vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Servicers : The XXXX XXXX XXXX Student Aid ( FSA ) ( StudentAid.gov ) and XXXX ( https : //mohela.studentaid.gov ) Borrower : XXXX XXXX XXXX XXXX XXXX ( last XXXX ) : XXXX ; XXXX XX/XX/XXXX Date : XX/XX/XXXX I am filing this complaint against The office of Federal Student Aid ( FSA ) and XXXX for failure to process my Public Service XXXX XXXX XXXX XXXX ) Buyback request within the Department of Education XXXX XXXX business day processing deadline. FACTS : XX/XX/XXXX : I submitted a PSLF Buyback Reconsideration request via StudentAid.gov ( Case XXXX XXXXXXXX ). I received email confirmation from XXXX Student Aid the same day. As of XX/XX/XXXX, my case has been pending for approximately XXXX business days XXXX business days beyond the stated XXXX business day deadline with no substantive update, decision, or outreach from XXXX or FSA. XX/XX/XXXX : I filed a formal complaint with Federal Student Aid ( FSA Feedback Case XXXX XXXX ), requesting escalation and a written status update within XXXX business days. FSA acknowledged receipt and indicated a response within XXXX days. XX/XX/XXXX : I submitted a follow-up message on Case XXXX XXXXXXXX noting that FSA 's own XXXX response window had passed with no reply. I have still received no response. CONTEXT : I am an XXXX XXXX XXXX XXXX XXXX with over a decade of qualifying public service employment. I have at least XXXX months of approved qualifying employment and meet all stated criteria for XXXX XXXX. I am separating from XXXX XXXX service effective XX/XX/XXXX. Resolution of this request before my separation date is critical both financially and administratively.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am submitting this complaint regarding my auto loan with Capital One Auto Finance. I have had this vehicle loan since XXXX, and despite making consistent payments, the balance has barely decreased due to the extremely high interest rate. The loan terms have created a severe financial burden on my household. Recently, I experienced significant financial hardship and informed Capital One that I am currently waiting for unemployment income, which can take several weeks or even months to begin. I proactively contacted them to request assistance, including hardship relief, payment options, deferment programs, or a modified payment plan that would allow me to keep the vehicle while stabilizing financially. Unfortunately, Capital One has failed to provide meaningful assistance or support during this hardship period. We specifically requested documentation and information regarding possible payment relief programs and repayment options, but the requested documents were never received. Despite explaining the urgency of the situation and our temporary loss of income, they have continued refusing to offer a reasonable solution. I believe the lender has not acted fairly or reasonably considering : * The excessively high interest rate * The fact that consistent payments have barely reduced the principal balance * The current documented financial hardship * The pending unemployment benefits * The failure to provide requested hardship-related documentation and assistance I am requesting that the CFPB assist in resolving this matter and encourage Capital One Auto Finance to work with me toward a fair and sustainable resolution. Specifically, I am requesting consideration for : * A reduced interest rate * A temporary hardship program * Lower monthly payments * A loan modification or restructuring * Payment deferment or forbearance until unemployment income begins * Any reasonable repayment arrangement that prevents repossession and allows me to continue making payments responsibly I am not refusing to pay my loan. I am actively trying to work with the lender in good faith during a temporary financial hardship. I simply need a reasonable opportunity and fair assistance to avoid falling further behind. Thank you for reviewing this complaint and helping facilitate a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing approximately {$2400.00} in unauthorized " Payment Security '' fees charged by Synchrony Bank ( CareCredit ). I never knowingly consented to this optional, paid program.Enrollment occurred through deceptive " negative option billing '' likely via a pre-checked box during a stressful medical checkout. Synchrony failed to clearly disclose the high cost ( {$1.00} per {$100.00} balance ), allowing fees to quietly accumulate over several years. These unauthorized fees also generated unfair XXXX interest charges.Frontline customer service can not refund a balance this high. Because no valid contract was formed, I demand : Immediate cancellation of the program.A full refund of the {$2400.00} in fees.A refund of all interest generated by these fees.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had a special offer where my balance transfer was interest free until XXXX. I tried very hard to get that paid off before XXXX, but the company continued to put the amount toward the other balance offer with a small APR. I called and was assured that since the APR on the XXXX balance was now 18 %, any future payments would go toward that amount. However I've attempted for XXXX months to pay off that balance and they keep applying it toward the one with the low interest rate. I have been assured monthly that they would fix this, and for XXXX months now and now into the XXXX month, they make a small amount toward that amount and put everything else toward the one with the much lower interest rate. This violates the Credit Card act of XXXX. At this point I don't know what to do, they tell me they will fix it and then they don't.

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX and XXXX was hired by Capital One for credit debt that I do acknowledge that I owe after they sent me proof. The issues however is that they went ahead and sent me a letter saying their intent to sue me, I called in a panic to try to avoid that but they told me they had already begun filing with the court systems and it couldn't be reversed. That point, they told me if I agreed to a auto-pay payment plan for the full amount, they would let the court know to " put it on pause '' so in a panic I gave them my checking account number and agreed verbally over the phone to an amount of almost {$250.00} initially and {$140.00} a month until the {$3200.00} was paid off. I asked for something in writing and they said they would send me something after the case number was assigned but I had to start the payment plan now even without the agreement. They sent me a letter summarizing the agreement but I was never given anything to sign at any point. In addition, I asked for writing to be over email and mail and they told me communication is mainly through phone only unless they have documents that they want to send me. This along with reviews I read about their practices made me send a certified letter and email to them last week requesting all communication be in writing as well as sending me a agreement to sign so I could be protected. I heard no response and today a week later, they tried calling me again. They always call using a XXXX phone number rather than a phone number from the law firm itself so it's all just red flag after red flag.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Someone opened up this credit card in my name. I have tried numerous times to dispute and also send evidence in. This company keeps selling the debt to other collection agencies. They will take the debt off for several months and then repost it back to all 3 credit bureaus. This has hindered me in obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hunt & Henriques
State: CA

Complaint narrative:
Hunt and Henriques was hired by XXXX XXXX for credit debt that I do acknowledge that I owe after they sent me proof. The issues however is that they went ahead and sent me a letter saying their intent to sue me, I called in a panic to try to avoid that but they told me they had already begun filing with the court systems and it couldn't be reversed. That point, they told me if I agreed to a auto-pay payment plan for the full amount, they would let the court know to " put it on pause '' so in a panic I gave them my checking account number and agreed verbally over the phone to an amount of almost {$250.00} initially and {$140.00} a month until the {$3200.00} was paid off. I asked for something in writing and they said they would send me something after the case number was assigned but I had to start the payment plan now even without the agreement. They sent me a letter summarizing the agreement but I was never given anything to sign at any point. In addition, I asked for writing to be over email and mail and they told me communication is mainly through phone only unless they have documents that they want to send me. This along with reviews I read about their practices made me send a certified letter and email to them last week requesting all communication be in writing as well as sending me a agreement to sign so I could be protected. I heard no response and today a week later, they tried calling me again. They always call using a XXXX phone number rather than a phone number from the law firm itself so it's all just red flag after red flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. I have contacted Experian multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

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 2026-05-26 00:00:00
Product: Vehicle loan or lease — Lease
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
During XX/XX/XXXX I leased a brand new XXXX XXXX XXXX XXXX. It was sadly in a rear end collision in late XX/XX/XXXX and declared a total loss. My insurance company overpaid the leasing company by well over {$10000.00} ( actual amount is {$13000.00} ). Payoff balance was {$50000.00} in XXXX, Insurance company paid out {$64000.00}. I talked with Bank of America ( branded as XXXX XXXX XXXX ) and they said management was still deciding on if I get the overage amount. This was well over 6 weeks ago and I have not received a check. They were rude and unhelpful to date.

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I just got my mail, and now Ive been made aware of two collections that LVNV has abrubtly sold to another company after holding on to them for years. After I filed the intial compliant for the first debt sale by LVNV, I checked the mail and I received a Validation Notice XXXX XXXX XXXX. Another debt collector. This account was included in the Idenitity Theft Afidavit I had filled out and mailed off this past Saturday back to LVNV Funding. Now its not their problem, and I assume they can again erase their tracks so that no investigation can locate which of the colllections account did they trick my former employer to paying out a garnishment to them ( no judge granted a garnishment of my wages on the default judgment, as is evident on the summons I attached to a previous case that LVNV won bc they never alerted me of the court date ). What has become abundantly clear is that LVNV saw their liability in the documents I submitted, and instead of getting nothing for the debt they purchased for Pennies on the dollar, they are selling all of them to the highest bidder who is still within their resurgent group of debt collectors. If they thought they werent Going to lose or face consequences, why after all this time would they be selling them?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XXXX I made a purchase from XXXX XXXX and paid via PayPal the amount of {$2000.00}. I then discovered on the XXXX that the TV had been changed in my cart by XXXX customer service because I had asked them about it in chat. I noticed and cancelled the order right away on the XXXX. I then made the correct order for a different amount. At that point on the XXXX PayPal had not removed ant funds from my bank so I was able to make the correct purchase for {$2300.00}. Then on the XXXX PayPal removed {$2000.00} for the cancelled transaction despite being cancelled and PayPal listing the transaction as refunded on the XXXX. This put me in the negative in my bank account. Then on the XXXX the money was refunded and the whole thing should have been done and over. The transaction was cancelled and the money refunded. Now 7 days later XXXX despite the transaction being cancelled on the XXXX and nothing ever shipped. PayPal 's AI system decided to take {$2000.00} out of my bank account again and created a negative balance and an overdraft charge of {$36.00}. XXXX and PayPal cancelled this transaction on the XXXX so PayPal had no authorization to charge my account again especially for a long-cancelled transaction. I contacted PayPal and they refused to refund the money until XX/XX/XXXX. They say the AI runs everything and they can't do anything. So they basically stole money out of my account as it was unauthorized. Meanwhile my account is in the negative and I can't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
About three months ago, I received a targeted marketing email from Marcus by Goldman Sachs promoting a {$750.00} cash bonus for opening an Online Savings Account and maintaining a {$50000.00} balance for 90 days. I applied directly by clicking the link provided in that promotional email, ensuring all application tracking was maintained. Throughout the enrollment and setup process, the promo details were fully visible on the screen, indicating the offer was successfully attached to my profile. Following the instructions explicitly, I transferred the full {$50000.00} into the account. Since then, I have strictly adhered to the maintenance rules, ensuring my balance never dipped below the required threshold. The validity of my promotional enrollment was further confirmed when I received an official confirmation email from Marcus on XX/XX/XXXX explicitly stating : " Congratulations on getting your cash bonus! Were glad you took advantage of our offer, and now you can keep growing your savings in your Marcus account. '' Despite this clear written verification from Marcus, I contacted customer service about five times to verify the posting timeline, only to be told that I am suddenly " not eligible. '' The representative claimed that my deposit did not qualify as " newly added money '' and dismissed my concerns by reading boilerplate terms and conditions found on your website. Given that I have Marcus 's official written confirmation from XX/XX/XXXX stating in my email that I have earned the cash bonus, but the cash bonus wasn't showing on my balence in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I've asked for proof of the original debtor. My information just keeps getting sold to various companies. I've requested my information not be sold. The debts are older and each time a new date is put on my accounts. I've also requested personal information be removed, such as names listed and addresses. The only name should be XXXX XXXX and the only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am responding to your recent communication regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide the following information : The name and address of the original creditor. The account number associated with the alleged debt. The amount of the alleged debt, including an itemization of any interest, fees, or additional charges. Copies of any documents bearing my signature showing I agreed to assume this debt. Proof that your company is legally authorized to collect this debt. Documentation showing that the debt is within the applicable statute of limitations. A complete payment history on the account. Until you provide proper validation of this debt, I request that all collection activity cease and that you do not report this account to any credit reporting agencies. If this account has already been reported, please mark it as disputed. This letter is not an acknowledgment or acceptance of liability for the alleged debt, nor is it permission to restart any statute of limitations period. Please respond in writing within the time required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Judgment Acquisitions Unlimited Inc
State: SC

Complaint narrative:
On or during the week of XX/XX/year>, I received a phone call from Judgement Acquisitions Unlimited requesting a past due payment in the amount of {$25.00}, for the month of XX/XX/year>. At this time, I asked what the full remaining Ballance and was told {$5000.00}. My next set of comments were as followed : This is incorrect, how is this amount possible, when I have been paying it down from the starting point of the agreement, which was significantly lower than what the person stated it to be. " She then stated that I, had changed the amount, and had now gone back on the agreed settlement amount because, also that she could make her own changes '. I then let her/ the person know the reason for my change was due to my medical status ( I have XXXX XXXX XXXX ) which had caused a significant decrease in my ability to work full time, as I so was taken back by her comments once the phone call was over, I called the company several times to straighten the issue out, but got no answer.

Company response to consumer: Closed with non-monetary relief