vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing a collection account from Jefferson Capital Systems ( Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). Jefferson Capital sued me for this debt in XXXX XXXXXXXX XXXX ( Case XXXX XXXXXXXX ). On XX/XX/year>, they filed a Notice of Nonsuit, and XXXX XXXX XXXX signed an Order dismissing the case. Despite failing to prove the debt in court and formally withdrawing their legal claim, Jefferson Capital continues to report a balance of {$12000.00}. This is inaccurate and a violation of the Texas Debt Collection Act and the FCRA. I have disputed this with XXXX previously, but it remains. I am requesting immediate deletion as the collector has failed to substantiate the legal validity of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Nelnet, Inc.
State: NH

Complaint narrative:
Student loan Private student loan Firstmark Services In XXXX, I refinanced and consolidated my student loans into a private loan serviced by Firstmark Services. At the time, I was working in the public service sector and would have qualified for the Public Service Loan Forgiveness ( PSLF ) program had my loans remained federal. During the refinancing process, I was not informedclearly or at allthat by converting my federal student loans into a private loan, I would permanently lose access to federal protections and programs, including income-driven repayment options and Public Service Loan Forgiveness . This was a material omission that significantly impacted my financial future. The refinancing was presented as a responsible financial decision, primarily emphasizing simplified payments and cost savings. However, there was no meaningful explanation of the long-term consequences, specifically the irreversible loss of federal borrower protections and forgiveness eligibility. As a result of this transaction : * I lost eligibility for PSLF despite working in qualifying public service and nonprofit employment. * I have been repaying this debt for approximately XXXX years with no clear end in sight. * A substantial portion of my payments has gone toward interest, with limited reduction in principal. * I have been financially burdened far beyond what would have occurred under federal repayment and forgiveness programs. Had I been properly informed of the consequences, I would not have agreed to refinance my federal student loans into a private loan. I believe this situation reflects a failure to adequately disclose critical information and may constitute unfair or deceptive practices. At a minimum, I was not provided with the information necessary to make a fully informed financial decision. I am requesting that Firstmark Services : * Conduct a formal review of my loan history and the circumstances surrounding the refinancing. * Provide documentation of the disclosures that were given to me at the time regarding the loss of federal protections and forgiveness eligibility. * Offer any available options for relief, including but not limited to : * Settlement options * Any programs that may alleviate the long-term financial burden caused by this refinancing Additionally, I request that this complaint be formally investigated to determine whether proper disclosure standards were met. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing regarding a serious issue with how my account has been handled following a fraud case. There was a fraudulent charge on my HELOC account of {$4900.00} on XX/XX/year>. On the same day, I immediately disputed the claim as I had not made this charge. TD bank closed my account as a precautionary measure and made me a new account and confirmed that the charge would be cleared as initial investigations show that the charge is indeed fraud. However, instead of clearing the charge on the new account, the same fraud charge was transferred over despite the bank informing me that the charge would be cleared. After calling the bank, they told me they would clear it. However, weeks, months have gone by with little to no progress or indication of the charge being cleared. Additionally, as the account was closed, they also locked the account to be logged into from my phone and computer. Therefore, I had no method to checking on the progress of the charge and understand if the charge still remained posted. To make matters worse, interest was accuring on this fraudulent charge ( which was not cleared ) leading to me receiving documents regarding a potential foreclosure. As a immediate short term solution, I paid off the interest on a charge that I did not even make. I have made weekly visits to my local TD bank branch in XXXX XXXX for XXXX months, and have made weekly calls to the TD Fraud Department with the assistance of an employee at the branch. However, little to no progress has been made in reaching a resolution. I continuously keep getting transferred to different departments within TD Bank and/or they disconnect the call. This is more than just a fraud issue now. This is an account management and reconciliation problem. This situation is now reaching XXXX months now and I have yet to see the bank providing me with any sort of resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I'm announcing a lawsuit against Truist Bank.... Truist Bank and XXXX XXXX will be defendants in the case.I will subpoena the CEO of Truist Bank to court to hear the case... I will be representing my self ProSe in Federal Court.... This account experienced fraudulent activity a claim was filed and you denied it.... It's not my issue.... It your duty to investigate the claim.... You didn't properly investigate.... So I will let the federal court judge and federal legal system figure it out..... I'm not paying the XXXX.... I will be filing a complaint with the Attorney General for Virginia XXXX I will also contact the Banking regulator for your bank on your state..... I will be representing myself in court Prose.... Can you please connect me with the legal counsel for XXXX XXXX and Truist Bank XXXX I'm not paying {$280.00} ... I followed the correct steps and nothing was done..... It's now a legal matter.... Truist Bank and XXXX XXXX will be defendants .... Who is XXXX XXXX 's attorney and who is the legal counsel for Truist Bank.... If it's our of statue and they can't properly investigate and provide bank statements and claim file.... This needs to be removed from Early Warning.... This reporting isn't accurate... It's a violation of my consumer rights.... I will also contact the FTC and the police dept in my city about this.......

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Sofi changed the terms of their XXXX XXXX XXXX to require a XXXX XXXX monthly fee. I did not receive any notice of this change. When the unknown {$10.00} fee appeared on my bill, i called to dispute it. Sofi advised that it was their new fee. I immediately canceled the card and requested the {$10.00} charge be reversed. They refused. Therefore, I have been charged {$10.00} without notice and opportunity to cancel the card. This is a bait and switch - form of theft since they did not give me any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home 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: TX

Complaint narrative:
I am submitting this complaint regarding PHH Mortgage XXXX Onity Mortgage and the handling of my mortgage account, which is currently scheduled for foreclosure sale on XX/XX/year>. For several months, I proactively contacted PHH Mortgage to inform them that I was experiencing a temporary financial hardship due to unforeseen circumstances, including two automobile accidents that resulted in medical expenses and temporarily prevented me from working, as well as a death in my family. During this time, I made multiple attempts to seek assistance and was repeatedly advised by PHH Mortgage XXXX Onity Mortgage customer service representatives to wait until the following month to pursue a forbearance plan or payment arrangement because my new employment would be starting. I relied on this guidance in good faith. I have since learned that this information was incorrect and misleading, and it directly contributed to my loan advancing toward foreclosure without being properly reviewed for available loss mitigation options. At no point was I clearly informed that delaying action would put my home at risk or limit my ability to stop foreclosure proceedings. I am now fully back to work, my financial situation has stabilized, and I am able to resume my mortgage payments immediately. I have submitted a complete loss mitigation application, including documentation of my income and hardship. Despite this, PHH Mortgage XXXX Onity Mortgage representatives have informed me that nothing can be done to stop the foreclosure sale scheduled for XX/XX/year>. I have not received clear or adequate explanations, and I am concerned that my application is not being properly reviewed. I believe PHH Mortgage XXXX Onity Mortgage has failed to : Provide accurate and consistent information regarding my options Properly guide me through the loss mitigation process Adequately review my application despite my current ability to pay Act in good faith after I relied on their representatives instructions This situation has caused significant financial and emotional distress and has placed my home at immediate risk.

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> Amount : {$10000.00} CHASE prevented the use of available funds. I am filing a formal complaint against Chase Bank regarding an improper restriction that prevented me from completing a legitimate, time-sensitive transaction despite having sufficient available funds. I contacted Chase to request a temporary increase in my spending limit in order to pay for a freight shipment critical to my operations. At the time of the transaction, the full amount of funds was clearly reflected and available in both my online and mobile banking accounts. Despite this, the Chase representative ( XXXX ) refused to authorize or facilitate the transaction. I requested escalation to a supervisor ; however, the manager identified as XXXX XXXX failed to come to the phone or provide any support. No reasonable explanation or solution was offered. As a direct result of Chases failure : I was unable to complete a time-sensitive freight purchase My organization lost access to goods intended to help feed families in need I now face potential increased costs or loss of the opportunity entirely This situation reflects a serious breakdown in customer service, internal escalation procedures, and access to my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am a XXXX XXXX and I travel quite often due to military orders. my identity was stolen and fraudulent accounts were made in my name while serving my country. I contacted the credit bureaus, the accounts were reported on my credit profile using inaccurate and unauthorized address information. These accounts have been disputed before with the creditors but I received no validation of debt or chain of titles. I then filed a report with the XXXX postal inspection service for mail fraud. ( XXXX XXXX XXXX XXXX regarding mail fraud and misuse of address data. the company stated they could not send me any verification of debt which violates the fdcpa and the fcra federal laws. I am asserting identity theft and identity misattribution under federal law. I have also filed an ftc report for identity theft with ref # XXXX these accounts must be zero out and blocked from credit bureaus upon investigations is complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells fargo sausage they cancelled an acct made by me. That the acct was fraudulent and used fraud to use XXXX. I am XXXX and had nothing to do with that. I am getting married and they won't allow me to go on my husbands acct.

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 non-monetary relief
Consumer complaint received 2026-03-30 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: TX

Complaint narrative:
CFPB Complaint ( Ready to Submit ) Company : Wells Fargo Product : Checking Account / Debit Card Issue : Fraud or scam / Unauthorized transactions Complaint Description : On or about XX/XX/XXXX, I discovered XXXX unauthorized transactions on my bank account after reviewing my account activity. These transactions were conducted online through XXXX XXXX and were not authorized by me. The amounts of the fraudulent charges are {$550.00}, {$51.00}, and {$110.00}. I did not make or approve these transactions, nor did I provide my banking or debit card information to anyone. Upon discovering the unauthorized activity, I immediately contacted Wells Fargo and also visited a local branch to report the fraud. Despite my prompt reporting, my claim was denied/closed without what I believe to be a sufficient explanation. I am requesting that Wells Fargo provide documentation showing how they determined these transactions were authorized, as I dispute that conclusion. I am also requesting that the bank conduct a thorough and fair investigation in accordance with Regulation XXXX and reimburse me for the unauthorized charges. At this time, I do not have any suspect information. I have also filed a police report regarding this matter.

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 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered two inquiries on my credit report that I do not recognize and did not authorize. I have not applied for credit with these companies, yet my credit file was accessed, negatively impacting my credit score. I previously contacted the credit bureau and was told these inquiries would be removed, but they are still appearing on my report, which is causing unnecessary stress and concern.

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 2026-03-30 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:
I am filing this complaint regarding Wells Fargos handling of a disputed {$3900.00} credit card transaction from XXXX via XXXX on XX/XX/2026. On XX/XX/2026, while the transaction was still pending, I observed three identical pending charges for {$3900.00} and immediately reported them as fraudulent. I contacted Wells Fargo the same morning and requested that the charges be stopped. The card was closed. Despite this, one transaction for {$3900.00} was allowed to post. I followed up and the claim was denied. I requested reconsideration, submitted a police report and FTC identity theft affidavit, and the claim was reviewed multiple times. Wells Fargo ultimately concluded that the authorized user on the account made the transaction. This is incorrect. Neither I nor the authorized user made this purchase, and no merchandise was received. Additionally, no order confirmation, receipt, or shipping notification was received, which is inconsistent with a legitimate purchase made by an authorized user. On the same day as the transaction, there was a significant email flooding event involving over XXXX unsolicited emails. This is consistent with known fraud tactics used to obscure transaction notifications and account activity. XXXX confirmed the transaction was processed via Guest Checkout and is being reviewed as potential stolen credentials. XXXX also indicated that additional information may be available to Wells Fargo upon request through the appropriate dispute channels. Despite multiple reviews, Wells Fargo has not provided any documentation or evidence supporting its conclusion, including no shipping address, delivery confirmation, authentication method, or device/IP data. I requested this information, and it was not provided. In the absence of any detailed documentation, it appears that Wells Fargos determination may be based on basic transaction data such as a match of the authorized user name, billing information, or security code. However, this type of information can be obtained and used in fraudulent transactions and does not, on its own, demonstrate that a transaction was authorized by the cardholder or an authorized user. Wells Fargos final determination was made on XX/XX/2026 ; however, the corresponding written explanation was not received until significantly later, further limiting my ability to understand or respond to the basis of their conclusion in a timely manner.

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 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
The Company again rejected my payments in XXXX for the months of XXXX and XX/XX/XXXX, claiming that it could not take monthly payments unless I reinstated the loan. In the meantime, the Company 's attorney in the court filings claim that I did not make a payment for a long time and never made any efforts to pay, it is all lies. this entire default is the company 's own creation, the company blocks payments, makes the arrears bigger and bigger, this should be a crime. In XX/XX/XXXX, I filed both for Loan Modification and a short sale application. the company sent a letter stating that they denied the modification because I had applied for another program too, i.e. short sale. while the company was still holding an active sale date and postponing it, it took months for my real estate agent working with the XXXX, a buyer, an escrow company, there were offers, the company countered, the buyer accepted it, and kept waiting. Today, after months of waiting, the company responded by stating that it would not work with my agent or anyone he was representing, and therefore, canceling the short sale leaving me with no option but to let the company sell the house in auction. but what about the modification that they denied for offering another option, now, the modification is out too??? I have also listed the hose on the market, but no one wants to make an offer knowing that there is a sale date scheduled for XX/XX/XXXX. Here is my issue, why would the company block my payments, reject any payments I make, cancel the short sale at the last minute after making everyone work for months, and now, XXXX days before the sale ( XX/XX/XXXX ), the company tells me that I have no other option because there is not time. The Company doesn't offer me time to appeal this decision. when I asked for time to appeal this decision, the company told me no, either reinstate the loan or it would get sold on XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation