vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I cancelled optional services they offered and I paid for like single credit life, single credit XXXX and single credit involuntary products in the phine with insurance XXXX, XXXX. I received a letter and stated there was a refund of {$1800.00} that they refused to give me and said they applied to the loan. I asked how when the loan was woth a debt consolidation company that one main already agreed on a specific amount and that refund should have been due to me. They were rude and stated i will not be getting it back because it does show that in the system the rep was looking at. I asked to speak with a supervisor and was denied and told they will tell you the same thing. The report said it was prepaid from them. But that was not true. And per what I read about optional services on their siteI had the right to cancel at any time with refund being issued as these services were optional and not a part of the loan. It also states I needed to give approval for any disbursement and I did not give or consent to refund going anywhere. I was taken advantage of with these optional services and forced to get them to get the loan to begin with. Now I can't get my refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
A credit repair company I paid monthly said that they were going to take over the payments. I never got a call, anything in the mail and I think it was a scam.

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 2026-04-21 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: AL

Complaint narrative:
On XX/XX/XXXX, I processed a legitimate business payment of {$250.00} through Square. Immediately after the transaction, Square deactivated my account without warning and placed the funds on hold. The payment was fully processed, and the net amount of {$240.00} appeared in my Square balance. When I attempted to transfer the funds, Square displayed an error message stating : Transfers are currently unavailable. Please try again later. I contacted Square multiple times, but I received no explanation, no documentation, and no assistance. Square never provided a reason for the deactivation or for withholding my money. Because Square refused to help, I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX Complaints Manager XXXX emailed me and stated that Square had reviewed my account and that my funds would be held for 180 days and released within two business days after XX/XX/XXXX. I have multiple emails confirming this release date. My bank account was verified by Square, and I received a confirmation email showing that my bank account ending in 365 was successfully linked. Despite this, Square did not release my funds on or after XX/XX/XXXX, as they promised in writing. I emailed Square multiple times after the release date passed, asking why the funds had not been released. My messages were ignored, and Square closed my support case without resolving anything, telling me to create a new case even though I had been actively responding. On XX/XX/XXXX, I called Square again. I spoke with a representative who identified himself as XXXX. He refused to provide any assistance, refused to answer questions, refused to explain why my funds were still being held, and refused to provide his badge number or employee ID. He also refused to escalate the call to a supervisor or compliance representative. This behavior shows a pattern of obstruction and refusal to help a consumer attempting to resolve a legitimate financial issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I formally requested a validation of debt, sent a Cease and Desist, a debt collector disclosure statement, challenging the accuracy of information concerning the -reference collection- Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Further, I also notified Portfolio Recovery Associates of Federal and State law, UCC and FDCPA, and 47 CFR V-5-221 et seq, to take notice that sending unsubstantiated demands for payment through the United States Mail System may constitute mail fraud. Further telephonic communication constitutes harassment and is a federal crime. Portfolio Recovery Associates have ignore all my requests for validation and to cease and desist. Notices where sent- Cease and Desist On XX/XX/year>, Mail receipt # XXXX, Debt Validation sent on XX/XX/year> Mail Receipt # XXXX Portfolio Recovery Associates is a debt collector subject to the Fair Debt Collection Practices Act ( FDCPA ) Federal Trade Commission Report Complaint File # XXXX The unverified collection account continues to appear on my credit report, and Portfolio Recovery Associates continues harrasing me by mail correspondence and Phone calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
I have been making payments on a private student loan with XXXX since XX/XX/year>. For over XXXX years, I have made consistent, on-time payments except for authorized forbearance periods due to medical leave and unemployment. My original loan was XXXX XXXX dollars, but the balance has increased to over XXXX XXXX dollars despite XXXX years of payments. XXXX failed to properly adjust my payment amount in response to interest rate changes, causing me to pay interest on an inflated balance. The principal never decreases and continues to grow each month. XXXX admits to this servicing error but is proposing to increase my monthly payment to force the loan to term, which will cause me severe financial hardship. At this rate, I will be paying on this loan for over XXXX years instead of the original XX/XX/XXXX-year term, potentially until I die. This servicing error has caused me significant financial stress and harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: MOHELA
State: TN

Complaint narrative:
Formal Dispute and Request for Interest Correction : I spoke to a MOHELA representative who advised me to the below information. I was on hold for nearly XXXX minutes and spoke to said representative for XXXX minutes before being told a supervisor was unavailable and then being hung up on. I made a payment of {$400.00} on XX/XX/year> before being told my loan was transferred to MOHELA ( still havent seen that applied ) and on XX/XX/year> ( Also, dont see it applied to my account ). This is ILLEGAL. I am writing to formally dispute MOHELAs representation that payments made on my federal Direct Unsubsidized student loan may be held for up to 90-120 days before being processed when the loan is not yet in repayment. This statement is incorrect and conflicts with federal student loan servicing requirements. Key Facts My loan is a federal Direct Unsubsidized loan The loan is not yet in repayment I made a voluntary payment intended to reduce accrued interest and/or principal MOHELA informed me that because the loan is not in repayment, the payment could be held for up to 90-120 days before being applied, during which time interest would continue to accrue -- - Federal Rules Clarification 1. Interest Accrual Is Legal Payment Delays Are Not While interest legally accrues on federal unsubsidized loans prior to repayment, servicers are required to promptly credit payments upon receipt. Holding a payment for months after receipt is not permitted and constitutes a servicing failure 1. 1. The 120 Day Rule Protects Borrowers It Does Not Permit Delays The 120 day rule applies only to payments made within 120 days of loan disbursement, requiring those payments to be treated as retroactive cancellations applied as of the original disbursement date. This rule does not authorize MOHELA to delay posting or processing payments and does not justify additional interest accrual after payment receipt 2. 1. Servicing Errors Must Be Corrected Federal guidance and CFPB oversight require servicers to : Properly apply voluntary payments Prevent interest accrual caused by servicer error or delay Correct accounts when improper interest is assessed due to delayed processing

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: West Law Group, PLLC
State: TX

Complaint narrative:
On XX/XX/year>, I sent an email to XXXX XXXX requesting the remaining balance on the XXXX XXXX account. Based on his response, I was under the impression that the amount owed was lower than expected. I then requested receipts for all transactions, along with confirmation of the total balance due. On XX/XX/year>, I received the following response : Why dont you send me what you believe you have paid, and I will compare. I replied that while I would review my records, I required receipts and documentation from his end. I subsequently sent another email requesting a full written accounting of the debt, as well as confirmation of the documentation that would be provided once the debt is paid in full. XX/XX/year> I followed up once more but I came to find out later that it was sent in white font. I did not receive a response. On XX/XX/year>, I forwarded my previous email requesting a full accounting of debt to follow up ; however, I have still not received any response at the email address provided ( XXXX ).

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Summary of the Issue : I am filing a complaint regarding Navy Federal Credit Unions handling of a credit card dispute for a contractor charge in which the service was not performed as agreed and not performed to industry standard. Despite providing extensive evidence, Navy Federal denied my dispute twice without properly addressing the documentation I submitted. What Happened : I hired a contractor to install pavers at my home. The contractor performed the work improperly and did not follow basic industry standards, including failing to install a proper foundation. The installation was defective, unsafe, and unusable. I provided Navy Federal with photos, documentation, and a detailed explanation showing the contractors failure to perform the service as agreed. Because the work was so poorly done, I had to remove the contractors failed installation myself at my own expense. I then had to hire a second professional to correct the situation. This resulted in additional, unexpected costs directly caused by the contractors substandard work. My Dispute With Navy Federal : I submitted a dispute to Navy Federal for services not provided/ not as described. I provided clear evidence, including photos, timelines, and documentation of the corrective work. Navy Federal denied the dispute. I requested a second review and again provided all evidence. Navy Federal denied the dispute a second time, stating only that further action can not or will not be taken, without addressing the evidence I submitted. Navy Federal did not meaningfully review the documentation, did not explain why the contractors failure did not qualify as services not provided, and did not provide a reasonable basis for denying the claim. Their internal process appears to have been cursory and dismissive despite the substantial evidence provided. Why I Am Requesting CFPB Assistance : I am requesting that the CFPB require Navy Federal to conduct a proper, goodfaith investigation into my dispute. The contractor did not provide the service as agreed, the work was defective, and I incurred additional costs to correct the contractors failure. I have provided Navy Federal with all relevant evidence, yet they denied the claim twice without addressing the facts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Stark Collection Agency, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and have been going through an identity theft crisis. I reviewed my credit report and saw fraudulent accounts reporting on my credit report from debt collectors.Under the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for debt collectors to report or threaten to report fraudulent debt as valid, as this constitutes deceptive and unfair practices. Specifically, 15 U.S.C. 1692e prohibits false representations, including misrepresenting the character or amount of a debt. The fraudulent account is THE STARK COLLECTION WHICH IS REPORTING TWICE UNDER SEPARATE ACCOUNT NUMBERS. ( XXXX ) ( XXXX )

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2026, I was presented with a pre-qualification offer for the Bank of America XXXX XXXX XXXX XXXX XXXX card. The pre-qualification screen indicated I was likely to be approved and did not disclose any requirement to have an existing Bank of America banking relationship or relationship with their partners. Based on this pre-qualification, I submitted a full application in good faith. A hard inquiry was placed on my credit report and I was denied. Bank of America representatives stated that their decision was based on " many proprietary factors '' including that I do not have an existing banking relationship with Bank of America or their partners a requirement that was never disclosed at any point during the pre-qualification process. I called Bank of America 's reconsideration line twice on XX/XX/2026 and was denied both times with no remedy offered and no explanation of why this requirement was not disclosed upfront. I then called multiple Bank of America numbers attempting to dispute the hard inquiry directly, but was unable to reach anyone with authority to remove it. I also contacted XXXX to dispute the inquiry. The XXXX representative agreed the situation was problematic but stated that under the FCRA they are legally unable to remove an authorized inquiry even one obtained through a misleading pre-qualification process. Having exhausted all direct options, I am filing this complaint with the CFPB.

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 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: ID

Complaint narrative:
In XX/XX/year> I lost my job when my company let XXXX of us go and outsourced our jobs. I have struggled to keep current since then. Bridgecrest has not been easy to work with. I get incessant collection calls. The people calling with collections speak English, the reps I get when I call back or any other time do not speak good English and mainly read from scrips. Frustrating. Beginning of XXXX I had the opportunity to get set up on a payment program that worked for me paying {$240.00} every other week via auto pay. The first payment came out fine. I was then hit by fraud. I managed to get ahold of a rep and told her what happened and provided my new checking account. The next payment came out fine. The next payment failed because the rep did not cancel the account I had to close because of fraud. The rep also did not tell me I needed to do that. Once the payment failed, my payment program was discontinued and I was hit with an NSF fee!!! I made so many calls, and sent so many emails on this and no one will set the program up again or do anything to help me. They all claim they can not. Last week I was offered another program called XXXX XXXX via email. There was a link to get me to the " easy '' set up. The link goes nowhere does not work. I got another email offering the program XX/XX/XXXX. The link still does not work. I have attached screen shots of the email and where the link takes me which is the payment dashboard. I called and was told no one can set it up for me, I have to do it from the account. How can I do that when the link does not work and there is no option in my account?!!! I just want someone at Bridgecrest to help me for once. I am doing my best and believe I will soon be employed full time and on a better financial footing, but until then, I need this company to act with some honesty and integrity and help get this Cruise Control program set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: GA

Complaint narrative:
on XX/XX/year> I asked IC Systems debt collector to send me a letter detailing the amount I owed, verify that the amount was mine to pay, and the amount they offered by text to settle and they refused to send this documentation.

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 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Credence Resource Management is reporting a collection account on my XXXX credit report that I do not owe them. The account shows a balance of {$2000.00}, opened XX/XX/XXXX, account number XXXX, with XXXX XXXX XXXX listed as the original creditor. I have no contract with Credence Resource Management. I have never done business with them, never signed an agreement with them, and never received proper validation that they own this debt or have the right to collect on it. On top of that, the amount they are claiming does not match what the original creditor reported. XXXX XXXX XXXX is reporting the charged-off balance as {$760.00} as of XX/XX/XXXX. Credence is claiming {$2000.00}. That is a {$1300.00} difference with no explanation, no itemization, and no documentation backing up the inflated number. There is also a double reporting issue. XXXX XXXX XXXX is still reporting the account with a {$760.00} past-due balance while Credence is reporting the same debt as an active collection for {$2000.00}. The same debt can not be owed to two different companies for two different amounts. Once a debt is sold, the original creditor is supposed to show a zero balance and a transferred or sold status. Right now my credit report shows this debt as owed twice, and the numbers do not even line up. I am requesting that Credence Resource Management provide full validation of this debt, including proof they own it, the chain of assignment from XXXX XXXX XXXX, a copy of the original signed agreement, and a full itemized account history that explains how they arrived at {$2000.00}. If they can not produce this, I am requesting that they delete the tradeline from all three credit bureaus immediately. This inaccurate and unvalidated account is damaging my credit and my ability to move forward financially, and I need it resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My mortgage is in escrow for taxes and homeowners insurance. My property taxes were not paid in XXXX as required. I had to pay them myself in XXXX because I could not get answers from Select Portfolio Servicing ( SPS ). They eventually told me they would refund me the amount but then emailed the XXXX XXXX XXXX to say they were paying the taxes. Since they missed the XX/XX/XXXX deadline, the electronic payment was rejected and they said they would pay the taxes before XX/XX/XXXX. When the XXXX of XXXX receives payment, they will reimburse me. The money I used to pay my taxes was earmarked for my mortgage payment and I am unable to make that payment until Im reimbursed. I have paid my mortgage before its due date and have paid almost {$100.00} extra per month for years to try and pay it off early. SPS has the money to pay the taxes, they just did not do it. I have had several conversations with them and always get the runaround. They are telling me that if my mortgage isnt paid by XX/XX/year> I will owe late fees. Ive held up my end of the bargain and they need to fix this issue sooner rather than later. I will NOT pay late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I, XXXX XXXX XXXX, submitted a dispute to TransUnion regarding fraudulent accounts on my credit report. TransUnion responded that the request did not appear to come from me and did not process it. I confirm that I personally submitted the dispute and am not working with any third party. The accounts, including XXXX XXXX XXXX and XXXX XXXX XXXX, are the result of identity theft and were not authorized by me. I have provided proper documentation, including my FTC Identity Theft Report, ID, and proof of address. TransUnion failed to process my dispute and block these fraudulent accounts as required under the Fair Credit Reporting Act. I am requesting immediate investigation and removal of these accounts.

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