vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
XXXX XXXX has passed my debt to CONTRACT CALLERS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been contacted by the agency. I can just see the info on my credit report. This was reported XX/XX/year>. {$520.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am submitting this complaint regarding the servicing of my FHA-insured mortgage loan and repeated denial of mortgage assistance despite my active cooperation and attempts to resolve the delinquency. My hardship began following my divorce due to an interruption in court-ordered child support income, which temporarily affected my ability to remain current on my mortgage. My employment income has since stabilized, and I have repeatedly informed the servicer that I am able and willing to resume my contractual mortgage payments. I was initially approved for a mortgage modification ; however, the documents were repeatedly returned to me due to alleged notary signature placement issues. I corrected and resubmitted the documents multiple times in good faith. Despite my efforts to comply, the modification was ultimately treated as incomplete or failed. Since then, I have received multiple and changing denial explanations, including : * tax-related issues, * Credit Alert Verification XXXX XXXX-related issues , * and later being told I was ineligible because I allegedly failed to complete a prior modification offer. My federal taxes have since been filed and resolved. However, the servicer continues to deny assistance without clearly explaining the specific federal issue or XXXX item that is allegedly preventing eligibility. Additionally, after attempting to resume payments, at least one mortgage payment was returned to me by the servicer rather than accepted toward my account. Foreclosure proceedings have now started despite : * my repeated efforts to cooperate, * active appeals, * multiple completed submissions, * and ongoing requests for FHA home retention review. I believe my account requires a manual escalated review because the prior modification failure was procedural and related to document execution issues, not refusal to pay or inability to afford the home. I am requesting : 1. A complete written explanation of the exact XXXXCredit Alert issue preventing approval. 2. A manual FHA loss mitigation review, including review for FHA home retention options and Standalone Partial Claim eligibility. 3. Review of whether the prior modification should have been classified as failed given the repeated document correction issues. 4. A temporary foreclosure hold while these unresolved servicing and eligibility issues are investigated. This property is my primary residence. I have substantial equity in the home, stable employment income, and remain committed to retaining the property and resolving the delinquency. Sincerely, XXXX XXXX XXXX

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 2026-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
To Whom It May Concern : I am filing this formal complaint against Wells Fargo Bank , N.A . regarding an unfair, deceptive, and abusive business practice. The bank is attempting to rescind a written remediation agreement that was issued following a severe breach of my consumer rights. The Facts of the Case : Wells Fargo committed an egregious operational failure by mistakenly drilling open my safe deposit box and removing my personal property without my knowledge or consent. To settle this severe error, Wells Fargo issued an official, formal letter of resolution. To remedy the unlawful drilling of my box, the bank explicitly stated in writing that my safe deposit box would be provided at no cost, and that no annual fee would be assessed for the life of the box. I accepted this remedy in good faith and relied entirely on Wells Fargos permanent, written promise to maintain my valuables there securely. The Deceptive and Abusive Practice : Wells Fargo has now notified me that they will no longer honor this lifetime agreement. They claim they are updating their terms, will no longer provide the box at no charge, and are demanding that I open a separate deposit account with them to maintain the lease. This is not a standard fee dispute. This was a specific, legally binding corporate remediation meant to resolve a severe case of bank negligence. Forcing a consumer into a bait-and-switch scenario by rescinding a " lifetime '' written correctionespecially XXXX tied to the wrongful drilling of a safe deposit boxis inherently deceptive. Furthermore, conditioning the continuation of my existing lease on the requirement that I open a new bank account constitutes predatory account bundling and coercion. Desired Resolution : I request that the CFPB intervene and compel Wells Fargo to honor the exact terms of their original written remedy : to maintain my safe deposit box at no cost, with XXXX annual fees, and without requiring me to open any additional, unwanted bank accounts for the duration of my lease. I have attached a digital copy of the original letter from Wells Fargo explicitly granting this lifetime waiver. Thank you for your immediate attention to this abusive banking practice.

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo customer for 8 years. This is my first bank account in the XXXX, and I have maintained a completely clean history with no overdrafts or prior monthly service fees. Starting XX/XX/2025, Wells Fargo began charging me a XXXX XXXX monthly service fee after my balance fell below the new {$1500.00} minimum daily balance requirement. The policy change raising the minimum balance from {$500.00} to {$1500.00} and increasing the fee from {$10.00} to {$15.00} was not clearly communicated to me through any dedicated mail, email, or prominent notice. I only became aware of the charges after they had already posted on my statements. Wells Fargo previously issued a partial refund, but continued to charge the monthly fee. The total disputed amount is now approximately {$60.00} ( including the most recent {$15.00} fee ). I previously filed a CFPB complaint. Wells Fargos XXXX office contacted me and referenced Wells Fargo case number XXXX. I also spoke with an escalation XXXX, who stated that the bank is firm and will not refund the fees, providing no new explanation beyond their previous response. The previous CFPB complaint was closed by Wells Fargo with the statement that no new explanation was received. This ongoing refusal is unfair to a long-term loyal customer who did not receive adequate notice of the major policy changes. I am requesting a full goodwill refund of all disputed monthly service fees ( {$60.00} ) as a one-time courtesy for my XXXX relationship. If Wells Fargo continues to refuse a full refund, I am prepared to file a claim in small claims court in XXXX XXXXXXXX XXXX to recover the fees plus court costs. Please require Wells Fargo to provide the full refund and confirm the resolution in writing.

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 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I purchased a bed through a third-party seller on XXXX and XXXX for the bed via Affirm. The original price of the bed was {$930.00}. With taxes, the price of the bed was {$1200.00}. After financing and if payments were made for the full term of the loan the final price was {$2000.00}. The problem began when the bed I received was not the bed that I ordered the third-party seller was refusA firm is stating that there was no interest placed on this loan and that I must pay the balance of.ing to acknowledge and carry through their obligation to provide me with a paid return label. I had to file complaints with both Affirm and XXXX in order to get them to follow through. They finally sent a refund for the original price of the bed of {$1200.00}. A firm is stating that there was no interest placed on this loan and that I must pay the balance of {$730.00}. Ive spoken with them twice trying to explain to them that the original cost of the bed was {$1200.00} and that that was refunded. They informed me that was not a refund that is an adjustment and I still have to pay the difference. I have had many loans with a firm many of which I have paid off early and I did not have to pay all the interest if I paid it off early which in my opinion is the same thing that happened here. when I filed the complaint with them, they acknowledged that I had a valid complaint. If I had paid this loan off myself, I would not be paying this interest so I do not understand why when theyve been sent a refund for the original price of the bed that I am still liable for all the interest for the full term of the loan. I feel this is Fraudulent and predatory behavior. And requesting assistance in this being resolved. When I asked if this wasnt interest owed then why was the bed only {$1200.00} and the representative did not answer that question.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX i visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX was scheduled a followup appointment for XXXX weeks later, During the XXXX weeks, there were no visiible resilts. When i mentioned this to the injector, she first stated that we didnt do those areas even though we did treat those areas. She injected more product and split the additional cost with me, however weeks later, there were still no visible results. I disputed the charge for {$490.00} on XX/XX/XXXX and the additional charge of {$72.00} on XXXX. USAA removed the charges, however on reinstated the charges after an investigation. I provided photos of the lack of visible results with a time stamp. On XX/XX/XXXX i had these serviced repeated with a new injector at a new buisness, as a result and paid an additional {$1000.00}.

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 explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IN

Complaint narrative:
My PSLF application was filed XX/XX/XXXX before the XX/XX/XXXX limited PSLF waiver deadline. On XX/XX/XXXX, my servicer MOHELA denied my Income-Driven Repayment plan request citing missing income documentation but provided no follow-up, no clear resubmission instructions, and no IDR plan was ever established. This left me on Standard Repayment, preventing accumulation of PSLF qualifying payments. When the COVID payment pause ended XX/XX/XXXX, I attempted to contact MOHELA multiple times by phone and could not reach anyone. A XX/XX/XXXX U.S. Senate investigation documented that MOHELA implemented a call deflection scheme affecting XXXX XXXX borrowers, and the Department of Education withheld {$7.00} XXXX from MOHELA in XX/XX/XXXX for failing to send billing statements to borrowers. My experience is consistent with this documented national pattern. MOHELA placed my account in on-ramp forbearance but communicated this poorly. My credit report reflects negative marks from XX/XX/XXXX through XX/XX/XXXX, including months when MOHELA confirmed in writing ( XX/XX/XXXX ) that no delinquency would be reported. MOHELA then transferred my loans to a new servicer without clearly notifying me. I discovered the transfer only through my credit report. The same Senate investigation found MOHELA 's failure to give advance notice of transfers contributed to nearly XXXX XXXX credit reporting errors affecting hundreds of thousands of borrowers for up to XXXX years. An active PSLF Loan Forgiveness and Discharge case was opened by XXXX in XX/XX/XXXX processing my forgiveness application. I was never notified. During 16 months of undisclosed active PSLF processing, my account reached 120 days past due. I have filed FSA Ombudsman complaint Case XXXX regarding XXXX 's role. This complaint addresses MOHELA 's specific servicer failures.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, i have made comments about this before also complaining about this bank., I am going to be brief about the general problem. I live in XXXX I am a XXXX XXXX my capital one bank is in XXXX, that being said. If I encounter a problem ( in this case XXXX DENIAL DISPUTE CASES ) I expect reps from XXXX to fix the problems because they understand more the possibilities and life style in XXXX. Capital one like many other businesses now a days have phone reps overseas and as a result I keep on LOOSING MY MONEY because they close dispute cases against me., even tho they have EVIDENCE that support the cases on my favor., I am tired tired of dealing with this., so I decided to open a bank account at XXXX XXXX who XXXX believe ( I was told I specifically ask ) Their phone reps are in XXXX and that XXXX to me., Now at this point of my life I do not care if my complaint is wrongly understood because of the political world situation thats happening but has nothing to do with that., I need you! CFPD to understand the problem that I am referring to. Now Lets talk about the actual problem with the bank. I have XXXX dispute cases that were finalized against me so in total I am loosing {$890.00} Despite the fact that I have provided evidence to the bank on each case., they are still REFUSING TO GET MY MONEY BACK. This XXXX provoke a law suit if I dont get my funds before I decide to ONCE AND FOR ALL STOP USING THIS BANK., since they cant provide agents that can make a decision correct when theres evidence. I am going to send you evidence of the emails I send of the cases ( XXXX ) I will also send you additional one email of each case providing limited evidence, ( meaning I wont send you all evidence I send to them cause it a long file unless you later will request that from me ). I want to clearify again 1.-sending one photo that includes the emails I send to the bank with each case number on them 2.-I am sending one photo of each one of those 3 claims ( meaning 3 additional photos ) that support the claim. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
In XXXX, I bought out my XXXX vehicle lease through a dealership in Connecticut. My new lender, XXXX XXXX, fully paid off the vehicle based on Infiniti Financial Services ( IFS ) official payoff quote. XXXX XXXX subsequently issued a formal Lien Release to me, confirming the debt was fully satisfied.Now, eight years later, IFS is refusing to release my physical vehicle title unless I pay an un-itemized, arbitrary fee of $ XXXX.I am a resident of New York . I believe withholding a vehicle title to coerce payment on expired, unbilled fees is an unfair and deceptive practice.I have acted in good faith and informed IFS of the notarized Lien Certifi

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: KS

Complaint narrative:
Received emails to Junk folder trying to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citibank AAdvantage XXXX recordkeeping and audit-trail problem with your Citi AAdvantage credit card statements specifically that older statements no longer show a running/post-transaction balance after each charge or credit, making it difficult to independently verify reversals, adjustments, disputes, or credited-back charges. That concern is legitimate because a running balance historically allowed cardholders to : trace disputed transactions step-by-step, verify reversals and refunds, confirm interest calculations, identify duplicate charges, and detect missing credits or accounting errors. Without a running balance, you often have to reconstruct the account history manually. Request complete transactional ledger history from Citi, not just statements. We specifically need : running balance ledger, dispute adjustment history, authorization reversals, and archived account transaction logs. I have noticed over the years a lot more complaints on this very subject have risen tremendously

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/XXXX : I submitted a payment for a hired vendor for an event. XX/XX/XXXX : I filed a dispute with the credit card company for the vendor payment, due to repeated failure of the vendor to respond to our communications. XX/XX/XXXX : Dispute was resolved/denied by credit card company because injury had not yet occurred. XX/XX/XXXX : Injury occurred. XX/XX/XXXX : I submitted 108 pages of further documentation to the credit card company to support my dispute and prove that injury occurred. Documentation included further failures of vendor to respond to my communications as well as evidence that the business had closed and could not have rendered services. Contract signed with vendor ( XX/XX/XXXX ) stated that total payment should be commensurate with services rendered ( XXXX ). XX/XX/XXXX : Credit card company alerted me that the original outcome of the dispute could not be amended. XX/XX/XXXX : I called the credit card company to find out more information. The resolutions department refused to offer any explanation of the outcome and insisted that the documentation review team needed " more documentation '' to open the case again. They refused to elaborate on what constitutes sufficient documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Subject : Second Formal Complaint Mortgage Servicing Transfer and Credit Reporting Concerns To Whom It May Concern : This correspondence serves as my second formal written complaint regarding ongoing concerns associated with the transfer and servicing of my mortgage account following its transfer to PNC Mortgage on or around XX/XX/year>. To date, I have made multiple attempts through customer service channels and prior written correspondence to resolve this matter. Despite these efforts, I remain concerned about the apparent absence or inconsistency of mortgage reporting associated with my account. Approximately XXXX months have now passed since the servicing transfer, and the prolonged lack of accurate reporting is negatively impacting my credit profile and financial standing. My mortgage payment history and long-standing housing obligation are not being properly reflected on my credit reports. Mortgage reporting is a significant factor in evaluating creditworthiness, payment history, lending decisions, and overall financial stability. As a consumer who actively works to maintain strong credit, I am deeply concerned that this reporting gap may adversely affect my ability to qualify for future financial opportunities. I respectfully request written clarification regarding the following : Whether PNC Mortgage is currently furnishing payment history and account information to the major consumer reporting agencies ; If reporting has not occurred, the reason for the delay or interruption ; Whether prior payment history from the previous servicer was transferred accurately and completely ; The anticipated timeline for correcting any reporting deficiencies ; and Whether any retroactive reporting will be submitted to reflect my positive payment history during the servicing transition period. I also request that this matter be reviewed thoroughly to ensure compliance with all applicable consumer reporting and mortgage servicing obligations. Please provide a written response outlining the status of this matter and any corrective actions being taken. I would appreciate resolution as soon as possible. Thank you for your attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I used my card for a purchase at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX Texas, XXXX. The first purchase of XXXX did not go through. When I arrived home I checked my statement cause the money was originally on there, and even though it didnt process correctly I was still charged. Ive gone to my bank Chime, at least 3 times, and each time they said to ask the merchant for the money. Ive met with people at the store at least 5 times over the last 6 months and now they are saying they wont do anything either.

Company response to consumer: Closed with explanation