vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I submited an application for teacher loan forgiveness in XX/XX/year>. It was denied on XX/XX/year>. I corrected the errors on the application and resubmitted it. It was denied on XX/XX/year>. I completed a new application and submitted it on XX/XX/year>. I've called several times for updates, no update was provided other than, " its processing just wait longer ''. Today, XX/XX/year> I got a message via Aidvantage that it was denied. I called and they told me that the application was incomplete that only 1 page had been submitted. This is confusing because I submitted a PDF of a multipage document. How did it take one day for the applications to be denied the first two times for missing information on a specific page, but almost 4 months to deny an " incomplete '' application? When I call, I'm unable to speak to anyone higher up than the customer service rep. At one point one of them had me call XXXX XXXX XXXX, which told me they don't handle Teacher loan forgivenss. I feel like I'm getting the run around, as if Aidvantage does this a lot to people in order for us to feel frutrated and just give up! I'm a teacher, and part of chosing this career was because I was told teachers could earn loan forgivessness. Here I am 5 months in and no progress has been made, Aidvantage has a lot of negative reviews online for their handelng of Loan forgiveness. They say 60-90 days processing time. I'm at day 96. How come today 'd rep was able to tell me the application was " missing pages '' but every other time I called in XXXX, they just told me wait longer? So frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/year> Midland Credit Management , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am responding to your recent communication regarding the alleged debt referenced above. Under my rights provided by the Fair Debt Collection Practices Act, I request validation of this debt. Please provide : The name and address of the original creditor The original account number A complete accounting of the amount claimed, including fees and interest Documentation showing that I am legally obligated to pay this debt Proof that Midland Credit Management has authority to collect this debt I also request that all future communication regarding this matter be in writing only. Until you provide the requested validation, I dispute this debt and request that collection activity cease. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
CBE Group is reporting a collection account for an alleged XXXX XXXX XXXX debt of {$120.00}. My credit reports show this account opened XX/XX/year> and updated XX/XX/year>. XXXX shows it as a collection with {$120.00} past due as of XX/XX/year> and XXXX shows the same {$120.00} account in collection status. On XX/XX/year> I sent CBE Group a certified written dispute and debt validation request. Delivery was confirmed XXXX XXXX XXXX. The 30-day investigation deadline expired XXXX XXXX XXXX. CBE Group failed to provide competent documentary evidence validating this debt including documentation from XXXX XXXX XXXX, an itemized accounting of the {$120.00} amount, and proof of their authority to collect and report this account. CBE Group continues to furnish this account to consumer reporting agencies despite failing to validate the debt within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: SC

Complaint narrative:
Ive never used my chime account that i made over 9 years ago! i was trying to regain access to the account but i keep getting sent a email stating We noticed your Chime Checking Account didnt comply with the Deposit Account Agreement, which led to its closure. Your account will remain closed and is not eligible for a refund, since we werent able to verify ownership of the deposited funds. According to our system, this account is not eligible for a refund. For security reasons, I can not share more information about the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
To Whom It May Concern, I am disputing the validity of a debt that is being reported or collected in my name. I requested verification and proof that I legally owe this debt, but the company failed to provide sufficient documentation. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request validation of the alleged debt. The company has not produced a signed agreement or other competent evidence proving the debt belongs to me and is legally collectible. Because the debt has not been properly validated, I request that : XXXX. The debt be removed from my credit reports immediately. XXXX. All collection activity cease until proper verification is provided. XXXX. The company correct or delete any inaccurate information being reported. Please investigate this matter and require the company to comply with federal consumer protection laws. Thank you for your assistance. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I am reporting unauthorized transactions from my Money Network account totaling approximately {$9000.00}. I did not authorize these transfers and did not provide my account information or access to any third party. The unauthorized transactions include : - XX/XX/year> at XXXX {$150.00} transferred to a personal bank account, along with a {$3.00} transfer fee - XX/XX/year> at XXXX {$2.00} ATM decline fee - XX/XX/year> at XXXX {$8000.00} transferred to a personal bank account, along with a {$3.00} transfer fee - XX/XX/year> at XXXX {$1200.00} transferred to a personal bank account, along with a {$3.00} transfer fee These transactions were not made or authorized by me under any circumstances. I filed a dispute with Money Network as soon as I became aware of the unauthorized activity. The company denied my claim but did not provide sufficient explanation or evidence for the denial. They only provided transaction-level details such as routing numbers and trace numbers, which do not demonstrate that the transactions were authorized by me. I am requesting a full reinvestigation of these unauthorized electronic fund transfers and reimbursement of the stolen funds, as well as documentation of how the investigation was conducted and the basis for denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: MI

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

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 2026-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I am filing this complaint against XXXX for unlawfully restricting my account access and denying a legitimate transfer request. On XX/XX/year>, I attempted to initiate a wire transfer to an account and was denied. I stated to the fraud department that i would then transfer the funds to an account that has been linked to and actively used with my account for several years. This is a well-established, verified destination that has a long transaction history with my account. My request was denied. Rather than accommodating this reasonable request, the bank proceeded to freeze my account entirely, blocking my access to my own funds. I have not been provided with a clear, lawful reason for either the transfer or the subsequent account freeze. I have not been accused of any wrongdoing, and the destination account is one the bank has recognized and processed transactions to previously. This action has caused me significant financial hardship, as I am unable to access or manage my own funds. I am requesting that the CFPB investigate this matter, require the bank to provide a written explanation for these restrictions, and compel them to restore full access to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I requested carpet cleaning months and months before putting in my notice to vacate and it was never done. I asked for XXXX XXXX replacement but was told not to worry about it due to a walk through being done for the entire complex a month before my move out that would have all my request completed due to an inspection they where having done. My apartment was intentionally skipped due to me putting my XXXX days notice in. Then i was told i only had XXXX deposit on file after telling the XXXX i was made to pay double deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Capital One account was in good standing before it was unexpectedly closed in early 2025 while I was traveling. After returning, I found the account closed and the balance increasing despite multiple payments totaling over {$600.00}. I repeatedly requested statements, payment history, and a breakdown of fees and interest, but the company did not properly provide them or resolve the issue. I was told failed autopay attempts and interest charges consumed my payments, causing the balance to continue increasing. I am requesting a full review of the account, fee adjustments, hardship assistance, and correction of negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, I realized I had unauthorized charges of about {$270.00} in my account. I called Suncoast Credit Union immediately to report them, and while on the phone, I realized my card was actually missing. they are refusing to give my money back and Under Regulation E ( 12 CFR 1005.6 ), my liability should be capped at {$50.00} because I reported the loss within two business days of discovery ( XX/XX/XXXX ). However, the Suncoast representative refused to honor this, incorrectly stating that the two-day reporting window started on the date of the charges ( XX/XX/XXXX ) .I am filing this complaint because the credit union is misapplying federal law to avoid capping my liability and is refusing to properly investigate or credit my account for the unauthorized approximately {$270.00}. XX/XX/XXXX at XXXX when I saw the unauthorized charges, I called right away, reported the unknown charges and realized my card was gone on that call. XX/XX/XXXX I I noticed that the claim was closed. I called up got a representative that told me I needed to email the dispute team and she couldnt do anything about it. That was at XXXXXXXX XXXX XXXX XXXX XXXX I called back and spoke to a male representative and he said because it was more than two days that I reported the card was lost that there was nothing they could do. I then asked to speak with a supervisor the supervisor pretty much told me the same thing. I told her about this law and she said shed forward it to the correct department and theyll be back in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Healthcare Finance Direct LLC.
State: WA

Complaint narrative:
In XX/XX/XXXX I was recruited via phone call by a representative of XXXX XXXX XXXX, a sales training company, and directed to take out a {$5000.00} installment loan through Healthcare Finance Direct ( HFD ) under a provider called XXXX Family. The loan proceeds went directly to XXXX XXXX I never received or controlled the funds. I later discovered that XXXX XXXX XXXX was officially administratively dissolved by the state of Utah prior to my enrollment. Despite being dissolved, the company continued enrolling clients and directing them to obtain financing through XXXX XXXX, a separate entity under the same ownership. XXXX approved and serviced this loan without properly vetting that their provider was operating as a dissolved company. I never received a signed contract from XXXX XXXX. When I requested my contract in XX/XX/XXXX, XXXX XXXX confirmed in writing that the contract failed to deliver to my email and that I never signed it. Despite having no signed agreement with me, HFD continued collecting monthly payments of {$250.00} for 8 months totaling approximately {$2100.00}. The company made verbal promises that cancellation was simple. The actual written cancellation policy requires generating {$25000.00} in revenue for the company before cancellation is even considered. I am filing this complaint against Healthcare Finance Direct for approving and servicing a loan on behalf of a dissolved company operating illegally. HFD failed to properly vet their provider and allowed a fraudulent transaction to proceed. I am requesting HFD cancel this loan immediately and refund all payments made totaling approximately {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 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: CA

Complaint narrative:
On XX/XX/year>, I had to leave town. I asked XXXX, whom I believed to be a friend, if she would look after my apartment and retrieve my mail and packages while I was away, since I was expecting several deliveries. She agreed, and I gave her my spare key. I returned home on Friday, XX/XX/year>. That evening, I spoke with XXXX and asked where she had placed my mail. She told me that some of it was on the table and that, on a few occasions when she was in a rush, she had taken some of it with her. At that point, I was not concerned. The following Saturday afternoon, I called her again. She stated that she had a few things to do and would call me once she got home so I could stop by and pick up the rest of my mail. However, I never received a call that Saturday. On Sunday night, I attempted to contact her again, only to discover that her phone number was no longer in service. Afterward, I began noticing that certain items in my home were out of place. I checked the folder where I kept important personal items and discovered that my XXXX XXXX card was missing. Initially, I was not overly alarmed because the card was already maxed out. However, I also discovered that my California ID was missing. At that point, I became seriously concerned because I was expecting my debit card to arrive in the mail at my residence. I immediately checked my bank account and discovered that my account had been completely emptied, leaving a XXXX balance. I contacted the bank informed them of the incident, let them know that I had not authorized any transactions and had not received my debit card. I also informed them that I was just returning from a trip in Texas. After the initial denial, upon the appeal process I sent in supporting documents as I was advised to do so on several occasions. Noticing a pattern with each request it became evident that, I was getting no where as they appeared to disregard any documents that I had previously sent. I determined this due to the fact that I was repeatedly asked for the same information. I provided as much information to prove my whereabouts as I could. Additional information provided by consumer : XXXX Consumer wanted to check on the complaint, he said its suppose to go to Bank Of America.

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 2026-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I was a customer of XXXX. My account was transferred to Continental Finance / XXXX XXXX without my request and without my signature on any agreement with Continental Finance. I never applied for, opened, or used a XXXX XXXX card. Continental Finance charged me a {$99.00} annual fee I never authorized. I never received the card despite requesting it at least 5 times over more than XXXX year. My minimum payment was unilaterally increased from {$25.00} to {$45.00} without the required XXXX advance notice under Regulation Z. I sent a formal certified dispute letter confirmed delivered by USPS to their legal department and received no substantive response for over XXXX year. On XX/XX/year>, their representative XXXX XXXX confirmed they had no record of the certified letter despite XXXX proof of delivery. Representative XXXX XXXX disconnected my call at XXXX XXXX on XX/XX/year> without resolution. My credit score dropped over XXXX points while this dispute was active and unresolved. Access to my account statements was blocked unless I signed new terms I never agreed to. Violations include : Fair Credit Billing Act ( 15 U.S.C. 1666 ), Truth in Lending Act / Regulation Z, Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and Florida FDUTPA. I demand : ( 1 ) full reversal of the {$99.00} fee and all related charges ; ( 2 ) immediate removal of all negative credit reporting ; ( 3 ) written confirmation of dispute status.

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 2026-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I got a letter today XX/XX/XXXX from Radius Global Solutions LLC, which says I have an outstanding debt as of XX/XX/XXXX amounting to {$52000.00}. I already filled up the letter and marked the box saying This is not my debt. Tomorrow morning, I will send the letter back to them. In those days, I already informed you that I am a victim of identity theft. Please look into the matter and help me out. Thank you.

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 non-monetary relief