vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX. ( XXXX ) XXXX. Last SS # : XXXX XXXX. Date : XX/XX/XXXX. Resurgent Capital Services XXXX .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, SC XXXX. Subject : Formal Dispute Improper Post-Dispute Collection and Validation Demand. To Whom It May Concern. I am in receipt of your correspondence dated XX/XX/XXXX, Reference ID XXXX, Account XXXX, asserting that the above-referenced account with total balance {$610.00} was sold on XX/XX/XXXX to XXXX Bank and XXXX with your agency for servicing. XXXX XXXX initially identified XXXX XXXX, XXXX as the servicing collector. Shortly thereafter, Resurgent Capital Services L.P. issued a letter dated XX/XX/XXXX, asserting the account was sold on XX/XX/XXXX, to XXXX Bank and placed for servicingwithout resolving the existing dispute or providing lawful notice. These actions raise serious concerns under the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681s-2 ( a ) and ( b ), for inaccurate furnishing, failure to investigate, and inconsistent reporting across multiple entities. On or about XX/XX/XXXX, XXXX XXXX also provided me with written settlement terms, referencing an agreement reached in XX/XX/XXXX, whereby a balance of {$600.00} would be settled for {$300.00}, with the remaining balance forgiven and reported accordingly to consumer reporting agencies. That correspondence failed to reflect an additional agreed condition : the deletion of negative credit reporting upon settlement. 
Despite acting in good faith and making a {$27.00} payment while attempting to preserve and clarify the settlement, XXXX XXXX subsequently : Provided conflicting information regarding the accounts status. Claimed inability to locate or honor the written settlement. Referred or placed the account with third parties without clear notice. Allowed continued collection and reporting during an active dispute This communication occurred after : A formal dispute with XXXX XXXX. Collection attempts by XXXX XXXX. Submission of complaints to the CFPB, with escalation to the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: NC

Complaint narrative:
I am filing a complaint against MOHELA regarding my federal student loans due to serious concerns about inaccurate accounting, excessive repayment, and failure to properly apply payments. 
I have paid back more than the original amount borrowed, yet my loan balance remains unreasonably high. Despite years of consistent payments, my principal does not reflect appropriate reduction, and MOHELA has not provided a clear or accurate explanation for how my payments have been applied. 
I am concerned that payments may have been misapplied, improperly allocated to interest, or inaccurately credited. I have also experienced difficulty obtaining a complete and transparent payment history that clearly shows how my balance was calculated over time. 
I am requesting : A full and itemized accounting of my loan, including all payments made, how each payment was applied, and how the current balance was calculated Correction of any errors in payment application or balance calculation Refund or adjustment for any overpayment Confirmation that my loan balance accurately reflects the amount legally owed I believe MOHELAs handling of my account may violate consumer protection standards related to accurate servicing, billing transparency, and fair treatment of borrowers. 
I am requesting the CFPBs assistance in ensuring this matter is investigated and resolved promptly.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 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: TX

Complaint narrative:
I inquired with MOHELA Customer Service via email to understand my current account status, whether forbearance was ending XX/XX/year> ( per my account ) or if if my account is to continue to be in forbearance. I was met with passive information, not clarifying what my current account status is. 

On XX/XX/year>, I submitted documentation requesting to continue forbearance. 
Submission # : XXXX ( screenshot attached ). 

On XX/XX/year>, I reached out via telephone to speak with customer service for an update on the documentation. Per MOHELA customer service agent over the phone, I was told I had until end of XX/XX/year> to be in forbearance and that I may ask to continue to be in forbearance because I had another 36 months to utilize. I shared that this information negates what is listed on my account, which states I have forbearance ending XX/XX/year>. 

On XX/XX/year>, after the phone call with a MOHELA customer service agent, I sent an email through my MOHELA account to confirm information I was told over the phone. This same day, MOHELA responds with inconclusive information. 

On XX/XX/year>, my MOHELA account still reflects forbearance ends XX/XX/year>. 

It is still unclear where I stand in forbearance as the information on my account conflicts with verbal information shared over the phone. MOHELA has not provided a clear answer as to what the status of my account is.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: U.S. BANCORP
State: IL

Complaint narrative:
I originally owned two properties within a cul-de-sac. I attempted to sell one of the properties, of which both loans were under USBank. When I attempted to sell one of the properties, the bank got the properties mixed up and actually sold the wrong property. The buyer did not notice the mistake and use the land for the correct property. The buyer had purchased the property that I had planned to use, although they put a home on the property that I plan to sell them anyway. I notified USBank of the mistake approximately 2 to 3 months later noticing a problem when I was making a payment, the bank was telling me I was paying the wrong loan. After prolonged discussions with the bank, and my lawyer ( whom did the closing for me ), I have continued to make monthly payments on a mortgage for a property that I do not own. I have continued making the payments to keep the bank from messing up my credit. The bank suddenly changed my interest rate, and began demanding more for my monthly payments every month! At this point, I just wanted to pay off the loan, although it is not mine, to stop all the calls for the payments every week! I attempted four times to pay off the balance, only to have the bank return the payments. The first time I attempted to pay off the balance, I paid with a personal check for which my bank thought it was some fraudulent activity. My bank ( citi ), stopped the payment. The next three payments I made were by wire transfer, while on the phone given instructions by USBank, I paid the balance off each time. Each time the payment was sent back to me, with no clear understanding why, but I was left with additional fees because of no payment! I feel as if the bank does not consider me a client, since they never tried to help me correct the mistake of the incorrect sale. Now the homeowners for the property I attempted to sell them, are now having similar problem that I am having!

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 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Valon Technologies, Inc.
State: MO

Complaint narrative:
XXXX mortgage sold my loan to Valon Mortgage and ever since then this company wants to tack on extra fees XXXX here XXXX there. I just pay it cause I dont want to argue. I have never had a late payment on this mortgage even when I was going through a hardship I still made sure my house payment was paid first and foremost. I am now digging my way out of the hole I was in. I have been paying on this loan for about 8 years give or take and this isnt the first time this mortgage has been sold but it is the first time my house payment went up XXXX dollars. I am already struggling to make ends meet and my payment has always been around XXXX dollars with 3.5 % interest on a fixed loan. They are trying to to tell me there is no money left in escrow first time I was ever told that. I do not trust this mortgage company at all. Any way I can not afford this payment of XXXX dollars a month I am on Social Security and that is all the money I get each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NC

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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX and LVNV Funding LLC regarding harassing and excessive email communications and improper collection conduct. 

XXXX has repeatedly contacted me by email XXXX times per day regarding this alleged debt. The frequency of these communications is excessive, disruptive, and has caused stress. I have asked for the communication to stop, but the excessive emails continued. 

This conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692c ( communication rules ) and 15 U.S.C. 1692d ( harassment/abuse ). Additionally, this company is reporting information to credit bureaus that I dispute as inaccurate/unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 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 2026-01-23 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting this complaint regarding Goldman Sachs Bank USA, issuer of the Apple Card, and its handling of a billing dispute related to a merchant transaction. 

On XX/XX/2024, I made a purchase from XXXX in the amount of {$3000.00} using my Apple Card. At the time of purchase, the merchants return policy stated that items were eligible for a full refund if returned within 14 days of delivery, and I relied on this policy when completing the transaction. 

I received the merchandise on XX/XX/2024. Upon inspection, the garments had sensors still attached that could not be removed without damaging the items. I attempted to initiate a return in accordance with the merchants written instructions and the return policy in effect at the time of purchase. When I attempted to process the return on XX/XX/XXXX and XX/XX/2024, I was informed that the merchant had changed its return policy after my purchase and that the items were now considered non-refundable. 

I promptly filed a billing dispute with Goldman Sachs on XX/XX/2024. I provided supporting documentation, including screenshots of the merchants return policy as it appeared at the time of purchase, proof of delivery, receipts, photographs showing the sensors attached to the merchandise, records of my communications with the merchant, and additional materials reflecting other consumer complaints describing similar retroactive changes to the merchants return policy. Despite this documentation, Goldman Sachs denied the dispute and relied on the merchants updated return policy, which was implemented after my purchase. It does not appear that the dispute determinations evaluated the transaction under the return policy that governed the purchase date. 

Since that time, I have re-disputed this charge multiple times over the past year and have consistently received the same denial. 

I believe Goldman Sachs failed to conduct a reasonable investigation as required under the Fair Credit Billing Act ( FCBA ). Allowing a merchant to apply a materially different return policy retroactively undermines consumer protections and results in cardholders being held responsible for charges that were disputed in good faith with supporting evidence. 

I am requesting that this matter be reviewed and that Goldman Sachs be required to properly investigate the dispute. I am seeking a refund of the {$3000.00} charge based on the merchants return policy as it existed at the time of purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: MN

Complaint narrative:
First Latitude Card is a Scam. It is one of the cards where your own money is the limit on card well in XXXX they took my limit {$100.00} plus gave me fee of {$68.00} and when I called them well they sent it to collections I talked to the collection company and told them I am not paying the scam company and a week later they even sent me a bill as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: AZ

Complaint narrative:
After I got the loan, I found out that it was almost XXXX  % and it had to come out of a bank account or a credit card twice a month on their days and so I could never get caught up because Im paying a ridiculous amount every day I wanted to go somewhere like XXXX or XXXX or XXXX XXXX and just send them all the money, but they wont let me and my bank is charging me a horrible fee every time I make a payment to them. And now because Im overdrawn at my bank theyre threatening me and Im not sure what to do. XXXX XXXX XXXX XXXX and I was never told this was an out of the country organization or I never would have used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally Financial Servicer, Ally Bank Assignee, XXXX XXXX XXXX XXXX Dealer [ Assignor Not Creditor ] XXXX XXXX [ Title Company ] including the entire teams of all parties were served a Lawful Demand to provide Accounting by the Ledger under XXXX, XXXX, XXXX, XXXX, to which all parties failed to comply in any manner. 

Ally Servicer and Bank were made aware of the DISPUTE OF THE ALLEGED DEBT, and chose to deny their duty of performance, to honor the Dispute ( Continuing Collections ) and the Governing Laws of their Institution, all stated in the attached. 

Ally Financial refused to review the account, be honest, and continued collections despite the laws. Attempted repo and Charge Off after sending an email stating they were investigating. Which is unlawful and a Breach of Trust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I owed money from a repossession. I spoke to Ally financial XX/XX/XXXX and made a settlement agreement of {$1700.00} by making XXXX payments of {$210.00} a month. I have made every monthly payment and have confirmation # s for all payments. I called today to get the pay off for the settlement because some payments were more than the agreed {$210.00}. When I called they said since the account was owed from XXXX they canceled the settlement. After we had agreed and I had made the payments we agreed on. I was not notified of this. And in my account the representative stated the manager approved the settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
STATEMENT OF FACT - REF : XXXX Verified Identity : I am a legal joint owner of the account. I have successfully passed SSN and XXXX historical address verification with Chase agents. 

Unreasonable Access Barriers : Chase is withholding {$2000.00} of my personal funds ( needed for rent/essentials ) due to an automated phone-verification system that fails for US citizens currently residing XXXX, despite my passing all other high-level security checks. 

Bad Faith Engagement : On my XXXX birthday ( XXXX ), the Executive Office sent a written invitation to resolve this by XXXX PM EST. I called at XXXX PM EST. I was informed the assigned agent XXXX XXXXXXXX XXXX had left early and that " no one else would help me. '' Elder Financial Negligence : As a senior citizen on a fixed income, I consider the intentional withholding of my assetsafter legal identity has been establishedto be a violation of consumer rights and a breach of fiduciary duty. 

ACTION TAKEN : As of XXXX PM EST, formal complaints have been filed with the CFPB and the OCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Subject : I am submitting this complaint regarding inaccurate and misleading mortgage credit reporting by Citizens Bank, N.A. 

Summary of Issue Citizens Bank is reporting my mortgage account as more than 180 days delinquent despite the loan being subject to approved forbearance and active loss-mitigation review following a declared natural disaster. 

Key Facts The property securing the mortgage was destroyed in the XXXX XXXX fire on XX/XX/year> ( a declared state and federal disaster ). 
Citizens Bank approved multiple forbearance plans in 2025 that explicitly suspended my obligation to make mortgage payments. 
I complied fully with all program requirements and maintained continuous communication with Citizens Bank. 
In XX/XX/year>, Citizens Bank confirmed receipt of a complete mortgage assistance / deferment application, triggering loss-mitigation review protections. 
Despite this, Citizens Bank reported the account as severely delinquent ( XXXX days ), without appropriately reflecting the approved forbearance and loss-mitigation status. 

Reporting this account as severely delinquent during an approved forbearance and disaster-related loss-mitigation process is misleading, harmful, and inconsistent with fair servicing and credit reporting obligations. This reporting has caused significant credit harm despite good-faith cooperation and documented hardship. 

I am attaching documentation from Citizens Bank confirming forbearance approval and active loss-mitigation review. 

Thank you for your assistance in resolving this matter in a timely manner. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I received by postal mail a 1099K ( Payment Card and XXXX XXXX XXXX XXXX XXXX form with information indicating that I received payment of {$2200.00} for XXXX payment transactions. I have never had a business account with Cash App and the personal account I once had was closed early in 2025. I have not received any money from a Cash App account. This is a scam fraudulent account set up using my old account information. I have contacted Cash App and they gave me a case number but no timeline or anybody else I could contact and no timeline for resolving the situation. They said I should just call back. 
I am concerned because I will be filing my 2025 taxes in a few weeks and I don't want a delay because of this income that is not mine. A search on the internet shows that this is a common scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing an inaccurately reported collection account by LVNV Funding. 

The alleged debt originates from a XXXX XXXX credit card account that was included in my XXXX  XXXX bankruptcy, filed and reflected on my credit report with a status update in XX/XX/XXXX. The original account was closed and subject to bankruptcy protection. 

Despite this, LVNV Funding opened a new collection account in XXXX and is reporting a balance of {$1500.00} for the same debt. A debt that has been included in bankruptcy can not legally be sold and re-reported as a new collection account, nor can it be represented as currently collectible. 

This reporting is inaccurate and misleading and appears to violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). LVNV Funding has not provided proof that this debt was excluded from my bankruptcy or that they have any legal right to report or collect it. 

I am requesting the immediate deletion of this collection account from all credit reporting agencies and written confirmation of the correction. 

Supporting documentation includes credit report records showing the XXXX XXXX account status as included in bankruptcy.

Company response to consumer: Closed with explanation