vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DE

Complaint narrative:
I am submitting this complaint against MoneyGram International , Inc. for what I believe is a deceptive, opportunistic, and potentially unlawful fee practice that unfairly exploits consumer confusion surrounding the recently enacted federal XXXX  % fee limitation under the OBBBA. 

MoneyGram has begun charging fees of approximately XXXX  % or more on XXXX-based debit transactions ( XXXX Debit Card and Apple Pay Debit ) when sending money internationally, despite : XXXX. The OBBBA explicitly limiting the 1 % fee to cash, money orders, and similar methods, not XXXX debit transactions. 
XXXX. MoneyGrams own website explicitly stating that XXXX debit card payments are not subject to the XXXX  % fee. 
XXXX. A long-standing historical fee structure where MoneyGram consistently charged a flat {$1.00} fee for comparable transactions. 

Although MoneyGram does not explicitly label the fee as a XXXX  % fee during the transaction process, the amount, structure, and timing strongly suggest that the company is deliberately mirroring the statutory XXXX  % threshold to create the impression that the increase is legally mandated, when it is not. 

This practice appears intentionally designed to mislead consumers into believing the fee increase is required by law. 

Pattern of Deceptive Conduct I have attached substantial evidence demonstrating a sudden and unexplained pricing change : For years, including throughout XXXX, MoneyGram charged {$1.00} for XXXX debit transactions, even for transfers exceeding {$1000.00}. Recently, MoneyGram continues charging {$1.00} for transfers {$800.00} or below but MoneyGram now applies a progressive fee approaching or exceeding XXXX  % once the amount exceeds {$800.00}. This behavior is new, undisclosed, and suspiciously aligned with the statutory XXXX  % cap that does not apply to these payment methods. 

This alignment strongly suggests opportunistic pricing intended to exploit regulatory ambiguity and consumer misunderstanding. 

Consumer Harm. This conduct is harmful because : - Consumers reasonably believe the increase is mandated by law - The fee change is not transparently disclosed - The pricing is engineered to resemble a statutory requirement - Most consumers will not challenge it due to fear of noncompliance with federal law This behavior raises serious concerns under unfair or deceptive acts or practices ( UDAAP ) standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am writing to dispute an unauthorized charge on my account and request a reversal. 

Date of Charge : XX/XX/year> Amount : {$49.00} Merchant XXXX XXXX XXXX XXXX XXXX XXXX Store Reason for Dispute : I did not authorize this charge. I suspect that my XXXX child may have accidentally made the purchase. I do not give my child permission to use my phone or make purchases. 

Actions Taken : Upon receiving the charge notification, I immediately canceled the purchase and submitted a refund request to XXXX on XX/XX/year>. I have screenshots showing the cancellation. 

I contacted XXXX multiple times : XX/XX/XXXX : Emailed XXXX requesting a refund no reply. 

XX/XX/XXXX : Submitted a report via XXXX denied on XX/XX/XXXX. 

XX/XX/XXXX : Submitted another report denied again. 

XX/XX/XXXX : Called XXXX customer service, who said they could not assist. 

XX/XX/XXXX : Called Chase ( my bank ) regarding this unauthorized charge, and they informed me that they could not do anything on their end. 

Despite my immediate action, the charge was not refunded, and I was forced to pay for an item I did not use or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
Hello, I am filing a complaint against Affirm regarding an XXXX purchase that was replaced at no cost, but Affirm is still holding me responsible for payment. 

In XXXX, I ordered a dehumidifier through XXXX using Affirm. The item was marked delivered, but I never received it. XXXX later replaced the item and the replacement shows as {$0.00} on my XXXX account. 

I contacted Affirm multiple times ( XXXX and XXXX ) and was told XXXX needed to update them. I waited, followed up, and continued to be told to contact XXXX. I have also contacted XXXX, and both companies kept directing me back to the other. 

Affirm opened an investigation on XX/XX/26 and emailed me on XX/XX/26 stating that I am responsible for the charge. This is incorrect because XXXX replaced the item at no additional cost, and I should not be charged twice. 

I am requesting that Affirm correct my loan/balance to reflect the replacement and remove any amount I do not owe, and confirm in writing that my account is accurate and not negatively affected

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: MD

Complaint narrative:
This is a predatory bank, I was charged XXXX over draft fees in a single day for transactions ranging XXXX dollars totalling {$2900.00} bank refuses to refund it even partially, further more a ach hit my account before the actual overdrafts happened to make the account positive and they failed to post it to the account until after the overdrats resulting in the overdrafts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I received about XXXX emails from TrueAccord just in the month of XXXX alone. I felt harassed and both annoyed because of the constant emails I would receive and STILL am receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
XXXX Emailed : I never signed up for this. I did a trial and canceled it in XX/XX/year> and Ive since been charged XXXX  : Order number- XXXX XXXX $ {$99.00} XXXX {$99.00} And again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Mercury Financial Intermediate LLC
State: TX

Complaint narrative:
I applied for Servicemembers Civil Relief Act benefits with Mercury Financial for a credit card account opened in XXXX. 

I submitted valid military documentation showing both a contract extension and a reenlistment in XXXX, which establishes active-duty service after the account was opened, as required for SCRA eligibility. These documents were explicitly identified by Mercury Financial as acceptable forms of proof.

Mercury Financial has repeatedly denied my SCRA request by incorrectly relying on a XXXX date shown on the documents, which reflects my original enlistment date, not the effective date of my contract extension or reenlistment. This date is irrelevant to SCRA eligibility and is clearly referenced only as historical information within the document.

Mercury Financial has ignored the effective service dates of the contract extension and reenlistment and has failed to consider the context of the documents in their entirety. The same incorrect reasoning has been used multiple times despite clarification. 

I have contacted multiple departments and supervisors. Representatives acknowledge the issue but state it is out of their hands. Promised follow-ups and call-backs from managers have not occurred. Frontline representatives demonstrate a lack of understanding of SCRA requirements and have been dismissive when I attempt to explain the error. 

As a result, Mercury Financial continues to charge interest above the SCRA cap, causing ongoing financial harm. This reflects a failure to properly review documentation, a pattern of unreasonable denials, and refusal to escalate to competent compliance personnel. 

I am requesting immediate compliance review by qualified staff, correction of the erroneous denials, retroactive application of SCRA benefits, refund or credit of all excess interest charged, and written confirmation of compliance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I volunteered to repo my vehicle. I purchased a new vehicle with cash. I ask the dealership where I purchased the new vehicle from if I could leave the old vehicle for the lender to come and get it. The dealer agreed and said I wouldnt be charged any storage or anything. The lender called the dealer i left the vehicle at to confirm the vehicle was there. The dealer confirmed the vehicle was there. The lender stated to the dealer that it was too far for them to come and get and they werent going to go and get it. The lender was Santander XXXX XXXX. I live in XXXX Tennessee and purchased/ left the old vehicle in Indiana XXXX The lender or the dealer didnt notify me that they werent going to go and get the vehicle or I would have went and picked it back up. The dealer applied for an abandoned vehicle and took possession of the vehicle and Santander is still reporting to my credit. This was very deceptive on both parties. Santander should have notified me that they were not going to go and get the vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint regarding Affirms failure to properly apply merchant refunds and return the full amount they confirmed receiving. 

My original Affirm loan total was {$780.00}. Affirm disclosed {$81.00} in non-refundable interest, which I understand and am not disputing. 

The merchant transactions were fully refunded : A hotel booking was canceled and refunded in full ( approximately {$250.00} ) with no cancellation fee. 
Flights were canceled. XXXX initially issued flight credits, and XXXX later issued a cash refund in the amount of {$440.00}. 

Affirm themselves emailed me confirming receipt of the {$440.00} refund. Despite this written confirmation, Affirm only returned {$230.00} to me. 

Affirm has claimed that XXXX is holding approximately {$74.00} ; however, XXXX has confirmed this is not true. I have recorded calls confirming that all refunds were completed and no funds are being held by XXXX. 

I also continued making monthly payments of {$78.00} for the flight portion of the loan. The amounts refunded and the payments I made do not reconcile with the balance and refund Affirm provided. 

I am requesting : XXXX. A full itemized accounting of all refunds received, interest applied, and payments applied XXXX. Correction of my loan balance XXXX. Refund of all amounts owed to me beyond the disclosed {$81.00} interest Affirm has not provided a clear accounting that explains the discrepancy between the refund amount they confirmed in writing ( {$440.00} ) and the amount actually returned to me ( {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I have XXXX past-due payments, even though I was granted forebearance, never received an email or anything about making these payments for XX/XX/XXXX. Shows I am XXXX  days past due now.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-18 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: U.S. BANCORP
State: VA

Complaint narrative:
I am filing a complaint regarding a benefit design issue with my U.S. Bank XXXX XXXX XXXX XXXX XXXX, which has an annual fee of {$450.00}. 

XXXX of the advertised benefits is a 5 % discount coupon for purchases made directly with XXXX XXXX. The coupon validity period ends on XX/XX/XXXX, while the new coupon is issued sometime later in XXXX after the annual fee is charged. 

As a result, there is a blackout period during which I am paying a continuous annual fee but have no valid coupon available. I have a XXXX XXXX flight departing on XX/XX/XXXX, and I am unable to use either the existing coupon or the new coupon due solely to this gap in benefit availability. 

Given that airline tickets are typically purchased at least XXXX to XXXX months in advance, this blackout period makes it reasonably foreseeable that cardholders would be unable to use the benefit for flights occurring shortly after the coupon expiration date. 
I contacted U.S. Bank to request a reasonable resolution, such as early issuance, validity extension, or a statement credit. U.S. Bank stated that no accommodation or compensation is available, and that unused benefits are forfeited regardless of this structural gap. 

This is not a situation where I failed to use the benefit due to my own actions or inaction. Rather, the benefit was structurally unavailable due to the way U.S. Bank designed and administered the benefit cycle. As a result, I was prevented from using the benefit through no fault of my own. 

This benefit gap is inconsistent with reasonable consumer expectations for an annual fee product and effectively reduces the value of the annual fee paid. 

I am requesting a fair resolution, such as a goodwill statement credit or other reasonable compensation, to address this benefit blackout period.

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 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
Fraudulent debt on credit report, implemented a security freeze on account, received letter from collections department and sent a debt validation letter, it was delivered XX/XX/year>, it has been over 30 days of no response and the charges remain on 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 explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Date : XX/XX/year> Resurgent / LVNV Funding XXXX XXXX XXXX XXXX, SC XXXX Re : Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter serves as my formal notice that I dispute this alleged debt in its entirety and request validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until proper validation of this debt has been provided.

Required Validation 1. The total amount of the alleged debt, including a complete itemization of principal, interest, fees, and charges 2. The name and address of the original creditor 3. A copy of the original signed contract or agreement bearing my signature 4. Proof that Resurgent / LVNV Funding has legal authority and standing to collect this debt XXXX. Documentation establishing the complete chain of title and assignment from the original creditor to your company 6. The date of last payment and the date the account first became delinquent 7. Proof that the alleged debt is within the applicable statute of limitations Notice Under Federal Law 15 U.S.C. 1692g ( b ) requires that all collection efforts stop until validation is provided.

15 U.S.C. 1681s-2 ( a ) prohibits the reporting of inaccurate or unverified information to consumer reporting agencies.

Any continued reporting of this account to XXXX XXXX XXXX XXXX without proper validation constitutes a violation of federal law.

Demand for Deletion If you are unable to provide the requested validation, you are required to immediately delete this account from all consumer credit reporting agencies and provide written confirmation of such deletion.

This letter is sent without acknowledgment of liability, does not constitute a promise to pay, and is not a waiver of any rights. 
I expect your written response within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX _________________________ Signature

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am writing in response to your reporting of the above-referenced account on my credit report. This letter serves as a formal request for validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide the following : XXXX. The name and address of the original creditor XXXX. The original account number XXXX. The date the alleged debt was incurred XXXX. An itemized breakdown of the amount claimed, including interest or fees XXXX. Copies of any contract, agreement, or signed documentation bearing my signature XXXX. Proof that your company is legally authorized to collect and report this debt XXXX. Proof that the debt is within the statute of limitations Until such validation is provided, you must cease all collection activity and refrain from reporting or continuing to report this account to any credit reporting agency. 

This letter is not an acknowledgment of liability nor a promise to pay. 

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 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against the following entities for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Indiana State Law. 
Disputed Accounts : XXXX. XXXX XXXX XXXX - XXXX : {$930.00} XXXX. XXXX XXXX - Balance : {$1100.00} XXXX. JEFFERSON CAPITAL SYSTEMS XXXX - XXXX : {$430.00} XXXX. XXXX XXXX XXXX - Balance : {$890.00} XXXX. XXXX  XXXX XXXX XXXX - Balance : {$1000.00} Violations & Legal Basis : I am a resident of XXXX, Indiana. These entities are reporting alleged debts on my credit report without my permission and without providing proper validation as required by law. 
XXXX. Lack of Contract & Chain of Title : I have never entered into a contract with any of these third-party agencies. They have failed to provide a complete " Chain of Title '' or " Deed of Assignment '' proving they legally purchased these specific alleged debts from the original creditor. Under Indiana Code 26-1-9.1, a transfer of rights requires strict evidence of assignment, which I have not received. 
XXXX. FDCPA Violation ( 15 U.S.C. 1692g ) : I demand strict proof of these debts, including the original consumer contract bearing my signature. A simple computer printout or " verification '' letter is insufficient validation under federal case law ( XXXX v. XXXX ). 
XXXX. FCRA Violation ( 15 U.S.C. 1681i ) : These accounts are unverified. I dispute the accuracy and completeness of these trade lines. The furnishers have failed to conduct a reasonable investigation or provide the " Method of Verification '' used to verify these accounts with the credit bureaus. 
XXXX. Indiana Collection Agency Act ( Ind. Code 25-11-1 ) : I question whether these agencies are maintaining the proper surety bonds and licensing required to collect debts in the state of Indiana XXXX 
Demand for Resolution : Reporting inaccuracies on my credit report causes strict liability under the FCRA. Since these agencies can not provide the original contract or a valid Chain of Title, they are legally required to remove these negative items immediately. 
I demand the immediate deletion of these XXXX accounts from all credit reporting agencies ( XXXX XXXX XXXX ) within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Skopos Financial, LLC
State: IL

Complaint narrative:
This is a follow up regarding an open investigation I have about Reprise Financial withdrawing unauthorized payments from my account and charging returned payment fees when I never signed any authorization for autopay and I never agreed to it at all. Complaint number is XXXX. 

Autopay remains active despite my explicit denial of consent and despite the prior complaint being open. The company continues unauthorized electronic debits and refuses removal unless I mail a letter. I am requesting immediate removal of autopay and reversal of fees. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
I am filing this complaint because Remitly refused to provide a goodwill payment or provisional credit, even though I am a confirmed victim of fraud and an investigation is ongoing. 

On XX/XX/XXXX, I discovered that funds I sent via Remitly were directed to a party engaging in fraudulent activity.

I immediately reported the issue, including contacting Remitlys support and filing with law enforcement. 

Despite clear evidence of financial hardship caused by this fraud, repeated requests for provisional credit or goodwill payment were denied. 

No escalation to a supervisor was offered, and no reasonable resolution was provided in a timely manner. 

This refusal occurred while the investigation was still ongoing, leaving me and my family in severe financial strain. 

Remitly allowed the transaction to proceed without enhanced due diligence, even after multiple fraud red flags were present

Company response to consumer: Closed with explanation