vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Klarna AB
State: CA

Complaint narrative:
When I tried to pay a past due amount klarna added the next months payment that was not due until the following month and now my payment was double and they will not allow me to pay the past due amount. My payment went from {$200.00} to {$400.00}. Then when I gathered the money finally to get caught up now they added the next months payment and is now {$600.00} still unable to pay past due amounts like all other credit cards allow you to do to avoid a 30 day late. So now I try o pay the {$600.00} today and because its past the due date again now they want me to pay the full complete balance of {$1100.00} because I am XXXX days past the due date. If I don't pay in full by XX/XX/year> they stated it goes to collections. This is an unfair process and and I wouldn't have been so behind if they would have allowed me to pay my past due balance every month without adding the next months payment that was not even due yet. My credit has been my priority and I have worked so hard to keep it up. These are unfair practices and should not be allowed. I had some job issues from XXXX and I ma now working XXXX jobs to get current on everything but this makes it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I never receved bank statement From Bank of America about increasing my interest rate I have long time conversetion with representative XXXX XX/XX/XXXX XXXX i explain all my problem why i do not nknow about increase interst rare I think she undestand everything and made report But today i receeve emai about denyed Weve carefully reviewed your account information and history heres our decision : XXXXXXXX XXXX XXXXXX/XX/XXXX | {$110.00} | Declined XXXX XXXX XXXXXX/XX/XXXX | {$44.00} | Declined XXXXXXXX XXXX XXXXXX/XX/XXXX | {$110.00} | Declined XXXXXXXX XXXX XXXXXX/XX/XXXX | {$42.00} | Declined XXXXXXXX XXXX XXXXXX/XX/XXXX | {$120.00} | Declined XXXXXXXX XXXX XXXXXX/XX/XXXX | {$43.00} | Declined I can give more details if needed

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 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: SN SERVICING CORPORATION
State: MA

Complaint narrative:
My interest on my current mortgage went from XXXX  % to XXXX  % due to a foreborance loan that we both know nothing about .. they cant find the source of the forebarance loan which caused the rate to rise and also the principle to rise. they subsequntly reduced the priciple because they admitted they cant find the forebearnce source but they said I have to assume the new rate, which i dont believe is fair

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint regarding a collection account that is being reported and/or collected without proper validation or legal verification. 
I formally disputed this account and requested full validation pursuant to my rights under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ). The company has failed to provide competent evidence that I have a legal obligation to pay this alleged debt.

I specifically requested complete documentation to verify the debt, including : A copy of the original signed contract or agreement bearing my signature Proof of ownership/assignment and full chain of title showing the collector legally purchased the debt The purchase or bill of sale agreement Any insurance or bond claims or third-party payments made on the account A complete payment history/ledger from the original creditor ( not a summary ) The date of first delinquency and last payment Proof the statute of limitations has not expired The method of verification and the name/title of the person who verified the account Instead of providing these documents, the company continues to report and/or attempt collection without proper investigation or proof. This is not compliant with federal law.

Under FCRA 1681s-2 ( b ), furnishers must conduct a reasonable investigation and report only accurate, verifiable information. Under FDCPA 1692g ( b ), collection activity must cease until validation is provided. Reporting unverified information is inaccurate and constitutes negligent or willful noncompliance. 
Because the company can not evidence a signed contract or complete legal chain of ownership, they can not establish standing or my legal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My federal student loan servicer, Nelnet, reported my account as XXXX  days delinquent to the credit bureaus without proper notice. All billing and delinquency correspondence was sent to an outdated address on file, which prevented me from being aware of the issue before it was reported. 

As soon as I became aware of the delinquency, I immediately paid the past-due balance in full and brought the account current. I also updated my contact information. 

I contacted Nelnet to request a correction of my credit reporting and retroactive administrative forbearance due to lack of notice. My request was denied by a customer service representative without escalation or written review. 

I then filed a complaint with XXXX XXXX XXXX. My case was closed without review of the address issue or request for correction from Nelnet. 

This was a one-time issue caused by lack of proper notice, not an inability or refusal to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK
State: CO

Complaint narrative:
I reported multiple unauthorized transfers from my FirstBank checking account to an XXXX bank account, totalling {$9900.00}. Firstbank correctly made a provisional credit back to my Firstbank account. FirstBank later reversed the credit after receiving information from XXXXXXXX XXXX claiming I authorized the transaction based on an email response. The email was from a look-alike address and not my wifes email address on file. FirstBank provided a document package without a compliant Regulation E explanation and then debited my account {$9900.00}. FirstBank is telling me to resolve this with XXXX XXXX XXXX  but Regulation E requires FirstBank to investigate and respond with a clear regulatory basis for reversing credit. I request CFPB assistance to enforce my rights under Regulation E and obtain proper resolution and compliance documentation. FirstBank has since been acquired by XXXX XXXX, but the disputed actions occurred while the account was held by FirstBank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
ursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request full validation of this alleged debt. Please provide the following : 1. The full amount of the alleged debt, including an itemized breakdown of principal, interest, and fees.

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 Jefferson Capital Systems LLC has the legal authority to collect this debt, including a complete chain of title showing transfer of ownership from th
e original creditor to your company.

5. Proof that this debt is within the applicable statute of limitations.

6. Proof that you are properly licensed and authorized to collect in my state.

Until this debt is validated, you must cease all collection activity, including but not limited to phone calls, letters, and credit reporting. 

This letter is not an acknowledgment of liability or an admission that I owe this alleged debt. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I attempted to make a payment to my gas bill in the amount of {$73.00} ( XXXX ) with my checking account through my bank Wells Fargo on XX/XX/XXXX. Wells Fargo then took it upon themselves without my knowledge or authorization, to stop the payment from being made. I received a notice from my utility company, XXXX, stating that since in their records I requested a stopped payment that I would now be charged an additional {$35.00} returned check fee due to this. I never reached out or requested at any point for my payment to my UTILITY COMPANY to be stopped at any points. However, my debit card was charged for the amount of {$73.00} and posted to my account, the money was never returned back to me from Wells Fargo as the transaction from my debit card fully posted. Which is strange considering I was paying via my checking account and routing number. XXXX and Wells Fargo were both connected on the phone with me on XX/XX/XXXX to discuss the matter. XXXX still stated that they did not receive my payment due to the stopped payment from Wells Fargo on XXXX  end. Which is why they were adding an additional {$35.00} returned check fee. I stated several times that I never requested to stop payment to XXXX, as that makes no sense? Why would I not want to pay my utility bill? I have been up to date on all of my utility bills since Ive lived at my residence since XXXX of XXXX. There is absolutely no record of me ever requesting or attempting to initiate a stopped payment with my bank Wells Fargo. Therefore, what they did with my account was completely illegal. They messed with my account activity without notifying me and without my permission. My next step is to take legal action against Wells Fargo as I am now being penalized due to a mistake that should have never been made BY THEM.

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 2026-01-29 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: WV

Complaint narrative:
I financed a purchase from XXXX using Affirm. The package was shipped via XXXX and marked as delivered, but it was never received. 

When I attempted to file a claim with XXXX, I was blocked with error code XXXX, which XXXX confirmed means the merchant restricted claims and only the sender, Target, can file a lost package claim. 

I contacted XXXX multiple times requesting that they file the XXXX claim or document the order as not received. XXXX refused to assist or take responsibility. 

I then filed a dispute with Affirm. Affirm denied the dispute, stating they require merchant confirmation that the item was not received. Because XXXX refuses to act, I have no ability to resolve this through the XXXX or the merchant. 

As a result, I am being held financially responsible for merchandise I did not receive, with no available path to resolution despite documented attempts with XXXX XXXX, and Affirm. 

I am requesting that Affirm correct the account, remove the charges for non received goods, and cease billing for merchandise that was never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXXTo Whom It May Concern,XXXXI am writing to formally request reconsideration of Truist Banks denial of my debit card fraud claim under the Electronic Fund Transfer Act (Regulation E).\n\nThe disputed transactions total XXXX and consist of multiple unauthorized PIN-based store purchases at XXXX  and XXXX  Home Improvement locations spanning XXXX  and upper XXXX. These transactions were made in repeated amounts of XXXX XXXX XXXX, which is a well-documented fraud pattern and is inconsistent with legitimate customer behavior.XXXXI did not authorize these transactions.XXXXKey facts supporting this dispute:XXXX My debit card remained in my possession at all timesXXXX I did not share my PIN with anyone\n I responded immediately when Truist contacted me via text to confirm suspicious activityXXXX I closed the card immediately upon notificationXXXX I appeared in person at a Truist branch in XXXX XXXX XXXX within approximately 30 minutes, where the branch manager  personally filed the disputesXXXX  I signed an affidavit attesting that these charges were not mineXXXX I was physically located in XXXX XXXX XXXX XXXX XXXX, making the geographic use of the card in XXXX XXXX XXXX impossibleXXXXThese transactions exhibit a clear fraud pattern involving identical amounts across multiple big-box retailers in distant states within a short timeframe. The use of a PIN alone does not constitute proof of authorization under Regulation E, nor does it shift the burden of proof to the consumer.XXXXRegulation E places the burden on the financial institution to demonstrate that electronic fund transfers were authorized. I complied fully with all reporting requirements and timelines, and therefore my liability under Regulation E is zero.XXXXI am requesting:XXXX1.XXXXImmediate reconsideration of this claim under Regulation EXXXX2XXXXProvisional credit pending review, if not already issuedXXXX3.XXXXA copy of all evidence relied upon in the original denial, including but not limited to:XXXXMerchant transaction dataXXXXTerminal IDsXXXXTime stampsXXXXAny video or signature records used in the determinationXXXXHere are the dates and charges below. As of my writing it has been denied by Truist bank and Im hoping you will be able to force them to honor these charges and return my funds. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, I purchased a physical, tangible collectible item through XXXX, paying {$9600.00} via PayPal, with funds withdrawn directly from my linked bank account. The item required shipment to my house address. 

After completing payment, the seller did not provide a tracking number or any proof that the item was shipped. I waited beyond the estimated delivery window and checked both my XXXX and PayPal transaction details, which continued to show no tracking information. 

Beginning on XX/XX/XXXX, I contacted the seller multiple times through XXXXPayPal messaging requesting tracking information or confirmation of shipment. The seller did not and still has not respond to any of these messages. 

Because the item was never delivered and no tracking was provided, I opened an item not received dispute with PayPal on XX/XX/XXXX. In my initial description I used the word " investment '' in a personal sense to describe a long-term keepsake for my XXXX son. This was not intended to describe a financial product, service or digital asset. 

PayPal denied my claim on XX/XX/XXXX, stating that Buyer Protection did not apply due to the use of the work " investment, '' despite the item being a physical, shippable good and despite the seller providing no proof of shipment or delivery. 

I appealed PayPal 's decision on clearly explaining that the item was a tangible collectible and not a financial instrument, security, service, or digital asset. I reiterated that the seller never provided tracking or proof of delivery. 

PayPal denied the appeal again on XX/XX/XXXX, without addressing the lack of shipment or delivery evidence and without correcting the misclassification of the transaction. 

At no point did the seller provide a tracking number, shipping confirmation, or proof of delivery. The item has never been received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX, I opened a fraud claim with American Express for two unauthorized XXXX charges from XX/XX/XXXX totaling {$3100.00}. I received written confirmation that the case was transferred to the XXXX XXXX XXXX  and is under manual review. 

My account displays a notification stating that my payment options were adjusted to reflect the disputed amount, but no actual adjustment has been applied. The disputed charges have continued to be included in my balance and have accrued interest on both my XX/XX/XXXX and XX/XX/XXXX statements. I was charged approximately {$310.00} in interest in XXXX and {$330.00} in interest in XXXX, and I paid both statements in full in good faith. 

When I contacted American Express, I requested that the disputed amount be placed into non-accrual status and that interest charged on the disputed amount be credited back while the fraud investigation is pending. I was told that interest must continue to accrue until the fraud case is resolved and that no billing adjustment could be made at this time. 

Additionally, when I click View Dispute Status, it only shows canceled online billing disputes and not my active fraud case, which creates confusion and contradicts the banner stating my payment options were adjusted. 

As a result, I am being financially penalized and charged interest on amounts under an active fraud investigation, and my credit utilization is being negatively impacted. I am requesting reversal of all interest charged on the disputed amount, placement of the disputed amount into non-accrual status, and correction of my billing while the fraud case remains under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I had private student loan accounts originally with XXXX XXXX, which later converted to XXXX XXXX XXXX XXXX XXXX The loans are currently being serviced by MOHELA. At no point did I receive prior written notice that MOHELA would become the servicer of these private student loans, nor was I provided documentation explaining the basis of MOHELAs authority to service or collect on the accounts. 

Beginning XX/XX/XXXX, I sent MOHELA written requests by certified mail asking for verification of the alleged debt, including proof of ownership of the promissory note, proof of authority to collect, and a complete chain of assignment. 

On XX/XX/XXXX, I also sent MOHELA an Affidavit of Original Issuer stating that I did not receive any disclosure at origination that the loans would be sold, assigned, or securitized. 

After MOHELA failed to provide the requested documentation, I sent additional written notices, including a Notice of Fault and Opportunity to Cure ( XX/XX/XXXX ), a Notice of Default and Dishonor ( XX/XX/XXXX ), a Declaration of Estoppel ( XX/XX/XXXX ), and a Certificate of Non-Response & Administrative Default ( XX/XX/XXXX ). 

Despite receiving these notices, MOHELA has never produced any sworn or verified documentation establishing that it owns the loans or has lawful authority to collect. 

While these disputes were pending and unresolved, MOHELA continued sending payment demands and reported the accounts as XXXX days late to consumer reporting agencies in or about XX/XX/XXXX. 

This negative credit reporting caused an approximately XXXX decrease in my consumer credit score.

I believe MOHELA is furnishing inaccurate and unverified information, failing to properly investigate my disputes, and attempting to collect on accounts without demonstrating lawful standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am a victim of identity theft. 
I previously contacted Jefferson Capital Systems LLC by phone to formally notify them that this alleged debt does not belong to me and is the result of fraud. During that call, their representative acknowledged the identity-theft dispute and expressly stated that the account was being returned to the original creditor ( XXXX  ) as fraudulent. 

Despite having actual notice of identity theft and the dispute, Jefferson Capital Systems LLC proceeded to report this account to the consumer reporting agencies as a new collection, failed to mark the account as disputed, and reported duplicate balances. Jefferson Capital did so without providing any written validation, documentation, or proof that the debt belongs to me. 

After identity theft is reported, federal law prohibits continued collection activity and inaccurate credit reporting without proper validation. Jefferson Capitals actions demonstrate a willful failure to comply with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, including reporting information they knew or should have known was inaccurate and continuing collection activity after notice of fraud. 

In addition, the original creditor, XXXX, was notified of the identity theft and failed to prevent the fraudulent placement and reporting of this account with a third-party debt collector. As a result, inaccurate and damaging information was furnished to the credit bureaus despite prior notice that the account was fraudulent. 

These actions have caused ongoing harm through inaccurate credit reporting, improper collection activity, and failure to correct known errors after dispute and identity-theft notice. Police reports have been attached.

Company response to consumer: Closed with explanation