vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 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: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Hello, My mortage company recently merged ( or where acquired, I do not have the details ) by XXXX XXXX. 

When I attempt to login, or reset my password, I get a server error : The claims exchange XXXX ' specified in step ' XXXX ' returned XXXX  error response with Code 'InternalServerError ' and Reason 'Internal Server Error '. 

I spoke with a rep around XX/XX/XXXX to because I was attempting to pay my mortage, and could not access my account after a week. The rep said that their systems are all messed up so the only way I can pay is to give them my bank account information ( which is not safe from a security stand point nor the process I've been using for 4 years now ). 

They claimed they would open a ticket to get me access back to my account. It's been XXXX weeks and about XXXX calls to follow up where I have not received updates, do not have access to any of my documents and can not make payments online at all. I really need this resolved. It almost seems like they are intentionally trying to get people to default on loans which is a federal crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase restricted my checking account after a in-person {$6800.00} check deposit. I have no access to funds and the fraud department will not provide a resolution timeline. I am requesting immediate access to any available funds and a written explanation of what steps/documents are required to restore full account access. I dont have access to log in online to view any postings and the fraud department will not give me any information on why my account is being closed without any explanation. The check is legit and it should have been verified before being made available in my account. I believe there may have been a mistake or system flag on Chases end related to a recent check deposit. When I deposited the check, I was told it could take up to 14 days to process. However, the funds became available the very next morning ( less than XXXX hours later ). Shortly after that, my account was restricted, and now Im unable to access my money or close my account. I am being told to wait 10 days and a check will be mailed to me. This deposit was made with a bank teller inside Chase Bank on XX/XX/26 after meeting with XXXX XXXX | Chase Private Client Banker. Funds were available XX/XX/26 and I was using my funds until XX/XX/26 and have not been given an explanation on why my account is restricted or why XXXX cant close my account to get my funds. I currently can not open any other bank accounts because Ive been marked as potential fraud with XXXX XXXX XXXX who rejects my application during the screening process with other major banks. This is very unfortunate and has caused me financial hardship. I was stranded in Mississippi who does not have a Chase Branch, I cant afford to pay my bills and my credit score is being impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
I ordered a XXXX XXXX laptop from XXXX app using Affirm Credit. XX/XX/year> the package hadn't arrived. XX/XX/year> I call XXXX and got the order canceled and the refund sent back to Affirm who process that refund immediately. XX/XX/year> The package arrived Late I called XXXX spoke to a XXXX XXXX who informed me since the package had already been refunded for me to keep the package and do what I want to do with the package so I got rid of the package. XX/XX/year> I received an email from XXXX saying that even though they processed the refund and I was told by XXXX XXXX XXXX XXXX to keep the package that since the package arrived late that I must now pay for the package or return the package and that on XX/XX/year> I will be recharged for that item if the package is not returned. XX/XX/year> : XXXX XXXX I called Affirm spoke to XXXX  who informed me that since my bank account is not linked to Affirm that if XXXX tries to recharge that card it may not go through meaning that it's a possibility that it could go through. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
RESPONSE INADEQUATE - ISSUE NOT RESOLVED American Express 's response fails to address the core issues raised in my complaint and contains misleading statements. 

UNRESOLVED ISSUES : XXXX. NO EXPLANATION FOR LIMIT BELOW BALANCE - AmEx set my Platinum Card limit at {$3600.00} when my balance was {$4600.00} - This created an unavoidable {$1000.00} over-limit situation - AmEx 's response does not explain WHY the limit was set below my existing balance - They claim " valid reasons '' but provide no actual explanation XXXX. NO REFUND OF DAMAGES - Total documented damages : {$1000.00} - AmEx refused refund with no justification - These damages resulted directly from their retroactive limit assignment XXXX. NEW EVIDENCE - ONGOING DECEPTIVE PRACTICES - Screenshots from XX/XX/XXXX ( attached ) show AmEx CURRENTLY displays : * " Available Pay Over Time Limit : {$1800.00} '' * But my preset spending limit is only {$1300.00} - This makes {$510.00} of displayed " available credit '' IMPOSSIBLE to use- This is FALSE ADVERTISING of credit availability XXXX. CONTRADICTORY CREDIT TERMS- Pay Over Time Limit : {$2000.00} ( statements say " this is not a spending limit '' ) - Preset Spending Limit : {$1300.00} ( actual limit that blocks charges ) - These contradictory limits violate Truth in Lending disclosure requirements XXXX. FALSE STATEMENTS IN ADVERSE ACTION LETTER - XX/XX/XXXX letter claims " Recent payment ( s ) returned unpaid '' - But AmEx 's own response confirms successful {$800.00} payment received XX/XX/XXXX - This appears to be a fabricated reason for adverse action REQUESTED ACTIONS : 1. CFPB investigate these ongoing deceptive practices 2. Require AmEx to remove false " Available Pay Over Time '' displays 3. Require explanation for limit below balance 4. Require refund of damages 5. Refer to OCC for regulatory examination I am also filing with the FTC ( false advertising ) and OCC ( unsafe banking practices ). 

ATTACHMENTS : Screenshots from XX/XX/XXXX showing contradictory credit limits

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( mo ) 281 SW 715, 719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint against Wells Fargo Card Services ( WFBNA ) for continuing to furnish inaccurate and fraudulent credit information to the credit bureaus regarding an account that is the result of identity theft. 

Background Wells Fargo is reporting and furnishing a revolving/charge card account on my credit reports as a charge-off/collection ( with a {$0.00} balance ). I did not open, authorize, or benefit from this account. The account does not belong to me and is the product of identity theft. 

Despite my repeated disputes and clear notice that this account is fraudulent, Wells Fargo has continued to furnish this tradeline to XXXX, XXXX, and XXXX, causing ongoing harm to my credit profile. 

Account Information Furnisher : Wells Fargo Card Services/ WFBNA Account Type : Revolving / Charge Account Status Reported : Charge-Off / Collection Opened : Approximately XX/XX/year> Balance : {$0.00} Violations of Federal Law As a furnisher of information, Wells Fargo has legal duties under the Fair Credit Reporting Act, including : 15 U.S.C. 1681s-2 ( a ) Duty to furnish accurate information 15 U.S.C. 1681s-2 ( b ) Duty to conduct a reasonable investigation after receiving notice of a dispute 15 U.S.C. 1681c-2 Identity theft protections requiring blocking/removal of fraudulent information Wells Fargo has never provided documentary proof that I opened or authorized this account, such as a signed application, origination records, or identity verification documents. Continuing to report this account without lawful verification is inaccurate, misleading, and harmful. 

Courts have held that furnishers must conduct meaningful investigations and may be liable for continued inaccurate reporting ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Harm Caused Wells Fargos continued furnishing of this fraudulent charge-off has damaged my creditworthiness, negatively affected lending decisions, increased borrowing costs, and caused significant stress and time loss attempting to correct an account that is not mine. 

Resolution Requested I respectfully request that the CFPB require Wells Fargo to : 1. Immediately cease furnishing this account to all consumer reporting agencies 2. Request permanent deletion of the tradeline from XXXX, XXXX, and XXXX  XXXX. Provide written confirmation that Wells Fargos records have been corrected 4. Provide documentation of any investigation conducted and the basis for claiming the account is mine This complaint is submitted in good faith to resolve the matter without litigation. If Wells Fargo continues furnishing this fraudulent account, I will pursue all available remedies under federal law.

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 2026-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
Please send itemized list of alledged debts owed by me. Please include the signed original agreement linking me to the alledged debts owed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC

Complaint narrative:
I obtained a home improvement, XXXX XXXX through GoodLeap to finance installation of a solar energy system at my home. The original installer XXXX XXXX XXXX XXXX XXXX installed panels on my roof but never completed the installation. The system was never connected. Never inspected never received permission to operate and has never produced electricity. The installation was later transferred to XXXX XXXX XXXX XXXX XXXXXXXX, Arkansas, which also failed to complete the work and subsequently filed for bankruptcy. As a result, I am left with non-functional solar panels, and no responsible contractor. Despite the system was never being completed or usable GoodLeap has continued to bill and collect monthly loan payments. I have made payments in good faith to protect my credit, but I am paying for a product that was never delivered. I am disputing this loan due to contractor, non-performance and failure of consideration, I am requesting that GoodLeap place the loan into forbearance, cease, collection, activity, investigate the contractor failure, and either cancel or materially modify the loan, including refund or credit of the payments made or arrange completion of the system at no cost to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am filing a complaint regarding a vehicle loan with Credit Acceptance Corporation that I believe involved predatory and unconscionable lending practices under Michigan law. 

I purchased a XXXX XXXX XXXX in XX/XX/XXXX. The vehicle was sold at an inflated price with an APR XXXX XXXX XXXX, resulting in a total cost exceeding {$25000.00} for a vehicle worth significantly less. I was not adequately informed of the true total cost of the loan or the disproportionate interest being charged. 

The vehicle has now been repossessed, and I made a partial payment after repossession in good faith. I dispute the accuracy and fairness of the loan balance, interest allocation, and the repossession process.

I am requesting that Credit Acceptance provide full documentation, including the original contract, complete payment history, interest calculations, required post-repossession notices, and proof that the sale of the vehicle will be commercially reasonable under Michigan law ( UCC Article XXXX ). 

I also dispute the reporting of this account to credit bureaus while these issues remain unresolved.

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 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase refuses to remove a fraudulent charge on my card. I reported the charge immediately with their company.i never approved or received the ok from me approving or verifying I made the charge with my card and I have settings set that any purchase or charge over XXXX dollars asked for approval yet I received nothing. Nothing was ordered from my ip address in my home. Im really angry as its XXXX dollars and I never order anything that expensive so that should have been a red flag to the credit card company before they allowed this to go thru. My cards were stolen and they just dont want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: DC

Complaint narrative:
b"I contracted with a person to develop software for a XXXX XXXX. The transaction services provided were good; I agreed to pay $XXXX  in two installments of $ XXXX.\n\nI did the same and executed the transaction within 24 hours after billing and confirmation of work. \n\nBoth transactions were canceled after verification of all Know Your Customer requirements. I have never had issues with US or International Banks. \n\nThis is the message I got: Recipient: XXXX XXXX\nTransfer No.: XXXX XXXX XXXX XXXXCANCELEDXXXXDear XXXX,\nWe've canceled your $XXXX transfer to XXXX  because we've noticed some activity that isnt allowed under the terms of our User Agreement. If your payment method was charged, you'll receive a refund within 10 business days.\n\nNote: If you think this transfer should not have been canceled, please contact us to provide additional information.\nThanks for using Remitly.\nView receipt for this transferXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwww.remitly.com"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO
State: KS

Complaint narrative:
I am writing to request assistance with closing my mothers bank account at Banco Popular and transferring the remaining funds. In XX/XX/year>, I relocated my mother from XXXX XXXX to Kansas due to significant memory issues, which were later diagnosed as XXXX XXXX and XXXX. Her condition has since deteriorated, and she is now residing in a XXXX XXXX. 

I have been appointed as her conservator by court order, and I have been attempting for the past two months to close her account on her behalf. However, Banco Popular customer service has informed me that I must appear in person at the branch where the account was originally opened. As I currently live more than XXXX miles away, this requirement presents a substantial hardship.

I have reached out to Banco Populars legal division for guidance, but I have not yet received a response. Given my legal authority as conservator and my mothers medical condition, I respectfully request assistance in completing this process remotely or through alternative means that do not require inperson travel.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint to request your assistance regarding improper debt collection practices by Credit Collection Services.

I have been contacted by Credit Collection Services regarding an alleged debt in the amount of {$320.00}, which they claim is related to an insurance premium. I dispute this debt in its entirety.

I have never signed a contract, agreement, or authorization with Credit Collection Services, nor with any company that would justify the transfer or assignment of this alleged debt. To date, I have not been provided with any documentation proving that this debt is valid or that I am legally obligated to pay it.

In addition, Credit Collection Services has contacted me via text messages, despite the fact that I did not provide consent to receive such communications. I believe this conduct may violate federal consumer protection laws.

Specifically, I am concerned that Credit Collection Services may be in violation of : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, for attempting to collect a debt that has not been properly validated and for engaging in potentially deceptive or unfair collection practices.

The Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227, for contacting me via text message without my prior express consent.

I am requesting the CFPBs assistance to : Investigate the collection practices of Credit Collection Services.

Require the company to provide proper written validation of the alleged debt, including proof of a signed contract.

Ensure that all unauthorized communications, including text messages, cease immediately.

Prevent any negative or inaccurate reporting of this disputed debt to consumer credit reporting agencies.

I appreciate your attention to this matter and respectfully request your support in resolving this issue in accordance with applicable consumer protection laws.

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I paid {$350.00}. for a service I never received. Capital One denied my XXXX scam claim without providing me the opportunity to give a full statement or submit documentation. I paid for a service that was never delivered, and the recipient became unresponsive. This was misrepresentation and non-delivery, not a voluntary payment dispute. I am requesting a formal review and reconsideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This XXXX  report shows a Debt Buyer collection account that was inaccurately reported using my personal identifying information without authorization. The account lists a {$1900.00} balance, opened in XX/XX/year>, currently in " Collection '' status with a late delinquency indicator and balloon payment amount of {$1900.00}, which I do not recognize or authorize as valid.

All credit reporting relies on personal identifiers like my name, SSN, and addressif used unlawfully to attach false debt data, it triggers fraud and FCRA violations, including deceptive practices under 15 U.S.C. 45 ( a ), mail/wire fraud ( 18 U.S.C. 1341, 1343 ), and furnisher duties under 15 U.S.C. 1681s-2 ( b ). This debt buyer misused my PII to publish unverified info to XXXX  and likely other CRAs ; I disputed it, but they failed to investigate or delete as required by FCRA 1681i ( a ) ( 5 ) ( B ), continuing willful misrepresentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 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: Klarna AB
State: CA

Complaint narrative:
I used Klarna to purchase XXXX digital tickets from XXXX for the XX/XX/year> XXXX XXXX concert at XXXX XXXX. XXXX failed to deliver the digital tickets prior to the event. Before the event, I spent approximately XXXX to XXXX hours on the phone with XXXX different XXXX agents attempting to resolve the non-delivery. XXXX stated that the seller was not responding and verbally promised that a refund would be issued, but no refund was issued. I was forced to purchase replacement tickets from XXXX the same afternoon in order to attend. The event has now passed and the original tickets were never delivered. 

XXXX  paused payments for 21 days while reviewing the dispute. After I declined to reverse the active XXXX  dispute, XXXX emailed stating that they were unable to process a refund and that any resolution will now be handled directly by XXXX  as XXXX  is reviewing the dispute. XXXX also stated that they can not intervene further or issue a refund during XXXX dispute process. I should not be required to reverse a dispute in order to receive a refund for a non-delivered purchase financed through buy now, pay later credit. I am requesting a full refund for a non-delivered purchase and closure of the XXXX dispute without further billing.

Company response to consumer: Closed with explanation