vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have two problems issue mortgage company named XXXX i sent in an a assumptions request for release form of removal. They emailed me back XXXX XXXX. With the forms of what I need two fill out before due date XXXX XXXX. So the loan modification was assigned XXXX XXXX. Divorce decree was fax and received XX/XX/XXXX, Quit Claim Deed faxed XXXX XXXX and V. A. Release request form was sent by email XXXX XXXX. I was not able to talk to someone from XXXX but only through email at XXXX. But always spoke with XXXXXXXX XXXX XXXX. By XX/XX/XXXX XXXX sent an email to me and my divorced Veteran, saying, I was no longer financially responsible for the mortgage loan. But since then my name was still under the loan still responsible i call them XX/XX/XXXX and they said, they transferred the mortgage to a different company name PHH as known as XXXX XXXX When I talk to the company of XXXX XXXX I asked them why they haven't removed me and they wasn't sure why but that person did document it in their fowls, taking a note. But nothing has gotten resolved. A sense, XX/XX/XXXX. I'm at the new company, XXXX and I resent them every document that was received by XXXX.... Send them a request of removal due to speaking with someone under XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to a late reply, they didn't transfer the mortgage information completely, but I received a letter XXXX XXXX saying they received all the information that I sent and the company I was basically still have me responsible due to the transfer from the old mortgage company. Now the mortgage is passed due to where it have to be current for me to be removed and I supposed to be removed since XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: TN

Complaint narrative:
To Whom It May Concern in the Relations Department, This is regarding an account placed on my credit report by PLAZA SERVICES {$2500.00} I dispute this debt in its entirety and assert that I do not owe this amount and this account does not belong to me. Furthermore is in possession of my personal information without my consent, which may constitute a violation of federal privacy and consumer protection laws. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), you are required to send a written notice of the debt, including the name of the creditor, the amount owed, and a clear statement of my right to dispute the debt within 30 days. I did not receive such notice. This failure constitutes a direct violation of federal law. I request that PLAZA SERVICES immediately DELETE this account from all consumer credit reports to which it has been furnished, including XXXX XXXX XXXX XXXX. I have no contractual agreement with your company, and no obligation to pay any amount has been established. If this debt originated with another creditor, I demand that the account be returned to the original creditor and that you provide legally sufficient verification of the debt. As outlined by the FDCPA and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), I am requesting the following : 1. A complete itemized payment history, including the date and nature of all charges and payments. 2. A copy of a signed contract bearing my wet signature as evidence of a binding agreement. 3. A copy of government-issued photo identification allegedly used to open the account. 4. The full Social Security Number associated with the account to verify the identity of the person you claim owes this debt. Statements or billing summaries do not meet the legal standard of verification. I require an affidavit or sworn statement attesting to the authenticity and accuracy of the debt. This letter also serves as a formal cease and desist demand under 15 U.S. Code 1692c ( c ). You must immediately terminate all collection activities related to this matter. If you can not provide the requested documents within 30 days, you are required to : - Cease all collection activity on this account, - Delete the account from all credit reporting agencies, and - Return all personal information youve obtained to the original creditor or destroy it in accordance with applicable privacy laws. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX XXXX XXXX ( XXXX ), and my State Attorney Generals office. I demand written confirmation that this account has been deleted from my credit report and that no further collection activity will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Branch Messenger, Inc.
State: MI

Complaint narrative:
I am submitting a complaint regarding failure to properly handle an electronic funds transfer error under Regulation E. On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX, I used an XXXX ATM located inside XXXX XXXX XXXX and attempted to withdraw {$680.00}. The ATM failed to dispense any cash but printed a receipt stating that funds were dispensed. My account was debited for {$680.00} plus a {$7.00} fee. I immediately reported the issue and have been in contact with casino staff, including the XXXX XXXX XXXX ( XXXX ). I also contacted the ATM operator ( XXXX ), who confirmed that the dispute must be initiated by my card issuer. My debit card is issued through Branch, with XXXX XXXX XXXX XXXXXXXX as the banking partner. I have contacted Branch multiple times via email and phone requesting that a Regulation E dispute be opened. Despite this, Branch has failed to properly initiate the dispute or provide a case number. This constitutes a failure to comply with Regulation E requirements regarding investigation of electronic funds transfer errors and timely resolution, including provisional credit where applicable. I am requesting that the Consumer Financial Protection Bureau : Investigate Branchs handling of this dispute Require immediate initiation of a Regulation E investigation Ensure provisional credit is issued within the required timeframe Ensure compliance with federal consumer protection laws I have documentation supporting this claim, including the ATM receipt and transaction details. Please confirm receipt of this complaint and advise on next steps. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding what I believe to be unfair and potentially unlawful lending practices by Santander XXXX. In XXXX, I took out a loan in the amount of approximately {$17000.00}. Since that time, I have made consistent payments and, to the best of my understanding, have already repaid the full principal balance. However, despite my efforts, I am still being told that I owe roughly the same amount as the original loan, with Santander attributing this to accumulated interest and late fees. I do not believe these charges are accurate or justified. The amount being claimed does not reasonably reflect the payments I have made, and I am concerned that excessive interest rates, improper fee assessments, or other questionable practices may have been applied to my account. Based on this situation, I believe Santander XXXX may have violated applicable usury laws and other consumer protection regulations. I am requesting a thorough review of this matter to determine whether these practices are lawful. I respectfully ask the Federal Trade Commission to investigate this issue and provide guidance on my rights as a consumer. Additionally, if possible, I would like assistance or direction toward legal resources or FTC-affiliated attorneys who can help me address this situation. I appreciate your time and attention to this matter and look forward to your response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX sezzle had taken {$450.00} from my USAA checking account. And on XX/XX/XXXX they also took {$88.00} from the same checking account. I have disputed all charges as unauthorized charges. I showed evidence that the sezzle account that those funds were being charged to was not my sezzle account and I wrote a letter telling the that I did not authorize the charges and I have never given anyone else authorization to use my cards, defunds, or bank accounts. So I do also have sezzle so the first transaction of {$88.00} I did not catch it because I assumed it was a payment I owed to them but after further investigations by myself I found that the {$88.00} charge was also a part of it and I did not immediately dispute it and thats one thing they are using against me. I disputed all as unauthorized and the bank ( USAA ) gave me provisional credits and took back all the provisional credits given and said that I gave permission for someone to use my debit card which I did not and that the person that used my debit card has permission to use it which none is it is true and I have never given anyone else authorization to ever use any of my banks or cards in the 13 years Ive been with USAA. So they did a second investigation and still are saying I gave permission so I have not received my funds back. The last month has been very difficult and challenging to get by without my funds and I was unable to pay my bills. So to this day they are denying my claim of unauthorized charges. I was unaware of it and did not authorize any of them. They say because we are related they deny my claim. The sezzle account is proven to not be in my name.

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 2026-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: FL

Complaint narrative:
I started treatment with XXXX in XXXX when I was only XXXX XXXX XXXX. I was promised that the XXXX XXXX would give me certain results and that the process would take about XXXX year. Based on those promises, I agreed to start treatment and paid approximately {$2000.00}. However, the XXXX did not work as promised. What was supposed to take XXXX year turned into almost XXXX to XXXX years because the XXXX were not producing the expected results. I continued following their instructions and using the XXXX as directed, hoping the treatment would eventually work. When I raised concerns and asked for a refund because the treatment clearly was not working, the company did not resolve the issue. Instead of giving me my money back, they kept sending me more XXXX XXXX XXXX. This kept me tied into the process longer while the problem was never actually fixed. By the time that cycle of sending additional XXXX ended, the time period where I could request a refund had already passed. I feel that this was extremely unfair because I tried to resolve the issue earlier, but the company kept extending the treatment instead of addressing the fact that it was not working. After nearly XXXX years and having already paid over {$2000.00}, I stopped the treatment because I saw no results. I paid for a service that I never truly received. As a young customer who trusted the companys promises, this situation felt like I was taken advantage of. To make matters worse, the account was later sent to collections, and my credit score dropped by almost XXXX points. This has had a serious impact on my credit at a very young age. It feels incredibly unfair that I paid thousands of dollars for a treatment that did not work and now have long-term damage to my credit because of it. I am sure there have been many complaints about this situation. XXXX later filed for bankruptcy, and many customers were left in similar situations after paying large amounts of money for treatments that did not deliver the promised results. I am requesting that this debt be removed from my credit report and that this situation be investigated. I should not be responsible for a debt tied to a service that was not delivered as promised.

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 2026-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Attempted to open an account with there claim of " Get approved in hours, not days '' or similar. I only proceeded due to the promise of 4 % APY yearly, but the initial promises did not hold. Like the number 1 statement I was seeing was about getting approved instantly or in hours. At first it doesn't seem like much time but considering the facts that this is strictly a savings account with no money coming in that is not intended. Meaning the users know what they are putting in and know the claimed promises of 4 %. But when I am trying to see the same information on my online account, it is non existent. What gives? Just another shady step for corporate to get across hoping someone doesn't notice? That seems to be what guides the world today

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 2026-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am being sued by the company that bought the debt in XXXX. But they contacted me back in XXXX and tried to manipulate me into making a {$50.00} payment. I told XXXX XXXX that I was on XXXX retirement for being injured in the XXXX XXXX XXXX XXXX XXXXXXXX. They basically hung up on me. Now over XXXX XXXX later they have submitted a lawsuit to the XXXX XXXX court trying to take my XXXX XXXX pay. They have sent so much informatikn over time to me that i have been contiuously stressed and now that they have sued me after the navy federal said after XXXX yrs after last payment it would drop off of my credit and no one could come at me for it. My wife and kids and i were homeless at the time i made the last payment in XXXX XXXX. I know i paid for some lind of insurance to help if a situation came up. Please help me because my family can not loose XXXX home again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
To Whom It XXXX Concern in the Relations Department, This is regarding an account placed on my credit report by THE CBE GROUP XXXX XXXX {$170.00} I dispute this debt in its entirety and assert that I do not owe this amount and this account does not belong to me. Furthermore is in possession of my personal information without my consent, which may constitute a violation of federal privacy and consumer protection laws. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), you are required to send a written notice of the debt, including the name of the creditor, the amount owed, and a clear statement of my right to dispute the debt within 30 days. I did not receive such notice. This failure constitutes a direct violation of federal law. I request that THE CBE GROUP XXXX XXXX immediately DELETE this account from all consumer credit reports to which it has been furnished, including XXXX XXXX XXXX XXXX. I have no contractual agreement with your company, and no obligation to pay any amount has been established. If this debt originated with another creditor, I demand that the account be returned to the original creditor and that you provide legally sufficient verification of the debt. As outlined by the FDCPA and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), I am requesting the following : 1. A complete itemized payment history, including the date and nature of all charges and payments. 2. A copy of a signed contract bearing my wet signature as evidence of a binding agreement. 3. A copy of government-issued photo identification allegedly used to open the account. 4. The full Social Security Number associated with the account to verify the identity of the person you claim owes this debt. Statements or billing summaries do not meet the legal standard of verification. I require an affidavit or sworn statement attesting to the authenticity and accuracy of the debt. This letter also serves as a formal cease and desist demand under 15 U.S. Code 1692c ( c ). You must immediately terminate all collection activities related to this matter. If you can not provide the requested documents within 30 days, you are required to : - Cease all collection activity on this account, - Delete the account from all credit reporting agencies, and - Return all personal information youve obtained to the original creditor or destroy it in accordance with applicable privacy laws. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX XXXX XXXX ( XXXX ), and my State Attorney Generals office. I demand written confirmation that this account has been deleted from my credit report and that no further collection activity will occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am disputing an alleged deficit on my Robinhood account. On XX/XX/year>, I disputed a transaction for {$73000.00}. I filed a dispute with Robinhood Compliance requesting a breakdown of the balance, supporting documentation, and proof that I am responsible for the amount. I also contacted my bank, XXXX XXXX XXXXXXXX, which conducted an investigation and determined the transaction was not valid. As a result, XXXX XXXX XXXXXXXX refunded the {$73000.00} back to my account. Despite this, Robinhood continues to show a {$73000.00} deficit and has not provided proper validation or resolved the issue. Robinhood has not responded with sufficient evidence or corrected the account balance. I am requesting that this matter be resolved and the incorrect deficit removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I recently found out that someone used my SSN to open a credit card account with BARCLAYS BANK DELAWARE. I have tried contacting the company multiple times to dispute this- they say there is no account listed under my name or birthdate. And I do not have an account number to give them because I did not open the account. They have sent this to a financial recovery service for an amount of {$8600.00}. When I call their fraud department at XXXX. They are either busy or shut down or tell me there's no account in my name and then they ask for my full Social Security number which I am not going to do.

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 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have had an incorrect transaction charged to my me and have not been able to get help in addressing this. On XX/XX/XXXX I withdrew {$180.00} from my XXXX account to my XXXX XXXX account. This transaction showed up as a negative on my bank statement as a pending charge. I was not sure why but I saw the funds were still available to withdraw on my XXXX, so on XX/XX/XXXX I attempted again to send that money to my XXXX checking acct. Again this was charged to my account as a negative. I called my bank and disputed this, and a few days later the pending charge was removed from my account, and a reimbursement given for the finalized charge, resulting in a net {$0.00} being deposited into my XXXX checking acct from this deposit ( XXXX XXXX from XXXX & XXXX XXXX from the dispute with my bank. ) XXXX then charged me {$180.00} on my XXXX account on two separate transactions, and I am unsure why. I called to try to get an explanation but when I try to explain the situation to them they just tell me I'm incorrect and that I was not removing funds from my XXXX to my XXXX Acct in the original transaction, but instead depositing funds to my XXXX account. I tell them this is where the problem lies, that while I had {$180.00} available to withdraw from my XXXX, it was instead charged to my XXXX account and no funds deposited to my XXXX. If XXXX would simply review my transactions, they would see I had this money in my account and it has now disappeared. So while I should have had {$180.00} sent to my XXXX XXXX acct, I was instead charged {$370.00} from XXXX, resulting in me losing {$370.00} total from this whole transaction. I tried to call XXXX support again but again they have not tried to assist with this or look over my XXXX transactions, or work with my bank to see that clearly no funds were sent to me. I tried to contact them on their online support and the support member told me it was my fault because I went to my bank to dispute the charge before contacting XXXX, to and that there was nothing they would do to look into this. When I go to my bank, they tell me XXXX needs to help me because the mistake is on their end. The second {$180.00} charge on my XXXX shows as {$110.00} in my transactions, but that is because that is what I had in my account. The rest was charged to my account as a negative {$68.00} Just as another note, when I review my account history, from what I can see from the bank statements, my account balance was actually {$180.00} when I withdrew the original XXXX. Could XXXX have shown an incorrect amount that I had available to withdraw and that caused the original error when transferring that money from my XXXX to my XXXX? I'm not sure if that is possible but none of this has made sense so wanted to point that out also in case it is worth noting

Company response to consumer: Closed with explanation