vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: PA

Complaint narrative:
i am dealing with a huge issue.... MOHELA XXXX XXXX of my student loans late last year for various months ... from XXXX to XXXX of XXXX  ... this absolutely crushed my credit score... I never received a peice of mail or a email or anything stating that the cares act defferments were over and that i had to re apply.... once i got to check my credit report because i want to purchase a home i was blown away at how low my score was and noticed that they reported me late... as soon as i saw this i got on the phone with them and refinanced my loan and took care of it but these late payments are still hindering my credit. i called and tried to get them to reverse the reporting and was told to write a letter to them and they will reverse it and put report them as on time never late, i wrote a letter to them direct as well as all XXXX bureaus and nothing was done..... i need your help... this is criminal what they are doing here .. they are causing damages to my credit health and financial health .. i have nothing reported as derogatory on my credit report but these late payments.... here are the account numbers as they read on my credit report XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I vacated my apartment and later discovered a collection account had been placed with National Credit Systems for an alleged balance. I contacted the property management company and was provided with a final revised account statement dated XX/XX/year> showing a XXXX balance and a refund due. 

Despite receiving written confirmation that no balance is owed, the collection account remains active and is being reported and used in tenant screening, which has negatively impacted my housing applications. 

I have repeatedly contacted both the XXXX XXXX XXXX and the collection agency to request prompt withdrawal of the collection, but as of today the collection has not been removed. The debt being reported is not owed and contradicts the creditors own final account documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX chase bank has closed my account there are XXXX amount inside chase bank have not give back my money until now XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: Westcreek Financial
State: MD

Complaint narrative:
On XX/XX/year>, we went to a transmission company to pay for a transmission. The cost of the transmission was {$5700.00} " and we did the following. 
I made XXXX XXXX payments : $ XXXX ( mother ) {$1800.00} ( mother ) Financed the balance $ XXXX ( son ) Totaled {$5700.00} My son went through the transmission company to finance the {$2000.00} and they work with another finance company. The finance company set up the payments through my son 's job. The payments were {$180.00} every other week. My son only works part time and that posed a hardship on him because he only makes about {$20000.00} per year. I didn't realize how much the payments were until XXXX of XXXX  when I thought the payments would be over. 
Over the course of XXXX months he had paid {$2900.00} which we thought would be enough to end the loan. However, I discovered that there was still a balance of {$1800.00} which was reduced to {$1200.00} after I called and started to complain. I paid off the {$1200.00} on XX/XX/year> to end this nightmare. I asked for a finalreceipt was they were not able to give XXXX so I had to wait until the XXXX XX/XX/year>, we went to the company to pay for a transmission. The cost of the transmission was {$5700.00} " and we did the following as shown in the invoice of XXXX : I made XXXX XXXX payments : {$1800.00} {$1800.00} Financed the balance {$2000.00} Totaled {$5700.00} My son went through the transmission company to finance the {$2000.00} and had they payments taken out of his work check without realizing what the terms and conditions would be. My son only makes on about {$20000.00} per year yet this company set up payments where they took {$180.00} out of is pay every XXXX weeks. 

Over the course of XXXX year, my son paid {$2900.00} which we thought would be enough but there was a balance of {$1800.00} which was reduced to {$1200.00} after I called and started to complain. I paid off the {$1200.00} on XX/XX/year>. I asked for a final payoff receipt but they were not able to give XXXX to me or correct their statement online so I had to wait until the end of XXXX to make sure they did not take another payment out of his work account. 

When you see the paperwork, this company listed this loan as a lease service agreement and it was not since this was a transmission and not a car loan. I believe they overcharged us and I am asking for a refund at least the XXXX {$1200.00} that I paid on XX/XX/year>. In total the cost of the lease service was {$2800.00} more than XXXX  times the loan amount. 
Although my son is an adult and this was his XXXX  time getting a loan, he suffers from Adult ADHD and I believe this company took advantage of him.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My XXXX  account was permanently deactivated after I repeatedly attempted to transfer my existing XXXX  balance to my personal bank account and encountered ongoing technical errors while trying to link my bank. Because the bank connection failed multiple times, I attempted the transfer on several occasions, which I believe mistakenly triggered XXXX internal fraud or risk monitoring system. 

There was no fraudulent activity, no chargebacks, no disputes, and no misuse of my account. I was simply trying to access my own funds after XXXX system failed to complete the bank connection. 

On or around XX/XX/year>, XXXX  informed me that my account was permanently restricted due to concerns regarding account activity, but did not provide any specific explanation of what policy was allegedly violated. XXXX  has since stated that the decision is final, refused to answer further inquiries, and is holding my funds for up to XXXX  days for loss prevention purposes, with no guarantee that the funds will be released. 

XXXX  has not demonstrated that my activity caused any loss or risk to the company or other users. Holding my personal funds for up to XXXX months without transparency, due process, or a clear path to recovery is financially harmful and unreasonable. I am requesting that Venmo conduct a manual review of my account and release my funds once it is confirmed that no fraud or losses occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NE

Complaint narrative:
I deposited {$1000.00} in cash, XXXX {$100.00} bills, on XX/XX/year>. The atm was functionally normally, and I inserted the cash. It kept saying scanning my items and clicking. The screen then went XXXX, and the screen said the atm not in service. I immediately went inside the bank and spoke with the branch XXXX. She stated that she had no access to the ATM. It was handled by a third-party. She advised me to call the XXXX number and speak with the fraud department. I did that the same day. The fraud department advised me it would take XXXX to XXXX  days in which to get even a provisional credit while they investigate. I know there is a video of me both at the ATM and in the bank I need my money. I need to pay my 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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: MD

Complaint narrative:
To Whom It May Concern, I recently received communication regarding an alleged debt. do not know who the collector is or have full details of this account. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide validation of this alleged debt, including : XXXX. The amount of the debt. XXXX. The name of the original creditor. XXXX. Documentation showing that I am legally obligated to pay this debt. XXXX. Proof that you are authorized to collect on this debt. Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to any credit bureaus. Please respond in writing to the address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX. XX/XX/year> : I sent my first written request to Cavalry for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and requested substantiation of the alleged debt. 
XXXX. XX/XX/year> : Cavalry filed a lawsuit against me in XXXX XXXX, Florida, regarding the alleged debt. 
XXXX. XX/XX/year> : I filed a motion to dismiss the lawsuit due to Cavalrys failure to provide validation of the debt. 
XXXX. Improper Service : I was not properly served with the lawsuit ; therefore, I was unaware of the court date. As a result, a default judgment was entered against me. 
XXXX. XX/XX/year> : Wage garnishments began the second week of XXXX. 
XXXX. XX/XX/year> : I filed as head of household ; the garnishment was voluntarily dismissed on XX/XX/year>. 
XXXX. XX/XX/year> : The garnishment continued without proper substantiation of the debt. 
XXXX. XX/XX/year> : Cavalry sent a letter acknowledging receipt of my dispute, stating the account is verified as accurate, but they provided no documentation or chain of title to substantiate the debt. 

Summary of Issues : Despite repeated requests since XX/XX/year>, Cavalry has failed to provide debt validation or proof of ownership. 
The debt has been subject to ongoing wage garnishment without substantiation. 
The account continues to appear on my credit report, potentially inaccurately, and with a disputed flag. 
I have been subjected to improper service, default judgment, and wage garnishment for a debt that has not been legally validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One has refused to provide a XXXX for Accounts ending in XXXX and XXXX for accounts they have closed and charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I started to receive txt messages spams and email spams, over XXXX messages in under about XXXX mins. I did not know what was going on. Then I received an alert about a best buy purchase on my macys XXXX XXXX and an apple order. I immediately answered to macys txt message about charge being a fraud. And I even called right after to confirm that best buy and apple purchases were not mine. Both purchases were taken care and i received a new credit card from macys, but last week the apple purchase off XXXX reappeared on my macys credit card. I immediately called them again and questioned the charge. Macys said according to XXXX the purchase was legit. It was an online apple purchase. I once again disputed the charge. And I asked macys XXXX XXXX what else can I do to help myself. They told me to create an identity fraud alert on the credit breau which I did on equifax and I also filed a report on XXXX and emailed macys XXXX XXXX the report. Macys also advised me to contact apple which I called apple on XX/XX/year> and filled a complaint on there as well. Spoke with a rep and told them that I never authorized a charge and that I called my credit card company the same day to advise them that the charge was fraud. XXXX said that the item was delivered to my address by uber. I asked XXXX did the XXXX driver ask for ID? XXXX did not find record of XXXX asking for ID or signature. I dont know how XXXX or XXXX not request ID on such a high priced ticket item. I told XXXX to please create this case for me and to please report device as stolen so the fraudulent person can have no use of it. Macys is still currently investigating and im waiting on apples response as well. I did my part and reported this fraudulent activity. I am asking for the charge of XXXX from apple to be removed from my account and that macys be more fast acting on their part and apple be more vigilant and be more secure with delivery purchases. Thank you. I hope a resolution.

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 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I am submitting this complaint regarding unfair and aggressive debt collection practices by IQ Data XXXX related to a carpet replacement charge from XXXX XXXX XXXX. 

My husband and I lived in the apartment for only XXXX year, and the carpet was left in good condition at move-out. Under XXXX Civil Code 1950.5, tenants are not responsible for normal wear and tear, and landlords may only charge for documented damage beyond ordinary use. Despite this, I am being charged {$1600.00} for carpet replacement after {$800.00} of my security deposit was already withheld. This charge is being demanded without sufficient proof of tenant-caused damage. 

The only evidence provided was an unclear photograph taken in the dark using blue light, which does not establish that any stain was caused by me or my husband. No inspection report, repair invoice, or documentation showing damage beyond normal wear and tear has been provided. IQ Data claims I signed a contract agreeing to carpet replacement charges, but I did not agree to such terms, and no clause has been shown that clearly requires tenants to pay full replacement costs after XXXX year of occupancy. 

Since XX/XX/year>, XXXX XXXX has called me repeatedly for XXXX consecutive days using aggressive and unprofessional tactics. During these calls, representatives were rude, refused to communicate with me, and disconnected calls when I attempted to explain my position. XXXX representative, XXXX XXXX, raised her voice and hung up on me when I asked her not to speak over me. When I later spoke with her supervisor, I was told that even though it may be offensive to customers, they have the right to hang up and end calls. After that, XXXX XXXX refused to communicate with me at all. 

IQ Data has also refused to discuss this matter directly unless I retain an attorney, even though my previous attorney is not currently involved in this case. This has prevented me from resolving the dispute in good faith and has left me with no option but to seek assistance through formal complaints. 

I am requesting that this matter be reviewed for unfair and deceptive collection practices and that IQ Data XXXX be required to either provide proper legal documentation supporting this charge or cease collection efforts entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint in response to Comenity Banks prior CFPB reply regarding my Kay Jewelers credit card account. In that response, Comenity Bank stated that promotional terms were present on each monthly billing statement, but did not address whether those billing statements were reliably delivered to me electronically, which is the core issue. 

My account was enrolled in paperless statements. Comenity Bank represented that monthly billing statements and account communications would be delivered electronically. However, Comenity Bank has not demonstrated that any billing statements or promotional disclosures were actually delivered to me in a reliable, consumer-accessible manner. 

Upon reviewing my email records, I observed that Comenity Banks promotional and marketing emails were consistently delivered to my inbox, while emails related to billing statements, account notices, and promotional expiration disclosures were routed to my junk/spam folder or were otherwise not reasonably noticeable. As a result, I did not receive effective notice of billing information or the promotional payoff deadline. 

Comenity Banks prior response relies on the assertion that information existed on statements, but does not provide proof of electronic delivery, such as dates, delivery method, or confirmation that the statements were sent in a manner reasonably calculated to reach me. Availability of statements online does not constitute delivery when electronic notice is the designated method of communication. 

Because required disclosures were not reliably delivered, Comenity Bank applied retroactive interest to the promotional balance without providing a fair opportunity to avoid the charge. The resulting interest assessment is approximately {$2000.00} and reflects an effective annual interest rate of at least XXXX %. 

This complaint concerns the reliability and effectiveness of Comenity Banks electronic delivery practices, not the existence of the promotional plan itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO In XX/XX/XXXX, I requested and paid the full payoff amount quoted by Wells Fargo for a dental financing account. I reasonably relied on Wells Fargos payoff quote and understood the account to be paid in full as of that date. Wells Fargo later asserted that a residual balance of {$38.00} remained after the XX/XX/XXXX payoff and reported the account as XXXX, XXXX, and XXXX  days late until the {$38.00} was paid in XX/XX/XXXX. I dispute this reporting. 

Any alleged residual balance resulted from Wells Fargos failure to provide an accurate payoff amount and/or its failure to provide clear, timely, and conspicuous notice that additional funds were due. I did not receive proper notice of any remaining balance before Wells Fargo treated the account as delinquent and reported it to the credit reporting agencies. 

A consumer can not be reported as delinquent based on a residual balance that arises from inaccurate payoff information or delayed posting of interest without clear notice and a reasonable opportunity to cure. I paid the payoff amount Wells Fargo quoted in full. Any subsequent balance was the result of Wells Fargos internal accounting practices, not my failure to pay. 

During a recent phone call, a Wells Fargo representative stated that notices regarding the alleged {$38.00} balance were mailed to me. However, Wells Fargo has not provided copies of those notices, proof of mailing, the address used, or confirmation that any such notices were sent prior to reporting the account as XX/XX/XXXX days delinquent. Verbal assertions are insufficient. I am requesting documentary proof of timely notice. 

If Wells Fargo can not demonstrate that it provided an accurate payoff quote and that clear notice of the residual balance was sent to the correct address before delinquency reporting began, then the late payment reporting is improper and must be removed. 

After I contacted Wells Fargo regarding this issue, I received a written response acknowledging my dispute, assigning a dispute ID number, and stating that Wells Fargo would submit a request to the consumer reporting agencies to make changes to my credit file. The inaccurate late payment reporting remains.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: SD

Complaint narrative:
I have tried to activate my new XXXX XXXX card because I lost my old one when I received my new XXXX ( XXXX ) I called the number on the back of the card at which point I was told I needed to verify my identity. I have uploaded my documents multiple times and have been denied all but XXXX. When I received an email saying my documents were approved and to call the number on the back of the card I was once again told all they have was a denial email. I was transferred to a rude supervisor or sighed like I was interrupting his day and was told nothing he can do and to try to email ID once again to the id XXXX XXXX verify email. I have done that multiple times now and have received email stating they can not verify my account and to go into the social security XXXX. I need my money which has been in my account since around XX/XX/XXXX when I received my SSDI income. Now my XXXX benefits are on there also. I need help to get my account unlocked so I can access my money for rent and food. Please help me. They have a little under {$3000.00} in my account XXXX cant get. I have waited weeks and sent in an email my original birth certificate original social security card, a valid state ID and a valid tribal ID so many times. XXXX weeks and they tell me there is nothing they can do on their end to unlock my account and i dont know why they locked it in the XXXX  place.

Company response to consumer: Closed with non-monetary relief