vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
Between XXXX and XXXX, I borrowed approximately $ XXXXin federally guaranteed XXXX  XXXX Subsidized student loans. 

Over the following three decades, I made voluntary payments and was subject to repeated Treasury offsets and other involuntary collections. 

InXXXXalone, the U.S. Treasury seized $ XXXXfrom my federal tax refunds, yet according to the Department of Educations Debt Resolution Payment History, $ 0of that amount was applied to principal 100 % was applied to interest and fees. 

As of XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lists an outstanding balance of about {$30000.00} ( principal $ XXXXand interest {$5000.00} ) .In total, I have paid more than $ XXXXtoward these loans, not including the Treasury offsets. 

OnXXXX I requested in writing that the Department of Educations Default Resolution Group provide : 1 ) a current balance breakdown ( principal, interest, and fees ) ; 2 ) a written payoff quote ; 3 ) a complete itemized transaction history showing how all payments and Treasury offsets were applied ; and 4 ) transfer and ownership information showing when the account was received by XXXX. 

The servicer has not provided a full accounting or explanation of how so many payments and offsets failed to reduce principal.I am seeking investigation into inaccurate or incomplete accounting and the disproportionate application of payments and collection costs on these federally held loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Account Servicing, LLC
State: CA

Complaint narrative:
I financed a diffuser system and oil subscription through Universal Account Servicing for a product sold by XXXXXXXX XXXX XXXXXXXX. 

The original diffusers were defective from the beginning. I contacted the merchant multiple times seeking resolution. After multiple conversations over an extensive time frame XXXX sent replacement diffusers ; however, the replacements did not resolve the issue. 

Specifically, the replacement diffuser was a different XXXX model that required a different XXXX oil bottle format than the one I originally purchased. The compatible XXXX bottles were not provided with the replacement unit. In order to attempt to use the replacement, I purchased the correct XXXX bottles separately. 

Even after doing so, the bottles leak severely and the diffuser system still does not function properly. As a result, I continue to have no fully functional diffuser system despite multiple replacement attempts. 

Because the machines did not function, I was unable to properly use the oils and subscription services I was billed for. I currently have a surplus of oil. I have paid over {$3400.00} toward this account, including interest. 

Universal Account Servicing has stated they can not modify or close the account without authorization from the merchant. XXXX has refused to authorize any settlement or meaningful resolution and has repeatedly redirected me to concierge staff without escalation. 

I am requesting assistance to : prevent collection activity while this dispute is under review require the merchant to address the defective product and failed replacement remedies allow a reasonable resolution or account closure without credit damage

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I had surgery and had a hardship with finances. I called my mortgage company who set up a forbearance plan. I did not receive mail regarding acceptance. I did get a letter saying they were canceling the forbearance due to no answer from me. I called, set up a new forbearance plan and did a verbal acceptance around XXXXXXXX XXXX XXXXXXXX. I then got phone calls about late payment, I called on XX/XX/XXXX and they have no forbearance on record. Going through notes and documents they were able to find the verbal acceptance and escalated to manager to be corrected. I was told to call back XX/XX/XXXX for an update. I just called and again, nothing is on file and I have to submit a new application for the forbearance program that I already submitted and accepted. 
My work also has send a form for them to fill out and send back due to they are wanting to help me bring my account current. They sent the form i believe its called vendor form so my work can add them to pay. They have not sent anything back. Ive sent this form a couple of times already as well from XXXX and XXXX, my work reached out in XXXX ( this month, ) and I never get a straight answer. I do not want to fill out an application for a forbearance plan for the third time, when it was already accepted. They are ignoring a request for XXXXnformation so my account cab be brought to current. Every time I call them, its the same process. Ive been back and forth with them for about XXXX months and nothing is resolved. Im getting nowhere with them no matter how many times I call, fax, email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXXXXX XXXX XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: OH

Complaint narrative:
Cancelled my card and sent new one without my permission, kept declining purchases, now won't activate my new card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint because Wells Fargo charged an unfair overdraft fee on XX/XX/XXXX, despite my account having a positive balance before the start of the business week. 
On XX/XX/XXXX, my account reached a negative balance of {$120.00}. I immediately took corrective action by securing XXXX separate cash advances to restore the balance : XX/XX/XXXX : {$55.00} ( XXXX ) Processed as an 'Instant ' transfer. 
XX/XX/XXXX : {$55.00} ( XXXX ) Processed as an 'Instant ' transfer. 
XX/XX/XXXX : {$25.00} ( XXXX ) Processed as an 'Instant ' transfer. 
Total funds deposited : {$130.00}. 
Because I paid additional 'Instant ' delivery fees to these providers, the funds were delivered to my account immediately and were available for the bank 's use. By XXXX XXXXXX/XX/XXXX, the account was technically positive. 
Despite the funds being present and available, the bank processed an overdraft fee on Monday, XX/XX/XXXX. I believe the bank utilized 'batch processing ' or ignored the effective dates of these instant deposits to unfairly maximize fee collection. I acted in good faith to resolve the negative balance instantly, and I am requesting a full reversal of the {$35.00} fee. '' I am not disputing the fee for XXXX. That was my fault. I'm disputing the fee for for when it was negative. {$120.00}

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: OK

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
CBE GROUP is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP 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 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am submitting this complaint regarding Chase Banks handling of a billing error dispute under the Fair Credit Billing Act ( 12 C.F.R. 1026.13 ).

I authorized a single in-store transaction for a specific amount on XX/XX/year>. After that transaction was completed, the merchant processed an additional charge of {$310.00}. I did not authorize this additional amount in person, by phone, in writing, or by any electronic means. 

The merchant alleges that I knowingly purchased a different item and consented to the additional charge. This is incorrect. At the time of sale, the item presented and scanned was represented as the originally intended purchase. I was not informed of any discrepancy at checkout, and no conditional or delayed pricing was disclosed. Any discrepancy resulted from a unilateral internal error by the merchant, which was not disclosed at the time of sale and did not confer authorization for any post-transaction adjustment. 

The merchant further alleges that the original transaction was refunded and replaced with a new charge. My bank statements do not reflect any refund prior to the adjustment. Instead, the transaction record reflects a post-sale increase in the amount charged. 

Chase has not produced evidence demonstrating authorization for the adjusted amount, such as an XXXX authorization log, signed receipt, recorded phone consent, or written approval. I was not present when the adjustment was processed, and the second receipt provided by the merchant of the post-sale adjustment lacks any evidence of authorization. 

Despite my written dispute and supporting documentation, Chase appears to have relied on the merchants narrative rather than evidence of actual or apparent authority for the adjusted charge. Merchant assertions alone do not establish authorization under Regulation Z.

I am requesting that the CFPB review whether Chase conducted a reasonable investigation as required by the FCBA and whether it improperly treated an unauthorized post-sale adjustment as a valid charge without proof of consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
OMNI FINANCI is falsely reporting on my credit. I have never had any accounts with them. Per my research OMNI FINANCI 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 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2026-01-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am the court-recognized owner of a property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, which I inherited through a Texas probate proceeding admitted as a Muniment of Title. 

On XXXX [ date ], 2026, XXXX XXXX XXXX at XXXX XXXX. XXXX of XXXX XXXX, Texas entered an Order Admitting Will to Probate as Muniment of Title in the XXXX XXXX XXXXXXXX XXXX XXXX ( Deceased ). The court order expressly states that : The Will is admitted to probate as a Muniment of Title ; No estate administration is necessary ; The Will and Order constitute sufficient legal authority to vest title to estate property ; Third parties may rely on the Order without liability ; and I am the sole beneficiary entitled

to the property. Under Texas Estates Code 257, a muniment of title probate transfers ownership by operation of law and does not require a deed, executor, or letters testamentary. Despite being provided : A certified copy of the court order, and The probated Will naming
me as beneficiary, PHH Mortgage has refused to recognize my ownership of the property. PHH has instead demanded documents that are not legally required under Texas law ( such as letters testamentary, an executors deed, or an open estate ), even though the court explicitly found that no administration exists or is required.

As a result of PHHs refusal to honor a valid court order : I am unable to update insurance or servicing records ; I am preve

nted from exercising my rights as the lawful owner ; PHH continues to treat the borrower as deceased with no recognized successor, despite court proof to the contrary ; and PHH has taken or threatened actions based on an incorrect assertion that ownership has not transferred.

PHHs position conflicts with Texas probate law and a final court order, and effectively nullifies a judicial determination. This creates improper barriers to servicing, insurance, and loss-mitigation communications and places me at risk of financial and legal harm. 

I am requesting that PHH : Acknowledge and honor the Texas probate courts Order Admitting Will to Probate as Muniment of Title ; Recognize me as the lawful owner and successor in interest to the property ; Update all internal records accordingly ; Stop the foreclosure scheduled for XX/XX/year> ; and Cease demanding documents that are not legally required or available in a muniment of title probate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I submitted a RESPA Notice of Error and Request for Information requesting acknowledgment of receipt, confirmation of review, and information regarding servicing, payoff, and account closure of my closed HELOC, including transaction history, internal servicing notes, and any account transfers or reallocations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX -- I receive a call from an AmEx representative saying that my account is under financial review and my XXXX and XXXX cards will be frozen. 
XX/XX/XXXX -- I submit the financial forms ( XXXX ) needed by AmEx for the IRS to release my income details XX/XX/XXXX -- My cards are finally unblocked XX/XX/XXXX -- I call in to request an annual fee reimbursement for the month I was not able to use the cards and after getting transferred multiple times and waiting for a callback I'm finally told that a reimbursement will not be available. I ask the supervisor how they can make this right and they do not offer ANY resolutions. 

This is absolutely unbelievable, truly. Why could this financial review not have occurred BEFORE my annual fee was assessed? This way I wouldn't be paying for XXXX cards only to not be able to use them. I not only was not able to use the cards but I was also not able to use the monthly credits given to me by these cards. Why would I pay for a service that I can not use? I will be cancelling these cards before the new annual fees post.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
XXXX US Code XXXX, hard inquiries with no explanation of loan or terms no letters received on hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have been banking with bank of America for the past 3 years, building a relationship with them, I'am genuinely thankful that from opening a secured credit card, went to an actual credit card. After XXXX years went by I recently added my kid 's to my account being linked under me. Between myself, an my kid 's I'am not to sure what made the claims that bad between fraud claims, an dispute charges, I did do some dispute charges, but the fraud claims was never on myself or my kid 's, an this is 100 % accurate. Bank of America did tell me that they would not report it to my credit bureau, that goes on my credit report. They said they won't. Coming to find out they tell customers that, but do actually do it, having to be 100 % accurate. But it's the lies. Also I don't want to mess it up for my kid 's future not having to bank, or get a loan, car or house because of what happened in their teenage life, that will affect them for the future when they become an adult. All in combination of my dispute charges, an fraud claims together probably wouldn't have reached this decision, of closing all my accounts, I've learned my lesson, as well as my kid 's. This is a life learning lesson for myself, an my kid 's. Didn't know that their dispute claims, an fraud claims, would affect my account in this way. Now that we know. We know better. But don't want it to go on my credit report. I do want reconsideration of a new account. But the bank is not doing that, closed out all my accounts, leaving me with bills unpaid.

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 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Found out that the phone number was changed on my XXXX account. Called XXXX and told them that that was not my number. Was told by XXXX that the phone number was changed on the XXXX or XXXX - can not remember which. Found out that over XXXX XXXX in purchases were made. from XX/XX/XXXX through XXXX. Maybe the one on the XXXX was me but i can not tell because not able to see the charges. Called XXXX  and told them. they initially reversed the charges. Then in XXXX place the charges back on my card. Called again and stated that the phone number on XXXX was not mine and the items were picked up in Florida. I do not live in Florida. They stated again that they would look at charges and received letter again stating previous decision stands. Purchases were XX/XX/XXXX {$66.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$650.00} XX/XX/XXXX {$520.00} XX/XX/XXXX {$790.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$520.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$10000.00}

Company response to consumer: Closed with explanation