vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In good faith I share in abstract that due to legally documented identity theft and credit and financial fraud committed by someone I know, though I am not on contact with, intentionally and unlawfully acted without my prior knowledge or consent, resulting on credit fraud. Capital One lied to me that I am legally responsible for the fraud because I know who committed the crimes. The law says otherwise. Regardless, I mistakenly agreed to pay Capital One, though they refuse to correct the due date to work with my ability to pay. Capital One staff are disrespectful, unprofessional, and racially discriminatory, for White people I know we're not held responsible for credit card fraud when they knew the criminal, even though it was family. Moreover, Capital One changed the due date for XXXX customers experiencing similar financial issue, though Capital One chooses to disrespect me, including by speaking at and down to me, trying to intimidate me. Equally concerning is Capital One is charging me late fees as they admit though I don't have access to my statements since my account was breached. Lastly, Capital One is wrongfully reporting my account as delinquent to the credit bureaus, which is wrongfully and unfairly harming my credit. On footnote, I made a payment over the holiday weekend and Capital One refuses to admit I made an electronic payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I filed a dispute on XX/XX/XXXX and was told that I would receive provisional credit by XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received a credit to my account or any letter saying that my claim was denied ; however, when I called the fraud department I was told that it was denied because I was aware of the charges because of my app use or something. I explained to them that I informed them at the time the claim was filed that I never received any alerts and when I did open the app it was initially saying all the attempts to charge my card failed, but then it said they were pending. I immediately tried to dispute them and the app told me that I had to wait for the charges to officially post before I could dispute them and instructed me to reach out to the merchant, XXXX, and try to resolve it with them, which I did and was told by XXXX that unfortunately I would have to dispute the charges with my bank so I filed the dispute. 

I originally filed a complaint on XX/XX/XXXX to avoid delays and now I am making this complaint because they have exceeded the 10 business days allotted by Federal Regulation E and should immediately credit my account for the full amount of the claim, {$550.00}. 

I received an email from XXXX on XX/XX/XXXX telling me that XXXX XXXX is my point of contact and that I was assigned case number XXXX regarding my last CFPB inquiry. The email said that I could reach XXXX at ( XXXX ) XXXX which I did immediately and reached her voicemail as the number goes directly to voicemail each time. I left several voicemails over the next few days and finally got a call back on Friday, XX/XX/XXXX but XXXX acted as if she couldnt discuss my account because she couldnt verify me even though I accurately provided the CVC from the back of my card, XXXX, and provided her with my birthdate and proper mailing address thats on my account. She then proceeded to end the call in my face.

I called back several times and left numerous voicemails asking her to call me back because I was going to the XXXX XXXX location in XXXX XXXX were my account was opened to have them verify my account since she was lying about not being able to with the information provided so I was going with two forms of ID and my card, but she never called. I have followed up each day this week but she has not returned my phone call.

I also requested an explanation as to why my account says it was opened in AR when Ive never been to AR and the account was opened in California.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX. I reported a fraudulent charge on my Wells Fargo debit card. Instead of issuing a new card with a different number and proper security measures, the bank told me the only solution would be to block my debit card for 12 months.

I refuse this extreme and disproportionate solution, as it prevents me from accessing my funds for essential payments like rent and bills.

I request : 1. A new debit card with a different number.

2. Proper fraud security measures without restricting access to my account.

3. That my complaint is formally documented and Wells Fargo does not impose measures that unfairly penalize the customer.

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 2026-01-21 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: Acra Intermediate Holdings, LLC
State: GA

Complaint narrative:
Dear XXXX XXXX, Acra Lending, XXXX XXXX, XXXX? XXXX The incorrect accounting remains outstanding and not completed below, highlighting several discrepancies : from the email dated today from XXXX XXXX XXXX XXXX. The borrower has never received a refund of {$6500.00} dated XX/XX/XXXX as listed. 
XXXX. The borrower 's first payment credit of {$3100.00} is missing on this document XXXX. Please provide clear and accurate descriptions for each payment, avoiding unclear terms like " Specified Funds ''. Borrow has no idea what this means XXXX. Borrower request a definitions sheet outlining all relevant legal terms used by XXXX in this document XXXX. Please provide detailed explanations for each line item charge. 
XXXX. Borrower states that Approximately 40 % of the listed items are incorrect and require correction. 
XXXX. Clarification is still needed on all " Funds Application '' line items. 
XXXX. A lien was placed in XXXX, but no tax payment was made to the borrower 's tax commissioner, XXXX stated that the taxes were paid... However no taxes were paid, thats why a lien was placed on borrowers XXXX addreess XXXX. The attached documents contain errors and a host of inaccuracies. Please provide corrected accounting documents via email, addressing the borrower 's concerns. your findings are improper and incorrect. Borrower is requesting complete and accurate accounting of payments and payments schedules with copies attached as requested previously 10. Copies of federal transaction history of {$50000.00} paid to XXXX XXXX and agreement terms 11. Investor = What does this mean?, Borrow understand borrower closed with a conventional loan and not an investor loan 12. Borrower is requesting documentation and copies of each? 
13. Please divide ALL into years XXXX, XXXX, XXXX, XXXX, XXXX And XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cedars Business Services, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received my first notice from Cedars Business Services ( Arizona XXXX XXXX ) attempting to collect an alleged XXXX  traffic citation issued by the XXXX XXXX XXXX. I never received the original citation, nor any notice of attempted delivery from XXXX authorities. 

Prior to receiving the collection notice, I had been communicating with an XXXX  law firm regarding the matter and advised them that I never received notice of any traffic citation. I was informed that they were not responsible for the delivery or receipt of my mail. The only documentation provided to me by the XXXX  law firm was a return receipt related to the citations, not documentation showing attempted delivery, lawful service, or notice of deposit to me. 

On XX/XX/XXXX, I submitted a written dispute and request for validation to Cedars pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I specifically requested documentary proof of lawful service of the original notice, including proof of issuance and lawful delivery or deposit of the required XXXX XXXX XXXX XXXX ( XXXX ) under XXXX  administrative notification procedures. 

Cedars has not provided any validation of the alleged debt. No documentation has been produced establishing that the original citation was lawfully served, that delivery was attempted, or that required notice procedures were completed. 

Despite this, on XX/XX/XXXX, Cedars issued an additional collection notice characterizing the account as delinquent and demanding payment. 

On XX/XX/XXXX, at approximately XXXX, I contacted Cedars by telephone to inquire about the status of my dispute. During this call, the Cedars representative stated that despite my dispute and validation request, the account remains in collections and that further collection attempts would continue.

Continuing collection activity after a timely written dispute, without providing validation, violates the Fair Debt Collection Practices Act. No documentation has been produced establishing that the alleged debt is enforceable or that lawful service occurred.

I am requesting that Cedars be required to cease collection activity unless and until proper validation is provided, and that the account be closed if validation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am giong bank take with recive email and they tell me you can open acount but I am bank but they dont open my account and making me fool to many time and they send latter you can open acount again but they dont open

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Autopay processed my credit card payment before the payment due date. I planned to make an on-time payment from a different bank on the due date, but once Autopay initiated, the system would not allow me to cancel or change the payment source.

Because Autopay processed earlier than expected, the payment was attempted from a bank account that was not intended to be used for this payment and was subsequently returned. 

I paid the full balance as soon as Wells Fargos system allowed after the returned payment posted. This was not a missed payment, and I never intended to carry a balance.

Despite this, Wells Fargo assessed interest charges of XXXX that resulted solely from Autopay processing timing and the inability to modify or cancel the payment before the due date.

I am requesting a one-time courtesy reversal of the interest and any related fees caused by this Autopay timing issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I cancelled my apple card almost 4 years ago due to constant fraud that Goldman Sachs refused to address or prevent. Costed me hundreds of dollars. Every day since I get calls from them harassing. I have told them multiple times to stop calling me. They will not be paid by me due to theonly money I owe is money that kept fraudulently getting extracted from my account whenever I deposited money. It would just disappear within minutes. I told them this, they dont care. They still call me from morning to night. It is ridiculous. So now I am filing a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: OH

Complaint narrative:
I am seeking clarification and correction regarding how interest was calculated on my federal student loans serviced by MOHELA during and after my bankruptcy discharge. 

Specifically, I am unable to determine whether interest was properly calculated, paused, accrued, or capitalized in compliance with applicable bankruptcy rules and federal student loan servicing requirements. MOHELA has not provided a clear, itemized accounting explaining how interest was treated during the bankruptcy period or how post-discharge interest balances were calculated. 

Despite reviewing my account information and attempting to understand the calculations, the balance and interest figures reflected in my account are not transparent or sufficiently explained. Without a detailed breakdown, I can not verify whether interest was assessed accurately or whether any improper accrual or capitalization occurred. 

I am requesting a full account review and a written, itemized explanation detailing how interest was calculated during the bankruptcy period and after discharge, including confirmation that all calculations were performed correctly and in compliance with applicable requirements.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I am submitting this complaint to dispute the inaccurate and unlawful reporting of one or more collection accounts appearing on my consumer credit reports with XXXX, XXXX, and XXXX. 
The collection account ( s ) are being reported with incomplete, inconsistent, and unverifiable information, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), a furnisher may not report information it knows or has reasonable cause to believe is inaccurate. Additionally, pursuant to 15 U.S.C. 1681s-2 ( b ), upon receipt of a dispute, the furnisher is required to conduct a reasonable investigation and delete or correct information that can not be verified.

Further, this conduct violates the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692e and 1692f, which prohibit false, misleading, deceptive, unfair, or unconscionable collection practices. Reporting inaccurate or unverified collection data to consumer reporting agencies constitutes a misrepresentation of the character, amount, or legal status of the alleged debt.

Because I am a Texas consumer, these actions also violate the Texas Debt Collection Act ( Texas Finance Code 392 ), including : 392.303 ( a ) ( 2 ) : Prohibits collecting or attempting to collect charges not authorized by the agreement or law 392.304 ( a ) ( 8 ) & ( 19 ) : Prohibits misrepresenting the character, extent, amount, or status of a debt, and using deceptive means to collect or obtain information 392.202 : Requires accurate investigation and correction of disputed items Additionally, the collection account ( s ) fail to comply with XXXX XXXX reporting standards, including inaccurate reporting of the date of first delinquency, account status, balance, and ownership of the alleged debt.

Because the information can not be fully verified as accurate and compliant with federal and Texas law, continued reporting is unlawful and harmful.

I respectfully request that the CFPB investigate this matter and require the immediate deletion of the disputed collection account ( s ) from all consumer reporting agencies. Please provide written confirmation of the outcome and actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Receivables Network
State: NE

Complaint narrative:
2 Calls and voicemails left saying I have debt at a medical facility that I have never been treated at. I explained that to the first gentleman that called and he hung up on me. I have contacted that medical facility directly to make sure there wasn't some false account and they have no record of me anywhere or any treatment or debt owed. I was recently contacted by a woman who left a voicemail about debt owed. I believe this is a scam debt that was created and then sent to a legit company to collect. First number that called was XXXX XX/XX/XXXX did not catch the guy 's name. Second attempt was XXXX XX/XX/XXXX name left was XXXX XXXX at XXXX XXXX XXXX # of XXXX. When I called back, I was on hold for 15 minutes and never got to a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: SD

Complaint narrative:
I have a mortgage serviced by NewRez LLC d/b/a Shellpoint Mortgage Servicing. I make bi-weekly payments equal to one-half of my regular monthly mortgage payment, resulting in 26 half-payments per year ( 13 full payments annually ).

Shellpoint has repeatedly placed the additional bi-weekly payment in months with a third payment into an Unapplied Balance instead of applying it to principal, despite my clear intent that any funds in excess of the required monthly payment be applied to principal. 

For example : In XX/XX/XXXX, I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The third payment was not applied to principal and was instead placed into an Unapplied Balance.

Shellpoint representatives advised me that the funds would not be applied to principal unless I made yet another mortgage payment.

Shellpoint has advised me that the same will occur again in XX/XX/XXXX, when I make payments on XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX the third payment will again be held as Unapplied Balance rather than applied to principal.

This practice is misleading and harmful. I am current on my mortgage, and Shellpoint is holding excess funds rather than applying them as a principal curtailment, despite no delinquency and despite my intent to reduce principal.

Holding borrower funds in suspense and refusing to apply excess payments to principal unless an additional future payment is made is improper servicing behavior and frustrates the borrowers right to make principal curtailments.

I am requesting regulatory review of Shellpoints payment application practices and correction of my account.

What I want the company to do Apply all excess funds currently held in Unapplied Balance immediately to principal Apply all future funds received in excess of the required monthly payment to principal curtailment Provide a written explanation of Shellpoints payment application policy, including why excess funds are being held rather than applied Correct my loan history and statements to accurately reflect principal reductions Confirm in writing that principal-only payments will be applied properly going forward Additional details I am not delinquent on my mortgage Payments are made on time and as scheduled I have contacted Shellpoint directly and was told the extra payment would remain unapplied This practice results in lost interest savings and deprives me of the benefit of making extra payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — VA 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: Ocwen Financial Corporation
State: AZ

Complaint narrative:
When PHH took over the servicing of the loan due to it being in default they block me from making any type of payments when they took over the loan. And automatically setup a date to foreclose on my property. They specifically explain that they do not report to the credit bureau.

When going to fill out there modifications packet I attempted serval times to do there manual process but it does not work for me, and filling out the application online would be easier and simple.

With the online application the very first time it allowed me to put my information in the system. At the end of the application process it deleted all my information off system and only allowed me to submit a blank form. I reach out numerous of time to request for them to fix this because now all that this process does block all my information from being applied, allow me to only add my last four of my ssn, before being able to fill the form out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX., Portfolio Recovery Associates contacted my former employer, even though I no longer work there.

During this call, the Portfolio Recovery representative disclosed specific debt information, including that the call concerned a XXXX XXXX credit card, the balance owed, and asked whether I could make a payment that day.

I did not authorize Portfolio Recovery Associates to contact my former employer or disclose any debt information to a third party. My former employer later confirmed to me that this information was shared during the call.

This was not a request for location information. The representative disclosed the nature of the debt and attempted to collect payment through a third party, which constitutes an illegal third-party disclosure and unfair collection practice under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief