vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information currently being reported on my credit report. I attended XXXX XXXX XXXX and began my program in XXXX. I successfully completed the program, and the school utilizes XXXX for their student loansnot Nelnet. I have already contacted the school and confirmed that XXXX is the correct loan servicer associated with my education. However, my credit report is currently showing a loan account with Nelnet in the amount of {$7800.00}, which I believe is inaccurate and not associated with the loan provider used by my school. The correct loan account is with XXXX, which currently reflects a balance of {$5100.00}. Because of this discrepancy, I am requesting the following : A full investigation into the Nelnet account being reported. Removal of the Nelnet account from my credit report if it can not be properly verified as accurate and associated with my loan. Verification and review of the XXXX account for accuracy, and removal if any inaccuracies or reporting issues are found. This inaccurate reporting is negatively affecting my credit, and I ask that this matter be handled promptly under the Fair Credit Reporting Act ( FCRA ). Please provide me with documentation supporting the validity of these accounts or remove them accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing a complaint regarding funds that have not been returned to me after being deposited into a closed account at Wells Fargo. A refund in the amount of {$100.00} and some cents was sent to a Wells Fargo account that had already been closed. At the time of closure, I owed approximately {$36.00} to the bank. I understand that Wells Fargo may have the right to apply those funds toward the outstanding balance. However, after applying the {$36.00} owed, there should be a remaining balance of approximately {$73.00} owed to me. It has now been over 30 days, and I have not received the remaining funds, nor have I been provided with any explanation regarding the status of this money. I have not received a check, notification, or communication indicating that the funds were processed, mailed, or otherwise handled. This delay is unreasonable. I spent over 1 hour in a Wells Fargo branch today and was only able to get a copy of my statements after escalating the issue over the telephone, and the statements did not even reflect the {$100.00} deposit or the {$36.00} payoff. The local bank was unwilling to help me at all. The charge off department is mailing a check tomorrow, but was unwilling to overnight it or authorize the branch to refund my money on the spot even though they have now held my funds for 31 days. I was still not given a copy of the letter stating my account was being closed by Wells Fargo as requested, and was told by the local bank representative that she was unable to do that. The branch address where I was attempting to be assisted is XXXX XXXX XXXX XXXX, XXXX XXXXey, AZ 85737.

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
Consumer complaint received 2026-04-13 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: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I am disputing all charges and fees from XX/XX/XXXX through XX/XX/XXXX. These transactions were not authorized. As a result, the balance, late fees, interest charges, and any related penalties are incorrect and should be removed. I am requesting correction of the account balance and removal of all associated fees and interest. XX/XX/XXXX {$100.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$5.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$29.00} XX/XX/XXXX {$6.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$3.00} XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Hello, On XX/XX/year> Rocket Mortgage arbitrarily withdrew my initial escrow account deposit of {$1000.00} that I had made at the closing so that there would be some extra funds in order to pay for any increases in property taxes and insurance in the following year. After contacting them, they said that the money was used to pay the seller for something. I then replied that this is a mistake because everything was accounted for at the closing and there was nothing left outstanding. It has been about 30 days and I have not heard anything from them. Can you please help? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc.
State: AZ

Complaint narrative:
XXXX Mortgage accepted and posted my mortgage payment on XX/XX/year>, before my servicing transfer effective XX/XX/year>. That payment was intended to satisfy the XX/XX/year> due date. After the transfer, my new servicer, XXXX, has continued to show the XX/XX/year> payment as unpaid and my account as delinquent. I have already filed a complaint regarding XXXX because the payment was not properly reflected after transfer. I contacted Valon to confirm whether my XX/XX/year> payment and related payment history were transferred to the new servicer. Valon told me the transfer process may take up to 60 days, but could not confirm whether my specific payment had been forwarded, could not provide any status update, and refused to open a case or research request. My complaint against Valon is that : Valon accepted and posted my XX/XX/year> payment before transfer Valon can not confirm whether or when that payment and payment history were sent to the new servicer Valon refused to open a case or provide a status update when I asked for information As a result, my payment remains missing in the new servicers system and my account is showing delinquent I am requesting that Valon investigate this transfer issue, confirm the status of my XX/XX/year> payment, and coordinate with the new servicer so the payment is properly reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OPORTUN FINANCIAL CORPORATION
State: PA

Complaint narrative:
This late payment is negatively affecting my credit. I am requesting a correction or removal as a goodwill adjustment due to a one-time isolated late payment that has been fully paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: MA

Complaint narrative:
I sent Valon a copy of my current Homeowners policy on Thursday XX/XX/year>. ID # : XXXX, this is the ID of the rep I spoke with. She stated my homeowners was forced placed. I indicated I sent over a copy of my current active homeowners policy last Thursday XX/XX/year>, and should not be required to Escrow for homeowners insurance. I emailed a copy of my active homeowners policy, twice, XX/XX/year> and today XX/XX/year>. I should not be required to escrow for homeowners insurance, I have an active policy. The only communication I received was on XX/XX/year> stating I have forced placed insurance. I did not receive any other communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pollack & Rosen, P.A.
State: OH

Complaint narrative:
The caller has spoofed a different number every time they call. then the caller went on my XXXX account, saw a post I posted about my XXXX telling people they are great and if you need help my XXXX place is worth a call, then 1st spoofed my XXXX PHONE NUMBER in the morning and spoofed a different later that came up as XXXX. They call my phone all hours of the day and night they'll call one call not get an answer and get sent to voicemail and then immediately call from a different number. every time I block their number they call right back with a different number every single time and it does not stop it's all the time. I am literally at the point where I send everybody to voicemail specifically because of this XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have been unable to access any funds on my Cash App account since the first week of XX/XX/year> and have been completely locked out of my account since the middle of XX/XX/year>. My phone number and email have not changed, and I have made repeated attempts to access my account without success. I have contacted Cash App support at least XXXX times regarding this issue and was repeatedly told to wait and try again. Despite following all instructions, no resolution has been provided, and I remain fully locked out of my account. There is currently a balance of over {$2000.00} in my account that I can not access. Cash App is continuing to hold my funds without providing a clear explanation or a way for me to withdraw my balance. This situation is unacceptable. I am requesting immediate action to either restore my access to the account or release my full remaining balance. I have made multiple good-faith attempts to resolve this directly with Cash App, but they have failed to provide any meaningful assistance or timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX a portion of my ( XXXX XXXX ) paycheck in the amount of {$800.00} was deposited in a checking account with BMO Bank. That account was in my wife 's name ( XXXX XXXX XXXX. All of our finances are combined and we have been married nearly 10 years. It did not cross either of our minds that this could possibly be an issue. BMO placed a freeze on the {$800.00} as well as the account and we were unable to log in to view any information. We had no idea why we could not log in or why we no longer had access to that money. We were simply provided a customer service number to call when we tried to log in. After calling in multiple times and getting different answers as to what was going on, it was finally explained to us that the issue was that it was my paycheck had gone into an account that did not have my name on it. At that point we were quite frustrated because it had taken so long just to figure out what was going on, let alone how to fix it. We were then told that we could either add me ( XXXX XXXX to the account or allow the account to close, at which point the balance would be mailed to us as a check. We were not interested in continuing any kind of relationship with the bank after all of this so we did not want to take option XXXX and add me to the account. We instead allowed the account to close and then waited for a check to arrive. When a check did not arrive after a few weeks we called in to ask what was going on and we were told that the person who had told us a check would be mailed had been wrong, and that the only way for us to retrieve the money was to visit a BMO branch. When we visited a BMO branch the banker explained to us that they could not re-open the account to allow us to withdraw the funds, and also that if we opened a new BMO account they would NOT be able to transfer the funds into that new account. They then explained that the only way to get the money back from BMO would be for the original issuer to recall it. I contacted XXXX, which is the payroll processor my employer uses to ask if they could recall the transfer. They explained that they could only do that within 5 days of a direct deposit being issued and it had been a few months at that point. Then, with the help of my employer, we contacted XXXX XXXX, who my employer 's business checking account is with, to file a request to have those funds recalled from BMO. Today, on XX/XX/XXXX, my employer received a letter from XXXX XXXX stating that they were unable to recall the funds because it had been too long. Synopsis : BMO has {$800.00} of my money, they will not transfer it to me. The two institutions ( XXXX and XXXX XXXX ) who BMPO says would need to recall those funds have both informed me that they are unable to do so.

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 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am an eligible borrower under the CFPB v. Navient settlement. My federal student loans originated in the XXXX and passed through multiple predecessor servicers, guaranty agencies, and GC Services during collections. My current address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) matches the address used by GC Services in 2015. I contacted XXXX XXXX after the XX/XX/XXXX date provided in the CFPBs guidance. Rust responded that no record was located and that all eligible consumers have been sent a check. This appears to be based only on the issuedcheck database used by the call center, not the full internal eligibility list that includes XXXX legacy data. Because of the age and complexity of my loan history, I believe my record may not have been included in the initial match and requires a manual review of XXXX legacy data, guaranty agency records, and predecessor servicer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : COLLECTIONS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIERES : XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX XXXX, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Total loss XX/XX/year> My auto insurance paid over car value XXXX insurance said car loan paid Loan tell me I still owe {$8000.00} more after auto Insurance paid off car {$15000.00} loan paid over XXXX XXXX in payments auto insurance paid XXXX But I owe XXXX more Then loan told gap denied claim but I stoke to XXXX and receive paper from gap, there was nothing for gap to pay car was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to formally dispute and correct inaccurate information that Wells Fargo continues to use in my case. Your recent communication references an amount of {$48000.00}. I want to make it absolutely clear that my daughters account has NEVER had that amount, and this figure is completely incorrect and unrelated to our claim. The actual fraudulent transaction we are disputing is a wire transfer in the amount of {$6900.00}, which was initiated without authorization due to fraud. This repeated use of incorrect information raises serious concerns about the accuracy and integrity of your investigation. It appears that my case has either been mishandled or confused with another account. I respectfully request : Immediate correction of all records related to this case A full and accurate reinvestigation based ONLY on the correct transaction amount of {$6900.00} A written explanation of how this error occurred Reimbursement of the fraudulent amount Please note that I have escalated this matter to the Consumer Financial Protection Bureau ( CFPB ), and this discrepancy will be included as part of my complaint. I expect a prompt and accurate response.

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 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: IA

Complaint narrative:
Subject : Dispute of Invalid XXXX Debt Sent to Collections I am filing a complaint regarding an invalid debt that has been sent to collections. The original creditor is XXXX. The collection agency is Credence Resource Management LLC. Before moving overseas, I contacted XXXX and requested cancellation of my service line. Despite this request, the line was not cancelled, and I was billed for service I did not use. These charges were later sent to collections without proper resolution or investigation. I contacted XXXX directly to resolve the issue, but they refused to assist and directed me to the collection agency. I dispute this debt for the following reasons : - I requested cancellation of the service prior to the charges- The service was not used during the billing period - The charges are a result of XXXX failure to process my cancellation request I am requesting the following resolution : - Immediate investigation into the validity of this debt - Removal of the collection account from my credit report - Correction of any inaccurate reporting associated with this account This situation has negatively impacted me due to no fault of my own, and I am seeking a fair and accurate resolution. Sincerely, [ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
I signed up for an Indigo Mastercard through Concora Credit because they advertised a credit card to people with lower credit scores. I have since been unable to keep up on payments because the minimums are constantly growing, and I have have paid {$310.00} this year and remain over limit because of the fees, I did not get over limit because of my spending and have used the card for only XXXX gas purchase in 2026. I am charged {$91.00} a month in fees that are predatory and were not disclosed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
A fraudulent wire of {$160000.00} was sent from my SoFi savings account to a scam account at XXXX XXXX who was falsifying themselves as my title company for an upcoming home purchase. The wire was sent on XX/XX/year> from SoFi to XXXX XXXX. I realized it was a scam approximately XXXX hours later ( XXXX ) and notified XXXX XXXX to initiate a recall on the wire. I also filed a FBI report that same day. The FBI sent me an email instructing XXXX to send a hold harmless letter to the recipient bank ( XXXX XXXX ) and reference the FBI case file report #. I have received conflicting information on whether this hold harmless letter was ever sent or not. This is a very important step in hopefully returning the majority of my life savings back to my SoFi account. The customer service and wire team at SoFi have been beyond horrible and show no urgency to prevent this robbery and scam. I can not rest in the fact that they are trying to advocate for me as the customer at all despite multiple calls and direct guidance from the FBI to sent a hold harmless letter via email to the recipient bank account at XXXX XXXX. I need someone at SoFi to care enough about this large amount of money stolen from me and communicate appropriately.

Company response to consumer: Closed with explanation