vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On the day my credit card annual fee was charged I contacted the Capital one customer service and requested to cancel or downgrade my account to a no annual fee card. They downgraded me but then said that there was no way of knowing if the fee would be canceled. I asked repeatedly to see the documentation that would determine if I can have the fee removed or not and they said there was no such documentation and nobody who would be able to know if I could get the fee removed. I spoke with a manager who said the same thing. Basically they are making arbitrary decisions without providing a customer with the necessary documentation or agreement that shows I have agreed to this charge. I asked to submit a customer complaint and they said those are chosen at random and that they can not give me an opportunity to submit a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: INTERNAL CREDIT SYSTEMS, INC
State: OH

Complaint narrative:
I am disputing the legitimacy of this debt because I contacted XXXX XXXX directly to verify the account and they informed me that there is no trace of my membership or any outstanding balance in their system. They were unable to locate my account history and could not confirm that I owe any money at all. 
This raises serious concerns because Internal Credit Systems is attempting to collect nearly {$700.00} for an account that the original creditor can not even verify exists or provide a balance for. No documentation, contract, payment history, or itemized statement has ever been provided to me by the collector to prove that this debt is valid. 

I believe this debt is either inaccurate, improperly assigned, or unsupported by sufficient proof. I am requesting that Internal Credit Systems and XXXX XXXX be required to provide full validation of the alleged debt, including proof that the original creditor recognizes the account and balance they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: ID

Complaint narrative:
MOHELA has failed to provide a complete accounting of interest charged on my federal student loans from XXXX. I believe interest may have been improperly applied during periods when interest was legally set to 0 % under the CARES Act and/or waived under IDR interest subsidy rules. Despite requests, MOHELA has not provided a loan-level interest ledger. 


I am requesting a full written accounting of interest accruals, capitalization events, and payment application by loan, and correction/refund of any improperly charged interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: HOMESTEAD FUNDING CORPORATION
State: NY

Complaint narrative:
I obtained a VA purchase mortgage through Homestead Funding Corp. In advance of closing, I repeatedly requested written clarification regarding whether the VA loan could be recast after closing, as my financial plan depended on applying proceeds from the sale of my prior residence toward principal reduction to achieve an affordable monthly payment. Beginning XX/XX/year>, and multiple times thereafter, I asked in writing for a clear explanation of the recast process and eligibility. These requests were made while the transaction structure was still flexible. The loan officer did not provide a clear answer and instead discussed escrow waivers and down payment scenarios, without disclosing that VA loans are not eligible for recast. On XX/XX/year>, after I raised concerns about the quote XXXX XXXX  nature of the recast process in writing, the loan officer acknowledged that she had not read my email carefully and did not address the recast eligibility question. Despite this, the loan proceeded towards a clear to close. Written confirmation that VA loans can not be recast was not provided until XX/XX/year>, via text message, approximately 10 days before closing at that point the VA appraisal had been completed my prior home was under contract and reversing course would have jeopardized both transactions and created a risk of homelessness. I reasonably relied on the loan officer 's failure to correct my understanding earlier in the process. After closing the loan, servicer XXXX XXXX XXXX confirmed in writing that VA loans are not eligible for recast. As a result of this delayed and incomplete disclosure, I was locked into a loan structure that produced a materially higher monthly payment than the conventional alternative I would have chosen had accurate information been provided when requested. 

A detailed chronological packet of supporting emails, text messages, and financial impact analysis is attached for reference. 
I am able to supply all of the original emails and text messages and have retained them for my record

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Couch Lambert LLC
State: AR

Complaint narrative:
Received a letter from Couch Lambert about a lawsuit they filed. They are attempting to garnish wages that are solely SAA benefits which is illegal under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I opened a credit karma spend account a few years ago when credit karma introduced their spend and savings accounts. I only did it because i was in need of a tax advance. I used the account a small bit. So fast forward to the present day i am currently trying to get a tax refund advamce through turbo tax.the only way is to have an account.i called because i jept getting an error when applying again.i was told by a rep i chatted with that the account qas closed for inactivity in XXXX I was also told by another rep that the account was closed for $ XXXX that i could mail a check to mvb bank with the account number.but heres the thing. I was NEVER ABLE TO GET THE ACCOUNT NUMBER. AND WHEN I ASKED. which is apart of their policy when paying a negative balance. They DO NOT GIVE YOU YOUR ACCOUNT NUMBER NO WAY TO TALK TO A LIVE AGENT.IT JUST DOESNT MAKE SENSE. i just wanted to reopen am account and get my tax refund deposited there. It was LITERALLY CLOSED FOR LESS THAN $ XXXX i was told that i couldnt be eligible for another account but thats the only way to be able to get a refind advance when you file your taxes through turbo tax. .EXTREMELY INCONVENIENT FOR ANYONE..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
Beyond Finance did not negotiate my debts down as the credit card debt I had was charged off. I repeatedly ask for the debts to be removed from the program, so they could not charge me any fees. About a week later on XX/XX/year>, I received a notification that they had received an offer letter to settle my debt with two of the creditors I asked to be removed. They did this to say that they did work or negotiated on the account and to charge me for doing so. 
I again called to have the accounts removed and customer service said they could not be removed. They again told me a specialized team would have to do it. I spoke with through a rep via chat and again would not remove the accounts. The specialized team puts pressure on you to keep the count open and threatens with fees. I requested the accounts be removed before work was completed and have no interest in staying in the program because the accounts are charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
I have an active Cash App account, but Cash App refuses to provide my routing and account numbers unless I obtain a Cash App Card. Cash App repeatedly denies my Cash App Card request and refuses to explain the reason or provide an alternative method to access my account information.

The Cash App system requires card approval before allowing access to routing and account numbers or direct deposit setup. Because my card request is denied, I am blocked from accessing my account numbers and can not use direct deposit or free ACH withdrawals. 

As a result, I am forced to use XXXX XXXX XXXX in order to access my own funds, which charges a fee each time. These fees have affected regular withdrawals as well as tax refund funds that I would otherwise receive via direct deposit. 

I have contacted Cash App support multiple times over several years requesting access to my account numbers, an explanation for the card denial, or an alternative method to access my account. Cash App support has repeatedly stated that the card was not approved, that they can not provide further information, and has closed complaints without resolving the account access issue. 

Cash Apps platform design creates a forced loop where I can not access basic banking information and am required to pay fees to access my own money due solely to Cash Apps restrictions. I am requesting that Cash App be required to provide my routing and account numbers, restore no-fee access to funds, and address the forced-fee structure caused by blocking account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC
State: FL

Complaint narrative:
i can never get a human on the line. Even my attorney can never find a human. 
i had filed bankruptcy but the mortgage was not part of it. my attorney and i have been trying to get a human on the phone because the website is limited due to the bankruptcy, but because we can't find a human we can unrestricted the website. 
i can't get my tax documents or nothing. i also got charge an additional {$320.00} for an attorney fee for Selene attorney that they didn't notify anyone. and i don't know why that charge is there. 
i have not been late on any payments and the house is not part of the bankruptcy. i need a human to contact me as soon as possible. please contact me or my attorney but we need a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made an online payment of XXXX for a land survey from a private database and charged the payment to my Bank of America account ending in XXXX. Note : Account is in very good standing, credit score is excellent and have nearly XXXX balance. A week later I receive a message ( on XXXX XXXX ) that the payment was declined by security and wanted to know if I made the payment. I responded yes, I had made the payment Today, XXXX XXXX, I received a text message that a payment of XXXX was declined again. Obviously, the people that I made the original payment to, tried to obtain their funds which was not paid by Bank of America the first time. Now it is declined again. I tried calling Bank of America and was put on indefinite hold, small wonder. If they treat all their customers like this, there phones will never stop ringing. Bank of America 's security will put them out of the credit card business if this keeps up. They have already spent more trying to save a dollar on just this one item than they would save if it were a loss and beyond that, how about all the good will!

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 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX, I received a Notice of Right to Cure Default stating a cure amount of {$1500.00} with a deadline of XX/XX/XXXX. On XX/XX/XXXX, I contacted the company to exercise my right to cure and discuss payment options. During that call, I was informed for the first time that my account had been accelerated as of that same day and that the full balance was {$6500.00}. 
During the same recorded call, the company offered a 12-month payment plan with monthly payments of approximately {$540.00}. I specifically asked whether interest and fees would be frozen during the plan, and the representative stated that all interest and fees would be stopped. 
After the call, I received a written payment plan agreement. However, the written agreement does not clearly state that interest and fees are frozen, does not clearly state that the balance is fixed, and states that the account will remain called due until paid in full. This conflicts with the verbal representations made during the call and creates confusion about the true balance and payoff terms. 
I am seeking clear written confirmation of the total balance owed, whether interest and fees are frozen during the payment plan, and that completion of the plan will satisfy the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: AZ

Complaint narrative:
I am submitting this complaint regarding identity theft and inaccurate credit reporting by Credit Collection Services , Inc .

After reviewing my consumer credit reports, I discovered a collection account reported by Credit Collection Services that I did not apply for, authorize, incur, or benefit from. I did not enter into any agreement with this company, nor did I authorize Credit Collection Services to collect or report any debt in my name.

Despite the account being unauthorized and fraudulent, Credit Collection Services reported the account as a derogatory collection tradeline, including an outstanding past-due balance, to consumer reporting agencies. This inaccurate reporting has caused significant harm to my credit profile, including reduced credit scores, adverse credit decisions, and financial distress.

Upon discovery, I disputed the account and submitted sworn affidavits of fact and truth asserting identity theft. I formally notified Credit Collection Services and invoked my rights under the Fair Credit Reporting Act ( FCRA ), including : FCRA 609 ( a ) ( 1 ) Request for the source and method of verification FCRA 605B Demand for blocking and deletion of information resulting from identity theft Credit Collection Services failed to provide competent evidence demonstrating that I authorized or owed the alleged debt and has continued to furnish inaccurate and fraudulent information to consumer reporting agencies after receiving notice of identity theft.

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 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I received an email on XX/XX/year> stating that my loans pertaining to XXXX XXXX XXXX were being discharged as part of a Department action ( " Group Discharge '' ). That was almost 4 years ago. I have seen some movement on some loans on my Aidvantage account page, but I have not received any correspondence of any action taking place. My loans are continuing to accrue interest daily. I am just looking for some kind of timeline that this discharge will be complete and hopefully see a refund on the payments I've made towards them. Every time I talk to Aidvantage or Studentaid.gov I am given a generic response saying to talk to the other entity and I get no personalized response on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I saw that my credit score dropped and upon investigating I saw a collections account from LOCKHART, MORRIS & MONTGOMERY on my report. This was in the later part of XXXX. It was stating I had a debt for {$1100.00}. I have not received a bill for such amount from anyone and have no idea what this is. I disputed the claim 3 times and asked for information proving this debt was mine and from whom. They never responded and kept updating the credit report as being accurate. In the notes it said I had to provide proof that it wasn't mine. How can I do that when it's not mine? I disputed online all three times. I have been provided no information. I got another email about my credit on XX/XX/XXXX and come to find out that this company sold this debt to XXXX XXXX XXXX and both are reporting the same debt on my credit report. This debt is not mine and noone will help me with this. Both collection agencies are reporting identical information and a drop off date of XXXX. This is absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I have a car loan with XXXX XXXX. My car payment amount monthly is XXXX, the loan was taken back XX/XX/XXXX. Every month with the exception of maybe 4 months I have paid them {$400.00} per month ( the other months I either paid full payment with maybe XXXX or {$40.00}. over ) so I could pay the loan off sooner. As of last month I have over paid XXXX all of which should have been applied to the principal. I received a statement from them saying the money was just sitting there and never applied. I called a few times and they told me it would be corrected. Then I got a phone call I was late paying 3 months.... Obviously this was wrong, they owe me money. I then made a very comprehensive spread sheet to show them all payments I made and all payments ther records show they indeed receive, I e-mailed it to them and sent in the mail XX/XX/XXXX. Dead silence I have heard nothing back. I need someone to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: AZ

Complaint narrative:
XXXX dollars they removed the account last year in XXXX. But as of today XX/XX/XXXX the account is back on my credit. I submitted all the paperwork & documentation that they requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: AZ

Complaint narrative:
Credit sage never explained the monthly {$99.00} fee after the initial {$540.00} upfront fee. I was told initially what the upfront fee that I would receive documents, I never received arguments, then, I was hit with a {$99.00} fee after a month. I called and ask for the documents, I asked them why I was never told about the $ XXXX monthly fee, I could not get a straight answer, the supposed manager the chess preferred back to there are policies. When I asked for a refund, I was denied. When I asked for a cancelation the manager was quick to do that. This company is shady and NEVER doing business with them ever again.

Company response to consumer: Closed with explanation