vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
XX/XX/year> : I submitted an initial request for mortgage assistance. Carrington approved me for a forbearance plan, which I declined because it only temporarily pauses payments XXXX does not address long-term affordability. XX/XX/year> : I submitted a follow-up request for a combination loan modification XXXX partial claim, which is designed XXXX lower my monthly payment XXXX a sustainable level based on guaranteed household income and prevent long-term financial hardship. The mortgage payment of $ XXXX exceeds XXXX % of guaranteed household income ( $ XXXX from my mothers job, pension, XXXX XXXX ). Additional expenses ( utilities, insurance, groceries, phones ) make the current payment unaffordable without relying on variable income sources. XXXX requested : I request that Carrington review my application for the combination loan modification XXXX partial claim promptly, ensuring the monthly payment is adjusted XXXX a sustainable level ( ~ {$1100.00} $ XXXX ) based on guaranteed household income. This will prevent financial hardship XXXX create long-term affordability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: UT

Complaint narrative:
I made purchases on online casino sites XXXX never received fair play I was not supposed XXXX use social security money from my payee, I made monetary gain service was unusable when I told my bank they refused XXXX refund my money even with proof of no monetary gain I have a lot of medical problems because of the issue I tried for months XXXX get help from them I just learned recently of this platform so I am trying XXXX recover my lost money thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am submitting this complaint regarding the handling of my Deed-in-Lieu ( DIL ) application by PennyMac Loan Services , LLC XXXX XXXX due XXXX unreasonable delays XXXX failure XXXX properly process my loss mitigation application in accordance with Regulation XXXX ( XXXX XXXX. XXXX ) XXXX XXXX ( XXXX XXXX. XXXX ). I submitted all required borrower documentation for my XXXX application in XX/XX/year>. Since that time, I have been repeatedly informed that no additional documents are required from me XXXX that the only remaining item needed XXXX complete my application is a title searchan internal process handled by XXXX or its vendors. Despite this, my application has remained in an incomplete status for over XXXX weeks due solely XXXX this internally controlled requirement. I was initially informed that the title process was in progress as of early XX/XX/year>. However, as of late XX/XX/year>, I have received no meaningful updates, no explanation for the delay, and no estimated timeline for completion. Additionally, I have received inconsistent and unclear communications, including : A letter dated XX/XX/year> indicating my application was incomplete due XXXX title, while simultaneously stating no action was required from me Repeated statements that the title search is pending with no defined timeline No transparency regarding when the title search was actually ordered or what stage it is in This delay appears XXXX be caused entirely by PennyMacs internal processes XXXX not by any failure on my part. Under Regulation XXXX, servicers are required XXXX exercise reasonable diligence in completing loss mitigation applications. By allowing an internally controlled requirement XXXX stall my application indefinitely, PennyMac is effectively preventing my application from being completed and evaluated. This conduct raises concerns that PennyMac is delaying the completion of my application XXXX avoid triggering the XXXX decision requirement under Regulation XXXX. I am requesting the following resolution : Immediate completion of the title search Prompt classification of my application as complete A formal decision on my Deed-in-Lieu application within the required regulatory timeframe A clear explanation for the delay XXXX the steps taken between XXXX XXXX XX/XX/year> I have acted in good faith XXXX complied with all requirements. I am requesting that PennyMac do the same XXXX process my application in a timely XXXX compliant manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I am reporting systemic failures in the Public Service Loan Forgiveness ( PSLF ) program involving both the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its servicer, MOHELA, resulting in incorrect qualifying employment counts, conflicting loan eligibility determinations, and lack of borrower transparency. I began qualifying public service employment on XX/XX/year> and have remained continuously employed full time by PSLF eligible employers. I have consistently submitted approved PSLF employment certifications, including every XXXX months during the past year. Despite this, my qualifying employment months have not advanced to XXXX and remain frozen. For approximately the last 18 months, my loans were placed into SAVE related/administrative forbearance while I remained fully employed in qualifying service. These months were not properly credited, forcing me to file a PSLF Reconsideration and buyback request that risks denial due solely to incorrect system data. XXXX Issue : The Department XXXX XXXX XXXX XXXX XXXX website incorrectly shows that only XXXX of my XXXX loans are eligible for XXXX, even though all XXXX are Direct Loans and statutorily eligible. MOHELA Issue : MOHELAs system correctly reflects XXXX eligible loans, but displays incorrect and stagnant qualifying employment counts. These conflicting federal systems provide no explanation, no loan level status updates, and no assurances that borrowers will not be harmed by known accounting failures.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and As per the Fair Credit Reporting Act, particularly under XXXX XXXX XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails XXXX comply with consumer protection requirements may be liable XXXX the affected consumer for damages, including potential punitive measures XXXX reimbursement of legal costs. This underscores the importance of addressing XXXX rectifying this matter promptly XXXX responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates , LLC regarding a collection account they claim I owe in the amount of {$3600.00}, originally from XXXX XXXX. This account has been disputed multiple times over approximately seven months. Despite my repeated requests for validation, the company has failed to provide adequate documentation to verify the alleged debt. Specifically, I have requested : The original signed agreement with the original creditor A complete payment history showing how the balance was calculated Documentation proving Portfolio Recovery Associates legally owns this account ( chain of assignment ) To date, none of this documentation has been provided. Instead, the company continues to respond with generic statements claiming the debt is valid without providing supporting evidence. At the same time, they continue to report this account to the credit bureaus and attempt collection. This raises serious concerns under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including : Failure to conduct a reasonable investigation after disputes Continued reporting of potentially inaccurate information Collection activity without proper validation of the debt Additionally, I am requesting that the company provide the exact method of verification used to validate this account with the credit bureaus, including all documents relied upon during their investigation. Requested Resolution : I am requesting that Portfolio Recovery Associates , LLC : Provide full documentation validating this debt, including all requested records OR Immediately remove this account from all credit reporting agencies if they are unable to properly validate it If this account continues to be reported without proper documentation, I will consider this willful noncompliance with federal law. I am requesting a full investigation and resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 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: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I am filing a complaint against First Hawaiian XXXX regarding their handling of a credit card dispute. The disputed transaction is {$920.00} for a XXXX XXXX XXXX airline ticket ( XXXX XXXX. XXXX ). On XX/XX/year>, I arrived at XXXX XXXX for my scheduled XXXX flight ( XXXX XXXX XXXX, departure approximately XXXX XXXX ). When I arrived, the XXXX check-in counter was already closed, even though the flight had not yet departed. I attempted to locate assistance and asked multiple airport staff members, but no XXXX counter, office, or customer service could be found anywhere at the airport. Due to urgent circumstances involving a family funeral, I was forced to purchase a replacement ticket on the same day. I purchased a replacement flight for $ XXXX seat fees = {$1100.00} ( XXXX XXXX XXXX, and I remained at the airport continuously until that flight departed at XXXX XXXX. This clearly demonstrates that I was present at the airport well in advance and actively attempting to travel. This is not a no-show situation. This is a failure of service, as I was unable to check in due to the lack of accessible airline support. I submitted a dispute to First Hawaiian XXXX. However, the bank denied my claim based on incorrect information. Their denial states that I arrived at XXXX XXXX for a XXXX XXXX flight and failed to follow a XXXX check-in requirement. This is inaccurate and does not reflect the actual flight details. I requested reconsideration and provided additional supporting documentation, including booking records and proof of replacement travel. Despite this, the bank did not correct the error and did not properly evaluate the evidence. Additionally, the bank cited a 60-day limitation ; however, this dispute concerns services not rendered, not a billing error, and new supporting documentation has been provided. I believe the bank did not conduct a reasonable investigation and relied on incorrect facts in denying my claim. I am requesting that First Hawaiian XXXX properly re-investigate this dispute based on accurate information and supporting evidence, and issue a refund if appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a certified letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX, regarding a now-delinquent checking line of credit that was previously held with my former spouse. and the continued reporting of the delinquent account, and their failure to fully act on my request to sever joint financial obligations following my divorce. Account Details Account Number : XXXX Open Date : XX/XX/XXXX Type : Line of Credit ( overdraft tied to former joint account ) Status : XXXX days delinquent Balance : {$6800.00} Notation : Consumer dispute after resolution ; account suspended Summary of Issue I was divorced on XX/XX/XXXX. Immediately following my divorce : I provided XXXX XXXX with my divorce decree I explicitly requested to sever all joint financial obligations XXXX XXXX processed the separation of our joint bank account However, XXXX XXXX failed to identify, disclose, or take action on the overdraft line of credit associated with that account, which remained under joint liability. I was not informed that : The line of credit remained active I retained financial responsibility Any further action was required on my part Over a decade later, this account became delinquent. XXXX XXXX has acknowledged : The account is now suspended I have no access to or control over it Despite this, the account continues to be reported as delinquent on my credit report. This situation reflects : Failure to act on a consumers explicit request to sever joint obligations Failure to provide clear and complete disclosure regarding continued liability Continued reporting that is misleading and incomplete, as it does not reflect my lack of access, control, or ability to manage the account Under the Fair Credit Reporting Act, reporting must be accurate and not misleading. This reporting does not meet that standard. Consumer Impact This has reduced my credit score by approximately XXXX points and is negatively affecting my ability to secure housing and financing. As a single parent who has independently supported my household and my childrens education since my divorce, this has created significant financial hardship.

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 2026-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have an account at chase bank, and i'm constantly getting overdraft fees, several times a month every month

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
I submitted a PSLF buyback reconsideration request in XX/XX/XXXX through Federal Student Aid. I received confirmation with a case number. I followed up in XX/XX/XXXX and XX/XX/XXXX and was told the request was under review, but no timeframe could be provided. On XX/XX/XXXX, I was informed the request is still pending and that no status updates or timeline can be given. Despite multiple inquiries, I have not received any meaningful update, eligibility determination, or payment calculation after more than seven months.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: CA

Complaint narrative:
On the date of XX/XX/year> this debt collecting agency repeatedly called me 9 times back to back. ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and once more at XXXX making that XXXX times in XXXX day. )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have never stepped foot in this facility that has charged my Chime account XXXX for what I am assuming is a membership or something. I contacted Chime to dispute the charges and they immediately denied my dispute in less than 24 hours with no real evidence of how they came up with their solution. I was charged for a service I never got/used. On more than one occasion I asked Chime to provide copy of a Membership contract I may have signed, etc. Nothing was provided and the Supervisor for Chime did nothing to escalate the dispute up, she continued to ask the same exact questions and provide the same exact information as if it was a script and no real care for me as the customer. I need assistance in getting my refund. I work very hard just to make a few dollars, I would like my refund of this membership that is unfamiliar to me and I do not belong to any Gym currently. As you will see that the email says they attached evidence, well I'm happy to forward the email from Chime, nothing is attached. Also I looked through the questions on the intake form. They should replay the recording those are not exactly what Chime Agent with their own thoughts, spin, opinion, etc. Also from reading the intake I did not receive that until I opened up a rebuttal and has no longer a situation that is being resolved truthfully and with integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation