vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I applied for a mortgage loan with Navy Federal Credit Union ( XXXX # XXXX ) on XX/XX/year> to purchase a home priced at {$490000.00} with a down payment of {$120000.00}, for a total loan amount of approximately {$370000.00}. On XX/XX/year>, Navy Federal verbally informed me that my loan was denied. I received the official written denial on XX/XX/year>, stating that the reason for denial was that they were unable to verify employment. This reason is incorrect. I am a longterm XXXX employee at XXXX with stable, easily verifiable income. XXXX uses a standard thirdparty employment verification system that all major lenders accept. Navy Federal attempted to verify my employment by insisting that XXXX complete a custom employment verification form created by Navy Federal. XXXX does not complete lenderspecific forms for individual mortgage applications and informed Navy Federal of this. XXXX provided the correct verification channel and instructions for completing the verification. Navy Federal did not use the verification method provided by XXXX. In addition to my XXXX income, I submitted full documentation of my rental income, including current leases for all tenantoccupied units at my properties. Navy Federal had all required documentation to evaluate both my employment and my income. After receiving the denial from Navy Federal, I applied with XXXX XXXX on XX/XX/year> for the same property and the same loan structure. XXXX was able to verify my employment, XXXX income, and rental income without any issues and issued a cleartoclose on XX/XX/year>. This directly contradicts Navy Federals stated reason for denial. Because Navy Federal stated that they were unable to verify my employment despite being provided with the correct verification method, and because another lender verified the same information without issue, I am concerned that my application was not evaluated fairly or in compliance with ECOA and Regulation B.

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 2026-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: UT

Complaint narrative:
Please see my letter titled, " MOHELA Dispute - CFPB '', which is attached. This is in follow-up to my previously filed complaint against MOHELA, which is still pending despite following the complaint over 8 months ago. I have only included the most relevant supporting document. Please send me an email and I will be happy to provide the remaining supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I am writing to formally request an investigation into inaccurate late payment information that is currently being reported on my credit file. These entries are negatively affecting my credit history and overall creditworthiness. Specifically, I request that you investigate the late payment records associated with the following accounts : * XXXX * XXXX * XXXX I believe these reported late payments may be inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be thoroughly investigated and corrected or removed if they can not be verified as accurate. Please provide me with written confirmation of the results of your investigation. I appreciate your prompt attention to this matter and look forward to receiving a response within the time period required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To Whom It May Concern : I am in receipt of your claim regarding the above-referenced account. I dispute this debt and request full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide : The name and address of the original creditor. The complete account number. A copy of the original signed contract or agreement creating the obligation. A complete payment history and accounting of the alleged balance. Documentation establishing your legal authority to collect this debt. Documentation showing that you own the debt or have been assigned collection rights. The date of default and the date the account first became delinquent. Pending your response, I request that all collection activity cease and that no adverse reporting occur regarding this account. This letter is not an acknowledgment of liability and shall not be construed as a promise to pay. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX, a PayPal-owned company, froze my account while I had a payroll direct deposit pending. As a result, I was unable to access wages that I had already earned and was relying on to pay rent and other essential living expenses. I corrected the {$2.00} which supposedly caused the account to be frozen. Since XX/XX/year> the account been replenish. My direct deposit from my employer went into the account XX/XX/year>, and my account is still on hold from this offset of {$2.00}. I believe I was misled regarding the availability and accessibility of funds through XXXX 's direct deposit program. The service was promoted as a convenient way to receive and use payroll funds, including access through a debit card. However, when my account was frozen, I was prevented from accessing my money despite having legitimate payroll deposits. The account restriction caused financial hardship and uncertainty regarding my ability to meet time-sensitive obligations, including rent payments. I was not provided with a satisfactory explanation or timely resolution, leaving me without access to funds that were necessary for basic expenses. I am submitting this information because I believe consumers should have reliable access to their earned wages and should not be deprived of those funds without clear justification, transparency, and a prompt resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: KY

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital for committing identity theft. I have never given Jefferson Capital any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation therefor Jefferson Capital committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Jefferson Capital can not provide me with proof such as a signed agreement between me and Jefferson Capital giving them permission to work with me regarding any debt they believe that I owe or tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Jefferson Capital continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC
State: NC

Complaint narrative:
Account IDs : XXXX, XXXX, XXXX, XXXX XXXX XXXX Start Date : XX/XX/XXXX Dear CFPB, I am a XXXX XXXX spouse writing to formally report an SCRA violation by College Ave. My private student loans were taken out during my education, which concluded when I graduated in XXXX. My spouse subsequently enlisted in the XXXX XXXX XXXX and entered boot camp in XX/XX/XXXX. Because these debts were incurred prior to his active-duty service, federal law under the Servicemembers Civil Relief Act ( SCRA ) mandates that College Ave cap my interest rates at 6 %, effective as of his XX/XX/XXXX enlistment date. College Ave 's customer service agents have repeatedly ignored my notifications of military status and have illegally applied penalty interest rate increases and late fees to my account, which is also actively damaging my civilian co-signer 's credit. I am requesting that the CFPB compel College Ave to apply the 6 % interest cap backdated to XX/XX/XXXX, waive all penalty fees, and correct the credit reporting for both me and my co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, I was defrauded of {$1000.00} via a Chime Pay Anyone transfer. The funds were sent internally XXXX the Chime handle : $ XXXX XXXX I received a call from an individual pretending XXXX be part of the XXXX demanding I immediately send money for a settlement or else I would be in a lot of trouble. In a panic, I just immediately sent the money without thinking. I attempted XXXX put a dispute with chime XXXX they immediately denied it. After adding more evidence XXXX the claim, they reopened the case then immediately denied XXXX closed it again. I reached out XXXX XXXX ( the bank chime uses ) today XXXX requested the payment gets sent back XXXX a freeze is put onto the chime account associated with the scam. I also submitted a report with the FTC. The number that originally called me is XXXX XXXX the email they used XXXX send me " legal documents '' XXXX prove I paid them is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/year>, I signed up for the XXXX credit card, which transitioned from being serviced by Wells Fargo to a new issuer. This transition was communicated as seamless. At that time, my Wells Fargo balance was {$2500.00}. However, due to overlapping activity during the transition, I made payments totaling {$4900.00} to Wells Fargo while a portion of the balance was also transferred to the new XXXX card and paid there as well. As a result, Wells Fargo acknowledged that I was owed a refund of {$2900.00}. I had to proactively contact Wells Fargo to initiate this process. I was then informed that a refund check was issued on XX/XX/year>. I never received this check. Throughout XX/XX/year>, I made several follow-up calls and was repeatedly told the check was still in the mail. By XXXX, after confirming I had not received anything, Wells Fargo required me to complete and notarize an affidavit affirming non-receipt of the check. I completed this promptly and returned it using the provided return envelope. By XXXX, Wells Fargo stated they had no record of receiving the affidavit. I then contacted them again, and a second affidavit was sent to me at the end of XXXX. This version required notarization and submission again, either by fax or mail. Wells Fargo advised I could complete this at a branch location ; however, there were no available notary appointments at any XXXX locations. I was then told to have a private notary or attorney complete this, which would require me to incur additional cost. I already completed this process once, and Wells Fargo was unable to locate my submission. My XXXX statement was issued on XX/XX/year>, and as of XX/XX/XXXX, 202667 days laterI still have not received the refund that Wells Fargo has acknowledged is owed to me.

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 2026-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: NY

Complaint narrative:
I took out a {$16000.00} Climb Credit loan ( App Ref # XXXX ) to attend XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). I was failed under a grading rubric that was not part of my original enrollment contract signed XX/XX/XXXX a newer updated rubric was applied to my cohort without my consent, which constitutes a material change to my agreed terms. I missed one project due to a XXXX related to a XXXX condition. Per my signed enrollment agreement, student illness is explicitly listed as an excused absence, and the contract also states that instructors may grant extensions under extenuating circumstances. Neither accommodation was offered to me. The reason cited for my failure was unrelated to the XXXX XXXX XXXX curriculum ( XXXX XXXX XXXX ), all of which I had successfully completed. Additionally, class quality was consistently poor significant instructional time was spent on students who did not meet the program 's own admission requirements of basic XXXX, XXXX, and XXXX experience, directly impacting my learning. I have XXXX recordings of all sessions documenting these issues. I was also required to use a Florida address on my enrollment documents despite being a New York resident, which may have affected my consumer rights protections. I am requesting this loan be discharged and the balance cleared, as XXXX XXXX failed to deliver education consistent with the contracted terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I contacted XXXX multiple times seeking information about how my payment would be applied and was ultimately transferred to XXXX in the Servicing Executive Office. Rather than attempting to assist me, XXXX repeatedly refused to provide the requested information, refused to escalate the matter, and refused to consult with anyone else regarding my concerns. Throughout the conversation, she was dismissive and unhelpful. I was left with the clear impression that my concerns were not being taken seriously and that no effort was being made to resolve the issue. I explained that I require a breakdown of principal, interest, and escrow in order to maintain accurate accounting records. XXXX informed me that XXXX would not provide that information until after the payment was processed and that I would have to obtain it days later. When I explained why this was a problem and requested assistance in finding a solution, she simply reiterated that XXXX would not provide the information and declined to take any further action.She seemed to enjoy declining to assist me. I found the interaction to be unnecessarily adversarial and inconsistent with the level of customer service I would expect from a mortgage servicer. More importantly, despite multiple requests, XXXX failed to provide a practical way for me to obtain the information needed to accurately account for my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
1. On about XX/XX/XXXX I received and deposited a check from New Rez LLC. Account number is XXXX ( paid off and closed in XXXX I think ). The check was for {$2400.00}, about the amount I think I was paying monthly. BEFORE I deposited the check I called the company ( did not log with whom I spoke ) verifying I was owed the money before I deposited the check. It was verified. New Rez had been my mortgage company. 2. On XX/XX/XXXX the check was returned by the bank refer to maker. 3. On XXXX I called again and XXXX said the check has been reposted and is okay. 4. I did not redeposit the check Instead I called again on XX/XX/XXXX to determine what was happening. I do not recall the order of events but on XX/XX/XXXX I received a letter saying myinquiry had been received and I would be given an answer as soon as possible. 5. To date I have not received either the go-ahead to deposit the check or a complete explanation for the error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Order a customized item On XX/XX/XXXX for some flowers with my a picture of me and my wife in the middle for XXXX day On XX/XX/XXXX I filed a claim with my bank because it didn't arrive on time and I wasn't getting much of responses back On XX/XX/XXXX I received my order and the packaging was completely messy and the picture of me and my wife was not included but a picture of another couple was so I reached out to them about this issue On XX/XX/XXXX they responded saying they can not issue a refund and they apologize for the picture issue because of them being short staff that they were only Willing to offer a {$4.00} compensation On XX/XX/XXXX capital one which is my bank denied my claim claiming there was no error even after providing documentation and pictures to show proof that the order was wrong and I was not getting a refund so I called to have my claim reopened Today XX/XX/XXXX I get a email from my bank saying that the decision is final based on findings from the investigation team and when I called they stated I can't speak with them and that they didn't have corporate phone number on hand to file a complaint so now I'm out of almost {$70.00} I also didn't get what it was that I paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Subject : Request for Review and Fulfillment of Promised XXXX AAdvantage Mile Welcome Bonus I am filing this complaint regarding the Citi AAdvantage Platinum Select Mastercard welcome bonus offer of XXXX AAdvantage miles. Prior to applying for the card, I contacted Citi by phone, twice, specifically to verify whether I would be eligible for the XXXX welcome bonus. During that call, I disclosed that I had previously held the same Citi AAdvantage Platinum Select card more than XXXX years ago and had received a welcome bonus on that account. I also disclosed my history with the XXXX XXXX XXXX card. After reviewing my situation, the Citi representative informed me that I was eligible for the XXXX welcome bonus offer and could proceed with the application. I relied on this representation when deciding to apply for the card, accept a hard credit inquiry, open a new credit account, and complete the required spending necessary to earn the bonus. After opening the account, Citi has now informed me that I am not eligible for the welcome bonus because of my prior XXXX XXXX card history. This was never disclosed during my eligibility verification call and directly contradicts the information provided to me before I applied. Had I been informed that I was not eligible for the XXXX welcome bonus, I would not have applied for this card, or at least until I was eligible. I am requesting that Citi review the recorded phone call made prior to my application, investigate the information provided by its representative, and honor the promised XXXX welcome bonus. Alternatively, I request a detailed written explanation of why the information provided by Citi prior to my application should not be relied upon by consumers making credit decisions. Thank you for your prompt review. 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