vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SOUTHSTATE BANK CORPORATION
State: CO

Complaint narrative:
I am filing this complaint regarding South State Bank, where I maintained a small business checking account and a south state personal checking Account. On XX/XX/XXXX at around XXXX XXXX I deposited my business tax refund check of {$200000.00} into my small business checking Account which was held for XXXX weeks before it was available to withdraw. After the funds became available, I used the account to make legitimate withdrawals, pay business bills, sort my son hospital requirements for his XXXX XXXX. On XX/XX/XXXX i went to south state bank to issue a wire transfer of {$8400.00} for the purchase of my office equipment 's which i did but the supplier refused to delivered according to agreement we had, then i asked him to refund my money ever since the money got back into my south state bank, they started frustrating XXXX out of me after providing invoice for the purchase. so i ended closing the account which was closed on XX/XX/XXXX with an available balance of {$160000.00} and requested a cashiers check for my remaining balance. When I visited the branch countess times I was told that the bank had mailed my remaining balance to the IRS. I did not authorize the bank to send my funds to the IRS, and there is no IRS levy or garnishment on my account that would justify this action. This represents an improper handling of my funds and has caused significant frustration and potential financial harm, I am requesting that South State Bank immediately correct this error and provide my remaining account balance as owed. I also request that the CFPB review this case and ensure that the bank complies with proper banking and account closure procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I think that dates are XX/XX/XXXX and XX/XX/XXXX I applied for a modification to lower my payments I have submitted the paperwork XXXX times and they keep denying saying that they couldnt verify my income and Ive been asking them what do they need to me do and they keep telling me the same thing or re apply they are not telling me what all documents I need. Im really trying to stay in my home.

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 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting a utility account on my credit report that they claim to have purchased from another company. The balance being reported appears to include incorrect or unsupported fees. I have requested validation of this debt, including the original contract or agreement with the utility provider and an itemized account history showing how the balance was calculated. LVNV Funding LLC has not provided documentation validating the debt or explaining the added fees. I also submitted disputes with XXXX and uploaded supporting documents regarding the incorrect balance and lack of validation. However, when I contacted Experian by phone to ask how the account was verified, the representative stated they could not see any record of my dispute submissions. Despite my disputes and requests for validation, the account continues to be reported and verified without the requested documentation. I believe the reported balance XXXX be inaccurate and that the debt has not been properly validated. I am requesting that the account be fully investigated and that LVNV Funding LLC provide proper documentation supporting the debt and the fees being reported, or that the inaccurate information be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
My account was in forbearance with XXXX XXXX Mohela took account XXXX IDR XXXX was approved XX/XX/XXXX monthly payment {$0.00} expires XX/XX/XXXX. Mohela report XXXX late payments to Experian credit bureau XX/XX/XXXX. How can there be ANY LATE PAYMENTS WHEN THE XXXX PLAN IS STILL IN EFFECT AND ACTIVE UNTIL XX/XX/XXXX? MOHELA lied and said they do not report late payments to the credit bureau and also they would not provide me with the login information for me to access the documents affiliated with my online account. Thank you very much Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am requesting assistance with a dispute that has caused my funds to be frozen at another bank. After my brother passed away, money was transferred to me to help pay for his funeral expenses. The transfer was legitimate and authorized, and the funds were used for that purpose. However, a dispute was later filed through Bank of America regarding that transaction. Because of this dispute, XXXX XXXX ( the receiving bank ) has restricted my account and will not release my funds while the claim remains open. I have attempted to resolve the issue through the banks involved but have not been able to get the dispute corrected or withdrawn. As a result, I currently can not access my money to pay bills and cover normal living expenses. I am requesting that Bank of America review the dispute and take the appropriate action to withdraw or correct the claim so that XXXX XXXX can release the funds being held. I am willing to provide documentation related to the transfer and the funeral expenses if needed. I appreciate your assistance in resolving this matter as soon as possible.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened a Regions checking account through the Refer-a-Friend program with my husband and never received the advertised {$50.00} bonus. I believe the issue may have been that my mailing address was originally missing my apartment number. I contacted Regions twice about this, both by phone and in person with a branch manager. I was told a new card would be sent and that the issue would be fixed, but nothing was ever resolved. Could someone please review this and help correct it?

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 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Was advised by Dentist to use CareCredit because of XXXX XXXX interest rates, signed up with Carecredit for the service as I was in need of serious medical treatments. Was laid off my job and denied my ability to file for the payment security when I paid for the service back in XXXX of XXXX. Then found out just today ( XX/XX/XXXX ) after finally getting access back to my account that I went from a balance of around XXXX to XXXX which exceeds the the credit limit that was ever issued. I'm not sure what or how it managed to double. I'm set on XXXX payments and the system should have been scheduling the automatic payments to meet the requirements set forth in the terms. I have clear payment records showing that all payments were drafted from my account. However it appears that their payment system is not adjusting these correctly and they are falsely advertising it as a XXXX XXXX APR when in reality they are now showing that they are charging XXXX 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 monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital Systems , LLC for {$450.00} associated with XXXX. I do not recognize this account and have no knowledge of this debt. I have requested validation but have not been provided documentation showing I am legally responsible for this debt. Please provide the original signed agreement with XXXX, the original account number, and documentation showing that Jefferson Capital Systems has the legal right to collect and report this account. If this account can not be fully verified under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, I request that it be immediately removed from my credit reports with all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
I purchased a XXXX gift card issued by XXXX at a XXXX store using cash. After activating the card, I used it XXXX time for a legitimate purchase on XXXX for approximately {$440.00}. XXXX later refunded that purchase back to the same gift card. Shortly after the refund was processed, several unauthorized transactions labeled XXXX * XXXX occurred and drained the balance of the card ( approximately {$440.00} ). By making multiple transactions of different amounts until all funds were used. These transaction all happened within the same minute of time.These transactions occurred without my permission and were not made by me or anyone I know. I reported the fraudulent transactions to XXXX within XXXX hours of discovering them and completed the fraud affidavit they required. Despite reporting promptly and confirming that the transactions were unauthorized, XXXX denied my dispute and closed the case. I also requested the specific denial reason and any merchant authorization evidence used to justify the denial. XXXX did not provide any specific evidence and only responded with a generic statement referring to their cardholder agreement. I am requesting assistance because unauthorized transactions drained the balance of the card and the issuer refused reimbursement after a timely fraud report and completed affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Aqua Finance, Inc.
State: NE

Complaint narrative:
XX/XX/XXXX, a loan was taken out in my name that I did not authorize. I was not notified of this information until XX/XX/XXXX, when I contacted the loan company for the loan documents. Upon study of loan documents and original documents found in the boat, I realized that they were not my signature. They were signed by my XXXX XXXX ( XXXX since XXXX ). Upon review of the certificate of completion, we found there was only XXXX email address listed for both parties on the loan and only XXXX IP address was used to sign both signatures on the loan. I have proof from my employer, United States Postal Service, that I was at work on the day and time the loan documents were signed and there is absolutely no way I could have been with him to sign said documents. When I contacted the company to dispute the loan, they said my id and paycheck stub had been submitted as proof of my identity. My XXXX and I did live together during XXXX so he would have easily had access to that information when I was in the shower or sleeping. After filing the dispute with them and providing them federal documents of my hours worked on that day, multiple copies of my actual signature, and informing them there is an ongoing police investigation on the matter, they said there is not enough evidence to take my name off of the loan. I was never contacted about this loan when it was opened in XXXX. I did not open this loan or sign these documents. I have not seen these documents prior to receiving them by request XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: SC

Complaint narrative:
I dont have an account with XXXX account # XXXX in the amount of {$4900.00}. Under XXXX and the FDCPA Im requesting this account be removed due to no verified contract or legal reporting rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I was trying to refinance my VA loan with PennyMac and was given initial disclosures that didn't not include any property taxes except the XXXX. I am a XXXX percent XXXX vet and in the state of Texas this entitles me to not paying any property taxes. Pennymac is now saying that until my XXXX exemption is approved then they would have to escrow my taxes causing my mortgage to go up and cause a financial hardship. If this would have been disclosed when we initially called we would not have proceeded. At this point we no longer wish to proceed with PennyMac as they seem to bait and switch and take advantage of Veterans. We would like PennyMac at their expense back out any credit hits we have received from our credit as we feel they were dishonest. Once this has been completed then we will look to refinanen else where. Please see the attached initial disclouses that were provided by PennyMac and the ongoing emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: AR

Complaint narrative:
I am disputing the validity of a Retail Installment Contract with XXXX XXXX XXXX ( Account # XXXX ) due to documented signature irregularities and a breach of the FTC XXXX Rule. XXXX. SIGNATURE IRREGULARITIES : I possess XXXX conflicting versions of the contract. XXXX XXXX was generated at XXXX XXXX with NO signatures. A " final '' version appeared only XXXX minutes later at XXXX XXXX with my electronic signature and the sellers signature already applied. I did not review, authorize, or manually apply my signature in this window. I have requested the XXXX audit logs/metadata to verify the origin of these signatures ; the company has failed to provide them. XXXX. NOTICE OF INOPERABLE VEHICLE : The vehicle has been at a mechanic since XX/XX/XXXX. The mechanic confirmed the vehicle was sold in an inoperable state and requires a part that is no longer manufactured, making the vehicle unrepairable. I have a recorded phone conversation from XX/XX/XXXX notifying XXXX XXXX XXXX of this situation. Despite being on notice that the collateral is a " XXXX '' with no available parts, the lender continues to demand payment. On that call I was transferred to " XXXX '' in the XXXX insurance and Service Contracts department. In that conversation XXXX stated that she would escalate this matter, and that within XXXX hours someone would be giving me a call. I have a voice recording of this commitment. XXXX XXXX XXXX failed to follow up as promised, showing a willful disregard for my dispute while continuing to demand payment on a contested, inoperable vehicle. XXXX. FAILURE TO RESPOND : On XX/XX/XXXX, I sent a formal " Demand for Validation '' via Certified Mail ( Tracking # XXXX ). XXXX confirms delivery on XX/XX/XXXX at XXXX. XXXX XXXX XXXX has failed to respond to my legal dispute within the required timeframe while continuing to bill me and report to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC
State: CT

Complaint narrative:
This company is illegally charging me an annual fee and increased interest rate without my knowledge. The company clearly sent the letter to the wrong address. I have tried to update address and phone number with the company but they refused The company has XXXX calender days to close my account effective the date of the notice and remove any annual fee and increased interest rate accessed. Had I received the notice I would have opted out. If this is not done within XXXX calender days legal action will commence in the state of Connecticut. This is a predatory lender trying to abuse customers with less than perfect credit. I request that the company provide their legal departments information in the event my request is not completed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a fraudulent change to my refund disbursement account that resulted in the theft of my student loan refund funds. The refund was issued by Nelnet related to my enrollment at XXXX XXXX XXXX. On or around XXXX XXXX XXXX, I noticed that my expected school refund of {$2100.00} had not been deposited into my bank account. I logged into my Nelnet account and discovered that the bank account designated to receive my refund had been changed to an unknown account without my authorization. I immediately contacted XXXX XXXX University to report the issue. After reviewing the account activity, the university informed me that the banking information change occurred on XX/XX/XXXX. I never authorized this change and was not notified or asked to verify the change in any way. A representative from XXXX ( XXXX ) informed me that the activity appeared to be fraudulent and likely the result of my account being compromised. On XXXX XXXX XXXX she confirmed that my account had been hacked and the refund funds were transferred to a fraudulent bank account. Following their instructions, I immediately took the required steps to document the fraud : I filed an identity theft report with Federal Trade Commission through XXXX. on XX/XX/XXXX. I filed a police report on XX/XX/XXXX documenting the theft. After filing these reports, I contacted Nelnet to provide the case and reference numbers so they could investigate. However, I was informed that Nelnet would not communicate with me directly and would only communicate through the school. I then contacted the fraud department at Western Governors University and requested : The Nelnet fraud case number Written confirmation that an investigation had been opened Confirmation that a recall request had been sent to the receiving bank On XX/XX/XXXX, I received an email from XXXX XXXX, Compliance Senior at XXXX XXXX XXXX, stating that Nelnet had attempted to recover the funds but the receiving bank denied the request to return them. I was also informed that the funds would not be reissued to me. I believe this outcome is unjust and raises serious concerns regarding account security and consumer protections. The fraudulent account change occurred months before the refund was issued, yet no notification or verification was required before sending more than {$2000.00} to a newly added bank account. Had I been notified of this change, the fraud could have been prevented. I was the victim of identity theft and reported the fraud promptly once discovered. I also fully cooperated by filing the required identity theft and police reports. Despite this, I am being told that I must absorb the loss of funds that were stolen due to unauthorized changes made to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I reached out to Amerinat to send me my year end tax form And a paid in full statement for a loan we paid off in XX/XX/XXXX I was told that the payoff given to me was not correct ( I have email of the amount given to me ) that I owed interest of over {$6000.00} because they made an error in XXXX applying my payment to principal instead of interest since XXXX I have not heard from Amerinat of any amount owed I went to website in XX/XX/XXXX and it shows I was delinquent for {$460.00} which I have never received any notification telling me I owed any of these payments I wrote to XXXX XXXX and she sent me some one else statement showing I owed {$6900.00} not out name or address on the statement I have the emails if required I dont think this is fair to let me know after XXXX yrs that I owed this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was charged for a yearly subscription of {$400.00} with XXXX XXXX XXXX in XX/XX/year> that I never agreed to. I immediately contacted the company and requested cancellation. They confirmed that the plan was canceled and that the {$400.00} charge was refunded to my card. I also received multiple emails from them confirming the cancellation and refund. When I contacted my bank to resolve the issue, they stated that they never received the refund from the company and that I am still responsible for the {$400.00} charge. I filed a dispute and provided all the proof they requested, including emails from XXXX XXXX XXXX confirming the cancellation and refund. Despite providing this documentation, the bank continues to deny the dispute. Each time I call the bank, I receive different information, and the explanations keep changing even after I submit the documents they request. This has made the process extremely frustrating and confusing. For the past three months, I have been trying to resolve this issue with both the company and the bank, but neither side has resolved the matter. I have clear proof that XXXX XXXX XXXX confirmed the refund, yet the bank continues to deny the dispute. I respectfully request assistance in reviewing this matter and helping me recover the {$400.00} that was wrongly charged.

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