vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am submitting this complaint to dispute a rental/lease-related collection account that is being reported on my credit report. I am requesting that the furnisher and/or collection agency investigate and correct or delete this inaccurate tradeline. 

This account is being reported inaccurately and/or without proper documentation. I dispute this debt and do not agree that the amount being reported is valid or accurate. I have not been provided sufficient evidence that I owe this debt, that the amount is correct, or that the company reporting it has the legal right to collect it. 

Issues with this account include : The debt has not been properly validated. 
The reporting appears inaccurate and is damaging my credit. 
The furnisher/collector has failed to provide documentation proving I agreed to the charges being claimed. 
If this is based on a lease, I am requesting a copy of the signed rental agreement and a full itemized breakdown supporting the balance ( rent ledger, move-in/move-out inspection, damage charges, notices, and any court judgment if applicable ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is the second time in one month that Chase Bank has held a deposited check for more than 10 days. One check was XXXX and the other was XXXX. The XXXX check was from a XXXX XXXX settlement that I had to litigate for 3 years to get. Then I had to fight with XXXX XXXX ( my mortgage holder ) over 60 days to get them to endorse it, now Chase wants to hold it from XX/XX/XXXX until XXXX. I am fed up with these institutions! 

I have multiple accounts and have literally had millions of dollars processed through them since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
The year account was opened my identification documents had been stolen also I was not opened by myself. I was living in a different state at the time account was opened.Theyre trying to collect {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
XX/XX/XXXX I filed a XXXX  XXXX bankruptcy due to a legal issue surrounding business. Around XX/XX/XXXX I had gotten the matter resolved. I then did a voluntary dismissal of the XXXX  XXXX. I immediately went to do a VA refinance on my house from a conventional loan. Lower interest rate and fresh start with my mortgage. From XX/XX/XXXX- Current, no payments have been reported to my credit report however I did make my mortgage payment to the XXXX  XXXX trustee. Theres a ledger that shows my payments. On the mortgage portal, it shows payments received but the mortgage company hasnt reported to the credit bureau. When I apply to refinance my mortgage, each lender has said the same thing that theres no reporting history in the last 12 months. Ive explained to each, the same story above. The non reporting is causing me to fall further behind because also once out of the XXXX  XXXX, the mortgage immediately attached arrears to my payment and said pay this XXXX then you can resume regular payments. Ive requested modifications, Ive requested to attached the XXXX on the back of the loan. If my payments were/ reported, XXXX XXXX is one that said that the non reporting to the credit bureau was/ is the only thing stopping my VA refinance. Im a XXXX XXXX XXXXXXXX veteran and I can afford a mortgage note but I dont have XXXX upfront. Please help me resolve this. I dont want to lose my home. I have no where else to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Hey my account was hacked last year around XXXX Ive been using it to save my sons funds and all of sudden I cant login chime said my email was changed and I could see funds leaving my account thru my number couldnt close the account or lock my card so they just took everything and Im trying to get a refund from chime when I called last year I wasnt able to get any help at all now there saying my account is closed and I cant get none of my funds that were stolen back and that they are sending me a check which takes 14 days to get here and its been way pass 14 days I just want my money thats all literal woke up one morning to my phone going off saying XXXX being taken XXXX being taken and I cant do nothing about it and they took forever to close my account should of been obvious that my account was hacked if they are consistently taking money off my account please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
XX/XX/XXXX Thank you for confirming that MOHELAs final response is past due. 
For the record, I note that the Department of Educations XX/XX/XXXX correspondence failed to address my XX/XX/XXXX Income-Based Repayment ( IBR ) application and relied on an incorrect requirement that I be currently enrolled in an XXXX plan, which is not required under the One-Time IDR Account Adjustment. XXXX doesn't show my correspindance for the XXXX XXXX. It shows on DOE website as received early XXXX XXXX. 
I appreciate CFPBs continued monitoring given the servicers nonresponse and the conflicting agency communications. 
Servicer nonresponse ( CFPB ) Agency misapplication of law ( DOE ) Ignored IBR applications Record integrity issues ( erased uploads ) Dear Federal Student Aid, I am writing to follow up on FSA Feedback Case # XXXX in light of a recent update from the Consumer Financial Protection Bureau. 
CFPB has formally notified me that MOHELAs final response is now past due in connection with my CFPB complaint. To date, XXXX has issued only form acknowledgment letters and has not provided any substantive response, qualifying payment count, or IDR Adjustment determination. 
Your XX/XX/XXXX letter did not address my XX/XX/XXXX Income-Based Repayment ( IBR ) application, which XXXX denied, nor did it address the fact that XXXX subsequently removed my uploaded IBR application from its portal. These omissions are material.

Because IBR forgiveness remains lawful and my consolidation and repayment history fall squarely within the One-Time IDR Adjustment criteria, I respectfully request supervisory review and correction of my account, including confirmation of qualifying payment counts and eligibility for forgiveness. 
I have attached the CFPB correspondence confirming MOHELAs overdue response for your records. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Financial Services
State: FL

Complaint narrative:
I am disputing the accuracy and completeness of an auto loan account being reported by CONSUMER FINANCIAL SVC. The account was opened around XX/XX/XXXX and is reported as closed and charged off. 

The account shows conflicting and unclear information, including an original balance of approximately {$12000.00}, a current balance of {$3000.00}, and a reported charge-off with {$1300.00} written off. The reporting is confusing and does not clearly explain how these amounts were calculated or why a remaining balance is still being reported after the charge-off. 

Additionally, the account continues to be updated as past due even though it was charged off in or around XX/XX/XXXX. I have not been provided documentation validating the remaining balance, a complete payment history, or clarification of how the charge-off was applied. 

I believe the continued reporting of this account is inaccurate or incomplete under the Fair Credit Reporting Act ( FCRA ), and I am requesting investigation and correction or removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
XX/XX/XXXX Thank you for confirming that MOHELAs final response is past due. 
For the record, I note that the Department of Educations XX/XX/XXXX correspondence failed to address my XX/XX/XXXX Income-Based Repayment ( IBR ) application and relied on an incorrect requirement that I be currently enrolled in an IDR plan, which is not required under the One-Time IDR Account Adjustment. Mohela doesn't show my correspindance for the IBR Application. It shows on DOE website as received early XXXX XXXX. 
I appreciate CFPBs continued monitoring given the servicers nonresponse and the conflicting agency communications. 
Servicer nonresponse ( CFPB ) Agency misapplication of law ( DOE ) Ignored IBR applications Record integrity issues ( erased uploads ) Dear Federal Student Aid, I am writing to follow up on FSA Feedback Case # XXXX in light of a recent update from the Consumer Financial Protection Bureau. 
CFPB has formally notified me that MOHELAs final response is now past due in connection with my CFPB complaint. To date, MOHELA has issued only form acknowledgment letters and has not provided any substantive response, qualifying payment count, or IDR Adjustment determination. 
Your XX/XX/XXXX letter did not address my XX/XX/XXXX Income-Based Repayment ( IBR ) application, which MOHELA denied, nor did it address the fact that MOHELA subsequently removed my uploaded IBR application from its portal. These omissions are material. 
Because IBR forgiveness remains lawful and my consolidation and repayment history fall squarely within the One-Time IDR Adjustment criteria, I respectfully request supervisory review and correction of my account, including confirmation of qualifying payment counts and eligibility for forgiveness. 
I have attached the CFPB correspondence confirming MOHELAs overdue response for your records. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-29 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: NV

Complaint narrative:
As part of securing this credit card, I was promised XXXX bonus points if I spent {$5000.00} within XXXX  days of receipt of the card. XX/XX/year> would have been XXXX  days. Nothing, so thought maybe they would credit me after the XXXX statement was paid on XX/XX/XXXX. Again, nothing. So I called, and without explanation, I was told the situation was being elevated, and expect an answer in XXXX business days. I waited XXXX, and thats all Im going to wait. Chase has already denied me a card without explanation, and without explanation within XXXX  days, but then decided to give me the card, again without explanation. Frankly, I feel Im being targeted, but can not image why. I should not have to sit around, yet again, and attempt to guess what Chase is up to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, I attempted to withdraw my PayPal balance, believing the funds were being transferred to my linked bank account. I was explicitly informed by a PayPal representative that the withdrawal had been cancelled and that the funds would be returned to my PayPal balance by the end of the day. 

This did not occur. 

After following up, PayPal informed me that the transaction could not be cancelled or corrected because it was allegedly associated with a former address on file. I escalated the issue to PayPals Executive Office. Despite acknowledging the issue, PayPal has stated they intend to issue a paper check to an address that is no longer valid, even after I clearly advised that this is not my current address. 

PayPal has refused to update the address, reissue the funds electronically, or provide an alternative solution to ensure I receive my money. As a result, my funds remain inaccessible due to PayPals internal error and miscommunication. 

This is unacceptable. I relied on PayPals direct guidance that the withdrawal was cancelled. PayPal is now attempting to send my funds to an incorrect address, despite being fully aware that the address is outdated. This creates a serious risk of loss and demonstrates a failure to safeguard customer funds. 

I am requesting CFPB assistance to require PayPal to : 1. Immediately return the funds to my PayPal balance or 2. Reissue the funds electronically to my verified bank account or current address 3. Cease attempts to send funds to an address I have confirmed is incorrect 4. Provide written confirmation of resolution PayPals refusal to correct this issue after executive escalation leaves me with no alternative but to seek regulatory interventio

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
I owned XXXX shares in genmark diagnostics. In 2021 the company was bought by XXXX. 
The shares were bought & I am told Citibank NA handled the transfer of funds. 
I have not received payment for my shares and despite contacting Citibank XXXX XXXX nobody is able to tell me where my money has been put. 
Please can you help me, it's a lot of money and I don't understand how they can just ignore my questions.

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 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VELO LAW OFFICE
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing the above-referenced account as it is being reported with materially false, misleading, and re-aged information in violation of the Fair Credit Reporting Act ( FCRA ). 
This account was previously reported as a rental-related collection. Rather than deleting the account after dispute, the furnisher has changed the creditor name and reclassified the account as an open collection attorney, now listing XXXX XXXX XXXX, without providing validation, proof of assignment, or legal authority to collect. 
Additionally : The date reported was updated to XX/XX/XXXX, despite the date of last activity being XX/XX/XXXX, constituting illegal re-aging. 
The account remains listed as open, with creditor classification marked as unknown. 
No original creditor is identified. 
The account continues to report despite being actively disputed and subject to prior CFPB complaints. 
Changing the name and classification of a debt instead of deleting it is a prohibited attempt to bypass the FCRAs accuracy and obsolescence requirements. 
Under 15 U.S.C. 1681e ( b ), 1681s-2 ( a ), and 1681c, this account is inaccurate, misleading, and unverifiable and must be deleted immediately.

I am requesting : Immediate deletion of this account from my Equifax credit file Written confirmation of deletion Preservation of records, as this matter may proceed to litigation if not resolved Failure to comply will result in escalation to the CFPB, State Attorney General, and legal counsel. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App closed my account without prior notice and retained {$200.00} of my personal funds then made me spend {$4000.00} in green statues that was way over limit but they made me spend to renew it everytime money was added. I was not informed of any violation before the closure and was not given an opportunity to withdraw my balance. After the funds were taken, customer support stated they could not disclose the reason for closure and provided no appeal process. 

This resulted in the permanent loss of my funds. I believe Cash App failed to provide adequate notice, failed to act in good faith, and improperly retained my money without justification. I am requesting the immediate return of my {$200.00} and {$4000.00} written clarification of the account action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We are a small business with a 40-year relationship with XXXX XXXX Line and XXXX XXXX XXXX, both of which send regular ACH deposits to our Wells Fargo business account. 

In XXXX, Wells Fargo notified us that our account was under review for suspicious activity. No fraud or wrongdoing occurred on our part, and no Fraud Prevention representative ever contacted us.

At Wells Fargos instruction, we opened a new business account. We were told that incoming ACH deposits would be redirected to the new account for up to 90 days while we updated our banking information with our customers. 

On XX/XX/XXXX, ACH deposits were returned, and we were informed the restriction had been removed. Shortly after, an {$8200.00} ACH deposit was received and captured by Wells Fargo but not made accessible to us. Branch staff stated the funds were restricted due to fraud prevention and would be transferred or mailed by check. No check number, tracking, or written confirmation was provided.

Despite no transactions on the new account, the fraud restriction was applied to it as well. We were instructed to close that account and open another new business account, incurring additional fees.

We visited multiple Wells Fargo branches and were repeatedly told the issue would be escalated. No follow-up occurred.

Two days ago, we informed the XXXX XXXX branch and a district manager that another ACH deposit was pending. We were told the back office would verify and release the funds per policy. This did not occur.

As of today : We have no access to operating funds An expected {$18000.00} ACH deposit is missing or unaccounted for Wells Fargo has provided no written explanation, tracking, or timeline for release of funds This has prevented us from paying business expenses and employees and has caused significant harm to our business. Despite repeated attempts, Wells Fargo has failed to resolve the issue or provide clear accountability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint against American Express for failing to properly investigate a billing dispute under the Fair Credit Billing Act ( FCBA ) regarding a charge of {$1200.00} from the merchant " XXXX XXXX '' in XX/XX/2025. 

Amex has sided with the merchant despite clear evidence of material misrepresentation and non-delivery of services. 

1. The " Bait and Switch '' ( Non-Delivery of Services ) : In XX/XX/2025, I purchased a 6-month advertising contract for the XXXX XXXX XXXX XXXX which included an agreement for approximately 10 leads per month. 

Breach of Contract : Less than three weeks into this 6-month agreement, XXXX announced they were terminating this specific product model in my market to replace it with a different model ( " Flex '' ), unilaterally voiding the 6-month term I had just purchased. 

Non-Delivery : During the brief three weeks the contract was active, XXXX failed to deliver the agreed service. Despite the target of 10 leads/month, I received XXXX leads. They collected {$1200.00} upfront for a 6-month service that was going to cost {$1200.00} per month they knew they were canceling, delivered nothing, and then refused to refund me.

2. Rebuttal to Merchants Defense : In an attached email dated XX/XX/2025, the merchant representative ( XXXX XXXX ) admits to " Flex changes '' occurring during my contract but falsely claims I am requesting a refund based on " campaign performance. '' This is a diversion tactic. " Performance '' implies the service was delivered but ineffective. That is not the case here. I received XXXX leads ( complete non-delivery ), and the merchant cancelled the 6-month contract I paid for to switch to a new platform.

I am not disputing because the ads " didn't work '' ; I am disputing because the service I bought was not delivered and was discontinued by the merchant immediately after taking my money.

3. Amexs Procedural Failure : American Express failed to review this evidence. Even worse, they mishandled the dispute process : Amex initially closed my dispute with the notation " Closed per Cardmember Request. '' This is false. I never requested to close the dispute.

This internal error forced me to restart the process by months. The entire process took nearly 7 months for them to decline my dispute.

When finally reviewed, Amex rubber-stamped the merchant 's " performance '' excuse without acknowledging the breach of the 6-month term or the zero leads delivered.

Under the FCBA, I am not liable for services " not accepted by the consumer or not delivered to the consumer in accordance with the agreement. '' Amex is attempting to enforce a debt for a voided, discontinued service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
Pennsylvania XXXX ( PT ) addresses that there is an on-going smishing scam and to report it to the XXXX Fed XXXX XXXX XXXX I was texted about a debt for tolls by some company called Harris & Harris. I went to the XXXX site PT said to go to and was re-directed here. I've been texted XXXX times now since in an hour. 

This is what the last text says : XXXX XXXX XXXX XXXX XXXX for Pennsylvania XXXX XXXX XXXX 

Balance : {$370.00} To Pay : https : XXXX /login? consent=true & logintoken= XXXX XXXX or call XXXX Reply STOP to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation