vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Idaho Housing And Finance Association
State: SD

Complaint narrative:
In XXXX I called and spoke to Home Loan Serv because my stupid XXXX always thinks everything I try to pay is fraud. XXXX, the girl I spoke to told me I would be able to to a deferment if I waited until XX/XX/XXXX and I should call back to make a payment and get a deferment. She said I would even have options to lower my payment at that time. So naturally, I thought Freaking awesome! Would be great to have that happen. Call back XXXX first and am immediately shut down, told theres no was thats possible and now Im late and have fees and it will be reported to the credit bureau. So when I ( obviously ) reacted with frustration I was told yea she shouldnt have done that. Shes new and has you the wrong advice. You can have a payment plan of {$4300.00} a month to get caught up. Ummm excuse me, I can not afford that much a month and its THEIR fault this happened. I was also told to cancel a payment I submitted in XXXX by someone different, so I did that. And then paid a different amount with a different payment. Now theyre telling me because I did that I can not pay online anymore and have to mail my payments. This man also told me he didnt want to have to go research all my phone calls. To hear the bad advice and the would simply not overturn the you have to pay by mail stipulation they placed on my account. I messaged Home Loan Serve XX/XX/year> to see if theyd researched that call and reversed my no pay online stipulation and they said Id head back in XXXX days a today is the XXXX and I still have NO correspondence from them this company is scamming people and screwing people over. I have reported this to the BBB as well as here. They need to REMOVE the late payments on my credit and do something to make this right. I am absolutely happy to work with them to get caught back up but they need to right their wrongs and show me theyre trust worthy. I am also currently shopping around to refinance to get away from them but now that theyve reported us delinquently its harder than it should be. Thank you for the attention to this matters as a first time home owner this has been soul crushing to have such a horrible experience and be thrown into such a preventable and poppy situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
I never opened or authorized an account with this company. This account was opened illegally without my authorized signature. This company has made threats of legal action to sue me and also has harassed me over the phone. I repeatedly disputed this fraudulent account over 10 times now. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OFG BANCORP
State: LA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am submitting this complaint regarding a single 30-day late payment reported on my Apple Card account by Goldman Sachs Bank USA . 

The account was opened in XX/XX/XXXX, was otherwise paid as agreed, and has since been paid in full and closed. The late payment reported in XXXX was an isolated incident and does not reflect my overall payment history or credit behavior. 

I am not disputing that the payment was late ; however, I am requesting that Goldman Sachs review this matter for a goodwill adjustment. Since that time, I have maintained positive payment history across my accounts and have taken steps to ensure this does not occur again. 

I am requesting that Goldman Sachs either remove the single 30-day late payment as a goodwill courtesy or provide documentation verifying the accuracy and reporting standards used for this account. 

I am seeking a fair review and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I switched from XXXX XXXX to XXXX on XX/XX/XXXX, spoke with XXXX XXXX that same day and was told I had a {$0.00} balance. XXXX XXXX XXXX then started reporting {$160.00} to my credit on XX/XX/XXXX, I disputed the collection from this company on XX/XX/XXXX and the collection was removed from my credit file that same day. XXXX XXXX XXXX then reported the same collection AGAIN on my credit file on XX/XX/XXXX. Then on XX/XX/XXXX, Source Receivables Management also reported the same collection to my credit file. I don't see how this is legal, when I was told by XXXX XXXX that I had a {$0.00} balance and was paid through XX/XX/XXXX, XXXX XXXX XXXX has reported the same {$160.00} collection twice now despite the collection being removed from my credit file, and now a second company Source Receivables mgmt is reporting the same {$160.00} collection. This has severely damaged my credit and I never received a debt validation notice from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Subject : Complaint Regarding Inaccurate Apartment Debt on Credit Report Company Being Complained About : HUNTER WARFIELD I am submitting this complaint regarding an apartment-related account that is currently being reported on my credit report with false charges and an incorrect balance. 

This account is inaccurate and disputed. The amount being reported does not reflect what I legitimately owe, and includes charges that were never properly billed, explained, or agreed to. I have not been provided with valid documentation showing how this balance was calculated or that the charges are legitimate. 

Despite disputing this account, it continues to be reported on my credit report, which is causing financial harm, including damage to my credit score and denial of credit opportunities. 

# # # Issues with This Account Include : Incorrect and inflated balance Charges that are not supported by a signed lease or move-out statement Failure to provide itemized documentation Reporting unverifiable information to credit bureaus Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers are required to report accurate and verifiable information. Under the Fair Debt Collection Practices Act ( FDCPA ), collection activity must stop until proper validation is provided when a debt is disputed. 

# # # Resolution Requested I am requesting that the company : Provide full validation of the alleged debt, including a signed lease and itemized charges Correct the inaccurate balance immediately Remove this account from all credit bureaus if it can not be properly validated If the company is unable to substantiate this debt with proper documentation, continued reporting of this account should be considered a violation of federal consumer protection laws. 

I respectfully request the CFPBs assistance in ensuring this matter is resolved fairly and in accordance with the law. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: DE

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
XXXX XXXX is refusing to provide out the door pricing so that I can have my credit union proivde financing XXXX XXXXXXXX only wants me to use their banks which is discriminatory and shady. They wasted hours of my time today on a vehicle that I was ready to purchase. Specifically, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding the failure of the XXXX XXXX XXXX XXXX and my federal student loan servicer to implement a required borrower defense loan discharge under the XXXXXXXX XXXX XXXXXXXX settlement. 

I submitted a XXXX XXXX to Repayment application in XX/XX/XXXX based on my attendance at schools that are included in the XXXXXXXX XXXX XXXXXXXX settlement agreement. My application has remained pending for more than XXXX years without a final decision. 

Under the terms of the XXXX XXXX XXXXXXXX settlement, the XXXX XXXX XXXX  was required to issue a decision on my XXXX XXXX application by XX/XX/XXXX. The settlement clearly states that if no decision is issued by that deadline, the borrowers eligible federal student loans must be automatically discharged. 

As of today, no decision has been issued, and my loans continue to show an active balance with my loan servicer. This failure to implement the settlement has caused ongoing financial harm, including continued reporting of student loan debt, uncertainty regarding repayment obligations, and unnecessary administrative burden. 

I am requesting that the CFPB require the XXXX XXXX XXXX and my loan servicer to : Immediately discharge all eligible federal student loans pursuant to the XXXX XXXX XXXXXXXX settlement Refund any payments made on the discharged loans, as applicable Correct any inaccurate or negative credit reporting related to these loans Provide written confirmation that the discharge has been completed I have acted in good faith and complied with all borrower defense requirements. The continued delay represents a failure to comply with a binding federal settlement agreement. 

Thank you for your assistance in resolving this matter. 

XXXX XXXXXXXX XXXX XXXX XXXX Submitted : XX/XX/XXXX Loan Servicer : Aidvantage

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am writing to dispute {$3200.00} in unauthorized charges on my Apple Card. 

On XX/XX/XXXX. XXXX, these charges were made without my consent, involving shipping labels sent to multiple domestic and international locations. I did not authorize these transactions, and the charges are clearly fraudulent. 

I reported the fraud to Apple Card immediately on the same day of the incident. I also filed a police report and provided it to Apple Card. Despite my clear communication, Apple Card has conducted multiple investigations and reversed provisional credits that were issued during the dispute process. 

The latest decision from Apple Card states that the charges were " authorized '' by me, which is untrue. I have provided all requested documentation, including the police report, proving these charges were fraudulent. 

I have disputed the charges XXXX times with Apple Card, and each time, they initially provided a temporary credit while investigating, only to reverse the credit later. They are now insisting I pay for charges I did not authorize, despite clear evidence to the contrary. 

Request for Resolution : I respectfully request that the CFPB : Investigate this matter and ensure the disputed charges are removed from my Apple Card account. 

Confirm that no fees, interest, or adverse credit reporting are applied to my account due to these fraudulent charges. 

Confirm that I am not required to pay the fraudulent charges under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

Please assist me in resolving this issue, as I am not legally required to pay these unauthorized charges, and I should not be penalized for a case of fraud that was promptly reported. 

Supporting Documents : Police Report ( attached ) Emails from Apple Card ( showing reversal of provisional credit and dispute responses ) Note - I am only uploading XXXX of the Emails but there are dozens of them. 

Thank you for your time and assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On or about [ DATE ], Navy Federal Credit Union placed a hold on a {$500.00} XXXX transfer from my personal account. I was instructed to submit a written letter and identification to verify the transaction. 
I complied promptly and submitted the requested documentation. I was later informed that my initial submission was rejected due to being black-and-white, so I resubmitted a color copy of my government-issued drivers license along with the requested letter on XX/XX/year>. 
After further delay, Navy Federal requested a revised letter containing XXXX signatures, which I also provided. Despite full compliance with each request, Navy Federal has continued to delay resolution and has now shifted the issue away from the XXXX transaction entirely and is requesting additional account verification letters, without clearly explaining what remains unresolved or providing a timeline for release of funds.

Navy Federal representatives are now unable or unwilling to provide clear information regarding the status of the XXXX transfer or the specific reason for continued holds. The requirements have changed multiple times, resulting in procedural delays despite my repeated good-faith compliance. 
This is a {$500.00} personal XXXX transaction, not a business transfer, and the prolonged hold and shifting verification demands appear excessive and unreasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Third valid complaint re : Nationstar Mortgage, LLC ( Mr. Cooper and XXXX XXXX - both companies registered service marks of Nationstar ). Mr. Cooper ( MrC ) " sold '' our mortgage servicing to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025. I use the word " sold '' because it occurred within the same corporation known as Nationstar Mortgage, LLC ( Nationstar ) Problem is : XXXX only has provided us Form XXXX which reflects only mortgage interest paid and taxes paid for XXXX  after XXXX 'bought ' the mortgage from MrC in XX/XX/2025. 
I reached out to Mr C for the first half of XXXX  for this information to complete our XXXX  Federal and State taxes before the tranfer. But Mr.C tells us our mortgage servicing account with them is closed and they can no longer help us. I then reached out to XXXX - since both are a part of/subsidiary of Nationstar- but XXXX ( XXXX XXXX name, no supervisor, no office location and no employee ID # ) - informs me Mr C should send this information, but can't be sure since she works for XXXX. 
I thought this was Federal law to provide current or previous mortgage holders Form XXXX ( includes mortgage interest and real estate taxes paid, part or whole of the applicable tax year ) so mortgage holders could submit their XXXX and XXXX taxes as required. 
I studied all paperwork from Mr CXXXX from the XX/XX/2025 timeframe when our mortgage servicing was " sold '' or transferred between Mr C and XXXX  under the Nationstar corporate umbrella. I can not find anything that reflects MrC will provide XXXX XXXX for the time in XXXX  that we paid mortgage interest and MrC paid our real estate taxes. Nationstar- this complaint would be avoided if your employees somewhere communicated appropriately. 
Additionally, forms from Mr C from the XX/XX/2025 transfer reflect different amounts paid for our " town taxes '' ( actually township taxes for XXXX  ). This will probably be a subsequent and valid complaint needed to provide more detail. 
I thank CFPB for their existence and continued help for the little guy - American tax payer. I fail to understand why Nationstar continues to remain in business. One of the complaints before this one was that Mr C had over-calculated our escrow by roughly {$5000.00} ( XXXX XXXX dollars ) and then delayed for months to refund this overage which was clearly well beyond the XXXX months or so they are allowed to calculate escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo bank rolled over my CD at a lower rate than the one I had with them without informing me They are contending that they sent me a notice and I told them I did not receive today

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 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I sent {$2000.00} via XXXX from my Bank of America account to XXXX XXXX as payment for business banking setup services for XXXX XXXX XXXX. 

Despite multiple follow-ups over several months, no services were performed. No business bank account was opened, no confirmation from any bank was provided, and no official correspondence or documentation was received. 

I formally requested updates, confirmation, and a refund. The company failed to provide any meaningful response or resolution. A final written demand for a full refund was sent, but the funds were not returned. 

This constitutes non-performance of paid services and appears to be fraudulent or deceptive behavior. I am requesting assistance in recovering the {$2000.00} payment.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CO

Complaint narrative:
I ordered a pair of XXXX XXXX  from a fraudulent company online. I was able to gather all of the fraud information in a total of XXXX minutes. 

I put in a dispute to Chime to return my money. 


They are holding the funds and refusing to return them at all or not at all before XX/XX/year>, stating they are waiting on a response from the vendor. 

fake vendors don't respond. 

I know they were sued and lost this over this same situation, and i am writing to let you know they have not amended practices post suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
{$60000.00} was transferred form Citi Bank to XXXX XXXX  on XX/XX/year> for the down payment on a house. XXXX previous transfers of XXXX and XXXX were sent from the same Citi Account to the same XXXX XXXX  account the week prior. 

Citi told me this morning that my account was being closed, with no reason, and wouldn't provide status of the transferred funds.

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