vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I am filing this complaint against MOHELA as the current servicer of my five Private Signature Student Loans owned by XXXX ( Account # XXXX, loans ending XXXX, XXXX, XXXX, XXXX, and XXXX ), with a combined balance of {$100000.00}. On XX/XX/XXXX, denial letters were issued on all five of my School Misconduct Discharge applications letters which MOHELA administered and transmitted for loans related to my enrollment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). All five letters are word-for-word identical, citing the same reason codes ( 3, 4, 5, 6, 7 ) with no individualized review of each loan 's separate origination, disbursement, or repayment history. The U.S. Department of Education has already discharged all 12 of my federal loans for the same enrollment based on a formal finding of " pervasive and widespread substantial misrepresentations '' ( Borrower Defense Case No. XXXX ). As servicer, MOHELA has an obligation to ensure that discharge applications are processed fairly, accurately, and in compliance with applicable law and CFPB guidance including the XX/XX/XXXX supervisory directive requiring servicers to apply due deference to federal adjudications of institutional misconduct. The issuance of five identical boilerplate denials on the same day, with no individualized analysis, raises serious questions about whether MOHELA fulfilled that obligation. I have filed a formal written appeal with MOHELA directly and I am requesting CFPB intervention to ensure the appeal receives a substantive, individualized review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: NC

Complaint narrative:
I am the victim of an international payment scam. On Sunday, XX/XX/year> I sent {$590.00} through XXXX XXXX to an individual I later discovered was a scammer shortly after releaing the funds. The transaction was funded using XXXX XXXX linked to my Wells Fargo account. Once I realized the transaction was fraudulent, I immediately contacted XXXX XXXX ( Claim # XXXX ) and was informed that they could not retrieve the funds. I promptly reported the fraud to Wells Fargo ( Claim # XXXX ) and filed a police report. The police report is pending as it was filed yesterday XX/XX/year>. Despite this documentation, Wells Fargo denied my fraud claim on the basis that the transaction was authorized. This denial fails to reasonably consider that : The payment was induced through deception and fraud XXXX XXXX was used as a digital wallet intermediary The transaction involves a known moneytransfer scam pattern A police report has been filed I am requesting a formal reconsideration and supervisory escalation of this claim. I believe Wells Fargo did not adequately evaluate the fraud under consumer protection obligations, especially given the involvement of XXXX XXXX and the documented scam. I am seeking reimbursement of the disputed funds or a clear written explanation citing the specific regulation Wells Fargo relied upon in denying my claim. I have not received the denial notice letters from Wells Fargo or XXXX XXXX, as the situation just occured 4 days ago.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
My Chime bank account was charged a total of {$600.00} from an atm withdrawal that I did not receive funds from but still charged for. It did not dispense {$400.00} therefore I never received my money but was still charged for it. I have disputed with Chime and they are refusing to respond to the claim made on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MN

Complaint narrative:
I am disputing an inaccurate collection account from Smith Rouchon & Assoc. They are reporting an educational debt from XX/XX/year> as a new account opened only 5 months ago. I have attached 5 internal emails from XXXX XXXX XXXX XXXX ( XXXX ) confirming my registration occurred in XX/XX/year>. I attempted to resolve this through a XXXX dispute, but the agency verified these false dates as accurate anyway. This is an illegal re-aging of a debt to bypass reporting limits and artificially lower my credit score. I demand the immediate deletion of this inaccurate entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
On XX/XX/year>, a collection account from Fair Collections and Out was reported on my XXXX credit report with a balance of {$3200.00}. I disputed this account directly with the company and requested validation, including an itemized breakdown of the amount and proof of how it was calculated. The company failed to provide any documentation. Despite this, they continue to report and update the account. The balance is inaccurate and the reporting is inconsistent, showing {$0.00} amount delinquent while still reporting a balance. I believe this violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting deletion of this account if it can not be fully verified as accurate.

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 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
In 2025, my mortgage servicer, Mr. Cooper, falsely reported my mortgage payments as delinquent to the credit reporting agencies, even though every payment for 2025 was made on time and in full. A representative stated they changed my escrow amount and I was not notified of any changes. All of my payments are electronic from the XXXX XXXX XXXX XXXX in XXXX. My bank has supplied detailed records showing that all 2025 payments were sent and processed on time. Despite this, Mr. Cooper has continued to furnish inaccurate negative information about my account, which appears on my credit reports as late or delinquent payments. As a direct result of this inaccurate reporting, my credit score has dropped by more than XXXX points, and I have lost access to over {$40000.00} in available credit and credit opportunities due to adverse actions taken by other lenders. This has caused financial harm and limited my ability to obtain credit on fair terms. I believe this conduct violates the Fair Credit Reporting Act ( FCRA ) and the servicers duties as a furnisher of information, including the obligation to report accurate information and to reasonably investigate disputes. I am requesting that the CFPB require Mr. Cooper to : ( 1 ) fully investigate and correct the erroneous credit reporting for all affected months in 2025 ; ( 2 ) notify all credit bureaus of the corrections; and ( 3 ) provide me with written confirmation of the corrections and the results of their investigation. I have attempted to resolve this directly with Mr. Cooper and am attaching bank statements and payment records to show that my payments were timely and that the reported delinquencies are false. I am seeking prompt correction of my credit reports and any other relief the CFPB deems appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding a concerning and inappropriate phone call I recently received from a representative claiming to be the mediator between the county court of XXXX and acima During this call, I was informed that I was being sued. The tone of the conversation was alarming and felt unnecessarily threatening. No clear explanation, documentation, or prior communication had been provided to justify such a serious claim. This approach caused significant distress and confusion. I find this method of communication to be unprofessional and unacceptable. Any legitimate legal matter should be communicated through proper written notice and with full transparency, not through abrupt and intimidating phone calls. I respectfully request the following : Written clarification of any alleged account or legal issue associated with my name Verification of the legitimacy of this claim Assurance that future communications will be handled in a professional and appropriate manner If this call was made in error or does not reflect an actual legal matter, I expect confirmation of that as soon as possible. Additionally, if this type of communication continues, I will consider reporting the matter to the appropriate consumer protection agencies. Please treat this matter with urgency. I look forward to your prompt response and resolution. They gave me a claim number XXXX and stated that the claim will be filed with the legal court and that I will be due legal fees and it will go on my public record. I stated do they have a copy of the original creditor to validate the contract and they stated no I asked were they a law office or debt collector they stated no. I have never been in this situation so I decided to pay them {$270.00} but then stated it may be a scam and went against it because it showed a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint Against Capital One Account Suspension After Full Payment I am filing a complaint regarding my credit card account with Capital One. I received a written notice stating that if a payment was not made within 60 days, my account would be at risk of being closed or sent to collections. Based on this notice, I made a payment in full to bring the account current and avoid any negative action. Despite making the full payment, my account was subsequently suspended, and I no longer have access to it. I believe this outcome is unfair and misleading. The notice I received implied that making a payment would prevent further negative action. I acted in good faith by paying the balance in full, yet my account was still restricted without clear explanation. I am requesting the following : - A detailed explanation for why my account was suspended after full payment was made - A review of my account for possible reinstatement as a goodwill adjustment - Clarification on how this account is being reported to the credit bureaus I would like Capital One to provide a written response addressing these concerns and to fairly review my account status given that I fulfilled the requested payment condition. Sincerely, XXXX XXXX XXXX # ending XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NC

Complaint narrative:
As I stated in the previous complaint against XXXX I am having a problem with Chime. I was told at first that I had to pay XXXX to XXXX and the Chime said I also had to pay XXXX to them. At first, I thought that it was because of the first transfer not being pulled back in time, however I realized that if I hadn't pulled it back in time, I wouldn't have been able to send it the second time on the corrected email. I asked them several times to explain to me why I owe them the XXXX and really didn't get a straight answer. It was on the XXXX time that they denied my dispute that I found out that it was because XXXX disputed the transfer of the XXXX to them ( Chime ) and they ended up paying the money to XXXX, WHICH XXXX never told me that information and made me believe that I still owed them the XXXX. I asked if they had done any investigation on this and when they responded no, I was furious and I asked why nobody is having my back. They are looking at this again and I asked about the police report and why they didn't have that report and they said that it was my responsibility to get it to them. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Between XXXX and XX/XX/2026, my checking account was charged a total of {$310.00} in overdraft fees across XXXX separate transactions. These fees were triggered by a cluster of recurring payments ( including XXXX, XXXX, XXXX, and other subscription services ) that processed around the same time and caused a single negative balance event. Instead of treating this as one financial occurrence, Wells Fargo assessed multiple overdraft fees for each individual transaction. This resulted in excessive stacking of fees from the same underlying issue, significantly increasing the financial impact beyond the actual overdraft amount. I contacted Wells Fargo to dispute these charges and spoke with a supervisor on XX/XX/2026 at approximately XXXX XXXX. During that call, I submitted a formal complaint and was told my case would be reviewed and that I would receive a follow-up within a few days. After receiving no response, I contacted Wells Fargo again on XX/XX/2026. I was informed that a decision email had allegedly been sent on XX/XX/2026, but I never received this email. When I requested that the email be resent, the representative stated they did not have the ability to resend it and would need to contact the supervisor. As of now, I have not received any documentation of the decision or explanation of the denial. The only justification provided verbally was that Wells Fargo had previously reversed two monthly service fees within the past 12 months. This reasoning is unrelated to the overdraft fees I am disputing and does not address the issue of multiple overdraft fees being applied to what was effectively a single financial event. This situation reflects both excessive overdraft fee practices and a failure to properly handle and document a formal customer complaint.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My checking account with Capital One Bank has been frozen since XX/XX/year> due to multiple XXXX disputes filed by other users. Key facts : The account freeze/holds were placed because of XXXX transaction disputes. I have proactively contacted the bank multiple times, provided all requested documentation, explanations, and any supporting evidence. I specifically requested a clear timeline for when my funds would be released. The bank has not provided any firm resolution date or released the funds despite my cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: MD

Complaint narrative:
From XX/XX/year> through XX/XX/year>, I received approximately XXXX emails from XXXX XXXX regarding an alleged debt. These emails were sent frequently, often every other day, and caused distress due to the volume and repetition. This level of contact constitutes harassment under 15 U.S.C. 1692d of the Fair Debt Collection Practices Act. The company has also stated in its correspondence that the alleged debt is time-barred and can not be legally enforced. Despite this, they continued to send repeated collection emails. On XX/XX/year>, I sent a cease-and-desist request via certified mail instructing the company to stop all communication. According to postal tracking, the letter is still listed as in transit. On XX/XX/year>, I sent a follow-up email requesting that all communication cease and attempted to resolve the matter directly, including offering to settle prior to filing legal action. I have not received any response or acknowledgment from the company. I am requesting that the company : Cease all communication permanently Confirm that the account is closed Address the repeated and excessive communication practices I have documentation of all communications and am prepared to pursue further action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
Good morning. I was unaware of this debt ; I am a single mother, and I have been receiving calls, but I don't know whether they are legitimate or a scam. My understanding was that calls are not typically made for matters like this. I would like to know if this is real or a fraud. PleaseI need help before I send any of my information ; they are asking for many things and personal documents that should not be sent out. Could you please help me investigate this? Thank you.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
XXXX, XXXX, 2026 XXXX XXXX XXXX XXXX XXXX XXXX, SOuth Carolina XXXX Last ssn-XXXX Credence Resource Management RE : Fraud/Aggravated Identity Theft - Account-xxx I am aware that Social Security Number belongs to the Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18b U. S. C and being that Credence Resource Management is attempting to collect a debt from L the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U. S. C 3729-3733. Credence Resource Management It is also in violation of 18 U.S. C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments or paying on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 USC 1028A. This is a notice to Cease and Desist of all illegal activities, including reporting which constitutes collection activities. This is also Notice exercising my right to prevent the processing of my personal data By Credence Resource Management for the account opened listed above. Failure to remove the account in 15 days from my consumer report as requested will result in legal matters being taken and me turning Credence Resource Management into the FTC ( Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. In regards I am, XXXX XXXX Without Prejudice All Natural

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally froze my account for suspected fraud and has started an internal investigation that has no timeline and i can only be questioned or updated by calling daily and spending over an hour on the phone. I have done nothing wrong and its been nearly a month with no resolution and my funds being held. Ally also has my car loan and I cant pay it because they have me locked out so its now in collection after only a month and one payment not being made. I need this resolution to happen asap. Im not wealthy and live check to check so im in a bad spot because of this. I've escalated and begged and answered all the questions but it just keeps going

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