vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo still saying documents are legitimate. Lender approval of loan and dispersed the payment. None of this {$190000.00} was dispersed to XXXX or XXXX bank account. Wells Fargo has received {$65000.00} of overpayment for this property.

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 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IN

Complaint narrative:
I received notices that payments were due on my student loans serviced by MOHELA. In response, I attempted multiple times to access my account through MOHELA 's website in order to view my balance and make payments. When using the account recovery tools and entering my Social Security Number, the system returned that no account could be found. Because of this, I was unable to log in, access my loan information, or make payments online. I attempted to resolve this issue but was unable to gain access to my account. When I eventually contacted MOHELA on XX/XX/year>, I was informed that no account existed and that I would need to create XXXX. This was confusing, as I already had active student loans assigned to MOHELA, and their system had previously failed to locate my account. This guidance did not resolve the issue or provide a way for me to make payments at the time. At the time, I reasonably believed there was an issue with account recognition or setup rather than an active account requiring immediate payment, as the system indicated no account could be found. Once I was finally able to gain access to my account, I immediately brought the account current and paid additional funds beyond the past due amount. The delinquency reporting on my credit reflects this period where I was unable to access my account, rather than a failure or refusal to pay. I am requestion that this situation be reviewed and corrected.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
My vehicle was declared a total loss on XX/XX/year>. The outstanding loan balance at the time was {$17000.00}. My insurance company paid {$14000.00}, and my XXXX insurance provider paid {$2800.00}. These payments total {$17000.00}, which fully satisfies the loan balance. Despite this, Bridgecrest continues to report that I owe a remaining balance and has marked my account as past due. This is incorrect because the loan was fully paid through insurance and XXXX coverage. In addition, I made a payment of {$610.00} after the XXXX payoff amount had already been calculated. This payment should be considered an overpayment, as the loan had already been fully satisfied by the insurance and XXXX payments. I contacted Bridgecrest to request a payoff statement, transaction history, and explanation of the remaining balance, but they have not provided a clear or accurate explanation. I am disputing the accuracy of the remaining balance and the past due status on my account. The payments from insurance and XXXX should have fully closed the account, and any additional payment made after that should be refunded. I have attached supporting documentation, including the XXXX breakdown and insurance settlement, which clearly show that the loan balance was fully covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to formally request validation of an alleged debt currently appearing on my consumer credit reports and being collected by Resurgent Capital Services on behalf of LVNV Funding. This communication serves as my initial request for validation concerning account number XXXX. I want to be clear that I am not disputing this account at this time ; rather, I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to request proper validation of this alleged debt. I am requesting that Resurgent Capital Services and LVNV Funding provide comprehensive documentation sufficient to validate this debt. Specifically, I require a copy of the original agreement or contract bearing my signature, if such a document exists, which established the alleged debt. Furthermore, I request statements or records from the original creditor that clearly support the balance being claimed and show how it was calculated. This should include an itemization of any principal, interest, fees, or other charges that have been applied to the account. Given that LVNV Funding is listed as the current owner of this alleged debt and Resurgent Capital Services is acting as the servicer, it is imperative that you provide a complete chain of title or assignment documentation. This documentation should clearly demonstrate how LVNV Funding acquired ownership of this specific debt from the original creditor, and it must also establish Resurgent Capital Services ' legal authority to collect on it in my state of Illinois. A generic account summary or an internal record generated by either Resurgent Capital Services or LVNV Funding will not be considered sufficient validation. To properly validate this account, please also provide the original date the account was opened, the date of the last payment made on the account, and the date of first delinquency. These details are crucial for me to understand the history and current status of this alleged debt. Additionally, if required by Illinois law, please provide proof of your authority to collect debts within this state. Should you be unable to provide the requested validation and supporting documentation, I expect all collection activity to cease immediately. Furthermore, if the debt can not be fully validated as described, I request that this account be promptly removed from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) where it is currently being reported. Failure to provide sufficient validation raises concerns regarding compliance with federal consumer protection laws. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
Subject : Missing ACH Transfer USD XXXX Conflicting Statements Between Broker and Originating Institution Complaint : I am filing a complaint regarding a missing ACH transfer of USD XXXX sent on XX/XX/2026. Transaction details : Amount : USD XXXX Date : XX/XX/ 2026 ACH Trace ID : XXXX Originating institution : Lead Bank ( via XXXXXX/XX/XXXX ) Account holder : XXXX XXXX XXXX XXXXXX/XX/XXXX bank : Citibank N.A. Final beneficiary account : Interactive Brokers ( IBKR ) The originating institution ( XXXX, supported byXX/XX/XXXX) has provided a formal payment certificate confirming that the ACH transfer was successfully initiated and sent to Citibank N.A. No return or reversal has been received by the originating bank. However, Interactive Brokers states that : The deposit was returned due to insufficient funds They provided a return reference number : XXXX They claim that my bank initiated the return Issue : My originating institution confirms that NO ACH return has been received. XXXX has NOT provided a valid ACH return trace number or official ACH return cXX/XX/XXXXe ( e.g., XXXX ). There is no verifiable evidence that the funds were actually returned through the ACH network. Concern : This creates a discrepancy where : The funds were successfully sent ( confirmed with trace ID ) The receiving party (XX/XX/XXXX ) claims a return The originating bank has not received any returned funds This suggests that the funds may be : Held within XX/XX/XXXX or its receiving bank ( Citibank N.A. ) Misapplied or unallocated due to account name mismatch Or that an ACH return was improperly reported without completion Requested resolution : Confirmation of whether an ACH return was actually processed through the ACH network Provision of the official ACH return trace number and return cXX/XX/XXXXe Identification of the current location of the funds Investigation into whether the funds are being held by XXXX or Citibank as unapplied funds This is a serious issue involving missing funds within the U.S. banking system.

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
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I use reward points in purchasing an airline ticket that was cancelled by the airline- i asked for a refund - my money was refunded but the points ( over {$2000.00} worth ) were not - i called chase travel and credit card multiple times to find out why i did not receive the points - chase fraud investigated and said i used the points to buy gift cards and that i used my email to retrieve them. This is not true. I never received the points. In the past i have only used the points to transfer to united airlines to get tickets from XXXX back to the XXXX, because the united reward for tickets from XXXX was no longer reasonable, i used them instead to purchase a ticket on Turkish air ( which was cancelled because of the war ). I am XXXX XXXX XXXX retired eye surgeon with a credit score above XXXX with a long record of not being a thief. The points in question were never in my possession after the ticket was purchased- the request for the ticket refund was made by telephone with the chase travel department who promised they would be credited back to me. I think its possible that the theft may have been done by someone employed by chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of identity theft and have submitted a valid FTC Identity Theft Report. These accounts have already been removed byXX/XX/XXXXas fraudulent. However, they continue to report on other credit bureaus. Under FCRA XXXX ( 15 U.S.C. XXXX ), these accounts must be blocked and removed. I am requesting immediate removal and correction of my credit file.

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 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MD

Complaint narrative:
I am submitting this complaint to request a formal review of why I was excluded from the consumer redress paid in connection with the CFPBs settlement with XXXX. Based on my loan history and the conduct described in the Courts XXXX, I believe I should have been identified as an injured consumer entitled to receive a settlement payment. My student loans were serviced by Navient from approximately XXXX through XXXX, after I graduated from XXXX XXXX in XXXX. During that period, I was directed into repayment options that were not in my best interest, including consolidation into a higher-interest loan and other servicing guidance consistent with the wrongful practices addressed in the Order. The Order provides for redress to injured consumers identified by the CFPB, including borrowers who received discretionary forbearance on at least one loan eligible for an income-driven repayment plan during the relevant period, and requires Navient to help identify those consumers and their last-known locations. I contacted the settlement administrator to determine my eligibility and was informed that they were unable to locate a record for me, that there is no claims process, and that all eligible consumers had already been sent checks. That response does not resolve whether I was wrongly omitted from the population of borrowers identified for payment despite having been subjected to the very servicing misconduct described in the Order. Given the length of time Navient serviced my loans and the nature of the advice and consolidation I received, I respectfully request that the CFPB investigate whether I was improperly excluded from redress, explain the basis for that exclusion, and review my servicing history against XXXX records to determine whether I qualify as an injured consumer under the settlement terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: IA

Complaint narrative:
Woke up in the morning of XX/XX/year> to XXXX {$35.00} overdraft fees for our primary checking account. The fees state they were from XXXX - XXXX. Account was positive entire time, money transfer was initiated into this account on XXXX to ensure it would be positive. Fees brought us negative. Wells Fargo told us " their system won't allow us to refund any or partial overdraft fees because there was XXXX reversal XXXX months ago ''. Was told no when I asked for a supervisor or someone higher who could " override their system ''. No other resolutions or anyone to talk to were offered even when asked. I explained again that we ensured the account was positive and their fees brought it negative, but no offer of resolution or help from WF.

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 2026-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One sent me an email offering me to apply for a credit card without impacting my credit report. When I applied and didn't see the card I wanted in the XXXX approved cards. There was an offer to apply for the card I wanted. There was nothing that I saw or better a on screen notification that this will impact your credit report when I applied. I called Capital One and the representative said it is at the bottom of the page. I believe that this very deceiving. There should be a message when you select the card you want to apply for that you are leaving pre-approval and your credit will be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding my experience with Wells Fargo related to identity verification for a newly approved credit card. I was approved for a Wells Fargo credit card on XX/XX/2026. I was instructed to visit a branch in person to complete identity verification. I complied and went to a Wells Fargo branch located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. At that branch, I was checked in and told I was next to be assisted. However, the banker refused to assist me and stated they were waiting for another customer, despite me being present and next in line. As a result, I was not helped. I then went to a second branch and was told I could complete verification over the phone, which turned out to be incorrect. I made multiple attempts to resolve this issue, including additional follow-ups. As of XX/XX/2026, my account has still not been fully verified. I was recently informed by Wells Fargo that the process may take until XX/XX/2026. This represents a delay of over XXXX month since approval, despite my repeated efforts to comply with all requirements. I have already incurred a hard inquiry on my credit as part of this application, and I have spent significant time attempting to resolve an issue that should have been handled promptly. I am requesting : 1. Immediate completion of identity verification without further delay 2. An explanation for the failure of the first branch to provide service 3. A review of the inaccurate information provided regarding phone verification 4. Consideration of remediation for the time, inconvenience, and credit impact This situation reflects a breakdown in Wells Fargos internal processes and has caused unnecessary burden. I request prompt resolution.

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 2026-04-09 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/25 a charge of {$990.00} from the merchant XXXX XXXX was made. This was a contract I had with the merchant for guarantee services. Upon the contract date of XXXX months, the guarantee was a return on investment. After speaking with the owner/ceo I was granted a full refund as my contract was not fulfilled by the merchant. The merchant told me directly to dispute the charges on the credit card to receive full refund. I did that. Multiple times I have fought with the credit card company to issue the dispute. They have failed to dispute the charge and they keep closing my dispute. I have given them multiple documents of proof and they have refused to dispute the charge to the merchant

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
COMPLAINT XXXX : AGAINST PAYPAL , INC . Category : Money transfer, virtual currency, or money service -> Mobile or digital wallet Issue : Problem with a purchase or transfer -> Transaction dispute Narrative : Bad-Faith Deadlock & Breach of Stated XXXX-Day Timeline " I am filing this new, formal complaint to address a systemic administrative failure by PayPal, Inc. following their factually inaccurate response to CFPB Case XXXX XXXXXXXX on XX/XX/scrub> 2026. XXXX. The Mathematical Default : In a formal letter dated XX/XX/scrub> 2026, PayPal Executive Escalations ( XXXX XXXX ) stated that my account must remain locked for a XXXXday timeframe established by the card networks. ' PayPals own records confirm they indexed this chargeback on XX/XX/scrub> 2026. The Math : XXXX days from XX/XX/XXXX expired on XX/XX/scrub> 2026. The Violation : As of today, XX/XX/scrub> 2026, the 'appeal window ' has closed. PayPal is now holding my account hostage without any remaining regulatory or network justification. XXXX. Documented Administrative Failure : My bank, XXXX ( Account : XXXX ), finalized the resolution on XX/XX/year>2026. PayPal 's system did not open the case until XX/XX/XXXX. PayPal is using this self-inflicted XXXXday 'blind spot ' as a pretext to claim they 'have not received notification, ' while simultaneously blocking my right to close my account. Relief Requested : Financial : Immediate fiduciary credit of {$20.00} to resolve the indexing error. Administrative : Immediate closure of Case ID : XXXX ( XXXX-day window expired ). Privacy : Immediate and permanent closure of my account ( XXXX ) and deletion of all XXXX banking data ( Routing : XXXX ). ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Fees charged
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
XX/XX/year> I purchased a mobile home finance through 21st mortgage. I provided a blank check and signed the binding agreement to have bi weekly payments drafted from my checking account. Life happened and I had to file XXXX XXXX bankruptcy however my mortgage/home was never included in my XXXX XXXX plan. 21st mortgage obtained this information and have changed my payment process requiring my payment to be paid on the XXXX of each month. I have informed 21st representative they can't change my binding agreement just because they are aware of my bankruptcy. They email me, call me and my coborrower every single day. I have numerous emails and have blocked so many of their numbers until it's pathetic. I was sending payments through XXXX XXXX and XXXX XXXX and they have blocked it in which I didn't discover until I tried to pay XXXX mortgage payment. They are charging me a late fee after the first of the month for {$37.00} a it's all a hoax. I signed how I wanted to make payments and have to pay by mail in a money order form because 21st has blocked other methods. This is unethical against the law and defrauding customers with their scams

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I put a midi keyboard on sale on the XXXX marketplace. A lady named XXXX XXXX contacted me and said she wanted it. She said her son would meet me in the morning but she wanted to go ahead and pay me the {$120.00}. There is another facebook profile attached to hers, XXXX. Then I received an email, appearing to be from Cash App. XXXX The message said I received {$120.00} but needed to update my account to a business account because hers was a business account. So, I called the number at the bottom of the email. A man named XXXX XXXX answered. He said he was a supervisor for CashApp and his ID number was FDICXXXX. This is the number from the email : XXXX ( XXXX ) XXXX. He used another number as well : XXXX. He had me transfer {$500.00} from my bank account into my CashApp. Which I did. He then took me through steps to " update myaccount ''. He had me purchase XXXX and now my CashApp account is at {$0.00}. I didn't really understand and feel XXXX for following his instructions. He then asked me to transfer more money from my bank account for the TAXES. I told him no and asked him to please reverse the transaction. He refuses to reverse the transaction. I called my bank. They are aware of the scam.. I went into my CashApp chat and they alerted me that the email address was fraudulent.I called the CashApp company and explained what happened. They would not transfer me to XXXX.

Company response to consumer: Closed with explanation