vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I am filing this complaint against Select Portfolio Servicing , Inc. ( SPS ) for unfair, predatory, and potentially illegal mortgage servicing practices that have caused ongoing financial and emotional harm. During [ insert year range ], I was a federal employee attempting to obtain XXXX due to severe XXXX. During this period, I had no income and was unable to make mortgage payments. I communicated my hardship to SPS in detail, including submitting a letter explaining my medical and financial situation. Despite this, SPS : Converted my mortgage from a 2.3 % interest rate into a balloon payment, drastically increasing my monthly obligation. Extended my XXXX mortgage to a XXXX term, significantly increasing my total financial burden. Offered no reasonable accommodations or alternatives despite my documented XXXX and hardship. Took actions that exploited my vulnerability, worsening my financial and emotional state. Immediately sold my mortgage to another lender after placing me in this unfavorable loan structure, further complicating my situation and continuing the financial harm. I even sought help through the Maryland XXXX Assistance XXXX ( XXXX ), emailing them to request that my mortgage remain at the 2.3 % interest rate. They responded that they would honor this, yet no follow-up occurred and my mortgage was still restructured without question. For the longest time, I was focused on trying to heal from my mental health struggles and had no idea that what SPS was doing was wrong or predatory. I have attempted to obtain help or support to hold SPS accountable, but I have not received any assistance, leaving me no recourse other than filing this complaint. This situation has become a serious monthly burden, making it difficult to meet basic needs, including food, and hindering my ability to recover. I believe SPSs actions constitute unfair, deceptive, and abusive practices, including a failure to reasonably accommodate a borrower with a documented XXXX. I Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Ally Bank - Account open on XX/XX/XXXX using the code " XXXX '' " To qualify for the {$300.00} cash bonus, the following conditions must be met : You must open your first Ally Bank XXXX Account using the offer code XXXX no later than XX/XX/XXXX. The account must be funded with any amount within XXXX calendar days of opening. You must receive Qualifying Direct Deposits ( XXXX ) totaling at least {$1000.00} per month for XXXX consecutive months into the new Spending Account. The first month 's QDD must post within XXXX calendar days of account opening. The {$300.00} bonus will be deposited into your Spending Account within XXXX days after the second consecutive month of qualifying deposits, provided the account remains in XXXX XXXX '' XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XX/XX/XXXX - {$1000.00} there was even an additional one. XXXX XXXX - XX/XX/XXXX - {$1000.00} The deposit should have occurred sometime in mid-late XXXX. I first contacted on XX/XX/XXXX to note the missing bonus. I was told this would be resolved in XXXX business days. I responded to Ally to ensure i met their terms. This was the reply " Thank you for taking the time to contact Ally Bank. We value your business, and I can certainly assist you with your concern today. I hope this message finds you well. I truly appreciate you taking the time to outline your deposit dates. I completely understand how frustrating it can be to wait past the expected timeframe especially when you've met all the requirements. I sincerely apologize for the inconvenience this delay has caused, and I'm here to make sure you re fully supported.... For your reference, your case number is XXXX '' I have sense messaged them multiple times for a status update of my case number and to ask for my {$300.00} bonus. Today is business day XXXX since i first contacted them about the issue.

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 monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am reporting an unauthorized transaction of {$6600.00} that I do not recognize. I reported this transaction to Bank of America in XX/XX/XXXX, and I was issued a temporary credit while they investigated. In XX/XX/XXXX, the bank reversed the credit and claimed the investigation was resolved against me. I strongly dispute this outcome because I did not authorize this transaction in any way. I requested a reinvestigation and asked the bank to provide documentation and evidence supporting their decision, including proof that I authorized the transaction. However, they refused to reopen the case and did not provide sufficient evidence. I have never recognized or approved this transaction, and I believe the bank failed to properly investigate this matter. This situation is causing serious financial hardship, as it is affecting my ability to pay my mortgage and meet my financial obligations. I am requesting a full reinvestigation and that the {$6600.00} be credited back to my account.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: CA

Complaint narrative:
I am submitting this complaint regarding an unlawful lending agreement presented as a tribal loan. I dispute the validity and enforceability of this loan. The lender is not licensed to operate in my state and is attempting to use tribal affiliation to evade state lending laws, including interest rate caps, licensing requirements, and consumer protection statutes. The terms of this loan include excessive and unlawful interest rate of 897.62 % that would not be permitted under my states laws. I did not provide informed or lawful consent to an agreement that violates applicable lending regulations. Any authorization obtained was based on misleading or noncompliant disclosures. Additionally, this lender has engaged in improper practices, including [ unauthorized ACH withdrawals/ repeated debits / harassment / failure to provide clear loan terms adjust as applicable ]. I have requested validation of this debt and proof of the lenders authorization to operate in my state, including proper licensing. To date, this has not been provided. This loan is illegal and unenforceable under applicable law. I am requesting the following : Immediate cessation of all collection activity Confirmation that the account has been closed and the balance reduced to XXXX Refund of any amounts collected in excess of the original principal ( if applicable ) Removal of any credit reporting associated with this loan Continued collection attempts, including electronic withdrawals or reporting to credit bureaus, may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and applicable state laws. This complaint is submitted in good faith to resolve this matter and to ensure compliance with all applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX XXXX, I was the victim of a scam involving individuals impersonating XXXX cusstomer support. The caller falsely claimed that I needed to download an application called XXXX from the XXXX XXXX XXXX in order to process a refund. Believing this was legitimate customer support, I followed the instructions and downloaded the application. After installing the application, the scammer gained remote access to my device. Through deception and manipulation, unauthorized transactions were made from my Bank of America account. I did not knowingly authorize these transactions and did not intend to give anyone permission to access my bank account or transfer my funds. The total amount taken from my account was {$5900.00} I reported the fraud to Bank of America as soon as I descovered the unauthorized transaction and opened a claim with the bank. Initially, the bank reviewed the case but later denied my claim. I Requested a re-evaluation, and after another review the bank again denied the claim, stating that the transactions were authorized by me or some one who had permission to use my account/ I strongly disagree with this conclusion. Any apparent authorization occurred only because I was deceived by scammers impersonating legitimate customer support and using remote access software. I did not knowingly approve these transfers, and I received no benefit from the transactions. Because Bank of America has refused to reimburse the stolen funds despite the circumstances of fraud and deceptions, I am requesting assistance from the Consumer Financial Protection Bureau. I respectfully request that Bank of America reopen and properly investigate my case, provide the evidence used to deny my claim, and restore the disputed funds of {$5900.00} to my account.

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: TrueAccord Corp.
State: IL

Complaint narrative:
TRUEACCORD XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD XXXX 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 XXXX XXXX XXXX - 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On or around XX/XX/year>, my business processed a payment in the amount of {$2800.00} through XXXX for professional training and consulting services that were fully delivered to the customer. Following this transaction, XXXX placed a hold and/or restriction on my account and is currently withholding access to my funds without clear justification or a transparent resolution timeline. The services associated with this payment were completed in full. The customer received the training, materials, mentorship, and deliverables as agreed. Despite this, I am being denied access to funds from this completed transaction. Additionally, the transaction has been disputed by the cardholder through their issuing bank, Goldman Sachs Bank USA, despite the services having been fully delivered and utilized. I have attempted to resolve this issue directly with XXXX but have not received a clear explanation or a reasonable timeline for when my funds will be released. The involvement of both XXXX and Goldman Sachs Bank USA has resulted in continued delays and uncertainty regarding access to my funds. This situation is causing significant financial hardship to my business, including impacting my ability to meet operational obligations and pay staff. I am requesting that XXXX and Goldman Sachs Bank USA : XXXX. Ensure a fair and timely review of the dispute based on the full delivery of services XXXX. Provide transparency regarding the status of the disputed funds XXXX. Prevent unnecessary delays in releasing funds tied to completed and fulfilled transactions This complaint is being filed because I have fulfilled my contractual obligations, yet I am being denied access to funds that are rightfully owed to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. I am requesting validation of this alleged debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt and request that you provide proper validation. Please provide the following : XXXX. The name and address of the original creditor XXXX. The full amount of the alleged debt, including any fees or interest XXXX. Copies of any documents bearing my signature showing I agreed to this debt XXXX. Proof that your company is authorized to collect on this debt XXXX. A complete payment history on this account XXXX. Proof that the statute of limitations has not expired Until you provide this information, you must cease all collection activity and reporting to any credit reporting agencies. If this debt can not be validated, I request that it be removed from my credit report immediately. All communication regarding this matter should be in writing only. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I am filing this complaint against Transworld Systems Inc. ( TSI ) regarding a medical debt ( Account XXXX XXXXXXXX ) from XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a formal notice from TSI stating that the principal amount owed is {$100.00}. The letter explicitly provided a XXXX notification period. Today, XX/XX/XXXX, which is the final day of the stated period, I proactively called TSI at ( XXXX ) XXXX to pay the full balance of {$100.00} as documented in their written notice. However, the representative informed me that the balance is now approximately {$230.00}. This is more than double the original amount in less than XXXX months since the date of service ( XX/XX/XXXX ). This sudden and unexplained increase is predatory, unreasonable, and inconsistent with the written notice provided by the agency. I attempted to settle the debt in good faith for the amount verified in writing, but the agency refused to accept the {$100.00} payment and demanded an unauthorized amount instead. I request that the balance be corrected to the original {$100.00} and that this dispute be noted to prevent any negative reporting to my credit history. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have filed a disputes for my time checking account and the amount was {$2200.00} transactions that I did not make on my account the company reopened the disputes because the first XXXX got denied and now they are working on the second time I did the same dispute on my checking account they have not responded to me yet and I would like them to put the money back on my account the {$2200.00} from the transactions that I did not commit and it was back in XXXX of last year

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
Dear CFBP I obtained a loan from XXXX ( also referred to as XXXX in communications ) to build my credit. Personal loan XXXX XXXXXXXX. I have made all payments on time and have maintained a positive payment history since the account was opened. I made their XXXX payments before XXXX days of the due date, and auto-scheduled all upcoming payments. However, despite the company 's repeated assurances that it reports to all three major credit bureaus ( XXXX XXXX and XXXX ), this account does not appear on any of my credit reports. XXXX and actions taken : Since opening the account, I have consistently made on-time payments. After noticing that the account was not appearing on my credit reports, I contacted the company multiple times via email and phone. The company repeatedly stated that they have reported the account to all XXXX credit bureaus, but failed to provide any verifiable proof. I explicitly requested the following information from the company, but they have not provided any of it : Written confirmation of the exact date the data was transmitted to each credit bureau Confirmation of the reporting format used ( e.g., XXXX XXXX or other ) Confirmation that the reporting files were successfully accepted by each credit bureau A case or escalation reference number for this issue Despite multiple follow-ups, I have received no documentation, no proof of reporting, and no resolution. This situation is concerning because the product appears to be marketed as a credit-building loan, yet the lack of reporting prevents it from serving its intended purpose. Additionally, the companys inability or refusal to provide basic reporting details raises concerns about the accuracy and legitimacy of their claims. I am seeking assistance to ensure accurate credit reporting and to hold the company accountable for its stated obligations. Kind Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OK

Complaint narrative:
Reference Number : XXXX Current Creditor Account Number : XXXX Current Creditor : Jefferson Capital Systems LLC Original Creditor : Regional Finance Company Jefferson Capital Systems LLC- reported to the collection agency that between XX/XX/year> and XX/XX/year> that I have fallen behind in payments which is incorrect. I am paying as agreed every month, not only on time but early. My credit dropped XXXX points. Original Balance {$3.00}, XXXX and I paid {$1.00}, XXXX with a remaining balance of {$680.00}. I called XXXX XXXX who collects the payment and they informed me that Jefferson Capital reported it then I called Jefferson Capital and they tried to make me pay more than owed. They are being deceptive in inaccurate. My main email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Case closed in your favor We reviewed the case you filed on XX/XX/year> and have decided in your favor. We've issued a refund of {$450.00} USD to you on XX/XX/year>. It may take up to XXXX days for this refund to be reflected on your PayPal account or bank. If you paid using a credit or debit card, the money will be refunded to your card. Depending on your card issuer, it can take up to XXXX days for the refund to appear on your card statement. Dispute case ID XXXX XXXX XXXX {$810.00} USD Dispute amount {$450.00} USD Transaction date XX/XX/year> Seller name XXXX XXXX Transaction ID XXXX View Case Outcome This case is now closed. Thank you for working with us. PayPal Your refund is on the way You overpaid your Pay in XXXX plan for your XXXX XXXX purchase. We're sending you a {$99.00} USD refund to your account with PayPal. To maintain and use a PayPal balance, you need a PayPal XXXX account. To see the status of your XXXX XXXX XXXX plan, just log in to your account with PayPal and go to XXXX XXXX XXXX PayPal Your refund is on the way You overpaid your XXXXXXXX XXXX XXXX plan for your XXXX XXXX purchase. We're sending you a {$250.00} USD refund to your account with PayPal. To maintain and use a PayPal balance, you need a PayPal Balance account. To see the status of your Pay in XXXX plan, just log in to your account with PayPal and go to XXXX XXXX XXXX XXXX XXXX to PayPal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
I was a victim of identity theft for the past XXXX years. My account has been used to purchase phones in california, create unemployment accounts in california and also to open a XXXX XXXX credit card. I have additional debt that I have not used myself.

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 — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I applied for an XXXX XXXX ( XXXX ) plan in XX/XX/XXXX. After several months without a response, my application was denied in XX/XX/XXXX due to an incorrect determination that I have a XXXX XXXX loan, which I do not have. I reapplied in XX/XX/XXXX but did not receive a response, so I applied again in XX/XX/XXXX. That application was also denied due to the same incorrect XXXX XXXX designation. After contacting the servicer multiple times, the error was temporarily corrected and I was placed on a repayment plan with a significantly higher monthly payment than the estimate originally provided through XXXX XXXX XXXX. Shortly afterward, my account indicated that I needed to recertify my XXXX information, so I reapplied in XX/XX/XXXX. This application was again incorrectly denied due to a XXXX XXXX loan that does not exist on my account. Because my account continues to be incorrectly flagged as containing a XXXX XXXX loan, my XXXX applications have been repeatedly delayed and my payment amount has been calculated incorrectly. These servicing errors have resulted in extended periods of forbearance, causing many months since XX/XX/XXXX to not count toward XXXX XXXX XXXX XXXX ( XXXX ), despite my timely applications and repeated efforts to resolve the issue. I have made continuous good-faith efforts to correct this error since XX/XX/XXXX, but the issue remains unresolved and continues to negatively affect my XXXX progress.

Company response to consumer: Untimely response