vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: PA

Complaint narrative:
XX/XX/XXXX XXXX Lien by Mosaic ( Now Solar XXXX XXXX XXXX was placed on my property after Loan was approved for a solar panel installation-XXXX, PA. XXXX XXXX XXXX XXXX the solar company was unable to start work and agreed to cancel the contract. XX/XX/XXXX XXXX cancellation specialist reached out to confirm cancellation process started but due to Mosaic being in Bankruptcy the lending company paused all loan cancellation processing. XX/XX/XXXX XXXXMosaic XXXX XXXX sends e-mail announcement that ther are now Solar Servicing. XX/XX/XXXX XXXXwhile applying for a refinancing loan for my home it was bought to my attention the XXXX was still on my home. I contacted the lender asking for the removal and they asked for proof of cancellation from XXXX XXXX ( I included the sales rep on the e-mail so he was aware that the cancellation papers were not sent to Solar XXXX ) XX/XX/XXXX XXXXContacted Solar Services again asking to remove the XXXX icing XXXX XXXX representative XXXX XX/XX/XXXX XXXX from XXXX XXXX confirmed the cancellation was made on XX/XX/XXXX ( I have all of this in writing and shared with Solar Servicing ). Official cancellation completed XX/XX/year>. XX/XX/XXXX XXXXSolar servicing reach out via e-mail to remind me of my loan payment will be due. I called them to find out what the cancellation status was. Representative said there was no cancellation sent from freedom ( though they were cc 'd on the e-mail message from freedom ). XX/XX/XXXX XXXXCalled Solar Servicing on their customer service line : was told they do not have the paperwork to cancel the loan. Asked me to send the proof via their XXXX which I did the same day. XX/XX/XXXX XXXX Solar Servicing to confirm they have received the e-mail with proof of cancellation. They told me to call XXXX XXXX. I called freedom Forever and there are no representatives since they are now in bankruptcy. XX/XX/XXXX XXXX email to Solar XXXX trying get confirmation on status and finally received a response : Customer Support XXXX XXXX ( XXXX minutes ago ) to me Hello, Thank you for contacting Mosaic. As you may have heard, Mosaic filed for Chapter XXXX bankruptcy on XX/XX/year>. As a result, certain operational activities have been delayed, including loan cancellations. At this time, there are no new updates regarding the status of cancellation requests. We will reach out via email as soon as additional information becomes available. Best regards, Mosaic XXXX All I am requesting is to have the XXXX removed from my property due to no services rendered. Thank you for your help! PS I have all of the documentation in PDF format showing I went over and beyond to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Well today XX/XX/XXXX I called both Indigo card and XXXX XXXX Capital and explained that back in XXXX when I had that card that my purse was stolen and I had just paid my credit card but since it was stolen that made me have to get all my personal information over again and why nobody thought the charges was strange or bothered to call me. Indigo Card apologized but they couldn't get into the account was closed and also there was no theft insurance on the account. I think that theft insurance was never offered. I called XXXX XXXX XXXX to explain the same story but the woman on the phone wanted a dollar from debit or credit to even verify that it was me. Who calls a debt collector to dispute the account if not the actual person paying? Scammers pay bills too? Let me know. Plus her phone signal was scrambling real bad but she didn't do anything unless she had my card information. I said to myself that is extremely strange. I didn't go to the police because it was stolen out my car and I didn '' t have a description of a suspect to give.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As of XX/XX/year> CFPB File Number : XXXX which was open on XX/XX/year> is still not resolved. I have not received the title or letter of no interest as per company response on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: ME

Complaint narrative:
On XX/XX/XXXX, I submitted a public service buyback request after faithfully recertifying my qualifying employment for ten consecutive years. The reference number for my request is XXXX. It was filed due to a forced administrative forbearance for borrowers in my income based repayment program known as SAVE. This was not an optional forbearance, and because of the forbearance, my final six payments, out of 120, were considered not qualifying. Not only is that completely unfair, it should be illegal. However, I did as instructed based on the information my loan servicer and the federal government provided its borrowers, and submitted a buyback request at which time I was told I would be notified within 45 days of the submission. This number was given to me by representatives of my loan servicer, MOHELA, and also studentaid.gov. That estimate was also made public on the internet when the XXXX buyback was first introduced. Today, XX/XX/XXXX, is more than 10 months later and I still have no reply for my buyback request. I have tried calling my lender. I have tried contacting the federal student loan center. All they can say is that the delay in processing is beyond their control. Recently, I am also told that I will need to start paying on my student loans again, while I wait up to 2-3 years for a response. I can not even begin to express how frustrated and angry I am at our government and its criminal and predatory lending practices. I have worked tirelessly for 15 years to tackle my insurmountable student loan debt, repaying a large chunk of the principal, while I also work full time and pay taxes. If the government can enforce deadlines and due dates for its borrowers and tax paying citizens, perhaps it should be nothing less than illegal and unconstitutional for them to fail to adhere to their own timetable. I have done everything required of me. I have worked ten years for a qualifying nonprofit, and during that time, I have made all the necessary payments required of me. I have no control over the politics surrounding these programs or the decisions the federal government makes, but to have them reverse rules so callously has devastating consequences for people like me who have taken great effort and used years of their lives to fulfill the necessary requirements that they put forth. I am one of many in this situation, but I would also guess that most have worked for far less income, as I have, choosing to serve the public in this capacity in exchange for forgiveness that was promised to usforgiveness that would not be necessary lest the government provided students with loan opportunities at more reasonable interest rates. My complaint is quite simple. Waiting 2-3 years for a response is beyond unfair. It is unlawful and inhumane.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I tried to withdrawal my funds in the amount of {$330.00} from XXXX and I was told to go to branch in person and I did. I d made multiple phone calls to XXXX and account takeover department on XX/XX/XXXX. I also called Fraud team, XXXX and XXXX on Wednesday XX/XX/XXXX. I went to pnc in XXXX Maryland close to my job and they refused to help me. These employees need to be broke accountable. They failed to call all the necessary people in the fraud department that are in charge of freezing my account and temporarily releasing the freeze so I can get access to my hard earned money. There is a department that handles freezing my account and another that handles releasing my funds and these departments weren't notified. I was just told that they can't help me at the XXXX XXXX without a detailed explanation. I called fraud department on XX/XX/XXXX around XXXX. and the lady from the department in charge of freezing my checking account was in a meeting. I was told to call back in XXXX hours. I called back in XXXX hours and could not get assistance. This person wasn't available. I contacted fraud department on XX/XX/XXXX and I was given the number to call the XXXX Department and then I spoke with XXXX and he couldn't help me so then he transferred me to the XXXX Department and I had the same experience. This individual response to me when I said I need access to my funds. " ITS NOT GOING TO HAPPEN ''. That is completely unacceptable to be penalized due to a hacker. I'm the victim of fraud. I just need my earnings. He said that you have to go in person and maybe your bank can contact your case worker to release the funds. He did not assure me of anything. Customers..... whether a victim to fraud or not should have financial security and peace of mind knowing they can access their funds on schedule. I also should not have to go to XXXX branches of PNC to get assistance. The XXXX branch in XXXX and the one in XXXX are not properly trained to help pnc bank members. My experience was unbelievably unacceptable and corrupt. As far as getting access to my funds this wasn't a problem because I made a withdrawal from pnc on {$150.00} at XXXX XXXX XXXX in late XXXX on the XXXX and XXXX in XXXX and this wasn't an issue. This XXXX branch needs to be flagged and held fully accountable for this huge inconvenience. I don't deserve this as a pnc member. I want them investigated because they have lost my trust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank is the worst bank! Very deceitful! I had 3 credit cards with them. One is only allowed for medical expenses the Care Credit, one for the Amazon Store Card and one from Guitar Center all under Synchrony. They closed the one for the medical expenses that it was never late and I just had paid off in full for no reason abd without warning. The Amazon credit linit was reduced 3 times to a point that it reached to {$100.00}. Since I do not trust this bank, I requested that they close the Amazon and the Guitar Center one. No way, I will ever deal with tihs corrupt bank ever again, and nobody else should!! Everybody should close accounts with them and boycott!!

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 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: FL

Complaint narrative:
I used XXXX to make payments toward a utility bill with XXXX. After issues arose, I was later informed by XXXX in writing that XXXX was not a supported biller. Despite this, payments had already been processed through XXXX and the account later appeared in collections through InDebted. After the utility service interruption, I separately paid the utility provider directly out of pocket to resolve the balance. I also disputed the transactions with my financial institution, and the bank investigation found issues related to the transactions. I have repeatedly requested validation and clarification regarding the alleged debt and reporting. I provided documentation, screenshots, transaction history, and the full email thread showing inconsistencies in the account handling and reporting. Important inconsistencies include : * Deferit stating the biller was unsupported * Claimed payment confirmations not aligning with my bank transaction history * The utility provider not reflecting receipt of the disputed payments * The tradeline status changing after disputes were submitted Despite these unresolved discrepancies, negative credit reporting was furnished and continues to impact my credit profile. I am requesting a full investigation into the accuracy of the reporting and requesting deletion of the tradeline from all credit reporting agencies due to inconsistent and unverifiable account information. Another concern is that the account status was changed to current despite me not making any additional payment toward the alleged balance. This unexplained status change raises further concerns about the accuracy and consistency of the reporting and account handling. If the account was valid and accurately reported, I would expect the reporting history and account status to remain consistent and supported by actual payment activity. Instead, the reporting appears to have been changed after disputes were submitted, without a corresponding payment or clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted Santander Consumer USA to discuss a charged-off auto loan account. During the call I was given conflicting balance information a representative verbally told me the settlement amount was {$3500.00}, however my credit report is currently showing a reported balance of {$6700.00}. No explanation was provided for this discrepancy. I was then transferred to a supervisor to discuss settlement options. The supervisor disconnected the call without resolution. When I called back, a different representative verbally offered a {$3000.00} settlement and stated that upon payment, Santander 's internal credit bureau escalation team would submit a request to delete the account from my credit report. When I requested this agreement in writing via email before making any payment, Santander refused to provide any written confirmation whatsoever not even basic settlement terms such as the settlement amount or the status the account would be reported as upon payment. This account originated as a {$21000.00} auto loan for a XXXX XXXX XXXX. The vehicle was later declared a total loss following an accident. My insurance company paid Santander directly as part of the total loss settlement. Following that payment I contacted Santander to request modified lower payments on the remaining balance due to financial hardship. Santander denied my hardship modification request, which contributed directly to the account defaulting and charging off. However I am now in possession of two official Santander documents that demonstrate this account has already been paid in full and carries a XXXX balance. First, a Paid in Full letter dated XX/XX/XXXX issued by Santander Consumer USA explicitly states that account number XXXX for a XXXX XXXX XXXX was recognized as paid in full, and that Santander would take the necessary steps to update their records with all credit reporting agencies within 30 days. Second, an official payment history document issued by Santander on the same date shows that Total Loss Insurance payments were applied to this account on XX/XX/XXXX, resulting in a total payoff balance of {$0.00} and a principal balance of {$0.00}, confirmed good through XX/XX/XXXX. Despite Santander 's own documents confirming a XXXX balance and paid in full status, their representatives contacted today in XXXX attempted to collect {$3000.00} from me, offered settlement options, and actively negotiated payment terms on an account their own records show is fully satisfied. This constitutes an attempt to collect a debt that does not exist and is a potential violation of the Fair Debt Collection Practices Act. Furthermore, Santander has continued to report this account negatively to all three credit bureaus for over two years after issuing a paid in full letter, causing significant and ongoing damage to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Bank will not investigate a fraudulent claim I submitted from my checking account ( which now has a negative balance ) as I was scammed by a third party company that was not listed as the merchant. XXXX ( merchant ) was used on my behalf by XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, MO XXXX CONTACT XXXX : XXXX to convert cash into crypto ( bitcoin ) for their fraudulent scheme. This was a pyramid scheme where you had to pay money to make money, and the further you progressed, the more money you had to pay. XXXX does this so they will not be tracked and they are the ones guilty of convincing individuals ( such as me ) to continue with their scheme. Crypto, XXXX, etc. is just the middleman as cash is not allowed, only bitcoin is how XXXX covers their scheme. The only one I had contact with during this ordeal associated with XXXX was by text only ; XXXX XXXX ( XXXX ) XXXX Thanks.

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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX an unauthorized XXXX XXXX transaction of {$780.00} was made from my Cash App balance without my permission or approval. I immediately disputed the transaction with Cash App, explaining that I did not authorize it. Cash App investigated the claim under case number XXXX but later denied the dispute, stating the transaction was completed. They provided only a transaction summary and did not provide any evidence or explanation showing how they determined the transaction was authorized. I requested a full investigation report, supporting evidence, and reconsideration of the dispute, but Cash App did not reverse the transaction. I believe my Cash App account may have been compromised or accessed without my authorization, and I am requesting a full reinvestigation and refund of the {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I reached out to Navy Federal Credit Union regarding an ATM deposit error that occurred on XX/XX/XXXX at approximately XXXXXXXX XXXX XXXXXXXX at the drive-up ATM located at XXXX XXXX XXXX, XXXX XXXX XXXX. I attempted to deposit {$1500.00} in {$100.00} bills into the ATM. The machine initially returned {$900.00} and indicated it had accepted {$600.00}. When I pressed " Confirm, '' the machine began continuously beeping and displayed " Transaction Cancelled. '' No receipt was printed, and no deposit was credited to my account. Immediately following the incident, I initiated a video call with the on-screen teller. I was advised that they could issue a conditional credit ; however, once I informed them that I am not a member of XXXX XXXX XXXX but a member of Navy Federal Credit Union, I was instructed to go inside the branch. I went inside the XXXX XXXX and explained the situation. I was told that since I am not a member, I would need to contact my financial institution ( Navy Federal ) to resolve the matter. Later that same day, I made a separate {$1500.00} deposit at the Navy Federal branch in XXXX. I had to borrow {$600.00} from my mother to replace the funds that were taken by the XXXX ATM so I could complete a {$1500.00} XXXX payment to my attorney, which was the reason for the original deposit. When I initially filed a claim with Navy Federal in XXXX, the dispute was processed incorrectly for {$900.00} instead of the correct disputed amount of {$600.00}. | later visited the Navy Federal branch in XXXX and spoke with the branch manager, who attempted to assist in correcting the issue. On XX/XX/XXXX, I received a letter stating that no billing error was found. I do not understand how this conclusion was reached. There should be : ATM video footage showing the transaction A record of the live video teller call ATM cash reconciliation records reflecting a {$600.00} overage Additionally, I have spoken with XXXX XXXX at XXXX XXXX XXXX, who provided her contact information should XXXX XXXX need to follow up : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am requesting that this matter be reinvestigated thoroughly, including a review of ATM footage, transaction logs, and cash balancing records for that machine on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation