vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have two accounts with Resurgent, who purchased these debts I don't know about. They incessantly call, but when I call, they won't provide me with details of the debt. I believe this is from identity theft which I experienced last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MARINER FINANCE, LLC
State: DE

Complaint narrative:
Mariner finance is reporting to my mortgage company that I owe a debt that was discharged in a bankruptcy in 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received an alert from my Truist bank on XX/XX/XXXX that someone is using my debit card for {$470.00} and {$1.00} and they asked me if it is me and I instantly replied no it is not me and I called them and talked to them at the same time and they canceled my card and stop that transaction. Now after one month they denied my fraud claim and took {$470.00} out of my account which I never authorized. They sent me documents that someone made purchase online and they think I made this transaction but I never did that transaction. I went to XXXX in XXXX Va too but they did not help me at all. So I went to my bank and they also refuse to give my money back. I want my money back which the bank has taken out of my account unlawfully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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:
From : XXXX XXXX XXXX : CFPB Complaint ID ( XXXX ) : XXXX ( and related complaints ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX To : CFPB Follow-Up Additional InformationCc : XXXX XXXX XXXX ; MOHELA I am submitting additional information while the companys response remains past due. My federal student loans are currently being reported in in-school or in-school deferment status ; however, this status is incorrect. I am not enrolled at least half-time : * I am no longer enrolled at California XXXX University XXXX XXXX XXXX * My current enrollment at California XXXX University, XXXX is 3 units, which is below half-time enrollment. Under federal student loan servicing requirements, in-school status and in-school deferment apply only when a borrower is enrolled at least half-time. Therefore, my current loan status is inaccurate. This incorrect status is preventing : * Processing of my Income-Driven Repayment ( IDR/IBR ) application * Application of the one-time IDR account adjustment * Evaluation of my qualifying payment count and forgiveness eligibility I am requesting the following actions : 1. Immediate correction of my loan status to repayment 2. Retroactive correction of any period where in-school status was applied in error 3. Immediate processing of my pending IDR/IBR application upon correction 4. Confirmation that this error will not delay or interfere with my IDR account adjustment review Given that the companys response is already past due, I formally request escalation and supervisory review. This status error is materially impacting my federal repayment rights and must be corrected without further delay. Please confirm receipt and resolution in writing. Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: King of Credit Financial, Inc

Complaint narrative:
Dear Consumer Protection Office, I am writing to formally submit a consumer complaint regarding additional charges imposed during a vehicle rental in XXXX, Colorado. I rented a vehicle through XXXX XXXX XXXX for the period of XX/XX/XXXX to XX/XX/XXXX. All mandatory fees, taxes, and required insurance coverage were fully paid in advance while I was still in XXXX, at the time the reservation was confirmed. The total amount was charged to my credit card prior to my arrival in the United States. However, when I arrived at XXXX XXXX XXXX to pick up the vehicle, I was informed that I would be required to pay additional fees and insurance charges in order to proceed with the rental. I explained that all required coverage had already been prepaid, but I was told that the vehicle would not be released unless I accepted the new charges. Because I arrived late at night and had no reasonable transportation alternative available at that time, I felt compelled to accept these additional charges under pressure. For this reason, I believe these charges were improper and may constitute an abusive or deceptive practice, since all mandatory costs had already been paid in advance. I respectfully request assistance in reviewing this situation and support in seeking the removal and refund of the additional charges applied to my credit card. I am available to provide supporting documentation, including reservation confirmation, payment receipts, and credit card statements, upon request. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal repeatedly rejects linking my XXXX XXXX account despite the bank confirming the account is active and allowed to link with thirdparty services. I have bank confirmation emails attached. PayPal agents have refused to escalate to Security/Linking investigations or provide internal error/hold codes, upstream bank response codes, or a case/ticket ID. This prevents me from using my PayPal account for normal transactions. Theyve blocked human escalation in the app PayPals automated assistant will not connect me to a human or accept a secure message ; it returns Were currently experiencing an issue transferring you to a customer support agent. My XXXX XXXX account is being rejected when I try to link it despite XXXX XXXX confirming the account is active and able to link. I have XXXX XXXX confirmation emails and screenshots showing the PayPal assistant repeatedly failing to transfer me to support

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: WA

Complaint narrative:
I owe a bill of {$1200.00} to my former school, XXXX XXXX. I was unaware of this situation and reached out immediately upon finding out to settle it with the college. They said there is absolutely nothing they can do about it because it went to collections. Williams & Fudge contacted me about the bill saying that they want {$2900.00}. I tried to negotiate but they refused, saying their client ( XXXX XXXX ) wont accept less, and XXXX & XXXX will only agree to a payment plan or full payment. I asked who owned the debt and they said XXXX XXXX. I reached back out to XXXX XXXX and they said they dont own the debt and its out of their hands. Neither side is willing to negotiate or be transparent and I think that it is unreasonable to pay a {$1700.00} markup to settle something that they refuse to negotiate on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
COMPLAINT 1 : PAYPAL, INC. ( CFPB # XXXX ) Narrative Update : " I am XXXX XXXX XXXX I am filing this supplemental evidence of Bad Faith and Regulatory Non-Compliance regarding Case ID : XXXX. 1. The 75-Day Violation : Your Executive Office ( XXXX XXXX ) confirmed in writing on XX/XX/year>, that this case follows a 75-day network window. Having been indexed on XX/XX/year>, this window officially expired on XX/XX/year>. PayPal is now in willful violation of its own stated timeline. 2. Documented Deception in Live Chat : On XX/XX/year>, I engaged PayPal support. When confronted with the expired XX/XX/XXXX deadline, Agent XXXX XXXX attempted to move the goalposts, claiming the window is actually 180 days. This is a fraudulent attempt to justify a 'Double Hold ' on my funds ( {$20.00} ) and my account ( XXXX ) after the legal window closed. 3. Intentional Obstruction : PayPal refuses to acknowledge the resolution finalized by XXXX XXXX ( Account : XXXX ) on XX/XX/year>. By refusing a simple XXXX XXXX XXXX and abruptly terminating the chat session today, PayPal has demonstrated a refusal to mitigate damages. Relief Requested : Immediate Release : Close the 'Under Review ' flag and allow immediate account termination. Financial Restoration : Issue a {$20.00} credit to settle the indexing error. Privacy Compliance : Confirm permanent deletion of my XXXX XXXX data ( Routing : XXXX ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This account is being reported as past due despite accurate and timely payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase bank on XXXX, XXXX, or XXXX XXXX : the charges that need to COME OFF because I did NOT DO THEM are : any charge from : HINT XXXX XXXX XXXX why are they still there? Chase tries calling me BUT I WORK FULL TIME AND have asked them time and time again to SIMPLY EMAIL me, BUT THEY WON't and my charges are STILL THERE. The interest accruing needs to COME OFF AND THOSE MERCHANGES NEED TO BE BLOCKED. My money needs to be refunded. I already gave them police reports, but it is still there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Attorneys USA LLC
State: NC

Complaint narrative:
I have been making consistent payments on this debt since XX/XX/XXXX. I am currently on a leave of absence, so I can only pay on my payday schedule. Despite my good-faith payments, the collector repeatedly calls and threatens to sue me if I dont follow their strict schedule. They only communicate by phone and refuse to acknowledge my payment plan. These threats are causing significant XXXX. I request that the agency review this matter for harassment and ensure the collector follows the Fair Debt Collection Practices Act. In NC the law states written and verbal agreements have 3 years of statute of limitations. I was advised this was from XXXX. No outreach has been made by mail, email or by phone from the original account holder XXXX. This law firm has not reached out with any form of written communications regarding this debt. The number and name of the company per the voicemails are XXXX and number is XXXX. I have threatening voicemails from the company and their skip tracers. They have exposed my debt to family members which is a violation of privacy. No collections has been listed on credit from XXXX regarding this. This is a violation of my rights. XXXX is also currently dealing with lawsuits regarding these concerns and harassment from these third party collection companies that state theyre a law firm. This is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo changed the terms on my checking account without notifying me. They said that they printed out the changes on the monthly statements, but since I selected paperless statements I didn't see those changes. I use online banking and don't check my monthly statements as all my activities are online. Because I rarely use this checking account, I never had a need to check it but every once in a while to make sure no fraudulent activity is occurring. I believe that recent changes have required banks to notify consumers in a separate letter if they are changing terms to their services. I get such notices from all the other banking institutions that I use, but I never received a separate notice from Wells Fargo. Therefore, I didn't take action until I'm four months in. It is because of these types of behavior that border on frauding the clients that I have left WF. I've closed all accounts other than this one, which is a joint account with my late husband. I still need it in the event that a check comes paid out to him. The greed is evident with this company. They are only willing to refund two of the four months that they have charged me. Being such a large banking institution, refunding me fully would not hurt them one bit. In fact, it probably would have kept me with them. However, this isn't the first time they have frauded me. As mentioned already, I am now at another bank because of their refusal to work with the clients. Wells always find ways to take your money from you. I have closed all my accounts, business and personal, at WF due to being cheated all the time. I have also closed my brokerage account as I don't want to be associated with this name any longer. I hope people will see that they don't have to be loyal to this brand anymore. There are way better banks than Wells Fargo to do business with, ones that actually care about the clients.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
* * Subject : * * Complaint Regarding Improper Forbearance Steering, Delayed IDR Placement, and Settlement Exclusion I am submitting this complaint regarding my federal student loans serviced by XXXX and my exclusion from both the XXXX and XXXX settlement-related relief distributions. From approximately XXXX through many subsequent years, I was repeatedly placed into forbearance by XXXX rather than being properly advised of or enrolled in income-driven repayment ( IDR ) plans. After an extended period of repeated forbearance, I was eventually placed into an IDR plan ; however, this occurred only after years of accrued interest and lost progress toward loan forgiveness. This prolonged use of forbearance significantly increased my loan balance and delayed my eligibility for forgiveness programs. Had I been appropriately guided into IDR earlier, I would have made meaningful progress toward discharge. In XXXX, I consolidated my loans into the XXXX XXXX program to pursue Public Service Loan Forgiveness ( PSLF ). Despite my loan history aligning with patterns identified in enforcement actions, I was excluded from both the XXXX XXXX settlement and the XXXX relief distribution. After contacting the Federal Trade Commission, I was informed that I was not included in the eligible population. Key concerns : * I was steered into long-term, repeated forbearance before eventually being placed into IDR. * My placement into IDR occurred only after years of financial harm due to interest accrual. * My loans are now over 20 years old, yet I continue to carry a balance. * I was excluded from settlement relief despite a servicing history consistent with affected borrowers. * I experienced gaps in communication, particularly during and after COVID-related changes and consolidation. I am requesting : 1. A full review of my loan servicing history, including the timeline of forbearance and eventual IDR placement. 2. A determination as to why I was excluded from settlement relief. 3. Consideration for corrective relief, including account adjustment, discharge eligibility review, or restitution. 4. Documentation supporting XXXX determination of my ineligibility. I have retained records of my forbearance periods and subsequent repayment history and am prepared to provide supporting documentation upon request. Thank you for your attention to this matter. Sincerely, XXXX XXXX SSN XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I have been making consistent payments on this debt since XX/XX/XXXX. I am currently on a leave of absence, so I can only pay on my payday schedule. Despite my good-faith payments, the collector repeatedly calls and threatens to sue me if I dont follow their strict schedule. They only communicate by phone and refuse to acknowledge my payment plan. These threats are causing significant XXXX. I request that the agency review this matter for harassment and ensure the collector follows the Fair Debt Collection Practices Act. In NC the law states written and verbal agreements have 3 years of statute of limitations. I was advised this was from XXXX. No outreach has been made by mail, email or by phone from the original account holder Acima. This law firm has not reached out with any form of written communications regarding this debt. The number and name of the company per the voicemails are XXXX and number is XXXX. I have threatening voicemails from the company and their skip tracers. They have exposed my debt to family members which is a violation of privacy. No collections has been listed on credit from Acima regarding this. This is a violation of my rights. Acima is also currently dealing with lawsuits regarding these concerns and harassment from these third party collection companies that state theyre a law firm. This is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
* * Complaint Against Bank of America and Myscore.com * * I am filing this complaint under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. Part 1005 ). Since XX/XX/year>, Myscore.com has been withdrawing {$29.00} monthly from my account without authorization. Under * * 15 U.S.C. 1693e ( a ) * * and * * 12 C.F.R. 1005.10 ( b ) * *, preauthorized transfers require written or similarly authenticated authorization. No such authorization exists. Bank of America failed to comply with : * * * 12 C.F.R. 1005.11 ( c ) * * ( reasonable investigation requirement ) * * * 12 C.F.R. 1005.11 ( d ) * * ( error resolution obligations ) * * * 15 U.S.C. 1693f * * ( mandatory investigation procedures ) Instead, the bank relied solely on the merchants claim that I did not cancel, which is irrelevant in the absence of valid authorization. This constitutes a failure to properly apply federal consumer protection laws. I request : XXXX. Full reimbursement of all unauthorized charges XXXX. Proof of authorization XXXX. A proper reinvestigation in compliance with EFTA Additionally, Myscore.com appears to be engaging in deceptive billing practices in violation of * * Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ) * *. I request immediate regulatory review and enforcement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: AL

Complaint narrative:
ABSOLUTE RESOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE RESOLUTIONS is a debt collector. They are falsely reporting on my credit!! Account number is 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against my bank because they charged me multiple low-balance fees of {$10.00}, {$15.00}, {$15.00}, and {$15.00}. The bank refunded only {$25.00}, but refused to refund the remaining charges. I believe these fees were unfair because this is the first time I have ever been charged this type of fee, and the bank increased the minimum balance requirement without properly informing me. I was not aware of the change, so I could not avoid the charges. I requested a full refund of the fees, but the bank refused. I am asking for help in recovering the remaining amount and reviewing whether the bank failed to provide adequate notice of the change.

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