vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Selene Holdings LLC
State: DE

Complaint narrative:
I am submitting this complaint regarding the credit reporting of my mortgage loan serviced by Selene XXXX XXXX during a trial loan modification period. In XX/XX/XXXX I applied for mortgage assistance and was approved for a trial modification plan. Under the terms of the trial modification, I made all required trial payments exactly as instructed by Selene. The trial payments were {$1600.00} per month from XX/XX/XXXX through XX/XX/XXXX. These payments were made on time and in the amounts required by the trial modification agreement. The permanent loan modification was successfully completed on XX/XX/XXXX. Selene reported the account as current beginning XX/XX/XXXX, and the loan has remained current since that time. Despite my full compliance with the trial modification and successful completion of the permanent modification, Selene reported the account as delinquent during the trial modification period because the trial payments were lower than the original contractual payment amount. I disputed the credit reporting with the credit bureaus and contacted Selene directly. I also submitted a goodwill request asking Selene to consider adjusting or suppressing the delinquency reporting associated with the trial modification period so that my credit report reflects the successful resolution of the hardship. Selene responded that the reporting was accurate and stated that they do not have discretion to modify or re-age accurate historical credit reporting, even after successful completion of a modification. While Selene acknowledges that I complied with the trial plan, completed the permanent modification, and have kept the loan current since XX/XX/XXXX, they have refused to consider any discretionary adjustment to the credit reporting tied to the trial modification period. The delinquency entries exist solely because I followed Selenes instructions and participated in the loss mitigation process they offered. I did not stop paying the loan or abandon my obligations. I applied for assistance, made the required payments, and successfully resolved the hardship through the modification. I am requesting CFPB review of Selenes refusal to consider adjusting or suppressing the trial-period credit reporting so that my credit report reflects the successful completion of the loan modification and the current good standing of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
My mortgage was recently transferred from XXXX XXXX to Rocket Mortgage , LLC. Since the transfer was finalized last month, Ive encountered extremely poor customer service and significant financial difficulties with this new mortgage company. Based on my recent experiences, I believe Rocket Mortgage operates with highly questionable practices. Their customer service is consistently unresponsivewait times to speak with a representative range from 45 minutes to over an hour, and on multiple occasions, my calls have been disconnected mid-conversation. In addition, their payment system appears deeply flawed. On two separate occasions, my online mortgage payment was charged twice, and I currently have another duplicate payment pending, all through no fault of my own. These repeated errors have caused needless financial hardship for my family. Unfortunately, this issue is not unique to me. Many other customers seem to be experiencing similar problems with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
The was guy on Tictok who stated he was a mobile Tattoo artist. After several months of watching his account and seeing the work he did I decided to get him to do my tattoo. After explaining to him I wanted a picture of my mother that passed he stated he would be able to do it. I was asked to send a deposit. I explained I only had XXXX XXXX so he asked could I do chime. So I opened a chime account because that was all he had. After sending the money he stated that he would come Saturday to do my tattoo. Saturday came and he blocked me. I reached out to chime and they refused to refund my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
Claims a debt owed to XXXX but I have not had an account for XXXX years. Phone does not match the XXXX website, claims to be XXXX but XXXX is in XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
CFPB Complaint New Issue : Contradictory Statements to Law Enforcement Regarding ATM Ownership Summary of Issue : Wells Fargo provided a statement to a law enforcement officer that directly contradicts the information in their written denial letter and raises concerns about whether a reasonable investigation was conducted. Description of the Issue : On XX/XX/XXXX, a Wells Fargo representative informed the investigating detective that they did not know whether the ATM I deposited into was a Wells Fargo owned ATM. This statement was made during an active law enforcement investigation. This statement directly contradicts Wells Fargos written denial letter, which claims the bank did a thorough review. A bank can not review footage or logs from an ATM they can not identify as their own. Wells Fargo has known since XX/XX/XXXX that I deposited at Wells Fargo ATM at the XXXX XXXX branch in XXXXXXXX XXXX I was instructed to go to the branch where I made the deposit when I made the fraud report with Wells Fargo. I have included this fact multiple times in correspondence, CFPB complaints, and in person at the branch. Why This Is a Regulatory Concern : Wells Fargos conflicting statements indicate that : XXXX. The bank may not have conducted a reasonable investigation, as required under Regulation E. XXXX. The denial letter may contain inaccurate or misleading information about the steps taken during the investigation. XXXX. The bank provided materially inconsistent information to law enforcement, which raises concerns about recordkeeping, accuracy, and cooperation. XXXX. The investigation may not have included verification of ATM ownership, which is a basic and necessary step. Impact : These contradictions undermine the credibility of the banks investigation and call into question the validity of their denial. The banks inability to confirm whether the ATM was even theirs suggests the investigation was incomplete and not performed in accordance with regulatory standards. Requested Action : I am requesting that the CFPB review : Whether Wells Fargos investigation meets the reasonable investigation standard under Regulation E Whether the banks statements to law enforcement and to me are consistent and accurate Whether the denial letter misrepresents the steps taken in the investigation Whether the banks failure to confirm ATM ownership constitutes a procedural failure I am requesting a full, compliant reinvestigation.

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 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I requested to consolidate XXXX credit card accounts. FNBO accepted and gave me a balance with autopay. They paid one of the accounts off digitally and sent XXXX checks to a wrong address. They just auto-billed me for the full amount of the consolidation and I still have the XXXX cc accounts that were not paid down. Now I have to pay double the payments, or it negatively affects my credit. They expected me to receive the checks and take them to my cc company? They wanted me to solve their mistake, and now I am being billed interest on both the consolidation and XXXX card accounts that they did not resolve or pay off. Their communication and customer service in real time was absolutely horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I am filing a complaint regarding a missing payment of {$4000.00} that I made to my student loan servicer, Aidvantage, in XX/XX/year>. The payment was successfully processed through my bank account, and I have documentation showing the payment cleared along with the payment confirmation number. However, the payment has never been properly applied to my loan balance. I have contacted Aidvantage multiple times to resolve this issue. Each time I have received inconsistent explanations. Representatives have told me the payment was refunded, yet the funds were never returned to my bank account. I have also been told the payment was applied to my principal balance, but my loan balance does not reflect this. I have already provided Aidvantage with bank statements showing the {$4000.00} payment cleared as well as the confirmation number from the transaction. Despite providing this documentation, the issue remains unresolved. At this point, I am requesting that Aidvantage conduct a full investigation into the missing payment and either : XXXX. Properly apply the {$4000.00} payment to my loan balance, or XXXX. Provide proof of a refund and immediately return the funds to my bank account. If neither of these actions occurred, then the payment appears to have been mishandled. I am requesting prompt resolution and written documentation showing exactly where this payment was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NM

Complaint narrative:
I am in the PSLF program and am eligible for buy back in XXXX, XXXX. I received an email from the XX/XX/XXXX on XX/XX/XXXX that my loans would be forgiven thru the XXXX Adjustment program and if I did not opt out by XX/XX/XXXX, the loan would be discharged and I would be responsible for the taxes. I contacted EdFinancial that same day, XX/XX/XXXX, and subsequently multiple times after that, and received multiple different responses on how to opt out. Then, on XX/XX/XXXX, I submitted an email to EdFinancial stating that I wanted to opt out of the IDR Adjustment program. I received a response on XX/XX/XXXX stating that my request was received and I would receive a response within XXXX days. Then on XX/XX/XXXX I received XXXX emails stating that my loans had been forgiven through the IDR Adjustment program. On XX/XX/XXXX, I contacted EdFinancial who stated that this discharge can not be reversed. I am requesting an immediate reversal of this discharge. I met every requirement to opt out of XXXX forgiveness, including submitting a written request on XX/XX/XXXX well before the XX/XX/XXXX deadline. EdFinancial acknowledged receipt of this request on XX/XX/XXXX. The subsequent discharge of my loans on XX/XX/XXXX constitutes a failure to process a timely request, and I can not be held liable for the resulting tax implications caused by this administrative error. I am seeking a correction to my account status to ensure I remain eligible for the XXXX buy-back option in XX/XX/XXXX. XXXX : XX/XX/XXXX : XX/XX/XXXXsent me an email stating that I will receive IDR Forgiveness unless I opt out by XX/XX/XXXX by contacting my servicer EdFinancial. XX/XX/XXXX : I called EdFinancial and was told they werent aware of this situation ; they had not received any communication about this. Week of XX/XX/XXXX : called EdFinancial several times and received different answers each time. Once was told it was being processed. XX/XX/XXXX : Submitted an email to EdFinancial stating I wanted to opt out of the IDR Adjustment program because I have been in the PSLF program. XX/XX/XXXX : received an email response stating that my request has been received and will be processed within 10 days. XX/XX/XXXX : received XXXX emails from EdFinancial andXX/XX/XXXX stating that my loans have been discharged under the XXXXDR Adjustment program. XX/XX/XXXX : called EdFinancial, spoke with XXXX, # XXXX, who stated that this can not be reversed. However, she is escalating it to Customer Resolution Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this complaint against Midland Credit Management regarding multiple collection accounts being reported on my credit report that I do not recognize and have not been properly validated. The following accounts are currently being reported : Account XXXX {$750.00} Account XXXX {$350.00} Account XXXX {$500.00} Account XXXX {$1800.00} Account XXXX {$3000.00} Account XXXX {$1100.00} These accounts are also appearing multiple times on my credit report under different tradeline names ( MIDLAND CRED and MIDLANDCRE ), which creates duplicate reporting of the same debts. I do not recall receiving any written notice regarding these debts prior to them being placed on my credit report. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), consumers are required to receive written notice of the debt and their validation rights shortly after the initial communication. I have also requested proper validation of these alleged debts multiple times because I do not recognize these accounts and do not know what they are for. Despite my requests, Midland has not provided proper validation. Additionally, I have received repeated phone calls from Midland Credit Management regarding these accounts, which has become excessive and concerning given that the debts have not been validated. Proper validation of a debt should include documentation identifying the original creditor, the amount of the alleged debt with an itemized accounting of the balance, documentation showing the debt was legally assigned or transferred to Midland Credit Management, evidence that the company has the authority to collect the debt, and documentation connecting the alleged debt to me as the consumer. Reporting and attempting to collect debts without proper validation raises concerns regarding compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy in credit reporting, 15 U.S.C. 1681s-2, which requires furnishers to report accurate information to credit reporting agencies, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692g ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
I am submitting this complaint regarding my XXXX XXXX account issued by the XXXX XXXX XXXX and serviced by Continental Finance Company , LLC. The company has closed my account, restricted my access to the account, and continues to report delinquent payments while preventing me from resolving the matter. In 2025, I was working with a credit repair company that submitted a dispute regarding a late payment on this account. Shortly after the dispute was filed, my XXXX account was abruptly shut down. My online account access was XXXX and now only displays instructions directing me to contact customer service by phone. Since that time, I have made numerous attempts to contact XXXX customer service to understand the reason for the account closure and to resolve the dispute. However, I have been unable to reach a representative capable of providing meaningful assistance or resolving the issue. As a result, I currently have no way to access my account information, make arrangements, or dispute the reporting. At the same time, the company has continued to report my account as 60 days delinquent, which is actively damaging my credit profile. This is particularly concerning because I have been attempting to resolve this issue but have effectively been locked out of both my online account and any meaningful customer support. I later received a letter dated XX/XX/2025, stating that XXXX was unable to complete an investigation related to possible identity theft because they claim an identity theft report was not received within thirty days, and therefore they closed the claim and hold me responsible for the account balance. This situation raises several serious consumer protection concerns : 1. Failure to Conduct a Reasonable Investigation ( FCRA 1681s-2 ) The company appears to have closed the dispute without properly completing a reasonable investigation and continues to report delinquent information that may be inaccurate. 2. Unfair and Deceptive Practices ( UDAAP Dodd-Frank Act ) XXXX has effectively prevented me from addressing or resolving the dispute by disabling my online account access while simultaneously reporting negative payment activity. 3. Failure to Provide Account Access or Customer Support I have attempted to contact the company repeatedly and have been unable to reach anyone ca pable of resolving the issue or providing an explanation for the account closure. 4. Harmful Credit Reporting While Preventing Resolution Reporting delinquency while restricting access to the account creates a situation where the consumer can not correct, dispute, or address the alleged debt. This conduct has resulted in significant credit harm, emotional distress, and an inability to resolve the issue directly with the company.

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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My personal credit scores have significantly increased over the past several months. I have maintained all my CapitalOne credit cards in good standing, reducing the outstanding balances on all of them. I have requested increases in credit limits to return those limits to amounts prior to CapitalOne 's arbitrary reductions in prior years, which directly resulted in decreases in my scores and those limits ( because % credit used is a such a big factor in score calculations ). You must recognize that chain reaction! CapitalOne denial letter ( see attached ) used an XXXX score more than a month old, and almost XXXX points lower than the present score ( see also attached ) provided BY THEIR OWN XXXX PRODUCT. CapitalOne aggressively displays and promotes their XXXX product, so therefore they must use it for credit decisions. Using an older, lower score - like a sketchy used car dealership- is bait and switch. This conduct is illegal under AR Code 4-88-107 ( 2024 ), as it is a deceptive and unconscionable trade practice. The CFPB must read and understand this complaint and take appropriate action, instead of simply rubber-stamping XXXX replies from CapitalOne as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
To Whom It May Concern, I am responding to your communication regarding an alleged debt. I dispute this debt and request validation of it pursuant to my rights under the Fair Debt Collection Practices Act. Please provide the following documentation and information : The name and address of the original creditor. The account number associated with the alleged debt. A copy of the original signed agreement or contract showing that I agreed to assume this debt. A complete payment history showing how the amount you claim is owed was calculated, including interest, fees, and other charges. Proof that your agency has the legal right or assignment to collect on this debt from the original creditor. Documentation proving that the alleged debt is within the applicable statute of limitations. Verification that you are licensed to collect debts in my state, including your license number and registered agent. Until you provide proper validation of this debt, you must cease collection activities and reporting of this account to any credit reporting agencies. If you can not provide the requested documentation, you must cease collection efforts and remove any negative credit reporting associated with this alleged debt. I request that all future communications regarding this matter be made in writing. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: NV

Complaint narrative:
I never charge this card. I never had possession of this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OK

Complaint narrative:
I attempted to make a payment on my account through Bank of Oklahomas online banking system. I accidentally selected the wrong debit card ( recently expired ) when scheduling the payment. After realizing the mistake, I attempted to cancel or correct the payment immediately, but the system did not allow me to do so. Because the payment could not be canceled or corrected, the transaction ultimately failed and I was charged a {$30.00} fee. I believe this fee is unfair because the banks system did not provide any reasonable way to cancel or edit a scheduled payment before it processed. Additionally, the payment processing system takes several days to complete transactions, which makes it difficult for customers to resolve errors quickly. Customers should have the ability to cancel or modify a scheduled payment before it is processed, especially when the error is identified immediately. I am requesting that Bank of Oklahoma review this situation and refund the {$30.00} fee that was charged due to the failed payment. I would also like the bank to clarify its policies regarding cancellation of scheduled payments and consider improving its system so customers can correct mistakes before they result in unnecessary penalties.

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