vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/2025, I was approached by an outdoor vendor operating at XXXX XXXX XXXX in XXXX XXXX XXXX, Utah, who represented themselves as affiliated with a company called XXXX XXXX XXXX XXXX. The vendor claimed to be selling music CDs and stated that a portion of the proceeds would benefit youth in the community. I agreed to make XXXX {$20.00} donations ( totaling {$40.00} ) using my Wells Fargo debit card. 
The vendor used a handheld chip reader and explicitly stated they could not accept cash when I attempted to pay that way. After completing the transaction, I requested a receipt and was told that they were unable to provide one. This immediately raised concern.

I stepped away to verify my account by calling Wells Fargo using the phone number on the back of my debit card. While on the phone with Wells Fargo representatives, I learned that instead of a {$20.00} charge, a single transaction of {$1800.00} had been processed, leaving my account with {$320.00} and some change. I then learned that a second unauthorized charge of {$1000.00} had also been attempted.

I immediately returned to the location of the vendor, but they had fled the scene.

After I had reported the fraud, the {$1800.00} transaction was still pending for approximately a week or longer. Despite my repeated communications with Wells Fargo during this periodexplicitly informing them that the transaction was fraudulentthe bank made no attempt to stop or reverse the pending charge before it posted. 
Wells Fargo initially provisionally credited my account during the investigation. However, they later removed the funds, asserting that there was evidence supporting the charge, without providing meaningful justification. The merchant, XXXX XXXX XXXX XXXX, has no publicly available contact information, and Wells Fargo themselves acknowledged they had no contact information for this merchant. 
Wells Fargo has now stated that unless I can produce a receipt showing that I only authorized a {$20.00} transaction, they will not reverse the charge. This requirement is unreasonable and impossible to satisfy. I had no ability to compel the vendor to provide a receipt, and the lack of a receipt is itself a key indicator of fraud. I reported the unauthorized transaction immediately, while it was still pending, and complied with every request made of me, including filing a police report. Wells Fargo initially indicated the police report would be sufficient, only to later reverse that position.

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 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, TX XXXX XX/XX/2025 Online Information Services XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX, NC XXXX ( XXXX ) XXXX, ( XXXX ) XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF FDCPA & FCRA ACCOUNT # NOT LISTED, {$1500.00} To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and 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 or 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 the State of Texas ; 5. Surety bond information.

A billing summary is not proof a debt ownership or legal authority to collect. Continued reporting of this unverified debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes furnishing of inaccurate and incomplete information. 



Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : - 15 U.S.C. 1692e - 15 U.S.C. 1692f - 15 U.S.C. 1692g If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency un 15 U.S.C. 1681n and 1692k., 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 formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 



Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
A XXXX XXXX  was made accidentally by my XXXX on my phone. I canceled within hours and never used the stay. 
My bank initially refunded me but reversed it after the hotel cited a non-refundable policy. This is a significant financial hardship and I am requesting a reconsideration due to unauthorized use by a minor. The amount is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
My federal student loan ( XXXX * * * * ) is being reported with conflicting statuses, including collection, charge-off, and late payment designations. 

The reporting is inaccurate and inconsistent with federal student loan servicing rules. 

Additionally, reporting continued during periods where collection activity should not apply. 

I am requesting correction or removal of inaccurate reporting and confirmation of proper loan status.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
Hi, Im trying to re-enroll at XXXXXXXX XXXX XXXXXXXX for XXXX XXXX and discovered holds on my account that are blocking my registration and financial aid. I never received any email or notification explaining these holds or the loan that created them. 
I only now find out about this through my enrollment coach. It let me down because I was looking forward to going back to school. Ive attached a photo showing what my enrollment coach showed me. 

Accounts Receivable Hold Balance Due On Account, From XX/XX/XXXX to XXXX/XXXX/XXXX, Originator : Generated Automatically. 
XXXX XXXX XXXX XXXX XXXX, From XX/XX/XXXX to XXXX/XXXX/XXXX, Amount : {$1600.00}, Originator : Student Loans Office. 

The collection accounts are : XXXX. XXXX Install Acct XXXX XFR Principal {$1400.00}, Collection Cost {$460.00}, Total Due {$1900.00}, Next Due Date XX/XX/XXXX XXXX. XXXX Install Acct XXXX XFR Principal {$70.00}, Collection Cost {$22.00}, Total Due {$92.00}, Next Due Date XX/XX/XXXX XXXX. XXXX Install Acct XXXX XFR Principal {$70.00}, Collection Cost {$22.00}, Total Due {$92.00}, Next Due Date XX/XX/XXXX All three accounts are listed with XXXX XXXX XXXX % I do not recall signing for this loan. These holds are preventing me from re-enrolling and accessing financial aid. I am requesting a full review, verification of the debt, and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I financed a {$1300.00} jacket through Affirm. The item arrived damaged upon delivery. I contacted Affirm immediately and requested a dispute. Affirm refused to investigate or provide relief and instructed me to continue payments for damaged merchandise. I did not receive a usable product and the merchant has not resolved the issue. I am requesting a full refund or cancellation of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I sent letters, as well as made phone calls advising that this debt had been paid with original creditors. 
After months of going back and forth they found the payment. 
But have reported I paid them and is reflecting as I paid an account in collections. I have never made a payment to Bull XXXX nor have I ever done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Branch Messenger, Inc.
State: CO

Complaint narrative:
unable to access my funds due to Branchs failure to replace a lost debit card and the lack of access to human customer support.

Several months ago, I lost my Branch debit card and requested a replacement. Branchs system indicates that a replacement card was mailed, but I never received it. Since that time, all attempts to obtain another replacement have failed because the automated system claims a card is already active or waiting in my mailbox.

I have made dozens of attempts to reach a human representative by phone and chat. Phone support is fully automated and does not connect to a personXXXX XXXX XXXX  is also automated and unable to override the system error. On one occasion, the phone system instructed me to press XXXX to receive a callback, but no callback ever occurred. 
Because I could not obtain a working debit card or human assistance, I was forced to transfer my funds to another service ( XXXX XXXX ), incurring multiple transfer fees solely to access my own money. 
Branchs failure to provide a replacement card, combined with the inability to reach human support, has effectively restricted my access to my funds and caused financial harm through unnecessary fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NV

Complaint narrative:
Selene Finance representatives use the Uniform Borrowers Assistance documents for absolutely everything, regardless of issue. All that does is increase my monthly payments each and every single time, though I continue to say I can not make those payments. Doesn't matter which representative I get. I had originally called to apply for forbearance, but of course, I had to fill out the same documents. I'm not sure if the representatives themselves know what they're talking about half the time. I agreed to fill out the documents in hopes of forbearance being applied, but no. I'm finding out I was approved for a loan modification I did NOT want, and now the past payments since said approval have been applied incorrectly. I do not want any payments towards escrow, and Selene continues to do the same mistake over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This is a transaction that was not authorized by me. This is a result of contract law violation. This is a violation of my consumer rights, my privacy rights and a violation of the Gramm Leach Bliley Act. I NEVER gave permission for access to my non public personal information. LVNV Funding never provided permissible purposes or written consent, chain of assignment, original contract, full accounting ledger or proof of ownership. They are in full violation of the law. This is false and misleading and deceptive business practices. I demand deletion!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
I am submitting a complaint regarding PennyMacs mishandling of my mortgage loan, misinformation provided by multiple representatives, improper suspense-fund handling, and a wrongful denial of my loan modification that has now caused credit harm and financial hardship.

Timeline of Events : I applied for a loan modification and was repeatedly told by PennyMac representatives that I did not need to make my XXXX payment while the modification was under review. Based on their instructions, I did not make that payment. 

Later, another representative used scare tactics and threatening language, pressuring me into making XXXX payments out of fear. I reported this call previously, and PennyMac stated they would review the call recording, but I never received an outcome.

After I made the payments, PennyMac did not apply the funds to my loan, but instead placed the money into suspense, where it remained for an extended period. The funds were not applied until around XX/XX/XXXX. 

On XX/XX/XXXX, PennyMac denied my loan modification, stating that the loan had been reinstated but this status only occurred because they finally applied the suspense funds on that same date. The reinstatement was created by their own delayed processing, not by any change in my hardship or intent. 

I was never told that making payments would automatically disqualify me from the modification, nor that suspense handling could trigger a denial. Had I been properly informed, I would not have proceeded in that manner. 

I was also told by PennyMac that I did not need to make the XXXX payment during review, and as a result, I did not budget for it. Because of their actions and inconsistent guidance, my loan is now showing past due for XXXX and XXXX, and I am now at risk of negative credit reporting. 

To make matters worse, when I attempted to reapply for assistance, PennyMac told me that they can not offer any help unless I am XXXX payments past due, which is contradictory to the purpose of hardship programs and effectively traps me in delinquency created by their servicing errors. 

Why This Is Harmful/ Improper : I relied on verbal instructions from PennyMac representatives in good faith Their misinformation and delay directly caused the delinquency situation Funds were mishandled in suspense rather than applied promptly The modification was denied due to their actions, not mine I am now facing credit damage and financial hardship as a result

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I have to dispute through transunion and the other 2 credit bureaus. This collection has cost my credit to go down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Climb Credit Inc.
State: CA

Complaint narrative:
Climb Credit financed my tuition payment of approximately {$11000.00} to XXXX for an online, self-paced coding bootcamp. I paid the loan in full. XXXX  closed before I could complete the program and before I could receive a certificate of completion, which was a material and essential part of the program and my reason for enrollment. 

I completed approximately 87 % of the program over XXXX years while working XXXX jobs. Due to the schools closure, completion and certification are now impossible. XXXX has not responded to written refund requests and has not initiated a refund through XXXX XXXX. 

Climb Credit has denied relief, stating that it can not process a refund unless the school initiates it and asserting that access to pre-recorded content constitutes fulfillment. I dispute this position. Access to archived content does not constitute full performance where certification is unavailable. ( I can watch endless amounts of FREE videos for learning on XXXX XXXX and the like, but without a certificate they are no different ). 

I am asserting my rights under the Federal Trade Commission XXXX XXXX ( XXXX C.F.R. XXXX ). Because the school failed to fully perform, I am asserting the same claims and defenses against Climb Credit that I could assert against XXXX. I am requesting reimbursement or equivalent relief for amounts paid due to school closure and failure of consideration. 

I am also attaching : XXXX  denial email ( the one from XXXX, there were many more previously ), My Holder Rule email to Climb, proof of loan payoff, and announcement showing XXXX is unresponsive and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I was initially charged {$43.00} on XX/XX/XXXX. This charge was is fraudulent. It was reported as fraudulent to Apple Card on XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. Apple Card keeps recharging me for fraudulent activity. I have provided them proof that I never made the purchase. I gave them an email I sent to XXXX ( the company responsible for the fraudulent activity ) and a screenshot of my Apple purchase, proving I never made this purchase. 

This needs to stop. 

Furthermore, the Apple Card has invented a {$88.00} charge after I paid my XXXX balance in full ( note : I paid the account balance NOT which was more than the statement balance ) XXXX XXXX, bring my account balance to {$0.00}. The Apple Card does not allow customers to pay the statement balance instead it forces customers to pay the balance in full ; which is more than the statement balance, and a deceptive business practice when customers are looking to avoid paying interest. 

I attempted to call and chat with Apple Card concerning these issues only to be transferred to over XXXX different people. This is when I filed a complaint. Apple Card is refusing to substantiate this amount. 

I respectfully request assistance in order to have both of these amounts refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: HOVG, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I entered into signed credit repair agreements with Bay Area Credit, including a signed payment plan agreement and signed terms and conditions ( see Attachment 1 and Attachment 2 ). I paid a total of {$1200.00} pursuant to those agreements. Payment was made in installments at the direction of company representatives via XXXX and other methods, with payment confirmations identifying the recipient as XXXX XXXX XXXXXXXX XXXX ( see Attachment XXXX and Attachment XXXX ). 

More than XXXX years later, there has been no meaningful improvement to my credit profile attributable to the services for which I paid. 

In XX/XX/XXXX, I requested documentation showing what dispute submissions were made under my name and confirmation of what actions were taken on my behalf. In response, the company stated in writing that dispute documentation is not generated, stored, or distributed at the office managers level, that she does not have custody of dispute records, and that she can not provide copies or item-level documentation of dispute submissions made under my authorization ( see Attachment XXXX ). The company further stated that any records, if available, are retained and accessed exclusively through another department or individual ; however, I was not referred to or connected with any such department, and the individual identified as responsible for dispute inquiries has been unresponsive to all attempts at communication since I began requesting documentation and a refund. 

Because the company has stated that it can not provide copies or documentation verifying what was submitted to the credit bureaus under my authorization, I have no way to confirm that the services I paid for were actually performed. I therefore requested a full refund of the {$1200.00} paid and stated that termination of authorization would occur upon receipt of those funds ( see Attachment XXXX ). 

The company refused to issue a full refund, asserted that services were rendered despite stating it can not provide documentation of those services, and unilaterally stated that my account was terminated ( see Attachment XXXX ). The company has retained my payment while disclaiming the ability to provide documentation confirming the work it claims was performed.

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 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I submitted a hardship request on multiple occasions through PNC within the last XXXX months because my car note is XXXX days past due. The most recent date I applied was on XX/XX/year> and again I was denied. When I called and spoke to an agent and wanted to know why I was denied again, was given a generic response saying " you're account is too past due '' and that was all the information given. The rep just kept repeating the same thing. My issue is if a hardship request is not available then why would PNC keep sending me an email to apply for XXXX. I fell behind on payments because I had a family emergency and had to use every dime I had. I have been making payments towards my car note and just need a month tops to get it up to date. I feel that PNC would rather repossess my car than help me rectify my problem.

Company response to consumer: Closed with explanation