vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
The companys response labeling this matter as potential fraud is inaccurate, irrelevant, and a clear attempt to avoid addressing the substance of my complaint. I am not alleging fraud. I am disputing inaccurate credit reporting and requesting documentation the company is legally required to provide. The company has failed to conduct a reasonable investigation and has not provided any of the following required information : - The date of repossession or recovery of the vehicle - The date and amount of the vehicle sale ( lien sale ) - Documentation showing how sale proceeds were applied to the account - A complete and accurate accounting of the alleged balance As stated in my original complaint, the vehicle was impounded on XX/XX/year>, and subsequently sold. XXXX records confirm a Release of Interest dated XX/XX/year>, proving I no longer had ownership or possession of the vehicle. Despite this, the company continues to report this account as OPEN with ongoing delinquency and an inflated balance. This is materially inaccurate and misleading. Reporting an account as active with accumulating late payments after the consumer no longer has possession or ownership of the collateral is a violation of the Fair Credit Reporting Act ( FCRA ), including the duty to report accurate information and to conduct a reasonable investigation of disputes. The companys refusal to provide documentation and failure to correct inaccurate reporting constitutes noncompliance with federal law. If the company is unwilling to resolve this matter under these terms, I will continue pursuing all available remedies, including additional regulatory complaints and potential legal action for violations of the Fair Credit Reporting Act and applicable state laws. I request that the CFPB escalate this matter, as the company has failed to provide a valid response and is not complying with its obligations under federal law.

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 2026-04-06 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: TX

Complaint narrative:
In XX/XX/XXXX, I overpaid XXXX XXXX " due to interest adjusted '' resulting in a - {$0.00} credit balance on my account. I paid the exact amount owed for loan XXXX, which then the following month reflected as an overpayment of {$0.00}. Since XX/XX/XXXX, I have repeatedly requested ( via email and phone ) that this {$0.00} credit be applied to XXXX XXXX. The servicer acknowledged my request but has failed to act for over 4 months. Because they have held my {$0.00} hostage, XXXX XXXX has continued to accrue daily interest on a balance that is technically {$0.00} lower than it should be. While the dollar amount is small, the principle is significanttheir inaction has cost me money and wasted hours of my time.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Klover Holdings, Inc.
State: MO

Complaint narrative:
I requested a {$350.00} cash advance from Klover and paid for expedited delivery on XX/XX/year>. The app shows the funds as delivered, but the money was never received in my bank account. I have contacted Klover support multiple times. Their responses are delayed by XXXX days and have only stated that the issue was forwarded to their technical team, with no confirmation of whether the funds were actually sent. I am requesting confirmation of whether the transfer was completed, including the date, time, and method. If the funds were not successfully delivered, I am requesting that the transaction be canceled and that all associated fees and points be refunded immediately. This delay has caused financial hardship, and I am requesting prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
These are the 2 pending transactions below taken out of my Sofi checking account fraudulently. altery.com Debit Card - {$1200.00} altery.com Debit Card - {$190.00} Here 's a summary of what happened : On XXXX XXXX XXXX, someone gained unauthorized access to my SoFi account and made fraudulent transactions at XXXX XXXX XXXX XXXX Three attempts were made ; one for {$510.00} was blocked by SoFi 's fraud detection, but two went through : {$1200.00} and {$190.00}, totaling {$1400.00}. The fraud began when someone ( not me ) contacted SoFi chat earlier in the day and got the {$510.00} transaction approved after it had been flagged and declined. SoFi 's agent unblocked it based on that request, which allowed the subsequent fraudulent charges to process. What SoFi Did -Replaced my debit card ( arriving in 710 business days problematic since I leave for vacation out of the country tomorrow ). -Refused to email altery.com 's fraud team ( XXXX ), even though the merchant offered to cooperate -Declined to issue a provisional credit -Said disputes can only be filed once transactions post, not while pending Your Key Complaints -SoFi unblocked a fraud-flagged transaction without verifying it was actually you -No two-factor authentication was triggered for suspicious foreign transactions at XXXX XXXX -SoFi refused to communicate with a cooperative merchant XXXX XXXX XXXX tomorrow with limited funds -I tried calling the merchant to setup a 3 way call as Sofi instructed but they are based in the XXXX and customer service went offline at XXXX XXXX XXXX XXXX in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: MT

Complaint narrative:
I had XXXX in savings account with Credit Karma, I withdrew most of it leaving XXXX in savings and XXXX. In spending. After I pulled my funds out my account was frozen, I called to get it figured out. I did two different links to verify my identity, where I take photos front and back of my id and a photo of myself holding my ID under my chin, I was hung up on two of the four calls I made. The last call I formed me it wasnt an issue with my identity it was that the back office had made a decision to close my account and nothing in it could be accessed.i asked where my money would go, He said once that it would be sent to my linked account, and another time that itd be mailed, he wasnt sure. I asked for a supervisor or someone who did know, and that could explain this decision and he said there back office had no contact information and he could not provide that info, he refused to get a supervisor, as he kept stating they were all in a meeting. So I now have no idea why my account was being closed and where my money went

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
My tac bill due XX/XX/XXXX, XXXX has not been paid from my escrow, my remaining balance has not been refunded. I continuously call and keep getting told it is being handled. meanwhile I am accruing late fees and delinquent tax notices. Amerihome still has not paid the taxes I even contacted Amerihome on XXXX and confirmed all the information that that company failed to obtain. Still have not paid my taxes or refunded the escrow balance.

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 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
I am an XXXX XXXX XXXX XXXX in the XXXX XXXX XXXXXXXX requesting assistance regarding an improper denial of my Servicemembers Civil Relief Act ( SCRA ) benefits by Fay Servicing , LLC. My mortgage loan originated on XX/XX/XXXX, while I was serving as a XXXX and not on XXXX XXXX. I later entered XXXX XXXX service on XX/XX/XXXX, with official XXXX orders reflecting report and execution dates beginning in XX/XX/XXXX. After entering XXXX XXXX, I submitted a formal request to Fay Servicing for application of SCRA benefits, including the required documentation. Specifically, I provided : - A written SCRA request - Copies of my XXXX XXXX orders showing my report and execution dates in XXXX - My reenlistment contract confirming my transition to XXXX XXXX service Despite providing this documentation, Fay Servicing denied my request. Their response stated that my XXXX XXXX start date is XX/XX/XXXX, and therefore my loanoriginated XX/XX/XXXX, XXXXdoes not qualify for SCRA protections. This determination is incorrect. The date cited by Fay Servicing appears to be derived from XXXX XXXX XXXX XXXX ( XXXX ) or other system-generated records that do not accurately reflect my qualifying XXXX XXXX service. At that time in XXXX, I was serving as a XXXX and was not on XXXX XXXX orders. My official XXXXy orders clearly establish that I entered XXXX XXXX in XXXX. Under the Servicemembers Civil Relief Act, eligibility is based on whether a debt was incurred prior to entering XXXX XXXX service. My mortgage meets this requirement, as it was originated before my entry onto XXXX XXXX orders. Fay Servicings reliance on incorrect system data, rather than my official orders, has resulted in an improper denial of federally protected benefits. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
This situation is both unacceptable and deeply distressing. I have been subjected to collection efforts regarding an alleged debt that I do not recognize, have never authorized, and that has not been properly verified. Being confronted with an unknown debt and receiving repeated, aggressive communications across multiple platformssome including threats of legal actionis both alarming and inappropriate. As a law-abiding consumer, I consider this a serious violation of my rights. This matter is causing significant emotional distress and disruption to my daily life.

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 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DApps Platform, Inc.
State: WI

Complaint narrative:
On XXXX XXXX XXXX, my Trust Wallet was compromised, resulting in over {$9800.00} in unauthorized asset losses. I immediately contacted Trust Wallet support to report the breach, request an investigation, and ask for guidance on how to secure my account. Trust Wallet confirmed that my wallet had been compromised, but the instructions they provided were contradictory and unsafe. Despite acknowledging the breach, they repeatedly told me to continue using the same compromised wallet for future transactions, including a presale token purchase I had already made. This guidance directly conflicted with their own security warnings and put me at further risk. I requested clear information about the breach, the investigation, and whether the wallet was safe to use. Trust Wallet did not provide the information I requested. They did not explain how the compromise occurred, did not provide any investigation results, and did not offer any remediation steps beyond generic statements. In XXXX ( XXXX ) and XXXX ( XXXX & XXXX ) XXXX, I sent followup emails requesting clarification and a reopening of my case. Trust Wallet did not respond. I still have not received any explanation, documentation, or meaningful support. To date, I have received only {$120.00} in partial reimbursement. This does not reflect the full amount of my losses. Trust Wallet publicly acknowledged responsibility for a security failure involving its browser extension, and XXXX XXXX XXXX publicly stated that affected users would receive 100 % compensation through XXXX funds. Despite these public commitments, I have not been provided with any clear information about my eligibility, my case status, or how the remaining losses will be addressed. I was not at fault for this incident, and I relied on the companys product and support guidance. The prolonged fourmonth delay, lack of communication, and contradictory instructions have caused significant stress and uncertainty. Given the companys public admission of responsibility and the financial and emotional impact of this unresolved situation, I am requesting full compensation for my losses and believe additional compensation is warranted. As a result, I am left with financial losses, an unresolved security incident, and no guidance from the company. I am filing this complaint because Trust Wallet failed to provide the information I requested, failed to investigate or resolve the issue, and gave instructions that were inconsistent with basic security practices. I am seeking a proper investigation, a written explanation, and a full resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
PenFed Credit Union inaccurately reported my mortgage as 60 and 90 days delinquent during an approved trial modification plan, despite all payments being made on time. This inaccurate reporting caused significant financial harm, including a mortgage denial, multiple credit limit reductions, and a substantial credit score drop. PenFeds Admission of Error : In their written response dated XX/XX/year>, PenFed explicitly stated : PenFed has determined that an error occurred. This confirms the reporting was inaccurate. Failure to Address Damages : Although PenFed admitted the error, they refused to provide compensation for the documented harm caused while the inaccurate reporting was present on my credit reports. Their position is that correcting the reporting fully resolves the error. This is incorrect. The harm occurred before the correction and remains unaddressed. Failure to Comply with My Request for Information ( RFI ) : My Notice of Error and Request for Information ( delivered XX/XX/year>XXXX ) requested : All XXXX XXXX codes used during forbearance, hardship review, trial modification, and subsequent months A detailed explanation of how reporting me delinquent during a trial plan complied with FCRA and CFPB guidance PenFeds internal process for evaluating compensation requests The name, title, and department of the individuals who conducted the investigation PenFed did not provide any of this information in their response. This is a violation of 12 C.F.R. 1024.36 ( d ). Failure to Fully Address the Notice of Error : PenFeds response did not address the actual impact of the error, as required under 12 C.F.R. 1024.35 ( e ). They acknowledged the error but did not address the consequences of the inaccurate reporting. Requested Resolution : I am requesting that the CFPB require PenFed to : 1. Provide a complete and compliant response to all outstanding RFI items 2. Provide a full explanation of how the inaccurate reporting occurred 3. Address the financial harm caused by the inaccurate reporting 4. Reevaluate my request for monetary compensation I have attached PenFeds written response, my original Notice of Error, and supporting 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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Capital Mitigation Services, LLC
State: AL

Complaint narrative:
they contacted another person of the debt and discussed it with them which violated my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
Company : XXXX XXXX PayPal , Inc . Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Contact Method Used : Email support / Online portal I am submitting this complaint regarding XXXX permanent restriction of my account, which I have held for nearly 10 years without issue. My account was recently restricted despite all transactions being personal, legitimate, and consistent with prior use. Account activity : Weekly transactions primarily consist of : Sending my portion of rent to my brother Receiving reimbursements from him for store purchases ( groceries, food, cigarettes, etc. ) Personal purchases include retail items and one XXXX XXXX subscription. My brothers XXXX account serves as his personal bank account, including receiving payroll. At no point have I engaged in business activity, resale of goods, or money-laundering. XXXX has permanently restricted my account citing risk or security concerns without providing specific details. Automated risk assessments appear to have flagged normal back-and-forth personal transactions as suspicious. Impact The restriction has created significant real-world problems : I can not send my brother money for shared living expenses without incurring excessive fees from alternatives such as XXXX XXXX XXXX restriction forces a workaround in which I would need access to my brothers card to make purchases on his behalf. This workaround introduces actual legal and financial risk, as sharing a debit card could be considered unauthorized use and subject to fraud claims or chargebacks, even if the purchases are legitimate. Because these workarounds and fee burdens are unavoidable under the current restriction, I am forced to absorb extra costs, which has created such financial strain that I am now considering rehoming and surrendering my pet rats, which I care for deeply. The restriction does not reduce risk ; it creates actual financial and personal harm for legitimate users. I contacted XXXX support multiple times, providing : Explanations confirming that all activity is personal and legitimate I have received no detailed explanation or reconsideration of the permanent restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Opened account XX/XX/year>. Had {$200.00} and {$1.00} transferred to Everbank company. Tried logging in XX/XX/year> and found the account was closed. With no explanation from front office or back office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
In the last four months, I noticed my credit started going down the company MOHELA has been charging interest on my student loan, which I was aware of, but the loan is still in for XXXX and I can not make any payments, but they are reporting to the credit agencies that I am not making payments. Therefore, my credit is going down heads. Im missing payments. How can I miss payments if Im not allowed to make payments

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: CA

Complaint narrative:
My XXXX XXXX secured credit card account was closed on XX/XX/year>. At that time, my balance was paid in full and I am owed a refund of approximately {$2700.00} ( security deposit ). I was informed the refund would be issued within 30 days. That timeframe has passed and I have not received my funds. I sent a formal written request, which was delivered on XX/XX/year>, and have received no response. I am requesting immediate issuance of my refund.

Company response to consumer: Closed with explanation