vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
In XX/XX/year>, after completing a loss mitigation review, we were informed by PHH Mortgage ( now Onity ) that our loan was not in default and not in foreclosure. On XX/XX/year>, we attempted to make a full contractual monthly payment of {$2200.00} in good faith toward the past due balance. We were explicitly refused and told that no payment would be accepted unless we made a minimum lump sum payment of {$6800.00} ( XXXX payments ). When we requested documentation of this requirement, we were repeatedly told it was company policy, but no written documentation could be provided. We were directed to review our original loan documents, loan modification documents, and general company policy ; however, these materials do not contain this requirement, and the company does not provide borrower-accessible documentation of this policy. Representatives stated that this policy was intended to help borrowers catch up, however, in practice, it prevented us from making a good-faith payment and forced us into a position where we had to either come up with a large lump sum or risk losing our home. Additionally, fees were added to our account, including multiple charges in assessed expenses, which were not disclosed in advance despite being told there would be no fees associated with the loss mitigation review. Because the company refused to accept a standard monthly payment and could not provide documentation supporting its requirement, we were forced to borrow funds from a family trust and make a lump sum payment of {$9100.00} to bring the account current. This caused additional financial hardship that could have been avoided if the company had accepted our payment or clearly disclosed its requirements. At no point were we provided clear, written information explaining that a minimum lump sum payment would be required or that standard payments would be refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I PURCHAED SOME DESIGNER BAGS FROM XXXX XXXX XXXX XXXX FOR {$770.00} THRU XXXX USING MY BARCLAY MASTERCARD ON XXXX. UPON RECEIPT OF THESE ITEMS I NOTED THAT THEY WERE CHEAP PLASTIC AND NOT AT ALL THE REAL LEATHER DEISGNER BAGS AS PROMISED. I FILED A DISPUTE IWTH BARCLAY MC AND THEY WERE NOT AT ALL COOPRATIVE, PUTTING THE BURDEN OF PROOF ON ME. I SPECIFICALLY ASKED THEM IF THEY WOULD REIMBURSE ME FOR PRODUCT VERIFICATION AND THEY CLOSED THE CASE. I REOPENED THE CASE STATING THAT SELLING COUNTERFEIT THIKNGS WAS UNLAWFUL AND THEY STILL SIDED WITH THE MERCHANT. THE CHARGES WERE PLACED BACK ON MY CARD. I EVEN ASKED FOR SHIPPING LABELS TO SEND BACK THE FRAUDULENT ITEMS BUT THE MERCHANT HAS NOT RESPONDED

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 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX opened with American Express in XX/XX/XXXX, with 2 deposits of XXXX each in XXXX. Deposits made using Amex online transfer from my checking account with XXXX XXXX Bank. No contact until email dated XX/XX/XXXX stating account was restricted and asking me to call. I called and was told they need 4 months bank statements to verify source of the XXXX funds. I refused but offered the documents showing the large deposit of funds into that bank, which I have used to invest in many savings accounts including American Express. I received a very large inheritance from my mothers estate in XXXX which was transferred to XXXX state bank by XXXX from the investment firm. I understand federal laws on large suspicious deposits that require a financial institution to do their due diligence, but this is absurd and offensive to a customer. I was not intending to remove the funds. In fact, my intent was to add additional funds. I want my funds unrestricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Validation of Debt Request - JEFFERSON CAPITAL SYST - XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Kikoff Inc.
State: VT

Complaint narrative:
After I paid the loan back I tried to remove my bank account info from the grant app and the wrote me this I feel unsafe knowing I can't remove my personal bank info While we are not able to completely delete your bank account or debit card info from our system due to regulatory compliance reasons, we can remove our connection to your bank account so we will no longer have access to additional linked account transactions. In order to do so, you'll need to first close your Grant account. To close your account, please follow these steps : 1 ) In the app, select the " Account '' tab 2 ) Select " Manage Plan '' 3 ) Select " Close my account '' Please let us know if you've closed your account or if you have any other questions. Thanks, XXXX | Grant Customer Support

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Klarna AB
State: NJ

Complaint narrative:
I FILED XXXX XXXX XXXX XXXX YEARS AGO. KLARNA HAS HAD THIS INFORMATION. KLARNA HAS CONFIRMED WITH ME THEY HAVE THIS INFORMATION. KLARNA CONFIRMED WITH ME THEY REMOVED THIS PAYMENT. KLARNA CONFIRMED WITH ME I WAS CLEARED TO START A NEW ACCOUNT AND START PURCHASING. THAT IS A FLAT OUT LIE. EVERYTIME I TRY TO USE KLARNA IT COMES BACK I CAN CONTINUE ONCE I PAY OLD DEBT. I HAVE CALLED THESE PEOPLE. I HAVE CHATTED WITH THESE PEOPLE. I HAVE SENT IN MY DISCHARGE PAPERWORK MYSELF! I HAVE GOTTEN CONFIMATION THEY HAVE MY DISCHARGE PAPERS AND YET XXXX YEARS LATER SAME PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I deposited {$350.00} into my XXXX account XXXX and the account was frozen, I attempted contacting customer support which they said they sent email verification for ID, I did not realize I had an old email on on file but can not change it without my account being unfrozen, Ive submitted my id per their request in customer support however Ive received no response back in my email for XXXX weeks after attempting XXXX times. The old email attached to the account is XXXX. I was going to use the money to pay for gas as I have started a new job however it has been frozen since. I attempted asking why but they stated they did not have information why it was frozen. Thank you, have a nice day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On Monday, XX/XX/XXXX, I made a payment on my Chase XXXX Bank credit card from my XXXX XXXX business checking account. I meant to pay XXXX, but entered XXXX by mistake. When I realized this mistake on Tuesday, XX/XX/XXXX, I contacted Chase by phone and they refused to reverse this payment. They also lowered my credit line by the same amount. I contacted TD Bank to dispute the payment while it was still showing " pending '' in my account, and they said they couldn't stop or reverse it, but could file a dispute. I would like this incorrect payment reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
RE : Complaint Deceptive Billing & Unauthorized Charges XXXX XXXX / XXXX Membership XXXX We submit this complaint against XXXX XXXX ( billing processor for XXXX XXXX XXXXXXXX XXXX for deceptive and unauthorized recurring charges to our XXXX XXXX account in connection with a disputed timeshare contract. Financial Institution & Account Bank : USAA Federal Savings Bank Account : USAA Classic Checking Account No. ending XXXX Routing No. : XXXX Account Holders : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Billing Entity Merchant : XXXX XXXX Phone : XXXX Charge description on statements : XXXX XXXX XXXX ' Category : Vacation Monthly charge amount : {$110.00} Nature of the Complaint Beginning in or around late XXXX, XXXX XXXX began debiting {$110.00} per month from our USAA checking account as the financing/billing agent for Membership No. XXXX with XXXX XXXX XXXX XXXX These charges continued through at least XX/XX/XXXX totaling over {$1500.00} in connection with a timeshare contract we have formally disputed and demanded be rescinded. Our rescission demand, based on material non-disclosure of mandatory lodging fees of {$2500.00} {$5000.00} per reservation, was delivered in writing on XX/XX/XXXX. Despite formal written notice, no rescission, refund, or written response has been provided by the company or its billing agent. We are requesting the CFPB investigate XXXX XXXX 's billing practices and the recurring charge structure used in connection with this timeshare contract, and assist in securing a full refund of all amounts charged to our account. Charge History ( XXXX XXXX USAA Account ) XX/XX/XXXX through XX/XX/XXXX : $ XXXXmonth x 13 months = approximately {$1500.00} Relief Requested 9. Investigation of XXXX XXXX 's recurring charge practices in connection with XXXX timeshare contracts 10. Assistance securing a full refund of all charges : upfront membership payment ( ~ {$18000.00} ) and all XXXX XXXX monthly charges ( ~ {$1500.00} ) 11. Notation of this complaint in the CFPB complaint database to identify patterns Full supporting documentation including bank statements, contract, payment logs, and all correspondence is available upon request.

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX Leafy Financial LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : FINAL NOTICE - FAILURE TO VALIDATE DEBATE / VIOLATIONS OF THE FDCPA & FCRA ACCOUNT : XXXX ____________________________________________________________________ To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Demand for Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges of statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information ( if required by law in your jurisdiction ). A billing summary is NOT proof of debt of ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureau is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and and constitutes the furnishing fo inaccurate and incomplete information. Additionally, continued collected efforts without proper validation violate the FDCPA, specially ; 15 U.S.C. 1692e -False or misleading representations 15 U.S.C. 1692f - Unfair practices 15 U.S.C. 1692g - Failure to validate debt If this account in not permanently deleted from all consumer reporting agencies and all collection efforts of not cease within 15 calendar days. I will proceed legal action against your agency under 15 U.S.C 1681n and 169k, including but not limited to statutory damages, punitive damages, legal fees, and costs. this is your final opportunity to resolve this matter before I file a formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General, and pursue civil litigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint against Wells Fargo regarding a cash deposit that was not credited to my account. On [ date ] at approximately XXXX XXXX, I deposited {$920.00} in cash at a Wells Fargo ATM located at XXXX XXXX XXXX XXXX. The ATM accepted the money but did not provide a receipt, and the funds have not appeared in my account. I rely on my account for my daily expenses, and this missing deposit is causing a serious issue for me. I have already reported the problem, but I need this matter investigated as soon as possible. I am requesting that Wells Fargo review the ATM records, transaction logs, and camera footage to confirm the deposit and credit the {$920.00} to my account. Thank you for your assistance in resolving this matter.

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 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: GA

Complaint narrative:
I am filing a formal complaint regarding inaccurate, misleading, and potentially unlawful credit reporting by MOHELA/XXXX. Based on my records, the Date of First Delinquency ( DOFD ) for this account is approximately XXXX. I have not made any payments on this account since approximately XXXX. Despite this, the account is currently being reported in XXXX with recent activity in XXXX, including months marked as on-time or current. Upon reviewing the account details, the report shows scheduled payments of approximately {$32.00} for XXXX, XXXX, and XX/XX/XXXX, while simultaneously reflecting that {$0.00} was actually paid for those months. Despite no payment being made, these months are still being reported as current or on-time. This is factually inaccurate and internally inconsistent. A {$0.00} payment can not satisfy a payment obligation, yet it is being reported as if it did. Following these months, the account then reflects severe delinquencies ( XXXX, XXXX, XXXX, and XXXX days late ), which further demonstrates inconsistent and misleading reporting of the accounts true status. Additionally, if the Date of First Delinquency is in fact XXXX, this account is being reported far beyond the maximum allowable reporting period under federal law. Under 15 U.S.C. 1681c ( a ), negative accounts generally may not be reported more than XXXX years from the date of first delinquency. Continued reporting of this account in XXXX raises serious concerns that the account has been improperly re-aged or is otherwise being reported outside the legally permissible timeframe. This conduct violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting {$0.00} payments as on-time payments is inaccurate and misleading. Under 15 U.S.C. 1681i, a reasonable reinvestigation is required. The continued reporting of this inconsistent payment history suggests that a proper investigation was not conducted. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to investigate disputes and correct inaccurate information. MOHELA/XXXX has failed to correct or explain this contradictory reporting. Courts have consistently recognized that information is considered inaccurate under the FCRA if it is misleading or internally inconsistent, even if it originates from a companys internal system. Given the inaccurate payment history, contradictory reporting, and potential improper reporting period, the entire tradeline is unreliable and can not be corrected through simple updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On Thursday, XX/XX/year>, I linked an external bank account ( XXXX XXXX ) to my Huntington account profile. Following that action, my account was locked for security reasons. I was informed that the only way to resolve the issue and restore access was to visit a local branch. I contacted the branch manager, XXXX XXXX, who instructed me to bring a recent XXXX XXXX statement and come into the branch so he could call the security department, as they would likely need to speak with me directly. I promptly provided the requested XXXX statement and went to the branch. XXXX XXXX placed a call regarding the issue ; however, I was not asked to speak with anyone directly. After the call, I was told everything had been resolved and that my access would be restored by Monday. Monday passed with no resolution. I followed up with XXXX XXXX, who said he would look into it, but I did not receive any further communication. On Tuesday, I attempted to log in again and remained locked out. I contacted Huntington support by phone and was toldagainthat I needed to visit a local branch with a XXXX XXXX statement. I explained that I had already done this and provided all relevant details, but was directed back to the local branch. I reached out to XXXX XXXX again, and he indicated that, from his perspective, the issue appeared to be resolved. However, I still do not have access to my account. I contacted him once more and asked that he escalate the issue or connect me directly with someone who could provide clarity. His response was : I will reach out to the team that is handling these requests. I have no contact number to reach someone directly. I wish I could resolve this, but I am at the mercy of the retail risk department. At this point, I have no access to my banking and no clear point of contact to resolve the issue. I need immediate assistance in restoring access to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services
State: OH

Complaint narrative:
I purchased XXXX vehicles from XXXX XXXX XXXX Mississippi the loans originated in XXXX and XX/XX/XXXX their handling of these accounts including the acceptance of a knowlingly false identity theft claim, the improper removal of legitimate accounts from a consumer credit file, and subsequent repossession and replevin threats which constitutes a serious violation of their obligations under the Fair Credit Reporting Act. The loans were voluntarily executed by my stepfather. There was no unauthorized activity, no forgery, and no identity theft. The identity theft report was filed solely due to buyer 's remorse. On XXXX XXXX he filed a fraudulent identity theft report with XXXX Police Department which transferred the case to XXXX Police Department. They completed the investigation and determined no evidence fraud and identity theft. This finding alone should have prevented any fraud designation or account removal. MBFS has stated this is between private parties but they are the ones who completed their own investigation opened the accounts back up in XXXX allowed me to make payments after they spoke with the dealership and myself. The accounts were temporarily closed, then reopened, and I was instructed to continue making payments and their fraud analyst told me he hoped he could get my stepfather by himself on the phone and he comes clean about the transactions. Their fraud analyst also spoke with the detective and was told their was no evidence of fraud and that they will not pursue any criminal charges. Despite these findings, MBFS repossessed and sold one vehicle and now is demanding {$26.00}, XXXX to reinstate my other loan on a car they had me drop off at the dealership on XX/XX/XXXX to prevent them filing a replevin against me. This has caused me measurable financial harm and XXXX. I was contacted by the dealership on XXXX XXXX asking me why my car was their by my service advisor on my cars i had to explain the embarrassment of what is going on and told him I would reach out to MBFS. I spoke with XXXX in their skip department who is very familiar with this account and I asked why is the accounts being labeled fraudulent. I asked her about reinstatement of the loans and me retrieving my cars back. She informed me that they sold one of them and I could get the other one if I pay {$26000.00} via email with details on how to do so. I responded to the email with the unfairness of me having to pay for a car thats been sitting on a lot for the last XXXX months and prior to that sitting in my garage why we find a fair resolution but MBFS had so many hands in this account and I don't think people were communicating with the other. The car they sold they would only reinstate if I made full payment. I have advised them that I have contacted the Attorney General Office in Ohio and Texas to assist me.

Company response to consumer: Closed with explanation