vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AL

Complaint narrative:
I have five months that should count as eligible and qualifying toward my Public Service Loan Forgiveness ( PSLF ) contract. However, Mohela refuses to do what they said and are supposed to do. Evidence is on the attachment. 

XXXX. Starting in XX/XX/XXXX, Mohela placed me in arbitrary forbearances while they were fooling around and failing to bill me so that I could pay my student loan payments. Other borrowers had these forbearances count as eligible and qualifying towards their PSLF ; so should I. However, Mohela refuses to acknowledge, respond, or report these payments as eligible and qualifying to the Federal Student Loan ( FSA ). This violates the PSLF policies and constitutes fraud. 

XXXX. Mohela billed me for XX/XX/XXXX and I paid the loan payment. However, at the end of XX/XX/XXXX, Mohela retroactively put me in forebearance for no reason. Mohela kept my payment yet claims it doesnt qualify or isnt eligible for PSLF because no bill was due. This is theft and fraud. 

These five months of payments are preventing me from receiving the forgiveness that was due me in XX/XX/XXXX, and will require me to return to work for the XXXX school year. I am XXXX XXXX XXXX with health issues and need to retire. 

Thank you in advance for your assistance in dealing with this fraudulent loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XX/XX/year>, my homeowners insurance policy with XXXXXXXX was canceled by the insurer without my awareness, and I did not receive or notice the cancellation notice at that time. As soon as I became aware that coverage had lapsed, I immediately obtained a new homeowners insurance policy with continuous coverage going forward and provided proof of insurance to Chase. Despite this prompt corrective action and the absence of any intentional lapse, Chase charged approximately {$2000.00} for lender-placed insurance for a short past period. 

During my discussions with Chase, I was advised to attempt to obtain retroactive insurance coverage for the prior period and was told that some insurers might be able to provide this. I contacted five or more insurance providers, all of whom advised that retroactive homeowners insurance for a past coverage period is not available. I subsequently requested a waiver or adjustment of the lender-placed insurance charges ; however, my initial request was denied without a clear explanation of the criteria or rationale used in reaching that decision. 

For context, my standard homeowners insurance premium is under {$1000.00} for a full 12-month policy, while the lender-placed insurance charge of approximately {$2000.00} was assessed for roughly five months of coverage, which appears disproportionate to the actual cost of comparable insurance. 

I have otherwise maintained excellent standing on this mortgage and all related accounts, with a strong credit history and timely payments throughout, and I am seeking a fair and transparent resolution to this isolated issue so the account can continue without dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was called supposedly by Experian , phone number XXXX, stating someone was opening accounts in my name, and wanted my info to close them. My husband made me hang up as he suspects it is a scam but the FTC doesnt take these reports so Im reporting it to you to help protect others.

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 2026-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I am filing this complaint regarding the unlawful re-aging and misreporting of a consumer debt, resulting in false credit reporting, deceptive collection practices, and violations of federal and New Hampshire law. 
The original service date for the alleged debt is XX/XX/XXXX ( XX/XX/XXXX ). However, the debt was improperly re-aged and re-dated to XX/XX/XXXX ( XX/XX/XXXX ) by the collection agency, XXXX XXXX XXXX, and subsequently reported by XXXX  and Experian. 
This alteration falsely represents the legal status and age of the debt and appears designed to evade statutory limitations and extend reporting and collection activity unlawfully. 
Detailed Facts The original service giving rise to the alleged debt occurred in XX/XX/XXXX. 
No new service, contract, or obligation occurred in XXXX. 
Despite this, the collection agency changed the date associated with the account to XX/XX/XXXX, effectively re-aging the debt. 
XXXX  and Experian accepted and published this inaccurate information. 
This re-aging makes the debt appear newly delinquent and within statutory collection and reporting periods when it is not. 
I dispute the accuracy of this reporting and assert that the date of first delinquency was unlawfully altered. 
Violations of Federal XXXX Fair Credit Reporting Act ( FCRA ) : 15 USC 1681s-2 ( a ) ( 5 ) prohibits a furnisher from changing the date of first delinquency to a later date.

15 USC 1681c ( a ) ( 4 ) and ( 5 ) limit reporting to 7 years plus 180 days from the original delinquency date. 
Re-aging the debt constitutes false credit reporting and a direct violation of the FCRA. 
Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX XXXX prohibits false or misleading representations regarding the legal status of a debt. 
Re-aging a debt to make it appear legally enforceable or collectible when it is not is a deceptive collection practice. 
Violations of New Hampshire Law RSA 508:4 New Hampshire imposes a three-year statute of limitations on personal actions, including consumer debt collection. Altering dates to evade this limitation is unlawful.

RSA 358-A ( New Hampshire Consumer Protection Act ) Re-aging and misrepresenting the age and enforceability of a debt constitutes : A deceptive act A misrepresentation of legal rights An unfair or deceptive trade practice This conduct qualifies as state credit fraud and consumer deception under New Hampshire law .

Harm Caused False damage to my credit profile Exposure to unlawful collection activity Ongoing risk of improper legal action based on falsified dates Time and expense spent disputing knowingly inaccurate reporting

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 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I bought a laptop in XXXX with a promotional balance. The computer trackpad stopped working. I brought it in XXXX plus times to get it fixed and it never worked. Eventually I was able to junk it with geeksquad and used the credit on a new computer in XX/XX/XXXX. I got charged over {$1000.00} because the promotion ended on the XXXX computer. I called citi bank and was told to contact best buy. I went to Best Buy and they said they were unable to help me but was told to contact best buy cooperate. They also said they couldn't help me and I should contact citi bank again which I did today. They said they can't help me and that the only way they could help me is after I paid a certain amount of money, that they could help with the fees. I was never told that the promotional balance on the XXXX computer needed to be paid.

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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
So about XXXX weeks about I was ordering some clothes from this clothing brand and I was told they would give it to me after I sent the money to them it was {$70.00} dollars. So after I got the money I sent it to them and then I got no response no anything the clothes arent here so naturally I submit a dispute to cashapp to get my money back I give them screenshots of me and the person conversation and all the evidence they would need and XXXX  days go by and today XX/XX/year> they tell me they are unable to refund me because they can no confirm that the {$70.00} XXXX sent was apart of a scam even tho I sent them proof

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint to formally dispute the inaccurate and unverified reporting of a closed, charged-off Wells Fargo credit card account currently appearing on my consumer credit reports. 



Creditor : Wells Fargo Bank , N.A . 

Account Type : Credit Card Status Reported : Closed / Charged-Off Reported Balance : {$14000.00} Credit Limit Reported : Wells Fargo credit card account

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 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX dispute the accuracy, completeness, and legal reporting of this account under the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections XXXX, XXXX, and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC
State: VA

Complaint narrative:
Ive received several calls and then they called my parents in an effort to deliver paperwork to a house I dont live at The first calls came from D2 management that were going to deliver papers to serve me for a debt I didnt know I had ( come to find out I dont ) they told me to call to connect me with the agent working on my file so I call right away bc at this point they have contacted my stepmother. 

I call the number and she tells me about a debt that doesnt match anything on my record which I already have all my debt going through a debt consolidation program, she says a payment needs to be made up front so now they have all of my baking information. The next payment isnt supposed to come out of my account until XXXX, but as soon as I hung up with them I looked further into it and realized I just got played. 

What started as D2 management is now from XXXX XXXX XXXX, which is not part of any debt I currently have. Be careful stay aware and dont give information until you know its legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/XXXX I was attempting to send a XXXX wire from my Navy Federal checking account to my external account ( both accounts are under my name and fully verified ). Navy rep took info about wire over the phone, but made a mistake in external bank name and wire bounced back. I called again to reattempt, but this time Navy rep just said that she can not send it due to security reason, right after the call I found that my account completely locked. Upon checking they said they need to investigate where the money came from. I explained that there is no incoming wire, it's the wire that bounced, but rep insisted they need to do a security check. 2 weeks my account was not available, after that they unlocked credit cards and checking for payments, but wire amount ( XXXX ) and funds that were there before ( over XXXX ) still frozen. I provided all necessary documentations, confirmations from external bank that my account is legit, I went to the branch, but the answer is " just wait ''. They said they need to reach to my other bank directly, I received a confirmation that they responded them, but Navy still saying they didn't receive any emails therefore investigation can not be completed. I am struggling financially as amount locked is very high and I was not able to pay my bills on time. I can not believe in 2026 large bank can not investigate wire made between 2 accounts for over a month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 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:
I am reaching out because my debit card was compromised and about {$400.00} or more by the XXXX XXXX  store has been taken from my account. I have called chime to make disputes and rebuttles, I have given them proof of my only XXXX XXXX  account which I have not used or made a purchase in at least over a year. I have sent them screenshots of texts messages where they asked if it was me charging the card and I said no. I got a new debit card and was immediately taken for {$60.00} more, I was told XXXX gave out my information and was sent another debit card, that Im waiting for. I filed disputes on both claims and they both were denied. They sent me an email with the reasons why they were denied and it makes no sense. I believe chime is taking my money. There is no way someone would be able to get my new card immediately. I have called so many times, talked to supervisors and have been told I can not talk to the investigations department, they said they do not have a phone. So they people who decide whether my claim is approved or denied, me or chime can not have any contact with? That makes no sense to me. I am extremely frustrated, I am getting no where with calling chime. Im not sure what to do at this point but I can not just lose out on that money I didnt spend. Thank you. 
These are the dates I called chime XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX, XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After years of being a loyal customer, all my accounts were " restricted '' and closed. My Credit Cards were all closed, and I still haven't received my check for the rewards I am owed. But before my account was suddenly and without warning closed, I had a fraud claim on my account for {$39.00} from this company I had never heard of called XXXX. From my understanding, it was a subscription I did not agree to. I asked XXXX to refund me, but they refused. So I filed a claim with my bank. I got credited the money, and then my account was closed. I thought that was the end of it, when, all of a sudden, around XX/XX/XXXX, I got a letter stating that my claim would be denied in 3 days unless I proved to them I didn't make this charge. But I had to mail in the proof. Well, I don't have a printer, and they wouldn't extend it, and it was XXXX time, and I let it slip my mind. That was my fault. So the bank then puts the charge back onto my already closed account of XXXX. The charge from XXXX was FRAUD! 

I try to pay them because I just want this done and over with. So on XX/XX/XXXX, once I got paid, I called Capital One 's customer service and they transferred me to someone in the collections department. She tells me that I need to send a money order or cashier 's check to some address in XXXX  and write my account number in the memo line. So I go to XXXX and I buy a money order for the {$39.00}. I mail it via priority mail, so I have a tracking number. This {$39.00} ended up costing me over {$50.00}. 

Today, I checked to see if it was resolved, and my account still shows that I owe this money. I called the customer service number again, and they told me I was given the wrong information and that this money order is being sent back to me! They still didn't tell me how to resolve my account, and told me to call back in XXXX business days. Now my account may be sent to XXXX and ruin my credit. This is not fair, I have done everything I can do pay them back. They are purposely giving me bad information and giving me the run around. I want this be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 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:
I have a checking account through Capital one bank where I sponsor my minor son and there has been numerous unauthorized transactions from a company ( XXXX ) I contacted my card company to dispute the charges and I provided a police report, identity theft report, and a complaint that I filed with the federal bureau of investigation, however our card company has continuously denied our dispute and hasnt been willing to complete an investigation or provide a resolution for this matter. I contacted the company during XXXX of XXXX  requesting information on whom had any services from fraudulently using my personal information and the XXXX XXXX told me that theres nothing theyre willing to do unless I come in and provide my drivers license to the tmobile company. Im not willing to give this company any of my personal documentation pertaining to my identity because I have never had any accounts with this company and I explained that there should be some information on file if there was an account opened in my name, however the companies representative stated that they arent willing to give me any information on the account that was in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: OR

Complaint narrative:
I was trying to get a XXXX form for discharge of loans filled out my Dr and or XXXX  and they didn't want to sign it because they were scared of repercussions and or they didn't know enough of my work experience prior to my mental health issues

Company response to consumer: Untimely response
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: RI

Complaint narrative:
Dear CFPB, I am filing a complaint regarding mismanagement of my escrow account and an unauthorized increase in my mortgage payment after Freedom Mortgage became my loan servicer. 

Loan Information Loan Address : XXXX XXXX XXXX, XXXX XXXX, RI Loan Originator : XXXX XXXX XXXX XXXXXXXX XXXX  Current Servicer : Freedom Mortgage Timeline of Events XX/XX/XXXX Closed mortgage with XXXX XXXX XXXX XXXX XXXX Loan was structured for quarterly property tax payments, as confirmed by my lender. 

XX/XX/XXXX Freedom Mortgage became my mortgage servicer and paid the full year of property taxes in a single payment, despite quarterly payments being allowed and consistent with my original loan agreement. 

XX/XX/XXXX My monthly mortgage payment increased by {$200.00}. I received no notice or explanation before this change. 

XX/XX/XXXX Contacted Freedom Mortgage. They stated the annual payment was required by the tax agency. My lender confirmed that quarterly payments are allowed and Freedom Mortgages schedule was not required.

Issues Freedom Mortgage changed my escrow schedule without my consent from quarterly to annual. 

They created an artificial escrow shortage. 

They increased my mortgage payment by {$200.00} without proper notice. 

Their claim that the tax agency requires annual payment is incorrect according to my lender. 

These actions appear to violate RESPA and Regulation X Requested Resolution Recalculate my escrow account based on the original quarterly payment schedule.

Adjust my monthly mortgage payment to reflect the corrected escrow.

Credit or refund any overpayments resulting from the artificial shortage and payment increase. 

Provide written confirmation that these corrections have been made. 

Supporting Documentation Emails with Freedom Mortgage Escrow analysis provided by Freedom Mortgage Timeline of payments and loan closing Lender confirmation of quarterly payment schedule Summary Freedom Mortgage unilaterally altered my escrow terms, created a shortage, and increased my mortgage payment without proper notice. I am seeking corrective action, repayment of overcharges, and written confirmation that my account reflects the original loan terms. 

Sincerely, 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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Davis & Jones, LLC
State: NM

Complaint narrative:
we heir the debt collection company to collect money from our rent collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief