vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: LA

Complaint narrative:
This complaint involves a separate and distinct account from a prior complaint I filed against Plaza Services LLC. This complaint is regarding a different account ( XXXX XXXX / XXXX XXXX XXXX XXXX, balance {$830.00} ) and should not be treated as a duplicate. I am filing a complaint regarding a collection account being reported by Plaza Services LLC in connection with an alleged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account with a balance of {$830.00}. I sent a formal debt validation request to Plaza Services via certified mail. XXXX records confirm the letter was delivered on XX/XX/XXXX at XXXXXXXX XXXX. Despite receiving my request, Plaza Services failed to provide any response for over four months. I did not receive any response until a letter dated XX/XX/XXXX, which is approximately 122 days after confirmed delivery. The documentation provided in their response does not meet the requirements of the Fair Debt Collection Practices Act ( FDCPA ). Their response consisted only of generic disclosures and partial account statements. They failed to provide : A signed agreement or contract bearing my signature Proof that I opened or agreed to the account Documentation showing Plaza Services has legal ownership or assignment of the debt A complete payment history from account opening through default A clear itemization explaining how the balance of {$830.00} was calculated The date of first delinquency used for credit reporting Because Plaza Services failed to provide both timely and proper validation, the debt remains unverified. Despite this, the account continues to be reported. If Plaza Services believes the documentation provided constitutes proper validation, I request that they specifically identify how the documents establish legal ownership, contractual obligation, and full balance calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding my account with Capital One ( XXXX XXXX ending in XXXX ) and the handling of my enrollment in a hardship program, which has resulted in inaccurate and unfair credit reporting. In late XXXX or early XXXX, I enrolled in a hardship program with Capital One. At the time of enrollment, I was explicitly informed by a representative that my account was current and that my new required monthly payment would be {$160.00}. I was further advised that as long as I made payments in accordance with the hardship program terms, my account would remain in good standing. Relying on this information, I made my first payment as agreed. However, when I attempted to make my next payment, I was informed that my account was more than 30 days past due. This directly contradicts the information provided to me at the time of enrollment. I contacted Capital One to resolve the issue, but they have declined to correct the reporting. This is concerning because I relied on their representatives statements when entering the hardship program, and I have remained compliant with the agreed payment terms. For additional context, I have maintained a perfect payment history with Capital One for over ten years and have never missed a payment. After learning of this issue, I even made an additional payment above the agreed amount in good faith. This situation appears to be the result of miscommunication or misleading information provided by Capital One at the time of hardship enrollment. Despite my compliance and good faith efforts, my account has been reported as 30 days late. I am requesting that Capital One conduct a full review of this matter and correct the 30-day late payment reporting, as it does not accurately reflect the circumstances under which the hardship program was established or my adherence to its terms. I am seeking a fair resolution and accurate credit reporting based on the facts of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
Request for Full Discharge of Student Loans Due to MOHELA Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by MOHELA due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. MOHELA misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, MOHELA has a history of misreporting my payment status to credit agencies, severely damaging my XXXX XXXX. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which MOHELA has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). MOHELA conduct has caused me significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and fair guidance. As a borrower who relied on MOHELA advice and entrusted them to manage my student loans be fully forgiven. Full Discharge of All Loans Held by MOHELA : Due to misleading guidance and unethical loan management practices, I respectfully request that all loans serviced by MOHELA be fully discharged. This will relieve the overwhelming financial burden that I have carried due to their actions. Refund of Excess Payments : Any payments made during periods of forbearance or deferment encouraged by MOHELA that lead to capitalized interest and inflated balances should be refunded. This would compensate for the financial damage caused by their misrepresentation. Credit Repair : MOHELA misreporting of my payment status has significantly damaged my credit score. As part of the resolution, I request that all adverse reports related to my student loans be removed or corrected to reflect the discharge and MOHELA misconduct. Proactive Financial Assistance : Due to the financial harm caused by MOHELA actions, I believe that offering credit counseling or financial assistance in rebuilding my financial standing would be a fair step toward restoring my fiscal health. MOHELA actions have left me and many others with unjust debt, and I hope the CFPB can help deliver a resolution that corrects these wrongs.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Eight days ago, I made a deposit of {$900.00} at a Wells Fargo ATM. The address is XXXX XXXX XXXX XXXX. This money was intended to pay my rent ; however, the machine was malfunctioningit accepted the cash, but the funds were never credited to my account. It has now been eight days, and the bank still has not provided me with a resolution. I have been evicted from my home due to my failure to pay rent, and the only response I receive from the bank is that the matter is " under investigation. '' I demand compensation for the damages this situation has caused me ; it is not my fault that their ATMs fail to function properlyaccepting deposits without subsequently accounting for themand that the bank refuses to take responsibility for the error.

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 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
I had an existing XXXX advertising account. The account was hacked. XXXX alerted me that the account was hacked on their end and " unauthorized ''. I immediately stopped payment on my saved form of payment, a XXXX XXXX. The problem is XXXX locked me out of the account that they acknowledge has been hacked. XXXX refuses to provide me any receipts, any contracts, any communication whatsoever. You can not get anyone on the telephone, they will not respond to any email, they will not even provide AI response. But XXXX is responding to my credit card company saying the charges are " valid ''. I want to resolve this dispute, but XXXX can not be permitted to charge consumers billions AND AT THE SAME TIME HAVE ZERO RESPONSE, ZERO COMMUNICATION, ZERO DISPUTE RESOLUTION CAPABILITIES.

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
Recurring monthly withdrawals were taken from my business bank account by a payment processor ( Cayan / Global Payments ) despite no credit card processing activity after XXXX. All actual payment processing was handled through a separate provider, with full transaction records and associated fees. The XXXX Payments account showed XXXX transactions during this period, yet continued to assess monthly fees, including minimum discount charges and additional service fees. These charges increased over time and continued through XX/XX/XXXX, including after a formal cancellation request submitted in XX/XX/XXXX and acknowledged by the company. I repeatedly over 1 years time requested a copy of the governing merchant agreement, an explanation of the continued billing, and a refund of improperly charged fees. The company has not provided the agreement or a substantive explanation. In addition, certain charges ( including PCI-related fees ) were assessed despite unclear or disputed compliance requirements and in the absence of any processing activity. This resulted in substantial fees being deducted from my account over multiple years without corresponding services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I deposited a check for payment from work I did on the side and they closed my account they said due to fruad activity I told them I didnt do any fruad I was paid a check a deposited it whats the problem I gave them all my info and everything and name on check and amount they still said due to reasons we can not disclose right now we are freezing your account and closing it I need my money now I have rent bills kids to take care of I miss XXXX because of this with my kids

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 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Valon Technologies, Inc.
State: NJ

Complaint narrative:
I was laid off on XX/XX/XXXX, resulting in a significant loss of income. On XX/XX/XXXX, I submitted a complete mortgage assistance application to my servicer, Valon Mortgage, a sub-servicer operating on behalf of XXXX. On XX/XX/XXXX, Valon confirmed receipt and promised a decision by XX/XX/XXXX. On XX/XX/XXXX, I received a denial via postal mail. The denial addressed only loan modification and stated I was able to continue making payments. No forbearance option was evaluated or offered. I submitted a formal appeal on XX/XX/XXXX, explicitly requesting forbearance or payment deferral in addition to any modification review. Valon sent an automated acknowledgment promising a response within XXXX to XXXX business days. No substantive response was ever received. I followed up again on XX/XX/XXXX, and again received no response. My loan is XXXX XXXX. I remain current on my mortgage but my reserves are nearly exhausted. I contacted XXXX XXXX directly on XX/XX/XXXX, and they have escalated the matter to the servicer. The servicer has not evaluated forbearance as a standalone option at any point in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
My wages might be getting garnish through a third PARTY for discovery credit card. I never received notice since I had moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am requesting that capital one debt be reviewed so that my credit can be updated. etc. i would like confirmation in writing once this issue is resolved. I have attached or can provide any supporting documents if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX 2026, I was the victim of a criminal impersonation scheme in which fraudsters posed as Chase Bank 's fraud department, kept me on the phone for XXXXXX/XX/XXXXand XXXX XX/XX/XXXX, initiating XXXX wire transfers totaling {$15000.00} from my Chase checking account. XXXX transfer of {$6000.00} was sent to a recipient named in attached file ; theXX/XX/XXXX transfer of {$9300.00} was sent to a recipient whose name is in attached file. Both recipients name, bank routing and XX/XX/XXXXnumbers are attached in file as well. At XXXXXX/XX/XXXXon XX/XX/XXXX, I received a text message from XXXX ( XXXX ) XXXX falsely identifying itself as Chase Bank, claiming a {$2000.00} XXXX payment had been attempted on my account. I replied " No '' as I had not authorized any such payment. XXXX XX/XX/XXXX later, at XX/XX/XXXX, I received a phone call from the same number. The caller falsely identified themselves as a Chase fraud department representative and kept me on the phone for XXXXXX/XX/XXXX and XXXX XX/XX/XXXX During that call, the criminal told me my account was being compromised and that I needed to cooperate with Chase to intercept and freeze fraudulent transactions. The caller knew my full name and account balance, making them appear completely legitimate. While keeping me on the phone the entire time, the criminal walked me through every single step of initiating wire transfers inside the Chase mobile app in real time. I had never sent a wire transfer before in my life. Under complete criminal instruction and control, and with no truthful information upon which any genuine decision could be made, XXXX wire transfers were executed from my account totaling {$15000.00}. I was told the money would be intercepted and returned to me. It was not. It went directly to the fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
received part due notice on credit card bill in XX/XX/XXXX. Charges were made in XX/XX/XXXX for {$89.00} and XXXX for {$79.00}. These charges were never authorized by me. I received a new card in XX/XX/XXXX and never activated it nor used it. I contacted Nordstrom XXXX on XX/XX/XXXX to file a dispute against the charges. I also closed the account at that time. I contacted them again XXXX XXXX, they said they never filed the dispute on the charges. A new dispute was filed then. On XX/XX/XXXX I received a letter saying they denied my dispute. Again, I never activated this card so no charges should have ever been processed! I contacted Nordstrom on XX/XX/XXXX and was told I can not talk to anyone any further on this as their decision has been made. I also confirmed with the agent that charges can't be made to outside vendors if the card has not been activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX @ XXXX, I contacted Navy Federal Credit Union after I reviewed my bank portal the day before. I realized my card had been Closed on XXXX. I spoke with a bank rep XXXX who told me the bank used a review of my credit report to make the decision to Close my account. I asked the rep if there was prior written information provided to me, she said it was mailed to me on XXXX the same day they Closed my account. I then explained to the rep I knew she didn't create the policies and asked her to review my credit card account which I have had for 8 years. She saw I only XXXX XXXX late payment and that prior to my job as a Federal XXXX was put on Pause XX/XX/XXXX, I kept my credit card Paid in Full or half of balance paid. I had made Navy Federal Credit Union I lost my job and placed on Pause and I wasn't offered any assistance. My concern is I have spoken to some six other people who have had their accounts, but four of them accounts were Closed for random reasons. Four of the six individuals that accounts were Closed are XXXX XXXX. The two white card holders credit cards were not Closed, but they had late payments at least once year, provided payments assistance, increased credit limit, and went over the limit credit usage several times and their accounts have not been Closed. I feel there are some unethical banking issues on behalf of Navy Federal Credit Union for Not implementing policies with prior notice and practicing discriminatory banking based on race. I understand this is a harsh accusations, nonetheless they are true events.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Makes Cents, Inc. dba Advance.Cash
State: RI

Complaint narrative:
Retrieved a loan in XX/XX/XXXX for {$1100.00}. Made 3 payments of {$290.00}. Paid {$1100.00} ( original loan amount ) on XX/XX/XXXX. This equates to nearly {$2000.00} on a loan of XXXX that was held for less than 6 weeks. Despite continuous requests to not call, email- this entity has harassed me continuously stating I still owe {$650.00}. I have asked multiple times that they do not call ( me or my employer ), text, or email and to only correspond via mail which they have neglected to do. I should not owe more on a loan Ive already paid double on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing this follow-up regarding my XX/XX/XXXXXXXX dispute to ensure that your agency is strictly adhering to the procedural requirements mandated by federal law during this active investigation period.I understand and acknowledge that Credit Reporting Agencies , in compliance with the law, must provide adequate time for creditors/furnishers to respond to a formal dispute. As mandated by 15 U.S.C. XXXX ( a ) ( XXXX ) and 15 U.S.C. XXXX ( b ), the furnisher has a maximum of XX/XX/XXXX days to complete their investigation. And in Strict Liability Violation under the Fair Credit Reporting Act ( FCRA ) Please be advised that this period is governed by strict mandates that your agency and the furnisher must fulfill : STATUTORY MANDATES FOR INVESTIGATION 15 U.S.C. XXXX ( Reinvestigation Duties ) : Your agency is mandated to conduct a meaningful reinvestigation to verify the actual source of the data. A mere automated verification through a third-party software ( e.g., e-OSCAR ) does not satisfy the " reasonable investigation '' requirement if the underlying data remains unverified. 15 U.S.C. XXXX ( b ) ( Duties of Furnishers After Notice of Dispute ) : Upon receipt of notice from your agency, the creditors are legally obligated to review all relevant information provided, conduct a thorough investigation, and report the results back to all nationwide consumer reporting agencies. 15 U.S.C. XXXX ( b ) ( Compliance Procedures ) : You are required to follow reasonable procedures to assure maximum possible accuracy. MANDATORY REMOVAL REQUIREMENT Under 15 U.S.C. XXXX ( XXXX ), if the furnisher fails to respond within the statutory timeframe ( typically XX/XX/XXXX days ) or if your agency is unable to verify the data through physical evidentiary matter, the law requires the immediate removal of the inaccurate/unverifiable information.

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