vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I requested a {$240.00} refund for an overpayment on XX/XX/year>. I contacted customer service on the same date and stated that the refund would take 90 business days. I followed up a couple of months later, and they stated that a refund had been requested and that I should continue to wait. I contacted Mohela for 2 years about this, and I spoke with several supervisors who said they would escalate it, and I sent two messages on the Mohela website with a response to wait for 90 business days. I still haven't received my refund.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing the accuracy of the Resurgent account on my credit report. The payment history and account details appear to be inaccurate and/or incomplete. I request a full investigation into this account, including verification of the reported late payments, balance, and charge-off status. Under the Fair Credit Reporting Act, all reported information must be accurate and verifiable. If this account can not be properly verified, it must be removed. Please investigate and correct or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed my consumer and business credit cards last night with no notice to me. I called Chase last night after I attempted to use both cards last night and they were declined. The Support Service agent with Chase had no information to provide as to why both accounts were closed, except he did confirm that the bank had closed both. He provided a phone number for me to call today ( during normal business hours ) to learn why the accounts were closed. I called the number and was greetd by a voicemail - and later learned that this is only an internal number for Chase employees to use. Then tonight I received a letter from Chase stating that my accounts were closed due to me exercising my legal rights to contest inaccurate charges for a foreign-based company that charged my company card {$800.00}, numerous times, over the past few weeks without ever providing any services. Chase has retailated against me for using the Fair Credit Billing Act to exercise my legal right to dispute wrong charges. I wish for the CFPB to fine Chase and I am considering bringing a lawsuit against Chase for this wrongful conduct. Chase handled this entire matter wrongfly from the beginning - from closing the account after a victim reported erong charges, to failing to advise me of the closure in a timely manner, to Customer Service not providing me with information, to Chase failing to remedy the situation when it was brought to their attention today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I requested a deferred payment on my car loan that I have with One Main Financial in XXXX XXXX Tx, an Auto Loan. Full payment is {$590.00}, half or deferred payment being {$290.00} which was paid in full on XX/XX/XXXX. I signed the paperwork showing a deferred payment, but a stop payment for the regular {$590.00} was never done. My bank account as of XX/XX/XXXX is now overdrafted, and I called One Main to fix this. I was told to email over my bank statement and the money would be refunded and deposited back into my account same day. I called back later the same day, XX/XX/XXXX, and asked why this hadnt been completed as I did email the statement over .. and another One Main worker told me this was NOT how things work, to bad, and that Id have to fix it with my bank another way. I dont know WHY I was told otherwise, I dont know WHAT incorrect information other people have been given by this branch.. but this isnt the first time this has happened with them. They are refusing to help me after giving me the run around all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I am writing to file a formal complaint against PayPal for a violation of 12 CFR 1005.11 ( c ) ( 1 ) regarding its failure to conduct a reasonable investigation of an unauthorized electronic fund transfer. Around XX/XX/XXXX, two unauthorized transactions totaling {$330.00} ( {$300.00} and {$32.00} ) were initiated via a third-party account takeover of my XXXX account, which is linked to my PayPal billing agreement. These funds were diverted to an unauthorized third-party recipient, XXXX XXXX XXXX at an address in XXXX, TX. This activity is entirely inconsistent with my verified account history and primary residence in XXXX XXXX DC. Since XXXX, I have maintained a consistent subscription with this merchant with monthly charges strictly below {$90.00}. I never authorized any transactions exceeding {$300.00}, nor did I authorize delivery to a different state. To support my claim, I provided PayPal with my billing statements and the police report number I filed with the local department in Texas. Despite this evidence, PayPal summarily denied my error disputes under Case IDs XXXX and XXXX. On XX/XX/XXXX, I received a final decision stating the claim was denied because the transactions were part of a previously established billing agreement. When I attempted to resolve this, PayPals support team explicitly instructed me that I must re-file these unauthorized charges as a merchant dispute for " items not received, '' which required me to falsely admit the charges were authorized. By forcing this misclassification, PayPal is attempting to strip me of my Regulation E protections and move the case into the realm of a simple contractual dispute to shield itself from liability. This summary denial based on prior merchant transactions is a direct violation of the reasonableness standard required by law. Regulation E mandates that an investigation must include a reasonable review of relevant information within the financial institutions own records. In the matter of XXXX, the Bureau found that a financial institution fails to conduct a reasonable investigation when it summarily denies error disputes based on prior transactions with the same merchant while ignoring other relevant information, such as the consumers assertion of fraud or the discrepancy in transaction amounts. PayPals conduct mirrors the behavior prohibited in that enforcement action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding improper loan servicing during an active Public Service Loan Forgiveness ( PSLF ) review. I made my 120th qualifying PSLF payment in XX/XX/XXXX and submitted my PSLF application. One of my loans has already been forgiven using XX/XX/XXXX as the final qualifying payment. My remaining loans have identical repayment histories and should also qualify, but they are currently under PSLF reconsideration review ( Case # XXXX ). Despite exceeding 120 qualifying payments and having an active PSLF review, Aidvantage has continued to treat my remaining loans as delinquent. Timeline of events : XX/XX/XXXX : 120th qualifying payment made and PSLF application submitted XX/XX/XXXX : One loan forgiven; remaining loans show 119 payments XX/XX/XXXX : PSLF reconsideration request submitted XX/XX/XXXX : Began receiving delinquency notices XX/XX/XXXX : Requested administrative forbearance multiple times XXXX XXXX : Aidvantage refused administrative forbearance and instructed me to continue making payments or apply for borrower forbearance XX/XX/XXXX : Received seriously overdue notice with default warnings Aidvantage has : Refused to place my account into administrative forbearance while PSLF review is pending Continued to treat my loans as delinquent despite my eligibility Provided incomplete and misleading information about my obligations Directed me to continue making payments after exceeding 120 qualifying payments This situation reflects a servicing error and lack of coordination between PSLF processing and loan servicing. I am being treated as delinquent despite having already met the requirements for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a {$410.00} check via ATM at Wells Fargo. The ATM rejected the check and did not return it. I went to the bank on XX/XX/XXXX and spoke with a banker who told me the check would be processed by Wednesday XX/XX/XXXX. On XX/XX/XXXX, the funds still had not been deposited. I returned to the bank and was told that we needed to file a claim to report the problem and request a credit to my account. The problem here is that the process of fulfilling this request will take up to 2-10 additional business days for the funds to be released. This delay has caused significant financial hardship. I need these funds to pay bills and operate my small business. The ATM error was not my fault, and the extended processing time is unacceptable. I am requesting that Wells Fargo expedite the release of my {$410.00}

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 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX I had an autopay that was set to the wrong account. I contacted American Express that day to fix it. I was redirected four times while trying to make the payment from the correct account. The staff member was became agitated and I believe committed fraud. 3 days later my account was locked. I contacted them and was told a 4 day hold was placed on the account. 3 days after that my account was still locked. I contacted them and was told a 4 day hold was placed on the account. 3 days after that my account was still locked. I contacted them and was told a 4 day hold was placed on the account. I made the correct payment at this point and it posted and the credit card bill was payed. I tried to fix the payment on each of these calls. 3 days after that my account was still locked. I contacted them and was told a 4 day hold was placed on the account and it would be released XX/XX/XXXX. On XX/XX/XXXX I received word my account was being locked again for an unknown duration for an account review. I was repeatedly lied to about the duration of the initial lock. I am now being locked out of my card for an untold period of time for never missing a payment. I am paying XXXX dollars a year in credit card fees for cards I have been unable to use for 10 % of that period. Amex committed fraud by repeatedly lying about the duration, refusing to transfer me to correct representatives, and repeatedly lied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Winklevoss Exchange LLC
State: MD

Complaint narrative:
I have tried creating an account with XXXX XXXX exchange. Once I got signed up and verified it signed me out and wouldnt let me log back in. I never got notification on why. I then decided to try to set up a new account using a different email to see if this would help. But it did not. I think it made the situation worse. I have done this quite a few times hoping I can use the crypto exchange. I am hoping I can get something done with this soon. I really would like to use this exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am sending this letter in response to a letter you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that 1 am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 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: CA

Complaint narrative:
On XX/XX/XXXX, I paid {$170.00} at XXXX XXXX in XXXX for a box of chocolates. Upon returning to the United States, I discovered the chocolates were infested with XXXX and not fit for consumption. Because the merchant is located in XXXX, I contacted them via XXXX using the number provided on the packaging. The merchant initially offered a replacement shipment, which I accepted. However, they later stated they could not reship the item and instead requested my bank details to process a refund. After providing the requested information, over two weeks passed with no refund issued and no resolution. Due to the delay, I contacted Wells Fargo to dispute the charge as defective merchandise. However, the bank denied my claim, stating that the transaction was valid because it was authorized with my card. This response does not address the actual issue, which is that the goods received were contaminated and not as described. On XX/XX/2026, Wells Fargo informed me they would remove the provisional credit of {$170.00} previously issued. I believe this dispute was improperly evaluated as an authorization issue rather than a defective merchandise claim under applicable card network rules. I am requesting that this matter be properly reviewed and resolved.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have closed my bank account and the bank reopened it overdrafted the account and charged me fees when a previous debit tried to process

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 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: MA

Complaint narrative:
CREDIT COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Subject : Request for Debt Validation, and original purchase agreement To whom it may concern, I am writing in response to your recent communication regarding the debt you claim I owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that you provide me with a validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1. The amount of the debt, including any interest, fees, or other charges. 2. The name of the original creditor and a statement that you are authorized to collect the debt on their behalf. 3. A copy of the original signed agreement or other documentation that shows I am legally obligated to pay the debt. 4. A detailed payment history showing how the debt balance was calculated, including any adjustments or payments made. 5. Original purchase agreement. Please be advised that, under the FDCPA, you must cease collection activities until you provide the requested validation. If you fail to provide adequate validation, I will consider this debt invalid and dispute any claims made. Thank you for your prompt attention to this matter. Please send the requested documentation to my address above. Sincerely, XXXX 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 2026-04-15 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: Chime Financial Inc
State: CA

Complaint narrative:
Numerous charges to my chime checking over months in small XXXX 's XXXX then after I deposit the withdrawal attempts go up and are granted multiples and a majority are fake company 's starting with XXXX * ( anyname ) chime has only given me XXXX of XXXX taken over months and even after changing card continues the claim is open and under investigation no other info given or updates no responses at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, National Debt Relief contacted me and stated that I had been a strong customer with a flawless payment history. During that conversation, I was informed that I qualified for a loan through XXXX XXXX and that I only had three remaining accounts in the program. I was told that National Debt Relief would transition my account, finance the remaining balances through the loan, and complete the program within approximately two months. Based on these representations, I understood that my remaining accounts would be resolved in a timely manner. However, despite these discussions, I ultimately did not move forward with the loan process. Beginning in XX/XX/XXXX, I started requesting updates on the status of my remaining accounts and an estimated timeline for completion. Over the course of multiple written communications, I repeatedly asked for specific information, including the current status of each account, details of negotiations, recent creditor contact, and a realistic timeframe for resolution. Despite these repeated requests, National Debt Relief has consistently provided vague and generalized responses, such as stating that accounts are being worked on or in active negotiation, without providing meaningful details or timelines. In XX/XX/XXXX, I was informed that the most recent contact with a creditor occurred on XX/XX/XXXX. However, the company refused to identify which specific account was contacted or provide any details regarding that communication, including whether any progress was made or if any settlement offers were discussed. National Debt Relief has also acknowledged that the process has taken longer than originally communicated and that there are delays related to creditor responsiveness. However, they have been unable or unwilling to provide a clear timeline for resolution or a defined action plan moving forward. As of now, we are well beyond the original two-month timeframe that was communicated to me in XX/XX/XXXX, and I still do not have a clear understanding of when my remaining accounts will be resolved. The lack of transparency and failure to provide specific, requested information has made it impossible for me to effectively plan my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NJ

Complaint narrative:
On XXXX XXXX I was scammed by a guy claiming that if i send a {$4000.00} it would be held as a deposit for an apartment but the problem is there was no apartment and he ran off with the money and refused to return it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally document a concerning experience I had today regarding my account. I contacted your office to make a good faith payment toward my balance. During the call, the representative refused to accept my payment, would not transfer me to a supervisor when requested, and kept me on the phone for approximately 45 minutes despite me explaining that I had to be at work. This was extremely frustrating, especially since I am actively trying to bring my account current. I also previously submitted a complaint regarding excessive calls, and I am concerned that this may have influenced how my call was handled. I was eventually able to make a payment, but the experience was unprofessional and unacceptable.

Company response to consumer: Closed with explanation