vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
In XX/XX/2026, I made a purchase through Affirm for a XXXX order that was split into multiple charges/installments. The original total was higher, but some items were partially refunded by the merchant after I initiated returns. The remaining balance currently being disputed is approximately {$1600.00}. The items were delivered in multiple shipments on different dates. I attempted to return all items using XXXX return process. However, the return process was mishandled due to XXXX internal warehouse and shipping issues. Some returned packages were sent back to me, and at least one return could not be properly tracked or verified by XXXX despite being sent. Throughout this process, XXXX provided inconsistent and contradictory information. At times they confirmed returns, indicated items were on the way back to their warehouse, or stated that refunds would be processed. However, other items from the same order were not refunded, and XXXX later claimed they could not verify those returns. This demonstrates that the return process was not handled consistently, as some items were successfully refunded while others were not, despite all items being returned or attempted to be returned through the same process. I contacted XXXX multiple times over several weeks requesting refund status, return verification, and escalation to a supervisor. Despite these efforts, the issue was not resolved and I was repeatedly given conflicting information. I then opened disputes with Affirm. This is now my third attempt to resolve this issue through Affirm. I have submitted disputes, uploaded documentation, and contacted them by phone. I also canceled an earlier dispute after being led to believe the merchant was attempting to process refunds. Despite all of this, Affirm has repeatedly denied my claims with generic responses stating insufficient evidence, without addressing the documented inconsistencies and the merchants failure to properly process returns and refunds. This is no longer just a merchant issue. Affirm has failed to conduct a proper investigation and has not meaningfully reviewed the evidence provided. I am being held responsible for the remaining charges associated with items I attempted to return due to errors on the merchants side. I am requesting a full and proper manual review of this case and removal of the remaining balance and charges associated with items that were returned or attempted to be returned but not refunded due to merchant error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — FHA 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: LoanCare, LLC
State: TN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my mortgage servicer, Loan Care, for improperly handling my FHA loan modification and incorrectly classifying my completed trial payment plan as failed. I was approved for a trial loan modification under FHA guidelines and successfully made all required trial payments on time and in full. I fully complied with all terms of the trial plan. However, the permanent modification was never finalized due to issues with document handling that were outside of my control. Despite my compliance, Loan Care has classified my modification as unsuccessful or failed. Loan Care is now stating that under FHA guidelines I am only allowed one loan modification, and because their system reflects this as a failed modification, they are refusing to properly convert or reinstate my modification. I strongly dispute this determination. This situation does not meet the definition of a failed FHA modification. I did not default, miss payments, or fail to comply. I successfully completed the trial period as required. The failure to finalize the permanent modification was due to servicer error, administrative breakdown, or document processing issues, not borrower nonperformance. By misclassifying my completed trial plan as a failure, Loan Care is : Improperly applying FHA servicing guidelines Denying me the benefit of a modification I qualified for and performed under Potentially advancing foreclosure activity based on inaccurate loan status This is both unfair and inconsistent with federal mortgage servicing standards. I am requesting the following : Immediate review and correction of my account to reflect successful completion of the trial modification Reinstatement, conversion, or re-offer of the permanent FHA loan modification Confirmation that any foreclosure activity is paused during this review Written explanation of how my completed trial plan was classified as failed I am prepared to provide documentation of all trial payments and communications if needed. I respectfully request that this matter be escalated and reviewed promptly, as it directly impacts my ability to retain my home. Thank you for your attention to this matter.

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 2026-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX my mother, XXXX XXXX, made a cash deposit at Huntington Bank, XXXX XXXX XXXX, XXXX, Ohio XXXX, into her account ending in XXXX. I am her son and was present during the handling and counting of the cash prior to the deposit. I personally counted the cash with my mother immediately before she entered the branch and confirmed the total amount to be {$1500.00}, consisting of {$20.00} bills. My mother then entered the bank alone to complete the deposit while I waited in the vehicle. When she returned, she provided a deposit receipt showing only a {$500.00} deposit. This reflects an unexplained discrepancy of {$1000.00} between the amount of cash prepared for deposit and the amount recorded on the receipt. Due to my mothers limited XXXX proficiency, I accompanied her back into the branch the same day to speak with the teller who processed the transaction ( identified by staff as XXXX XXXX. The teller was unable to explain or reconcile the discrepancy at that time. We also raised the issue with the branch staff and requested clarification of the deposit amount. I tried to work with the branch and corporate office without any results. We are requesting a formal investigation into this transaction, including : Review and reconciliation of the tellers cash drawer and end-of-day balancing records for XX/XX/year> Review of all transaction records associated with this deposit Preservation and review of surveillance footage from approximately XXXX XXXX XXXX XXXX XXXX at the branch location Internal review of the deposit processing for this transaction We are requesting confirmation that the funds were handled correctly or, if an error is identified, a correction to the account. We also request a written explanation of the findings upon completion of the investigation. Sincerely, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I formally dispute the alleged debt being reported and collected by LVNV Funding in connection with an alleged account associated with XXXX XXXX XXXX XXXX. This debt does not belong to me, and I have repeatedly advised all parties involved that I am not responsible for this alleged obligation. Pursuant to the Fair Credit Reporting Act ( FCRA ) and all applicable federal consumer protection laws, I demand a complete reinvestigation and immediate validation of this account, including production of the original signed contract, complete account history, chain of assignment or ownership, and all documentation establishing that I am legally responsible for the alleged debt. If LVNV Funding and/or the furnisher can not provide competent documentary evidence verifying the accuracy and ownership of this alleged account, I demand the immediate deletion of all related derogatory reporting from my consumer credit files. Continued reporting or collection activity on an unverified or inaccurate debt after formal notice of dispute may constitute negligent or willful noncompliance under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
This account has previously been disputed. Despite this, you have continued reporting inaccurate, unverifiable, and misleading information, in violation of the Fair Credit Reporting Act ( FCRA ). You verified this account without providing : A signed contract A chain of assignment Any documentation supporting the debt I have never entered into any agreement with XXXX XXXX XXXX. You have failed to provide : Proof of legal ownership Documentation of assignment XXXX to collect You report : misleading and reaging of an account Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX No valid payment history No balance calculation No documentation from original creditor ( XXXX ) I request full disclosure of how this account was verified. No such documentation has been provided. This account is not reported by Experian. This inconsistency demonstrates unreliable and incomplete data furnishing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, i made a purchase with my Affirm Card XXXX XXXX XXXX XXXXXXXX, with the purchase and the interest the amount came to {$70.00} Then the merchandise was all returned by XX/XX/XXXX to the XXXX XXXX and affirm has charged me and still is charging me. Then i disputed the actual loan and affirm turned the DISPUTE INTO A LOAN. Now i am paying for the same returned loan 2 times and so far there is a lot of automatic payments taken and should have not and the interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/2026 my XXXX bank account ( Cash App ) was hacked and transactions were submitted fraudulently. Almost {$2100.00} i submitted a claim for refund immediately in which they told me it would take 10 days to resolve, it ended up taking almost XXXX months. In early XXXX i was refunded close to {$1400.00} of the cash fraudulently taken from me. So XX/XX/XXXX i submitted another claim for the remaining XXXX. Both transactions were initially on the same claim Im not sure why they were split up the happened literally seconds from XXXX another in an entire different country. But i recently received an email saying my claim was denied so basically i can never get my money back from the fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened a XXXX XXXX XXXX account back in XXXX and maintained a >US {$1000.00} balance. Based on their official XXXX ( XXXX XXXX XXXX ), this would be enough to not incur any fee. Until in XX/XX/XXXX, they suddenly told me to use the bank account to prevent any fee from being incurred. But when I logged in, they have been charging me the fee for all of XXXX! This is unacceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: 2233 Paradise Road LLC
State: TX

Complaint narrative:
I paid XXXX XXXX XXXX a total of {$980.00} but the agreed upon amount was {$730.00} by three payments. I was charged a extra {$240.00} that was listed on the payment schedule I was emailed from the company. I called them to ask about the extra charge and was informed that it was a past due amount that was not a part of what I was to pay to pay the debt off. I informed the agent that that was misleading and asked about the refund of the extra funds, but I was also informed that I was being recorded and I was not concerned about the recording. I was hurried off the phone and sent a receipt from the company.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I have contacted Mariner Finance many times by phone since I learned of this very large amount of debt in the amount of {$17000.00} that I know nothing about and each time I was not given any information due to my personal information not matching the information they had on file or at least that is what i was told on each occasion and that I could leave a message for another department to see if there was something they could tell me, but i was not given any phone numbers directly I was just asked what message to leave for that department that still till this day have not returned my calls or message. This is a serious matter that is affecting my life and my children 's lives in an great unjust way holding us back from being able to get into the safe & stable housing that we so need right now. Every time a potential realtor/ renter runs my credit for housing I am denied due to the {$17000.00} that Mariner Finance is reporting that I owe to them that I do not owe. Can someone please please please help me with this. I am not denying that I have used this company in the past for a loan, but I have never borrowed or given in anyway any monies in that amount. I have successfully paid my past loan with Mariner finance that was no more than {$3000.00} and a second loan for no more than {$5000.00} which were both unsecured loans not requiring any type of collateral. Mariner finance is also reporting to all XXXX credit bureaus that this {$17000.00} loan is a secured loan using XXXX Codes XXXX which is not true. My loan did not require any type of collateral from myself non what so ever. This was an unsecured personal loan that required me to have a cosigner due to my very low income, unemploymentand credit score, but I could not find anyone to cosign for me, but the company decided to preced with the loan anyways despite my situation and circumstances. My income at the time and still is only {$860.00} monthly dues to I am disabled and on a fixed income from XXXX. Please can someone help me with this matter please. Thank you and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am submitting this complaint against Capital One. An account reported by Capital One ( account ending in XXXX ) appears on my credit reports as a result of identity theft/data breach exposure. This account is not mine, and I did not authorize or open it. An account reported by Capital One ( account ending in XXXX ) appears on my credit reports as a result of identity theft/data breach exposure. This account is not mine, and I did not authorize or open it. An account reported by Capital One ( account ending in XXXX ) appears on my credit reports as a result of identity theft/data breach exposure. This account is not mine, and I did not authorize or open it. An account reported by Capital One ( account ending in XXXX ) appears on my credit reports as a result of identity theft/data breach exposure. This account is not mine, and I did not authorize or open it. I have disputed this account with both the credit reporting agencies and Capital One. Despite these disputes, the account remains on my credit report, and no adequate documentation or proof of ownership has been provided to validate that this account belongs to me. This constitutes violations of the FCRA, including but not limited to : 15 U.S.C. 1681s-2 ( a ) : Furnishers must report accurate information. 15 U.S.C. 1681s-2 ( b ) : Furnishers must conduct a reasonable investigation upon notice of dispute. 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable reinvestigation within 30 days. 15 U.S.C. 1681c-2 : Requires blocking of information resulting from identity theft upon proper notice. 5 U.S.C. 1681i ( a ) ( 5 ) - 6. 15 U.S.C. 1681c-2 15 U.S.C. 1681n & 1681o Pursuant to 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), any information that can not be verified with maximum possible accuracy must be deleted. Additionally, under 1681s-2 ( b ), the furnisher is required to conduct a reasonable investigation, which includes reviewing all relevant information. To date, no competent evidence has been provided to substantiate this account or the reported late payments. To date, neither the furnisher nor the credit bureaus have provided sufficient evidence demonstrating that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: AR

Complaint narrative:
I am filing a formal complaint against IQ Data International regarding repeated phone calls and verbal harassment connected to an alleged debt. I understand that I may owe a balance, and I am not refusing to address the matter. However, the manner in which I have been treated by representatives from this company has become unacceptable and emotionally distressing. The representatives have repeatedly called me and spoken to me in a rude, aggressive, and verbally abusive manner. During these conversations, I have felt intimidated, disrespected, and harassed. Their tone and behavior go beyond normal debt collection practices and have caused unnecessary stress and anxiety. I believe these actions may violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, harassing, or threatening behavior when attempting to collect a debt. I am requesting that your office investigate this matter and require IQ Data International to : Cease all verbally abusive and harassing communication Communicate professionally and respectfully going forward Provide written verification of the alleged debt if necessary Follow all applicable federal consumer protection laws I would appreciate any assistance your agency can provide in resolving this issue. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I had tax money deposited into my savings so when I need to make transactions I'd transfer funds to the account I'm making the charge on XXXX then " the bank '' would transfer out funds from another accct Ending in XXXX that I had tithe money sitting in to cover the same transaction however the money disappears. So where is the money? If I covered myself and the bank supposedly covered me the overage should be there and its NOT. They stealing my money then sending a letter to my inbox saying the transfered the funds but can't tell me to cover what. Then it's happening on days that I haven't even had any activity. For the life of the account XXXX yrs I've not seen this happen so why is it happening now!?

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 2026-05-04 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a call from someone who I thought was XXXX as it is time to renew my XXXX XXXX XXXX XXXX XXXX Because it is my renewal time, I didn't think anything of it and renewed with the person on the phone. They gave me a tech support hotline to call and offered to transfer me to sign up for tech chat services that are available etc. It sounded legitimate. Unfortunately this was not XXXX who called but a scam. I called Chase to file a fraud claim and was told that they could not do anything because I authorized the funds. The phone number I have for whoever called does not work and I doubt the address is a real place. The charge was for {$1200.00} They called from XXXX and my printed receipt shows a phone number of XXXX, address, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Issue : Incorrect information on my credit report Companies : XXXX XXXX XXXX Complaint Narrative : I am filing a formal complaint against the credit reporting agencies XXXX XXXX XXXX XXXX XXXXor violations of the Fair Credit Reporting Act ( FCRA ). I have disputed inaccurate and unverified accounts on my credit report multiple times. Despite my disputes, the credit bureaus have continued to report these accounts as verified without providing any evidence or documentation supporting their accuracy. The accounts include : Midland Credit Management Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The credit bureaus have failed to comply with their obligations under federal law, including : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification They have not provided : The method of verification The identity of the party who verified the information Any documentation used to verify the accounts Instead, they appear to have relied solely on automated responses from furnishers, which does not meet the legal standard for a reasonable investigation. This conduct is causing ongoing harm to my creditworthiness and financial opportunities.

Company response to consumer: Closed with explanation