vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
Federal Direct loans from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Exhibit C ) were placed into default on XX/XX/XXXX while borrower was actively enrolled at XXXX as a XXXX XXXX XXXX. Under 34 CFR 685.204, in-school deferment is mandatory this default was void from inception. VIOLATION 1 VOID DEFAULT : Active enrollment at XXXX is documented in federal XXXX data. Default was procedurally invalid under 34 CFR 685.204. VIOLATION 2 IMPROPER TAX OFFSET : {$11000.00} collected via tax offset on XX/XX/XXXX on a void default. Refund review required. VIOLATION 3 REHABILITATION MISREPRESENTATION : XXXX agents stated rehabilitation was available and enrolled borrower in a payment plan on that basis, then reversed. Borrower had already exhausted one rehabilitation and was ineligible. XXXX written response to Case # XXXX also incorrectly suggested rehabilitation confirming a pattern of misinformation. VIOLATION 4 BD CORRECTION FAILURE : Borrower Defense application filed XX/XX/XXXX. XXXX hotline acknowledged default was erroneous and submitted correction ticket no correction followed. VIOLATION 5 FAILED COMPLAINT RESPONSE : XXXX Case # XXXX filed XX/XX/XXXX, closed with boilerplate ignoring all legal protections. Three additional complaints filed XX/XX/XXXX. No resolution in 9 months. Borrower is military spouse actively enrolled at XXXX pursuing XXXX XXXX, blocked from Title IV aid. VIOLATION 6 FRESH START DESTRUCTION : Fresh Start Transfer enrollment ended XX/XX/XXXX. XXXX imposed this default on XX/XX/XXXX XXXX day after XXXX XXXX closed permanently eliminating borrowers ability to use XXXX XXXX to exit default. XXXX loans from the same borrower were correctly placed into automatic deferment simultaneously, proving XXXX system was capable of deferring these loans but failed to do so, directly causing the irreversible loss of XXXX XXXX eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I am filing a complaint regarding my banks failure to properly handle a dispute under Regulation E. I rented a vehicle for {$450.00} with a {$250.00} security deposit. The merchant initially double charged me and later issued a credit. I contacted the merchant to extend the rental and was told the credit would be applied. Shortly after, the vehicle was remotely disabled twice, leaving me stranded in 102-degree weather. This made the vehicle unusable and the service I paid for was not properly delivered. I attempted to contact the merchant multiple times via phone and text and received no response for several days. When I finally reached them, they refused to honor the agreement and are now attempting to charge me for a full week, including time when I did not have access to the vehicle. I disputed the transaction with my bank and requested provisional credit. It has been over 45 days, and the bank continues to state they do not know how long it will take and has not issued provisional credit.The total amount is {$720.00} Under Regulation E, financial institutions are required to complete an investigation within the required timeframe or issue provisional credit. The bank has failed to provide a clear timeline, has delayed issuing provisional credit, and has not properly handled this as an error involving services not rendered. I am requesting : Immediate provisional credit for the full disputed amount. The total amount is {$720.00} A full investigation in compliance with Regulation E A refund of all charges related to this transaction, including the security deposit This situation involves both billing error and failure to provide services, and the merchants actions created a safety issue when the vehicle was disabled. The banks delay in handling this dispute is unacceptable.It has been over 45 days since I filed the dispute, and the bank has not issued provisional credit or completed a proper resolution. I am repeatedly told they do not know how long it will take. I have attached proof : Day 1 : Rental + double charge Day X : Called to extend ( approved ) Same day : Car shut off ( twice ) Next 4 days : No response Later : Merchant refuses refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a complaint against Bank of America regarding the mishandling of my dispute and removal of essential funds from my account. Claim ID : XXXX Amount : {$1100.00} I authorized a purchase but never received the merchandise. This is a merchandise not received dispute. There is no delivery photo and no signature confirming delivery. My dispute was initially misclassified as fraud, and based on that incorrect classification, Bank of America reversed a provisional credit and removed {$1100.00} from my account without any prior notice. These funds include my XXXX sons money, which is required for his daily living expenses. This has left us with no available funds for this month and created an immediate and extreme financial hardship. I contacted Bank of America, and they acknowledged the dispute was misclassified and reopened it under the correct category. However, they are refusing to reinstate the provisional credit during the investigation, even though the original reversal was based on their own error. I escalated this issue and spoke with a supervisor ( XXXX, ID XXXX ), who confirmed they would not provide any hardship or temporary credit, despite being informed that this is the only money available for my household and my XXXX sons daily needs. I was told there is no assistance available, leaving us without funds for basic living expenses. I have provided evidence that the item was never received, and there is no valid proof of delivery. I also attempted to resolve this through the merchant and XXXX but was unable due to claim time limitations. I am requesting : 1. Immediate reinstatement of the provisional credit during the investigation 2. Expedited review due to extreme financial hardship involving essential XXXX funds 3. Accountability for reversing funds without notice based on a misclassified dispute Bank of Americas actions have caused severe financial distress and removed essential funds without notice due to their own error. I am requesting urgent intervention and resolution.

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 2026-05-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C.
State: CA

Complaint narrative:
I am submitting this complaint against regarding what I believe were deceptive and misleading debt relief practices, failure to provide promised services, and refusal to properly address my refund request. I enrolled in the program with the understanding that the company would actively negotiate and settle my debts with creditors. I made payments into the program for years, expecting meaningful progress and communication regarding settlements. However, despite the amount of time and money invested, very few or no actual settlements occurred. During my enrollment, creditors and collection companies repeatedly contacted me directly stating that they had not heard from Consumer Legal Group or had received little to no communication regarding settlement negotiations. This directly contradicted the representations made to me when I enrolled. Throughout the process, communication from the company felt extremely unclear and unprofessional. I was frequently given vague explanations, delays, and excuses about why settlements were not happening. After learning that the company had financial and operational issues, including reports of bankruptcy-related problems, I became even more concerned that my account had not been properly managed. When I demanded a refund due to the lack of results and services provided, the company shifted blame onto me and stated that it was somehow my fault settlements did not occur. I was told that I should not be upset because some companies are difficult to negotiate with. I do not believe this justifies years of payments with little to no measurable progress or communication. I also submitted a formal complaint through the Better Business Bureau requesting resolution and a refund. Since then, I continue to receive repeated communications from the company claiming they are working on it, but I have still not received a proper resolution or refund. At this point, these repeated responses feel like stalling tactics rather than genuine attempts to resolve the matter. I believe I was misled regarding the services being provided, the progress of negotiations, and the likelihood of successful settlements. I am requesting that this matter be investigated and that assistance be provided in obtaining an appropriate refund and resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Selene Holdings LLC
State: VA

Complaint narrative:
Numerous attempts to obtain my loan modification paperwork with the request not fulfilled. Past the ten business days they promised according to their own policy. Would not let me talk to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I am filing a formal complaint against Bank of America regarding what I believe to be an unfair and inaccurate reduction of my credit limit, which has negatively impacted my credit profile. My original credit limit was significantly higher, and at the time I was utilizing less than 30 % of that limit. Despite my responsible usage and consistent payment history, Bank of America reduced my credit limit to an amount near or equal to my current balance. This action now falsely reflects that I am overutilizing my credit, which is not an accurate representation of my financial behavior. This change has caused my credit report to reflect high utilization, giving the impression that I am overspending or financially overextended. This is misleading and damaging, particularly because my usage was well within acceptable thresholds prior to the reduction. Additionally, I would like to clarify that any issues I am currently addressing with my mortgage company are unrelated to my credit card account. I have continued to make my monthly payments to Bank of America, and those payments have been made in good faith. I do not believe that external factors or unrelated financial matters should be used as justification to reduce my credit limit or negatively impact my credit standing. I respectfully request the following : Restoration of my original credit limit. A full explanation of the reason for the credit limit reduction. Correction of any inaccurate or misleading credit reporting resulting from this action. Assurance that unrelated financial matters are not being used inappropriately to evaluate my creditworthiness. This situation is causing harm to my credit profile and may impact important matters such as my financial standing and security clearance. Thank you for your attention to this matter. I look forward to a prompt investigation and resolution. Sincerely, 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 explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX Central Time, I received three phone calls from a number displaying as XXXX, which is the official customer service number for Wells Fargo. The caller identified themselves as a Wells Fargo representative and informed me that my account had been compromised. During the call, the individual demonstrated detailed knowledge of my personal and banking information, including the number of accounts I held, recent transactions, and account balances. I did not provide any personal or account information during this interaction. The caller advised that an individual identified as XXXX XXXX in XXXX had attempted to transfer {$10000.00} from my account via XXXX XXXX and stated that they were in the process of reversing the transaction. After the call, when I was able to log into my online banking, I observed a pending transaction of {$10000.00} from my personal checking account. On XX/XX/year>, I contacted Wells Fargo to inquire about the status of the reversal. At that time, I was informed that there were no notes on my account regarding the prior call and that the {$10000.00} had been withdrawn. I also reported that I had received a replacement debit card in the mail on XX/XX/year>, which I had not requested. The caller from XX/XX/XXXX had indicated that my card would be deactivated and replaced, and I subsequently activated the new card upon receipt. Following this, I filed a fraud claim with Wells Fargo. Additionally, I filed a police report for forgery with the XXXX Police Department, and submitted supporting documentation, including the debit card and envelope, as evidence. I also reported the incident to the Federal Trade Commission and the Federal Bureau of Investigation. On XX/XX/year>, I visited a Wells Fargo branch located at XXXX XXXX XXXX in XXXX, Texas, where I met with a banking specialist who submitted an expedited claim on my behalf. I was informed that a provisional credit would be issued either that day or by Monday, XX/XX/year>. However, as of XX/XX/year>, I have not received any provisional credit or resolution. I was contacted by a representative from Wells Fargos executive office, who was unable to provide any updates or timeline regarding my claim. I maintain that I did not authorize this transaction, nor did I provide any personal or banking information to the caller on XX/XX/XXXX. The individual who contacted me appeared to have unauthorized access to my account information and was able to initiate actions on my account, including deactivating my debit card and issuing a replacement. At this time, I am seeking resolution of this matter, including the return of the {$10000.00} that was withdrawn from my account.

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 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
I am submitting this complaint regarding an account reported by Aldous & Associates for an alleged debt of {$260.00} originating from XXXX XXXX. I do not recall entering into any agreement that would justify this balance, and I was not properly notified of this debt prior to its appearance on my credit report. The account has reportedly been listed on my credit file since XX/XX/XXXX, and has caused harm to my credit profile and financial standing. I became aware of this account on XX/XX/XXXX, at which time I immediately disputed the debt and requested validation. To date, Aldous & Associates has continued to report this account without providing sufficient documentation to establish that I am legally obligated to pay. I specifically requested : A copy of the original agreement or contract bearing my signature A complete itemization of the amount claimed, including all fees and charges Documentation showing how the balance of {$260.00} was calculated Proof that Aldous & Associates has the legal authority to collect this debt, including the full chain of assignment from the original creditor The date of first delinquency This information has not been properly provided. The company may claim that notices were previously mailed to an address where I no longer resided. However, I did not receive any such correspondence. Regardless, once I became aware of this account, I promptly disputed it and requested validation. A claim that documentation was mailed at some point in the past does not satisfy their obligation to provide validation upon request, nor does it justify continued reporting of a disputed and unverified debt. This conduct raises concerns under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, as the continued reporting of a disputed account without adequate verification may constitute inaccurate and unverifiable information being furnished to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Profolio recovery A did not remove from credit profile after the account in collections was paid. We have an agreement between debt settlement company and credit one bank litigation. Both accounts showing {$340.00} in collections should be removed as it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have my personal, XXXX XXXX XXXX account with Chase Bank. It was natural to apply for a HELOC loan to pay off a 2nd home that my son lives in and a current HELOC so that I had one payment. On XX/XX/XXXX I applied for the HELOC through the CHASE website and I received a phone call almost immediately from a CHASE representative, XXXX XXXX. We spent about 35 minutes going over the application and he stated that I met all the requirements to apply for the HELOC Loan. I signed disclosures via XXXX and he gave me a list of items I needed to upload to the portal. He told me that he would be my point of contact and that this was a 21 day process. I had not heard anything from this XXXX XXXX through this whole process and on XX/XX/XXXX I went into the portal and saw that CHASE has requested more information. Never received any notification. I fulfilled the request and sent XXXX an email asking for an explanation of why I was not notified and why this is taking longer than the 21 days he stated. Received no response. On XX/XX/XXXX I reached out to him again on 3 different occasions that day. After the last email, I receive an email from him that I was conditionally approved and introducing me to my processor. The portal in a matter of minutes was updated. Spoke to the processor and she promised to keep in touch with me, never heard from her again. Today, XX/XX/XXXX, I received an email stating that CHASE denied my application because my home is designated as a condo.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I asked if my monthly payment was applied to the highest interest rate balance first before being applied to XXXX percent interest promotional balances. I also asked why the promotional balances do not appear on my statement. The only useful thing that appears on my statement is the date the promotional offer expires, but not the balance remaining of the promotional purchase. The customer service representative I spoke with said that I need to call them to tell them how to apply my payment to the different balances. This info does not appear on my statement. I believe that they are intentionally paying down my interest-free promotional balances before the offers expire so that my retail purchase balance remains and acrues interest. My monthly payment usually ( if not always ) is greater than my monthly regular purchases. The intention is to avoid paying interest by paying in excess of my regular purchases.

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