vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 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: VA

Complaint narrative:
I am submitting this complaint regarding ongoing servicing and credit reporting errors by MOHELA related to my federal student loan account. I am enrolled in autopay and have consistently maintained sufficient funds and made all required payments on time. Despite this, MOHELA has failed to properly process and/or apply my payments due to what appears to be internal system issues. This issue has been ongoing for approximately XXXX ( XXXX ) months. During this time, I have contacted MOHELA multiple times to report and resolve the issue. Each time, I was told that the matter would be reviewed or escalated, but no resolution has been provided. As of todays call, I was informed that there is nothing MOHELA can do other than submitting the issue to an internal team, and I was not provided any timeline for resolution. Meanwhile, MOHELA has reported my account as delinquent to credit bureaus for at least XXXX ( XXXX ) months. This reporting is inaccurate and has negatively impacted my XXXX XXXX, despite the fact that I have done everything required of me as a borrower, including enrolling in autopay and making timely payments. I have attached supporting documentation, including : Minimum payment details Account summary Payment history clearly showing that I have made all payments on time MOHELA Student Aid has failed to : Properly process or apply payments Correct known errors after being notified multiple times Provide a reasonable timeline for resolution Prevent or correct inaccurate reporting to credit bureaus This situation is causing ongoing financial harm, and I should not be penalized for errors within MOHELAs systems.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Company : Capital One Product : Checking or Savings Account Issue : Cashiers check / Funds not received I am writing to file a formal complaint against Capital One regarding their refusal to provide me access to my own funds following the closure of my accounts. Background : I held XXXX Capital One accounts ( XXXX and XXXX ) while residing and working in Virginia in XXXX. In XXXX I relocated to XXXX. Capital One subsequently closed both accounts on XX/XX/XXXX and XX/XX/XXXX respectively, and issued closeout cashiers checks mailed to my current address in XXXX. The Problem : Upon receiving the cashiers checks I discovered they are effectively impossible to cash in XXXX. As a non-U.S. resident living in XXXX, I do not have access to a XXXX bank account. XXXX banks do not accept XXXX cashiers checks. I am being denied access to my own legally entitled funds through no fault of my own. Steps I Have Taken : I contacted Capital One multiple times attempting to resolve this matter directly. I spoke with their management team who filed an internal complaint with their resolution department on XX/XX/XXXX. I requested that Capital One cancel the outstanding cashiers checks and reissue my funds via international wire transfer to my XXXX bank account a standard and readily available banking solution. Capital One has the ability to conduct international wire transfers and I was fully prepared to provide all necessary banking details to facilitate this. Capital Ones Response : On XX/XX/XXXX I received a Final Response from XXXX XXXX XXXX XXXX under Case Number XXXX from XXXX. While they acknowledged my difficulty cashing the checks and apologized for the inconvenience, they stated that since the accounts are already closed they are unable to send funds in any other manner. This response is inadequate and unacceptable. Why This Is Unacceptable : Capital One made the decision to close my accounts and chose to disburse my funds via cashiers checks mailed to an international address in XXXX. They did this without considering or offering any viable alternative for a customer living abroad. Their own account closure policy states that balances can be transferred to an external linked account yet they refuse to honor this option. The burden of their chosen disbursement method has been placed entirely on me as the customer, leaving me completely unable to access my own money. Capital One has a legal and ethical obligation to ensure customers can access their own funds. Issuing cashiers checks to an international address without offering a viable alternative disbursement method is an unacceptable banking practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I am submitting this complaint regarding Wells Fargos denial of a fraud claim involving {$9200.00} from my account ( Claim # XXXX, account ending in XXXX ). This matter has been mischaracterized as an authorized transaction based on billing address and ZIP code verification. However, this was not a legitimate transaction. I was the victim of an impersonation scam in which an individual posed as a Wells Fargo representative and manipulated me into transferring my own funds under false pretenses. On or about XX/XX/year>, I received a text message that appeared to be a Wells Fargo XXXX XXXX asking me to verify a transaction. I responded that I did not recognize the transaction. I was then immediately contacted by an individual claiming to be from Wells Fargo. This individual instructed me that my account had been compromised and directed me, step-by-step while remaining on the phone, to move funds to prevent overdraft and to allow Wells Fargo to reimburse me . Following these instructions, I transferred {$9200.00} from my account, ultimately sending the funds to XXXX XXXX. The funds were then transferred out of XXXX XXXX to an unknown destination without my knowledge or consent. At no point did I knowingly authorize a payment to a third party. I believed I was acting under the direction of Wells Fargo to protect my account. At the time of this incident, I was in a medically vulnerable condition. On XX/XX/year>, I was treated in the emergency department for XXXX activity and neurological symptoms. During this period, I required assistance with daily functioning, including medication management, and was not in a position to fully understand or evaluate complex financial instructions. This significantly increased my susceptibility to this type of fraud. Wells Fargos denial does not appear to have considered the impersonation scam, the use of social engineering, or my medical vulnerability. Instead, it relies solely on transaction authorization indicators, which do not establish that I knowingly authorized this transfer. I am requesting the following : * Reimbursement of the {$9200.00} * A full reinvestigation of this claim as an impersonation scam and unauthorized transfer induced by fraud * Review under applicable protections for vulnerable customers and financial exploitation I have attached a detailed timeline of events and supporting medical documentation. This matter involves clear fraud, and I respectfully request that Wells Fargo correct its determination and reimburse the funds. 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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Re : MCM Account Number # XXXX I am the XXXX XXXX XXXX XXXX Midland Credit Management , Inc. is attempting to collect on an alleged account that is not mine. I disputed this account. Despite that, Midland did not stop its collection efforts. This is not my debt. I want Midland to honor the law, immediately cease all collection efforts and communications directed at me regarding this account, stop any furnishing or reporting tied to this fraudulent account, and confirm in writing that it will not pursue me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
XX/XX/XXXX at XXXX XXXX an unauthorized person and new device login happened. I was unaware because I was sleeping. During this time someone was able to add money to Cash App from my card that was connected to my Cash App during this time I had already had XXXX dollars in the account. They added all together XXXX transactions involving my money from my card that was connected to my Cash App. There was an amount of {$41.00} dollars, {$110.00}, {$110.00}, {$110.00}, {$110.00}, {$110.00}, {$500.00}, {$300.00}, {$300.00}, {$500.00}, {$61.00} This amount equaled out to be XXXX and this is the amount I asked for back. I have never had this happen before and I have never had to file a complaint with Cash App. They have the capability to see a new device logged into my account and have the capability to track different devices so they should be able to see my device and the other device wasnt at the same location. Its very frustrating I had security things in place for this specific reason. The fact that someone was able to steal that much of my money from me is very disappointing. It was also tax money and issued to me from the government. I just want the money that was stolen and I will never use Cash App again. The transactions are noticeably fraudulent due to the amounts that were being taken in short periods of time. Also they know that the people that was being sent my money wasnt people I had sent money to ever in the past. They were random people I didnt know or ever used as a contact on Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
am submitting this complaint regarding my XXXX XXXX account issued by Comenity Bank. I financed a dental procedure for approximately {$3000.00} under a promotional financing plan. I made consistent, good faith payments and reduced the balance to approximately {$1500.00} prior to the promotional expiration date of XX/XX/year>. I was not clearly informed or did not fully understand that if the balance was not paid in full by the expiration date, interest would be applied retroactively from the original purchase date. After the promotion ended, my balance increased significantly to approximately {$3400.00} due to these retroactive interest charges. I have made every effort to responsibly pay down this account and was actively working toward paying it off. I contacted Comenity Bank to request a courtesy adjustment or settlement, and I explained that I am willing and able to pay the remaining {$1500.00} balance immediately if the excessive interest charges are reduced or removed. However, I was denied any assistance and was not allowed to speak with a supervisor during my call. I was told to call back in XXXX hours without resolution. I believe the terms and consequences of this deferred interest promotion were not clearly or transparently communicated, especially given the significant financial impact of retroactive interest. I am requesting that Comenity Bank review my account for a one-time courtesy adjustment to remove or significantly reduce the retroactive interest charges so that I may resolve this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: CT

Complaint narrative:
I am filing a complaint against Exeter Finance LLC for inaccurate and misleading credit reporting. This account was opened on XX/XX/XXXX, and is reported as charged off as of XX/XX/XXXX. However, the account continues to report monthly charge-offs ( CO ) throughout XXXX and XXXX, along with a continuously updated past-due balance of {$12000.00}. A charge-off is a one-time accounting event, yet this account is being reported as if it is repeatedly charged off each month. This creates a misleading and excessive negative impact on my credit profile. Additionally, the continued reporting of a past-due balance after charge-off appears to be duplicative and inaccurate. I previously disputed this account, and the company responded that it is accurately reported, without providing sufficient documentation or conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
I am filing a complaint against Nissan Motor Acceptance XXXX regarding improper handling and retention of funds related to my auto lease account. During my lease, a motor vehicle tax payment in the amount of {$240.00} was made on my behalf. The XXXX, Connecticut XXXX XXXX XXXX later returned this payment to Nissan on XX/XX/year> ( Check # XXXX ). I have verified through official documentation that Nissan received these funds. Nissan did not refund this money to me and did not notify me that the funds had been returned. As a result, I was required to pay {$110.00} in interest to the tax authority to resolve the outstanding tax bill. When I contacted Nissan, I was given conflicting explanations. I was initially told that I was not owed any money, and later told that the returned funds were applied to a balance I allegedly owed. However : My lease had been paid off and closed No documentation of any remaining balance has been provided No payoff statement or itemized account history has been provided I was never notified of any such balance prior to the application of these funds I have requested documentation multiple times, but have not received a written explanation or resolution. I am requesting : A full, itemized account history and payoff statement Documentation showing any valid balance allegedly owed Explanation of how the {$240.00} was applied Refund of {$240.00} plus {$110.00} in interest ( {$390.00} total ) if no valid debt can be substantiated Additionally, I have experienced unprofessional customer service, including representatives providing conflicting information and disconnecting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Trust Management LLC
State: KS

Complaint narrative:
XX/XX/year> I received a call from ( XXXX ) XXXX but did not answer because I didnt hear my phone ringing, upon me discovering the missed call I attempted to call back but received a number not in service message so I never bothered calling again because I assumed it was a spam call. Fast forward to XX/XX/year> my mom called me at XXXX pm and told me that some lady named XXXX XXXX from Global Trust Management LLC had called her about and said I need to make a decision on a judgement or they were going to proceed with the next steps. She gave me the number she called from and it was the ( XXXX ) XXXX number again. Once again when I called I received a not in service message. I then checked my spam folder in my email and saw that for months they had been emailing me but I wasnt aware of it because it had been going to spam, so I got their customer service number and called and had the pleasure of speaking with some lady based in XXXX, KS ( Forgot her name ) and at first she was pleasant and understanding but quickly turned into a very rude, condescending person and kept mentioning I need to pay my debts. I informed her that I am unemployed and will make payments soon as I find gainful employment but she didnt accept that. She insinuated that I was a criminal that committed fraud and kept vaguely mentioning that I signed a legally binding contract and failure to pay means I was stealing by not being about to pay. She also told me that she lived in XXXX, KS and that there are plenty of jobs hiring and that I just needed to apply to them. I hung up because she was rude and out of line and I called the company again and requested to speak to someone above her. When they transferred me to another employee it was XXXX XXXX and she put me on hold to get her XXXX on the line listening. XXXX XXXX was also very dismissive of the fact Ive been unemployed for a year and kept asking to either make a payment or they would take the next steps. I informed her again that I was unemployed and she said that was a refusal to pay and that they would be forced to take the next steps in the process. She hung up on me. Overall the experience Ive had with this company has been extremely poor and their employees are very unprofessional. They speak in vaguely language to try and intimidate people into settling debts and will talk down to you in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'Every disputed account must be resolved within legally prescribed time limits.'

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 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
Purchased auto XXXX XXXX Paid note on time from XXXX XXXX through XX/XX/year>. Borrowed {$12000.00}. Auto was wrecked on XXXX XXXX. Exeter wants {$13000.00} for payoff which is more than we borrowed. The monthly note was {$360.00}. XXXX months payments equal to {$2100.00}. InteresXXXX charged was {$1700.00} Principal paid was {$390.00}. How can we owe more than we borrowed? This is sub prime lending. I was unaware sub prime lending was even legal and I was not made aware of this when the auto was purchased. Please help me settle this. Exeter lending is taking advantage of people and should be stopped. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to XXXX XXXX code XXXX ( XXXX ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declre that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to XXXX XXXX XXXX ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: MD

Complaint narrative:
True Accord Attention needed on your unresolved balance of {$1200.00}. Hi XXXX, This email is to follow up on your past due XXXX XXXX balance. Take action and make the first step today. You can view your options below and even sign up for a payment plan that works with your schedule. Let 's take care of this together, XXXX. This account is a case identity theft, never belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: TN

Complaint narrative:
I contacted Rozlin financial group inc. and informed them the collection from mid Ohio behavioral health was a violation of the FCRA and state and federal law because I'm a QMB beneficiary and asked them to remove collection for {$690.00} from all XXXX credit bureaus. I disputed right after with TransUnion and I believe a rubber stamp was done because XXXX financial already was aware they couldn't collect/ and was violating state and federal law. The XXXX credit bureaus should also have known better for balance billing. Mid Ohio behavioral health laughed when I brought to their attention after they first claimed they excepted my insurance then gave me a surprise bill ( in appointment ) a year and a half later but since I'm a QMB beneficiary in TN ( state don't matter ) ; that bill should have never been sent to me or collection pulling my score down and Rozlin financial group inc. put negative remarks on all reports and threats of court to obtain balance. I disputed a XXXX. Time with XXXX and placed a remark concerning wrongful illegal collection. I'm sending letters to all XXXX credit bureaus ; attorney general in Illinois where Rozlin financial group inc. is licensed ; XXXX and XXXX ; attorney general ohio ; attorney general Tennessee ; CFPB ; FCRA ; mid Ohio behavioral health XXXX Ohio ; XXXX XXXX XXXX TN XXXX I asked for itemized list of charges but never received. I requested XXXX XXXX XXXX XXXX, TransUnion, and other bureaus to remove collection but now I have to go further. I'm 100 % XXXX and the state of Tennessee pays my XXXX. I'm on a advantage duel community plan and was told they ( mid Ohio behavioral health ) took my insurance and this billing error was exactly that ( a violation of state and federal law for billing and collection that has caused my score to plummet )!. I'm now fileing a complaint with the CFPB AND the FCRA and other state and federal agencies to protect my rights as a XXXX citizen and my rights under FCRA and CFPB. Please look into this matter and thanks for your patience, consideration and cooperation in this dispute.

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