vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear XXXX, good morning. 

I am writing to formally express my complaint. I have contacted this credit bureau no fewer than XXXX times, yet the bank has refused to provide a proper resolution. 

I made the corresponding payment for my charges, paid on time, and for the full amount required. However, the bank reversed the transaction without justification and arbitrarily blocked my funds. As a result, I am now unable to use those funds to pay my credit card balance, which continues to accrue interest month after month. 

The bank claims that the money was returned to my account, but it has provided no solution that allows the XXXX under the banks XXXX  be applied toward the outstanding balance. Meanwhile, the debt continues to increase daily due solely to interest generated by this situation. 

As clearly shown in my account statements, the payment was made twice, and in both instances the bank reversed the transaction. This situation is in no way my responsibility. 

For all the reasons stated above, I formally request and demand that this bureau require the bank to : Execute and apply the payments that were properly made, Fully cancel the outstanding debt, Immediately repair and restore my credit history. 

Additionally, I request that this matter be reviewed under applicable consumer protection laws, banking regulations, and fair credit reporting standards. Should this issue remain unresolved, I reserve the right to pursue all available legal remedies, including filing complaints with financial regulators and initiating legal action to protect my rights. 

The non-payment reflected on my record is entirely the banks responsibility, not mine, and must be corrected without further delay. 

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 2026-02-20 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: OR

Complaint narrative:
Complaint Against : PayPal. 

I am a XXXX customer who has had a PayPal account for over 10 years. On XX/XX/26, at approximately XXXX XXXX, I saw an email notification stating that I had purchased {$2300.00} in XXXX approximately XXXX hour earlier. I have never purchased XXXX  and did not authorize this transaction. 

I immediately reported the transaction as unauthorized through PayPals website. 

The transaction was initiated as an ACH withdrawal from my XXXX checking account. When the transaction appeared at my bank later that morning, I went to my XXXX branch and filed a fraud report. The ACH payment was successfully stopped and was never paid to PayPal. 

PayPal is now claiming that I owe them {$2300.00} and has denied my unauthorized transaction claim and appeal without providing any documentation or explanation. 

Additionally : I experienced immediate login irregularities. 
I was unable to access my account normally. 
PayPal password reset emails were not received despite multiple attempts. 
I later discovered PayPals number was blocked in my messages. 
I reported the issue within approximately one hour of discovery. 

PayPal has refused to provide : IP address used Device information Login history Documentation relied upon to deny my claim The funds were never paid to PayPal, yet they are attempting to hold me liable for a fraudulent XXXX  purchase. 

I am requesting that PayPal : XXXX. Remove the - {$2300.00} balance immediately. 
XXXX. Provide documentation supporting their denial. 
XXXX. Confirm in writing that I will not be held liable. 


Also, I will be sending the following letter to the PayPal legal department. 

Re : Formal Demand Unauthorized Bitcoin Transaction {$2300.00} To Whom It May Concern : I am writing regarding an unauthorized {$2300.00} Bitcoin transaction dated XX/XX/26. 

I reported this transaction within approximately XXXX hour of discovery. The ACH transfer from my XXXX account was stopped and never paid to PayPal. 

I have never purchased XXXX  and did not authorize this transaction. 

I experienced login irregularities and difficulty accessing my account immediately following the fraudulent transaction. 

Despite timely reporting, PayPal has denied my claim and appeal without providing documentation or explanation. I formally request : 1. Immediate removal of the {$2300.00} minus balance 2. Written confirmation that I am not liable.

3. All documentation relied upon in denying my claim, including IP logs, device data, and login history.

If this matter is not resolved within 15 days, I will pursue all available remedies, including regulatory complaints, arbitration, and small claims litigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX issued checks from XXXX XXXXXXXX XXXXonline bank that was restricted, according to XXXX XXXX. Chase cleared the checks and days later claims the checks as returned altered or ficticious. Now I owe Chase the amount. Which funds were used to purchase equipment from a vendor of XXXX XXXX  XXXX  in Tx to set my home office up. We think I have been scammed the term is job scam. I was interviews given offer letter hired onboarding and setting up my office and used ringcentral as the platform a long with email correspondences. I checked out XXXX XXXX still have no reason to XXXX  they are not a legitimate XXXX XXXX XXXX  research provider. Chase bank will not XXXX  me any assistance or grace as they are a FDIC insured bank. I XXXX  All of them XXXX  XXXX including Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: UT

Complaint narrative:
I am filing this complaint because my student loan servicer has charged me excessive and unreasonable interest, to the point that my interest paid is almost XXXX  the amount of principal I have paid. 

I have been paying on this student loan for many years. I acknowledge that I missed payments a long time ago ; however, instead of offering assistance or stopping the compounding interest, the servicer continued to add interest aggressively. This caused my loan balance to grow significantly despite my attempts to resolve the issue. 
Even after I resumed making consistent, ontime payments for a long period, the servicer still did not offer any assistance, repayment options, or interest relief. I contacted them multiple times seeking help, but no meaningful support was provided. 
As of today : Total Principal Paid : {$8100.00} Total Interest Paid : {$15000.00} This means I have paid nearly double in interest compared to the principal, which I believe demonstrates predatory or unfair loan servicing practices. My payments should have been reducing my principal more effectively, but instead I feel the servicer has taken advantage of the situation and allowed the interest to snowball. 
I am requesting the CFPBs assistance in reviewing : Whether the servicer properly applied payments. 
Whether the interest accrual was lawful and appropriate. 
Whether the servicer failed to offer required repayment options or assistance. 
Whether my loan balance and payment history should be corrected or adjusted. 

Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
CFPB Complaint Exeter Finance LLC XXXX : Exeter Finance LLC Product : Vehicle loan or lease Issue : Trouble with the loan / Fees / Payments not applied correctly / Incorrect balance I am filing a complaint regarding Exeter XXXX XXXX XXXX, payment application, and fee practices on my auto loan. 

Account Information : Account Number : XXXX Vehicle : XXXX XXXX Rogue Retail Installment Contract Date : XX/XX/XXXX Contract XXXX : 27.35 % Monthly Payment : {$840.00} Amount Financed : {$30000.00} Summary of Problem : Exeter XXXX online portal and account statement show that despite a history of payments, my principal balance has not decreased since origination. The statement reflects a principal balance of {$30000.00} at origination and still shows outstanding principal of {$30000.00}. In the transaction history, payments appear to be applied entirely to Interest Amount, with no allocation to principal. This is inconsistent with a standard amortizing retail installment contract. Additionally, Exeter is assessing excessive late fees and other fees which are significantly increasing the amount required to bring the account current. 

The portal currently reflects : Past Due Amount : {$2500.00} Late Fees : {$1000.00} Other Fees : {$80.00} Total Amount Due : {$4500.00} XXXX dispute the accounting, the payment application, and the fee assessment. I am requesting that Exeter provide a complete and accurate breakdown of my account and correct any misapplication of payments. 

What I am requesting as resolution : XXXX. A complete payment history ledger showing all payments, reversals, and allocation of each payment to fees, interest, and principal. 
XXXX. A complete amortization schedule from origination through the current date. 
XXXX. A complete fee history showing all late fees, NSF fees, and other charges assessed, including dates assessed and the contractual basis for each fee. 
XXXX. Copies of all extension agreements and documentation supporting any months extended status. 
XXXX. An itemized reinstatement quote and itemized payoff quote showing principal, interest, fees, and per diem interest. 
XXXX. Waiver or substantial reduction of late fees and NSF fees, and a re-aging / repayment plan to bring the account current and prevent repossession. 


Supporting documents attached : Retail Installment Sales Contract Exeter statement/transaction history showing payments applied to interest and principal not decreasing Portal screenshot showing past due amount and late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/2026, XXXX accessed my consumer credit report for a credit application that I did not submit or authorize. I did not apply for any loan or credit product with this company on that date or at any time. 

At the time of the inquiry, my credit file was protected by an active security freeze and fraud alert. These protections require creditors to complete additional identity verification steps before accessing a consumers credit report. I was never contacted for verification, nor did I provide authorization. Because no verification occurred, I believe this inquiry was the result of fraud or identity theft. 

On XX/XX/, an account began reporting on my credit reports in connection with this matter. I do not recognize this debt. Within 30 days of becoming aware of the account, I requested debt validation and asked for proof of the debts validity and the companys legal authority to collect and report it. As of this complaint, I have not received any validation documentation. 

I also requested immediate removal of the unauthorized inquiry, deletion of any associated application or account records, and written confirmation that no account exists in my name if the company can not provide proper validation. Additionally, if this debt was sold or transferred multiple times, it may be appearing more than once on my credit reports. Only the current legal owner of a debt should be reporting it, and any duplicate entries should be removed.

This matter remains unresolved, and I am requesting immediate correction and removal of the unauthorized inquiry and any improperly reported account information from all consumer reporting agencies. I also request written confirmation that the issue has been fully resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
On XX/XX/year>, I was contacted by Regional Finance in XXXX TX with an offer to renew my loan and receive XXXX XXXXXXXX cash back. At first, I told them I would think about it. I called back later that day and verified how much I would get back if I proceeded with them running my credit. The associate stated if I make my payment now the loan would start over, but I would get back {$650.00}. If for some reason I was not approved, then it will not start over, I will not get cash back, and I can even ask for a refund on my payment. I verified XXXX  times before going through with it that I would get back {$650.00} and she stated yes. They started the process and ran my credit and stated I was approved but she said now I would only get {$100.00} back. I said why? She said while I was approved to get back {$650.00}, the interest of XXXX  months ' worth of payments ate at most of it and {$100.00} was left. I was not told anything about interest being applied to the amount I would be approved to receive back, and furthermore why am I paying interest on money I already paid interest on? So, I said that was deceptive and I wouldn't have made the payment right now or ran my credit to start a loan over I've been making payments on for months for {$100.00}. She said she will have management call me tomorrow to try and resolve. Management never called on XXXX, I actually called them back and the same associate I spoke with stated management can not give me more money that they offered to begin with but will wave some past late fees on the loan and skip XXXX payment. I told then no, they deceived me and never produced the agreed upon amount if I was approved after doing a hit on my credit. I told them to keep the payment so I can hurry up and finish paying the loan off and be through with this deceptive company!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
Our mortgage lender ( XXXX XXXX ) sold our mortgage to Rocket Mortgage recently. We received a statement on XX/XX/XXXX stating that we have a shortage amount of {$3000.00} in our escrow. We believe that this amount is inaccurate and significantly overfunding our escrow. We have made multiple phone calls to Rocket Mortgage and they have refused to cooperate with us on reviewing the escrow estimate and stand by their numbers. Phone calls placed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

We were aware that there would be a shortage since our home assessment happened in XXXX and our home value was significantly undervalued. The assessment increased our home value by 150 %. Therefore, we knew that our home taxes would increase. 

Here are the facts : XXXX Taxes Actual : {$5500.00} XXXX Home Insurance Actual : {$1500.00} XXXX Amount paid into escrow : {$5400.00} That leaves us with an actual shortage of {$1500.00}. Of which I agree to pay Rocket Mortgage. They also want to increase our escrow payment to {$580.00} which would cover the full amount of my taxes and home insurance in XXXX. 

However, Rocket Mortgage is stating we have a shortage of {$3000.00}. This is {$1400.00} more than what we need in our escrow. It is also {$290.00} more than XXXX  months of extra escrow. 

We have had shortages in the past and have ALWAYs paid them off immediately. We have never been late or missed a mortgage payment. I feel it is absolutely unnecessary to overfund our escrow especially with our past experience of always being on time and paying off any shortages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX  days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
They called XX/XX/year> @ XXXX. I advised to not call me anymore and that I wanted all the information regarding the debt to come to my mailing address on file. They continue to call on the following dates : XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Applied for {$100.00} on XXXX XXXX, 2025, acknowledged but never paid. ( Ref. XXXX ) Re-applied for {$170.00} on XXXX XXXX, 2025, acknowledged but never paid. ( Ref. XXXX ) Re-applied for {$170.00} on XXXX XXXX, 2025, acknowledged but never paid. ( Ref. XXXX ) Made XXXX calls to their rewards department ; they acknowledged the transactions but have never made the payments to my 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 monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
" I am a XXXX XXXX in the XXXX XXXX XXXX ( formerly XXXX v. XXXX ) settlement. My XXXX XXXX application number is XXXX. I attended XXXX XXXX, which is an Exhibit C school explicitly listed in the settlement agreement for relief. 
According to the court-ordered settlement and subsequent rulings by XXXX XXXX XXXX XXXX XXXX Department of Education was required to issue a decision on my application no later than XX/XX/year>. This deadline has passed, and I have not received a decision. Under the binding terms of the settlement, this failure to adjudicate means I am now entitled to Full Settlement Relief, which includes a 100 % discharge of my XXXX loans, a refund of all past payments, and credit report repair. 
My loan servicer, Aidvantage, continues to list these loans as active. I am requesting that the CFPB compel Aidvantage and the Department of Education to immediately implement my discharge and provide the full relief mandated by the federal court. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: TX

Complaint narrative:
Due to an extended unemployment. I fell behind on my payments to Regional Fiance. I called them to explain my situation over a month ago. Since then they call me 3-4 times per day on weekdays and once or twice on the weekends. Over the last XXXX weeks, they call everyday. I explained several week ago that I will not default on my loan and once I am back to work that I would resume my payment and bring my account back into good standing as it had been prior to my unemployment. I asked them to stop calling me several times everyday and they responded that the calls will continue. I have had to block their numbers, but they still call and leave voicemails. Below is just a short example of the times they have called. 

XX/XX/26 called at XXXX XXXX XX/XX/26 called at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/26 called at XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/26 called at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/26 called at XXXX XXXX XXXX XXXX, XX/XX/26 called at XXXX XXXX  XX/XX/26 called at XXXX XXXX XXXX XXXX XX/XX/26 called at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/26 called at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation