vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
I am submitting a complaint regarding XXXXMOHELA 's XXXX XXXX XXXX XXXX and XXXX lack of transparency surrounding the evidentiary standards used to evaluate applications. I attended XXXX XXXX from XXXX and financed my XXXX XXXX XXXX XXXX loans originally issued by XXXX XXXX XXXX When XXXXMOHELA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX applied immediately. Prior to the creation of this program, there was no comparable private-loan misconduct relief mechanism available to borrowers such as myself. During the review process, I submitted extensive supporting documentation, including bankruptcy records, repayment histories, White House correspondence seeking relief dating back more than a decade, evidence of ongoing financial harm, government findings related to the school, and additional supporting materials requested by XXXX/MOHELA. My application was ultimately denied for insufficient harm, insufficient evidence of harm, insufficient causation, and the passage of time. Not just once -- but XXXX times, with each application providing more of the very information they were requesting. My concern is not simply the denial ( XXXX ). Rather, my concern is that borrowers are not provided with a published evidentiary rubric, objective standards, examples of sufficient documentation, or meaningful guidance regarding how evidence is evaluated. As a result, consumers are denied for failing to satisfy standards that are not clearly disclosed. This issue is particularly problematic for borrowers with older accounts. The events at issue occurred nearly XXXX years ago, and many records no longer exist or are impossible to obtain. Borrowers are expected to prove decades-old claims without being told what evidence is required, while the age of the claim itself XXXX be cited as a reason for denial. The mechanism for relief has only been around since XXXX, at which time I made my first attempt and XXXX subsequent attempts after. Why are borrowers with older accounts being penalized for not seeking relief when no meaningful program existed to XXXX it? I am requesting review of whether consumers are being provided a fair and transparent process, whether the evidentiary expectations are adequately disclosed, and whether borrowers are being given a meaningful opportunity to understand and satisfy the requirements necessary to obtain relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: NE

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I am writing to file a formal complaint against Capital One regarding my Capital One Venture card ending in XXXX Capital One abruptly and unilaterally canceled my credit card account, citing " suspicious activity. '' This account was in good standing, and the automated fraud detection system has suffered a severe false positive. No actual fraud or breach of contract has occurred on my end. I contacted Capital One customer service directly to resolve this error and verify my identity. However, the representatives refused to reinstate the account and informed me that thousands of miles of contractually earned rewards balances have been permanently " lost '' and forfeited. I did not default on this account, nor did I abuse the rewards program. Capital One is willfully withholding and confiscating my earned property based purely on an unverified, erroneous algorithmic flag. Capital Ones refusal to provide a specific, manually reviewed reason for this adverse action violates the Equal Credit Opportunity Act ( ECOA ). Furthermore, the permanent forfeiture of earned miles under a false-positive flag constitutes an unfair and deceptive practice. I demand that Capital One 's Executive Resolution Team manually review this case, reverse the automated restriction, and immediately reinstate my full mileage balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: IL

Complaint narrative:
I dispute the validity and amount of this debt. Prior to vacating the property, I communicated with XXXX XXXX XXXX regarding my move and cooperated with their efforts to re-rent the property. A request for debt validation was made to RentDebt Automated Collections , LLC. In response, only a resident ledger, account history, and partial copies of the lease agreement were provided. I was not provided the complete lease and addenda, the specific lease provisions authorizing the charges, documentation supporting the amount claimed, or documentation supporting mitigation of damages. Because the debt has not been fully substantiated, I dispute the accuracy and validity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I locked my credit to protect it, experience.Added a XXXX digit pin when I asked them not to I no longer have the email or the phone number.They both got compromised.That is why I locked my credit.My credit is locked right now.I can not get a credit card.I can't pull a person loan.I can't get a vehicle loan.I can't build my XXXX can't do anything everywhere I go.I get shut down, it is running my life.I need help so bad unlocking my XXXX can't get a hold of XXXX XXXX will help XXXX don't know what to do

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 2026-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was told I was just getting free promotion items for signing up for a free membership, I signed up and the worker acted surprised that I was receiving money and told me after the fact that I was signed up for a credit card. It was misleading and if I knew I was signing up for a credit card I would not of given my info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 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: OneMain Finance Corporation
State: MI

Complaint narrative:
I lost my card and onemain BrightWay is trying to make me pay for the charges that someone else made

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: LA

Complaint narrative:
My PayPal account was permanently limited, and I have strictly complied with PayPal 's policy by waiting the mandatory XXXX holding period. Recently, I received an official email from PayPal explicitly stating that my funds are now fully eligible for withdrawal. However, PayPal is continuously failing to honor this. When I attempt to link my checking account to withdraw my funds, the system throws a red error stating : " There's a problem with your account. Please go to the resolution center ... '' There are XXXX open cases or actionable items in my Resolution Center. I have contacted PayPal 's Live Support multiple times. While representatives acknowledge that my XXXX period has passed and my funds should be released, they blame an " internal system glitch '' and automated security blocks. They have refused or failed to manually override this glitch. > PayPal is currently withholding my funds without any legal justification, in direct violation of their own email release notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am submitting this complaint regarding Chimes denial of multiple unauthorized electronic fund transfer ( EFT ) disputes involving my debit card account. Between XX/XX/year> and XX/XX/year>, numerous transactions were processed on my account that I did not authorize, initiate, approve, or benefit from. Upon discovering the unauthorized activity, I promptly notified Chime and exercised my rights by reporting the transactions as unauthorized and filing formal disputes. The disputed transactions include multiple charges from XXXX and a merchant identified as XXXX XXXX XXXX. Chime denied several of these disputes, including Dispute # XXXX and Dispute # XXXX, despite my assertion that the transactions were unauthorized. Additional disputes remain under review. I also filed a police report documenting the unauthorized use of my debit card information and the resulting financial loss. The report states that I did not authorize the transactions and that unknown person ( s ) obtained and used my card information without my consent. Despite receiving notice of the unauthorized transactions, Chime concluded that no billing error occurred and denied reimbursement. I requested information supporting Chimes determination, including merchant records, authentication records, transaction data, device information, and any evidence relied upon during the investigation. Chime has not provided sufficient documentation demonstrating how it determined that the transactions were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: FL

Complaint narrative:
Date : XX/XX/year> From XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Tek-collect XXXX XXXX XXXX XXXXXXXX Ohio XXXX XXXX XXXX Validation for Account No. XXXX To Whom it May Concern : This letter is in response to your contact about the alleged credit card debt you have identified. This is neither an acknowledgement of debt or a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege is due to you. This is not a request to verify the debt but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment to you. You must provide the following alleged information to me within thirty ( 30 ) days from your receipt of this letter. 1. Creditor 's name and full address2. Name of debtor of record3. Full account number of debt4. Amount of debt5. Due date of debt6. Original charge off or delinquency date7. Explanation of how the debt was calculated8. Name of collection agency or owner of debt, if applicable9. Evidence that the debt is within the State 's applicable statute of limitation10. Amount paid if debt was purchased11. Completed and executed agreement, including signature pages, for the debtPursuant to my rights under the FDCPA, I will be ignoring any future collection attempts until you verify that this debt is mine. Thank you for your consideration. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: CA

Complaint narrative:
VW XXXX XXXX have denied me the ability to get statements after my bankruptcy. I Have XXXX vehicles that I pay every month and I have no idea how is my money being applied to my accounts. I have to call and request a full balance in the account every month and each and every time I get in response : " we can not provide you with a full description of your account is very limited what we can share with you ''. I'm paying every month both loan accounts and I do not get statements. Amounts paid they are XXXX different accounts that I need statements. on XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$300.00} for more than 5 years last XXXX statetaments received dated XX/XX/2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have an FHA loan serviced by LoanCare. I entered an approved forbearance due to documented financial hardship. I submitted a complete loss mitigation package on XX/XX/year> which LoanCare confirmed as complete on XX/XX/year>. On XX/XX/year> I received a denial for FHA Partial Claim, FHA Modification Trial, and FHA Payment Supplemental Program Trial. The sole reason given for denial was current delinquency status of my account. The delinquency on my account was created entirely by the forbearance that LoanCare approved. I did not miss payments due to negligence. The missed payments are a direct result of the approved forbearance plan. Denying the FHA Partial Claim due to forbearance-created delinquency contradicts the fundamental purpose of the program which was specifically designed by HUD to cure delinquency resulting from forbearance. Additionally the denial letter dated XX/XX/year> was never uploaded to my borrower portal where all other correspondence has been consistently made available. I was only informed of the denial verbally by a collections representative. I have recorded video evidence showing all other letters present in the portal while the denial letter remains absent. This raises serious concerns about proper written notice of denial under applicable servicing guidelines. I submitted a formal written appeal on XX/XX/year> with a deadline of XX/XX/year>. I am requesting that CFPB investigate whether LoanCare properly evaluated all available FHA loss mitigation options in compliance with HUD guidelines and whether proper written notice of denial was provided.

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 2026-06-09 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: AZ

Complaint narrative:
XXXX. Went to drive through atm machine said nsf ... road around building transfer funds got money statement a few days later said I withdrew twice i disputed and the sent XXXX not me a letter saying that they checked the machine and no extra money was found. But I could dispute the findings and request video, and detailed account ... Made appointment we meet with assistant and XXXX and requested everything asked for time stamped balances... was asurred by XXXX that internal auditor would get in touch, once again I didn't recieve anything XXXX recieved another letter saying No he recieved the money, called and was told. No they were still investigating it, didn't hear back so went in again was told still under investigation, recieved another letter that show strange statement, on that day there it shows deposit before attempting to withdraw and balance makes no since went back to bank new bank XXXX says we never filed asking for a time stamp statement or video and we were " '' lied '' we need a court order and to please leave

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 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV funding LLC {$720.00} debt They are posing as original creditoe and they are not the orginial creditor constantly calling me Also LVNV funding LLC {$850.00} debt Posing as original creditor Als9 constantly calling me I am sick and would please like these 2 removed from my credit so I can get a home loan to buy a house I have disputed transunion and equifax and experian many times in the past CN you please report to all 3 I need these disputed and removed so I can move forward to buy a home Please help i dont know what else to do I need help please and thankyou so muxh for taking time to look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one owes me money after closing my account and will not tell me if I will be receiving my refund. I got hung up by supervisor and the agents are not assisting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
This happened on instagram it was like a Cashapp glitch where you get money by giving the person the amount they ask. So when I went on instagram my friend I know he started to act weird and say look text this number and he can hook you up. Then I texted it and he was like XXXX can you send me XXXX dollars through Cash App then I did. Then I went out too eat with my family and he was texting me and he sent me and screenshots saying I do business. So then when I got home at night I sent him at least XXXX dollars through XXXX XXXX and it was the day before graduation day. How this happened was when he pretended to be my friend and he gave his card, saying I trust you bro that you wont still. I got deceived by his persuasion. But the money XXXX withdrawal from XXXX XXXX, I withdrawal it into his card. Then he took my instagram account but I hope you guess can fix this cause I hurt but I felt confident that Ill get all it back from Navy federal but they cant cause it was a unauthorized transaction. But I got some of it back a few days ago but now my claim is denied and they gon na take the credit they gave me away. So I pray yall can help me get my money back. I have his number save it XXXX ( XXXX ) XXXX please bring just to this guy. He impersonates people you know and makes you believe its legit. I hope yall can help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am the victim of a highly sophisticated bank impersonation scam on XX/XX/year>, at approximately XXXX XXXX PTS, in the amount of {$4500.00}. The perpetrators weaponized the financial institution 's identity by spoofing the Wells Fargo Customer Service number on my caller ID, and I have the call logs as evidence. The incoming call matched the number on the back of my debit card, and they sent me a text with a numerical code in the same text thread as I have received codes from Wells Fargo in the past. They used these methods to reassure me that they were affiliated with the bank. These impersonators told me that they found a fraudulent charge on my debit card for {$300.00} for a XXXX transaction in XXXX XXXX, Texas. I told them I did not authorize that charge, and they continued the facade, saying I was a valued Wells Fargo customer and that they were so happy they had flagged the transaction and were in touch with me. They then told me that the fake scammers had hacked into my online mobile banking account and that I would need all new account numbers. The impersonator said they were unable to establish my new accounts and that they would need their supervisor to call me. This is when they spoofed the Wells Fargo number and induced extreme duress by indicating not only that there was a {$300.00} charge but also that an attempted credit transfer had been made. When I told them I did not authorize that credit wire, they said I would need to move my money to my digital wallet to keep it safe from hackers. They also said that, since they had hacked into my online banking, I would need to move all available cash advance credit, and instructed me, under false pretenses and extreme duress, to make a cash advance transfer, saying they would waive any fees that this would incur. This caused extreme duress, and they told me that if I wanted access to my money while they set up my new account, I would have to put it into XXXX XXXX, then transfer it to a temporary debit card. After holding me for 45 minutes, they walked me through step by step how to transfer all my money and credit to my XXXX XXXX, then to a debit card. When I questioned the number associated with the card, they got aggressive and said, " Why are you worried? We are very grateful for your business with Wells Fargo, and we have verified our identity with them. So, given the amount of time on the phone and the extreme duress, the impersonators convinced me, under pretenses, to move all my funds. I demand a review under CFPB 's guidelines on Induced voluntarily authorized transfers, as my consent was entirely manufactured by fraudsters impersonating my trusted bank. Additionally, I have a recording of the last hour of the call and would be happy to provide it.

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 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
: SoFi removed my autopay discount and increased my monthly payment due to an internal error made by their agent.Details : I provided my correct bank account and routing number. A SoFi agent entered the information incorrectly on their end. I later sent SoFi a copy of my check clearly showing the correct routing and account numbers. Despite this, SoFi flagged my account as unverified, removed my autopay discount, and raised my monthly payment.I have contacted SoFi multiple times, and they acknowledged the verification but have not corrected the payment or reinstated the discount. This error was caused by SoFis employee, not me, and I have provided proof.I am requesting that SoFi:1. Reinstate my autopay discount 2. Correct my monthly payment 3. Apply the correction retroactively SoFi has not resolved this despite multiple attempts, and their error has caused financial harm.

Company response to consumer: Closed with explanation