vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 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: VA

Complaint narrative:
I dont trust Mohela handling my student loans. As a previous complaint they dont report correct information. I investigated more and have found out there is a lawsuit against them Embattled Student Loan Servicing Giant MOHELA Hit with Groundbreaking Consumer Protection Lawsuit for Failing XXXX XXXX Student Borrowers Landmark Complaint Outlines Pattern and Practice of Illegal Overcharging, Incompetence, and Ongoing Call Deflection Doom Loop. I want to get legal action for the same issues this lawsuit is dealing with and have my loans audited and moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I am receiving frequent calls ( XXXX calls since XX/XX/XXXX, and a similar rate prior to that ) from a company that shows as Portfolio Recovery on caller ID. Each call is from a different number, so my phone can not block them. When call screening activates, they disconnect the call without leaving voice mail. All of my credit accounts are current. I have no overdue accounts. I have received no notice from any creditors and no flags on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I had a Chase Bank account that was closed and when I tried to reopen a new account, I was able to do so, even after paying off balances owed. I went into a Chase branch and was able to effectively open an account, even after the banker that assisted was able to contact the Fraud Department and confirmed that I was okay to move forward with the process. Well after getting the account opened, I received an email from Chase informing me they were closing my accounts without giving me a reason and when I called, the representative rudely state that they have the right to close accounts without disclosing any information, especially to a consumer that's given them all personal info, like my social security information. For the longest I don't understand what possibly could have happened and I don't think it's right for them to do that. I would like this reviewed please.

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 — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My bank account was compromised and Bank of America made it extremely difficult to create new account therefore I made a new account with a different bank. I had submitted multiple claims for fraudulent transactions made to my account and ultimately had to close the account due to a fraudulent ACH transaction attempt. I closed the account. Canceled claims that I specifically made clear I didnt want to pursue. BoA filed a claim on my behalf against my wishes that caused turmoil and ultimately BoA stole {$1000.00} from me.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: FloatMe Corp.
State: MD

Complaint narrative:
I have been charged monthly subscription fees ( $ XXXX ) since XX/XX/year> for a wage-advance service that failed to operate correctly. The service diverted loan funds to a secondary XXXX account instead of the linked bank account without notification, causing me to believe funds were never received. Due to this deceptive interface and service failure, I was locked out of my transaction history. I am requesting a full refund of all subscription fees paid for this defective service

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am filing a complaint about American Expresss handling of a billing dispute ( dispute resolution process ) involving defective / not-as-described merchandise. 

Transaction : {$990.00} to XXXX XXXX. The merchants product listing represented that the aftermarket front bumper would fit XXXX XXXX XXXX XXXX models. My vehicle is a XXXX  XXXX XXXX XXXX ( XXXX ). 

What happened : - The order included a splitter that arrived partially damaged. The merchant acknowledged the damage. 
- The main bumper was advertised as compatible with my vehicle, but after professional test-fit/installation it did not fit as described. The mounting points did not align and the bumper could not be installed correctly without modification. For a bumper, fitment can not be verified without test-fitting/installation. 
- I contacted the merchant and provided the requested photos and information. The merchant repeatedly asked for more photos and suggested retrying with the installer rather than providing a clear resolution. Once it became clear the bumper did not fit the advertised application, the merchant did not provide a practical resolution path as the customer. 
- I opened a dispute with American Express and submitted documentation showing the item was damaged and not as described ( misrepresented fitment ). 
- American Express ultimately closed the dispute in the merchants favor, placing heavy emphasis on the fact that the item was not returned, even though the core issue is that the product did not match the written description/fitment and was unusable for its advertised purpose. 
- After the dispute outcome, the merchant issued only a {$150.00} partial refund, leaving {$840.00} of the original {$990.00} charge unresolved. 

Why I am complaining : This outcome effectively requires a return ( and imposes additional costs ) to obtain relief even when the product is not as described/defective. A large body part like a bumper can not be evaluated for fitment without test-fit/installation, and requiring return under these circumstances makes meaningful consumer protection impractical. 

Requested resolution : 1 ) A higher-level review by American Express of the dispute decision under goods not as described / defective, considering the documentation already provided.

2 ) A fair adjustment reflecting the remaining {$840.00} ( the amount left after the merchants {$150.00} refund ), or a detailed written explanation of the specific evidence standard applied and why the not as described/defective documentation was not sufficient.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: OH

Complaint narrative:
I am filing a complaint regarding a collection account being reported by Bounce AI , Inc. for {$1100.00}. I have disputed this account with the credit bureaus and have now directly requested debt validation from Bounce AI.

To date, I have not been provided with proper documentation proving I am legally responsible for this debt, including a signed agreement, itemized charges, or proof of assignment. Despite this, the account continues to be reported as accurate.

I am requesting that Bounce AI provide full validation of the debt or remove the account from my credit report if validation can not be produced.

This account is negatively impacting my ability to secure housing and has caused significant harm due to continued reporting without proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Scott Fetzer Financial Group Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX  regarding deceptive practices, failure to deliver promised services, and the financial and emotional harm I have suffered as a result of their actions. 

In XX/XX/XXXX, I contacted XXXX seeking assistance with debt relief. At that time, I was already struggling financially and had an existing monthly obligation of {$270.00}. Instead of providing meaningful help, XXXX encouraged me to take on an additional loan, resulting in an extra XXXX XXXX monthly paymentdespite my clear financial hardship and the existence of an outstanding loan. 

I reached out to XXXX for help, not to be placed in a worse financial position. I was given full attention initially and was led to believe that XXXX would assist in resolving or eliminating my debt. My first formal interview with them took place in XX/XX/XXXX. 

However, since XX/XX/XXXX, XXXX has completely ceased communication with me. My emails have gone unanswered, my phone calls have not been returned, and I have received no updates, explanations, or follow-through regarding the services they promised. As of XX/XX/XXXX, I remain in deeper debt than when I first contacted them. 

Due to financial necessity, I was forced to stop paying the additional $ XXXX monthly payment, as I could not afford both obligations. I continue to struggle under the original {$270.00} payment, and XXXX  lack of action has left me without resolution, guidance, or accountability. 

I am not a wealthy individual. I do not have expendable income. Like many others affected by the current economy, I sought professional assistance in good faith. Instead, I feel misled, ignored, and financially harmed. 

I am requesting the following : 1. Immediate acknowledgment and response from XXXX. 
2. Fulfillment of the services that were promised to me, or 3. A full refund of all monies collected from me to date.

The way I have been treated is unacceptable and has caused significant stress, frustration, and emotional distress. No individual seeking help should be left in silence after being encouraged to take on additional financial burdens.

I am submitting this complaint in hopes that XXXX will take responsibility and make this situation right.

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: IL

Complaint narrative:
On my credit report there is a {$290.00} collections from portfolio recovery in XXXX VA. I never signed a contract with them and honestly dont know what theyre talking about. I have a XXXX  XXXX card now that I owe very little on. I respectfully demand the company remove this derogatory account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX cash app stated I violated terms and conditions and would be closing my account. They offered me the chance to appeal. I asked what it was specifically I was appealing and they said they would specify in the appeal. Once I appealed, they made a final decision still NOT stating what I violated. I called the customer service phone line and spoke to a person that advised he could not tell me what I violated just that I did and they closed my account. I used that account on occasion for transfers between my kids - door dash and maybe an emergency here and there. I sent a second appeal and was basically advised not to ask why.

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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I canceled my XXXX subscription in XX/XX/year>. Despite cancellation, XXXX continued charging my account monthly in the amount of {$10.00} on the XXXX of every month. 

I contacted Wells Fargo to dispute these unauthorized charges. Wells Fargo declined to investigate or provide relief, stating the charges were not fraud because XXXX was a prior merchant and that the dispute falls outside a 120-day window. 

These charges were not authorized after cancellation, and Wells Fargo refused to investigate ongoing unauthorized billing. I am requesting review of Wells Fargos handling of this dispute and consumer protections.

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 — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
After checking my credit report. I noticed that this debt has been added to my credit with no prior communication, causing my credit score to drop.

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am disputing the accuracy and validity of the above-referenced account currently being reported by your company. 

Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I request validation of this alleged debt, including : 1. Proof that this debt belongs to me ; 2. A copy of the original agreement bearing my signature ; 3. An itemized statement of the amount claimed ; 4. Proof of your authority to collect this debt ; 5. The date of first delinquency. 

This request is made without any admission of liability. Until validation is provided, you must cease collection activity, including reporting to consumer reporting agencies. If you can not validate, please delete this account from all credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: MI

Complaint narrative:
Im a Victim Of ID Theft I Was XXXX  From XX/XX/XXXX Register Number XXXX Federal BOP XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Loan Type Credit Card From My 3 Credit Reports This Account Was Closed XX/XX/XXXX Elan  Is Reporting This Card Was Paid And Used After XX/XX/XXXX Elan is inaccurately reporting XX/XX/XXXX a Balance Of XXXX $ With The Amount Paid as XXXX $ Which Is Inaccurate This Is Fraud I Did Not Use The Card Or Make The Payment The suspect is XXXX XXXX XXXX West Virginia XXXX Balance XXXX $ Amount Paid XXXX $ This Is Fraud and Inaccurately Reported As I Never Used This Card Or Made These Payments XX/XX/XXXX Balance XXXX $ Amount paid XXXX $ Past Due XXXX $ This Is all Fraud This Company Is Reporting And Inaccurate I was Already In Custody Of the United states Marshalls In West Virginia XX/XX/XXXX Balance XXXX $ Amount Paid XXXX $ Past Due XXXX $ This Is Fraud And Inaccurately Reported XX/XX/XXXX Balance XXXX $ Amount Paid XXXX $ Past Due XXXX $ XX/XX/XXXX Balance XXXX $ Amount Paid XXXX $ Past Due XXXX $ Which is Fraud And innaccurately Reported XX/XX/XXXX Balance XXXX $ Amount Paid XXXX $ Past Due XXXX $ Fraud And Inaccurately Reported Ive Reported This Information To XXXX XXXX XXXX And They All Failed To Provide Written Documentation Updating Me Under 15 USC 1681i FCRA And 605B FCRA Within 5 Business Days On why This Information Is Still Being Reported And They Are Aware I Was XXXX  And Have all My Address Updates These Accounts Were In Collection Then Removed And Stayed On My Credit Reports XXXX XXXX XXXX without Written Notice With The 5 Business Days For Fraud Thats Reported My Credit I Have added Fraud Alerts On All My Reports And They Have Still Allowed Fraud In My Name XXXX XXXX XXXX My Civil Rights Have Been Violated By All 3 Consumer Reporting Agencies

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: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX  is furnishing fraudulent and unauthorized hard inquiries showing as JPMCB CARD XX/XX/year> on my consumer report that is a result of an alleged identity theft. These unauthorized inquiries is information that does not relate to any transactions made by myself, and I did not benefit from these transactions. I sent XXXX  written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement the law requires. They are required to block and delete this fraudulent and unauthorized hard inquiries with 4 business days of receiving my notice.

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: WorldRemit Corp.
State: TX

Complaint narrative:
XXXX'On January 4, 2026, at approximately XXXX XXXX, I initiated a money transfer of XXXX  using the XXXX XXXX application on my phone. The founds were sent from the debit card-linked XXXX account to my sister in XXXX XXXX using the phone number XXXX XXXX XXXX XXXX This is a number I have successfully used for previous transfers. XXXX XXXX system indicated that the transaction was successful and provided the following transaction ID; XXXXHowever, when I contacted my sister to confirm receipt of the funds, she informed me that she did not receive the withdrawal code required to collect the money. Upon further verification, we discovered that the phone number used for the transfer had been locked because my brother changed the name on it and is no longer eligible to receive money transfers\nI contacted sendwave customer support through the in-app chat service to explain the situation, unfortunately I was informed that the transfer was marked as successful and that no further assistance could be provided.\nI am concerned because the funds did not reach the intended recipient and nobody has received the funds and were therefore not successfully delivered. I am a regular XXXX user and have relied on this service for many transactions without any prior issues.\nGiven that the recipient was unable to receive the funds, I do not understand why a refund or reversal cannot be processed.\nI respectfully request your assistance in reviewing this matter and helping me recover my funds. I would appreciate a clear explanation and a fair resolution to this issueXXXXThank you for your time and attention. I look forward to your prompt response.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Our family made a significant purchase at Best Buy in XXXX XXXX, of a dishwasher and a double-door fridge, using a Best Buy XXXX XXXX card, that earned us {$550.00} worth of rewards. 

In XXXX XXXX, I received confirmation from Best Buy over chat ( see attached the official transcript " XXXXBest Buy Chat XXXX XXXXXXXX XXXXXXXX '' ), that they would convert these {$550.00} worth of rewards into {$550.00} worth of points that would have no expiry date. 

In XXXX XXXX we tried to use the {$550.00} worth of points at the Best Buy store, for the family 's XXXX shopping but were unable to do so, with the store staff indicating that there were no points available for use. This was a bit of a shock and disappointment. 

In order to get my points, I have since explored multiple channels, following up with : a ) Best Buy Chat Support b ) Best Buy Citi Email Support ( via website XXXX XXXX XXXX  ) c ) Best Buy Phone Support ( XXXX ) d ) Best Buy Store ( With the original sales person and with the Manager ( XXXX XXXX ) of the store at XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ) None of the above avenues have resulted in us getting the {$550.00} worth of points that we had saved up given Best Buy 's original confirmation about the points being available to me with no expiry date. 

Please assist me in having Best Buy act in line with their recorded assurance, to make the {$550.00} available to me.

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