vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I had purchased car parts for my XXXX XXXX XXXX via XXXX. The amount of the purchase was {$270.00}. The seller confirmed they would deliver the items after payment was collected, however the items never ended up being delivered. I had attempted to contact the seller multiple times in order to solve the issue directly, but the seller refused to provide me with a refund. I had contacted XXXX XXXX on XX/XX/XXXX, however on XX/XX/XXXX they refused to help with my issue. I then proceeded to contact my bank, Bank of America, however they also refused to help on this matter. I contacted XXXX again through the phone number provided by my bank, however the person assisting me was rather rude and refused to cooperate with me. XXXX seems to disregard the consumer. An overall sour experience. I then contacted Bank of America once again, but they still were insistent on not providing support. It has been over two months, and my items have still not been delivered and both XXXX and Bank of America refuse to help.

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 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Last XXXX, I was searching for a travel deal for a trip to XXXX, XXXX, planned for XX/XX/XXXX. I found an attractive offer on the Chase credit card website ( XXXX XXXX XXXX  ) ( see attached Picture XXXX ). 
The offer included a {$300.00} introductory bonus and XXXX bonus miles after spending {$5000.00} within the first XXXX months of opening a XXXX XXXX credit card account. Please note that Chase is currently advertising a similar promotion on its website ( see attached Picture XXXX ), now offering XXXX bonus miles. 
I applied for the Chase XXXX XXXX credit card and received a confirmation email on XX/XX/XXXX ( see Picture XXXX ). After receiving the card by mail, I increased my purchases and spent {$5000.00} within the required XXXXmonth period, thereby fulfilling the terms of the offer. When I contacted Chase Customer Service regarding the bonus miles, I was informed that it would take an additional XXXX weeks to process the XXXX bonus, which I accepted. 
However, when I called again on XX/XX/XXXX, a Chase representative informed me that they had never offered XXXX bonus miles in XXXX and that I was not eligible for the bonus. I strongly dispute this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: NY

Complaint narrative:
We respectfully submit this formal consumer complaint concerning fraudulent, deceptive, and negligent practices committed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their shared platform XXXX and affiliated finance partner GoodLeap ( formerly XXXX  ). 
We are joint homeowners of XXXX XXXX XXXX XXXX XXXX XXXX New York, where we entered into agreements for a solar energy system, roof replacement, and HVAC installation. Due to the contractors ' improper handling of permits, duplicate and conflicting contracts, and misfiled utility and municipal records, the XXXX XXXX XXXX XXXX issued Building Violation # XXXX. These actions have caused substantial financial harm, regulatory exposure, and emotional distress. 
Despite the project being actively disputed and unresolved, GoodLeap has issued collection threats and warnings of potential system disconnection, placing us at risk of credit damage and loss of service for work performed under defective and unauthorized conditions. 
Enclosed are verified agreements, municipal violation records, interconnection filings, internal project tracker records, and loan communications supporting this complaint. We respectfully request investigation, enforcement action, consumer protection relief, rescission of deceptive contracts, and assistance in preventing further harm while this matter is under review. 
Thank you for your attention to this serious matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I contacted OppLoans ( XXXX ) to resolve an outstanding debt and was transferred to XXXX, a third-party collection agency. During that call, XXXX explicitly stated that once the balance was paid, the account would be deleted from my credit report ( a pay-for-delete agreement ). Based on this representation, I paid the debt in full. 

After payment, OppLoans informed me that XXXX did not have authorization to report to the credit bureaus because they did not own the account. OppLoans then refused to delete the tradeline from my credit report, despite the fact that the debt was collected under the representation that it would be removed. 

This situation is deeply concerning. The account was placed for collection and collected under false or misleading pretenses, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ). I relied on the collectors statement that payment would result in deletion, and I would not have paid under those terms otherwise.

Additionally, I requested copies of the recorded phone calls from both XXXX and OppLoans to verify the representations made to me. Both companies refused to provide the recordings. 

I am requesting that this account be deleted from all credit bureaus immediately, as the debt was collected under a pay-for-delete representation and in misleading circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding Mariner Finance , LLC and their refusal to properly investigate and remove a fraudulent account from my name. 
I reported to Mariner Finance that an account in my name was opened fraudulently. I did not open, authorize, or benefit from this account. I disputed the account and provided information supporting my claim of identity theft. 
On XX/XX/year>, Mariner Finance sent me a letter stating that their investigation was complete and that they were unable to verify fraud. They stated the account would no longer be reported as disputed to the credit reporting agencies and that I remain responsible for the debt. 
I believe Mariner Finance has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). I requested that they review the documentation used to open the account, including the original signed contract, application information, IP address records, and any identifying details. To date, I have not been provided with sufficient documentation proving that I opened this account. 
This fraudulent account has negatively affected my credit and continues to cause financial and emotional distress. 
I am requesting that the CFPB require Mariner Finance to : 1. Provide complete validation of the alleged debt, including all documents bearing my signature. 
2. Provide copies of all application and identity verification records associated with the account. 
3. Conduct a reasonable and thorough reinvestigation. 
4. Cease reporting this account to credit reporting agencies if they can not prove it was legitimately opened by me. 
5. Remove any negative credit reporting related to this account if fraud can not be disproven with verifiable documentation. 
If necessary, I am prepared to provide an Identity Theft Report and police report to further support my claim. 
I am seeking a fair resolution and correction of my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I visited the XXXX XXXX, XXXX CA location of Wells Fargo Bank in an attempt to get a partial amount of funds currently on hold ( {$3300.00} of a total of {$54000.00} on hold ) released to me one day early so that I can pay my rent by the deadline of XX/XX/year>. I informed both the teller and Branch Operations Manager ( XXXX XXXX XXXX XXXX ) that I regularly deposited checks from the company that issued the {$3300.00} without issue in the past. I further informed both ladies that my rent was due today and that I now face eviction proceeding because of this unreasonable hold on funds. Both ladies reviewed my account and referred me to customer service and informed me that they would not help me. Now my family and I are faced with a major hardship with viable means of relief.

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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE 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 XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 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: OneMain Finance Corporation
State: CA

Complaint narrative:
This is not a duplicate complaint. I URGE CFPB TO launch an external investigation into the internal operations of the XXXX office of One Main Financial. I reasonably believe XXXX at One Main Financial is somehow in a personal capacity involved and linked with bank employee XXXX primarily why she is marking my complaints as duplicate so the complaint goes nowhere. One main Financial likes to play games. So let 's play games. Bring it on! In my last cfpb complaint, this bank confirmed they have received and sent the additional documents to the relevant department regarding the dispute. I received another letter telling me they have not received those additional documents which this bank confirmed in writing that they have sent it to the relevant department in my last complaint 's repsonse. Today, this bank 's XXXX office person XXXX told me they have no jurisdiction because the XXXX office is a different department than chargeback. The corrupt and crooked XXXX told me she has no clue the bank has sent me another letter. This bank is corrupt and crooked. I URGE CFPB TO launch an external investigation into the internal operations of the XXXX office of One Main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I closed my Chime checking account which then caused my access to the online portal be revoked. I am not able to access my tax form 1099 in order to correctly fill my tax return. Chime refuses to mail a paper copy to the address on file. They say I must re-open my checking account in order regain access to the online portal and get the form that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Dispute Regarding Wrongful Billing and XXXX XXXX XXXX : Regional Acceptance Corporation ( RAC ) | Phone : XXXX ( XXXX ) XXXX XXXX Vehicle License Plate : XXXX XXXX To the Consumer Financial Protection Bureau : I am filing this formal complaint against Regional Acceptance Corporation ( XXXX  ) regarding their failure to act on a timely notification of vehicle location, which resulted in the loss of my property and an invalid claim of debt. 
On XX/XX/XXXX, I was incarcerated for a two-month period. On XX/XX/XXXX, acting in good faith, I contacted XXXX and informed them that the vehicle was located at XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX ). During this call, XXXX expressly agreed to retrieve the vehicle. 
Records from XXXX XXXX confirm that the lender was formally notified and engaged. Specifically : Article Number XXXX : Notice sent to me regarding the impound status. 
Article Number XXXX : Formal notice sent directly to Regional Acceptance Corporation. 
Furthermore, internal logs from XXXX XXXX show that XXXX called the impound lot on XX/XX/XXXX and XX/XX/XXXX to discuss the vehicle. Despite being in direct contact with the lot and having nearly XXXX weeks before the XXXX auction deadline, RAC still failed to retrieve the vehicle. This negligence directly caused the vehicle to be auctioned. 
XXXX continues to charge me for a loan on an asset they allowed to be sold. I have already stated on a recorded phone call that I deny any financial responsibility. XXXX representatives insist I remain liable for a vehicle no longer in my possession due to their own breach of agreement. I have requested call recordings from XXXX for XX/XX/XXXX, but they have refused to provide 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 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I sent {$100.00} to my minor daughter act she had created on XX/XX/year>. We were not aware she would need a sponsor to use the account. The transaction completed despite the account not being fully open or verified. My daughter is unable to use the money or send it back to me. I have tried to cancel the transaction and cant. Customer service has told me 2x now there is nothing we can do other than to add a sponsor to her account so that she can send the money back. When we tried that, it wouldnt allow us to add a sponsor. Cash App also told me that after 30 days, the money would be auto returned to me. This did not happen and they refuse to reverse the transaction or offer any further assistance. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I am submitting this complaint regarding an invalid debt being collected against me for merchandise I never received. 
On XX/XX/XXXX, I went to the merchant XXXX XXXX XXXX ) to pick up an item using a XXXX XXXX agreement that was secured in my name using my own credit. Upon arrival, I was informed that additional funding would be required. I applied for the additional funding and was declined. As a result, I left the store without receiving any merchandise. The transaction was not completed, and the item remained in the merchants possession. 
I later contacted the merchant for clarification and was informed that the item was marked as picked up. However, I never received the item. I am the sole party to the XXXX XXXX agreement, and I did not authorize release of the merchandise to any third party. 
Despite this, the merchant applied my lease funds after my departure and released the item to another individual who was not listed on my contract. Any consent to proceed under my lease was contingent upon completion of the transaction with me as the receiving party. Once I was declined for additional funding and left the store, I was no longer an active participant in the transaction. No authorization existed to proceed under my lease or to transfer merchandise to any third party. 
The debt has since been referred or sold to a third-party debt collector ( velocity investments. LLC company handle paperwork XXXX financial services ), who is attempting to hold me responsible for this balance. I formally disputed the account and requested validation, including proof of delivery bearing my signature and documentation showing authorization for third-party release. No such proof exists because the item was never delivered to me and I never authorized its release. 
This appears to be merchant error and unauthorized use of my lease agreement. I am being improperly held liable for merchandise that was given to someone else without my consent. 
I am requesting that this account be closed, all collection activity cease, and any negative credit reporting related to this matter be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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
Consumer complaint received 2026-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: VA

Complaint narrative:
I have been trying to work this with Sallie Mae for about 3 years with zero success. I have a loan that I requested in 2015 for the amount of {$5500.00}. This is the amount that is shown on the Sallie Mae website and the Promissory Note that I was approved for but the total amount owed on this loan is {$14000.00}, which is almost triple the amount requested and approved. I have a fixed interest rate of 8.875 % and have been in repayment for almost 3 years. I have been disputing this overage with zero success of Sallie Mae. I need further assistance to get this resolved as I did not request more than {$5500.00} and do not understand why I am being charged more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Date : [ Insert Date ] Nelnet XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Student Loan Account Dispute Account Number XXXX ( XXXX XXXX ) To Whom It May Concern, I am writing to formally dispute information associated with the student loan account listed above for XXXX XXXX XXXX Account Number : XXXX ), currently reporting a balance of {$39000.00}, including {$1800.00} in interest. I request a full review and validation of this account, including the principal balance, interest charges, payment history, and any reporting to credit bureaus. 

At this time, I am requesting that Nelnet provide verification of the following : The original promissory note bearing the borrowers signature A complete payment history from the loans origination to present Documentation showing how the current balance of {$39000.00}, including {$1800.00} in interest, was calculated An itemized breakdown of interest accrual and capitalization, if applicable Proof of Nelnets authorization to collect on this account Copies of any correspondence or notices sent regarding this loan Until this information is provided and verified, I request that any negative reporting related to this account be suspended or corrected, if applicable.

This letter serves as a formal request for investigation under applicable consumer protection and credit reporting laws. Please respond in writing within 30 days of receipt of this letter.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
i filed bankruptcy and was finalized back in XXXX XXXX XXXX  They keep emailing me to pay with a settlement called them gave them my case number and attorney info and even emailed them the same information and still getting emails daily to pay. this is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Nelnet is claiming I owe two debts totaling approximately {$4500.00} ( {$2600.00} and {$1800.00} ) and has referred them to the Department of Education XXXX XXXX XXXX for collection. I dispute these debts because I have never borrowed any federal student loans. 

I have only ever attended XXXX XXXX XXXX in XXXX, NJ, where I attempted to earn an associate degree. I never attended any other college or university and never took out a student loan. 

I have requested full validation of these debts from Nelnet, including promissory notes, disbursement records, loan agreements, and school information, but have not received proper documentation. 

At the time of my XXXX XXXX XXXXankruptcy filed XX/XX/year>, the balances claimed were {$2600.00} and {$1800.00}. I dispute any current balance over {$6000.00}. 

I am requesting that Nelnet and XXXX validate these debts, and if they can not provide proof, I request that the debts be removed from my credit reports and that all collection activity cease immediately until validation is provided.

Company response to consumer: Closed with explanation