vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am submitting this complaint regarding U.S. Banks ExtendPay installment plan policy, which I believe is unfair, deceptive, and improperly disclosed. 

On XX/XX/year>, I made two purchases through XXXX using my U.S. Bank XXXX card ending in XXXX : Order XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Renewed ), total {$2700.00} Order XXXX XXXX  4-Year Television Protection Plan, total {$230.00} Both purchases were placed into separate XXXX  plans ( 12 equal monthly payments at 0 % APR ). At the time I contacted U.S. Bank, both transactions were still pending. 

U.S. Bank informed me that XXXX plans can not be canceled, even while transactions are pending, and that canceling or returning the products does NOT cancel the installment plans. Instead, any refund would be applied to my general card balance while the XXXX plans remain active and must still be fully paid. 

I find this practice unreasonable and harmful to consumers. A payment plan should not survive the cancellation or return of the underlying transaction, especially when the transaction has not yet posted. This behavior was not clearly or prominently disclosed at the time of enrollment. 

I am requesting that U.S. Bank review this policy and provide corrective action, including cancellation of the XXXX plans associated with these transactions without penalty, and a clear written explanation of their policy. 

I believe this practice violates principles of transparency and fair consumer treatment.

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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I received an email from SoFi I will copy here after describing the issue. They are going to start charging me {$10.00} dollars a month, which I never agreed to. If I do not want to be charged {$10.00} a month they will close my card. 

Hi XXXX, We want to let you know about an upcoming update to your SoFi Unlimited 2 % Credit Card terms. Starting XX/XX/year>, a $ XXXX monthly fee will be added to your credit card account. This will help us continue to provide the benefits, protection, and service that our members expect from SoFi. 
Please contact us at XXXX, by chat or by calling us at XXXX by XX/XX/year> if you would like to close your credit card account and avoid the $ XXXX monthly fee. 

Summary of Change The following is a summary of the change that is being made to your account terms. For more information, please refer to the Detailed Changes at the bottom of the email. 
You have the right to opt out of this change by XX/XX/year>. However, if you do opt out of this change, you will not be able to use your account for new transactions once your account is closed on XX/XX/year>. To opt out of the change, contact us at XXXX, by chat or by calling us at XXXX. 

Revised Terms, as of XXXX XXXX XXXX  Monthly Fee {$10.00} ( {$120.00} annually ) No action is required if you accept this changecontinued card use after XX/XX/year> will mean you agree to the monthly fee and the updated terms of your SoFi Credit Card Cardholder Agreement.

We appreciate your membership.

The SoFi Team Understanding the Updates If I opt out of the change, what happens to my credit card account? 
If you opt out of the change, you will not be able to use your account for new transactions once your account is closed on XX/XX/year>. You will continue to receive a monthly statement while a balance remains. Your outstanding balance will accrue interest according to your credit card terms and you will need to make at least the minimum payment due each month until the balance is paid in full. 
If I opt out of the change, will my entire SoFi profile/account be closed or just my credit card account? 
If you opt out of the change, only your SoFi Unlimited 2 % Credit Card account will be closed and you will not be charged the monthly fee. 
If I close my credit card account, can I still redeem my rewards points? 
If you close your credit card account and do not have an active eligible SoFi account through which rewards points can be redeemed, you must redeem your rewards within 90 days. After 90 days, you will forfeit your entire rewards points balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: NJ

Complaint narrative:
Cease and Desist Unauthorized Communications and Credit Reporting Account : XXXX Sallie Mae XXXX This letter constitutes formal written notice pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 
Creditor : SALLIE MAE BANK  XXXX XXXX. 
Credit Reporting Agency Impacted : XXXX XXXX XXXX  To Whom It May Concern, This letter constitutes formal written notice pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 
I hereby demand that Sallie Mae Bank XXXX XXXX, including any agents, affiliates, servicers, data furnishers, or third parties acting on your behalf, immediately cease and desist from all further communication with me, except as expressly permitted by federal law. 
This demand applies to all forms of direct and indirect collection activity, including but not limited to : Telephone calls ( live, automated, or prerecorded ) Emails or electronic communications Written correspondence Communications with third parties Any continued furnishing, re-furnishing, updating, verification, or reinsertion of information to consumer reporting agencies, including XXXX XXXX XXXX  The account subject to this notice is : SALLIE MAE BANK XXXX XXXX Account No. XXXX Under 15 U.S.C. 1692c ( c ), once a consumer provides written notice demanding cessation of communication, a debt collector may communicate only to : Advise that collection efforts are being terminated ; or Notify the consumer of specific, lawful actions being taken.

Any continued communication, including credit reporting activity that operates as indirect collection pressure, after receipt of this notice may constitute knowing and willful non-compliance with the FDCPA. 
Please be advised that any further furnishing, updating, verification, or reinsertion of this account to XXXX  after receipt of this notice will be documented and may result in complaints and/or legal action, including filings with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the State Attorney General Appropriate federal or state courts Nothing in this correspondence shall be construed as an acknowledgment of liability, validation of any debt, or a waiver of any rights, remedies, or defenses. All rights are expressly reserved. 
Please govern yourselves accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 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:
Bank of America denied my fraud claim XXXX XXXXXXXX for {$2700.00}, claiming it was authorized. This is incorrect. I did not authorize this transaction and the bank has not provided the evidence I requested under XXXX XXXX I am a victim of fraud and the bank is refusing to investigate properly.

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 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am the confirmed XXXX in XXXX for my XXXX mother, XXXX XXXX XXXX. I have been attempting in good faith to assume the XXXX loan as protected under the federal XXXX XXXX XXXX XXXX I submitted all requested income documentation ( pay stubs ) to M & T Bank on XX/XX/XXXX. 
Today, I called to follow up. Instead of a professional status update, the M & T representative was grossly abusive. During the XXXX call, she explicitly stated : " You don't get special privileges because your mother passed away. '' > LEGAL VIOLATIONS : Maryland Consumer Debt Collection Act ( XXXX ) XXXX ( XXXX ) : The representative used " grossly abusive language '' while attempting to collect or discuss a debt. Under MD Code 14-203, M & T is liable for damages for the emotional distress and mental anguish caused by this misconduct. 
Successor in Interest Rights : The bank is refusing to recognize my rights to assume the loan, instead using high-pressure tactics to force a " refinance '' and verbally denying my application without providing the legally required written Adverse Action Notice ( ECOA ). 
IMPACT : This representative 's mocking of my mother 's death has caused me severe emotional distress. I am demanding that M & T Bank preserve the recording of this XXXXXXXX XXXX call for federal and state investigators.

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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America force closed amount checking account on XX/XX/XXXX. The IRS sent my XXXX  refund check from XXXX  to this account on XX/XX/XXXX. I was told once the deposit came in, it would be returned. However, Bank of America claims they never received the deposit. 
On XX/XX/XXXX, I contacted the IRS and they indicate that the funds were indeed deposited on the XXXX. They will be required to put a trace on this if the funds are not located. I went to the BOA branch in XXXX NC and they said the funds never came in. I dont believe XXXX. The IRS said a trace could take XXXX  days. I dont feel I should have to wait that long for funds that I have waited for over a year for.

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 2026-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I have spoken to the XXXX ( XXXX ) XXXX  times regarding a tax payment that appeared to have issues. 

The first XXXX calls, the company told me that they had wired the tax payment to the municipality. I checked with the municipality, and they notified me that no payments had been received. The XXXX  call they ( the mortgage company ) told me that they send the money to a XXXX  XXXX  which then issues a physical check ; the mortgage company said that the check would arrive before the delinquency deadline. On the delinquency deadline, I contacted the town who informed me that the payment was not made. 

I then checked my escrow account XXXX the company and noticed that they had quietly placed the money back into my escrow account. I contacted the company immediately and was told that this issue would be prioritized ; they told me the would call me back on Friday XX/XX/year> to resolve the issue. As of Friday XX/XX/XXXX, they called me... only to tell me that they have no information. 

I am now shown as personally delinquent. I plan to pay this personally on monday, even though I have paid into my escrow every month and it is my money, in order to avoid potential repurcussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened a capital one credit card to aid in travel And for the point bonus of XXXX. I saw XXXX days ago a banner that said my account was closed. I didnt close the account and it was in good standing it had a balance yes but in good standing. I had XXXX payment bounce back for XXXX XXXX day prior but then I turned around and paid {$1100.00}. The error was on my bank that I was pulling from. I have a had a XXXX  credit card and similar situation occurred but they didnt cancel my account. I was up to XXXX points earned which is roughly {$900.00} in travel credits or to go forwards my balance. My XXXX XXXX has stayed the same and everything. No one could give me an answer. Kept telling me the same thing over and over. I get my account is closed I dont care about that anymore even though its ridiculous!! its the points that I earned that I want back or credited to my account. Honestly if it were for the points perk I would have never got this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/year>, my bank account was frozen/restricted, preventing access to the deposited funds totaling {$1000.00}. I have been unable to withdraw, transfer, or use any of these funds since that date.

I contacted customer support multiple times ( via phone ) to inquire about the reason for the freeze, the status of any review/investigation, and when access would be restored. Each time, support informed me that the account is under review, there is no estimated date or timeline for a decision, and that the bank intends to close the account. They stated they would mail a check for the remaining balance upon closure but have repeatedly refused to provide any specific date, timeframe, or next steps for when this would occur.

Despite my repeated requests for more information, including a clear explanation of the hold, any required actions on my part, or an approximate resolution date, the bank has provided no updates, no resolution timeline, and no access to my funds. This has caused significant hardship, as I am unable to use my own deposited money for essential needs.

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 2026-01-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Disputed accounts must be investigated and deleted within the time limits required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

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 falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 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: Duvera Billing Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I financed {$630.00} of a XXXX XXXX service under a XXXX same as cash, no interest, no fees promotion after paying {$300.00} in cash at the point of service. The financing was presented as part of the service transaction, and it was not clearly disclosed that EasyPay was a third-party lender. 

The first automatic payment of {$60.00} was drafted on XX/XX/XXXX. When I accessed XXXX online system, I discovered there was no transparent accounting ledger showing the original financed balance, how payments were applied, or an accurate remaining balance. 

Due to this lack of transparency, I attempted to pay the balance in full. XXXX XXXX would not allow a single payoff payment and instead processed XXXX payments : {$530.00} on XX/XX/XXXX {$120.00} on XX/XX/XXXX Despite this payoff, EasyPay continued to charge my credit card without authorization : XX/XX/XXXX {$60.00} XX/XX/XXXX {$60.00} On XX/XX/XXXX, I contacted EasyPay customer service and was told the unauthorized charges would be reversed, the account corrected, and the balance reported as paid in full. This did not occur. 

When I checked again on XX/XX/XXXX, the account instead reflected a {$0.00} balance and a {$7.00} minimum payment due, with no explanation or supporting ledger. Customer service representatives could not explain the balance discrepancies, could not provide a complete payment history, and refused or were unable to provide supervisor escalation or reference numbers. 

I am unable to obtain a clear accounting of my loan, payments continued after payoff, unauthorized charges were made, and the account has not been properly closed or corrected. As a result of these unauthorized post-payoff charges, I have overpaid a total of {$190.00} above the original financed amount of {$630.00}. 

I am requesting regulatory assistance to require EasyPay to correct the account to a {$0.00} balance, refund all overpayments and unauthorized charges, close the account, and confirm it is reported as paid in full and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: IL

Complaint narrative:
My school closed down in XXXX. I was notified in XX/XX/XXXX that I was due an unpaid refund for my school closure. I uploaded the school closure and unpaid refund forms on the ed financial website in XXXX and XXXX of XXXX. I was notified after or during XXXX that my forms were approved until XXXX when I reached out to ed financial customer service. I was then notified that due to discrepancies within the company I did not receive my resolution because they havent resolved through issues from within the companys departments. It is now XX/XX/XXXX I have contacted Ed financial customer service on various attempts to get a resolution. Now they are trying to make it seem as though they do not have my paperwork after I previously confirmed in XXXX they had both forms. Also After I contacted them on various attempts to get a resolution. It has been well over XXXX to XXXX business days and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. XXXX - which requires the blocking and deletion of identify theft - related accounts XXXX U.S.C XXXX which prohibits reporting information to be inaccurate XXXX XXXX a - which requires removal of unverifiable information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 U.S Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: GA

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my TransUnion credit report. Kindly investigate and update the report as necessary. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation