vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My complaint is against XXXX. In the month of XXXX, I paid an outstanding balance with them of {$150.00} by check. My check registry shows the date of the check as being written on XXXX XXXX, and I would have mailed out within XXXX hours. Also, in XXXX, I called to close my account as the company was charging me {$2.00} paper statement fees each month. I, as a customer, wanted to continue receiving paper statements, but did not want to be charged. Therefore, I decided to close my account : customer prerogative. 
So, as of XXXX, I paid everything owed, and had closed my account. Unfortunately, however, in XXXX, our family received yet another bill from Comenity by paper statement. This time saying that they had not received my payment until XX/XX/XXXX, and were charging me a {$30.00} late fee + {$2.00} paper fee + {$4.00} in interest charges! 
I made time in my morning to call customer service. After haggling with automation, I reached my first representative. After briefly describing my predicament, she let me know she could not help me. The only explanation given was that I had closed my account in XXXX. I asked for more help from a supervisor and was put on hold for XXXX minutes only to be disconnected. I called 3 more times. Two of those times for considerable lengths, and put on hold for a supervisor, only to be disconnected. On my XXXX call, I was allowed to speak with a supervisor who refused to help me citing I had closed my account. I stated the obvious fact that if charges can be put on the account, they can be removed and requested repeatedly they be lifted since I had written the check mid XXXX, and we all know holiday mail can be an issue. However, after being put on hold once again, I was disconnected on this XXXX attempt to resolve my issue. 
I have lost faith in this company, after receiving these additional charges, being told repeatedly I could speak with a supervisor, only to be disconnected. I want others to be made aware of what they could encounter in doing business with COMENITY, and am still seeking that these XXXX separate charges be waived from my account. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: AL

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against PayPal for permanently deactivating my account without providing a valid or specific reason, and for withholding my personal funds. 

On XX/XX/year>, I received a notice from PayPal stating that my account was permanently limited due to unusual activity that they cant support. No specific explanation, evidence, or examples were provided. I was not informed of what policy I allegedly violated, nor was I given any meaningful opportunity to appeal. 

PayPal is currently holding over {$150.00} of my money and claims they may keep it for up to 120 days or longer. This money belongs to me, and PayPal has not demonstrated that I engaged in any fraudulent, illegal, or prohibited behavior. I use my PayPal account for normal, lawful personal transactions. 

This practice is harmful, unfair, and deceptive. PayPal is using vague language to justify permanently disabling my account while holding my funds, without due process or transparency. This has caused financial stress and disruption. 

I am requesting : 1. Immediate release of my remaining funds 2. A full written explanation of the alleged violation 3. Proof supporting their claim of unusual activity 4. Reconsideration of the permanent account limitation Account Information : Name : XXXX XXXX Email : XXXX Phone : XXXX PayPal Account Email : XXXX PayPal Reference ID : XXXX Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am the Trustee of XXXX XXXX XXXX, the entity associated with a vehicle loan issued by Navy Federal Credit Union on or about XX/XX/year>. The vehicle was declared a total loss, and GAP insurance was applied to satisfy the remaining balance. Despite this, Navy Federal failed to provide full accounting of the payoff and continues to report a balance as if the debt remains unpaid. 
I have repeatedly requested accounting and documentation to confirm the application of GAP proceeds, but no correction or response has been received. This lack of transparency results in inaccurate credit reporting and possible violation of the Truth in Lending Act ( TILA ) and Fair Credit Reporting Act ( FCRA ). 
I am requesting that Navy Federal provide a complete itemized accounting showing the GAP insurance payment application and correct all related records to reflect a zero balance. Any inaccurate credit reporting should also be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding Wells Fargo Banks handling of a credit card billing dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 
I disputed multiple charges totaling {$9800.00} from merchant XXXX XXXX XXXX XXXX, posted on XX/XX/year>. The issuer denied my dispute primarily based on the merchants return policy. 
A merchants internal return policy does not override a cardholders statutory rights when billing errors, misrepresentation, lack of informed consent, or unauthorized charges are alleged. The issuer failed to conduct a reasonable investigation into whether the transactions were materially misrepresented or improperly authorized. 
Wells Fargo did not adequately assess whether the merchants documentation established informed consent, fair disclosure, or proper delivery of services. The investigation relied solely on merchant assertions rather than a balanced review of the facts. 
I am requesting that Wells Fargo be required to reopen and reinvestigate this dispute in compliance with federal law and provide a written explanation identifying the regulatory basis for any adverse determination. 
What resolution are you seeking Reinvestigation of disputed charges Credit to account pending reinvestigation Written explanation of findings

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 2026-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Ascent Holding Co
State: MN

Complaint narrative:
XXXX was an online coding bootcamp promising 'paid projects while you learn ' and ongoing classes, mentorship, and support. I signed up for their program in late XX/XX/XXXX ( I believe XX/XX/XXXX ), and received funding through a partner organization, Ascent Funding for over {$8000.00}. The company abruptly closed in XX/XX/XXXX, effectively ending the contract without delivering the services detailed in their contract. XXXX initially referred refund requests to the loan servicing companies, did not reply to emails sent to the initial address provided ( XXXX ), and it appears this email address and the domain are now inactive. The loan servicing company, Ascent Funding, has stated they are " waiting to hear more from XXXX '' when contacted in recent months. It seems they have no intent to forgive the loan, and XXXX appears to be unreachable. The company was owned by XXXX XXXX, who has also not responded to an email when attempting to contact directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: DISCOVER BANK
State: CA

Complaint narrative:
I am filing this complaint regarding a credit card billing dispute for returned merchandise where the merchant has refused to issue a refund despite confirmed delivery. 

I made an online purchase from XXXXXXXX XXXX XXXX XXXX  ( operated by XXXX XXXX XXXX ). I properly initiated a return using the FedEx return label generated by the merchants mobile application and shipped the item back. XXXX confirms the package was delivered and signed for at the merchants return facility. 

Despite providing the merchant with official FedEx proof of delivery, the merchant has refused to process the refund and has stopped responding to my communications. 

I have initiated a chargeback with Discover for returned merchandise not refunded. I am submitting this CFPB complaint to ensure the dispute is handled correctly and that I am not held financially responsible for a charge where the merchant received the returned goods. 

Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Order Number : XXXX XXXX Number : XXXX Return XXXX : XXXX Tracking Number : XXXX Delivery Date : XX/XX/year> at XXXXXXXX XXXX Delivery Location : Merchants facility in XXXX, Utah Status : Delivered and signed for ( XXXX Proof of Delivery available ) The merchants mobile app initially generated the return label, but due to a technical issue, the label temporarily disappeared from the app. The app has since been fixed and now again shows the XXXX and return details, confirming the return was validly authorized in the merchants system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I placed a pick-up order at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT for {$91.00}. I picked up the order myself and did not authorize any gratuity, as it was a carry-out transaction. However, when the transaction posted to my account on XX/XX/XXXX, the total was {$100.00}, representing an unauthorized addition of {$18.00}. 

I contacted Bank of America to dispute this unauthorized amount. On XX/XX/XXXX, BOA rejected my claim. When I called their customer service department, I was informed the claim was denied because I did not provide a copy of the original receipt. 

Under the FCBA, when a consumer disputes a billing error as an " unauthorized amount '' or requests " clarification/proof of purchase, '' the burden of proof lies with the merchant to provide documentation ( such as a signed receipt or digital authorization ) that the consumer agreed to the specific total. Bank of America has failed to provide me with any evidence from the merchant and is instead improperly placing the burden of proof on me to produce a receipt for a charge I never authorized.

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 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
CFPB Complaint Letter Freedom Mortgage XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am submitting this complaint regarding a late payment reported on my mortgage account following the transfer of servicing from XXXX Financial to Freedom Mortgage.

I have never missed a mortgage payment prior to this transfer and have consistently maintained a strong payment history. The late payment in question occurred during the servicing transition and was not the result of any unwillingness or inability to pay. 

On XX/XX/XXXX, shortly after my loan transferred to Freedom Mortgage, I set up automatic payments through their system and made payments to ensure my account remained fully current, including payments covering both XXXX and XXXX. These actions were taken specifically to maintain my account in good standing during the servicing transition. 

Based on my prior experience with automatic payments and my understanding of Freedom Mortgages system at the time, I reasonably believed that future payments would be processed automatically. However, due to confusion and lack of clear confirmation regarding the autopay setup during the servicing transfer, a subsequent payment was later reported as late.

Upon discovering the issue, I promptly addressed it. At all times, I acted in good faith, made timely payments, and took proactive steps to ensure my account remained current. This late payment does not accurately reflect my payment history or creditworthiness.

Freedom Mortgages system automatically transferred paperless settings from my previous account, which I never opted into for the new account. This contributed to confusion and the inaccurate reporting of a late payment.

I am requesting that Freedom Mortgage review this reporting and correct my credit report to accurately reflect my payment history, removing the late payment that resulted from the servicing transfer and autopay setup issue.

Thank you for your time and attention. I request a thorough investigation and correction of this inaccurate credit reporting.

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 2026-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened an account with citizen bank back in XXXX during that time there was a situation that occurred with my account leading me to call citizen bank advising something isnt right with my account because I was negative XXXX and something dollars. Well due to me making that report my account was closed down with no explanation on why, especially when it wasnt my fault. I was getting my checks deposited into this same account. I went yesterday XX/XX/XXXX to open an account with citizens bank, they verified who I was and accepted my XXXX check from Social Security XXXX. I am a mentally XXXX and no one seems to be helping me understand when I will get my check back and why they closed the account down on me. I have not committed any crimes and I dont needed to be treated like a criminal. This is how I feel while they hold XXXX of my funds from XXXX. I cant speak with anyone higher than a supervisor when asked. I was told the decision was made by the chairman of the board to close my account down. Why?? I dont know because Ive done nothing wrong! I want my check back immediately!!! I placed XXXX in the checking and XXXX in the savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I never had enough time to dispute transactions from several credit agencies like XXXX  and 2 other type credit agencies. I did not have access long enough to dispute them. You were suppos.ed to cancel these before the trail period so we called immediatly after the inital call and promptly cacelled them. But they act like we never did. We did in fact cancelled them. 
Also I checked my telecheck account and see where I was accused of Fraud by PNC bank. Nothing else. It does not say I was found innocent and the money was given to me by my bank. If they can destroy my credit account with these companies then they should let them know there was no fraud. Please help me I am not able to open an account with so far 3 different banks due to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: AZ

Complaint narrative:
XX/XX/year> is when they closed my account customer service said it will take 45 days to investigate for my remaining balance I waited it been months now and the customer rep said it was supposed to be mailed out the end of XXXX I attached everything all our conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
In XX/XX/year> I filed for a PSLF buyback request. I have XXXX months of qualifying employment, but have XXXX months of forbearance due to the SAVE program freeze. The DoEd states the processing time is XXXX days. My buyback request has yet to be processed. Instead the DoEd wants me to restart paying and accumulate another XXXX months of qualifying payments, bringing the total amount of work I perform towards PSLF to XXXX months. 

That is not the agreement that I made with the US Government. I have fulfilled my end of our arrangement, it is now time for the Federal Government to show some semblance of integrity and live up to their end of the agreement.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: WA

Complaint narrative:
I contacted the reprsentative at Rentrecovery solutions to try to get the account number and any other information on the false debt. The representative stated they could not find a file for me or any information on the debt they are reporting on behalf of XXXX XXXX in XXXX Oregon. 
The presence of this unverifiable account is causing financial harm and negativly impacting my credit profile. XXXX requesting that Rent Recovery Solutoins be required to properly validate the alleged debt or the account be removed from my credit report immedialtlly if it can not be verrified. I respectfully request the CFPB 's assistance in investigating this matterand ensuring compliance with federal consumer protection laws. Thank you for your attention to this issue. 

Respectfully XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX WA XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 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: IL

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 explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ASSOCIATED BANC-CORP
State: MI

Complaint narrative:
On XX/XX/year>, I submitted a written request to Associated Bank Loss Mitigation requesting temporary auto loan hardship assistance due to involuntary unemployment. I included documentation of my unemployment insurance income, including my benefit award letter and benefit amount. 

Despite this, Associated Bank denied my request citing no income. 

On XX/XX/year>, an Associated Bank representative contacted me and advised that unemployment benefits are still considered no income for hardship assistance purposes and that the decision was final and made by senior staff. 

My request was for temporary hardship assistance only ( forbearance or payment deferral ) through XX/XX/year>, or sooner upon re-employment, not a permanent loan modification. 

I believe Associated Bank failed to properly consider documented unemployment insurance income when evaluating my hardship request. I am requesting regulatory assistance to ensure my application receives a manual and accurate review and that documented unemployment income is appropriately considered for temporary auto loan hardship assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
The merchant initially authorized {$250.00}, which increased my card balance from {$1400.00} to {$1600.00}. 
XXXX item was later canceled, and only {$100.00} was posted. However, my card balance never decreased to reflect the canceled amount of {$140.00}. 
Apple Card XXXX Goldman Sachs refuses to investigate because the {$250.00} authorization did not post, even though the balance increase remains. 
I am requesting a correction of the card balance for the missing {$140.00}.

Company response to consumer: Closed with explanation