vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX ( XXXX, continuous XXXX XXXX since XX/XX/XXXX ). I am submitting this complaint regarding MOHELA 's denial of my Servicemembers Civil Relief Act ( SCRA ) interest rate cap request on a private student loan originated by XXXX XXXX on XX/XX/XXXX prior to my entry into XXXX XXXX service ( Loan ID : XXXX, MOHELA Case # XXXX ). The loan was created solely to fund my education at XXXX University. Although the loan is in the name of my mother ( XXXX XXXX ) with my sister ( XXXX XXXX ) as co-signer due to underwriting requirements at the time, I am the sole student and direct beneficiary for whom the loan was created. MOHELA 's own internal loan records identify me by name as the " XXXX '' associated with this account. On XX/XX/XXXX, MOHELA denied my SCRA request, stating that I have " no association '' with the loan. This directly contradicts their own records identifying me as the student tied to the obligation. This creates a direct inconsistency between MOHELA 's account records and its stated basis for denial. The denial applies a four-category eligibility framework ( borrower, co-signer, co-maker, endorser ) that does not appear in 50 U.S.C. 3937. The statute caps interest on obligations " incurred by a servicemember '' and does not explicitly limit protection to named signatories. MOHELA 's decision does not address whether a loan originated solely for a servicemember 's education constitutes an obligation incurred by that servicemember. This loan was originated by XXXX XXXX in XXXX, within the period covered by the XXXX XXXX {$97.00} XXXX settlement addressing unlawful limitations on SCRA protections XXXX The denial here appears to apply a similar type of restriction by limiting eligibility to specific signer categories not found in the statute. The loan has been serviced at approximately 10.75 % variable interest throughout my XXXX XXXX period. The 6 % SCRA cap has never been applied. Based on payment history, an estimated {$13000.00} {$15000.00} in excess interest has been charged since XX/XX/XXXX. I am requesting that MOHELA : 1. Reevaluate my eligibility under the correct statutory standard in 50 U.S.C. 3937 2. Provide a clear written explanation of how the term " incurred by a servicemember '' was interpreted and applied to this account 's specific facts Authorized representative : XXXX XXXX ( co-signer, sister ) is authorized to communicate with CFPB and MOHELA on my behalf regarding this matter. Contact : ( XXXX ) XXXX | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing a complaint regarding improper debtcollection and litigation practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LVNV Funding LLC, and XXXX XXXX XXXX XXXX. These companies obtained and attempted to enforce a judgment against me without proper service, without providing required documentation, and through filings that contained inaccurate or misleading information. Their actions have caused financial harm, emotional distress, and significant time spent correcting their misconduct. Details of the Problem : LVNV Funding, through its law firms XXXX XXXX XXXX and XXXX XXXX XXXX, pursued a debtcollection lawsuit against me in XXXX XXXX without ever properly serving me. I never received notice of the lawsuit, summons, or complaint. A default judgment was entered without my knowledge or opportunity to defend myself. Despite repeated requests, none of the parties have provided validation of the alleged debt, documentation supporting their claims, or proof that service was properly completed. Instead, they continued to enforce the judgment and pursue collection activity based on filings that appear to contain inaccurate, incomplete, or misleading information. Their conduct includes : Obtaining a judgment without proper service Filing affidavits or certifications that do not appear to be accurate Attempting to collect a debt without providing required validation Using the court system in a way that misled me and deprived me of due process Continuing collection efforts despite the lack of documentation This behavior matches patterns previously identified by regulators involving massproduced lawsuits, inadequate attorney review, and improper default judgments. Impact on Me : Because of their actions, I have suffered : Emotional distress and anxiety Time lost attempting to correct the improper judgment Financial harm related to the judgment and collection activity Damage to my credit and financial standing The need to file a federal lawsuit to protect my rights What I Am Requesting : I am requesting that the CFPB : Investigate the conduct of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LVNV Funding LLC, and XXXX XXXX XXXX XXXX. Require them to provide full documentation of the alleged debt, including chain of title and validation. Require them to explain how service was allegedly completed and why I was never notified. Review whether their litigation and collection practices comply with federal law. Ensure that any inaccurate information is corrected and that improper collection activity stops. I have also filed a federal lawsuit regarding this matter because of the seriousness of the misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
I never received a notification for the increase of taxes so the escrow was short I have my payment sent to be paid every month on the XXXX. Every year XXXX I paid the shortage in full. So my XXXX and XXXX payments were held and not put tward the mortgage. After several calls I got straightened out in XXXX. They removed XXXX late fee but not the other I called the XXXX to get my credit report fixed I had excellent for years now its XXXX the XXXX said it was my fault it the mortgage money was covered the shortage taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, I sold a XXXX XXXX lot for {$6500.00} through PayPal Goods and Services based on my third party portfolio list. I shipped the complete lot in my list via XXXX with tracking confirmation of delivery to the buyer 's confirmed address. After confirmed delivery and written acknowledgement of receipt, the buyer mentions missing cards that were based on his outdated list, which was slightly different than mine. The buyer filed a PayPal dispute for {$570.00} on XX/XX/XXXX. I submitted all documentations of my itemized list, pictures of the shipment packed and delivered to PayPal. Only 21 days later on XX/XX/XXXX, before PayPal 's review process concluded, the buyer bypassed PayPal entirely and filed a {$1400.00} bank chargeback claiming missing items. PayPal was required to comply with the bank 's decision, permanently reversing {$1400.00} from my account, restricting my incoming funds, creating a negative account balance, and threatening third party collections. I paid a {$190.00} PayPal 's Goods and Service fee that was supposed to have Seller Protection, but it was rendered completely worthless by the buyer 's deliberate bypass of PayPal 's dispute system. A New Jersey XXXX ruled on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX after reviewing completed evidence including XXXX delivery confirmation , full transaction chat history, my confirmed inventory list, and documented evidence of the buyer commercially selling my merchandise on XXXX XXXX XXXX XXXX throughout the dispute. The court found that there were no mutually confirmed list, or final itemized list, so there was ambiguity in the contract. The court found the buyer 's only legitimate claim was {$570.00} for missing cards. He had charged back {$1400.00}, which is nearly triple his only court validated damages. The final ruling awarded the plaintiff a net {$220.00}. This means {$1100.00} of the buyer 's chargeback had no legitimate basis as confirmed by a court of law. The buyer has retained all merchandise and continues profiting commercially from goods he has not fully paid for, while I face a {$1400.00} negative PayPal balance for goods I fully delivered. PayPal 's Seller Protection specifically promises to protect sellers against exactly this type of situation. I paid {$190.00} for that protection, fully complied with all PayPal requirements including shipping to the confirmed address with verified delivery, and PayPal 's protection completely failed me. A court has now confirmed I fully performed my obligations and that the chargeback was excessive by {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Hello, In XX/XX/year>, I moved out of XXXX XXXX Apartments located on XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I paid every single charges in Full but the above mentioned Apartments still reported that as a non payment to my credit report. I have tried numerous times calling the RENTRECOVERYSOLUTION, XXXX and Experian credit bureau and I have gone to the management of XXXX XXXX apartments many times but all of them ignored me. Please take action and stop these injustice against me. I have 3 kids and applying for an apartment but every they reject it because the the false amount XXXX XXXX XXXX XXXX appears on my credit report. I have proof of full payment to provide.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Had spoke with someone month ago explaining situation an debt will be paid on. An still recieve anywhere between 4 to 6 calls a day. Sometimes at work an when I try to answer they hang up. Work is busy an I cant stop an answer there calls 3 or 4 times a day an in the evening im not always available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
23.99 % interest rates on a XXXX XXXX XXXX XXXX, is outrageous hard to pay for insurance hard to pay for maintenance of said vehicle customer service rude when I let them know said vehicle was in a shop had to pay out of pocket to get said vehicle fixed multiple times out of pocket only have had said vehicle 2 years Gasket seal were bad since day one : {$700.00} Bad alternator : {$650.00} Oil coolant housing : {$700.00} Thermostat : {$300.00} Down payment : {$2500.00} Total sales price : {$38000.00} ( not worth it ) Finance charge : {$15000.00} Amount financed : {$20000.00} Total paymentsXXXX ( over priced ) Vehicle protection from credit acceptance : {$0.00} Insurance : $ XXXX Monthly payment : {$560.00} ( Over priced )

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 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am writing to formally dispute the validity of the aforementioned debt and your authority to report it to my credit file. Violation of 15 U.S.C. 1692g : Under the Fair Debt Collection Practices Act, I am exercising my right to request full validation of this debt. Please provide me with the following : 1 Proof that I have a legal obligation to pay you. 2 A copy of any judgment or original contract bearing my signature. 3 A complete statement of account illustrating the calculation of the alleged debt. Violation of 15 U.S.C. 1681b : Your agency has reported this information to the credit bureaus. However, because this debt is unverified and I have no business relationship with your firm, you lack a " permissible purpose '' under 15 U.S.C. 1681b to access or furnish data regarding my credit profile. Reporting unverified information constitutes a willful or negligent violation of the Fair Credit Reporting Act. Pursuant to 15 U.S.C. 1692g ( b ), you must cease all collection activityincluding the reporting of this item to credit bureausuntil you provide the requested validation. If you can not provide the documentation required by law, you must immediately delete this entry from all credit reporting agencies. I expect a response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: NC

Complaint narrative:
Validation and verification of their legal right to collect. Why is the debt being reported by multiple agencies Texting and emailing XXXX times per week which is a violation that should be resulting in penalties paid to me for abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
Between XX/XX/year> and XX/XX/year> they have called me 8 times from the phone number supplied. They have also called me off of various local numbers. The amount of calls has been large and cumbersome and I have been called outside normal hours and on weekends and I have requested to not be contacted on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
Issue : Unauthorized transactions/ Fraud claim denial Complaint for claim XXXX I am submitting a complaint against Navy Federal Credit Union regarding unauthorized transactions that were improperly denied. On XXXX XXXX, unauthorized transactions totaling $ [ XXXX one claim and the other XXXX ] were made from my account without my authorization. I reported the issue immediately and filed a fraud claim. Navy Federal denied my claim, stating the transactions were authorized. I strongly dispute this. I did not authorize these transactions, did not benefit from them, and did not provide access to my account. Under the Electronic Fund Transfer Act ( Regulation E ), I am not liable for unauthorized electronic transactions once reported. Navy Federal has failed to provide sufficient evidence showing that I authorized these transactions. I have provided all requested documentation, including [ police report, screenshots, correspondence ], and have fully cooperated. I am requesting : Full reimbursement of money for both claims {$8800.00} and {$900.00} A complete reinvestigation of my claim Written proof of how the transactions were determined to be authorized This situation has caused financial hardship, and I am requesting immediate resolution.

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 2026-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Complaint Description : I am filing this complaint to request a manual review of my eligibility for a {$350.00} XXXX welcome bonus. I have been a loyal American Express member since XXXX. I believe I have been unfairly disqualified due to a technicality regarding an internal transfer, which was further complicated by incorrect information provided by AmEx phone representatives. 1. Compliance with Deposit Requirements : According to the promotional terms ( Section 2 ), the requirement is to " have XXXX or more deposits totaling at least {$15000.00} '' within the first XXXX days. On XX/XX/XXXX, I made a single deposit of {$15000.00}, fully satisfying the deposit threshold. However, a phone representative incorrectly informed me that multiple deposits were not allowed and that only a " single, one-time deposit '' qualified, which directly contradicts the written terms. 2. Nature of the Funds Movement ( Internal Transfer ) : During the holding period, I briefly moved a portion of the funds to my American Express Checking account and moved them back to the Savings account shortly thereafter. At all times, these funds remained within the American Express ecosystem. My total commitment and assets under management ( XXXX ) with American Express never fell below the {$15000.00} threshold. 3. Ambiguity regarding the " Holding Period '' : The promotion set a deadline of XX/XX/XXXX to meet the requirements. I ensured that my balance was at {$15000.00} well before this deadline. As a consumer, I interpreted the " holding period '' based on the enrollment window. Disqualifying a long-term customer ( Member Since XXXX ) for an internal transfer between AmEx accountswhere no capital left the bankis an overly rigid and unreasonable application of the automated system 's rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation
State: UT

Complaint narrative:
" NATIONWIDE CAPITAL S '' SHOWS DEBT OF {$5000.00} ON CREDIT REPORT LAST REPORTED XX/XX/year>, & IT IS NOT MINE! THERE IS NO ACCOUNT # OR ANY OTHER VERIFYING INFORMATION SHOWING THIS IS MINE! I HAVE NO IDEA WHERE IT CAME FROM! I HAVE NEVER DONE BUSINESS WITH " NATIONWIDE CAPITAL S '' THEREFORE IT IS NOT MINE!

Company response to consumer: Untimely response
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America due to a severe service failure that has left me without access to my financial assets. On XX/XX/year>, at XXXX XXXX, I spoke with agent XXXX ( ID : XXXX ) to resolve an issue with my locked account. The agent demonstrated a complete lack of professional knowledge, was unable to answer basic questions, and provided a wrong hotline number for a callback. Because the provided information was incorrect, by the time the error was realized, business hours had ended. As a direct result of this agent 's negligence and misinformation, my mobile banking and debit card remain locked, and I have been deprived of access to my funds during a critical time.

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 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On XX/XX/year> I mailed a certified letter to Resurgent/LVNV Funding requesting validation and verification of this debt. The letter was received and signed for on XX/XX/XXXX. XXXX. It appears they may have attempted to respond, but sent mail to an old address. I provided my current address on the envelop provided and on the letter addressed to them. I had informed delivery at my old address. I received an email image of the envelop sent to that address. Unfortunately, I did not physically receive the mail. This company is actually handling XXXX collection accounts being reported on my credit file XXXX XXXX XXXX XXXX XXXX XXXX I XXXX the return address on the image of mail sent to my old address and is shows to be Resurgent/LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding my repeated and unsuccessful attempts to be removed as an authorized user from a CareCredit credit card account. I have contacted CareCredit multiple times over the past several months requesting removal. Approximately XXXX months ago, I was explicitly told by a representative that I had been removed from the account. However, I have since confirmed that I am still listed as an authorized user. This situation is unacceptable. I have made multiple good-faith efforts to resolve this directly with CareCredit, but the issue remains unresolved. Being listed on this account may negatively impact my credit, and I should not be associated with an account I have requested to be removed from multiple times. I am requesting the following : 1. Immediate removal of my name as an authorized user from the account 2. Written confirmation that the removal has been completed 3. Notification to all credit bureaus to update my credit report accordingly Please treat this matter as urgent. If this issue is not resolved promptly, I will pursue additional actions to protect my credit. Thank you for your immediate attention.

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 2026-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, my SoFi account was impacted by an unauthorized check transaction as a result of fraud. I was the victim of a scam and did not authorize the transaction. I immediately reported the issue to SoFi as soon as I became aware of it and fully cooperated with the fraud reporting process. The incident was reviewed and my account was subsequently closed in XXXX XXXX. At the time of closure, I was not clearly informed that I would be permanently ineligible for future SoFi banking services. In XXXX, I attempted to open a new SoFi account and was denied. When I contacted customer support, I was informed that I am currently not eligible for SoFi services. I understand SoFis responsibility to manage fraud and risk within its banking system. However, I am requesting a formal review of my case and account eligibility status, as I was the victim of fraud, reported the issue promptly, and did not engage in intentional misuse of the account. I am seeking clarification on whether the permanent restriction can be reconsidered given the circumstances of fraud victimization and my cooperation during the reporting process.

Company response to consumer: Closed with explanation