vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: T.S. Holdings
State: CA

Complaint narrative:
Iq data on XX/XX/year> this non licensed collection agency bought this debt I never gave permission to XXXXXXXX XXXX  to sell my information for XXXX they placed this on my credit I attempted to make payments they refused I thought this was the XXXX XXXX  it was not I later found out this was a non licensed collection agency also they are charging me XXXX when the apartment complexes never even discounted my deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
For XXXX from family and friends I got 3 XXXX XXXX gift cards {$100.00} - {$50.00} - {$25.00} all of them are active with the right balance that today I confirmed via phone call because their balance account site all time is showing error messages. Today I called XXXXXXXX XXXX and first called XXXX XXXX  a guy ( XXXX XXXX  ) didnt gave me his name I explained the problem then he hung up on me. I called again and machine said I used the time to talk with the and it was disconnected. I called again and a girl ( XXXX XXXX ) I explained to her and first she told me I was pre selected and they will have an {$100.00} gift card for free with a gift card that I can use in a list of places ( This type of cards has a big problems to use the gift cards and the money disappears before people use it ) I asked why and she said again I was pre selected, they asked for my email address, mail address because they will send it to my hose, I gave her the info. Then she said to fix the problems with the 3 cards she asked me for all my bank account information because they need to have direct access. I asked her why they need this information to fix the problems with the gift cards and she said again because they need to have a y to my account t to do it. I told her this is a scam and I and to make a complain with Consumer Financial Protection Bureau and she hung up on me. 
In the past if I had a problem with this gift cards they never asked for all my bank account because they need to have direct access.

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: Fraud or scam — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
I had an account with Chime, where my tenants would deposit their rent to pay me their rent. I would only withdraw from that account and transfer it to my XXXX checking account. Never was there any monies deposited by me into this Chime account in the past year and a half. 

On XX/XX/XXXX, I noticed that {$15000.00} missing from my XXXX account. After further investigation on my part, I noticed that on XX/XX/XXXX, there had been an unauthorized transfer of XXXX from my XXXX account to Chime. Then on XX/XX/XXXX, an additional {$5000.00} transfer had been unauthorized again to Chime. The total then added to {$15000.00}. 

On XX/XX/XXXX I recovered {$5000.00} from Chime and transferred it back to XXXX. Then on XX/XX/XXXX, I was able to recover {$5000.00} from Chime and transferred it back to XXXX. Every time I recovered my money back, I would pull it out of the XXXX  account, because at this point I knew my Chime account had been hacked, and fraud was being committed. They had access to my XXXX account and were pulling out what they could, and putting it in the Chime account. Then on XX/XX/XXXX, I was able to recover {$2400.00} of the last {$5000.00} that had been taken from XXXX. So by this point I had recovered {$12000.00}. I am still missing {$2400.00} This amount, {$2400.00} was transferred out of my Chime account to some XXXX account and a XXXX account owned by a XXXX that I do not recognize or know, or authorized. I have attached a copy of the Dispute to Chime, that shows these transactions. Chime had also asked for proof that we had reported this to the police, so we also sent them a copy of that police report, that I will attach also. 

I had to dispute it twice, because Chime decided that there was no error in these transactions so they denied the dispute. They have not given back the last {$2400.00} that is still owed to me. 

I am also attaching XXXX account info with dates and transactions. 

Chime closed the account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: U.S. BANCORP
State: MD

Complaint narrative:
i have FHA loan FHA LOAN ( not conventional loan ) the documents for mortgage assistance was signed by me in front of servicer mobile notary and she did not stamp or sign her signature in front of me at that time. she collected the documents with just my signature, and the servicer sent finalized packet which then showed her signature and notary stamp. i noticed my signature looked different and some body across from my signature wrote in a date across from my name. she has different dates pertaining to her expiration date, she also used same date of the signing when ch is not truebut she also used the date i signed my signature as the same date for her signature and stamp has the same date, which is not true. her signature and stamp were not on the paperwork i signed. a collateral sheet with answers to questions had been answered not my responses.

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 2026-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In summary -- the advertised 30-day early enrollment to entice customers to open accounts is not honored. This has been validated by a family member following the same steps, and yielding the same exact results as myself. 
-- - ( 1 ) Open a Bank of America checking account and select the option to have early enrollment into Preferred Rewards status as a benefit of opening an account.

( 2 ) Per the requirements, open a XXXX self-directed brokerage account and transfer over XXXX in assets in less than 30 days for XXXX XXXX status. 
-- - This is confirmed not working by customers in social channels like XXXX, and also a family member who had the same experience as myself. 
-- - To add to frustration, Bank of America, the Bank of America XXXX XXXX XXXX, and XXXX all refuse to assume responsibility and perpetually direct customers to contact the other party. ( Ex : Bank of America request we contact their XXXX XXXX XXXX XXXX XXXX request we contact XXXX, and XXXX request we contact Bank of America. 
-- - Lastly, the support is extremely subpar. Agents are not knowledgeable, do not actively listen, and are not empowered to provide any solution.

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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC
State: GA

Complaint narrative:
To whom it may concern, I have 2 credits cards and Im having issues with fees being raised. Both companies raise my interest rate and one is charging me a very high annual fee. This are fees that I did not agreed to, since I open my account on XX/XX/year>. I try to speak to supervisor to see if they can help reduce the interest rate or anual fee or if theres any other options. If they can help me in some type of way, so that I can try to pay off my debt. Mercury said they were not going to help or remove or reduce none of my fees. Which they raised by running my credit without my permission and instead of helping they are trying to get me more on debt. XXXX XXXX raised their interest rates, but they did help me with some type of reduction plan for 6 months. I was able to make a {$20.00} payment, but did not help me reduce my debt. Now they wont offer the program no more and started charging me late fees and high interest. Making me get into more debt. I would appreciate if someone can help me address this issues that Im having with both of this companies. Thank you! 
XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
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: Block, Inc.
State: VA

Complaint narrative:
Cash App has denied my dispute in the amount of {$460.00} twice. They had the audacity to deny my appeal for this dispute once again AFTER I submitted the first complaint to CFPB ( XXXX ). I have contacted Cash App to let them know that I have filed a second complaint regarding this same transaction with CFPB because I now can not appeal the denial again due to Cash App not allowing me to. Cash App has refused to acknowledge why they have denied this dispute twice when there is a letter of proof from XXXX saying that the product I paid for was not delivered to me and they were unable to retrieve it. Cash App stated over the phone that they denied the dispute appeal because the merchant refused to cooperate, I let them know that they are committing fraud by continuously denying my dispute when I have all documentation showing I did not get what I paid for, it does not matter if the merchant refused to cooperate. My money should have rightfully been refunded to my account! I want my refund of {$460.00} immediately or I will continue to file complaints until Cash App is in litigation once again for wrongfully/illegally handling consumer funds and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied online for a Wells Fargo credit card. Within 24 hours, Wells Fargo requested that I submit IRS Form 4506-C to obtain tax transcripts as a condition of approval. 

I do not consent to providing IRS Form 4506-C and formally requested to withdraw my credit card application. Multiple Wells Fargo representatives have refused to process the withdrawal, stating that the application must remain open or expire and that it is being escalated to the executive office.

I am concerned that Wells Fargo is continuing to process my application without my consent and is attempting to coerce disclosure of tax information for a consumer credit card product.

I am requesting that Wells Fargo immediately close the application as a consumer-initiated withdrawal, confirm that no tax transcript request will be made, and confirm that no adverse action or denial will be reported. 

I submitted this request in writing after being denied on the phone. The agent I spoke with, XXXX, at XXXX CST , escalated this issue and created a ticket Case number 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 explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CONRAD CREDIT CORPORATION
State: IN

Complaint narrative:
I was called shortly after clicking a link to an email stating I owe money for an IT Certification Course that I underwent in 2022. This email was from Conrad Credit Corporation During the call I was never informed that they were a debt collector attempting to collect a debt. It is never stated from previous calls, from different numbers in voicemail, that they are debt collectors either. 

The call I received was from someone named XXXX from Conrad. On the call she stated they were working with XXXX over an amount I owed to them in a total + {$4000.00} dollars. 

I attempted to establish a payment plan and while I was in the process of supplying my debit card number, she had a lot of issues entering in my information and the call went silent. I hung up after about 30 seconds of dead air, fearing they may be scammers given that there was no disclosure of them being debt collectors.

In my research I found that debt collectors have to establish that they who they are and that they are attempting to collect a debt. That is the reason for the complaint Information given from the caller XXXX from Conrad XXXX ext. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
I am filing a complaint against Aldous & Associates for attempting to collect an invalid debt that is currently the subject of active litigation.

1. Active Lawsuit : This debt is disputed and is currently being litigated in the XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania ( Docket Number : XXXX ). The hearing is pending. 

2. Bad Faith Billing : The original creditor ( Landlord ) has already admitted in writing that a significant portion of the charges sent to this collection agency ( specifically regarding flooring damages ) was incorrect and has removed them. Despite this admission of invalid accounting, the collection agency continues to attempt collection on a clearly flawed and disputed balance.

3. FDCPA Violation : Attempting to collect on a debt that is known to be invalid and currently under judicial review constitutes a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Company name : Westlake Financial Services Product : Auto loan / auto finance Issue : Unexpected fees/ problems with fees after repossession Complaint : My vehicle was repossessed after I fell behind by approximately two months. I contacted Westlake Financial Services to reinstate the loan. I was quoted a reinstatement amount that included two monthly payments and one repossession fee of {$450.00}. Before paying, I specifically asked if there would be any other fees, and I was told no. I was also told the {$450.00} repossession fee could be paid at the end of the contract.

Relying on this information, I paid the quoted amount and retrieved my vehicle. When picking up the vehicle, the towing company additionally charged me {$50.00} in cash without providing a receipt.

After the vehicle was returned, I reviewed my Westlake account and discovered nearly {$500.00} in additional repossession- and agent-related fees that were never disclosed prior to payment. When I contacted Westlake, a representative stated that those fees come later, which contradicts what I was told when I directly asked whether there would be additional fees.

Westlake is now demanding approximately {$1700.00}, which includes : XXXX payment XXXX payment, which is not yet due The {$450.00} repossession fee previously disclosed Nearly {$500.00} in undisclosed additional fees I believe this is misleading and unfair. All applicable fees should have been disclosed at the time I was quoted the reinstatement amount, especially when I specifically asked. Adding fees after payment and release of the vehicle is deceptive.

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 — Need information about your loan balance or loan terms
Company: MOHELA
State: NV

Complaint narrative:
I am not given access to see my loans, payments, status, how payments are applied, not able to get my 1098 for two years. I have called numerous times, on hold for hours, transfered numerous times, keep getting told the problem was resolved a year ago and should have access by end of month, and I am never given access. Also, told they don't know what is happening, but that is no excuse not to figure it out and give me access. 

I can login to my account but never get past landing page. It states due to the status of my account I can not go any further and must contact MOHELA. My husbans student loan was rolled into my account. He passed away. I was told his account was discharged due to the XXXX  but it put my account in this weird status where I can not see any of my loans. I was told the student loan was discharged and I should have access to my account. But still don't and no one is helping to fix, all the times I call -- no help. I have not received my 1098 in two years. I had customer service tell me they would mail it since I have no access, but have never received them. I am now heading into a third year trying to get my 1098 and access to my student loans. My account is in good standing and is even stated so when I call in.

I should have the right to access and manage my student loans as well as receive 1098s. MOHELA is not helping

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NV

Complaint narrative:
XXXX was stolen from my Way2go unemployment account started XX/XX/year> ended XX/XX/year> I have submitted a dispute claim and was denied I resubmitted with additional documents police report, proof of my location when fraud transaction occurred and a written statement and still denied the money that was took was for life or death procedure to prevent death I request my XXXX return XXXX DENIED FRAUD TRANSACTION DISPUTE

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 — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint regarding Chase Banks denial of reimbursement for an unauthorized XXXX transaction resulting from a phishing and impersonation scam. 

Fraudsters impersonated Chase, sent me a fraudulent link, gained unauthorized access to my account, and initiated a XXXX transfer without my knowledge or authorization. This was an account takeover, not a voluntary or authorized transaction. 

Despite reporting the incident immediately, filing an XXXX XXXXXXXX report, police report, and cooperating fully with Chases investigation, my claim was denied. 

I am requesting a full reconsideration and reimbursement, as this transaction was the result of unauthorized access and criminal fraud. 
XXXX # XXXX Police report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX, I signed up for a course through the company XXXX XXXX XXXX. It is basically a course that teaches you how to sell courses or help someone to do so. the course itself is {$5000.00} USD but is being paid through the company Affirm which includes interest making the total {$6200.00} in the end. I signed a contract that said if I was dissatisfied or unsuccessful with the course or getting a job through the course after 90 days that I would be able to get my money back guaranteed. Since the course itself was common knowledge to me and I did not find it useful, nor did I get the proper coaching they offered nor any help with getting a job through the company website, I reached out to cancel. I never heard back so I reached out 3 more times as well as contacted other employees such as XXXX XXXX, XXXX XXXX and XXXX XXXX, all of who did not reply. I was also removed being able to contact anyone through XXXX, their communication and course app. I was unaware that I could do anything about it but I really can not continue getting charged for this monthly so I decided to do more research, and discovered that many other people have fallen for this scam where they ask for their money back and they completely ghost them. I also found out that you can file disputes so I attempted to do so through my bank but they were unable to. On XX/XX/XXXX when I reached out to XXXX XXXX, the now director of Client Success XXXX again and have not heard back. I contacted Affirm XX/XX/XXXX to file a dispute but they said they were unable to do so since it exceeded the 120 day period they have for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
CFPB Complaint To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding a fraudulent company that falsely represented itself as Infinity and unlawfully collected payment from me under false pretenses. This entity claimed ownership of an alleged debt, induced payment of the remaining balance, and later issued a fraudulent paid in full letter that has since been determined to be invalid and deceptive. 
After investigation, it was determined that this company was not the legitimate creditor and had no legal authority to collect or report the alleged debt. 
This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including 1681e ( b ), 1681i ( a ), 1681n, and 1681o ; the Fair Debt Collection Practices Act ( 15 U.S.C.

1692 et seq. ), including 1692e, 1692f, and 1692g ; and the Consumer Financial Protection Act ( 12 U.S.C. 5531, 5536 ). 
I formally request immediate and permanent deletion of this account from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation