vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding the improper and continued restriction of my bank account and funds. On XX/XX/year>, Wells Fargo notified me that my account was under review due to alleged unauthorized transfers. I fully cooperated with the investigation and provided all requested documentation demonstrating that the transactions were legitimate. After reviewing the matter, a Wells Fargo supervisor acknowledged that there was no fraud, apologized for the error, and confirmed that the hold on my account would not be extended and that my funds would be released. Despite this, Wells Fargo has continued to restrict my account and hold my funds. At this time : There is no fraud determination There is no pending or confirmed reversal request There is no active claim against the funds I have fully complied with all requests Wells Fargo is continuing to hold my funds without a valid basis. This situation is causing serious harm, including : Disruption to my business operations Inability to access funds needed for active projects, including filming and production Interference with travel and work obligations Ongoing financial losses I also have recorded evidence of a Wells Fargo supervisor acknowledging the mistake and confirming that the hold would not be extended. Wells Fargos actions appear to be negligent, contradictory to their own findings, and an improper use of their authority to restrict accounts. Requested Resolution : Immediate release of all funds Removal of all account restrictions Written explanation of why the account remains frozen despite acknowledgment of no fraud

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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I don't know what their problem is. My account was breached by an unauthorized user. They are allowing things to be stolen with out a way of representation for yourself. They took so much money of mine and have added up an unfair debt that I can not understand. They say they are not sure of what the problem is with an unauthorized user on my account multiple times while they still also charge me money for failure to pay. As they say you can't pay it if it wasn't yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am a new Bank of America customer. On XX/XX/year>, I discovered my account was past duenot through a billing statement, but through an " Adverse Action '' notification that my credit limit had been decreased. Bank of America failed to provide a periodic billing statement via mail or email during the initial billing cycle. While the bank claims I was enrolled in paperless billing, I received zero notifications that a statement was ready for review. I have no record of consenting to paperless-only delivery without email notification. Upon receiving the limit-reduction alert, I immediately paid the full balance ( see attached receipt ). Despite this being a clerical and process failure on the bank 's part, they have reported a missed payment to XXXX. This is an inaccurate representation of my creditworthiness, as I acted instantly once notified. I have attempted to resolve this through standard channels, and the bank was unwilling to correct their administrative error.

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 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding a credit repair service operating as XXXX XXXX that failed to deliver the services promised and refused to issue a refund. I paid for credit repair services under the expectation that negative items would be removed from my credit report within a reasonable timeframe, as advertised. The company promotes performance-based results and implies improvements within 6090 days. However, no items were removed from my credit report, and no measurable service results were delivered. Despite this failure to perform, the company has not issued a refund and has not made a good-faith effort to resolve the issue. My dispute with my financial institution ( Claim # XXXX ) was also denied, leaving me without resolution. The companys actions appear deceptive, as they accepted payment for services that were not rendered and failed to honor expected outcomes or provide remediation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I rental a hotel room on XX/XX/XXXX using my miles through capital one. Once getting to the hotel, there was no staff, and we were unable to check in. Therefore we had to leave and rent another hotel, and pay for a room a second time. I contacted capital one that night telling them the situation which they tried to contact the hotel and could not. I contacted the hotel and asked for a refund since their staff left and was not there to check us in, and they refused. Capital one should refund our miles since we used our " money '' to pay for a service we never received. The hotel fraudulently took our money. However there is no way to file a fraud charge on miles spent, and capital one said they need approval from the hotel to give the refund, even though they know we did not stay there. We got screwed by XXXX XXXX and Capital One and neither would do anything about it. I think they worked together to both keep a part of my money so I did not get it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I bought a camera from XXXX XXXX on XX/XX/XXXX, and it was supposed to be in excellent condition. However, the camera does not work. I contacted the bank and company to request a refund, but they refused to give me my money back. I wpuld not turn on when i press the power button

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Subject : Bad Faith Denial of School Misconduct Discharge - Account # XXXX I am filing this complaint against MOHELA ( acting on behalf of XXXX ) for acting in bad faith and failing to conduct a legitimate review of my School Misconduct Discharge application for my private student loans. I attended XXXX XXXX XXXXXXXX XXXX XXXX XXXX between XXXX and XXXX. On XX/XX/XXXX, MOHELA issued a blanket denial of my discharge application, listing every single available denial code ( Codes XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ). This " select-all '' rejection demonstrates that MOHELA did not perform an individualized or good-faith review of my file, nor did they acknowledge the undisputed federal evidence I provided. MOHELAs denial claims there is " insufficient evidence of misconduct '' and " insufficient evidence of harm. '' However, my application explicitly relied upon the XXXXXXXX XXXX XXXX XXXXXXXX official findings announced on XX/XX/XXXX. XXXX XXXX formally confirmed that XXXX XXXXXXXX XXXX engaged in widespread, pervasive, and systemic fraud regarding job placement rates and salaries between XXXX and XXXX perfectly covers my dates of attendance. XXXX XXXX found the school inflated placement rates ( claiming over 80 % when the reality was under 57 % ) to induce students into taking out loans. Because of this proven, systemic fraud, the XXXX XXXX XXXX XXXX has already XXXX my federal student loans under the XXXX XXXX XXXXXXXX settlement XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite the federal government acknowledging the fraud and discharging my federal loans, MOHELA is refusing to acknowledge the exact same fraud for my private loans. Under the FTCs Holder in Due Course Rule, my private lender is subject to the same claims and defenses that I have against the fraudulent school. Furthermore, MOHELA 's use of Denial Codes XXXX and XXXX ( " Length of time '' ) is an invalid application of the statute of limitations. As stated in my application, I only became fully aware of the systemic nature of the falsified data when the XXXX XXXX XXXX released its group discharge findings in XX/XX/XXXX. MOHELAs use of a boilerplate rejection letter to ignore federally documented fraud is an unfair and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Affirm Holdings, Inc
State: ME

Complaint narrative:
I am filing a complaint against Affirm regarding a consumer loan used to finance a purchase that was never full delivered. On XX/XX/year>, I entered into a financing agreement with Affirm to purchase a weight loss program from a third-party merchant. The order was supposed to be delivered in multiple shipments. I received the first shipment ( six doses ), but after taking the first dose, I became ill and did not continue using the product. A second shipment was marked as shipped on XX/XX/year>, but I never received it. As of XX/XX/year> this is no record of delivery to me. I attempted to resolve this issue directly with the merchant, but the business is now unreachable and has reportedly gone out of business. I have also filed complaints with the XXXX XXXX XXXX and the XXXX Attorney General XXXX XXXX, both of which indicate the business can not be contracted. I have filed two disputes with Affirm regarding this transaction. Both disputes were denied. Affirm continues to hold me responsible for the full loan balance despite the fact that : XXXX A significant portion of the order was never delivered. 2 The merchant is no longer in operation and can not resolve the issue. 3 I have not been provided with proof that the second shipment was actually delivered to my address. Affirm has not provided adequate documentation to justify denying my disputes, particularly regarding proof of delivery for the XX/XX/XXXX shipment. I believe it is unfair and improper to require repayment of a loan for goods that were not received, especially when the merchant in no longer operating and can not fulfill it obligations. I am requesting that Affirm : * Investigate this matter thoroughly * Provide verifiable proof of the delivery for the missing shipment * Adjust or cancel the remaining loan balance to reflect the undelivered goods * Pause any required payments while the complaint is under review. This situation involves non-delivery of goods and a merchant that has effectively disappeared. I am seeking a fair resolution and relief from paying for products I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This complaint involves a disputed debt by XXXX XXXX XXXX. There are two billing issues involved : 1. I cancelled XXXX XXXX XXXX cable service in XX/XX/XXXX. Despite cancellation, and returning the equipment ( I received proof that equipment was received ), XXXX XXXX XXXX continued billing me monthly for approximately 1 year. I contacted XXXX XXXX XXXX repeatedly on a monthly basis, and each time they corrected the charges and confirmed my account was paid in full. 2. XXXX XXXX XXXX is also attempting to charge me for a cell phone that was already paid in full at the time of purchase under a promotional discount. There was no remaining installment balance owed, yet charges were still incorrectly applied. Despite repeated corrections and confirmations via billing that my account was resolved, XXXX XXXX XXXX later sent a {$590.00} balance to collections. The collection agency has stated the debt is valid ; however the underlying charges are the result of repeated billing errors and incorrect device billing that was already satisfied at purchase along with final payment when I cancelled my cable service XX/XX/XXXX and cell phone service in XX/XX/XXXX. I am requesting : .Full validation of the debt, including itemized billing history for both cable and device charges. . Investigation into XXXX XXXX XXXX 's repeated billing corrections and improper device billing. . Removal of this collection from my credit report ( if reported ). . Written confirmation that no valid debt is owed. In conclusion this is not a legitimate outstanding balance-it is the result of repeated billing and account errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my researchJ EFFCAPSYS 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 2026-04-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
They have denied me access and/or usage. I have contacted Netspend dozens of times through email and phone. Emails tell me to phone them. I have phoned them many times and got no information to resolve the issue. I can't login to my account online. Constantly told there's a problem with the account. It is a circular denial of them even talking to me. They are flat out keeping my money from me. I have searched online and discovered they have been doing the same to many customers with lawsuits against them. Please help me get my money back.

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 2026-04-27 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Out of work trying to find work in the field I went to school for

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Transworld Systems Inc.. This account is being reported on my credit file with XXXX and XXXX and is disputed in its entirety. I do not recognize this account and do not recall authorizing or entering into any agreement with this company. I am requesting full validation of this alleged debt, including : The original signed contract or agreement Complete account and payment history Proof of my legal obligation to this debt Documentation showing they are authorized to collect and report this account If the company is unable to provide this documentation, I am requesting that they immediately cease reporting and request deletion of this account from all credit reporting agencies. I am also requesting that the credit bureaus ensure that only accurate and verifiable information remains on my credit file. I am seeking a full investigation and written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — VA 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
MY " VA LOAN MODIFICATION AGREEMENT '', MONTHLY PAYMENTS ARE NOT BEING HONORED. I'M IN FEAR, WORRYING, AND BEING STRESSED TO HARASSMENT FROM FORMERLY PHH MORTGAGE SERVICES, NOW CALLED ONITY MORTGAGE SERVICES. MENTIONING THAT MY MONTHLY PAYMENTS HAVE NOT BEEN RECEIVED, THROUGH NUMEROUS FRAUSTRATING RECORDED PHONE CALLS ABOUT MY MORTGAGE PAYMENTS. PHH/ONITY MORTGAGE SERVICES ARE SENDING ME CORRESPONDENCE WITH " FORECLOSURE '', " MY ACCOUNT IS IN DEFAULT '', " LATE PAYMENTS '', AND " DELIQUENT ON MY MORTGAGE LOAN '' ( SEE ATTACHMENTS ), ETC. AND ITS STRESSING, DRAINING ME EMOTIONALLY, GIVING ME SLEEPLESS NIGHTS OF WORRIES! ONITY BEING MY NEW SERVICER ( SEE ATTACHMENT ) SINCE XX/XX/XXXX HAS BEEN A CONSTANT BACK AND FORTH ; I'M BEGINNING TO BELIEVE THAT THEY WANT ME TO FORECLOSE AND DEFAULT ON MY PAYMENTS-WHICH I'VE NEVER BEEN LATE ON ( SEE PAYMENT RECEIPTS ) -TO TAKE OVER MY HOME. I'M FEELING THAT THEY'RE PREDATORY AND SCHEMING TO " FIND ME IN DEFAULT! '' THEY'RE SAYING MY MONTHLY PAYMENTS ARE {$1400.00} PLUS DOLLARS A MONTH ( SEE ATTACHMENTS ), WHILE I FURNISHED THEM " THE VA LOAN MODIFICATION AGREEMENT ( SEE ATTACHMENTMENTS ) '' FROM OLD PAYMENTS TO NEW PAYMENTS, BEGINNING XXXX XX/XX/XXXX. CLEARLY STATING " NOTHING ELSE ABOUT YOUR MORTGAGE LOAN WILL CHANGE! ( SEE ATTACHMENT : NOTICE OF SERVICING TRANSFER DATED XXXX XX/XX/XXXX ). I'VE FORWARDED/EMAILED THE SAME TO ONITY, ON NUMEROUS OCCASSIONS ( SEE ATTACHMENTS ). WHY ARE THEY DISREGARDING THIS? AS SHOWN ( SEE ATTACHMENTS ) I'VE PURCHASE NEW HOME INSURANCE-ANNUALIZED AMOUNT GIVEN-WHICH WILL INCREASE MY MONTHLY PAYMENTS AND ADDITIONAL {$140.00} DOLLARS MONTHLY, FROM {$1000.00} TO {$1100.00} DOLLARS MONTHLY, BEGINNING XX/XX/XXXX PAYMENTS. PLEASE SOMEONE! HELP ME RESOLVE THIS MATTER WITH ONITY MORTGAGE SERVICES THAT THIS CONSTANT BACK AND FORTH WILL COME TO AN PEACEFUL END. YOURS TRULY, XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I used my Chase XXXX XXXX XXXX Credit Card to pay for a wedding event at a XXXX XXXX property ( XXXX XXXX XXXX XXXX ). Per the card 's rewards terms and a promotion communicated to me by XXXX at the time of payment, I was entitled to XXXX points per dollar spent on XXXX purchases. The charge totaled {$16000.00}, meaning I should have received approximately XXXX bonus points. I did not receive the correct points. I have opened two separate cases with Chase have received no resolution. For the 6 times I've called, Each time I call Chase, I am transferred to XXXX ; XXXX marketing states it is not their responsibility and transfers me back. Neither party has resolved the issue after multiple contacts over 2 months. I am requesting that Chase credit my XXXX XXXX XXXX account with the points I am owed, or provide a written explanation of why the points were not awarded under the card 's stated terms.

Company response to consumer: Closed with explanation