vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 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: ClarityPay, Inc.
State: TX

Complaint narrative:
I am filing this formal complaint against ClarityPay for severe Truth in Lending Act ( TILA ) violations, deceptive lending practices, and unauthorized principal inflation in connection with a puppy purchase financing agreement. On my sales agreement with the merchant, Puppy Dreams ( which holds an " F '' rating with the XXXX XXXX XXXX for predatory financing traps ), the explicit purchase price of the puppy was listed as {$2400.00}. I was verbally quoted a standard interest rate.However, when ClarityPay generated the final Truth in Lending disclosure, they inflated the " Amount Financed '' to {$4800.00}. They completely failed to provide any " Itemization of Amount Financed '' or disclose what this extra {$2400.00} in fees consists of.Furthermore, they are billing me {$210.00} per month for 35 months, which creates a " Total of Payments '' of {$7500.00}. While the contract lists a disclosed APR of 31.49 %, running the actual math on a {$2400.00} purchase price over this term reveals a true, hidden APR of approximately 98 % .By hiding massive junk fees inside the principal balance and fabricating the disclosed APR , the lender has violated federal disclosure laws. I formally emailed a billing dispute to ClarityPay demanding a manual underwriting audit and a freeze on late fees, and I have also filed active complaints with the Texas Office of Consumer Credit Commissioner ( OCCC ) and the Texas Attorney General. Because this entire loan is built on fraudulent math, hidden fees, and severe TILA violations, I refuse to pay triple-digit predatory interest on a falsified balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I am asking for a manual, compassionate goodwill review of the negative credit reporting identified in this package. I am not submitting this as a settlement demand or as an attempt to avoid responsibility. I am asking the company to look at the human circumstances, the attached documentation, and my good-faith effort to stabilize after a period of repeated job loss, medical crisis, and identity-theft disruption. Account ( s ) covered : XXXX ; possible historical XXXX entries Bureau coverage XXXX XXXX XXXX XXXX ( XXXX supplement ) ; not shown as current XXXX negative Requested goodwill action : remove all XX/XX/year> XXXX payment information and any related derogatory comments; confirm all bureau corrections. XXXX shows 30 days past due ; XXXX shows history requiring manual review. XXXX supplement shows the XXXX account and bureau mismatch requiring goodwill correction across any bureau to which 1st Franklin furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: AZ

Complaint narrative:
Hey well I been a costumer for this cash app service since XXXX but recently in the 4 months my card got suspended for not having a residential address and I been back in forth with them for the past 4 months trying get a card order and I been getting money and having to spend on my link accounts but recently had past the green status without registering the amounts because my card is suspended

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I am asking for a manual, compassionate goodwill review of the negative credit reporting identified in this package. I am not submitting this as a settlement demand or as an attempt to avoid responsibility. I am asking the company to look at the human circumstances, the attached documentation, and my good-faith effort to stabilize after a period of repeated job loss, medical crisis, and identity-theft disruption. Account ( s ) covered : XXXX masked ; XXXX related aliases Bureau coverage : XXXX and XXXX negative supplement ; XXXX latest shows mismatch/no update Requested goodwill action : remove the reported 30-day negative event and any stale adverse remarks for XXXX XXXX accounts. XXXX supplement shows XXXX negative account with 30-day delinquent information. XXXX latest account page for XXXX presents as exceptional, which reinforces a cross-file mismatch that should be cleaned up by goodwill correction.

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 2026-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I sent diversified adjustment a debt validation through certified mail, because they sent me a letter in XXXX stating that I have 30 days before to mail in a letter saying that the debt isnt mine so that it doesnt go on my credit report so I sent a certified mail and then in XXXX it started to report on my credit report I also emailed them 2 times stating my rights because I never gave them my information since they are a 3rd party debt collector to remove it from my credit report and telling them that I also sent in a certified mail and they arent replying or calling XXXX they were before

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
I purchased {$25.00} of gas at XXXX at XXXX XXXX on XX/XX/year> at the pump. I went into the store lobby to purchase cigarettes but they didn't sell the product. I returned to my vehicle and left. I later entered a convenience store to purchase items when I noticed I no longer had my debit card. I initially thought it slipped out of my pocket in the car. I transferred money from my checking account to my XXXX XXXX ACCOUNT to cover cost of purchase. I left the store, searched the car but didn't find the card. I proceeded to my destination. I checked my CHIME ACCOUNT balance and noticed three additional charges on my account from XXXX. I froze the account. Called XXXX without success. I used the app to notify Chime regarding dispute of the 3 charges. Several days later CHIME declined my dispute of {$240.00}. I called CHIME and requested information leading to thier decision. I the filed a police report and obtained the name of the manager at XXXX, and confirmed they have video for XX/XX/year>. I left my contact information. I've not heard from police or XXXX as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I am asking for a manual, compassionate goodwill review of the negative credit reporting identified in this package. I am not submitting this as a settlement demand or as an attempt to avoid responsibility. I am asking the company to look at the human circumstances, the attached documentation, and my good-faith effort to stabilize after a period of repeated job loss, medical crisis, and identity-theft disruption. Account ( XXXX ) covered : XXXX / XXXX Bureau coverage : XXXX XXXX XXXX XXXX Requested goodwill action : remove the 30-day adverse event and all dispute-resolved / customer-disagrees remarks. XXXX shows 1 late payment. XXXX supplement shows CB Indigo name variations, account ending XXXX, and dispute-resolved comments across bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: GA

Complaint narrative:
I am asking for a manual, compassionate goodwill review of the negative credit reporting identified in this package. I am not submitting this as a settlement demand or as an attempt to avoid responsibility. I am asking the company to look at the human circumstances, the attached documentation, and my good-faith effort to stabilize after a period of repeated job loss, medical crisis, and identity-theft disruption. Account ( s ) covered : XXXX XXXX student-loan accounts ; XXXX suffixes XXXX Bureau coverage : XXXX and XXXX Requested goodwill action : remove all XX/XX/2025 60-day delinquencies and adverse student-loan remarks across all six MOHELA/XXXX accounts. XXXX shows six MOHELA/XXXX accounts, each with 1 late payment and a 60-day XX/XX/2025 delinquency. XXXX supplement identifies six corresponding MOHELA XXXX joint accounts and confirms bureau mismatch ; the package asks for goodwill review and clean transfer-chain handling .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I am asking for a manual, compassionate goodwill review of the negative credit reporting identified in this package. I am not submitting this as a settlement demand or as an attempt to avoid responsibility. I am asking the company to look at the human circumstances, the attached documentation, and my good-faith effort to stabilize after a period of repeated job loss, medical crisis, and identity-theft disruption. Account ( s ) covered : XXXX ; XXXX ; XXXX XXXX XXXX and masked second loan Bureau coverage : XXXX, XXXX, and XXXX Requested goodwill action : reconsider hardship relief and remove all 30/60-day adverse reporting on both loans ; delete adverse remarks if needed for clean reporting. XXXX shows XXXX with 4 late payments, {$1200.00} past due, and XXXX with 1 late payment. XXXX shows SoFi/Sof Bank account-name variation and dispute-resolved comments across bureaus. SoFi adverse-action letter dated XX/XX/year> denied short-term and long-term hardship ; this package asks for manual reconsideration because the denial itself confirms financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I. Background I requested a transaction history from XXXX XXXX, which previously served alone, and received it via email on XX/XX/XXXX. Reviewing this transaction history, it seems wrong. A copy of the transaction history as attached. Even the initial balance of the loan, as seen on the transaction history, is incorrect : on XX/XX/XXXX, the earliest date visible on the history, the balance of the loan is shown as {$280000.00}. However, the original loan balance when I received this Loan from XXXX in XX/XX/XXXX was {$170000.00}. The amounts shown on the transaction history in the years that followed are also wrong, as seen when compared to the amount, and most of the loan modifications I received throughout the life of the Loan. Date Loan Balance on Modifications Amount Shown on XXXX Transaction History XX/XX/XXXX {$170000.00} XX/XX/XXXX - {$280000.00} XX/XX/XXXX {$170000.00} XX/XX/XXXX - {$270000.00} XX/XX/XXXX {$180000.00} XX/XX/XXXX - {$270000.00} XX/XX/XXXX {$200000.00} XX/XX/XXXX - {$260000.00} XX/XX/XXXX {$220000.00} XX/XX/XXXX - {$250000.00} XX/XX/XXXX {$240000.00} XX/XX/XXXX - {$210000.00} XXXX. Servicing Errors Furthermore, Selene and the previous servicers ' failure to provide correct information regarding my loan, as shown in the table above, is a clear violation of 12 CFR, 1024. 25. ( b ) ( 6 ) And 12 CFR, 1024.35 ( b ) ( 11 ). III Propose Solution and Requested Information I respectfully request that Selene answer, and/or provide the following documents and 1. State when Selene commence service in the loan. 2. Provide a copy of the welcome letter from Selene when it commence Service in the loan. 3. Provide the transaction history for the loan from origination to the present. 4. Provide an escrow history for the loan since Selene commence serve the loan to the present 5. Provide the mortgage service in notes from Selene for the loan for the past 18 months. This letter is both a Qualified Written Request ( QWR ) Under section 6 of Rep and a notice of error under 12 CFR, 1024.35 ( b ) ( 2 ). XXXX Mortgage servicing has failed to comply with these regulations, which forms the basis of my request for immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit
State: GA

Complaint narrative:
I am asking for a manual, compassionate goodwill review of the negative credit reporting identified in this package. I am not submitting this as a settlement demand or as an attempt to avoid responsibility. I am asking the company to look at the human circumstances, the attached documentation, and my good-faith effort to stabilize after a period of repeated job loss, medical crisis, and identity-theft disruption. Account ( s ) covered : XXXX / XXXX ; XXXX / XXXX Bureau coverage : XXXX, XXXX, and XXXX Requested goodwill action : remove all 30-day late events on both VW accounts , including the closed vehicle account. XXXX shows one open VW account with 4 late payments and a closed VW account with 1 late payment. XXXX shows two VW tradelines with differing bureau fields and account identifiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I was called by a sheriff stating my son 's father was XXXX and I needed to pay XXXX for him to be released. I paid {$590.00} via chime which was all I had available in there. When I started questioning things the man got upset so I drove to my local sheriff 's department to make sure this was real or a scam. I was told it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding a collection account being reported by CBE Group Inc ( account ending XXXX XXXX XXXX XXXX XXXX ). I previously disputed this account and requested full validation, but the company has not provided proper documentation proving legal ownership or full verification of the debt. I am requesting full validation including contract, payment history, and chain of ownership. If the debt can not be properly verified, I request immediate deletion from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally lodge a critical regulatory and ethical complaint against Chase Bank and mortgage loan officer XXXX XXXX ( XXXX ID : XXXX ). As a loyal Chase Banker for the past 11 years, I am deeply appalled by the deceptive practices and direct violations of federal lending laws I have experienced over the last week. Below is a detailed summary of the violations. 1. Deceptive " Bait-and-Switch '' Rate Match I initiated the mortgage process with XXXX XXXX and provided a competitive mortgage estimate from a Credit Union outlining a 5.5 % interest rate. XXXX XXXX explicitly promised me verbally on multiple occasions that Chase would match this 5.5 % rate. Relying entirely on these assurances, I submitted my highly sensitive financial documents to advance the application. Once Chase had my documents, XXXX XXXX changed the terms, presenting a rate of 5.875 % and claiming the 5.5 % rate could only be achieved if we applied my existing " relationship discount. '' This deceptive tactic was clearly used to harvest my personal data under false pretenses. 2. Violation of Federal TRID Regulations ( Illegal Upfront Fees ) More than three business days have passed since my application was completed, and I have still not received a formal Loan Estimate ( LE ). Instead of providing the legally mandated disclosure, XXXX XXXX explicitly stated via email that I am required to pay a {$650.00} " good faith fee '' before he can issue the Loan Estimate. Under the TILA-RESPA Integrated Disclosure ( TRID ) rule, it is a direct violation of federal law for a lender to require or collect any fee ( except for a bona fide credit report fee ) before a consumer has received a Loan Estimate and expressed an intent to proceed. 3. Complete Lack of Response When I confronted XXXX XXXX with these federal guidelines, he immediately ceased all communication. Rather than routing me to a supervisor or correcting his error, he has completely ghosted an 11-year customer, jeopardizing my property purchase timeline. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
I had a guy call me saying he was from chime financial, so there was a security breach, and they basically told me I needed to make a new account because my account was hacked and that I already was having a {$400.00} charge for fraud and then they made me pull my money out of my account, had me click a link to confirm I wanted to change my account and then they wiped out all my money, the lady it was sent to I guess is the manager. have the phone number and we have called it and they know they are scamming people, I currently bank through chimes Stride bank, and I put in a dispute and it was denied! I have also reported this instance to the police as well and they are involved From the looks of their account they could be from Georgia. Phone number is XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am a member of Navy Federal Credit Union and am filing a formal complaint regarding a gross failure to investigate an organized criminal fraud case. I am a victim of an active 'Malvertising and Phantom Refund ' scam. On XX/XX/year>, I was defrauded of {$3900.00} by a XXXX XXXX XXXX operating under the name XXXX XXXXXXXX XXXX XXXX that spoofed a XXXX search ad using XXXX branding. I dialed the number in good faith. The criminals used sophisticated social engineering to steal my driver 's license, credit card data, and executed an unauthorized debit of {$3900.00} while emailing me a fake refund confirmation for {$6300.00} on the exact same day. Seven days later, they sent a secondary fake refund confirmation fo {$3900.00} to stall me. I reached out to Navy Federal 's Fraud Department immediately following the transaction in XXXX, and multiple other times in XXXX to provide my law enforcement data, culminating in their final rejection on XX/XX/year>. Navy Federal summarily closed this case, stating 'the merchant did not violate contract terms. ' There are no contract terms ; this is a case of Criminal Impersonation and Fraudulent Inducement. No contract can be formed via criminal deception. Navy Federal is in direct violation of Regulation Z by holding a consumer liable for an unauthorized transaction obtained via fraud. I have provided Navy Federal with an FBI IC3 report, FTC identity theft reports, and local police contact information, all of which they have ignored.

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 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On two separate occasions money, via XXXX was sent to me by an unknown person/company. IMMEDIATELY contacted bank for suspicious activity and have funds removed from my account. Both times i was suspended from using XXXX. The first time they lifted the suspension after funding I've done nothing wrong. Five months later it happens again, from the same person and i was again suspended from XXXX. This time they are unwilling to lift suspension. I have done nothing wrong. I can block this person and the bank said they can't block this person. TD says XXXX has to lift suspension and XXXX says no its TD that has to. I need this rectified please.

Company response to consumer: Closed with explanation