vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
My XXXX statement shows a balance of {$720.00} with a minimum payment of {$62.00}. My XX/XX/year> statement shows a balance of {$940.00} with a minimum payment of {$120.00} due. Please note I was a few days late paying the XXXX payment and was charged a {$30.00} late fee on XXXX 's statement. I logged in XX/XX/year> to make a payment and had been charged another late fee. I contacted Fortiva to explain the bank was closed on XXXX XXXX 's XXXX and that I could not deposit the money to make the payment over the web. I also asked them to consider my previous payment history in which I had never been late in over a year. I logged in today to find that they charged me an interest fee of {$170.00} for one month. I just don't understand how a balance of {$720.00} jumps to {$940.00} over a simple missed payment. I am facing a financial hardship at the moment as my daughter was recently in an auto accident and became XXXX and XXXX from the accident. I can not afford these outrageous fees. They have absolutely no compassion. I could understand if I was persistently late, but this is only the second time I was late paying. I would like someone to interview in this situation as I fear next month the balance will be well over {$1000.00}.

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 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called in as I woke up XX/XX/XXXX in the hospital missing my credit cards. I called Amex immediately right in front of hospital security to report my cards gone to all my carriers. Amex didnt dispute all the charges and I didnt notice until this morning XX/XX/XXXX. There was a charge for XXXX XXXX or XXXX for {$360.00} that they never disputed although told that it wasnt my charge. My dispute was put in a little after XXXX and was rejected by XXXX saying the received proof. No business is open at this time to contact to do any investigation. I continuously have these issues with Amex. It feels as if dispute depts single me out/retaliating due to my previous complaints about many issues with this same dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: MN

Complaint narrative:
{$1000.00} loan with 700 % interest I filed bankruptcy and they continue to harass me with numerous text messages

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Mercury Technologies, Inc.

Complaint narrative:
For a couple of days now I can't access my Mercury account where I have all my money. I am not getting any responses from them nor have i received any notification about account termination. My mercury account was created through the email I am contacting you now : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am the court-appointed personal representative of my deceased fathers estate. Capital One closed his accounts when I requested to create the required estate account for the funds but then failed to provide requested bank statements despite repeated written confirmations since I now dont have online access. These statements are required to complete a court-mandated estate inventory, and the delay has now caused me to miss court mandated deadlines and probate compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
They used predator tactics of debt collection by using robo calls and threatening mail. I told them not to contact me. They called 14 times or more per day and from different numbers. Also when I took loan out I was told it was interest free loan. Later I found out they charged extremely high interest. Also I tried to pay debt every 1st of the month but they charged a double payment if not made in middle of month. After falling on hard times due to health I couldnt no longer afford payments. I then contacted lender via mail and phone call to negotiate debt but they wouldnt work with me

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 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
Sunday XX/XX/XXXX. I received an email from who I thought was XXXX Support and they scammed me into sending bitcoin to a URL. The steps that led up to this was me receiving a payment for something I was selling and the buyer asked for my email and phone number. I then later found out the buyer was a part of the scam too and they used my email to contact me pretending they were an employee of XXXX. When I thought my accounts were jeopardized I immediately asked them to return my funds in which they then proceeded to demand more money be sent from my account in order for my other accounts to not be locked. I then knew it was a scam after I sent the XXXX dollars and they proceeded to ask for more. I then cut contact with the said XXXX employee and made a police report for the scam that had taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
{$2.00} XX/XX/year> try to talk to them. He gave me the wrong number and he said he couldn't help me because I closed my account already, but as I've been trying to pay off, the annual fees is making my life really bad. I pay XXXX  month and it never helps me. The annual fees is too much. I pay {$900.00} on it. And an annual fees is still adding up the guy had a bad attitude and didn't want to listen to me at all and hung up in my face

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-05 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing a formal complaint regarding Goldman Sachs Bank USAs handling of an Apple Card transaction dispute. 
My dispute has been continuously open for approximately one year. Each time a provisional credit is issued, Goldman Sachs reverses it using a boilerplate explanation stating that the purchase was provided as described. I immediately re-dispute, as the underlying issue has never been resolved. 
Critically, I submitted official documentation from a manufacturer-authorized service center confirming that the product was defective. The service report states that the timepiece was inaccurate, showed low amplitude, and required a complete maintenance service due to mechanical issues. The total documented repair cost was {$1900.00}. 
Goldman Sachs most recent determination again concludes that no billing error occurred, without addressing, analyzing, or even acknowledging this manufacturer documentation. The response contains no explanation of how the product could be considered as described in light of confirmed defects requiring professional repair. 
I believe Goldman Sachs failed to conduct a reasonable investigation as required under the Fair Credit Billing Act and Regulation Z ( 12 CFR 1026.13 ). The issuer has repeatedly relied on conclusory statements instead of evaluating material evidence. 
I am requesting CFPB review and intervention to require Goldman Sachs to conduct a proper investigation and provide a written, evidence-based explanation for its decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XX/XX/year> A Written Disclosure from The Internal Revenue Service in XXXX  DC Confirmed That A Breach of TRUST Occurred by FRAUDULENT CRIMINALS at Wells Fargo Bank NA Portland Oregon Illegal 1099 Mortgage Indemnity And IRS Tax Year 2020 Refund Payment By Criminal Intent {$3000.00} FRAUD THIS is A Serious HACKER That is A Wells Fargo XXXX In A Computer ESPIONAGE in That FBI XXXX Oregon is Required To Investigate With XXXX XXXX Wells Fargo Bank has XXXX Investigation by Different FRAUD AGENCIES For XXXX YEARS THIS is A HORRIFIC IRS XXXX XXXX THAT A FEDERAL PROSECUTOR MUST INVESTIGATE with Impunity Immediately

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 2026-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
On XX/XX/XXXX, I paid my monthly federal student loan with MOHELA like normal. When the XXXX statement bill came in effect ( XX/XX/XXXX ) all of a sudden I get a email about a missed payment. I check my account online and apparently loan XXXX ( of XXXX ) didn't receive a payment. I thought that was weird and immediately paid the amount due as well as my monthly payment for XXXX {$260.00} ( XX/XX/XXXX ). I checked back a few days later on XX/XX/XXXX and noticed that the " overdue '' payment for loan XXXX was still needed as well as loan XXXX needed payment for the month of XXXX as well. I thought maybe the auto-allocate feature wasn't working properly, so I customized the payment online to apply to only loan 4 and loan 6 in the amount of {$50.00}. I checked back a week later and it said payment has been received, but those two loans still needed their payment. I paid them another time on XX/XX/XXXX, but this time I used a different custom pay feature in only the amount it was asking for which was {$44.00}. Waiting another week and payment received and nothing applied to those accounts. On XX/XX/XXXX, I sent a secure message to MOHELA about what was happening and their auto response was that I was " XXXX  days delinquent ''. On XX/XX/XXXX, I used the quick pay feature for those two loans in the amount of {$44.00}. Finally, on XX/XX/XXXX I called up customer service and after XXXX minutes of recorded responses finally got a person who then transferred me to another person. The representative saw the payments I have made and was going to have Accounting fix them, but also said it could take up to 90 days to fix. Then, I sent another secure message to MOHELA on XX/XX/XXXX complaining about their payment system ( before the month/year ended ), dates of payments and how nothing was been updated yet. It's now XX/XX/XXXX and the loan 6 is saying its overdue as well as the loan 4. I have never missed a student loan payment and have always paid every month. MOHELA needs to fix their payment system, there has to be a bug or something somewhere, if it's not applying my payments to all 11 of my little loans.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$500.00} from a Chase ATM located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX. I received an error message three times stating insufficient funds. On the third attempt, the ATM dispensed {$500.00}. However, my account reflected a total withdrawal of {$1000.00}.

I immediately filed a claim, and Chase initially issued a provisional credit of {$1000.00}. On XX/XX/year>, Chase reversed the credit, effectively charging me {$500.00} that I did not receive. 

I contacted the claims department and a supervisor and was informed the investigation found no error and the claim was closed. 

I did not receive the disputed {$500.00}. Chase has not provided documentation showing ATM cash balancing, vendor reconciliation, or confirmation that surveillance footage was reviewed. 

Under Regulation E, Chase is required to conduct a reasonable investigation. I am requesting reimbursement of the {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loans A Debt collector left letters about my debt at my neighbors house twice. 
Even after my neighbor told them I live next door they insisted on leaving the letter and documents with my neighbor. 

This is third-party disclosure under 15 usc 1692c ( b )

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 2026-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am filing a complaint against Pentagon Federal Credit Union ( PenFed ) for repeatedly rejecting legitimate XXXX payments without notice or explanation, resulting in financial harm. 

Description of the issue : XXXX has rejected multiple lawful XXXX payments sent to me by known individuals. These rejections occurred without advance notice, written explanation, or remediation steps. 

Documented incidents : XX/XX/XXXX {$1900.00} rejected XX/XX/XXXX {$2000.00} rejected XX/XX/XXXX {$80.00} rejected XX/XX/XXXX {$80.00} rejected XX/XX/XXXX {$1900.00} rejected When I contacted PenFed on XX/XX/XXXX, I was told my account is not flagged, yet the repeated rejections continue with no transparency. 

Resulting harm : Because PenFed rejected the XX/XX/XXXX XXXX payment, funds were unavailable for a scheduled XXXX XXXX ACH payment, which was returned. This negatively impacted my relationship with a major financial institution and caused reputational and financial damage. 

Concerns include : No advance notice of payment rejection No written explanation or appeal process Repeated interference with lawful payments Disproportionate impact due to PenFeds limited branch access Resolution requested : Written explanation for all rejected XXXX transactions Disclosure of any internal restrictions or monitoring affecting my account Assurance that legitimate payments will not continue to be rejected without notice Correction of internal processes that caused third-party payment failure

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 2026-01-05 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I have a USDA Guaranteed Loan. Federal Regulation 7 CFR 3555.256 ( d ) explicitly allows for a 'Simultaneous Transfer and Assumption ' in divorce cases, permitting the loan to be re-amortized to cure delinquency.

PennyMac denied this request, stating 'Investor Guidelines ' require a refinance. This is false ; the investor is the USDA, and their guidelines permit assumption.

Furthermore, PennyMac admits in their attached response that they removed the co-borrower from the modification agreement but refused to release her liability, effectively modifying a debt she did not agree to.

I am requesting that the new servicer ( XXXX ) be instructed to process the Qualified Assumption as required by federal regulation, and that the co-borrower 's credit report be corrected to reflect her removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I am disputing the collection account with NATIONAL CREDIT ADJUSTXXXX XXXX XXXX XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that NNATIONAL CREDIT ADJUST, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I filed a compliant in late XXXX. This compliant seems to have disappeared. What happened? 

I am still completing my doctoral. AidVantage is still demanding payment. I submitted documentation for the payment. I have not heard from them about this. All I receive is the demand for payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I ordered my package on XXXX XXXX and it was marked to be delivered between XXXX XXXX XXXX. It was instead marked as delivered on XX/XX/year>. I financed a XXXX purchase using Affirm. The package was marked delivered but never received ( stolen ). XXXX refused to refund. 

Affirm refuses to open a dispute and states they can only refund if the merchant agrees. The app provides no chat or dispute option.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I stressed repayment and tried repayment in any way possible but never received phone or paper notice of repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I called the company and asked them to remove this information, and told them that it was Identity theft and I was not aware of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I mailed my regular payment of {$3800.00} plus and additional {$98.00} principle for a total of {$3900.00}. Freedom Mortgage incorrectly applied a payment of {$3000.00} to my account. They have since charge a late fee as a result of their error. I called and they instructed to submit a message via their portal. A reply was received but no corrective action was taken by Freedom Mortgage.

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 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Complaint Description I am submitting this complaint regarding inaccurate and unfair credit reporting by XXXX XXXX XXXX XXXX XXXX ( Portfolio ) concerning a Capital One collection account in the amount of {$470.00}. 

This debt was paid and, as a direct result of that payment and validation, the account has already been removed from my TransUnion credit report. XXXX has therefore acknowledged, either expressly or by conduct, that it could not continue to report this account as a valid, outstanding collection. 

Despite this, XXXX continues to report the same account on my Equifax credit report, creating inconsistent, misleading, and inaccurate credit reporting across consumer reporting agencies. 

Reporting the same account as deleted with one bureau while continuing to report it with another violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing information known or which should be known to be inaccurate 15 U.S.C. 1681s-2 ( b ) failure to conduct a reasonable investigation and correct inaccurate information after notice 15 U.S.C. 1681 ( a ) ( 1 ) failure to ensure maximum possible accuracy If the account was paid and could not be verified for TransUnion, it can not lawfully be verified for Equifax. Continued reporting under these circumstances constitutes false, misleading, and deceptive credit reporting and causes ongoing consumer harm.

Company response to consumer: Closed with explanation