vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SC

Complaint narrative:
I am filing this formal complaint regarding my private student loans currently serviced by MOHELA and originally issued under private student loan programs including XXXX XXXX and Tuition Answer loans. Originally owned by XXXX XXXX. My federal student loans were previously discharged through a federal borrower defense case due to school-related misconduct. However, my associated private student loans remain active despite substantial evidence of excessive financial harm, potential predatory lending practices, and possible inaccurate or unfair consumer credit reporting. XXXX XXXX Harm According to my loan records as of XX/XX/year> : Total Amount Paid : {$160000.00} Total Principal Paid : {$64000.00} Total Interest Paid : {$96000.00} Current Remaining Balance : {$110000.00} Despite paying over {$160000.00}, including more than {$96000.00} in interest alone, I still carry an overwhelming private student loan balance. This repayment structure raises serious concerns regarding : Unfair and abusive lending practices Excessive compounding interest Potential misrepresentation at origination Failure to provide meaningful borrower protections Possible servicing or reporting inaccuracies I request immediate investigation into the following : 1. Predatory Lending / Unfair Loan Structure Whether the original private loans were issued under deceptive or abusive conditions Whether loan balances exceeded lawful educational cost-of-attendance limits Whether loan terms were structured to maximize long-term borrower harm 2. Consumer Reporting Accuracy Verification that all payment history, balances, delinquencies, and account statuses reported to consumer credit bureaus are accurate Investigation into any improper reporting that may unfairly damage my credit profile Correction or removal of any inaccurate, misleading, or harmful reporting under the Fair Credit Reporting Act ( FCRA ) 3. Borrower Defense / School Misconduct Relevance Review whether the same school misconduct that justified federal loan discharge should apply to private educational debt tied to the same institution Assessment of whether these loans should be reduced, discharged, or otherwise restructured due to fraudulent educational practices 4. Servicer Conduct Examination of MOHELAs servicing practices Review of capitalization, payment allocation, and communication transparency Confirmation that payments were properly applied and not unfairly used to prolong indebtedness

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial is incorrectly claiming I have an active auto loan for a vehicle I never received. The transaction was never completed, and I did not take possession of the vehicle at any time. Financing was conditional and was never properly finalized or funded. I was previously told by representatives that no loan existed, yet I am now being told I am responsible. The dealership failed to deliver the vehicle and did not complete the transaction, which invalidates any alleged loan obligation. Any account created under these circumstances is inaccurate. I formally dispute any responsibility for this loan and request immediate closure of the account, written confirmation that no valid loan exists, and assurance that no negative credit reporting has occurred or will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I have had an account with Paypal for XXXX years. I use this to operate my XXXX XXXX XXXX. I have never had complaints, chargebacks, disputes, or required refunds. I also had paypal for XXXX years for a second company. Paypal started ( on the second company ) to lock my account every couple months, requiring me to send extensive information ( business licenses, receipts, vendor contracts, pictures, etc ) to prove transaction justification. This was exhausting and frustrating, to the point that I stopped using them for that business XXXX XXXX XXXX Last week on XX/XX/year> I collected {$900.00} from a customer through my first paypal account and within XXXX hours, paypal locked my account and would not let me access the funds. This was a tap-to-pay in person transaction. They asked for the normal things ( business license, description of sale, etc ) I provided all of that, and then they immediately added dozens more requirements, including a requirement to resolve the 2nd business paypal account I had that I have not used in over a year. Personal information like copies of my bank statements, etc. I need access to those funds, and would like to simply close paypal account and find another provider, but paypal will not allow me to talk to anyone about that, refused to give me employee id number for the rep I was talking to, and have threatened to add more limitations to my account if I do not comply. The balance in my paypal account is {$1000.00}. I have not had a single dispute or chargeback, and they are treating me as if I am under criminal investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I reported a compromised account almost. XXXX XXXX XXXX due to theft. Upon re-entering my account and gaining access back XXXX, was taken out. Ive been told by XXXX supervisors provisional credits would go back and I wouldnt have to wait to XXXX business days given current situation of evacuating wildfires in ga. I was told basically what I wanted to hear to get off th phone and sofi needs to replace the money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: SC

Complaint narrative:
On XX/XX/year>, I traded in my vehicle, a XXXX XXXX XXXX, which had a remaining balance of {$24000.00}. Carvana provided a trade-in value of {$23000.00}, and the remaining {$1500.00} was rolled into the new loan. While waiting for the trade-in to be completed, I made a required payment of {$500.00}, which reduced the old loan balance to {$24000.00}. On XX/XX/year>, Carvana paid off the old loan with a total payment of {$24000.00}. Based on these amounts, I should have received a refund of {$500.00} from Carvana. I have contacted Carvana multiple times and was told I would receive a response regarding the overpayment, but I have not received any follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Regarding accts : XXXX XXXX I submitted a dispute on XX/XX/XXXX for XXXX unauthorized charges made using my device, which I had left at a friends home from XX/XX/XXXX to XX/XX/XXXX. I also left my bag there. The device was a new XXXX XXXX that I had only recently set up. At the time, I had not yet enabled a PIN or Face ID. When I retrieved my device on the night of XX/XX/XXXX, I noticed a new app had been downloaded called XXXX XXXX along with numerous charges from a merchant named XXXX XXXX. The following morning, I immediately reported the fraudulent charges to both Wells Fargo and XXXX. The charges were pulled from XXXX checking accountstwo with Wells Fargo and XXXX with XXXX. Both banks initially issued provisional credits. About XXXX days later, XXXX completed their investigation, confirmed the charges were fraudulent, and made the credits permanent. However, Wells Fargo conducted their own investigation and ultimately denied my claim, holding me responsible for the charges. On XX/XX/XXXX, Wells Fargo reversed the provisional credit. I contacted Wells Fargo multiple times, speaking with XXXX different agents and even escalating the issue to their Executive Office. Despite this, I received no meaningful resolution or explanation as to why I was being held responsible. Then, on XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that XXXX of the charges ( {$50.00} ) from the same claimmade on the same device and with the same merchantwas determined to be fraudulent, and that provisional credit would be made permanent. This is extremely confusing and concerning. How can XXXX charge be deemed fraudulent under the exact same circumstances, while the remaining XXXX are considered valid? This inconsistency makes no sense. I called again seeking clarification and spoke with an agent named XXXX, who refused to escalate my call to a manager. He admitted he could not explain the discrepancy between the decisions, yet still declined to escalate the matter. At this point, I feel I have no choice but to formally submit this complaint. This situation reflects either a serious flaw in the review process or a lack of proper evaluation. Either way, I am the one being negatively impacted, and I am requesting a thorough review of this case by someone with the authority to resolve it appropriately.

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 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX I applied for a no document loan for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' in XXXX XXXX XXXX My personal credit was pulled and I was only given a XXXX dollar business credit card. After asking for a business line of credit, a business loan and several business credit cards. I was only approved for just one credit card, on a personal guarantee. My Corporation was denied all, funding from Bank of America due to my business being XXXX. My business can't get funding for working Capital, Auto loan or even a startup loan to establish a successful business.

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 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I am an XXXX XXXX XXXX. I applied for XXXX benefits on my vehicle loan in XXXX and was confirmed in writing by compliance XXXX XXXX XXXX that I would receive a refund via direct deposit within 7 business days of XX/XX/XXXX. To date XX/XX/XXXX, over XXXX year later I have not received my refund. Below is the documented timeline of failures : XX/XX/XXXX I selected Option C ( refund ). XXXX XXXX confirmed direct deposit within XXXX business days. XX/XX/XXXX I was told to follow up if not received timely. XX/XX/XXXX I followed up. No refund received. XX/XX/XXXX XXXX stated she was awaiting departmental approval. XX/XX/XXXX I sent a formal written follow-up. No resolution, no response. XX/XX/XXXX Still no refund. No communication. I have full email documentation of every exchange listed above. This company confirmed my XXXX refund in writing and has failed to deliver for over 12 months. This is a federal violation of the XXXX XXXX XXXX XXXX. I am simultaneously escalating this matter to XXXX XXXX. I am requesting the CFPB compel this company to immediately issue my refund and provide written confirmation of disbursement.

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 2026-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This complaint concerns Capital Ones handling of a dispute related to a window installation project with XXXX. The transaction occurred in XX/XX/XXXX for installation services. After installation, multiple defects were identified, including improperly functioning windows, missing components, and installation errors. XXXX continued attempting repairs over several months, including an in-person inspection on XX/XX/XXXX with their Director of Operations. I initiated a dispute with Capital One on XX/XX/XXXX using a XX/XX/XXXX service date, while the service was still ongoing and XXXX was actively attempting to resolve the issues. I relied on this ongoing repair process in good faith. Capital One later requested additional documentation and indicated I had approximately XXXX weeks to submit it. I submitted the requested materials on XX/XX/XXXX. Capital One denied the dispute, stating it was outside the allowable timeframe under XXXX guidelines. During a follow-up call, I was informed that the dispute used my only opportunity to file and that the XXXX window had expired during their review process. I was also told there are no exceptions or alternative review options. This resulted in the dispute being closed while the service remained incomplete and after I relied on both the merchants repair efforts and Capital Ones instructions. I believe the dispute was initiated prematurely while the service was ongoing and that I was not given a fair opportunity to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Subject : Refund Request for {$140.00} Annual Fee on XXXX XXXX XXXX XXXX XXXX Credit Card - Account XXXX Dear CFPB Complaint XXXX, I am writing to file a consumer complaint regarding my XXXX Rewards Prestige Visa Signature Credit Card, issued by Comenity Bank ( Bread Financial ). I opened this account in XX/XX/XXXX but now request a one-time refund or waiver of the {$140.00} annual fee due to buyer 's remorse and the card 's benefits being unusable for me. The terms and conditions states I have 30 days to cancel. However, I could not use the benefits in 30 days so I waited until XX/XX/XXXX which is closer to my anniversary date of XX/XX/XXXX and to my dismay I am told none of the benefits can help me considering where I live which is in XXXX XXXX and I would have to travel over XXXX miles to access a ( 1 ) night stay so I am kindly asking for this one time reversal of charges and if you feel inclined to close my account you can do that as well, because I've had nothing but trouble with this card, no matter what problem I have it's almost always a " no '' and frankly I'm tired of it. When I signed up, the card promised perks like a complimentary anniversary hotel night ( up to {$300.00} value ), {$100.00} dining credit, XXXX slot play, and Tier Credits for spending thresholds ( e.g., XXXX credits at {$5000.00} spend ). However, these provide no value : - XXXX properties are XXXX miles from my home in XXXX, XXXX, making travel for a single night impractical. - Dining and slot credits require visiting those distant locations. - My {$750.00} credit limit prevents earning meaningful rewards or hitting spend bonuses like {$5000.00} annually. I contacted XXXX twice post-signup to redeem benefits but learned of these limitations. The fee was charged despite this mismatch, and cancellation won't refund it per their policy. I've been a good customer with no late payments. I've also requested Comenity Bank to refund the {$140.00} fee as a courtesy waiver and/or downgrade me to the no-fee XXXX Rewards Visa. Your assistance enforcing fair treatment is appreciated. Thank you, Date Signed Up : XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I got charged for a uber ride I did not take. XXXX has not complied with a refund so I tried to dispute it with cash app which they denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NEW YORK COMMUNITY BANCORP INC
State: IN

Complaint narrative:
In XXXX, I lost access to my XXXX account after a phone number change. I made attempts to recover access but was unsuccessful. Because I could not stop the charges through the merchant, I cancelled my debit card specifically to prevent further transactions. Despite cancelling the card, charges from XXXX continued to be processed using the same card information for an extended period of time, totaling approximately {$1200.00}. I disputed these transactions with Flagstar Bank and received over XXXX separate letters denying my claim with inconsistent determinations. A small number of charges were credited ( {$79.00} ) but the majority were denied. The bank 's primary reasoning for denial was based on Regulation E and a 60-day reporting window. However, this response does not address the core issue : transactions continued to be approved after debit card had already been closed. I took reasonable and appropriate steps to stop the unauthorized activity, yet the bank failed to prevent ongoing charges. I submitted a formal written complaint and a follow up reconsideration request, both of which were delivered to the bank via certified mail. I have not received a meaningful response addressing the continued approval of transactions on a closed card. Instead, I received additional form letters repeating the same denial. Formally closed the debit card to prevent further charges to my bank account. XX/XX/XXXX XX/XX/XXXX Contacted bank to pursue explanation of unauthorized charges totaling {$1200.00}. on a closed card. XX/XX/XXXX Bank account was credited {$79.00}. Started receiving over XXXX letters denying rest of charges. XX/XX/XXXX I Sent a formal letter of requesting a second review. XX/XX/XXXX Received a letter stating reason for full credit denial based on Regulation E. XX/XX/XXXX I Sent another letter to request a Reconsideration and to address and request a written explanation to the Bank 's determination of denial based on Regulation E. After XX/XX/XXXX, I received another XXXX letters to duplicate the ones received on XX/XX/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 2026-04-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Brief Statement on Fraud Claim XXXX Hi, this is XXXX XXXX. Someone else used my credit card ending in XXXX on XX/XX/XXXX on an XXXX transaction. I reported this fraudulent transaction on XX/XX/XXXX. However, as the investigation shows on XX/XX/XXXX, this is a valid transaction because XXXX claims that they delivered the item to the address on file. First, I have never used this card on my XXXX account. I faxed a screenshot of my XXXX wallet as a reference. You can also review all my former transactions on this card. I never used this card on any XXXX transaction. Second, I faxed a screenshot of all my XXXX purchases since XXXX. I have never used my XXXX account to purchase an item worth XXXX USD. This transaction can not be under my authorization and my account. Third, I attached a copy of XXXX police report with case number : XXXX as a proof of my own words. Local police have received and approved the case and are doing the investigation. Finally, for my apartment, XXXX XXXX, all XXXX packages were delivered to the mailroom, not someones front door. As the XXXX response file shows, the recipients name, email, and phone number were not XXXX XXXX. Only the card information and the billing address match. And I do not know the name on their file. So, I was never notified that there was such a package. I contacted the leasing office, and they confirmed there is no such a package.

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 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I close on the purchase of my new home on XX/XX/year>, I have not received my final closing disclosure within the 3 day time period they legally have to send it to me. I have already tried calling Navy Federal Credit Union to get in contact with my loan processor, my loan XXXX, or a XXXX who can actually assist me in getting the closing documents. Every time I call I am told by a answering machine that these people are not available right now, and I get redirected to someone else who does record my complaint and " puts in a ticket '' but does nothing to actually remedy the situation. I have fully given Navy Federal Credit Union everything they require to process this loan in a adequate amount of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief