vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: AL

Complaint narrative:
I was trying to play games then stumbled upon this i thought this was a game link when i clicked it it said get a credit card i didn't see that and just clicked when i did click it led me to questions i answered them all when i finished it said your card is going to get shipped here so i called support to cancel it and delete my account so i called them over 3 times and tried to delete it by they kept hanging up in my face after i tried emailing that didn't work either they kept sending the exact same message without helping i specifically stated i didn't have a card but i guess the automated account didn't read it so I became frustrated I looked online to see how to delete my account till i stumbled between a XXXX page about Netspend so i wrote my review after i finished i seen many XXXX star reviews I only saw XXXX XXXX and XXXX star reviews it was rated XXXX on XXXX i searched on XXXX and they said to keep calling and i didnt want to get the same message again because they are always asking to about the cards after i tried and tried i realized I had to fill out this complaint and also while trying to put my info in i accidently put a wrong SSN so now i have issues and i put a anonymous name in so i dont have problems just incase i want to cancel. Thank you for this service -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 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I purchased a XXXX phone and earbuds using Affirm financing. I returned the items within the return period. XXXX confirmed that the refund and return were successful, but Affirm continues charging me for the returned phone balance. I contacted both XXXX and Affirm multiple times, but neither company resolved the issue. Affirm told me XXXX did not returned the full amount to them so I have to pay pay the rest of the money for a phone and a earbuds I returned. XXXX says the refund was processed, while Affirm says XXXX has not completed the adjustment. I am requesting that the remaining balance be corrected immediately, all improper charges stopped, and any negative credit reporting prevented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
help URGENT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! FROM : XXXX XXXX XX/XX/year> XXXX XXXX ET Dear CITICARD : 1. NO One is answering your phone number. XXXX ... wait times over 30 min!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! insane!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 2. XXXX pending charge for XXXX via XXXX for a small tv, but that order immediately was canceled on XXXX a few minutes after initial order. why is this transaction still showing up in my pending charges with my CITICARD and pushing me overlimit as a result too? 3. It is tying up my available credit to make other purchases. Today is XXXX XXXX 4 days later, it should have been removed the same day, at the very latest the next day. Please help? Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email : XXXX cell : 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 2026-05-21 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: Nelnet, Inc.
State: IL

Complaint narrative:
I'm unable to make payments to my loan account through auto-debit and currently unable to make any changes to my loan on Nelnet or even sign in ; however, I'm still incurring interest. I had auto-debt with a .25 % discount since XXXX and it was NEVER applied. Therefore, the payments and my interest were applied incorrectly. I request this loan be analyzed and interest credited to my principal and all my historical payments be reapplied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: AL

Complaint narrative:
Hello officer One day a thief stole dollars from my account but I reported it to customer support but I still haven't gotten my dollars back. I know I'm late in reporting you because you said it was a few dollars, not a dollar, but I later thought that theft is theft.Whether it's small or big, it's never right for them to be indulged in. Please officer take an action with my unauthorized charges.murchant name XXXX My XXXX account XXXX XXXX XXXX I don't have XXXX account.thats a Big point.. I'm ensure you I'm not creating any account with XXXX company. Please refund my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am submitting a complaint regarding a late fee charged on my Kohls Capital One account. I made a large payment of {$2900.00} shortly after the due date. This payment reflects my clear intent to remain current on the account, and the delay was not due to inability or unwillingness to pay. I requested a one-time goodwill late fee adjustment, but my request was denied. Given the size of the payment and the fact that it was made immediately after the due date, I believe this situation warrants reconsideration. Although I have since closed the account, I am still requesting a fair, one-time courtesy refund of the late fee. I respectfully ask that Capital One review this situation and provide a reasonable resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I discovered a collection account reporting on my credit report that I do not recognize. I requested verification and documentation proving the alleged debt belongs to me, including account records and supporting documentation. The company failed to provide sufficient verification or documentation, yet the account continues to be reported on my credit file. I believe this information is inaccurate and unverifiable and I am requesting that it be investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
I requested that the mortgage company provide a complete payment history, documentation of my approved COVID-19 forbearance/accommodation, the payoff history of the mortgage account, and an explanation for why late payments were reported to XXXX XXXX XXXX AFTER the mortgage was paid off. I also requested correction/removal of the inaccurate late-payment reporting because the account was under a CARES Act COVID accommodation and should not have been reported delinquent while in approved forbearance. Additionally, XXXX does not report any late payments for this account, which indicates inconsistent credit reporting between bureaus. The reporting appears inaccurate and potentially noncompliant with CARES Act credit reporting requirements because the mortgage account was paid in full and was under an approved COVID hardship accommodation at the time the delinencies were reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: AZ

Complaint narrative:
I am an XXXX consumer who entered into a good-faith agreement with XXXX XXXX for XXXX XXXX services. I fulfilled my financial obligations, including an upfront payment and consistent monthly installments, trusting that the contracted treatment would be completed. XXXX XXXX failed to complete my treatment and subsequently filed for bankruptcy, leaving me without the service I paid for. Despite being the victim of this contractual breach, Tek Collect is now pursuing me for {$1300.00} a debt that stems entirely from XXXX 's failure, not mine. This collection effort violates my rights under : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 debt collectors can not pursue invalid debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 reporting an unvalidated debt causes unlawful credit harm Arizona Consumer Fraud Act ( A.R.S. 44-1521 ) unfair or deceptive collection practices are prohibited in Arizona Arizona Collection Agency statutes ( A.R.S. 32-1001 et seq. ) collectors must be properly licensed and act lawfully This invalid collection account is causing serious and ongoing harm to my credit standing and financial wellbeing. I fulfilled every obligation I agreed to. I respectfully request the CFPB investigate Tek Collect 's conduct and compel the immediate removal of this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ Data XXXX is collecting and reporting an invalid rental debt of {$3200.00} principal ( now {$3300.00} with accrued interest at XXXX % per annum ), Reference XXXX. The original creditor is XXXX XXXX XXXX, managed by XXXX XXXX XXXX XXXX. THE DEBT IS NOT OWED. The underlying lease was a fixed-term residential lease ending XX/XX/XXXX ( XXXX XXXX XXXX ). Written non-renewal notice was given on XX/XX/XXXX, which was 80 days before the lease 's XX/XX/XXXX notice deadline and 110 days before lease expiration. XXXX acknowledged the notice in writing on XX/XX/XXXX ( " Your current lease ends on XX/XX/XXXX '' ) and helped market the unit for a replacement tenant. Possession was surrendered on XX/XX/XXXX by returning the keys with video documentation. On XX/XX/XXXX, XXXX committed in writing to refund the {$600.00} security deposit to the forwarding address provided. XXXX weeks later, XXXX reversed course, kept the {$600.00} deposit, and issued a Disposition of Security Deposit listing a fabricated " Physical Move-Out Date '' of XX/XX/XXXX, charging {$2700.00} in XXXX rent ( XXXX % of the demanded balance ) for a month not occupied. The {$600.00} deposit has never been refunded. SPECIFIC VIOLATIONS BY IQ DATA XXXX : XXXX. 15 U.S.C. 1692g ( b ). A written dispute and validation request was mailed to IQ Data on XX/XX/XXXX, well within the XXXX validation window. IQ Data has neither validated the debt nor ceased collection. XXXX. 15 U.S.C. 1692e ( 8 ). IQ Data continued reporting the account to credit bureaus without dispute notation for months after timely written dispute. XXXX. 15 U.S.C. 1681s-2 ( b ). On XX/XX/XXXX, XXXX XXXX reinvestigation returned the account as " remained unchanged. '' IQ Data verified to XXXX a debt it has never validated to me directly, a separate FCRA furnisher violation. XXXX. XXXX XXXX. XXXX ( XXXX ) ( A ). False representation of the character, amount, and legal status of a debt not owed under the underlying lease or California law. XXXX. XXXX. XXXX. Code XXXX ( XXXX XXXX ). Incorporates the FDCPA into California law ; all violations above also violate state law. HARM : My FICO Score XXXX dropped XXXX points to XXXX ( Fair ) as a direct result of this invalid tradeline. The XXXX dispute completed XX/XX/XXXX returned " remained unchanged, '' prolonging the harm. A complete XXXX-page evidence packet is attached, including the lease, the XX/XX/XXXX formal exit proposal, XXXX XXXX XXXX XX/XX/XXXX written acknowledgment, the XX/XX/XXXX non-renewal notice, the XX/XX/XXXX deposit-refund commitment, the XX/XX/XXXX Disposition statement with the fabricated XX/XX/XXXX move-out date, the XXXX XXXX collection notice, my XX/XX/XXXX written dispute, and XXXX 's XX/XX/XXXX rejection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Dear American Express Executive Review Team, I am writing to request a review of a recent XXXX credit card application that was initially approved online but later automatically withdrawn before I was able to complete the acceptance process. At the time of application, the card included a XXXX XXXX XXXX points welcome offer. After submitting my application, I received an approval decision online. However, I did not immediately finalize the acceptance step and returned approximately two hours later, at which point the page was no longer available. The following day, I contacted customer service and was informed that the application had been automatically canceled by the system. I subsequently spoke with both customer service representatives and a supervisor, who confirmed that the original approved application could not be reinstated and that I would need to submit a completely new application. Unfortunately, the currently available offer is significantly lower than the original XXXX offer associated with my approved application. I fully understand that there may be internal timing or system policies related to application acceptance. However, this situation did not involve a credit denial, fraud concern, or any change in eligibility. The application had already been approved, and I fully intended to proceed with opening the account under the originally approved terms. Given these circumstances, I respectfully request that American Express review this matter and consider honoring the original approved XXXX XXXX XXXX points welcome offer as a goodwill accommodation. I have always valued American Express and hope there may still be a path toward resolving this issue fairly. Thank you very much for your time and consideration. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/2026, I mailed a written dispute and validation request regarding an alleged deficiency balance arising from a repossessed XXXX XXXX XXXX vehicle account. XXXX records confirm Jefferson Capital Systems , LLC received the dispute on XX/XX/2026. My dispute requested validation of the debt, proof of assignment, chain of title, and documentation establishing Jefferson Capital 's authority to collect. Instead of responding to the dispute and providing validation, Jefferson Capital filed a lawsuit against me in XXXX XXXX XXXX XXXX on XX/XX/2026, seeking {$9900.00}. Attached you will find all proof of claim. After learning of the lawsuit, I mailed additional notices to both Jefferson Capital and its attorney on XX/XX/2026. No substantive validation response was provided. I request investigation into : Failure to adequately respond to a written dispute Collection litigation while the debt remained disputed Failure to provide documentation supporting ownership and authority to collect Failure to provide an accounting supporting the alleged deficiency balance I request that Jefferson Capital provide complete validation and supporting documentation and correct any inaccurate information furnished regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: AP

Complaint narrative:
I am submitting this complaint regarding my auto loan with Westlake Financial due to concerns about inaccurate loan servicing, unexplained fees, and what appears to be improper amortization of my account. My spouse and I have consistently made payments on this vehicle loan over the course of several years. However, despite the length of time we have been paying on the account, the remaining balance is significantly higher than expected and does not appear to accurately reflect the amount that should still be owed based on the payment history. I have also noticed repeated late fees being charged to the account, even though my credit reporting does not reflect missed or delinquent payments. In addition, the account history appears to show multiple payments being processed within single billing cycles despite only one payment being submitted monthly. This raises concerns about how payments are being applied and whether funds are being allocated properly between principal, interest, and fees. I requested a copy of the original signed loan agreement, a detailed amortization and payment history, and clarification regarding unexplained account activity codes such as NXXXX XXXX and XXXX XXXX XXXX XXXX XXXX At this time, I am seeking a full review of the loan servicing practices associated with this account, including verification that payments have been properly credited and that the loan balance has been calculated accurately. Given the length of time payments have been made on this loan, the remaining balance appears excessive and inconsistent with what would reasonably be expected under a properly amortized auto loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — FHA 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: SERVICEMAC, LLC
State: FL

Complaint narrative:
I am an FHA borrower roughly XXXX months behind on my mortgage due to a job loss in XX/XX/XXXX. My loan is serviced by ServiceMac , LLC ( subservicer for XXXX XXXX XXXX ). I submitted a loss mitigation application on XX/XX/XXXX, which the servicer marked " XXXX. '' In early XX/XX/XXXX I called and requested a forbearance, which was placed on my loan effective XX/XX/XXXX. As the forbearance ended, I called again in XX/XX/XXXX to discuss next steps and expected to receive trial plan terms in writing, per standard FHA procedure. On XX/XX/XXXX, the servicer denied my loss mitigation application, citing that my loan " has exceeded the limit for defaulted trial plans. '' I appealed. On appeal, the servicer stated that a trial plan was issued in XX/XX/XXXX and that I failed to make the trial payment. This is the core problem : no trial plan was ever delivered to me through any channel. I was never given a trial payment amount or due date. I have searched every email from the servicer ( XXXX and XXXX ) and none contains a trial plan offer, agreement, or terms. I was locked out of the servicing portal from XX/XX/XXXX through XX/XX/XXXX which covers the entire XXXX window when the servicer claims the trial plan was issued. On XX/XX/XXXX, the servicer emailed me admitting that mail sent to me was returned undeliverable and that they may not have had an accurate address on file. Any mailed trial plan would have been affected by this. The servicer never called me with trial plan terms. Separately, between XX/XX/XXXX and XX/XX/XXXX I received XXXX XXXX XXXX stating they were " still actively working '' on my loss mitigation request the last sent XX/XX/XXXX, XXXX days before the denial. A representative later acknowledged by phone that these automated emails are misleading to borrowers. The denial also claimed I " indicated that [ I ] do not require reduced payments, '' which is false my current payment is roughly 43 % of household income and is not sustainable. A borrower can not default on a trial plan that was never delivered and whose terms were never communicated. I am requesting that the servicer produce documentation of the trial plan they claim was issued in XX/XX/XXXX including the payment amount, due date, the address it was sent to, and proof of delivery and that they reverse the denial and re-evaluate me for an FHA Partial Claim plus Loan Modification at a sustainable 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 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As of XX/XX/year> I started working for a client XXXX XXXX, doing XXXX hour shifts at XXXXXXXX XXXX an hour, Chase has flagged my account after putting a XXXX day hold on the check. They tell me they need a phone number to verify fund but I told them she no longer has that phone. They refuse to call the bank to confirm. We contacted my clients bank ( XXXXXXXX XXXX ) & they said they released the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A check was deposited to my account on XX/XX/XXXX but Bank of america shows will be on hold until XX/XX/XXXX and it does not make any sense to hold my money for that long giving a reason to make sure there is enough funds is unacceptable Its a payment from a business and theyve been transacting with Bank of america long before and I am a bank of america customer for 5 years now for them to hold my check for that long and I need the money to pay my rent

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