vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this correspondence as a formal consumer complaint regarding recent changes to Comenity Bank credit card agreements, including the increase of interest rates to 35.99 % APR and the imposition of a {$2.00} monthly fee for paper statements.

These practices raise serious concerns about fair lending, transparency, and consumer harm. Charging nearly 36 % interest while also monetizing a basic account service appears punitive, inflationary, and inconsistent with responsible banking standardsparticularly for long-standing, creditworthy customers.

The addition of a recurring fee for paper statements disproportionately impacts older consumers and those who prefer or require traditional billing methods, and it effectively penalizes customers for accessing their own account information. Combined with the excessive APR, this creates an unreasonable and exploitative cost burden.

As a direct result of these changes, I will no longer use any credit card issued or serviced by Comenity Bank, and I will avoid retailers that choose to partner with Comenity under these terms. I believe these policies undermine consumer trust and expose retail partners to reputational harm.

I am requesting that this complaint be formally reviewed and documented, and I am submitting the same concerns to appropriate consumer-protection authorities. I strongly urge Comenity Bank to reconsider these practices and adopt policies that reflect ethical lending, transparency, and respect for consumers. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: NJ

Complaint narrative:
I am writing to submit a formal complaint regarding late payments that have been reported on my student loans. These late payments occurred because all billing statements and payment notices were sent to an incorrect address, and I was never properly notified that payments were due. 

At no point was I aware that the servicer was attempting to collect payment, as I did not receive any correspondence, bills, or warnings about delinquency. I later discovered that the servicer had been sending this information to the wrong address, despite my correct address being available and on file. 

Because I did not receive proper notice, I was denied a fair opportunity to make timely payments. As a result, the reporting of late payments is inaccurate and does not reflect my actual intent or ability to pay. Had I received the notices, I would have made the required payments promptly. 

I am requesting that the CFPB review this matter and assist in ensuring that : The incorrect late payment reporting is investigated and corrected The loan servicer updates and verifies my correct contact information Any negative credit reporting resulting from this error is removed I have since taken steps to ensure my address is correct and that my account is current. I appreciate your time and assistance in addressing this matter and helping ensure fair and accurate treatment of borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: WA

Complaint narrative:
In XX/XX/year> I made an authorized purchase through XXXX using XXXX for {$880.00}. The purchase was for a XXXX XXXX. The original unit arrived damaged and was returned to the merchant through the XXXX in early XXXX. XXXX sent a replacement unit but did not deliver it within the promised timeframe. On XX/XX/year> I refused delivery at my residence due to the delay. The XXXX documented the refusal and subsequently returned the product to a XXXX warehouse. 

XXXX tracking from XXXX XXXX  shows that on XX/XX/year> the item was delivered to a XXXX warehouse in XXXX XXXX, NV, with no customer signature and no delivery to my residence. I never received or accepted the merchandise and XXXX has had the merchandise in its possession since XX/XX/year>. 

Despite this, XXXX never issued a refund and XXXX did not complete or enforce a refund. I attempted to resolve this through my bank ( XXXX ) but the dispute closed due to a bank communication failure ( encrypted rebuttal request inaccessible to me ) and not due to evidence from XXXX. 

XXXX XXXX XXXX policies require that when merchandise is not in the buyers possession and is returned to the merchant, the buyer must be refunded. XXXX has not enforced its merchant refund rules and has not assisted in resolving this transactional problem even though the merchant has the returned goods and I have no product. 

This is a clear transaction problem involving an authorized purchase where the goods were never received and were returned to the merchant without refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I never received any written billing or collection notice from XXXX XXXX before this account was sent to collections. Prior to placement, I contacted ECU Health by phone and was told that I could make minimum payments of {$25.00} to avoid collections because I am currently out of work. 

On XX/XX/year>, I disputed the alleged debt and requested validation, including confirmation the debt is mine, the amount owed, the original creditor, and proof that required written notice and dispute rights were provided. I submitted the dispute online and also sent it by certified mail, which was delivered on XX/XX/year>. 

Despite this, the collector reported and verified the debt with credit bureaus. The collector later claimed validation was sent by email on XX/XX/year>, but I never received it. To date, no validation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
I am a victim of identity theft and I am filing this complaint to address a summary judgment entered against me by Tenaglia Hunt, PA., on behalf of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This judgment, totaling {$7700.00}, is based on an account that does not belong to me. I never opened, authorized, or co-signed for this account. I have disputed this matter previously and submitted proof of identity theft, but no proper action was taken. Despite my efforts, Tenaglia Hunt, PA. proceeded to file a summary judgment against me. The account was reported without a valid permissible purpose, and I have not been given any proper verification or investigation into my dispute. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to block identity theft-related information under 15 U.S.C. 1681c-2, only report information with a valid permissible purpose under 15 U.S.C. 1681b, ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ), and conduct a proper reinvestigation when a dispute is filed under 15 U.S.C. 1681i. Tenaglia Hunt, PA. has failed to comply with these requirements, and as a result, my credit file contains an inaccurate judgment and account that I did not authorize. I am demanding the immediate removal of this account from my credit report, the dismissal of the summary judgment, and the correction of any co-signer error that may have contributed to this issue. This unjust judgment has been causing significant damage to my financial well-being, and I seek prompt and appropriate resolution. I request that the CFPB intervene in this matter to ensure the proper investigation and correction of this issue, as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: Nelnet, Inc.
State: ID

Complaint narrative:
This problem is with Nelnet 's handling of payments and tax forms for my direct student loan. My payment history shows that in 2025, only {$100.00} of my payments went toward interest ; however, on my XXXX for 2025, Nelnet reported receiving {$200.00} in interest payments from me. My loan principal ( about {$4300.00} ) and interest rate ( XXXX % ) can not possibly accrue that amount of interest in a year. That means my tax form says I paid almost twice as much interest as my Nelnet payment records show. I need to get this resolved so that I can file my taxes. I have called and sent emails trying to get answers on this discrepancy. When I called Nelnet and was transferred to an XXXX XXXX, she said the tax form must have reported not only interest but also origination fees that I paid. But this was a direct federal loan consolidation, so there were no origination fees ( and the consolidation/loan origination happened XXXX years ago, not last year ). In addition, Nelnet is incorrectly applying my payments to interest. I make monthly payments of {$72.00}, and Nelnet is applying only {$1.00} of that to interest. That leaves unpaid interest on my account. I noticed this happening a few months ago and contacted Nelnet, and I was told it had been resolved. I have never paid less than the full monthly payment, on time, and yet this interest accrual problem continues to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
Refer to resolution in CFPB Case # XXXX. From Paypal " Our investigation revealed that, approximately XXXX month prior to the reported unauthorized transactions, there were login attempts from locations that do not align with your usual patterns. Additionally, several payments were processed during that same period. These irregularities confirm that a third party accessed and transacted on your Account ''. 

Paypal refunded half of the expenses but didn't cover all of the fraudulent cases during that time period. There were {$960.00} worth of expenses that they did not seem to review in this complaint. In particular transaction # XXXX in the amount of {$730.00}. Please re-review all fraudulent charges from the dates for this compliant. 

I have requested Paypal to review this several times since CFPB resolution and every time I call I get a different answer and then just an email that says it was denied. 

These transactions were confirmed with XXXX that they were from the same fraudulent apple account. I feel the issue is Paypal initially grouped all transactions into XXXX internal cases. It appears the first case was completely ignored in the refund process. I

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There were multiple checks put through my checking account with out my consent or authorization for months every month. When I finally caught it, I immediately called Wells Fargo and expressed to them that I had never written nor authorize any checks on my behalf to be put through my account they initiated a claim and closed my checking account even though this would put me in a farther more difficult situation. I agreed as the consultant advised this would be the best thing to do then they proceeded to open a new account based on the fact that my account had been compromised. I was told that the resolution would take up to XXXX business days for them to conduct the proper investigation. I followed up today and now I was told it would take not XXXX days but up to XXXX days I have asked to have a temporary credit of those funds in my account as I need to cover my essential bills, including my car payment, which is now past due as a result of these checks been cashed and make me short on these payments as well as my auto insurance policy. They have refused to credit me while they investigate. I find this to be a property handled on behalf of Wells Fargo and me being a lawyer Customer for almost XXXX years as I have multiple accounts, including a mortgage with them, this has significantly impacted me as I thought them being a reputable trustworthy financial institution would take the proper measures to protect me as a consumer and customer.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
They are trying to keep my money saying I can't access it for security reasons when they won't transfer it and they are stealing from me. They are also retaliating because they know they've been recorded and now they're trying to find an evil aspect around those who keep the funds when it is Grand theft because they were trying to keep over {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Now, I can go round and round with you and not get tired of this. If you want me to pay you more money guess what Im not. I paid you in a settlement and you shouldve had given that to the credit bureau from day XXXX. Im not going to pay you no more money for that card that I had because it was paid for in a settlement and I got proof of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I dont remember the exact dates. However they tried calling XXXX phone numbers thats not affiliated to me. However, they claim to have sent mail that I never received. I called them today to try & settle the account XXXX & the woman I spoke with was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am disputing interest charges applied to my Citibank XXXX XXXX XXXX card account due to lack of clear disclosure and misleading application of interest. 
I am enrolled in an automatic monthly payment of {$200.00} and have been making consistent payments in good faith. Despite this, I was charged multiple interest charges in the same billing cycle ( approximately {$130.00} and an additional ~ {$40.00} ). 
Citibank did not clearly disclose that interest would be applied in this manner. Had I been properly informed, I would have managed the balance differently. I contacted customer service multiple times, but Citi declined to provide a goodwill credit or partial refund. 
I am requesting : A credit or partial refund of the disputed interest charges Clear written clarification of how interest is calculated going forward Confirmation that my account will not continue accruing undisclosed layered interest I am a customer acting in good faith and seeking fair treatment and transparency.

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 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
This issue began when I received notice from XXXX Mortgage that my loan would be transferred to Truist Mortgage. I received and email from Truist stating it would receive a welcome letter by a certain date, the letter showed up days later then what was said in the email. Once I receive the letter, it outlined that I can go online and set up my account, I attempted to do so and was met with issues and ended up having to call Truist. They were able to set up the account for me and said I can pay online upon account setup. I then attempted to input my account information but received a message that stated they could not verify account ownership of a non Truist account and advised I call the mortgage servicing department. I did, talked with a Truist representative again and had them input my account information and make a payment on my behalf, XX/XX/XXXX. I assumed all was good but then 7 days letter received a notice that the payment was returned. I called back after receiving this notice and attempted to make another online payment, I was not able to. Truist attempted to make the payment for me again, 7 days later I received another notice of returned payment, XX/XX/XXXX. I called back after third time and talked to a representative, this time he had confirmed that account number that was on file was not correct and fixed the issue, XX/XX/XXXX. I then made two payments at that time, on XX/XX/XXXX. These payments were for XXXX and XXXXXXXX XXXX XXXX. I then received a letter in the mail on XX/XX/XXXX stating that because of the failed payments, Truist would only be accepting payments in guaranteed funds. I then have called and been transferred over 20 times trying to resolve this issue, each time having issues being able to contact someone from Truist. Truist operates there serving department from a 3rd party and states it takes XXXX to XXXX hours before a supervisor can call back. All calls have been recorded and I have asked the representatives to escalate issues multiple time and dont get any urgency. It seems that there is not one persons that handle my complaints or I can be in direct contact with. I encourage you to ask for the call history.

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 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was notify by the XXXX XXXX management back in XXXX XXXXhat there was account open with my info. I ve never opened a pay pal account under my info or the email address or home address they have on file. XXXX XXXX management is saying am in collection and now being sued for {$2300.00}. I've took action and notify indenitytheft government and also done a police report and sent that info over to XXXX XXXX management back in XXXXXXXX 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 non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NEXA Mortgage, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX we received an offer on our home. Asking price was $ XXXX, offer was $ XXXX. We accepted offer. Buyer had pre-approval from XXXXXXXX XXXX XXXX for full amount of home. With in a week we were notified that the buyer had applied with a different mortgage company, as well as a XXXX through XXXX XXXX. The new mortgage company gave the buyer the pre-qualification for $ XXXX, as the XXXX was the difference. This was done through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Officer NMLS # XXXX XXXX / XXXX ). Pre qual good through XX/XX/XXXX. We were asked for an extension from the original closing date of XX/XX/XXXX. We granted it. According to XXXX they were awaiting XXXX XXXX approval on XXXX. We gave them a new closing date of XX/XX/XXXX. XXXX asked again for a new closing date, she stated closer to the end of month and that will be it. We granted it again until XX/XX/XXXX. In which XXXX asked again for another extension, due to XXXX, Also stated she needed to update the buyers finances. We know the XXXX thing to be a lie as we had reached out to XXXX XXXX and all they could say was that it was approved. We gave the final extension until XX/XX/XXXX. We continuosly reached out to XXXX, who at this point to confirm all was good for closing coming up. XXXX is in XXXX I am in XXXX the home/my agent, the buyer/her agent are all in XXXX We were told YES! Up until 9 days before it was radio silence and minimal to no response at all from XXXX. Until XXXX her time, XXXX the rest of our time. The buyer was denied. 

Something happened. XXXX not sure exactly what, but remember the buyer was approved for full price originally from a different mortgage company with no XXXX loan. Minus that almost $ XXXX and she got denied, and we werent told until last minute. 

I would like for this to be looked into immediately. If it doesnt smell right, it isnt right! 

XXXX is with NEXA mortgage.

Company response to consumer: Closed with explanation