vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am disputing a rental debt ( Account # XXXX ) from my former residence, The XXXX at XXXX XXXX. I have repeatedly requested debt validation, specifically photographic evidence of damages and itemized invoices from third-party contractors, as required by California XXXX XXXX XXXX. The debt collector, Columbia Debt Recovery XXXX ( DBA Genesis ), ignored my formal dispute sent on XX/XX/year>. The alleged damages ( minor carpet wear ) were caused by a structural defect a misaligned door that caught on the carpet which I had previously reported to the landlord. Under California law, this constitutes ordinary wear and tear or landlord maintenance responsibility, not tenant damage. Furthermore, the company withheld my security deposit and is now charging for a full carpet replacement without proving the carpet 's age or providing a pro-rated calculation. They have failed to provide any photos or evidence despite my multiple requests. They continue to add interest to this unverified balance in bad faith. I request that the collection be stopped and the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
Issue : Federal student loan XXXX buyback processing delay / failure to process Company : XXXX XXXX. of Education Complaint : I am submitting a complaint regarding a severely delayed XXXX XXXX XXXX XXXX XXXX XXXX ) buyback request that has been pending for over XXXX year without resolution. I have XXXX qualifying XXXX payments and well over XXXX months of qualifying public service employment. I submitted a XXXX buyback request in XX/XX/year> in order to receive credit for additional eligible months that would bring me to XXXX qualifying payments and immediate forgiveness. My account was placed in escalated status in XX/XX/year>. Since that time, I have received no meaningful updates, no timeline for resolution, and no indication that my request is actively being processed. Repeated attempts to obtain status updates have not provided any substantive information. Based on current XXXX buyback rules, I am eligible for forgiveness upon completion of the buyback process. However, due to ongoing administrative delays, my account remains in limbo. This prolonged delay is preventing me from receiving loan forgiveness for which I am already eligible. This situation constitutes a failure to timely process a federal student loan relief request and a lack of transparency regarding application status. The delay has now exceeded XXXX year, which is unreasonable for a program intended to provide relief to qualifying public service workers. I request that this matter be further escalated and resolved as soon as possible. Timeline : - XX/XX/year> : XXXX buyback request submitted - XX/XX/year> : Account placed in escalated status - XX/XX/year> Present : No resolution or meaningful updates This ongoing delay is causing financial uncertainty and undermines the purpose of the XXXX program.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifable or inaccurrate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
See : XXXX To follow up, the letter they sent regarding the $ XXXX monthly payment did not include a note that they were holding the funds and expected the mortgage to be brought current after 5 or 6 months. I previously attached a copy of that letter from Wells Fargo which proves it was not there. I am not submitting the complaint so Wells Fargo can respond then CFPB close the case. I am submitting so this can be escalated. Wells Fargo has caused hundreds of people to go through agony trying to save their homes and has not been held accountable.

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 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Tona Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received my first conditional approval letter for my refinance with this company. Nowhere on this letter did it state that there was an issue with me working as a processor on this transaction, nor did my XXXX notify me that this was a compliance issue. It also did not mention that the company did not allow section 8 rental income to be used to qualify, which seems to violate the Illinois Human Rights Act that prohibits discrimination of income source. On XX/XX/XXXX, I received an updated conditional approval letter. Again, nowhere on this updated letter did it state that there was an issue with me working as a processor on this transaction, nor did my XXXX notify me that this was a compliance issue, and nor was there any mention that section 8 rental income use was prohibited. On XX/XX/XXXX, I received a new updated conditional approval letter. It is on this letter that the mention that an exception is required for me, the borrower, being the processor on the file as well. This approval also shows that " Section 8 is not eligible in IL ''. I had my broker offer the following solutions to these issues : a ) Remove me as the processor on the transaction and have no processor ; b ) do not use the income from the unit with the section 8 tenant. On XX/XX/XXXX, I received a new updated conditional approval letter. The two exceptions were still present. My credit report expired on XX/XX/XXXX and I knew I would no longer qualify for this loan. Again, I had my broker ask that the solutions I presented earlier be used to overcome these issues. The lender failed to solve these issue and approve the loan based on these bogus exceptions. Several other employees of this broker that I used for this transaction, and have worked for, have processed their owns loans with theLender or simply been removed from the file if they felt it would be a compliance issue. For my file, they seemed to dislike how I advocated for my file, decided to be vindictive instead of professional, and discriminated against my loan by not allowing the same leeway for this exception that they allowed for other borrower/processors. Additionally, there should not have been a need for an exception for the use of the section XXXX tenant income because that income was not necessary for the transaction and it is illegal, from my understanding, to discriminate against the use of section 8 income. My credit report has expired, I no longer qualify, and theLender failed to delivery on closing this loan due to bogus, illegal, and vindictive conditions added at the last minute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am reporting unauthorized transactions on my bank account totaling approximately {$17000.00}. I reported the fraud immediately, and the bank has already opened a fraud investigation. However, despite this being a clear fraud case and my urgent financial situation, the bank has refused to provide a provisional credit, stating that the amount is too high and that I must wait 10 business days. This is causing severe financial hardship. I am a mother of XXXX children, and this situation is preventing me from paying rent and covering basic necessities at the end of the month. Under Regulation E, I understand that financial institutions are required to provide provisional credit within 10 business days while investigating unauthorized transactions. I am requesting immediate intervention to ensure the bank complies with Regulation E and provides at least a partial provisional credit while the investigation is ongoing.

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 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: NV

Complaint narrative:
I rented and returned a car from XXXX XXXX on XX/XX/year>. On XX/XX/year>, I received a bill for {$600.00} for alleged damage. I am filing this formal complaint against XXXX and Viking Client Services regarding an alleged rental damage claim in the amount of {$600.00}, which I dispute in its entirety. Despite multiple written disputes sent via certified mail, neither party has provided competent, verifiable evidence establishing that I am liable for the alleged damage. Instead, I continue to receive collection communications and settlement offers, which appear to be based on an unsubstantiated and speculative claim. To date, I have not been provided with the following critical documentation necessary to validate this debt : Evidence that damage occurred during my rental period. Proof that I caused the alleged damage. A properly completed and contemporaneous Vehicle Incident Report. Timestamped photographs taken at the time of vehicle return. A renter statement or accident/incident report Chain-of-custody documentation showing the condition of the vehicle before and after subsequent rentals. Proof of actual repair and proof of payment for such repair. The only document provided a Vehicle Incident Report completed two days after the vehicle was returned is insufficient, lacks key identifying details, and does not establish liability. Additionally, the continued attempt to negotiate a reduced settlement amount further calls into question the legitimacy and evidentiary support of this claim. Under the Fair Debt Collection Practices Act ( FDCPA ), I have formally disputed this debt. Continuing collection activity without providing meaningful validation raises serious concerns regarding compliance with federal law, including but not limited to : Failure to conduct a reasonable investigation Misrepresentation of character and validity of the alleged debt. Continued collection efforts on a disputed account without adequate substantiation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
CFPB COMPLAINT STATEMENT Subject : Formal Complaint Denial of Access, Withholding of Services, and Failure to Provide Transaction Information Complaint : I am filing a formal complaint regarding a transaction involving XXXX ( formerly XXXX ) in which I have been denied access to my account, denied access to purchased services, and refused all information regarding my transaction. I made a payment in the amount of approximately XXXX $ for services through XXXX. Following this transaction, my account was abruptly blocked and locked. Since then, I have been completely denied access to : My order details My account information Any deliverables or services paid for Any meaningful customer support resolution Despite repeated contact attempts with XXXX customer support, I have received no resolution and no transparency regarding my transaction. Additionally, I have made extensive efforts to resolve this through my financial institution and card network, including multiple calls with representatives associated with XXXX XXXX and Wells Fargo. I was repeatedly denied escalation, denied access to supervisors, and provided inconsistent or incomplete information. I have documented the following : Multiple call reference numbers Names and identifiers of representatives Evidence of refusal to provide assistance or escalation Proof of payment Communication attempts with the merchant This situation has resulted in : Financial loss Complete lack of access to purchased services Significant time expenditure attempting resolution Emotional XXXX due to repeated obstruction and lack of accountability I am requesting the following : Immediate investigation into XXXX handling of my account and transaction Full disclosure of all transaction details and account status A complete refund of the amount paid Formal explanation for account restriction and service denial I am prepared to escalate this matter further, including legal action, if necessary. I have attached all supporting documentation. Third party merchant effected and affected is XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Authorized Representative on behalf of company is XXXX XXXX XXXX XXXX Number 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 2026-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mnet Financial Inc
State: NC

Complaint narrative:
They continue to call when I have asked repeatedly to stop the phone calls and did it again a week ago. When a third-party debt collector continues to call after you have specifically asked them to stop, they are primarily violating the Fair Debt Collection Practices Act ( FDCPA ). Depending on how they are calling and the nature of your request, they may also be in violation of the Telephone Consumer Protection FDCPA ( Cease Communication ) : Under Section 805 ( c ) of the FDCPA, if you notify a debt collector

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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
THey make it as hard as possible to go through the phone menu and they no longer provide customer service. It typically takes three representatives and a " supervisor '' and one hour to reoslve a simple issue that used to take 4-9 minutes. THey have repeatedly cut off my access to my own bank account by canceling my card despite no reason to cancel my card. I told the " supervisor '' 10 times that there was no fraud on my account and she said said she had no choice but to cancel my card. They don't allow you to speak, complain, explain and told me its a yes or no, its XXXX and white. They literally said those words. They know they have a lot of power to retaliate and disadvantage us. The representative was so creul that she did everything in her power to make sure to make me lose access to my account depsite that I have no money, cash, and insisted that she gave me options by using an alternative bank or credit card which was none of her business and even after I stated that I had no other card or money, she insisted three more times she gave me options which are not her place to suggest. I have a XXXX tank of gas, no money for groceries or emergencies, I may not be able to go see the cherry blossoms this weekend because I don't have cash. But that doesn't matter because there was no fraud. The customer service continues to decline and continues to retaliate and stonewall. Its very difficult to understand what point they are trying to prove.

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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I am filing a complaint regarding my credit unions refusal to credit losses resulting from a documented fraud by misrepresentation. I was the victim of an online advance-fee scam involving a fictitious puppy adoption and a fake logistics company operating under the name XXXX XXXX XXXXXXXX XXXX XXXX I sent funds only because of material misrepresentations. No goods or services were ever delivered, and the entity involved was not legitimate. I promptly reported the fraud, filed a police report ( XXXX XXXX # XXXX ), and filed an FBI Internet Crime Complaint ( XXXX ID : XXXX ). I also contacted Chime, which documented the fraud but stated it could not reverse the funds due to policy limitations, not because fraud did not occur. Despite this, my credit union ( XXXX ) denied reimbursement and stated the following : We are unable to intervene on your behalf for this transaction. This transaction was authorized and completed by cardholder. CHIME offers a Peer-to-Peer ( P2P ) payment service that XXXX is not affiliated with, and you would need to dispute the transfer made through this service with CHIME itself. These transactions are handled as if they are cash transactions. XXXX website specifically states, For all P2P transactions, make sure youre sending money to someone you trust and that their information is correct. Money usually moves to their account within minutes. Your account will not be credited. We encourage you to contact the merchant directly to resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Unauthorized withdrawals or charges — 
Company: Nelnet, Inc.
State: UT

Complaint narrative:
XXXX, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF EDUCATION NELN : XX/XX/XXXX -- -> XXXX -- -> : {$7300.00} DEPT OF EDUCATION NELN : XX/XX/XXXX -- -> XXXX -- XXXX : {$5700.00} DEPT OF EDUCATION NELN : XX/XX/XXXX -- -> XXXX -- -> {$2200.00} DEPT OF EDUCATION NELN : XX/XX/XXXX -- -> XXXX -- -> : {$6000.00} DEPT OF EDUCATION NELN : XX/XX/XXXX -- -> XXXX -- -> : {$6000.00} DEPT OF EDUCATION NELN : XX/XX/XXXX -- -> XXXX -- -> : {$2900.00} DEPT OF EDUCATION NELN : XXXX XXXX, XXXX -- -> XXXX -- -> : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I received correspondence from XXXX XXXX XXXX XXXX attempting to initiate foreclosure proceedings while my mortgage loan is in an active forbearance agreement with my servicer, Shellpoint Mortgage. Shellpoint has acknowledged that the foreclosure process was initiated in error. I have no contractual relationship with XXXX XXXX XXXX XXXX and dispute any assertion that I owe a debt to that entity. Additionally, the mortgage statement attached to the correspondence reflects delinquency for the period of XX/XX/XXXX through XX/XX/XXXX ; however, these are the same months during which my loan has been, and remains, in active forbearance. I, therefore, dispute the alleged debt with XXXX XXXX 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 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Re : APPEAL of Dispute Denial Loss of Compounded Membership Benefits Due to Unfair Treatment and Coerced Account Closure Account Ending in XXXX Reference : XXXX Dear Best Buy Credit Services Dispute Team, I am writing to formally appeal the denial of my billing dispute as communicated in your letter dated XX/XX/XXXX. I must respectfully but firmly reject your findings. Your response addresses the wrong issue entirely and does not reflect the actual harm I experienced the loss of compounded membership benefits I had built up over time as a loyal My Best Buy member, and the unfair and unprofessional treatment by a Citibank Escalation Manager that ultimately led me to end my relationship with Best Buy. Your Denial Addresses the Wrong Issue Your letter states that the {$170.00} charge was upheld because the subscription was not cancelled before renewal. I want to be absolutely clear : I am not disputing the renewal charge on the grounds that I wanted to cancel my membership. I had no intention of cancelling. I was a committed My Best Buy member who valued the benefits that came with that membership benefits I had been compounding and building over time. The renewal charge itself is not what I am challenging. The Real Harm : Loss of Compounded Membership Benefits As a My Best Buy member, I had accumulated compounded rewards, points, and membership benefits over time benefits that represent real monetary value earned through my loyalty and spending as a customer. When my account was closed, I lost all of those accumulated benefits. I did not simply lose access to future benefits ; I lost the compounded value I had already earned and built up over the course of my membership. That loss is the true injury I am raising in this dispute. Furthermore, I paid {$170.00} for a full year of My Best Buy membership on XX/XX/XXXX. That payment entitled me to twelve months of membership benefits. My account closure occurred mid-year, meaning I also lost access to the remaining months of membership I had already paid for. Retaining the full annual fee while delivering only a fraction of the promised membership period and none of the accumulated benefits is not a fair or acceptable outcome.

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