vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am a proactive professional who diligently manages my finances. Aidvantage completely failed to provide legally mandated billing disclosures, statements, or any form of communication indicating my account status changed or that a payment was due following recent federal repayment plan transitions. Because of this total communication failure, {$1100.00} in daily interest quietly accumulated without my knowledge. The moment I discovered the balance on the portal, I immediately paid {$1400.00} out of pocket to bring the account current and enrolled in Auto-Pay. I suffered direct financial damage because of this servicer blackout. I demand that Aidvantage immediately remove the inaccurate negative delinquency marks from all three of my credit bureau reports. Beyond that, of the {$1400.00} I paid to bring my account current, only {$220.00} went to principal whereas the rest went to Interest. The rhetoric around student loan repayments has been incredibly confusing and difficult to interpret, and Aidvantage stands to benefit as interest accumulates on these loans, and credit reports of everyday college educated working Americans stand to be tarnished. I am extremely disappointed and incredibly upset by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I recently reviewed my credit reports and discovered multiple accounts, collections, late payments, inquiries, and other negative information that I do not recognize or believe were authorized by me. I also found inaccurate personal information associated with my credit file, including incorrect names, phone numbers, addresses, and employment information. Some of the accounts appear to have been opened or reported between XXXX and XXXX without my knowledge or consent. I attempted to dispute several of these items directly with the credit bureaus after discovering the inaccuracies. Despite my disputes, many of the negative items continued reporting without sufficient documentation being provided to me proving the accounts belong to me. I am requesting a full investigation into the unauthorized and inaccurate information appearing on my consumer reports. The inaccurate information includes collections, charge-offs, late payments, auto loan/repossessions, and hard inquiries that have negatively affected my credit standing. I am requesting that any information that can not be properly verified be removed in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
XXXX XXXX sent a {$270.00} collection to Radius Global Solutions for unreturned equipment from XXXX, even though I returned the modem/router box to a XXXX store XXXX XXXX, AZ when I canceled service and moved. On my recent call with XXXX, the representative located my old account using my security question, confirmed there is no pending equipment return in their system, but still referred me to Radius instead of recalling the debt. This is a common XXXX tracking error. I have disputed the account with the credit bureaus and sent a formal debt validation letter to Radius. The collection is inaccurate and continues to harm my credit.

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 non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding an installment loan issued by Advance America and a misdirected ACH deposit that was sent to the wrong bank account. After being approved for a loan, the funds were deposited into a bank account that was not mine due to an account number error. I immediately contacted Advance America as soon as I realized the funds had not been received in my actual account. I then contacted my bank, XXXX, and was informed that the ACH deposit had successfully posted to another existing account with a similar account number. XXXX explained that they were only the receiving institution and that the sender would need to initiate any recovery or trace process. I later connected representatives from both XXXX and Advance America together on a three-way call so the situation could be explained directly between both parties. An Advance America representative later informed me that the matter had been escalated to leadership and that a Department of Treasury/ACH trace ticket was being worked on. I was specifically told by an agent that I would not be responsible for repayment of the loan since I never actually received the proceeds. Shortly afterward, my online dashboard showed the loan as voided, and I was given the option to apply for a new loan and update my banking information. Based on the information provided to me and the voided status reflected in the system, I reasonably believed the original loan had been cancelled and resolved. That is the only reason I proceeded with applying for a second loan. However, after receiving the second loan, I was later contacted and told that the original loan had not actually been cancelled and that I would now be responsible for repayment of both loans, despite never receiving the funds from the first loan. I was also told that Advance America did their part by sending the ACH and that they could not recover the money. I dispute responsibility for the first loan because : 1. I never received the loan proceeds. 2. I reported the issue immediately. 3. I fully cooperated with both the lender and my bank. 4. I was given conflicting information by Advance America representatives, including statements that the loan was voided and that I would not be responsible. 5. My dashboard reflected a voided/cancelled status before later changing again. 6. I only applied for the second loan because the first loan appeared to be voided and resolved in the companys own system. I am requesting a formal review of this matter, including investigation of the ACH deposit, the conflicting information provided by company representatives, and the attempt to hold me responsible for funds that were deposited into an unintended third-party account and never received by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
The furnisher stated that XXXX denied the claim associated with this alleged debt. However, after contacting XXXX directly and reviewing my official claims history, XXXX has no record of any submitted or processed claim for XXXX XXXX XXXX or the referenced dates of service in XX/XX/year>. Ive spoken to the supervisor of the XXXX claims department and was assured several times nothing was submitted. Attached is my XXXX claims history showing processed claims for other dates/providers, but no claim related to this alleged ambulance transport. Because the collection account is being reported as insurance-denied despite the apparent absence of any submitted claim, I dispute the accuracy of this reporting and request competent evidence of : * Actual claim submission to XXXX * Claim acceptance/rejection records * Claim number or trace ID * Explanation of Benefits ( EOB ) or denial documentation * Any adjudication records supporting the reported denial If this matter continues to be inaccurately reported without proper validation or supporting documentation, I will consider pursuing additional remedies available under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
After I file an inquiry regarding option to reverse a crypto transaction the company decided to restrict my account and prevent me from getting access to my funds with no reasonable explanation. On XX/XX/XXXX I performed 2 transactions with XXXX end since I didn't get what I was promised I was inquire with Kraken if there's any way to locate the receiver had to file a complaint, in exchange for that the company decided to put sanction on my account and to restrict access into my electronic assets, I've been trying to contact the company through emails and through social media since they don't have any option to call customer service and all I'm getting is bogus answer and no reasonable explanation why they're holding my funds, in one of the e-mail they want me to respond with some statement that basically said that my account is safe and everything is OK and I have no problem activate my account, and I did it I did it many times and today is still XX/XX/XXXX and my account is still frozen and I can not get access to my account and it feel like they're holding me bullied and there's nobody to talk to, I'm asking the CFPB to ask this company to release my account and give me the option to use my crypto because it's belong to me and also because I did not did any violation that justified this type of bully

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 2026-05-20 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I submitted a certified letter to Midland Credit Management on XX/XX/year> requesting validation of the alleged debt and demanding that all collection efforts cease until proper validation was provided. Instead of validating the debt, I received correspondence stating that they intended to contact an attorney and pursue legal action regarding a debt they have not verified or proven they legally own. I am also enclosing letter that was sent to them via certified mail, along with a copy of the receipt from post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I recently reviewed my credit reports and discovered multiple accounts, collections, late payments, inquiries, and other negative information that I do not recognize or believe were authorized by me. I also found inaccurate personal information associated with my credit file, including incorrect names, phone numbers, addresses, and employment information. Some of the accounts appear to have been opened or reported between XXXX and XXXX without my knowledge or consent. I attempted to dispute several of these items directly with the credit bureaus after discovering the inaccuracies. Despite my disputes, many of the negative items continued reporting without sufficient documentation being provided to me proving the accounts belong to me. I am requesting a full investigation into the unauthorized and inaccurate information appearing on my consumer reports. The inaccurate information includes collections, charge-offs, late payments, auto loan/repossessions, and hard inquiries that have negatively affected my credit standing. I am requesting that any information that can not be properly verified be removed in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: BANK OZK
State: NC

Complaint narrative:
I currently have a real estate mortgage ( loan ) with Bank OZK. I have under contract to sell my real estate ( investment model home ) and received a payoff letter ( XX/XX/XXXX ) from the bank indicating that there is an additional {$24000.00} on top of the principal that I owe. I am NOT in default and there is NO prepayment penalty on this 5 year note, of which we are in year 4. The interest, as typically prorated, should be based on my monthly payment ; {$1800.00} and the days from last payment ( XX/XX/XXXX ) to closing date ( XX/XX/XXXX ) which are a total of 24 days. So, in short, it should amount to less than {$1200.00} in additional interest, certainly NOT $ XXXX. I have requested from the bank, since last XXXX, XX/XX/XXXX, to give me an explanation and copy of my contract ( Promissory note ). They finally sent me a copy of the note today ( XX/XX/XXXX ) and there is no indication of any prepayment penalty. Yet, they still, as of XX/XX/XXXX NOT provided an explanation to the payoff letter interest that they so quickly calculated initially. I would also like to add that they would not give the closing attorney the payoff document but opted to send it to me to which I had to send to closing attorney. Closing attorney and my previous experience in multiple real estate transactions have never run into a situation where the bank wouldn't give payoff letter to the attorney. This was 1st red flag. My complaint is with OZK Bank for inappropriate and illegal addition of interest on a payoff of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Summary of complaint : In XX/XX/XXXX, I financed a solar installation through GoodLeap for approximately {$28000.00}. GoodLeap disbursed the funds directly to the installer. The installer never completed the installation. There was never a final inspection or permit closure with the XXXX XXXX XXXXXXXX- the permit approved on XX/XX/XXXX remains open/expired due to non-performance. The system is not operational and I have not received the equipment I paid for. I contacted the installer multiple times with no response. On XX/XX/XXXX, I sent a certified mail dispute letter to GoodLeap explaining the situation and requesting cancellation of the loan and refund. GoodLeap replied with a generic email stating I should contact the installer. The installer is no longer responsive and appears to no longer be operating. I am currently paying a loan for equipment I do not have and service that was never provided. The XXXXXXXX XXXX XXXXXXXX permit status confirms no work was completed. What I want : Cancellation of the loan and removal of any negative credit reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WA

Complaint narrative:
On XX/XX/XXXX I conducted research regarding my student loans and the Loan Buyback option under PSLF as I am at XXXX of XXXX qualifying payments and had my loans not been in deferment due to the court ordered injunction to stop the SAVE plan, I would have met my 120 qualifying payments with certification to qualify for PSLF. I have not received any communication to date ( XX/XX/XXXX ) regarding the status. I filed a claim with XXXX XXXX XXXX on XX/XX/XXXX requesting an update on the PSLF BuyBack option I had applied for. On XX/XX/XXXX I received a generic response from the US Department of Education/XXXX XXXX XXXX stating my case number for my request to process my application for the buyback option. The response stated that my request submitted XX/XX/XXXX has been escalated but they could not assist within my inquiry regarding the status of the buyback option. They further stated that the reconsideration requests are taking longer than anticipated and that there is a backlog. It has been 7 months since I submitted my application for the buyback option.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I am filing a complaint regarding a refinance loan issued by Mariner Finance , LLC on or about XX/XX/2023, which I believe constitutes an unfair and deceptive lending practice. At the time of the transaction, my existing loan balance was approximately {$13000.00}. I was placed into a refinance loan with an amount financed of approximately {$13000.00}. Despite entering into a new multi-year obligation, I received only {$1.00} in proceeds from this refinance. This transaction provided no tangible financial benefit to me. Instead, it restarted the loan term and imposed approximately {$9100.00} in new finance charges, resulting in total payments of approximately {$22000.00}. In effect, this refinance significantly increased the cost of my debt without providing any meaningful value. I believe this transaction was structured primarily to generate additional interest and extend the duration of indebtedness, rather than to benefit me as the borrower. This raises serious concerns under the XXXX Consumer Fraud and Deceptive Business Practices Act and potentially the Truth in Lending Act, particularly regarding whether the true economic impact of the transaction was clearly and meaningfully disclosed. I previously sent a formal written demand to Mariner Finance outlining these concerns and requesting : * Cancellation of the refinance loan * Release of any lien on my vehicle * A full accounting of the transaction Mariner Finance failed to address the substance of my complaint. Their response was limited to a statement that credit reporting was accurate, which does not respond to the issues raised. I am requesting that the CFPB require Mariner Finance to : XXXX. Provide a detailed explanation of how this refinance provided any net tangible benefit to me ; XXXX. Provide a full accounting of all amounts financed, fees, and finance charges associated with this transaction ; XXXX. Explain how this transaction complies with applicable consumer protection laws ; XXXX. Provide appropriate relief, including potential rescission or adjustment of the loan to remove improperly imposed finance charges. This appears to be a loan flipping or no-benefit refinance scenario, which has been widely recognized as a potentially abusive lending practice. I am seeking a fair resolution and a full investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Our previous bank, XXXX XXXX, recently merged with XXXX XXXX. In the process our Zelle connections got severed. I called XXXX to have them reinstated and was told all was restored on not the personal and commercial side. Then, last Tuesday, a customer paid us {$870.00} through Zelle. We got a text message saying money had been sent but that we needed to sign up. We were confused because we thought we were all set up. I called XXXX and it turns out we werent set up properly. Over the course of the next 4 days I spent many hours on the phone with XXXX customer service sorting out the tangled mess of our Zelle accounts. Finally, last Saturday, I was able to connect our commercial Zelle file with our business bank account. I immediately got a notification that a payment of {$870.00} was waiting for me, did I accept. I accepted, but nothing happened- no deposit or even a record to deposit. I spoke to my customer yesterday and confirmed they used the correct phone number and that the funds had already been taken from her account. There wasnt an option for her to cancel the payment since it had already gone through. Its now Tuesday and there isnt any note of this payment nor has the deposit been made. And neither Zelle nor my bank say they have any info. Each keeps blaming the other. I just want to get paid!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
b'On XXXX someone at my gas station was raising money for the school selling candy. I agreed to a $XXXX donation and tapped my card to pay. The terminal displayed $XXXX for the charge. They actually charged me $XXXX and fled. I filed a police report with the XXXX XXXX police department.\n\nReport # XXXX\nOfficer XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nI disputed the charge with Robinhood XXXX (credit card issuer) and was denied with only the statement could not be substantiated with the merchant and that I didnt order a new credit card. \n\nThey collected no evidence from me and I never spoke to a representative.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IN

Complaint narrative:
So I had XXXX XXXX hooked up in my home already. Well, this XXXX salesman came knocking on my door and offered me a better plan for cheaper. He told me that I could keep my current equipment, he would just change my plan. It made a whole separate account. So the first account got closed down. When I moved and I shut my XXXX account down, I didnt turn in my equipment. It went to collections and I owed {$120.00}. Some reason it showed up on my collections twice. I called XXXX and paid my debt. XXXX told me that both of my accounts were closed and at a XXXX balance. One of the collections fell off my credit after I paid. The other one is still on there. So I called XXXX again and they assured me that both accounts were at a XXXX balance that I owed them no money. So I asked them to stop reporting this to my credit. They never did and its still on there till this day. I called the collection agency and the lady just gets really mad at me because Im not paying. XXXX needs to fix this. Its been too long. The collection agency its being reported to is IC Systems

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