vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Olympus1 LLC
State: MO

Complaint narrative:
I am submitting a complaint regarding the fees charged in connection with a debt relief program I enrolled in on XX/XX/year>. I paid a total of {$2400.00} into the program. Of that amount, {$1200.00}, over 50 percent, was taken in fees within approximately six months. During that time, only one debt was settled before I withdrew from the program. In addition, there were five other creditors enrolled in the program that were not contacted or worked on during my time in the program. This further highlights the limited level of service provided relative to the amount of fees collected. The company has stated that a portion of these fees were attributable to third party providers. However, I obtained written confirmation from the custodial account provider that only approximately {$130.00} of the fees were retained for custodial services, while approximately {$1100.00} was disbursed directly to the debt relief company. This demonstrates that the majority of the fees I paid were retained by the company. In addition to performance-based fees, I was charged multiple disbursement fees of {$39.00}, along with other recurring charges. These fees were collected despite the limited services performed and minimal progress made on my accounts. At this point, I am not concerned with how the fees are categorized or allocated. I am requesting a reasonable adjustment based on the overall circumstances. I believe a {$600.00} refund would more fairly reflect the limited services rendered and the proportion of fees collected. I have made multiple attempts to resolve this matter directly, as well as through the XXXX XXXX XXXX and by filing complaints with my state Attorney Generals office and the California Attorney Generals office, but the issue remains unresolved. I am requesting that the company review my account and provide a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I paid my auto loan in full on XX/XX/XXXX. As of XX/XX/XXXX ( day XXXX ), I contacted the lender and was informed that the lien release has not yet been submitted. Under Illinois law, lien releases must be completed within XXXX days of payoff. I am concerned this deadline will be missed. I am requesting immediate submission of the lien release to the Illinois Secretary of State and written confirmation of the submission date. Their website states that the estimated lein release date was XX/XX/XXXX which is why I waited until XX/XX/XXXX to call. I find it problematic that their website shows it was released already and that I had to call to find out it wasnt. This should not show Westlake process complete for their portion when that is NOT true.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: CO

Complaint narrative:
I sent a request to the XXXX XXXX XXXX to please if they could help delay this months payments and of course they never answer or are ever helpful so I filed a complaint with financial aid and I uploaded my bill that was {$1100.00} that I had to pay to get my truck fixed this month I live in the mountains. Weve had no snow so theres not been a lot of extra work. I am a full-time paid caretaker for my mother and so I work extra jobs whenever I can so I can pay my XXXX XXXX and other bills if necessary. I still havent heard back from financial aid either and I dont want to have a delay because it destroys my credibility. Thats why Im asking for help till next month please till XXXX. ED financial is my loan provider. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Lakeview Loan Servicing acquired my loan in XXXX. Our first payment, they drafted from my account a week early. Our second payment, they drafted from my account on XX/XX/XXXX then sent me a notice on or around XX/XX/XXXX stating my loan was past due. I logged into my portal and saw the XX/XX/XXXX payment was showing past due. I logged into my bank account and confirmed they did in fact draft from my account on XX/XX/XXXX. So, I contacted the business and was told that they did collect the money but had not applied it to my loan yet and that a ticket would be opened to have the payment applied. I was assured this would be addressed within a few business days. On XX/XX/XXXX, I received an urgent notice that my account was past due. I called them again and was told that the ticket was closed without the payment ever being applied. This is incredibly frustrating. We are in the process of selling our home and this will have significant consequences financially and to our credit if not resolved immediately. Furthermore, I have no faith that these business practices will come to an end without oversight from an outside party to hold them accountable.

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 2026-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I am extremely disappointed with my experience with Onity Mortgage. After being laid off from my job, I proactively reached out for assistance before falling behind on my mortgage. I was told that because my account was still current, they could not offer any help. Trying to stay responsible, I continued to do what I couldbut after a few months, I inevitably fell behind and reached out again. At that point, I was told they could not offer forbearance or any meaningful assistance that would actually help my situation. Instead, late fees were added to an already unaffordable mortgage. At one point, I was even told they could increase my paymentsomething that made absolutely no sense given that I was already struggling. I have contacted this company more than five times seeking help, and each time Ive been met with the same responses : * The system wont allow us to waive late fees. * We can not move missed payments to the back of the loan. There has been no flexibility, no empathy, and no real effort to provide a solution. As a XXXX XXXX, I never expected to be in this positionstruggling to make ends meet and asking for help just to keep my home. I am not asking for anything unreasonable, just some level of support during a difficult time. Instead, Ive been left feeling ignored and unsupported. I dont want to lose my home, but at this point, I can no longer afford to stay. Its incredibly discouraging to feel like Im doing everything I can and still getting nowhere. No homeowner should feel this helpless when asking for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MS

Complaint narrative:
While a resident at XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX, the property XXXX, ( allegedly ) dispersed my information among unknown individuals. I have filed a police report as well as notified the attorney general 's office. I was an online employee and contract worker when various sources began hacking into my devices prevenring me from working which resulted in job loss and my inability to pay rent and eventually evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Goldcar Lending Inc.
State: AL

Complaint narrative:
Car was repossessed in XXXX, the remaining amount was paid in the amount of {$580.00} but the company only reported the repossession with a balance still owed.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LoanCare, LLC
State: UT

Complaint narrative:
Company : LoanCare , LLC Loan Number : XXXX Complaint : I am submitting this complaint regarding incomplete and inconsistent information provided by my mortgage servicer, LoanCare , LLC, concerning the ownership, transfer history, and authority over my mortgage loan. LoanCare has identified the XXXX XXXX XXXX XXXX ( XXXX ) as the owner of my loan and has also referred to XXXX in its capacity as trustee. However, they simultaneously state that : * There is no trust associated with the loan * There is no Pooling and Servicing Agreement or governing instrument * No assignment of the Deed of Trust has been recorded At the same time, LoanCare claims the loan is part of a specific pool, yet can not provide documentation supporting this structure. Additionally, LoanCare has stated they are unable to provide information related to prior servicing or transfers, limiting their responses to only what was forwarded to them. This has resulted in an incomplete chain of title and lack of transparency regarding who has legal authority over the loan. These responses are insufficient and fail to resolve key questions, including : * The true legal capacity of FNMA ( owner, holder, trustee, etc. ) * Whether a trust or governing agreement exists * The complete transfer history of the loan * The authority under which LoanCare is servicing the loan I have formally requested this information from both LoanCare and XXXX but have not received complete or consistent documentation. Desired Resolution : I am requesting that LoanCare : 1. Provide a complete and documented chain of title for my loan 2. Clarify the legal ownership and capacity of XXXX 3. Provide documentation supporting any claimed trust or pooling structure 4. Provide documentation establishing their authority to service the loan I am seeking clear, accurate, and complete information regarding the parties asserting an interest in my mortgage loan.

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 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Online Information Services is reporting a collection account on my credit report on behalf of XXXX XXXX XXXX with a balance of {$530.00}. I am disputing this debt in its entirety for multiple reasons. In XX/XX/XXXX I contacted XXXX XXXX XXXX to cancel my service because I was relocating. Instead of honoring my cancellation request, XXXX XXXX transferred my service without my authorization or consent. The balance of {$530.00} was generated after my cancellation request was made and therefore I do not believe I am legally obligated to pay it. This is a billing dispute that originates with XXXX XXXX XXXX failure to process my cancellation correctly. Additionally, Online Information Services placed this collection on my credit report in XX/XX/XXXX without ever sending me written notice of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, which requires debt collectors to provide written notice within 5 days of initial communication including the amount of the debt, the name of the original creditor, and my right to dispute the debt. I never received this notice. I have never received any debt validation from Online Information Services despite this debt being disputed. Under the FDCPA 15 U.S.C. 1692g ( b ) collection activity must cease until the debt is validated. Reporting an unvalidated disputed debt to the credit bureaus constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Furthermore under the FCRA 15 U.S.C. 1681i all information reported to credit bureaus must be accurate, complete, and verifiable. This account appeared on my Equifax report on XX/XX/XXXX with a date assigned of XX/XX/XXXX yet I received no prior communication whatsoever. The account was placed on my report without proper notice and without validation, which constitutes a violation of both the FCRA and FDCPA. The original debt itself is disputed at the source level XXXX XXXX XXXX failed to cancel my account as requested and instead transferred my service without authorization, generating charges I never agreed to incur. A collector can not have greater rights than the original creditor, and if the underlying debt is invalid due to billing errors by the original creditor, the collection account can not legally stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am demanding that Transunion block the following fraudulent accounts, collections, and inquiries from my consumer credit report within 4 business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are the result of identity theft and fraud and are supported by FTC Identity Theft Complaint. Personal Identifying details such as ID, Proof of Address and Proof of SSN has been attached. This is sufficient according to FCRA 605B. Be advised : if you stall and ask for additional documents outside of what is needed according to FCRA 605B, I will pursue legal action. If you delay beyond 4 days, I will pursue legal action. If you contact creditors before blocking, I will pursue legal action. If you misclassify this as a 30-day dispute or add dispute remarks, I will pursue legal action. If you ignore or disregard this request, I will pursue legal action.

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I am writing regarding my Apple Card account, issued by Goldman Sachs Bank USA, account number XXXX. The account was opened on XX/XX/XXXX with a credit limit of {$1400.00}. In XX/XX/XXXX, a XXXX late payment was reported on a past-due balance of {$19.00}. I take full responsibility for the missed payment. I had moved residences and stopped actively using the card, and I lost track of a small recurring charge that had accrued on the account. As soon as I became aware of the past-due balance, I paid it in full. On XX/XX/XXXX I made a payment of {$20.00} that brought the balance to XXXX, and the account has since been closed. Prior to and following this incident, I have maintained a clean payment history on this account and across all of my other credit accounts. This single 30-day late notation is the only derogatory item on my credit reports and is not representative of my overall financial behavior. My TransUnion and Experian reports show consistent on-time payment history across multiple credit cards, an auto loan paid off in XX/XX/XXXX, and other installment accounts. On XX/XX/XXXX, I contacted Apple Card customer service by phone to request a goodwill adjustment to my credit report. The representative informed me that the call center has no authority or access to make adjustments to closed accounts and that the request could not be reviewed at all. I was not offered any path of escalation or referral to a department with appropriate authority. I am submitting this complaint because I believe my request deserves to be reviewed by someone with the authority to consider goodwill adjustments. I am not disputing the accuracy of the late payment I acknowledge it was late. I am asking Goldman Sachs to review the totality of the circumstances : the small dollar amount involved, the isolated nature of the incident, my otherwise spotless payment history, and the prompt resolution upon notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, Capital one closed my credit card and seized approximately $ XXXX {$60.00} in cash back that I've accumulated while using their card. I called them requesting the money be returned to me as they were sending me a check for the entire balance of the security deposit but they told me the cash back is forfeited to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: MI

Complaint narrative:
I am filing a complaint regarding a transaction made through the ABOUND app. On XX/XX/year>, I initiated a money transfer, and as of today, XX/XX/year>, the funds have still not been delivered to the intended recipient. I have made multiple attempts to contact customer support through the app, but I have not received any response. Additionally, there is no visible option within the app to cancel the transaction or retrieve my funds. The amount involved is approximately {$5500.00}, which is a significant sum for me. The lack of communication and resolution from the company is extremely concerning. I respectfully request your assistance in resolving this matter and helping me recover my money as soon as possible.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I bought about XXXX XXXX worth of bitcoin using cashapp. I tried to sell the bitcoin but it said that I needed to verify my identity and contact support. Ive been in contact with support for about a month and they have not been able to help me with this issue. I can buy bitcoin no issue, but I can not sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I had a debit card dispute with M & T Bank. I received a provisional credit which was later reversed under 'REVERSE PROVSL CREDIT DISPUTED TRANS. ' I disagree with the banks decision and know this transaction was unauthorized, or improperly investigated because I DID NOT have possession of my card. I am requesting a full review and reinstatement of the funds. Date : XX/XX/year> Amount : {$76.00} XXXX : XXXX XXXX, XXXX CT

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 2026-04-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: OH

Complaint narrative:
I logged into my Selene Finance Mortgage Servicing account. It showed that payment was not made for the last XXXX months, however it's set up on autopay. No one has reached out to me to let me know my payment has not been made, My interest went from XXXX XXXX up to XXXX XXXX interest and my {$2000.00} payment is nearly {$10000.00}. I can't get ahold of anyone to discuss this issue. I've tried everyting, calling other departments, calling at different times of the day, leaving my phone number for a call back, and I can't get ahold of anyone. I've never seen anythig like this before from a mortgage holder. The customer service is XXXX, the worst I've ever seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I am submitting this complaint regarding Sunrise Credit Services for reporting inaccurate and damaging information on my credit report. On XX/XX/XXXX, Sunrise Credit Services appeared on my credit report with a balance of {$2700.00}, claiming that I opened an account with them on XX/XX/XXXX. I have never opened any account with Sunrise Credit Services, nor have I had any prior communication with this company. On XX/XX/XXXX, I contacted Sunrise Credit Services and spoke with a representative identified as XXXX XXXX ( phone number : XXXX ). During this conversation, XXXX XXXX stated that their company obtained my information on XX/XX/XXXX, from their client, XXXX, who allegedly claimed that I owed a debt. I informed XXXX XXXX that I have no outstanding balance with XXXX and that my account with them is in good standing and paid in full. I also explained that I have never received any communication from Sunrise Credit Services regarding this alleged debt prior to it appearing on my credit report. Despite my efforts to resolve the matter, including offering to contact XXXX jointly during the call, XXXX XXXX declined to stay on the call and stated she needed to assist other customers. As of XX/XX/XXXX, at XXXX XXXX XXXX, this matter remains unresolved. This inaccurate reporting has negatively impacted my credit profile and has required me to take time away from work to investigate and address this issue. I consider this a serious matter of improper and unverified credit reporting. I am requesting the following : XXXX. Immediate removal of the Sunrise Credit Services account from my credit report. XXXX. Written confirmation that the account has been deleted and will not be re-reported. XXXX. Compensation in the amount of {$2700.00} for damages related to the negative reporting, including time lost from work and efforts required to resolve this issue. I expect a prompt investigation into this matter and a timely 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