting written confirmation of : the payment due date, the date my payment was received, the date it was posted to my account, and the applicable grace period. 

At this time, I have not been provided sufficient proof to support the late payment being reported. 

I am requesting that the company either substantiate the late payment with proper documentation or correct and remove the negative reporting. 

This issue is negatively affecting my credit and financial standing and I am seeking a fair and timely resolution. 



XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Exeter Finance, LLC.
State: KS

Complaint narrative:
On XXXX  XXXX, 2026. I wrote to the company to which I financed my vehicle from to reduce my 29 % APR. I pay {$460.00} a month and only {$100.00} and less go towards the principal of the loan. I had let them know that I am an active duty service member and I attempted to us the SCRA, but to no avail i was denied, because of my military service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am extremely frustrated that inaccurate late payments are still appearing on my credit reports this morning, and I can not understand why they remain. Even after refreshing my browser, the inaccurate late payments were not removed. I need this matter reviewed immediately and the documents I submitted examined carefully so I can finally stop worrying about this ongoing issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
Re XXXX XXXX XXXX Savings Account : XXXX XXXX XXXX XXXX  SOFI Checking Account : XXXX XXXX XXXX XXXX My legal counsel has instructed that I file in writing with Sofi the recent events regarding 9 fraudulent transactions affecting my SOFI savings and checking accounts. These events have been previously reported by me by numerous phone calls to various SOFI departments beginning XXXX and again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX upon my discovery of fraudulent bill paying transactions and account transfers which occurred on XXXXXXXX XXXX XXXX XXXX XXXX XXXX  An IC3 complaint has been filed online with the DOJ/FBI by me dated XX/XX/year>. 

History of Account Fraud XXXX XXXX Bill pays to bogus XXXX XXXX Account totaling {$13000.00} for XXXX, XXXX and XXXX each. 

XX/XX/year> and XXXX XXXX incoming account transfers from my linked XXXXXXXX XXXX  account for {$30000.00} and {$5000.00} each. These requests were initiated from within the compromised SOFI account which was linked to my XXXX Account. 
XX/XX/XXXX, XXXX XXXX Additional Fraudulent bill pays totaling additional {$12000.00} : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX and XXXX. These fraudulent transactions totaling {$26000.00} were after SOFI released the restriction on my accounts despite earlier reports of fraudulent transactions and ongoing nature of illegal account access by criminals. 

So again, this is not the first report of the above bank account ( s ) fraud filed by me. I am hopeful of the quickest possible resolution to this egregious breach of trust and that I am made whole by SOFI for these illegal, fraudulent transactions as soon as humanly possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I called USAA 2 days in a row, XXXX & XXXX to alert them of a XXXX settlement check I had coming. On both phone calls I was assured I wouldn't have any issues because their check deposit limit is XXXX. I deposit the check on the XXXX post phone call number XXXX. This morning is where the issues began for me. It started with my debit card being restricted, attempted to make transaction around XXXX. Fraud dept opens @ XXXX EST. I wait until XXXX and call the fraud dept they question me about transactions and ask about the check. I confirm all transactions and explain the check so they un-restrict my debit card. Later this same morning at food lion card gets declined. Log onto to online banking and now it says account restricted. I'm automatically transferred to member protection where i speak with XXXX and the phone call ended shortly after XXXX pm today XXXX. XXXX states she can't give me a reason why its under review. XXXX states she can't tell me how long this process could take. I ask XXXX " so this process could take a year? '' XXXX replies she cant give me that information. I ask XXXX is there anyone that can tell me what the process consists of, how long it would take and what the restriction and review is for. XXXX says NO.

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 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I had called, because supposedly they receive email. When I called them, I asked if they can lower my payment due to financial difficult. and they say, they couldn't lower it because, I was not qualify. 
I don't remember when I called them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I requested validation of debt XX/XX/XXXX which wasn't accurately validated. Full of inaccurate information at same time I requested no further active debt collection practices till verified which didn't stop. No accurate verification of debts owed etc. I then sent cease and desist and request to stop harassment by constantly calling, texting and emailing me on XX/XX/XXXX. The company still continues to call text and email and they are in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Nelnet student loans. 
The amount of XXXX dollars date open XX/XX/XXXX The amount of XXXX dollars date open XX/XX/XXXX The amount of XXXX dollars date open XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
In XX/XX/XXXX, I discovered a pattern of unauthorized electronic fund transfers ( EFTs ) and debit card transactions on my Navy Federal Credit Union ( NFCU ) accounts totaling approximately {$40000.00}. I immediately reported the errors to NFCU and filed disputes under multiple internal case numbers ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XXXX 

Despite timely notice and the submission of supporting documentation, NFCU denied my disputes. NFCU failed to provide the written explanation and investigation materials required under Regulation E ( 12 CFR 1005.11 ) and improperly concluded that my account was not in error. NFCU relied on internal proprietary tools and merchant history rationale rather than conducting a reasonable investigation. 

Law enforcement subsequently obtained sufficient evidence to secure an arrest warrant in XXXX XXXX XXXX # XXXX. The perpetrator, XXXX XXXX, was arrested and admitted to possessing and using my debit card ending in # XXXX without authorization. This objective criminal evidence confirms that the transactions were unauthorized. 

Despite this evidence, NFCU maintained its denial and transferred the disputed balance to XXXX. XXXX XXXX XXXX ( XXXX. XXXX ). As of XX/XX/XXXX, this debt collector is demanding {$41000.00} for an account number ending in XXXX. As a direct result of NFCUs wrongful denial, my financial situation has reached a state of catastrophic collapse : XXXX Mortgage Foreclosure Risk : My XXXX Mortgage statement dated XX/XX/XXXX, reflects a total amount due of {$84000.00}. 


Delinquency Notice : My mortgage account currently carries a past-due balance of {$79000.00}. 


Foreclosure Warning : On XX/XX/XXXX, I received XXXX VA Mortgage Assistance Notice stating the account is delinquent and that the lender has the right to invoke foreclosure based on the mortgage contract. 
XXXX Utility Disconnection : I received a XXXX XXXX Final Notice on XX/XX/XXXX, for a total amount due of {$970.00}. The notice stated that if the past-due amount was not received by XX/XX/XXXX, service was scheduled for disconnection.

+2 NFCUs actions violate : 12 CFR 1005.11 : Failure to conduct a reasonable investigation and provide required written explanation.

12 CFR 1005.6 : Exceeding consumer liability limits for unauthorized transfers.

15 U.S.C. 1693f ( e ) : Liability for treble damages for knowingly and willfully concluding an account was not in error despite objective evidence.

15 U.S.C. 1693m : Statutory damages.

This denial has caused irreparable harm to me, a veteran business owner operating XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.

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 2026-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
I am filing a follow-up complaint regarding the companys prior CFPB response XXXX 

In their official response, the company reported monetary relief in the amount of {$920.00} and stated that my account had been closed. 

After requesting confirmation of refund disbursement, I received written communication from the company stating that no refund would be processed and that all payments were valid. 

This directly contradicts the monetary relief previously reported to the CFPB. I have not received any refund payment beyond a provisional bank credit issued through a separate dispute. 

I am requesting regulatory review of this discrepancy and confirmation of whether the monetary relief reported was actually provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Request for Full Discharge of XXXX XXXX Due to XXXX  Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by XXXX  due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. 
XXXX  misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, XXXX a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which XXXX  has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). XXXX  conduct has caused me significant financial harm, mental distress, and a longterm burden that could have been avoided with honest and fair guidance. As a borrower who relied on Navient advice and entrusted them to manage my XXXX XXXX be fully forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I originally requested discontinuing PMI on my home loan in XXXX of XXXX. My mortgage company, BSI financial services, has this letter on file. 

I was told that PMI could not be discontinued until reaching 80 % loan to value. 

I called numerous times in XXXX of XXXX to verify that I had passed this threshold and that I wanted to discontinue PMI. Agents informed me I had reached 79.6 % amortization and assured me that PMI would be dropped. 

I received an Escrow disclosure form last month, XX/XX/XXXX, showing PMI was never dropped and that it was still scheduled to continue into XXXX of this year. 

I called and asked BSI why this happened and they said they had never received a letter from me to discontinue PMI. When I asked about the letter they had on file, they claimed that it could not be used and I needed to submit a new letter. 

They intended to charge me nearly {$1000.00} extra even though they acknowledged that I had already submitted a written request which they still have on file and acknowledged that I had already passed the threshold in XXXX of last year. 

This is nothing less than exploitative business practices labeled as bureaucracy and is totally unfair to middle-class, first-time homeowners with families like me. They intentionally make this process difficult to navigate and use ridiculous rules to extract more money from their clients when they know very well that their clients wish to discontinue extraneous payments like PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute SoFis handling of multiple fraudulent charges on my account and to request a full review of my case. 

Over a span of approximately XXXX days, a company identified as XXXX withdrew over {$3500.00} from my account without my authorization. I have never done business with this company, have no accounts with them, have never purchased anything from them, and have XXXX affiliation with them in any capacity. I have never given anyone permission to use my card or access my account. These transactions were not made by me and are clearly fraudulent. 

I promptly contacted SoFi to report the unauthorized charges and filed a dispute. Instead of protecting my account or assisting me in recovering my funds, SoFi informed me that : My dispute was denied based on unspecified information obtained from the merchant. 

They would not provide me with the information they claim to have received. 

My account would be closed as a result. 

It is extremely concerning that XXXX claims to have obtained information from a merchant I have never interacted with, yet refuses to disclose what that information is or how it justifies denying my dispute. This lack of transparency directly prevents me from understanding or challenging the basis of their decision.

I am requesting : A full explanation of the evidence SoFi relied upon to deny my dispute.

A reversal of the fraudulent charges totaling over {$3500.00}.

A reopening or reconsideration of my account status, as closing my account while denying my dispute is punitive and unjustified.

A written record of all communications and determinations made regarding this dispute.

As a consumer, I have the right to dispute unauthorized transactions and to receive a fair, transparent investigation. SoFis actions have denied me access to my own funds and have failed to provide the protections that financial institutions are obligated to uphold. 

I expect a timely and thorough response

Company response to consumer: Closed with explanation