vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
XXXX XX/XX/year>, XXXX ( 2 days ago ) to me To Whom It May Concern, I am writing to formally dispute the servicing and calculation of my federal student loan under the Public Service Loan Forgiveness ( PSLF ) program and to request an immediate review for correction and forgiveness. 

I am a teacher and have remained continuously employed in qualifying public service. I have submitted my Employment Certification Forms ( ECFs ) and reinstatement documentation on an annual basis, as required under the PSLF program. Despite my compliance, my loan has been transferred among three different servicers, and during these servicing transfers, qualifying payments, employment certification, and payment counts appear to have been misapplied or omitted, resulting in a miscalculated balance. 

Under 34 C.F.R. 685.219, the U.S. Department of Education and its loan servicers are required to accurately track and credit qualifying payments made while a borrower is employed full-time in public service. Servicing transfers do not relieve servicers of this obligation, nor may borrowers be penalized for record-keeping errors that occur during such transfers. 

I am requesting the following : A full accounting of all qualifying PSLF payments from loan origination to present Documentation showing how each Employment Certification Form was applied A detailed explanation of how my current payment count and balance were calculated Written confirmation of all servicing transfers and record reconciliation Pursuant to the Higher Education Act ( 20 U.S.C. 1082, 1087 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am disputing the accuracy of the reported balance and payment history. If the Department or its servicers can not substantiate the accuracy of the loan through complete and accurate records, I request immediate correction, including retroactive credit of qualifying payments, balance adjustment, refund of overpayments, or administrative discharge consistent with PSLF requirements. 

Further, continued collection activity on a loan subject to unresolved servicing errors may constitute arbitrary and capricious agency action under the Administrative Procedure Act ( 5 U.S.C. 706 ).

Please place my account into administrative forbearance while this dispute and PSLF review are pending. I request a written response within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I purchased an airline ticket using my Wells Fargo debit card in the amount of {$630.00}. I presented myself for travel, completed check-in, and my boarding pass was scanned at the gate. However, I was denied boarding at the gate and did not travel on the flight or receive the transportation service I paid for. 

I disputed the charge with Wells Fargo on the basis of non-delivery of services. Wells Fargo denied the dispute, relying on the airlines fare rules and boarding scan data, which do not prove that transportation occurred. When I contacted Wells Fargo to request reconsideration and clarification, I was told that they do not have the authority to recover the funds and that I must resolve the matter directly with the airline. 

I requested information and an explanation regarding how scanning a boarding pass constitutes delivery of service when no transportation occurred, but Wells Fargo did not provide documentation or a substantive response. I am requesting that Wells Fargos handling of this dispute be formally reviewed under credit card dispute protections for services not rendered.

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 2026-01-26 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: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
On XX/XX/XXXX I added XXXX new card members to my account because Amex was running a promotion of XXXX skymiles per new card member added to the account ( up to XXXX or XXXX skymiles ) as long as they spent {$500.00} before a certain date. I have an email that shows the promotion. The XXXX new card members I added spent the required amount but I only received credit for XXXX, or XXXX skymiles. I received those on XX/XX/XXXX. I called in multiple times asking why I hadnt received the other points and they gave me a different excuse every time. The last time I called in was on XX/XX/XXXX and after several placements on hold they said that I agreed to or acknowledged that I would only receive points on the first card user. I asked for the recording and they said they could not provide. I asked for a copy of the terms I agreed to and they refused to provide that also. I asked them to read the transcript and I clearly asked the representative if I would get XXXX points for each person I added and they assured me I would get it. Well, they are saying that in the terms and conditions read to me that day that I agreed that I could only receive up to XXXX. This is super deceptive ( bait and switch ) especially when I have a promotional email from Amex stating that I could add up to XXXX new cardholders for a maximum of XXXX skymiles. Their representative also assured me that what the promotional email stated was valid. There is no way I would have knowingly agreed to only XXXX card member getting a bonus when their email says otherwise. I could have just done it through the link they provided me in the email but I had additional questions so I figured Id call in. Once I asked my questions they said they could help me over the phone so I accepted their help. 
All I am asking is that they honor what was presented to me and to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I made a deposit of a check on approximately XX/XX/year> for an amount of {$2100.00}. 

The check was given to me by my boss, it was made in the name of his company, but not under my name, in the same way the check was endorsed by him and by me in the back, I deposited the check in my checking account at the BMO bank in XXXX Indiana XXXX, they never paid me the check, they never returned it to the recipient, they never returned it to the sender, they did not send any communication or notification of what was happening, they closed my account on XX/XX/year>, I have gone to the bank more than 7 times, no one has a response from the check Not even the money, I talked to the sender and they did all the investigations and the bank has the money on hold and refuses to release it, they never notified me of absolutely anything, they never tried to contact me or the sender, I also want to add that when I deposit the check in my account, they asked me for a notarized trust by the company I work with and stating that I am 100 % authorized to deposit and receive those funds, even so they blocked total access to my account, closed my account, they kept the check And with the funds, I have all the evidence, I have proof of the check deposit, the account statements, the afidavid, I have real photos of the check, I have how to check everything

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 2026-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding NewRez LLC and Shellpoint Mortgage Servicing for violations of the Real Estate Settlement Procedures Act ( RESPA ) and Regulation X. 

On XX/XX/XXXX, I sent a formal Notice of Error / Qualified Written Request to Shellpoint Mortgage Servicing via XXXX Certified Mail. I have attached proof of mailing, including the certified mail receipt and payment receipt. 

This Notice of Error disputed : The accuracy and validity of the alleged default Fees, charges, and advances assessed The loan accounting and payment history Shellpoint/NewRezs authority and standing to service and enforce the loan Despite receipt of this Notice of Error, Shellpoint/NewRez failed to acknowledge the notice within five ( 5 ) business days, as required by 12 C.F.R. 1024.35 ( d ), and failed to provide a substantive written response within thirty ( 30 ) business days, as required by law.

Instead of correcting the errors or responding substantively, Shellpoint/NewRez issued a Notice of Default dated XX/XX/XXXX, while the Notice of XXXX remained unresolved. This action was taken while federal servicing errors were pending, in violation of RESPA. 

Additional Background Original lender : XXXX XXXX XXXX  : XXXXaliber Home Loans Shellpoint Mortgage Servicing NewRez LLC I previously submitted a Qualified Written Request in XX/XX/XXXX and received only delay/extension letters through XX/XX/XXXX, without substantive resolution. 

This reflects a pattern of delay, non-responsiveness, and failure to correct servicing errors.Why this is a problem Shellpoint/NewRez : Failed to comply with RESPA acknowledgment and response deadlines Failed to conduct a reasonable investigation Continued default enforcement while errors were pending Failed to provide documentation establishing standing and authority These actions violate 12 U.S.C. 2605 and 12 C.F.R. 1024.35 and 1024.36.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
To TRANSWORLD SYSTEMS INC, XXXX, XXXX, and XXXX, I am writing to formally dispute the {$12000.00} collection account being reported in connection with my former landlord, XXXX XXXX, regarding an alleged landlordtenant debt. 

This debt is inaccurate and unenforceable. 

The landlordtenant case filed against me in the XXXX XXXX XXXX Maryland for XXXX XXXX was dismissed prior to trial. The official court docket reflects a PRE TRIAL DISMISSAL, and no judgment for possession and no money judgment was ever entered against me. Additionally, the Warrant of Restitution associated with the case was canceled, with the return of service noting that I had moved voluntarily.

Because the case was dismissed before trial : ( 1 ) There is no court determination of liability, ( 2 ) There is no judgment authorizing any monetary debt, and ( 3 ) The landlord has no legal basis to claim or collect the alleged {$12000.00}.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), only accurate, verifiable, and legally enforceable debts may be reported or collected. A dismissed landlordtenant case does not create a valid debt.

I am requesting that you : Immediately remove this collection account from my credit report and cease all collection activity related to this matter.

If for any reason you contend that this debt is valid, please provide : A copy of a court judgment awarding the alleged amount, and Documentation establishing a legal obligation to pay.

Absent such proof, this account must be deleted.

Please confirm in writing that this matter has been resolved. Attached you will find are copies of proof of the Pre-Trial Dismissal, as well, that the case is closed. I am retaining copies of this correspondence and the court record for my files. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Last 4 of SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this account from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America withdrew {$2900.00} from my business checking account without my authorization to pay a credit card balance. This was not a hold ; the funds were taken. I have never been behind on any payments. This money was needed to pay rent and utilities, and I am also dealing with a medical emergency. The unauthorized withdrawal has created immediate and serious financial hardship and could cause my business to fail. I have been a Bank of America customer for over 10 years, and this has never happened before. I contacted the bank to resolve this issue, but it remains unresolved. 
The withdrawal of these funds threatens the survival of my business and prevents me from paying essential bills, including rent, utilities, and medical expenses. I have always paid my obligations on time, and this unauthorized action is putting my business and personal well-being at serious risk.

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 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate and unverified information reported on my TransUnion credit report. TransUnion has a legal obligation to ensure that all reported data is accurate and verifiable. 

Charged-Off / Collection Accounts The following accounts are reporting negative information that I dispute as inaccurate or unverified : 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 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 non-monetary relief
Consumer complaint received 2026-01-26 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: Chime Financial Inc
State: AL

Complaint narrative:
Last Monday XX/XX/year> transactions from an unauthorized XXXX account tried to make over XXXX purchases. I said it wasnt me that tried to make the purchase when chime asked was it me through txt, yet they still allowed the transactions. XXXX of those I put in a dispute for because they had cleared and processed the remaining transactions had not been and were still pending, so chime asked if I would call back when they cleared. I did so and put in a dispute, not even XXXX hours and they denied the second dispute. The first dispute is still under investigation. I asked why was it denied and they told me they couldnt tell me. The first dispute was over {$700.00} worth of charges. The second one that was denied was {$110.00} and some change! At this point, chime has stolen my money! I am out of $ XXXX for transactions that I denied, not to mention once I seen the unauthorized transactions I canceled my card. I am just trying to get my money back. At this point chime is committing fraud and stealing by not even wanting to give my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX my computer had a malware attack in which a token grabber was obtained, it compromised many of my accounts but this one was a paypal login. On the XXXX of XXXX  there was an unauthorized account takeover resulting in financial loss of XXXX using my PayPal account with my checking account logged in the hacker used the pay later feature and used my account to purchase travel tickets from XXXX, and XXXX. I tried to contact the seller but the number is from XXXX XXXX and won't connect. I tried to contact paypal to dispute it, it was denied, I appealed the decision, it was denied, I talked to a supervisor further explaining and he denied it again. I am trying to prevent further money being stolen through the pay later feature, I have also since contacted my bank account bank and disputed the claim. I am in the process of file a police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One issued a Form 1099-C reporting cancellation of my full credit card balance under event code XXXX However, the account is open, active, and I am currently making payments. Collection has not been discontinued and the debt has not been legally canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I moved from my apartment XXXX XXXX XXXX XX/XX/year> and purchased my home. I transferred my XXXX  internet services to my home and upgraded my services returning the old modem for the new one. They claimed they never received the old XXXX but i never received any calls or letters stating this and didnt know since i did return the equipment in order to receive my new equipment. I did not know about this until it appeared on my credit and when XXXX called XXXX  about it they said it was already at collections and there was nothing they could do at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In XX/XX/XXXX, I sent LVNV Funding LLC a written cease and desist notice directing that all collection activity stop. Despite receipt of that notice, LVNV Funding has continued to engage in collection activity by furnishing and maintaining this account on my credit reports.

Credit reporting by a third-party debt collector constitutes collection activity. Continuing to report this account after a valid cease and desist violates the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692c ( c ), which requires collectors to cease collection activity upon written request, and 1692e, which prohibits false or misleading representations regarding the legal status of a debt.

In addition, LVNV Funding is furnishing information that is inaccurate and misleading in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ). I submitted a written dispute to LVNV Funding, which was delivered by XXXX with confirmed delivery on XX/XX/XXXX. Despite notice, LVNV Funding has continued reporting and has not provided documentation justifying the continued reporting.

I requested written confirmation that all collection and credit reporting activity would cease and documentation supporting any continued reporting. LVNV Funding did not provide this information and instead continued reporting the account.

This conduct has caused ongoing credit damage and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RCis falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RCis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-01-26 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Got a notification that a hard inquiry was done on my credit on XX/XX/year>. Says I applied for a XXXXXXXX XXXX XXXX XXXX card through synchrony bank. Never applied for one.

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 non-monetary relief