vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
I am filing a complaint regarding a purchase financed through Affirm. I purchased an item from an online merchant ( XXXX ) using Affirm. The listing title described the item as a XXXX XXXX XXXX XXXX, but the product sold was individual booster packs. The morning after placing the order I emailed the merchant requesting cancellation, but the merchant ignored multiple emails and shipped the item anyway. When the package arrived I refused delivery and XXXX returned the shipment to the merchant unopened. Tracking confirms the item was returned and delivered back to the merchant. The merchant has acknowledged receiving the returned merchandise but refuses to issue a refund and instead offered to ship the product back to me. This means the merchant now has both the merchandise and my payment. I previously attempted to dispute the charge with Affirm, but the dispute was denied before the item had been returned.The merchant has acknowledged that the package was returned to them and offered to reship the product instead of issuing a refund. This confirms that the merchant currently has both the merchandise and my payment. I am requesting that Affirm reopen the dispute in light of the returned merchandise and the merchants refusal to issue a refund. Ordered on XXXX XXXX and requested to cancel within XXXX hours. They ignored my email. I have plenty of emails and time stamps. XXXX tracking code is XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Subject : Complaint Against Bank of America for Failure to Terminate PMI To : Whom It May Concern : I am filing a formal complaint against Bank of America regarding its failure to properly terminate Private Mortgage Insurance ( PMI ) on my conventional mortgage loan in accordance with the. Loan Background : - Loan Type : Conventional mortgage - Original home value : Approximately {$80000.00} ( 10 % down payment ) - Refinanced loan amount ( approx .. XXXX ) {$70000.00} - Loan term : XXXX years - Interest rate : 4.62 % - Current balance : {$42000.00} - Based on these figures, my loan-to-value ( XXXX ) ration fell below 78 % several years ago. Under federal law, PMI should have been automatically terminated at that point, assuming payments were current and they were. I have always made on-time payments. However, PMI is still being charged on my loan. While the monthly amount has gradually decreased over time, it has never been fully removed. I contacted Bank of America regarding this issue and was explicitly told I would receive a written response within XXXX ( XXXX ) days. As of today, I have not received any response. My concerns are as follows : - Failure to automatically terminate PMI at the required 78 % XXXX threshold. - Continued collection of PMI premiums well beyond the legally required termination date. - Failure to provide a timely response after committing to do so, - Lack of transparency regarding PMI calculation schedule.

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 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I am writing to formally request a comprehensive review of my account regarding my eligibility and payment counts under the XXXX XXXX XXXX XXXX ( XXXX ) program. I have been employed full-time by a qualifying nonprofit organization for approximately XXXX years and had been paying monthly until a few years ago during XXXX. Based on prior guidance I received, I was informed that my student loans would qualify for XXXX once my payment history was fully transferred and reconciled from previous loan servicers. I was advised that once my payment count was updated, my loans would be eligible for forgiveness.I have called hundreds of times to try and resolve this, even sending documentation from a previous lender. Despite this, my qualifying payment counts are not reflected at all in my account. I have submitted the required employment certification documentation multiple times, yet the issue remains unresolved. I am requesting the following actions : XXXX ) A full audit of my loan history, including all payments made under previous servicers XXXX ) Confirmation that all eligible payments, including those prior to any loan consolidation, have been properly reviewed under the XXXX account adjustment. XXXX ) Verification and processing of all submitted employment certification forms XXXX ) Immediate correction of my payment count and determination of my eligibility for PSLF forgiveness. Given my long-term service in a qualifying nonprofit role and the length of time this issue has remained unresolved, I respectfully request that this matter be escalated for expedited review. Because of the XXXX time adjustment period may have lapsed I am terrified that I will be responsible for the remaining balance. Please provide a written response outlining the findings of your review and any corrective actions taken. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had an account with American Express, and my credit limit was typically around {$5000.00}. Depending on my payments, they could authorize a higher amount. At XXXX point, I entered into a payment plan with them and was making payments of approximately {$130.00} per month. Prior to that, my regular monthly payments ranged between {$650.00} and {$870.00}. Due to financial difficulties, I was unable to continue with the payment plan, and my account was eventually sent to collections. However, my last payment to American Express was {$250.00}, and at that time, my balance was approximately {$6200.00}. This was still an amount that felt manageable for me to repay under a structured agreement. Now that my account has been transferred to collections with XXXX XXXX XXXX, I have been informed that my balance is over $ XXXX {$8800.00}. This amount exceeds the limit I originally had with American Express, which is why I am filing this complaint. I would like to understand how this balance increased to such an amount and what options are available to help resolve this situation. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
To Whom It Concerns, XXXX contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
XXXX too identity theft unlike if credit was affected withdrawal amounts was taken causing my limit to be exceeded

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
In XXXX I set up a verbal payment plan with TDBank for my Nordstrom credit card. I received nothing in writing and was told my XXXX consecutive payments from a previous billing period would qualify as the first payment. I was then told I needed to pay {$250.00} in XXXX and XXXX to bring my account current. I paid those but my account was not brought current. I called the company at least XXXX different times and was told the payments should have been {$250.00} ( the first was approx. {$330.00} ) and because they were not, they can not bring my account current.i was never put in touch with a supervisor after asking repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
A collection account from CBE Group , Inc. was recently added to my credit report for approximately {$300.00}, which lowered my XXXX XXXX. I was not properly notified of this debt before it was reported. I previously contacted a collection agency and made a payment of about {$200.00} to resolve what I believed was this account, but it is still being reported as an open balance. I believe this account is inaccurate or in accurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Im submitting this complaint regarding my private student loans that originated with XXXX XXXX, were later serviced by Navient, and are now with XXXX. I am requesting a formal investigation into the servicing of my student loans due to unfair and deceptive practices. At the time these loans were taken out, I was XXXX XXXX XXXX and did not have the knowledge or capacity to fully understand the long-term financial impact. The applications were completed by my mother on my behalf, which placed me at a disadvantage from the start and heavily reliant on my loan servicer for accurate guidance. Once I entered repayment, I relied on Navient to provide responsible and transparent options. Instead, I was repeatedly steered into forbearance as the primary solution starting around XXXX. Alternative repayment options were not clearly explained or offered. At one point, I was informed that I could no longer participate in forbearances, further limiting my ability to manage my loans. I was led to believe that forbearance was an appropriate solution but in reality, this caused interest to accumulate and capitalize, significantly increasing my loan balance. My original balance was approximately {$30000.00} {$35000.00}. It has now grown to over {$100000.00}. I want to be clear that I have made efforts to remain responsible as best I could. Despite this, my balance has nearly tripled. These actions mirror findings from the Navient Lawsuit Settlement, where borrowers were steered into long-term forbearance instead of being offered sustainable repayment options, resulting in unnecessary balance growth. I was not provided the information needed to make informed financial decisions and was placed into a cycle that caused long-term financial harm. I am requesting a full investigation into my loan history and servicing practices. I am prepared to provide supporting documentation, including account history, forbearance records, and fee charges. This matter has had a serious and lasting financial impact, and I am requesting it be addressed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am a business customer of XXXX XXXX XXXX, disputing an unauthorized XXXX hold on {$980.00} in cleared XXXX XXXX ( Invoice XXXX XXXXXXXX ) associated with XXXX account XXXX. XXXX Violation : This was a XXXX ACH transfer. Under XXXX XXXX XXXX, the XXXX dispute window for unauthorized corporate entries has expired. There is XXXX legal risk of a return. Failure of Oversight : I have already successfully authenticated and verified my identity on the dashboard as of XX/XX/year>. Despite this, XXXXXXXX XXXX partner bank is facilitating the 'unjust retention of property ' on a terminated ledger. Per XXXX XXXX XXXX, the bank is responsible for XXXXXXXX XXXX failure to provide a XXXX XXXX XXXX ' tool for closed accounts. The payer has already cleared a separate {$2500.00} wire to my Lead Bank account, proving the legitimacy of the source.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: UT

Complaint narrative:
I never received my degree. Classes were always added to the curriculum. I can not obtain a transcript.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I submitted an application for the SAVE plan on XX/XX/year>. A few months later, the courts blocked the implementation of XXXX, and my application was never processed. During the short period before the court blocked the plan, I was eligible for XXXX XXXX monthly payments based on my income and could have made those payments legally. I request that this period be treated as if my application had been processed in a timely manner, with retroactive {$0.00} payments and removal of any interest or fees that accrued. After the block, my application remained in review for nearly XXXX years, and I was unable to benefit from an income-driven repayment plan during that time. I recently found out that the SAVE plan has been ended, so I submitted a new IDR application to ensure my payments are calculated based on my income. I request my new application be processed in a timely manner, and that my account be reviewed for any interest or fees that may have accrued while my previous application was in limbo, and that any improper interest or fees be adjusted or removed.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 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: EdFinancial Services
State: MI

Complaint narrative:
am writing to formally request a comprehensive review of my account regarding my eligibility and payment counts under the Public Service Loan Forgiveness ( PSLF ) program. I have been employed full-time by a qualifying nonprofit organization for approximately XXXX years. Based on prior guidance I received, I was informed that my student loans would qualify for PSLF once my payment history was fully transferred and reconciled from previous loan servicers. I also changed the repayment type per guidance. I have been told to just wait, and wait and wait. I was advised that once my payment count was updated, my loans would be eligible for forgiveness.Despite this, my qualifying payment counts are not reflected at all in my account. I have submitted the required employment certification and reconsideration documentation multiple times, yet the issue remains unresolved. I am requesting the following actions : XXXX ) A full audit of my loan history, including all payments made under previous servicers XXXX ) Confirmation that all eligible payments, including those prior to any loan consolidation, have been properly reviewed under the IDR account adjustmentXXXX ) Verification and processing of all submitted employment certification forms XXXX ) Immediate correction of my payment count and determination of my eligibility for PSLF forgiveness. Given my long-term service in a qualifying nonprofit role and the length of time this issue has remained unresolved, I respectfully request that this matter be escalated for expedited review. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I requested information from Federal Studant Aid regarding my school loan being in good standing and to contact my servicer Aidvantage for a further breakdown of my loan because it was consolidated in XXXX ( in which I do not recall much of that consolidation ). I contacted Aidvantage and was not able to get breakdown of my student loan due to the consolidation and my information coming from a precious servicer XXXX or XXXX. I am trying to go back to school XXXX years later after graduation in XXXX and and trying to figure out why and how I am maxed out of services that Aidvantage and Federal Student Aid. I keep getting passed around and having to spend hours on the phone because the companies are limited on what they can see or utilize l.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint relates to unauthorized withdrawals being made by Bank of America from my personal account under the label offset payment to account XXXX. This issue is connected to a previously disputed business credit line account. That account was previously placed with a third-party collector ( XXXX XXXX ), who has confirmed the account was closed and returned to Bank of America XXXX Bank of America has also provided written communication stating that the account balance is {$0.00}. Despite this, they continue to withdraw funds from my account. I have repeatedly requested a signed agreement, proof of any personal guarantee, and legal justification for these withdrawals. None has been provided. Additionally, Bank of America has attempted to address this matter via phone calls instead of providing written documentation, which I have explicitly requested. These withdrawals are unauthorized, unsupported by documentation, and occurring while the matter is under dispute. I request immediate cessation of all offset debits, reimbursement of any funds taken, and full written documentation supporting any claimed right of offset.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Over the past several weeks, I have experienced a consistent pattern of deposit holds without clear justification or adequate explanation. Most recently, on XX/XX/year>, multiple deposits were made into my account, including amounts of {$370.00}, {$1400.00} ( twice ), and {$2800.00}. Despite these being routine deposits, Bank of America placed extended holds on these funds, delaying availability until as late as XX/XX/year>. Additionally, on XX/XX/year>, I deposited a check that initially cleared and became available in my account the following day. However, on XX/XX/year>, Bank of America retroactively placed a hold on those same funds after they had already been made available. This reversal is particularly concerning, as it disrupted my ability to rely on previously cleared funds and caused further financial uncertainty. This is not an isolated incident. Similar holds have occurred repeatedly, impacting my ability to access funds necessary for normal business operations. The lack of transparency and communication from the bank is particularly concerning. I have not been provided with any specific reason for these holds, nor have I received guidance on how to prevent them in the future. As a business owner, these delays create significant financial disruption, including the inability to meet operational expenses in a timely manner. Given that these deposits appear consistent with my normal account activity, the repeated holds seem arbitrary and unjustified.

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