vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to use my cc. Would not work 2x. Called the cc phone number. They said they could not access the info on the account to say what the issue is, until i visit a branch, and provide identification verification in this way.

I asked where in the user agreement this was stated, they did not say. I called the branch and they also said i needed to come into the branch for identity verification. One person said there was a security hold that was caused on XX/XX/year>. 

I have been into the branch many times since this date, and no verification was ever mentioned. I have used the cc many times and paid many thousands of dollars on the account, no verification needed. I had an issue with a security question in XXXXXXXX XXXX. STILL NO MENTION OF THE HOLD. 

Today, my cc will not work, no one, including multiple managers at BMO will take this seriously. I am asking for the page, paragraph, line or subtext, any written statement that says I need to verify my identification before BMO will grant me access to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was in the process of a loan modification with Wells Fargo home mortgage, and they transferred my loan to mister XXXX rocket mortgage. Neither of the 2 companies gave me a deadline. Wells Fargo spelled my name wrong after a marriage name change, on the title causing the documents to be delayed and when they were received at XXXX XXXX, they were incorrect as well. I called XXXX XXXX to get a status update and was told the loan modification deadline was XX/XX/XXXX and I had been informed that the deadline passed causing my loan modification to be denied. Wells Fargo also updated XXXX XXXX incorrectly stating that my last payment was in XXXX of XXXX which was incorrect. My last payment was in XX/XX/XXXX, and I continued making my payment to XXXX XXXX as of XX/XX/XXXX until XX/XX/XXXX. I was told by XXXX XXXX 3 times that they would re-apply for a loan modification but each time I call they keep telling me the same thing. The representative I spoke to today XX/XX/XXXX informed me that I could get a dissolution letter any day now forcing my loan into foreclosure due to non-payment. I have proof of payments and am waiting for Wells Fargo to provide proof as well so I could get this resolved.

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 2026-01-14 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: NJ

Complaint narrative:
PLEASE DO NOT MARK THIS AS A DUPLICATE COMPLAINT AS MOHELA HAS NOT REFUNDED MY OVERPAYMENT OF {$27.00}, XXXX. 
Please help me get my refund, please. Loans have been paid off since XX/XX/year>2025, they have had my overpayment since, please assist me in getting information as to when I will received my refund. 
Again, please be aware they have had the overpayment since XXXX 2025. 

Ive called and emailed, they have been telling me for 2-3 months now that they have sent refund approval to the treasury dept XXXX but I have yet to receive my refund and or updates from them! 

I have filed complaints in regards to XXXX XXXX  regarding my loans. At this time, XXXX XXXX reported that they have been awaiting from Mohela as the checks were originally sent to Mohela rather than XXXX XXXX. After their investigation, the confirmed they have been waiting for Mohela to send the monies back to XXXX XXXX so as this would provide {$0.00} balance to my outstanding loans. 
Neither XXXX XXXX  or Mohela have responded and or fixed the situation. 
Please help! 

Loans from XXXX XXXX  total {$32000.00}, and I have been informed by them that Mohela had received the checks and awaiting further action from Mohela. It has been many months and Mohela has yet to sent them the monies owed to them from me. 
This has caused major stress in my life. It is beyond devastating as these loans were paid off in XXXX 2025, almost 1 yr later not resolved. 
Please be aware, I will also file another compliant against Mohela for overpayment on my part of {$27000.00} which they have confirmed will be a refund back to me. 
All these loans were paid directly from my title company ( as I took a home equity loan to pay off loans ) and the title company used my credit report to pay off loans, directly sending payment to them. 
Please please help, this has been an ongoing issue and though they respond to you, they have not cleared my accounts, and I have not received my refund after many emails and phone calls. 
People should not be treated this way at all, this is a huge discrepancy in our system!! Ive worked very diligently in the XXXX XXXX XXXX XXXX my entire career, caring for people, saving lives for a living, endless hours of XXXX, and devoting over 15 hours daily to help total strangers in need of my services, never lacking empathy or skills. Now in turn, I can't even get my money back after so many years serving people and communities in need! 
This has been a disgrace and disservice!!!!!! Mohela should be ashamed of how they treat people that have earned an education ( paid for it ), devoting their lives to helping others!!! Shame on these agencies. 
Regards

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
A former landlord charged {$2100.00} for normal wear and tear after move-out and kept my security deposit. I left the unit spotless and have photo and video proof. Management changed after my tenancy, and the current management may not have firsthand knowledge of the units condition. The debt is inaccurate and is being reported on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Complaint Against JPMorgan Chase Bank , N.A . 
In XX/XX/year>, I applied for a Chase mortgage refinance and was pre-approved on XX/XX/XXXX. Despite the loan and property being solely in my name, Chase later required my husbands signature. My husband resides overseas, so I requested the exact required Power of Attorney ( POA ) form.

After weeks of delay, the title company provided a POA form in early XXXX. The notarized form was confirmed as acceptable, so my husband obtained an apostille at personal cost and time. On XX/XX/XXXX, Chase stated the POA was incomplete and required a witness signature, more than two months into the process.

These changing requirements, delays, and poor communication caused financial loss, wasted time, and stress. A complaint to Chase XXXX XXXX in early XXXX received no resolution or follow-up. 
I request CFPB review of Chases refinance handling, including unreasonable delays and inconsistent documentation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: Rosebud Economic Development Corporation
State: IN

Complaint narrative:
I took out a personal loan from Three Sticks Lending in XXXX or XXXXXXXX XXXX XXXX. The loan amount was for XXXX. They have been debiting XXXX bi-weekly from my personal checking account since then. There have been no missed payments. I was reviewing my finances recently and thought, this should have been paid off a long time ago. I called the company expecting them to say there had been a mistake and that I had overpaid the loan. By my calculations, I have already paid them over XXXX back towards the XXXX loan. I was told that the pay off is approx XXXX. I then asked how this was possible? The gentleman didnt know what to say. I asked the interest rate and was told it was XXXX XXXX 
I, of course, thought this is ILLEGAL!!!. I did see that this company claims to be a tribal lending company not held to the state limitations on interest rates. 
I called them back to request a written copy of the Truth in Lending Disclosure from a lady named XXXX. She stated that she was going to get the disclosure for me and submit a request to discharge the remaining balance of the loan. I agreed to this. I was told that it could take up to XXXX hours for the approval of this. I just found it very odd that they were so willing to just discharge the remainder of the loan with no questions asked. I am very hopeful that you can assist me with this. This is robbery. I wish for this to be stopped for any future customers. I would have never accepted a loan knowingly with an interest rate of 410.75 %. I am an educated RN who was in dire straits with a medical financial crisis last year. Please feel free to reach me at XXXX or XXXX. Thank you in advance.

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 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc.
State: MA

Complaint narrative:
Upstart Network Inc. is furnishing materially inconsistent and inaccurate information regarding this account to multiple credit reporting agencies.

The account is reported differently on XXXX  and XXXX, including discrepancies in account status, payment status, remarks, and reporting dates. The same account is not reported to XXXX  at all. 

Because the information furnished to XXXX  and XXXX  is materially inconsistent, it can not be considered accurate or complete as required under the Fair Credit Reporting Act.

I previously disputed this account with the credit bureaus. The bureaus indicated the information was verified by Upstart, yet the inconsistencies remain. This demonstrates that the information is either inaccurate or was not properly investigated.

I am requesting that Upstart conduct a formal investigation and either correct the reporting across all credit bureaus or delete the account if it can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I went to Bank of America branch in XXXX North Carolina made a cash deposit at their ATM in the amount of {$500.00}, received the receipt stating that my deposit was on hold and would be available the next day which would have been XX/XX/XXXX deposit made on XX/XX/XXXX XXXX.That was incorrect as cash is available immediately. I immediately went inside the branch and let them know what had happened shown them my receipt they act like they had no clue as to what to do but give me a number to file a claim. I called the banks claim department and they have been giving me the runaround since they are causing me a hardship as I have bills that need to be paid immediately. When stress this to the bank twice they denied me access to my phones still knowing that it was creating a hardship as well.

They are making me wait to get my money back

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 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am disputing a debt that was sent to collections and reported despite being actively disputed and unsupported by documentation. 

I vacated the rental unit on XX/XX/year>, as reflected on the final invoice. The original creditor charged me for the replacement of an allegedly missing XXXX  thermostat and utility usage after move-out. However, timestamped XXXX XXXX / XXXX  documentation shows the thermostat was active on XX/XX/year>, confirming the device was present and operational after I surrendered possession of the unit. This documentation was provided to the creditor prior to the account being sent to collections. 

In addition, the creditor assessed a {$350.00} painting charge without any itemized invoice, scope of work, dates of service, or supporting documentation explaining what work was performed or how the amount was calculated. 

I contacted the creditor multiple times in writing, requesting clarification and documentation. These inquiries were ignored. I sent a formal written dispute and provided a deadline for response, which was also ignored. Instead of addressing the dispute or providing validation, the creditor sent the account to collections. 

After the account was placed with the collection agency, I formally disputed the debt. Despite this, the creditor stated only that the charges stand without addressing the evidence, providing documentation, or validating the debt. A conclusory statement without proof does not constitute proper validation. 

The collection agency is attempting to collect and/or report a debt that remains disputed and unverified. Reporting or attempting to collect a disputed debt without proper validation violates consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Date : XX/XX/XXXX To : American Express XXXX. XXXX XXXX XXXX XXXX, TX XXXX Subject : Procedural Request Under Section 609 of the Fair Credit Reporting Act and 15 U.S. Code 1681c Request for 1099-C and Immediate Account Removal if Not Provided Dear To Whom It May Concern, This is a formal procedural request pursuant to my rights under : Section 609 of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c Requirements relating to information exclusion and obsolescence I am writing to request a copy of IRS Form 1099-C ( Cancellation of Debt ) pertaining to the following account allegedly associated with me : Creditor Name : American Express Account Number XXXX XXXX Reported Balance : {$3700.00} Date of Charge-Off or Last Activity : XX/XX/XXXX Under federal law, if a debt has been canceled, charged off, or forgiven in whole or in part, the creditor is required to file a 1099-C with the IRS and provide a copy to the debtor . If such form was filed, I request a copy for my records.

If you have not issued a 1099-C, this implies the debt has not been legally canceled, or you are continuing to pursue collection in which case the information being reported may be inaccurate or incomplete under Section 609.

Additionally, under 15 U.S. Code 1681c, obsolete or inaccurate information can not be reported beyond the legally allowed period ( typically 7 years ). Reporting a canceled or time-barred debt may be a violation of this statute.

DEMAND If you are unable to provide a copy of the 1099-C within 15 days of receipt of this notice, I am demanding immediate removal of the above account from all consumer reporting agencies ( XXXX, XXXX, and XXXX  ) to which it has been furnished.

Failure to respond or continued inaccurate reporting may constitute willful noncompliance with the FCRA and may result in further legal action, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and consideration of a civil suit under FCRA 616 and 617.

Please send your response and any supporting documentation to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: HI

Complaint narrative:
My credit account was closed today, XX/XX/XXXX. I was informed that a notice of account closure had been emailed in XX/XX/XXXX. After reviewing my inbox, I confirmed that the email was sent on XX/XX/XXXX. 

I believe this situation is highly concerning, as no additional attempts were made to notify me via phone call or physical mail, despite the fact that Ive held this account since XXXX. Failing to properly communicate such an important matter reflects extremely poor business practice and borders on negligence. This raises serious concerns about transparency and customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: IL

Complaint narrative:
So around XX/XX/XXXX someone went to XXXX XXXX and spent my money, I disputed it, I got credits back, but now they are trying to make me pay it back. I appealed it & it still got denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
There are 2 accounts from Midland Credit on my credit report that I did not mine and I do not know who did them. The first account # is XXXXXXXX XXXX XXXX XXXX XXXX with an amount of {$240.00} opened on XX/XX/XXXX and the second account with Midland is from XXXX XXXX  account # is XXXXXXXX XXXX XXXX XXXX XXXX with an amount of {$990.00} opened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I am filing a complaint regarding my auto loan serviced by Westlake Portfolio Management related to a confirmed total loss insurance claim and conflicting information regarding XXXX insurance coverage. 

My vehicle was involved in a not-at-fault accident and has been declared a total loss by my insurance company. On XX/XX/year>, I contacted Westlake in writing to request a copy of my retail installment contract and written confirmation of whether my auto loan included XXXX insurance, debt cancellation, or any total loss protection. 

On XX/XX/year>, I was informed that there was no claim information on my account and that I needed to contact a separate insurance claims department. I emailed the insurance claims department on XX/XX/year>, providing the insurance claim number and again requesting documentation. Despite multiple phone calls and voicemails, I did not receive a response until XX/XX/year>. 

On XX/XX/year>, I spent several hours on the phone with Westlake and was transferred between five different representatives. During these calls, three representatives verbally stated that I DID have GAP insurance. However, the final representative I spoke with stated that I did NOT have GAP insurance, but refused to provide this determination in writing or provide a reference number. He stated that if XXXX insurance existed, it would have been purchased through the originating dealer, US Auto Sales.

Du
ring this call, I requested copies of all retail installment documents, add-on product agreements, and account records with 2 different representatives. I was advised that these documents would be provided within the hour by both representatives. As of now, more than 24 hours later, I have not received the requested documentation or any written confirmation. 

I later received an email from Westlake Insurance Claims department stating that an initial check does not show XXXX insurance and that the matter had been forwarded for further review however, the department or personnel it was getting forwarded to was not disclosed. To date, I have received conflicting verbal information, no definitive written determination, and no copies of my loan documents despite repeated requests. 

The lack of clear, consistent, and documented information has prevented me from properly coordinating the insurance settlement and has created financial harm given the confirmed total loss and potential remaining loan balance. I have remained current on my loan and have acted in good faith throughout this process.

Company response to consumer: Closed with explanation