vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding my auto loan with Santander Consumer USA for a XXXX XXXX XXXX. I am currently working XXXX in XXXX as a XXXX XXXX XXXX XXXX XXXX. Due to the nature of this overseas assignment, my ability to immediately manage financial and household matters in the United States has been limited. During this period, my household also experienced a serious medical hardship involving hospitalization, which created an unexpected disruption in our ability to keep the account current. We have made good-faith attempts to contact Santander Consumer USA to request hardship assistance, including the possibility of a temporary deferment or structured payment arrangement so the account can be brought back into good standing. At this time, there is concern that repossession activity may occur before the hardship request is properly reviewed or before a reasonable arrangement can be discussed. Repossessing the vehicle during this situation would create significant hardship for my household and make it more difficult to stabilize the account. I want to make clear that I am not disputing the loan and I fully intend to meet my obligations. I am simply requesting a fair opportunity to work with Santander Consumer USA on a temporary hardship solution while my overseas assignment and current medical hardship are being addressed. I respectfully request that the CFPB escalate this matter so the account can be reviewed by Santanders hardship or executive resolution team and that repossession activity be paused while the hardship situation is evaluated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 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: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
This company has received payment for this debt. On XX/XX/XXXX, I made a payment of {$100.00} as part of a payment plan with ( TSI ) Transworld Systems Inc. This company was attempting to collect a debt previous to this. I have attached receipts for the payment plan, a reciept for a payment of {$100.00}, the first payment of the payment plan. The debt collector is now reporting that this debt opened after they received the payment for {$100.00}. They also are not reflecting the payment that was made. I am also attaching an email dated ( XX/XX/XXXX ) before the date that the debtor is claiming that the account was opened. This is incorrectly showing both dates and the balance incorrectly. This company is intentionally misrepresenting this debt in an attempt to both get me to pay on a debt that has already been paid, but also this is holding myself and my family back. This is a financial burden that is illegally being reported. I mailed this company and asked them to validate the debt and/or show the ledger of the debt and correct dates, they received that on XX/XX/XXXX certified mail. I have also disputed online with all bureaus, they have illegally validated this and are still showing it incorrectly on all 3 reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX for the debt of XXXX from Lvnv funding i mail it certified mail no response I have a tracking number I ask until such validation is provided, please cease all collection activity and communication with me except as required by law this debt collector fall to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
I am filing this complaint regarding an installment loan issued through Affirm to finance a marketing program called XXXX XXXX XXXX On XX/XX/XXXX, I enrolled in the XXXX XXXX XXXX program and paid {$900.00} upfront while financing {$8900.00} through Affirm. The program marketed that it would generate 12 client intakes within six months using their marketing system. If that goal was not achieved within six months, the company stated they would continue working with participants until the results were achieved. I participated in the program as required, attending coaching calls and completing assignments. The programs primary lead generation method, XXXX Ads, was not launched until XX/XX/XXXX, more than six months after I joined the program. On XX/XX/XXXX, XXXX XXXX XXXX shut down operations completely, only four days after launching the advertising campaign. At the time the company closed, the program had generated XXXX leads and XXXX client intakes. I filed a dispute with Affirm explaining that the service purchased with the loan was not delivered as promised. Affirm denied the dispute and stated that the merchant had a no-refund policy and that the loan was older than 120 days. However, this issue is not about a refund policy. The core issue is that the merchant ceased operations before delivering the promised services, leaving me responsible for a loan for services that were not delivered. As a small business owner attempting to build a therapy practice, I relied on the representations made about the programs results when agreeing to finance the purchase. I am requesting that Affirm review this situation again given that the merchant shut down and can not fulfill the advertised services tied to this loan. Supporting documentation showing the marketing promise, timeline of events, and proof of the company shutdown is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INC - XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/XXXX, I made an ATM withdrawal in the amount of {$300.00}. I was given the choice of receiving it in $ XXXX, $ XXXX or a combination of both. I chose $ XXXX. The machine dispensed 6 bills, which would be {$300.00} in $ XXXX. However they were $ XXXX, leaving me {$180.00} less than what I withdrew. I immediately called customer support, and they opened a claim to resolve it. After the 7-10 day timeline to investigate that they gave me. They closed claim saying they did not find an error with the machine. I have been disputing this matter for two months now, and after getting the run around they tell me the claim is closed and can not do anything.

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 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Date : XX/XX/XXXX To : PHH Mortgage XXXX Attn : Loss Mitigation / Error Resolution Department Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Notice of Error Improper Denial of Loss Mitigation and Dual Tracking Borrower Name : XXXX XXXX, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Loan Number : XXXX To Whom It May Concern, I am writing this formal Notice of Error pursuant to 12 CFR 1024.35 ( Regulation X ) regarding the improper denial of my loss mitigation application and the subsequent referral of my account to foreclosure. Description of Error : PHH Mortgage has claimed that a Loan Modification Agreement was mailed to my property and subsequently denied my application because the documents were not returned. However, I never received this mailing. Despite my good-faith efforts to participate in the modification process, PHH has moved my file into foreclosure based on a mailing failure that occurred on your end. I am formally asserting that PHH Mortgage committed the following errors : Failure to provide a valid offer : No agreement was delivered to the property, depriving me of the opportunity to accept the terms. Improper Denial : Denying a modification based on " non-response '' when the offer was never received is an administrative error. Violation of Dual Tracking Restrictions : Proceeding toward foreclosure while a borrower is in the process of loss mitigation ( and when a denial is based on a servicer-side mailing error ) is a violation of RESPA guidelines . Request for Documentation : Under 12 CFR 1024.36, I am also requesting the following information : A copy of the Communication Log for my account from XXXX XXXX to the present. Proof of Mailing for the alleged Modification Agreement, including the specific date, time, and USPS tracking number or manifest showing it was accepted by the postal service. The name and contact information of the specific representative assigned to my file. Required Action : I request that PHH Mortgage immediately stay all foreclosure proceedings, reopen my loss mitigation file, and provide me with a copy of the Modification Agreement via both Certified Mail and email so that I may review and sign it. Please acknowledge receipt of this Notice of Error within five ( 5 ) business days as required by federal law. Sincerely, XXXX XXXX ( 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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I was released from XXXX after spending almost 3 months XXXX XXXX. I had to get a new phone because the one that I was XXXX with was left inside of my vehicle which was on XX/XX/XXXX of XXXX during that time. My vehicle was released to friends the time that I was XXXX and they took my phone, my wallet and had access to my account through my phone. When I was able to get back to my account which was on XX/XX/XXXX of XXXX I disputed transactions with Chime for transactions that took place from XXXX of XXXX to XXXX XX/XX/XXXX. I disputed 21 transactions that I had no way of making because I was in XXXX at the time for a total of $ XXXX dispute was filed on the XXXX and closed on the XXXX with an instant denial, and then reported another six transactions, which a dispute was created on the XXXX. I gave them documentation on the XXXX of XXXX for paperwork from the XXXX stating that I was XXXX at the time of those transactions. Those transactions were six totalling {$170.00} they were denied on the XX/XX/XXXX. I still have two active disputes with them 1 for {$300.00} and 1 for {$180.00}, both disputed transactions were opened on XXXX XXXX. I have talked to them directly through phone numerous times throughout this whole entire time. Which one time I was told that I was gon na get a provisional credit or temporary credit. I called the next day to ask about. I was told that I wasnt gon na get it because I didnt fall within the 60 days which I then stated and provided in the documentation showing that I was in XXXX couldnt make a dispute timeline because I was XXXX. Some of the transfers made to the person on my account were prior to my arrest so anything after that is physically impossible for me to do considering i was behind XXXX, which they have not taken into consideration or anything for that matter. I havent been able to reach that person and since then havent sent or had any contact with that person and so they want to say because I have prior transactions with that person that Im denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: WA

Complaint narrative:
Im trying to understand how i took a loan out in 2008 for XXXX dollars and have been making the monthly payments since it started, but still owe XXXX dollars and have already paid them XXXX dollars. This is predatory. Ive already paid XXXX percent of this loan and still owe XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have no used my credit card in more than two years. When it was set to expire a replacement card sent to me was intercepted and used fraudulently for three transactions. Two transactions were with the physical card, one was online. I disputed these charges one day after they were made within minutes of being made aware of them. That was XX/XX/year>. The initial dispute resolved the online purchase, but Bank of America will not resolve the purchases made in person despite not being able to prove I received the card and that I reported it as not-received when I made the initial 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 monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NY

Complaint narrative:
Its a credit card debt collection from Jefferson capital system llc-but the legal time limit for suing to collect this debt called the statute of limitations has expired already-its already a violation of federal law -the fair debt collection practices act

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Klarna AB
State: OH

Complaint narrative:
I am disputing an unauthorized {$290.00} charge made to XXXX using a Klarna-issued virtual credit card. I have never created a XXXX account and never authorized any gambling transaction. Klarna denied my fraud claim stating the transaction was made from a trusted device, but this does not address that the merchant account receiving the funds was not mine. I had to make my purchase to " XXXX '' with a different payment method to which my Klarna was originally intended because of the fraud. I have escalated the dispute multiple times and Klarna continues to hold me responsible for a transaction i did not authorize. " This is a billing error dispute under the Fair Credit Billing Act. I did not authorize this {$290.00} XXXX transaction, I have never had a XXXX account, and I am requesting that Klarna conduct a proper investigation and remove the charge. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: The J. G. Wentworth Company
State: NY

Complaint narrative:
On Monday, XX/XX/year>, I reached a verbal agreement with a J.G. Wentworth representative to adjust my monthly debt resolution payment to {$25.00}. Despite this clear agreement, the company processed an unauthorized withdrawal of $ XXXX than XXXX times the agreed-upon amount. I contacted the company on Wednesday, XX/XX/XXXX, to dispute the charge. I was told they would " investigate '' the recorded call from Monday. I followed up again today, Thursday, XX/XX/XXXX, to check the status. Immediately following my contact with them today, J.G. Wentworth deactivated my online account access. I am now locked out of my portal and can not view my transaction history, contract details, or financial records. Furthermore, this unauthorized withdrawal of {$110.00} caused my bank account to overdraw, resulting in a {$37.00} overdraft fee. I have notified my bank that this was an unauthorized transaction and have placed a block on all future withdrawals from this merchant. I am filing this complaint because the company has failed to refund the overcharge, has caused me to incur additional bank fees, and has retaliated by restricting my access to my own financial records. I am requesting a total refund/reimbursement of {$120.00} ( {$91.00} for the unauthorized overcharge and {$37.00} to cover the bank overdraft fee caused by this error ). Additionally, I require my online account access to be restored immediately so I can manage my account and view my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
A collection consumer adjustment XXXX in the amount of XXXX was reported to my credit as late and it was added to my collections report. I have been closely monitoring my credit since XX/XX/XXXX due to in the process of getting a house. I have been talking to my lender to see what collections needed to be removed. I removed all the collections in XX/XX/XXXX that I was responsible for. My wallet was stolen a couple of months ago with my social security card inside. My social security number has been exposed. I am not aware of this new collection that was added to my credit report. It is stopping my house process. I ask that this collection be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BILL.COM, LLC
State: NY

Complaint narrative:
I was paid by a company for services through Bill.com. Bill.com offered me an instant transfer through XXXX. However, this transfer was sent to an account number that was one digit off from my own. I requested a " request for return of funds '' from bill.com so that they could reach out to XXXX XXXX XXXX, but they refused. I also asked XXXX to contact the owner of the account that the money was mistakenly sent to and they refused. I tried to escalate this in every possible scenario but everyone has refused me. The amount sent was {$28000.00}. This was sent on Wednesday XX/XX/XXXX. It is possible it was sent on the XXXX or XXXX, but I think it was the XXXX due to processing times. I can provide the wrong account number ( where the money currently sits ), and my correct account number. I have spoken to many different departments at XXXX XXXX XXXX, all of whom refuse to help me. This is extremely urgent.

Company response to consumer: Closed with explanation