vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 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:
I am a victim of a criminal blackmail/extortion case. I notified Wells Fargo of the crime and the bank refused to place a manual hold on the reversal of funds and the supervisor XXXX acted like she didn't hear me and proceeded to transfer me to another agent after I asked for her full name and employee ID and Case ID number so I could file a report stating that the bank was informed of an active extortion case and refused to take manual action to protect the my funds. The bank is failing to follow proper fraud protocols and is inadvertently assisting a criminal in defrauding me the victim.

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 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have not received a refund for inappropriately being steered into long-term forbearance instead of income-driven repayment plans which resulted in significantly increasing my total debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX : Billing Disputes/ Collections Department Subject : Dispute of Account in Collections Due to Lack of Proper Written Notification To Whom It May Concern, I am writing to formally dispute the validity of an account that has been placed into collections under my name. I was not provided with proper written notification or documentation regarding this account prior to it being sent to collections. At no point did I receive clear, written communication outlining the balance owed, the due dates, or any notice indicating that the account was at risk of being transferred to a collections agency. Without this information, I was not given a fair opportunity to address or resolve the matter in a timely manner. Due to the lack of proper notification, I respectfully request the following : 1. Full validation of the alleged debt, including a detailed account history and any signed agreements associated with the account. 2. Proof that proper written notice was sent to me, including dates and addresses used for delivery. 3. Immediate removal of this account from collections and any negative reporting to credit bureaus if proper notification can not be verified. Under my rights as a consumer, I am requesting that this matter be investigated thoroughly. Until such validation is provided, I dispute this debt in its entirety. Please provide all requested documentation and correspondence in writing to the address listed above. Thank you for your prompt attention to this matter. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: CA

Complaint narrative:
I am a XXXX XXXX and accept multiple forms of payment, including checks, cash, cashiers checks, and wire transfers. Occasionally, clients prefer to pay by credit or debit card, so I recently started using XXXX to process payments. Through XXXX, I selected PayPal as my payment processor and created a business account, providing all requested information, including my ID, EIN, business details, and address for verification. After completing a full kitchen renovation project, I processed several payments from my client totaling {$35000.00}. The payments initially went through successfully ; however, the following day, I was notified that my account had been permanently closed and my funds were placed on hold without any clear explanation. I contacted customer service multiple times but was unable to receive any meaningful assistance or reason for the account closure. I was told that the funds could be held for up to 120 days unless the client files a dispute. My client has since submitted a dispute, but I have been unable to respond properly through the system, and despite follow-up calls, I have not received any response or support. I have full documentation of the completed work, including contracts, invoices, and photos, and I am requesting assistance in resolving this matter and releasing my funds as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Between XX/XX/XXXX, and XX/XX/XXXX, XXXX unauthorized charges totaling {$18000.00} appeared on my account from " XXXXXXXX XXXX XXXX XXXX. '' I have XXXX affiliation with this merchant. I timely disputed these charges on XX/XX/XXXX. After a two-month review, Citibank denied the claim on XX/XX/XXXX, without providing evidence of how they determined the charges were valid. Since the denial, I have called the dispute department bi-weekly. While representatives have been professional, no progress has been made, and the fraudulent balance remains on my account, accruing interest and threatening my credit standing. Citibank has failed to properly investigate a clear case of identity/account fraud and has not fulfilled its obligations under the Fair Credit Billing Act to correct a blatant billing error. I am seeking a full reversal of the {$18000.00} in charges and all associated interest.

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 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Nothing happened they kept increases the fees every week and then sent a wage garnishment to my job and it was processed. When I looked at the first complaint they stated to CFPB were still working on it as of XX/XX/year>.. They told the untruth.. I filed a previous complaint against them. I had previously closed the account when I was out of work and could not afford to pay XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: AL

Complaint narrative:
My car was totaled back in XXXX of XXXX. I had full coverage but no gap. I later learned that my car wasn't paid in full and that I owed upwards of {$4000.00} from Prestige not from my insurance company. Long story short, after a few phone calls we established the balance and over the years they've garnished my paycheck here and there. The judge term began on XX/XX/XXXX with a starting balance of {$3700.00} per the account statement emailed to me by Prestige Financial. I'll attach the statement below but they've called when there was a lapse in my employment of set up payments to which I would ask about them update the balance on my credit report and I could never get a direct answer until about XXXX months ago. I was told over the phone that they will not update my current balance on my credit report to reflect what I've paid via garnishments. I asked again as I was recording them because I felt that was illegal to knowingly due and then tell me you're not going to update after taking my money. As it stands today, the statement that have shows an account balance of {$1300.00} to which I was told something about a little bit of interest but to my recollection, it is somewhere around {$1100.00} left. Why take my money and not update my report accurately. I'm actively working on cleaning up my credit and I can not have things like this holding me back. They need to be held accountable if they are to get another dime of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
This is a follow-up complaint regarding my mortgage servicer, RP Funding, and their handling of insurance claim funds related to damage from XXXX XXXX ( XX/XX/year> ). I previously filed a complaint with the CFPB regarding this issue, which remains unresolved. Since the loss occurred, I have complied with all requirements requested by RP Funding, including submitting multiple contractor estimates, completing inspections, and maintaining communication through phone calls, emails, and written correspondence. RP Funding initially released only a small portion of the insurance proceeds, which allowed partial repairs to begin. However, they are now withholding the majority of the remaining funds while requiring that I complete a significant portion of the repairs before additional funds will be released. This is not feasible, as the funds being withheld are necessary to complete those repairs. As a result, my home remains in a partially repaired and damaged condition, and I have been forced to live in these conditions for an extended period of time. Additionally, after entering into a loan modification, my monthly mortgage payment was increased shortly thereafter through an escrow adjustment, despite my homeowners insurance premium being reduced. This has further impacted my ability to complete necessary repairs while funds are being withheld. I have made multiple good faith attempts to resolve this issue directly with RP Funding, including submitting a formal exception request, but I have not received a timely or meaningful resolution. This is not an isolated issue, but an ongoing pattern of delay and obstruction that is preventing me from restoring my home. I am requesting : * Immediate release of the remaining insurance funds necessary to complete repairs * A clear and enforceable disbursement process * Review of RP Fundings loss draft handling practices for compliance This situation has caused ongoing hardship and must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
CareCredit / Synchrony has signed me up for their XXXX XXXX XXXX without my knowledge and charged me {$41.00} as a type of security. This would be a monthly payment that would add up to {$740.00} to my overall balance for no reason whatsoever. I am part of a promotional XXXX/ no interest period, have proof for it as well, and I reached out to the company to request that the apparently monthly fee to be cancelled and for the initial amount to be refunded. Nowhere in the sign-up process does it show you are signing up for this " security payment " program. It is deceptive and predatory. I would like for them to be investigated, and if possible, to join their XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX class action lawsuit against 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 monetary relief
Consumer complaint received 2026-03-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I used my Chase credit card at a laundromat in XXXX XXXX to pay for services. After completing my transaction, I put the card back in my wallet. On XX/XX/year>, while at home, I checked my Chase credit card statement online and discovered an unauthorized charge of {$700.00} at XXXX XXXX XXXX in XXXX, XXXX. I have never traveled outside XXXX XXXX in XX/XX/year> and did not authorize this charge. I believe my credit card may have been stolen at the laundromat and used by an unknown individual. I immediately called the Chase Fraud Department at XXXX to dispute the fraudulent charge. Chase issued a credit of {$700.00} to my account. On XX/XX/year>, I noticed the {$700.00} had been re-charged to my account. I contacted Chase again to demand a refund, and they issued XXXX. However, in XX/XX/year>, Chase reversed the credit again and informed me that their fraud department had determined the charge was legitimate. Chase has now closed the dispute without resolving it in my favor, despite the fact that I was not in XXXX, did not make this purchase, and reported it promptly. I have since filed a police report with the XXXX XXXX Police Department ( XXXX # XXXX, filed XX/XX/year> ) documenting the theft and fraudulent use of my credit card. I am requesting that Chase re-investigate this fraudulent charge of {$700.00}, issue a permanent credit to my account, and stop treating this unauthorized transaction as legitimate. The charge was made by an unknown suspect who stole my card, and I should not be held financially responsible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: DC

Complaint narrative:
I have transferred {$1400.00} from my XXXX debit card to my XXXX bank account last XX/XX/year>. The said funds were said to be delivered to the receiving bank XXXX XXXX, however, when I contacted my receiving bank in XXXX, they said they couldn't see that transaction and there are no pending incoming deposit or transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased a headlight from XXXX for {$190.00} and received a defective light. I reached out to the seller to notify them of the defective light and how I could return the item or replace it for a new one. The seller did not accept my request to replace the or return the item, they offered me a {$20.00} refund in which I refuse. I reached out to citi bank to file a dispute regarding the defective light I received from the merchant. Citi did their investigation and closed the case stating the claim ruled in the merchant favor because I did not return the item. I told citibank that I have screen shot of convocation between the merchant and I where I offered to return the defective item and was not given the opportunity to because the merchant did not provide any return information for me to do so. I spoke to a citi dispute personnel who told me they would reopen the case and send me an email platform where I can submit my supporting documents. I was told that I would receive the email in XXXX hours. It has been XXXX days and I have received an email or have gotten any information about my claim.

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 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am filing a complaint against PHH Mortgage regarding what appears to be inaccurate and deceptive mortgage balance accounting after a servicing transfer from Ocwen to PHH. My mortgage was previously serviced by Ocwen. In XXXX, Ocwen issued an IRS Form 1099-C for this mortgage loan, reporting cancellation of debt in the amount of {$230000.00} for the property located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Years later, after servicing transferred from Ocwen to PHH in or about XX/XX/XXXX, that same debt amount appears to have been added back into my loan through a later loan modification, but the modification documents do not clearly disclose that a previously canceled/discharged amount was being reinstated. The balance history reflects major unexplained increases. The reported mortgage balance was about {$300000.00} in XXXX, {$380000.00} in XXXX, {$610000.00} in XXXX, and {$700000.00} in XXXX. The current payoff is about {$700000.00}. These increases total hundreds of thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, Chase Bank sent an email to me saying that my Chase points were used to buy XXXX business class tickets worth {$1300.00} from XXXX to XXXX and that amount was deducted from my Chase awards account. I immediately called Chase to let them know it was a fraudulent transaction. They canceled the ticket and returned the points to my account. I asked for information about how someone was able to access my account and all they said was that the transaction was done via customer service. I asked what information was given to gain access to my account and they would not say.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: SC

Complaint narrative:
I am writing in response to your communication regarding an alleged debt. I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1. The amount of the alleged debt, including any interest, fees, or charges 2. The name and address of the original creditor 3. Copies of any documents bearing my signature that show I agreed to this debt 4. A complete payment history, including how the amount you claim is calculated 5. Proof that your agency is licensed to collect debts in my state ( if required ) Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. If you are unable to provide the requested documentation, please confirm in writing that this account has been closed and that no further collection efforts will be made. Additionally, if this debt has been reported to any credit reporting agencies, I request that it be marked as disputed. Please note that this letter is not a refusal to pay, but a request for verification of the alleged debt. I expect your response within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding an inaccurate and potentially fraudulent collection account being reported on my credit report. A collection account from Waypoint XXXX XXXX has been placed on my XXXX credit report. I contacted the collection agency directly, and they stated they were unable to locate any account associated with my name or Social Security number. Despite this, the account continues to be reported as valid. I disputed this account with XXXX, and the dispute was denied without proper investigation or verification. No documentation has been provided to prove that this debt belongs to me. I also contacted XXXX, the alleged original creditor, and filed an identity theft report, as I have no knowledge of ever opening this account. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as unverified and inaccurate information is being reported and is damaging my credit profile. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates is reporting a debt on my credit report for account number ending in XXXX XXXX in the amount of {$410.00}. This account is listed as a debt buyer account, and I have not received any prior written notice, validation, or communication regarding this alleged debt. I became aware of this account only after reviewing my credit report. Portfolio Recovery Associates did not provide : Written notice of the debt after it was acquired Validation of the debt, including an itemized breakdown of the balance Identification of the original creditor Documentation showing that I am legally responsible for this account Additionally, there are significant inconsistencies in the reporting that raise concerns about accuracy : The Date Opened ( XX/XX/XXXX ) is reported as occurring after the Date of First Delinquency ( XX/XX/XXXX ), which is contradictory and misleading The account shows only XXXX month reviewed, which does not reflect a complete or accurate account history The reported balance equals the high credit amount without any supporting documentation or explanation These discrepancies indicate that the account may be reported inaccurately and incompletely. Reporting a debt without proper validation and with conflicting information appears to violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, furnishing incomplete or inaccurate information to the credit bureaus raises concerns under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
I have a federal student loan that was paid in full in [ month/year ]. The account had a XXXX balance at the time of the late payment notations being reported. MOHELA reported late payments on this XXXX balance account to all three credit bureaus. XXXX subsequently deleted the entire account from my credit report. Following the deletion, the account was re-reported this time incorrectly as an active collection. This is factually inaccurate. The account was paid in full over a year ago and has a XXXX balance. I have payment confirmation showing the account was satisfied in full. MOHELA is reporting inaccurate information in violation of the Fair Credit Reporting Act. I am requesting that MOHELA immediately correct their reporting to all three credit bureaus to reflect that this account was paid in full and closed, and that all negative notations including the collection status be removed.

Company response to consumer: Untimely response