vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: WV

Complaint narrative:
In the last 2 years ive been struggling with my student loan payments because of major XXXX, car accident, house fire and loosing everything. Im struggling to find a job and its been 2 years. I have alot of medical problems now. Ive tried to consolidate, I tried the different things u can do and I cant get anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
On XX/XX/year> I contacted Exeter finance in regards to calling my place of employment. I informed them they never had permission to contact my employer. They stated that they put the number on the do not contact list. Yesterday XX/XX/year> at XXXX they contacted my employer again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: TX

Complaint narrative:
On XX/XX/year> I submitted a completed False Certification Identity Theft Loan Discharge Application to MOHELA along with my FTC Identity Theft Report, XXXX XXXX Police Department report, and all supporting documentation. A fraudulent federal student loan of {$1500.00} was opened in my name without my knowledge or authorization through a fraudulent XXXX application submitted XX/XX/year> and fraudulent enrollment at a university on XX/XX/year>. MOHELA acknowledged receipt of my documentation on XX/XX/year> with correspondence code XXXX. It has been 22 days with no decision, no formal claim number assigned, and no timeline provided. When I called MOHELA they placed me in a callback queue with no resolution. When I sent a secure inbox message requesting a status update I received no response. The fraudulent account remains open and is actively reporting on my credit report causing ongoing harm. I am requesting that MOHELA assign a formal claim number, place this account in administrative forbearance immediately, and issue a decision on my discharge application without further delay.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint against Capital One for engaging in deceptive practices regarding a credit card dispute. On XX/XX/XXXX, I purchased a {$2500.00} appliance that arrived with severe structural damage. The merchant intentionally strung me along to run out the standard 120-day chargeback clock. When I contacted Capital One to initiate a dispute, the transaction was past the timeframe and should have been denied immediately. Instead, Capital One engaged in a highly deceptive process : They opened Dispute Case # XXXX and issued a temporary credit. On XX/XX/XXXX, they sent a formal letter demanding I gather photographic evidence to " validate my dispute. '' After I complied, Capital One abruptly closed the case and reversed the credit, sending me three different, contradictory rejection letters in a 24-hour period ( XX/XX/XXXX and XX/XX/XXXX ). The final letter stated the transaction was simply too old to disputea fact Capital One 's system knew on day one. On XX/XX/XXXX, I spoke with a Capital One Supervisor ( ID : XXXX ). On a recorded line, the supervisor explicitly admitted that their system is fundamentally flawed and allows reps to open disputes and request evidence even when the statute of limitations has explicitly passed. I escalated this to the CEO 's Executive Resolution Team, who later called me and attempted to retroactively change the narrative to cover up this procedural failure. By opening a legally dead claim, Capital One negligently led me to believe an active investigation was occurring, causing me to lose critical time to pursue immediate legal action against the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX : XXXX, XXXX : XX/XX/year>. This complaint is being filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at T hese accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the fraudulent accounts in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned collections and accounts are the result of identity theft and fraud. I have attached a copy of the FTC Criminal Complaint ( Case # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
XX/XX/year>. Closed on mortgage refinanced with planet Home Lending. Went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to $ XXXX monthly. XX/XX/year> received escrow shortage letter stating my mortgage would go up to {$1800.00} in XXXX XX/XX/year>. Made XXXX payment of {$1600.00} per statement XX/XX/year> received statement for {$1800.00} I believe this was a bait and switch. They changed the terms before my XXXX payment was even due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bilt Technologies, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX, my Bilt XXXX account, serviced by XXXX and issued by XXXX XXXX, was suddenly suspended during a normal purchase attempt at XXXX for approximately {$600.00}. Prior to the suspension, I had recently paid my account balance in full, including a statement balance of approximately {$17000.00}, and my account was current with no missed payments. After the suspension, I received an email from XXXX stating that my account had been temporarily suspended as part of a review and requesting identity verification documents, including a photo of myself holding a government-issued ID. I promptly provided all requested documentation on XX/XX/year>. Since then, my account has remained frozen and I have not received any meaningful update regarding the status of the review, expected timeline, or whether additional information is needed. I have attempted to contact customer support multiple times through the existing support thread and phone calls, but I have either received no response or no substantive information regarding when the review will be completed. During this time, I have been unable to access or use my account despite fully cooperating with all verification requests. I understand financial institutions XXXX conduct fraud prevention reviews, but I am concerned about the lack of communication, the indefinite nature of the account suspension, and the inability to obtain a clear explanation or timeline for resolution. I am requesting that the company : XXXX provide a clear status update regarding the review, XXXX restore access to my account if verification has been completed, XXXX or clearly explain the reason for any continued restriction and what additional steps are required from me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I entered into stipulations with Andreau Palma debt collection law firm on XXXX outstanding XXXX accounts. XXXX payment due each month was {$66.00} and the other was {$180.00}. I was making my required monthly payments but when Andreau Palma switched to a new online billing system. The new system was very difficult to see which account I was paying due to the fact that the amount requested in each account was {$180.00}. per month. The accounts also did not reference the original account/case numbers. I reached out to them and asked that they correct it before it would wrongfully appear that I was not making the full payments, but it never was corrected. As a result, at times I paid more on one account than was required and less on another due to their incorrect amount due request in their billing system. In any event the total amount I paid was over the amount due at the time they filed for a default for lack of payment. This was a misrepresentation to the court. I tried to reach out to resolve the issue to no avail. After that I did not make payments on the other account because I feared again I would not get proper credit for payments made. Therefore they filed a default in that case as well. Now they are attempting to garnish my wages and when I called the attorney this morning to try and resolve the issue he answered the phone and when I told him that I was calling in an attempt to resolve the issue before going to court he sent me to a recording saying he did not accept unsolicited calls. Andreau Palma is one of the largest debt collection firms in Florida. Their online system is inaccurate and misleading resulting in wrongful unnecessary default judgments and is a violation of the fair debt collection practices. I have screenshots and correspondence that I can share. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Inc is the collection agency for XXXX. My original debt was a little over {$7000.00}. They are sending me letters stating I still owe {$15000.00}, which is over DOUBLE what the original debt was. They have been having the US Treasury take all my federal taxes, so there is no way the amount owed is over $ XXXX. They also have been having the US Treasury take 30 % of my annuity, which is only {$1200.00} a month, which mean they have been taking {$300.00} since XX/XX/year>. They are charging a fee of {$19.00}, which means only {$280.00} is going toward that debt. They are also charging an interest rate of {$120.00} per month. This is highway robbery!!! After all the Federal taxes and what they been getting per month since XXXX, this debt should have been paid off. There is no way I can live off {$900.00} a month and survive, especially in today 's economy. They need to stop with these outrageous tactics. Please step in and do something about this illegal scheme this agency is trying to pull!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I mailed in formerly requesting to have my XXXX XXXX XXXX XXXX SCRA benefits applied to my previously paid off loan. I havent received any response from the. Ohio law states all debts be capped at 6 % including all obligations and liabilities and incurred during active service. I provided all documentation to show Ohio as my home of record ( XXXX ) and my XXXX XXXX start date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This fraud dispute was opened on XX/XX/XXXX. Citibank has failed to close this dispute within the required 90-day window as required by the FCRA. I pointed out in my letter of XX/XX/XXXX when and where I believe the card was skimmed. I have twice sent signed statements ( XX/XX/XXXX, XX/XX/XXXX ) that I did not authorize this transaction. Ive twice spoken with XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ), both times I stated that I did not know anyone named on the merchant response. In my letter of XX/XX/XXXX, I asked why Citibank approved this transaction on XX/XX/XXXX, when the card had already been cancelled on XX/XX/XXXX as compromised. I have not received an answer to that question. In the same letter of XX/XX/XXXX, I asked what name was present in the track data of the transaction. Again, I have not received an answer. I believe that the track data proves this was a cloned card and according to Citibank 's merchant agreement, responsibility for this fraudulent mag stripe transaction falls clearly on the merchant.

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 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: UT

Complaint narrative:
XXXX days ago I called and wanted the pay off figure. When I received it, it didn't match what I had in my records. I asked for a history of all the payments that I've given. She sent it to my email and it didn't have the running balances after each transaction that I made. I tried to explain to her that I sent in an {$850.00} payment extra for reducing my balance and it showed that they didn't apply that towards principle. They took interest out. There is still {$850.00} missing from the balance. I asked to talk to the XXXX and she was rude about being right. I called again today and asked for a running balance after each transaction. The Representative would not give it to me. I asked to talk to the XXXX and she said she won't give it to me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
XXXX XXXX Phone : XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Re : Complaint Against SoFi Bank, N.A. Regarding Unauthorized XXXX-Related Charges and Dispute Handling To the Consumer Financial Protection Bureau : I am submitting this complaint against SoFi Bank , N.A. regarding the handling of my dispute for unauthorized XXXXrelated charges. I am dissatisfied with SoFis response to my claim because I have provided multiple forms of evidence showing that the transactions were unauthorized, yet SoFi has not returned the disputed funds to my account. The charges at issue were XXXXrelated transactions that I did not authorize. I provided SoFi with evidence from XXXX indicating that the charges were disputed, that the related XXXX account activity was placed on hold, and that the funds were taken back through the card issuer or bank dispute process. XXXX also directed me to resolve the matter with my bank or card issuer. I also completed a three-way call with SoFi and XXXX representatives to confirm this information directly. In addition, I forwarded emails from XXXX showing that the charges were placed on hold and that XXXX recognized the dispute status. Within the last 24 hours, I received additional emails from XXXX that further support my position, and I have included those emails with my complaint. I have also included the prior evidence package I assembled and previously provided. Despite this, SoFi has not refunded the disputed funds. I believe SoFi has failed to properly review the evidence I submitted and has not handled my dispute in a fair, thorough, or timely manner. I am asking the CFPB to review this matter and require SoFi to properly investigate the dispute, review the attached evidence, and return the disputed funds to my SoFi account. Requested resolution : I am requesting that SoFi immediately reopen and/or properly review my dispute, consider all attached XXXX documentation and prior evidence, return the disputed funds to my account, and provide a written explanation of its final decision. I have made a good-faith effort to resolve this directly with SoFi, including providing documentation and participating in a three-way call with SoFi and XXXX. However, the matter remains unresolved, and I am now requesting CFPB assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
XX/XX/year> rocket mortgage received a check for {$100000.00} from me to pay on the principal. They refuse to post it to my account despite it clearing my bank. They advised me they I needed to pay an additional {$200.00} by wire transfer and generated a payoff document for me. I went to my bank and wired the additional {$200.00} on XX/XX/year>. Now they stated they are returning my {$100000.00} within XXXX business days. I need it posted to my balance. There is nothing in my documents from when Rocket Mortgage bought ouXXXX XXXX XXXX XXXXat states I can not pay a large sum on my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Newport Intermediate Inc.

Complaint narrative:
I am submitting a follow-up complaint regarding an unresolved issue involving blocked funds in the amount of {$2300.00} from XX/XX/year>. Despite multiple prior complaints and responses from North Lane Technologies, this matter remains unresolved after more than three years. In recent responses, the company stated that it is currently investigating the matter regarding incorrect documentation that was provided to me and may belong to another party. However, since that statement, I have not received any updates, clarification, or timeline regarding the outcome of this investigation. This is concerning, as the issue involves documentation that : references a different transaction date reflects a different amount contains identifying details that do not match my personal information Despite these discrepancies, I was previously instructed to use this documentation to recover my funds, which caused confusion and contributed to delays. At this stage, the company has : not provided any update on the ongoing investigation not explained how incorrect documentation was provided not provided verifiable evidence supporting prior claims not provided accurate documentation related to my actual transaction While the company continues to state that an Office of Foreign Assets Control license is required, this does not address the incorrect guidance and documentation provided directly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
I initiated XXXX transfers from my business account to my personal account to purchase XXXX properties, in the amounts of {$120000.00} USD and {$40000.00} USD. These transfers were sent from the business account of XXXX XXXX XXXX, XXXX.my companywhich holds an account with Relay Bank. As shown in the photos I have attached to this complaint, these transfers were deducted from my balance ; however, they never reached the destination account. Relay Financial never provided me with the XXXX reference number for either transfer, and they are now using an " internal review '' as a pretext to stall. They requested documentation from me 12 days ago, which I submitted ; yet, they still refuse to grant me access to my funds. I wish to report that Relay Financial has numerous negative reviews online, as they are known to engage in this type of fraudulent behavior : they block users ' business accounts and then toy with other people 's money.

Company response to consumer: Closed with explanation