vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
Mohela took over my loans during the pandemic they lady was rule over the phone when I tried to set up my transfer of service to them. I told her I work for a non-profit an was told my student loans could be forgiven. I filled out the proper paperwork and submitted documents. Im still waiting for response an its been several years. Not to mention they have late payments when you can clearly see its been in deferment or forbearance for years and why would I be only late on two payments if its been in deferment or for balance for years? Not to mention, I didnt make the income at the time.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding ongoing issues with my mortgage account following loan reinstatement and the handling of insurance proceeds held in escrow. Although my loan was successfully reinstated after I paid a total of {$51000.00} to Shellpoints attorneys, XXXX XXXX Attorneys at Law, to bring the loan current, on XX/XX/XXXX, I later identified additional legal fees assessed after reinstatement that were not properly disclosed or supported with itemized documentation. After my account was brought current on or around XX/XX/XXXX, additional legal fees were assessed, including : 1. Approximately {$900.00} assessed on XX/XX/XXXX 2. 5 Additional total number of charges on XXXX totaling approximately {$990.00} 3. Combined total of approximately {$1800.00} These fees were not clearly disclosed in advance through written notice, email, or my online account in an itemized format. I became aware of the charges only after contacting customer service regarding unrelated account updates. When I later reviewed my payment history, I was able to confirm the " legal fees disbursed '' were posted to the account ; however, no clear explanation or breakdown was provided regarding the purpose, calculation, or contractual basis of these charges. On XX/XX/XXXX, I spoke with supervisor XXXX XXXX, who advised that these were residual fees for stopping the foreclosure. He further stated that itemized correspondence would be mailed to me explaining the fees assessed. To date, I have not received any such written correspondence or itemized breakdown for the fees assessed as " legal fees disbursed, '' especially since lawyers representing NewRez LLC/Shellpoint Mortgage informed me that these their itemized amount is what Is needed to get us out of foreclosure and bring our loan current. This situation has created a lot of undue stress due to constant mishandling of my mortgage loan/account and I am requesting a formal review and resolution of these issues Sincerely, 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 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am being sued by Portfolio Recovery for 3 accounts that are not owned by me. I have reported the accounts as fraud to credit bureaus and conveyed this to Portfolio. I am also aware of their reputation of a 3rd party, predatory debt buyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to purchase two items for {$45.00} from a merchant operating as XXXX XXXX ( identified in legal records as XXXX XXXX XXXX ). Immediately after authorization, the seller 's website used " dark pattern '' tactics to add two additional premium-priced items to my order without my consent, bringing the total to {$100.00}. I contacted the seller within minutes to cancel the unauthorized order, but they refused, falsely claiming it had already shipped. Return Compliance : The merchant eventually instructed me to return the items to a warehouse in XXXX XXXX, CA for a full refund. I followed these instructions precisely : Return Date : I shipped the items back via XXXX. Delivery Confirmation : XXXX tracking number XXXX confirms the package was delivered to the front desk/reception at the merchants specified address on XX/XX/year>, at XXXX XXXX. Merchant Bad Faith : Despite this proof, the merchant has repeatedly claimed they " received no proof '' of the return in our correspondence, even though I provided the tracking number and receipts multiple times. PayPals Contradictory Actions : I filed disputes with PayPal regarding this fraudulent activity. In a move that defies logic, PayPal issued a full refund for the unauthorized {$100.00} portion of the order, yet denied my claim for the original {$45.00}. Arbitrary Denial : Both amounts were part of the exact same order and were returned in the exact same tracked package. Ignoring Proof of Return : By denying the {$45.00} claim, PayPal is ignoring the same physical proof of return that they accepted for the larger refund. Facilitating Fraud : PayPals decision allows the merchant to keep my money for items they have already received back in their warehouse, as confirmed by Tracking+-+Receipt+Confirmation.pdf. I request that the CFPB compel PayPal to explain this inconsistency and honor their Buyer Protection policy by refunding the remaining {$45.00}, as the merchant is currently in possession of both the funds and the merchandise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Went online on XXXX Tried and found what I thought was a Loan service. Ended up being a fraud. Thinking I was registering for a loan. Was a way for them to funnel checks. To the tune of XXXX. On XXXX tried to log into my account. Was blocked. Called the number and they said that I had to go into a branch and see what is the problem. Now that my account is closed my direct deposits don't go through. For 2 weeks. Then had to make an appointment to see about my account. Meanwhile my paychecks are in Limbo. So today I open up my new account that they opened. It was locked. So I had to do the process again. Once I got my account opened, it was negative XXXX called customer service and they said that since I opened a new account before the last fraudulent check was cleared they carried it over to my new account that they opened for me. If XXXX from the XXXX XXXX branch would've said something about it I wouldn't have opened a new account before the last claim was completed. So now Ive been told that both of my direct deposits are on hold until this last claim is resolved. Once it's resolved my paychecks will be put back into my account. But it's been well over 10 days per their guidelines

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On Wednesday, XX/XX/XXXX at XXXX XXXX, I put my debit card into the Huntington Bank ATM machine XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX. I deposited a check for {$1500.00} into the ATM. The ATM froze for a few minutes. Then it finally unfroze and returned my debit care. I checked the next day and my funds didn't appear in my account. I double-checked the receipt and noticed that the funds were deposited into someone else 's account. This is extremely concerning. I went to the branch to notify them and they opened up a case for me. The following week, I called customer service and they informed me that the funds will be credited to my account by XX/XX/XXXX. Well, it is now XX/XX/XXXX and the funds still have not been deposited to my account. I need the funds ASAP because I need to purchase a flight for an upcoming business trip on XX/XX/XXXX. The longer I have to wait, the more the prices for tickets increase. This is extremely upsetting that I have to be punished for a mistake that their ATM machine made. I already provided my receipt to the bank, and the person who erroneously received the funds even went to them the day after the misplaced deposit was made and told them about it. So I understand what the wait is all about. I've been with Huntington for many years but I am going to switch to a different bank after this. It is unacceptable how they punish their customers for their own mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX The only transaction that was made that would seem suspicious is that I had to use my cash app card to get out of a parking lot that required you to pay before you left, the joy of travel ball. Other than that there is absolutely no reason to close my account. No gambling or illegal activity took place with me card. I wish to take legal action if my card is no reinstated or if I'm not able to make another cash app. I feel like I am being targeted. This is the second time I have had to take extreme measure because of false accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
You can not provide written proof that you have the LEGAL right to collect this debt Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no permission to report ANYTHING using my info pursuant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am being sued by XXXX XXXX for 3 accounts that are not owned by me. I have reported the accounts as fraud to credit bureaus and conveyed this to XXXX. I am also aware of their reputation of a 3rd party, predatory debt buyer.

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 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AL

Complaint narrative:
Full refund of {$240.00}, written confirmation that Chime violated Regulation E procedures by refusing investigation and hanging up, and preservation of all call recordings from XX/XX/year> with Rep ID # [ XXXX XX/XX/year> I called Chime to file a Regulation E fraud claim for {$240.00} sent via Pay Anyone to XXXX XXXXXXXX from XXXX. This was an illegal gambling operation in Alabama. The merchant instructed me to mislabel payments as " Gas/Food '' to conceal criminal activity. He took deposits but refused to provide cashout services for {$200.00} in winnings, then abandoned the platform XXXX. Chime Rep ID # XXXXrefused to file my Reg E claim, stating " Pay Anyone not covered '' which violates Reg E 1005.11. I was transferred to the fraud department who HUNG UP on me without taking a statement or providing a case number. Chime 's system previously flagged my screenshots of this merchant as suspicious, proving they knew the transactions were high-risk. Resolution requested : Full refund of {$240.00}, provisional credit per Reg E, written confirmation of Reg E violation, and preservation of all call recordings from XX/XX/year> with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: CO

Complaint narrative:
I am filing this complaint regarding collection activity by Firstsource Advantage involving a XXXX XXXX XXXX account that has been charged off. I received communication from Firstsource Advantage attempting to collect a balance of approximately {$13000.00} related to this account. However, I have also received communication from another collection agency, XXXX XXXX XXXX, regarding the same underlying debt, which raises serious concerns about duplicate collection activity and lack of clear ownership. At this time, I have not been provided with documentation sufficient to establish : That Firstsource Advantage is the current legal owner of the debt That it has authority to collect on behalf of the current owner The full chain of assignment from the original creditor The involvement of multiple collection agencies for the same balance creates uncertainty regarding : Who owns the debt Whether multiple parties are attempting to collect simultaneously Whether the debt has been properly transferred

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has continuously violated the terms and agreement of the Special Repayment Program since our enrollment on XX/XX/XXXX. And from that date, we have been receiving non-stop harassing phones calls even when our payments were made on time and for the allocated amount too. We have spoke to escalation to report the abusive behavior and even wrote into the corporate offices of Bank of America and still waiting for a response since 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
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I have legally changed my name and Chase refused to update it on my account. I have complete every request by the company to change my name on the account. Theyvare. Ot providing me bank statements with my legal name needed for government benefits. They do not have a office in my state/county or withing reasonable traveling distance. I have electronically sent them my divorce decree, legal social security card and driver 's license. I have also sent these documents by mail and now they wont even respond via secure message.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
Previous complaint never fully addressed and is sitting unanswered since XXXX. Loans have now been formally discharged but the damage is already done. I am entitled to all money I paid on both loans as they have now been discharged. Additionally I am legally entitled penalty for the continued reporting of bad information to which they " Mohela '' simply chose to keep erroneously reporting. I called to ask them to send the money I paid on the accounts but somehow their fuzzy math has hidden some of my payments.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the handling and outcome of a billing dispute associated with my XXXX credit card account. The transaction in question is a purchase made through Walmart.com in the amount of {$950.00} for a mobile phone. Upon receiving the item, it was immediately evident that it was not as described and suffered from multiple serious defects. Specifically, the phone exhibited : Significant physical damage upon arrival Severe battery drainage issues Unexpected shutdowns occurring randomly without explanation Due to these issues, I promptly attempted to resolve the matter directly with the merchant by requesting a return and refund. However, my request was declined, leaving me no choice but to initiate a dispute through XXXX. Despite providing this information in good faith, I was notified that the dispute was resolved in favor of the merchant. This outcome is deeply concerning, as it does not reflect the condition of the item received nor my legitimate efforts to resolve the matter appropriately. And even more concerning considering the Merchant 's very low buyer ratings and reviews on the Walmart platform. Even after providing photo evidence and documentation showing the issues with the item received from the merchant. Given that I have exhausted all reasonable avenues with the merchant, I am now seeking a formal review of XXXX dispute decision. I respectfully request that this case be re-evaluated, taking into full account the defective condition of the product and the merchants refusal to accept a return. Requested Resolution I am seeking one of the following outcomes : A reversal of the original decision, with the dispute found in my favor, or A full credit in the amount of {$950.00} applied to my account As both a long time and loyal XXXX Card cardholder, I trust that XXXX will review this matter thoroughly and fairly. Please advise if any additional documentation or evidence is required to support my claim. Thank you for your time and attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ Data XXXX violated Regulation F and the FDCPA by 'debt parking. ' They reported this debt to XXXX on XX/XX/year>, XXXX on XX/XX/year> and XXXX on XX/XX/year>, but did not mail a validation notice until XX/XX/XXXX, XXXX clear violation of the requirement to notify a consumer before credit reporting. Furthermore, the debt itself is invalid ; the original creditor 's own move-out inspection ( attached ) lists all walls as 'Good ' condition, yet they charged for touch-up paint and are now accruing interest on that fraudulent balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, discovered the willful erroneous and inaccurate credit reporting on my credit report by Summit A * R, Inc. ( Summit ). I disputed the reporting with XXXX, but XXXX did not provide any supporting information to this collection account from Summit but allowed it to adversely impact my credit. Around XX/XX/XXXX, I requested Summit A * R provide supporting documents to their claims. On XX/XX/XXXX, I finally received the supporting documents. The documents show the XXXX XXXX XXXX XXXX contract from XX/XX/XXXX for which a total rental fee of {$550.00} was charged and additional {$200.00} for deposit for a total of {$750.00} was authorized. A separate document also showed an invoice of {$140.00} on XX/XX/XXXX for tire service ( the charges were for 4 separate cars : a XXXX XXXX [ Vin ending in XXXX ], a XXXX XXXX [ Vin ending in XXXX ], a XXXX XXXX [ Vin ending in XXXX ], and XXXX XXXX [ XXXX ending in XXXX ] ). I did not rent 4 different vehicles and the invoice is also inconsistent with the collection amount reported. A separate document from XXXX XXXX XXXX XXXX on XX/XX/XXXX, almost 4 months after the alleged rental, suggest that {$390.00} is owed due primarily from repair costs, loss of use, and admin fee. There were no information to what repair or why I am responsible. Finally, a Customer Response form was enclosed stated that the car I rented was driven back to the rental location without any issue. Therefore, this collection reporting is inaccurate and must be removed from my credit report. If this collection account is not removed within the time allowed under FCRA, I will proceed with legal action against all agencies. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been trying to get XXXX benefits for Louisiana but keep getting XXXX. I have submitted documents as proof of the key provision state of Louisiana but still no change. We qualify as Louisiana is the home of record and I have provided proof. I will attach the documents here again. This is the 4th attempt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief