vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Different banks Have denied me opening up checking accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I had multiple charges that I did not authorize and wasnt aware of charged to my account totaling {$4600.00}. I filed a claim with BOA and it was denied. I refiled and have yet to receive a refund. My accounts were closed. It was over night from one day to the next. I called number on charge phone is disconnected.

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 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
WILFUL VIOLATION OF MY CLIENT PRIVACY RIGHTS BY CAPITAL ONE FINANCIAL CORPORATION AND DEMAND FOR APOLOGY AND COMPENSATION Around XX/XX/year>, I updated my client mailing address with Capital One through its secure online platform. I did so in particular to facilitate the receipt of a replacement debit card pursuant to Capital One 's company-wide card reissuance program announced around that time. 

This mailing address I provided was new and is strictly private, and had never been disclosed to any other entity previously. Furthermore I have maintained paperless communications arrangement with Capital One for years, and I have certainly NEVER granted authorization to Capital One for third-party sharing of my personal information! 

Yet not long after providing the new mailing address to Capital One, I received unsolicited personalized direct mail by XXXX XXXX addressed to this private address ( photo image available ). Since the address in question had been provided exclusively to Capital One and to no other entity, the direct mail incident is clear evidence that Capital One wilfully disclosed my nonpublic personal information without authorization and directly my consent, resulting in privacy invasion and exposure to unwanted and potentially persistent commercial solicitations.

This clearly constitutes a violation of my client privacy rights by Capital One under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq., and applicable state consumer protection laws!

I have since written to Capital One twice about this violation with a request for appropriate remedy within 10 days, as follows : XXXX. Immediate cessation of any further sharing or sale of my personal information ; written requests to XXXX XXXX and any other recipients for deletion of my data ; and provision of confirmation and proof of compliance. 
XXXX. Goodwill restitution in the amount of {$500.00}, credited to my account, for the breach of privacy and trust. 
XXXX. A formal written apology acknowledging the issue and reaffirming Capital Ones commitment to customer privacy protections.

Capital One have not responded and instead attempted to try stonewall on the matter, thereby adding insult and further damage to injury. While Capital One as a major US bank clearly holds a position of power relative to individual clients, it is unacceptable and in fact unlawful that it should abuse this position, first through clearly violating client rights for added commercial gain, and second by trying to ignore being called out for it. 

It is for this reason that I am having to file this claim through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
The {$570.00} transaction was for a bicycle. The item was returned to the seller, and I have shipping confirmation and tracking proof showing that the bicycle was delivered back to the sellers address. 

Despite receiving the returned merchandise, the seller did not issue a refund. 

I submitted all documentation to PayPal, including proof of return and delivery confirmation. However, PayPal failed to conduct a proper review and did not provide a meaningful explanation for denying my dispute. 

This is not a case of a missed deadline. The seller physically received the returned item and kept both the product and the money. I am requesting that PayPal conduct a full manual review of the confirmed return and issue the appropriate refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: SC

Complaint narrative:
On XX/XX/year> i filed a dispute to remove a fraudulent collection from my credit report with XXXX for credit control LLC and I uploaded my identity theft form from the FTC. They have not removed the collection. They stated the fraudulent account was mine but it is not. I verified with the original collector, XXXX XXXX that I never owed them any money however XXXX  closed my dispute without removing the collection stating its credit control llc fault. Credit Control confirmed it was a fraudulent account as the address and birthday was wrong and not mine.

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 2026-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, I sent loanDepot.com, LLC a Notice of Error and Request for Information regarding the account loanDepot claims is a mortgage loan associated with the property located at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Colorado. 

The notice was sent by certified mail to loanDepots designated address for servicing correspondence. XXXX tracking shows the correspondence was made available for pickup on XX/XX/XXXX and was returned unclaimed on XX/XX/XXXX. 

On XX/XX/XXXX, I retransmitted the Notice of Error and Request for Information electronically and again requested acknowledgment and a compliant response. 

On XX/XX/XXXX, loanDepot sent a packet of documents consisting primarily of copies of previously produced loan and closing documents. The packet did not address the specific errors identified in the Notice of Error and did not provide the servicing records and information requested. 

On XX/XX/XXXX, I sent loanDepot a written notice of noncompliance explaining the deficiencies in its response and providing an opportunity to cure. No compliant response has been provided.

This reflects a failure to comply with 12 U.S.C. 2605 ( e ) and 12 C.F.R. 1024.35 and 1024.36.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
Mortgage Servicer : CMG Financial Mortgage Complaint Subject : Misleading Information, Improper Loan Modification Handling, and Servicing Errors ( CMG Financial ) We have experienced a nightmare regarding our mortgage servicing with CMG Financial. In XX/XX/XXXX, we experienced a temporary hardship due to a mass layoff involving my wifes employment in the immigration sector. 

XX/XX/XXXX : We immediately contacted CMG Financial to seek a loan modification or forbearance due to this temporary issue. Every time we sought help, the file was placed under a XXXXday review, which halted all progress. 

XXXX XXXX : We received a letter approving a modification, but it was unacceptable as it required a large balloon payment/lump sum of roughly {$19000.00}, which we could not afford. 

Denial Reasoning & Re-submission : When we questioned this, an agent stated the denial was " due to no income in the home. '' This was incorrect, as we had informed them that my wife had already secured new employment. They agreed to re-submit our paperwork for another XXXXday review. 

XX/XX/XXXX : We received notice that a XX/XX/XXXX, acceptable modification was approved, enabling us to get back on track. 
Confirmation of Terms : I called CMGXX/XX/XXXXto confirm the approval and to notify them that we would make payments in XXXX, XXXX, and XXXX of XXXX to catch up on the XXXX XXXX payments ( {$2800.00} ). I was told XX/XX/XXXX by a CMG agent that no further action was required from us to accept this, and to just make the payments. 

XX/XX/XXXX - XXXX : In XX/XX/XXXX, I went online to make the payment and found I could no longer access our profile. I contacted CMG to inquire about the status. Only to be notified that a defaulted on a loan due to a missing signature which I was never told of a signature. We are highly upset and disappointed we feel like time after time paperwork was submitted incorrectly and we were advised incorrectly as well. 

Again, after the notification of forecluse by phone they submitted another modification forberence only to be advised in XXXX of XXXX that it was denied due to our issue being long term!! 

We have lost almost XX/XX/XXXXdays due to documents and paperwork being submitted incorretly we have now tackled another {$12000.00} which is the total of almost {$19000.00} that we are required to pay. 

We need help and we need a resonable solution with CMG Financial Mortgage. We feel this is a huge scam, agent filing documents incorrectly, seveal agents with language barriers making the communcation almost impossible. We want to keep our home under an FHA loan and starting making payments again. Enough with the waiting another XX/XX/XXXX days which is putting us in a bigger financail hole!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Hello dear Team, I am submitting this complaint regarding the closure of my credit card account by First National Bank of Omaha. 

I maintained this account for approximately three years and 9 months. During that time, I used the card responsibly and in accordance with the terms and conditions. I actively used the card, including making substantial purchases, and I believe I maintained a positive payment history and complied with all account requirements. 

Last month, my account was closed by the bank without prior warning. When I contacted the bank for clarification, I was informed only that the closure was due to risk, but no specific explanation or supporting details were provided. Despite requesting further clarification, I have not received a clear or detailed reason for the decision. 

I firmly believe that I did not violate any terms or conditions of the account agreement. The lack of transparency regarding the closure has negatively affected me, including potential impact on my credit profile and financial planning.

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 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Formal Complaint Against PayPal I am filing this complaint regarding unauthorized recurring charges processed by PayPal beginning in 2014. 
Since approximately 2014, PayPal has been processing a recurring {$13.00} monthly charge labeled XXXX XXXX. I did not knowingly authorize this charge, did not subscribe to this service, and did not use XXXX XXXX or XXXX XXXX in connection with these payments. I also never received any emails, invoices, or notifications from PayPal regarding this recurring billing arrangement over the course of nearly XXXX years. 
I contacted XXXX to investigate, and they confirmed they are unable to locate any active or historical XXXX subscription associated with any of my XXXX accounts XXXX would explain or justify these charges. Despite this, PayPal maintained and continued a recurring billing agreement tied to this charge. 
I have now canceled the payment in PayPals Automatic Payments section, confirming that this was indeed an active billing agreement controlled by PayPal not by XXXX. 
Because XXXX can not locate any subscription tied to my accounts, and because I was never notified of this recurring billing arrangement, I believe this charge was unauthorized and improperly maintained by PayPal for an extended period of time. 
I am requesting that PayPal : Identify and provide the billing agreement ID associated with this charge. 
Disclose the original creation date of this billing agreement.

Explain how this agreement remained active for nearly ten years without my knowledge or consent.

Issue a refund for unauthorized recurring charges to the maximum extent permitted. 
I am seeking a full investigation into this matter and a written response. 
Thank you for your attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WI

Complaint narrative:
My federal student loans serviced by MOHELA were discharged under Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX, with an effective date of XX/XX/XXXX, as confirmed by Federal Student Aid. 
Because payments continued to be made after the effective discharge date, MOHELA calculated that I am owed a refund for overpayment. 

MOHELAs own account history reflects the following : On XX/XX/XXXX, a refund transaction was created in the amount of {$5000.00}. 
That same refund was subsequently reversed. 
After contacting MOHELA multiple times and escalating through supervisors, I was informed the refund was reissued and sent to the U.S. Department of the Treasury. 
However, when I contacted Treasury, I was advised that no payment file or refund instruction has been received for me. 

As of today : My balance is {$0.00} with Federal Student Aid. 
My balance is {$0.00} with MOHELA. 
My credit reporting reflects {$0.00}. 
MOHELAs system shows negative balances and prior refund calculations. 
The issue is not eligibility. 
The issue is MOHELAs failure to successfully transmit or complete the payment. 
This matter has now been ongoing for many months. Despite repeated contacts through standard customer service channels and prior use of the Federal Student Aid feedback process, I have been unable to obtain consistent or verifiable information about when my refund will actually be disbursed. 
I am prepared to provide documentation of my forgiveness determination, account balances, and MOHELAs posted refund activity upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a formal complaint against Cash App regarding multiple unauthorized transactions that occurred on my account on XX/XX/XXXX, which Cash App has denied despite being fraudulent. 

On XX/XX/XXXX, I received notifications for the following transactions through Cash App associated with XXXX and various merchants : {$13.00} {$690.00} {$590.00} {$83.00} {$120.00} {$580.00} {$23.00} I did not authorize these transactions, nor did I give anyone permission to use my account. I promptly reported the activity to Cash App and filed a dispute. However, my claim was denied without a clear or sufficient explanation, and I have not been provided documentation supporting their decision. 

Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to conduct a reasonable investigation into unauthorized electronic transactions. I believe Cash App failed to properly investigate my dispute and wrongfully denied my claim.

The total amount of these fraudulent transactions is substantial and has caused financial hardship. I am requesting that Cash App be required to : Conduct a thorough and proper investigation, Provide written documentation of the findings used to deny my claim, and Issue a full refund for the unauthorized transactions.

I am seeking assistance to ensure my consumer rights are upheld and that this matter is resolved in accordance with federal law.

Thank you for your attention to this serious matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Double Diamond-Delaware, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. I am submitting a complaint regarding United Equitable Mortgage for harassment, improper third-party contact, and lack of transparency in loan servicing. 

On XX/XX/year>, a representative named XXXX contacted my mothers phone number even though she is not listed on my mortgage account. When questioned, he stated, I am going to call everyone until you make a payment. I have been communicating with the company weekly, making this contact unnecessary and inappropriate. 

During the call, he refused to answer my policy questions, talked over me, and hung up. When I called back to submit a complaint, I was transferred back to him. He refused for several minutes to provide an email or mailing address for complaints and repeatedly placed me on hold before eventually providing it. He also delayed providing his name. 

Months earlier, this same representative denied a payment extension, but another representative approved it the next day with no paperwork or written confirmation, despite this being a loan modification. This raises concerns about proper servicing, documentation, and compliance.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
I am filing this complaint regarding Debt Recovery Solutions , LLC for reporting a collection account on my consumer credit report without providing me with the required notice and validation rights under federal law. 

The account in question ( original creditor listed as XXXX, balance {$1900.00} ) was placed on my credit report without any prior written notice to dispute the debt within 30 days as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

I never received any validation notice, initial communication, or documentation establishing that this alleged debt belongs to me before it was reported to the credit bureaus. 

Additionally, the debt appears to be past the applicable statute of limitations for legal enforcement. No proof has been provided that Debt Recovery Solutions has legal authority to collect or report this debt. No documentation has been provided showing chain of assignment from the original creditor. No signed agreement bearing my signature has been produced.

Reporting a debt to credit bureaus without first providing validation and an opportunity to dispute is a violation of my rights under federal law. Furthermore, reporting unverified or time-barred debt may constitute furnishing inaccurate information under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my credit report, I found multiple accounts and fraudulent personal information that I did not authorize or open. These unauthorized accounts have been affecting my efforts to secure a home for my family. I kindly ask for the immediate removal of these fraudulent accounts from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Paid {$10000.00} down, {$1000.00} a month for about 18 months for a XXXX XXXX XXXX XXXX for about XXXX. XXXX was repossessed in XX/XX/XXXX. The vehicle later sold for about {$20000.00} at auction. The bank is now requesting and additional {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I reached out to the company in which they sold my personal information to a third party I continue to pay the third party and reach back out to the company to let them know about the payment to remove negative off my credit the stated they had know idea about the third party company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation