vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am disputing retroactive deferred interest of {$1900.00} assessed on my XXXX credit card issued by Comenity Capital Bank. 

I made timely payments toward the promotional balance, including a {$400.00} payment on XX/XX/XXXX. On XX/XX/XXXX, I logged into my account and attempted XXXX additional payments to pay off the remaining promotional balance. I did not receive any error message or notification that a payment was rejected and reasonably believed the payments were successful. 

I XXXX  became aware of any issue when my XX/XX/XXXX statement posted, showing {$1900.00} in deferred interest. I immediately contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and received conflicting information, including being told the issue could be corrected and that a grace period applied. I relied on this information in good faith. 

I submitted a written billing dispute and later sent supplemental information and a detailed timeline via certified mail. XXXX closed the dispute without addressing the lack of notification of a rejected payment, the conflicting agent information, or the supplemental certified correspondence. 

XXXX is continuing to assess interest and is attempting to enforce the charges despite procedural deficiencies under the XXXX XXXX XXXX XXXX  I paid the minimum amount under protest solely to prevent negative credit reporting. 

I am requesting regulatory review of XXXX handling of this billing dispute, including failure to consider written evidence and failure to properly investigate and respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
My account was closed and my identity flagged after I reported unauthorized ATM withdrawals. These transactions were the result of financial abuse ; my former partner stole my physical card and used it without my permission. I am a victim of domestic/financial abuse. I am not in violation of the Terms of Service ; rather, I am seeking protection under Regulation E for unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: TX

Complaint narrative:
I am formally escalating an unresolved refund that has now been pending for over XXXX months, despite repeated follow-ups ( XXXX calls with American Express XXXX XXXX XXXX Travel . I was charged for a reservation on XX/XX/2025 at The XXXX Hotel in XXXX through American Express Travel. I canceled the reservation within the cancellation window in XXXX of 2025 and I was told by American Express I would see the refund in XXXX days. When the refund did not process in XXXX days I called and was told XXXX weeks. Ive proceeded to be told the refund in is process, been asked to file multiple claims with American Express that have repeatedly denied within less than XXXXXXXX XXXX due to the timeframe from The original charge. It has been 8 months since I canceled this reservation and American Express has still not refunded me the over {$1000.00} I am owed. American Express has failed to exercise reasonable care in handling this matter, resulting in prolonged non-resolution and financial harm.This is terrible customer service for a company who claims membership has its privileges. After over XXXX years as a loyal American Express user, I am questioning whether my loyalty is warranted. 


Transaction date : XX/XX/2025 Merchant name : XXXX XXXX Amount : {$600.00}, {$600.00} ( total of {$1200.00} ) Dispute / case number ( XXXX ) : XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
SoFi allow XXXX XXXX to take {$100.00} out of my account for a transaction for the cell of crypto I had let SoFi know that I did not mean to hit. Yes when I got a text message asking if I authorize a transaction right away. I had sent some ramp stating that they do not do business to Washington ramp still collected {$100.00} out of my account so thats making it a transaction that they obviously do do in the state of Washington that is illegal because of how I worded it to so far because I said I didnt accept any. I didnt receive anything for product services for from the merchant therefore they claim that that was an authorized transaction. Instead of explaining to me at the very beginning, what I can do to make it unauthorized which it was, and I have proven it was they just kept denying it letting me waste more time walking me. XXXX  themselves had admitted I should have received a refund which youll see in the attachments and the transaction should have never happened yet. They accepted that transaction by accepting the money out of my account therefore they did perform an illegal sell of crypto in the state of Washington. State they claim not to do business in. As well as sofi by granting them, my funds and allowing the cell to take place knowing that is illegal. I sent SoFi emails proving I asked XXXX how they got involved. How they received my information My transaction wasnt even started with them. your money is safe with SoFi. The dispute him is very unprofessional really rude and will make you feel stupid and cut you down and criticize you. I got to the point. I was so angry. I was talking over them which Im sure they were getting annoyed with well. They shouldve at the very beginning not let this transaction happen. Youll see any attachments below the screenshots of conversations with ramp saying they should have not accepted that transaction they should have refunded it right away so if I tell me, they didnt find anything that wrong with the investigation when in fact, I sent them multiple things stating that it was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I requested to close my checking account at Wells Fargo due to recurring overdraft fees. Despite my account being negative, additional transactions continued to be approved and posted, resulting in repeated overdraft fees. 

I contacted the bank to request a review and reversal of these fees and an explanation of why transactions were approved while the account was negative. The bank stated the transactions were already approved or preauthorized but did not provide detailed documentation or clarify how this aligns with their overdraft policies. 

I have had overdraft fees reversed in the past as a courtesy. In this case, my request was denied, and my account was closed immediately after I asked to close it due to the fees. 

I believe the fees are unfair and am requesting a review of the banks overdraft and transaction authorization practices.

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 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '', that is, competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, Transunion, Equifax ) from your company or any company that you request, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 { 15 USC 1962e }, therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Please note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. 
This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OK

Complaint narrative:
I guess I'm part of a widespread system migration error by MOHELA and it is beyond stressful. In the XXXX XXXX XXXX MOHELA transitioned my account to a new platform ( mohela.studentaid.gov ). During this transition, I was effectively locked out of my account several times. I had to call to make a payment and it was difficult then. Despite a 12-year history of near perfect, on-time payments, MOHELA has reported me as 90 days delinquent to the credit bureaus, causing my credit score to drop over XXXX points. From a XXXX to a measly XXXX due to the servicer. 
The servicer failed in the following ways : Lack of Access : I was never provided with functional login credentials or clear instructions on how to access my account on the new portal during the transition period.

Failure of Notice : MOHELA failed to provide legally required billing statements or delinquency notices. I have received nothing via USPS mail or email indicating a balance was due or that my account was at risk of delinquency. The address on the site is correct but I never once received a piece of tangible mail.

Violation of Due Diligence : Per 34 CFR 682.411, a lender must engage in specific collection and notification efforts. MOHELA skipped these steps entirely during their technical migration. 
What I am seeking as a resolution : I am requesting that MOHELA immediately place my account into a Retroactive Administrative Forbearance for this last years period. I would say which months but I'm not even XXXX percent sure. XXXX to XXXX? This status should be reported to the credit bureaus to replace the " XXXX delinquent '' mark with a " Current/No Payment Due '' status. I also request a formal letter of correction for my records.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
My credit report shows late payments with my student loan which was originally with XXXX then transferred to Mohela. The response I received last was that I need to contact Mohela but no one will respond or remove the inaccurate reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: AL

Complaint narrative:
I moved out of the XXXX XXXX XXXX in XXXX, Alabama, in XX/XX/year>. After I ended my lease XXXX month early and returned the key. After I moved out, I received a move-out statement saying that I owed {$1800.00} for charges like lawyer fees and damages. I was served by XXXX XXXX, or damaged my apartment. I have videos of the condition in which I left my apartment. I have told ProCollect this information and asked for an itemized list and debt validation for over XXXX months, andIi still have not received either. I have not received a letter, email, or call from ProCollect until I disputed the charge through the credit agencies. Everytime i speak with someone at ProCollect i am hung up on while I am asking for clarification on the charges and next steps. I have informed them of the fraudulent and illegal charges that they have collected, and they have not investigated this issue. I recorded my most recent call, l and the woman I spoke to confirmed that they had read my previous disputes, but they hadn't investigated and would say it is true and valid debt without an investigation. I have also escalated this issue, and it is now under investigation by the Alabama Attorney General 's office to help correct this wrongdoing.

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 2026-01-18 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: MD

Complaint narrative:
I submitted additional documentation requested to XXXX in XX/XX/XXXX for my XXXX XXXX XXXX XXXX. Since then, I have connected with multiple agents via chat who stated it was still under adjudication including XX/XX/XXXX and XX/XX/XXXX. I have proceeded to complete the process again when the agent from XX/XX/XXXX stated it would be best to delete the previous request. Now my payment went from {$350.00} a month to over {$900.00} with no reason.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I filed a dispute with chime regarding XXXX unauthorized transactions made to XXXX  XXXX  from my checking account And the Tag ID is XXXX XXXXXXXX The dispute ID is XXXX XXXXXXXX The dispute transactions were {$2.00}, {$26.00}, {$170.00}, {$230.00}, {$380.00} on XX/XX/XXXX. The Total amount of Dispute is {$810.00}. I submitted the dispute on XXXX XXXX but on XXXX XXXX i was notified that my dispute was denied this transaction were not authorize by me i did'nt share my log in credentials and did not give permission to anyone to access my account. At the time of transaction, I was not in control of my phone. I am requesting a re-review and further investigation, as this activity was fraudulent and cause financial loss

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: VA

Complaint narrative:
I am filing a complaint against MOHELA regarding ongoing student loan servicing errors and misinformation. MOHELA failed to properly service my federal student loans by providing inconsistent and incorrect information, delaying required processing, and failing to clearly explain my repayment and/or forgiveness status. 
I experienced unnecessary delays and confusion that caused financial and emotional stress. Despite multiple attempts to contact MOHELA, my concerns were not resolved, and I was given conflicting answers by different representatives. 
XXXX  actions have interfered with my ability to manage my loans properly and may have caused financial harm, including potential overcharges, delayed forgiveness, or incorrect account status. 
I am requesting that MOHELA correct my account, provide a clear written explanation of my loan status, and ensure compliance with federal student loan servicing requirements.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
This complaint is being submitted as a supplemental and corrective filing related to a previously submitted CFPB complaint concerning a cryptocurrency fraud incident involving Coinbase , Inc . It is not a new or separate incident. 

After further review of blockchain records and transaction data, I discovered that the total financial loss associated with this fraud was higher than what I initially reported. The updated total loss is approximately {$22000.00}, rather than the previously stated amount of {$21000.00}. This discrepancy resulted from additional transactions that were identified after the original complaint was submitted. 

I am also clarifying that the fraudulent transfers were not limited to transactions initiated directly through my Coinbase account. As part of the same social engineering scam and under the same deceptive instructions, I was coerced into transferring funds from my personal XXXX XXXX XXXX These XXXX-originated transfers were made under false representations and psychological pressure and are directly related to the same fraudulent scheme described in my original complaint. 

All transferswhether initiated through Coinbase or through my XXXX XXXX performed under deception and coercive manipulation. I did not intend to relinquish control of my assets, did not authorize any diversion beyond the initial transfers made under false pretenses, and did not benefit from these transactions in any way. 

This submission is intended solely to correct and clarify the record for accuracy and completeness. The nature of the complaint remains unchanged : this was a documented social engineering cryptocurrency scam, not an investment activity or voluntary transfer of funds. 

I respectfully request that this complaint be reviewed in conjunction with my prior CFPB filing and associated documentation. 

In addition, as part of the same social engineering scheme, I was pressured and instructed by the perpetrators to apply for a personal loan. I would not have applied for or accepted this loan absent the deception and coercive manipulation involved. The loan proceeds were used solely in an attempt to recover the fraudulently transferred assets and were transferred under false pretenses as directed by the scammers. I did not benefit from these funds and retained no control over them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, unauthorized ACH withdrawals were made from my Chase checking account by XXXX  XXXX to pay an account that is not in my name. I did not authorize these transactions and did not authorize any third party to use my bank account for this purpose. 

The unauthorized ACH debits occurred repeatedly over time, all associated with the same ACH originator, and total {$5800.00} across 37 transactions. 

XXXX  XXXX confirmed in writing on XX/XX/XXXX that I am not authorized on the XXXX  XXXX account associated with these payments and that the account does not belong to me. 

I reported the unauthorized ACH withdrawals to Chase and filed fraud claims ( XXXX and XXXX ). I submitted a sworn, notarized affidavit in support of my claims. Chase later advised that my original fraud packet was lost. 

To address this, I re-submitted a corrected notarized affidavit by fax and provided XXXX and USPS tracking confirmations. On XX/XX/XXXX, I contacted Chase ACH Fraud. Chase confirmed receipt of my affidavit and documentation but could not provide any determination, reimbursement, or substantive update, stating only that the matter remained under review with an estimated five-business-day timeframe due to the holiday period. 

As of the date of this complaint, Chase has not resolved the claims, has not reimbursed the unauthorized ACH withdrawals, and has not provided a substantive investigation outcome despite confirmed receipt of all documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am writing to formally complain and demand the immediate return of funds owed to me by Bank of America. 

This letter concerns closed credit card account number ending in XXXX, which currently has a credit balance of {$13000.00} that Bank of America is wrongfully holding. This money is indisputably mine. Your continued failure to return it is, at best, negligent and, at worst, fraudulent. 

Bank of America has now held these funds for over a month, without paying interest, without justification, and despite repeated requests for resolution. This has created an unnecessary financial burden on me and reflects a complete failure of internal controls and customer accountability. 

XXXX of events : XX/XX/XXXX : I contacted Bank of America and formally requested the release of my funds. I spoke with a representative named XXXX, who assured me the funds would be deposited into my bank account within a number of business days. 

After receiving no funds, I submitted a complaint through Bank of Americas Your Opinion Matters survey indicating the issue remained unresolved. 

XX/XX/XXXX : I followed up again and spoke with XXXX, who stated the funds would be deposited by XX/XX/XXXX. 

As of XX/XX/XXXX : The funds have still not been deposited, and no further communication or explanation has been provided. 

There is no legal or contractual basis for Bank of America to continue holding this money. Your failure to return it promptly, after multiple confirmations and assurances, is unacceptable. 

Demand : I demand that the full amount of {$13000.00} be returned to me immediately. If these funds are not released without further delay, I will pursue all available remedies, including legal action, to recover the money owed to me, along with any applicable damages, costs, and interest resulting from Bank of Americas failure to act. 

Please consider this letter a final attempt to resolve this matter amicably. 

I expect written confirmation and payment without further excuses.

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