vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Klarna AB
State: TX

Complaint narrative:
I bought a phone with back market around XXXX and used Klarna as third party to pay for the phone they accepted and the full amount was {$630.00} around XX/XX/XXXX at the time I had a wells frago debit card that was used for this purchase. Couple months later I closed my wellsfrago account and then around we returned the phone successfully because it didnt meet the requirements that it said it has. Upon return the phone we supposed to receive refund from Klarna but nothing ever happen so we started texting them asking for the refund after couple weeks of going back and forth they refunded XXXX out of the XXXX and they keep saying the rest went to my bank account. I have clearly told them I spoke to the bank and they said the account had been closed for more than XXXX days so anything that tried to go inside the bank gets sent back. I told Klarna this but they dont believe me so they requested bank statements. So I got the bank statements and sent them over. They still needed more prove so they requested a letter from the bank. So I did just that I got the letter and sent it over. Ever since then its been a back and forth they need statements then the next email they will request letter back and forth for the past XXXX month and half. I requested to file a complaint against them they said they dont do that I asked to speak with a supervisor they said they dont cant do that it has come to a point I have to file the complaint through CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency XXXX XXXX # XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX  I am submitting this complaint to formally dispute the above-referenced account, which is currently being reported on my credit reports with XXXX, XXXX, and XXXX. I am requesting full validation of this alleged debt, as I have not been provided proof that this account is accurate or that I am legally responsible for it. 

I am requesting basic documentation to verify this account, including the name of the original creditor, the full account number, a detailed breakdown of the balance being claimed, any agreement showing my obligation to pay, and proof that this account was properly transferred to the current reporting or collecting party. 

This account is also being reported inconsistently across the credit bureaus, with conflicting balances and account statuses. These discrepancies raise concerns about the accuracy of the reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery Associates sent repeated automated text messages to my phone over a period of several months regarding an alleged XXXX XXXX Bank account. Between XX/XX/XXXX and XX/XX/XXXX, I received XXXX separate text messages, many of which were substantially identical in content. 

These messages consistently solicited payment, encouraged settlement, or directed me to online payment tools. The messages were repetitive, provided no new or meaningful information, and were sent as a pattern designed to pressure payment rather than resolve the accuracy or ownership of the alleged debt. 

At the time these messages were sent, the account was disputed and Portfolio Recovery Associates later admitted in writing ( in CFPB COMPLAINT ID XXXX ) that it relied on incorrect identifying information, including an incorrect Social Security number , when asserting that the account belonged to me. Despite this, the text messages implied a valid obligation to pay and encouraged repayment.

The volume and repetitive nature of these text messages constitute harassing and abusive conduct in violation of 15 U.S.C. 1692d. The messages also misrepresented the character and legal status of the debt and falsely implied that the debt was valid and accurately attributed to me, in violation of 15 U.S.C. 1692e.

Although the text messages eventually stopped, the prior conduct remains improper and unlawful.

I have attached a PDF text log as evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 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: Block, Inc.
State: AZ

Complaint narrative:
I have two cash app accounts both of the same name the same bank card attached to it just two different cash tags I transferred money out of my XXXX XXXX XXXX XXXX into a XXXX XXXX  account I moved that {$120.00} into my other account because I received that card in the mail first I tried to use the card the card would not activate I called Cash app ask them if they can move the money back into the account that originally came from because I for some reason had no access to that account now it kept saying that it doesn't exist and every day for over a week I have called in and they have not been able to do a one-time transfer of my funds from my one account back into my account that it came from it is clearly my money it didn't go into anyone else 's account there's absolutely no reason why I should not have my money they have refused to help me in any way they say they don't have any managers they told me they're going to escalate and then I'm going to get a email and none of this ever happens and I have been doing this every single day it is the same repeated process it takes only 7 days to create a habit now just think what that's doing to my mental health this is XXXX XXXX  and it's finest and electronical harassment on top of it because there's absolutely no reason that I should not be able to have access to my own money in my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: OH

Complaint narrative:
My XXXX account has been frozen for over XXXX years I have tried to get the money off my account and XXXX keeps giving me the run around nd saying wait XXXX days and nothing happens

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: ID

Complaint narrative:
on XX/XX/year>XXXX  I had an appointment with US BANK Branch in person to perform a name change, and to update my beneficiary on my checking and savings. I also have ( had ) an overdraft line of credit on my checking and also a credit card. I brought my documents for my name change and the banking associate scanned my documents for verification Two horrible things happened because i got married. 

1. I was told they had to close my checking line of credit to update my beneficiaries. I was upset about this and feel violated and discriminated as I should be able to change my beneficiaries on my checking account without closing my overdraft which impacts my credit score by lowering available credit.

2. Then on XX/XX/year> I got an email that now my credit card was cancelled with US Bank with no explanation in the letter and was informed they would be charging me a monthly checking fee as well since the credit card account is closed. I never closed my credit card! On XX/XX/year> I called the credit card line for help, the agent could not help me and tried to transfer me to a verification department. They never answered. I tried three more times on XXXX for help trying to find out why my credit card was closed. The verification department does not answer the phone after an hour on hold, then it just disconnects. This has a negative impact on my credit score as it lowers my available credit. Did they close my account because I got married? That seems to be unfair a violation of fair credit practices, do they discriminate against people who get married? I cant get help or an explanation.

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 non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
CFPB XXXX Narrative Failure to Conduct Reasonable Review of Medical Hardship I am a New Jersey resident and a long-time American Express XXXX XXXX member since XXXX ). I am submitting this complaint due to XXXX XXXX failure to conduct a reasonable, human review of my documented medical hardship and its reliance on automated decisioning that did not account for my actual financial condition. 

I have been on documented medical leave with no income since XXXX, XXXX. Knowing the seriousness of this situation, I proactively contacted American Express to prevent default, avoid excessive interest, and protect my credit. I requested a temporary hardship or forbearance arrangement and attempted to make a good-faith payment. 

On or about XX/XX/XXXX, I notified a customer service agent of my medical hardship, loss of income, and insolvency. I requested a XXXX bridge plan with a XXXX XXXX  monthly payment, explaining that I currently have XXXX income and no disposable funds. I also explained that prolonged phone interactions increase medical stress and asked for reasonable accommodation. 

I was informed that the terms of XXXX XXXX financial relief program are determined by an automated backend system based on account balance and can not be adjusted. I was told that my request could not be considered, even after clearly stating that the proposed automated payment amount of approximately {$62.00} per month exceeded my total income. 

I requested escalation to a supervisor and asked whether a hardship, loss mitigation, or medical review department could manually review my situation. I was repeatedly told that no such authority was available and that the terms could not be modified. After a disconnection during XXXX escalation attempt, I spoke with another agent who reiterated that no manual review was possible and attempted to redirect me to a third-party credit counseling service instead of addressing my hardship. 

At no point was my documented medical leave or zero-income status reviewed by a human decision-maker. All requests were evaluated solely through automated criteria, and I was denied access to any department with authority to override those criteria. 

To document my intent to cooperate and pay responsibly, I mailed a {$10.00} good-faith payment via XXXX Mail. I am not seeking debt forgiveness, only a temporary, reasonable bridge to prevent further harm while I recover medically. 

I am filing this complaint because American Express failed to conduct a reasonable review of my medical hardship, relied exclusively on automated decisioning, blocked access to supervisory or XXXX review, and provided no reasonable accommodation despite my proactive outreach and documented insolvency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was trying to buy a set of used sofa and was attracted by XXXX XXXX in her XXXX advertisement of a section sofa. As it is big, I hired someone with truck to pick up the sofa for me by XX/XX/XXXX. My helper XXXX loaded the sofa parts and I paid the seller {$650.00} via XXXX. My helper then delivered the sofa to me, but when I saw it I found there were mission parts -- XXXX button cushions were missing and this sofa is therefore not functional at all. We can not use it. 

I tried to message seller via XXXX and text message for the cushions but she never responded until today ( XX/XX/XXXX ). I called XXXX 's customer service, and they said they can not help with transactions not paying under " goods and services. '' But the XXXX rep said I should contact my bank, which is Wells Fargo, as the money was withdrew from Wells Fargo. 

I opened a claim with Wells Fargo but got denied as it is a transaction directly drafted from checking account. I do not feel it is fair for the situation that I'm facing -- I got scammed by a seller but can not get any help from XXXX or Wells Fargo.

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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
After filing a report against the bank they decided to close my account out of retaliation. Restricting my account first to make sure I dont access my own funds and telling me it would be closed without reason hiding behind policy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MO

Complaint narrative:
My student loan service provider, XXXX, has not provided me with a statement since XXXX XXXX XXXX. I paid {$250.00} a month for the past XXXX months. I can not get in contact with anyone to explain how their allocation of payments works or what would be best for me, the borrower. I'm also not confident they would share information that is best for the borrower. Most recently, my accrued interest went up {$250.00} in XXXX month, despite me only having {$20000.00} in principal and a XXXX  % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I returned a defective product to the company I purchased it from ( XXXX ) and received an email from XXXX on XX/XX/XXXX stating that I was being credited the full amount of {$430.00}. I faxed this to the credit card bank ( Synchrony Bank/PayPal ) on XX/XX/XXXX that I had used to make the purchase. I have spoken to XXXX at Synchrony Bank on XX/XX/XXXX and to XXXX on XX/XX/XXXX to request that my PayPal account be credited. My account has not been credited. I had initially disputed the charge back on XX/XX/XXXX alerting Synchrony Bank/Paypal that the product was not as advertised and that I was attempting to return it once I received the return shipping label. I faxed Synchrony Bank/PayPal the supporting documentation of my XXXX email contacts with XXXX trying to obtain a return label which I finally received on XX/XX/XXXX. The same day I shipped the item to XXXX via XXXX. XXXX reported the item was signed for and received on XX/XX/XXXX. I received the email from XXXX on XX/XX/XXXX stating that my refund was on the way.

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 2026-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
LoanDepot, XXXX is attempting to force me to pay my mortgage only by certified funds ( cashiers check ) even though that requirement is not a condition of my Note or Mortgage. LoanDepot has refused or threatened to refuse normal payment methods that are otherwise permitted under my loan documents. This conduct obstructs my ability to tender payment and is manufacturing a default. 

A recent payment issue was not caused by insufficient funds or any misconduct by me. According to my bank, XXXX, the item was rejected because Home Depot made unauthorized attempts to withdraw funds from my account, which triggered XXXX fraud-prevention controls. XXXX has stated it is willing to confirm this and provide documentation if subpoenaed in litigation. LoanDepot is using this event as a pretext to impose a certified-funds-only requirement without identifying contractual authority. 

I sent LoanDepot a written Notice of Error and Request for Information under Regulation XXXX  disputing the certified-funds demand, disputing any refusal of tender, requesting the specific contractual authority relied upon, demanding return of any unaccepted checks, and disputing any fees, delinquency status, or negative credit reporting arising from XXXX refusal to accept payment. LoanDepot has not timely acknowledged or responded. 

I am concerned LoanDepot will assess improper fees, declare the loan delinquent, and/or furnish negative credit information based on a delinquency created solely by its refusal to accept timely tender. I am requesting CFPB assistance to require LoanDepot to rescind the certified-funds restriction unless it can show clear contractual authority, accept and credit payments, reverse any fees or delinquency status created by its refusal, confirm no adverse credit reporting will occur, and return any unaccepted payment instruments promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name Bank Of America XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: OK

Complaint narrative:
I am experiencing financial hardship and can not afford my private student loan payments with Sallie Mae. I make {$42000.00} per year and owe approximately {$55000.00} in private student loans. Sallie Mae has stated that my monthly payment is {$630.00}, which I can not afford. 

I have called Sallie Mae multiple times to request hardship assistance or alternative repayment options. The only option they offered was a one-month forbearance while I attempted to find a solution. After that, I was told there is nothing further they can do. 

I also have federal student loans and an additional private student loan with another lender, making my total monthly student loan payments unmanageable. I have attempted to refinance but was denied due to my credit score ( XXXX ), income level, and lack of a co-signer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MD

Complaint narrative:
MOHELA repeatedly serviced failures on my student loan account. MOHELA has failed to properly calculate my monthly payments, issued inaccurate billing statements, and assessed incorrect late fees. In addition, I have received inaccurate, incomplete, and misleading information regarding my repayment options and eligibility for loan forgiveness programs. These errors have directly resulted in unnecessary delinquencies and the risk of default, not due to borrower negligence, but because of administrative and servicing failures on MOHELAs part. 
As a result of these ongoing issues, I have experienced significant emotional distress and financial hardship. The confusion and lack of reliable guidance have made it extremely difficult to manage my account responsibly and to make informed decisions about repayment and forgiveness options

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX Wells Fargo XXXX a payoff statement with wiring instruction the title company and XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX wired the funds to a verified Wells Fargo account that is on the payoff statement XXXX how owner notices mortgage is not paid off, calls Wells Fargo XXXX Wells Fargo claims that is the wrong wiring account and they have no record of generating that payoff statement. It clearly came from them and had that account on it. They say they can not apply the funds to the mortgage. They generate a new payoff statement good through XX/XX/XXXX and it includes mortgage and interest through that date. 

XXXX homeowner opens claim and case and still has not confirmed where the money is and when they are wiring it to the title company so they can resend it to the account. Wells Fargo will not confirm that the homeowner is not responsible for fees and interest past the day the money was wired - XX/XX/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