vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: CO

Complaint narrative:
In XXXX of XXXX, I used Affirm to finance a business coaching program from XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) in the amount of {$8400.00}. The program explicitly guaranteed 10 client intakes within 6 months, or continued service until that goal was achieved. I enrolled and fully participated in the program for over 6 months. I attended coaching calls, followed the program requirements, and actively engaged with all provided materials and systems. Despite my full participation, I received zero client intakes. On or about XX/XX/year>, I received communication from the company indicating that key components of the program ( including marketing efforts such as XXXX XXXX ) were being paused due to lack of results. Shortly thereafter, the company ceased operations entirely, making it impossible for them to fulfill their contractual obligation to continue working with me until the guaranteed outcome was achieved. Because the contracted service was not delivered, I filed a dispute with Affirm, stating that this was a failure to deliver services as agreed. During this process, the merchant contacted me offering a {$1000.00} goodwill payment in exchange for withdrawing my dispute, which I declined. Affirm denied my dispute, stating that the merchant provided documentation showing that services were rendered. However, Affirm did not take into account that the core service was outcome-based and was never fulfilled, and that the company ceased operations before completing the agreed-upon services. I also requested that Affirm provide the documentation submitted by the merchant and a detailed explanation of how they determined that the services were fulfilled. Affirm did not provide this information. As a result, I remain responsible for a loan tied to services that were not delivered as contracted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Acquisitions Group
State: VA

Complaint narrative:
I called Foster and Monroe at XXXX with the message " my call can not be completed at this time. The debt on my credit report shows a debt for 1 month, no payment history, the actual company " XXXX XXXX XXXX '' has no contact phone number on the internet. It is also listed as a partial account. I do not have any debts tied to XXXX XXXX XXXX. XXXX XXXX XXXX recently went through a lawsuit for a number of violations and have to pay back millions of dollars. This is a scam.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I disputed the accuracy of late payments reported on my student loan account with Nelnet ( Account : XXXX ). Nelnet responded stating that the information is accurate, but did not provide any documentation, payment records, or explanation showing how the late payments were verified. I am disputing the accuracy of the late payment history. Under the Fair Credit Reporting Act, I have the right to a reasonable investigation and to be provided with the method of verification upon request. Nelnet has not provided sufficient evidence that a proper investigation was conducted. Additionally, my credit file contains a fraud/identity alert, which requires heightened verification procedures when reporting and validating account information. Despite this, Nelnet has not demonstrated that any additional verification steps were taken. Because of this, I believe the late payments are being reported without proper verification. I am requesting that Nelnet provide documentation supporting each reported late payment, including payment history, dates, and reporting status codes, or remove any information that can not be fully verified. This inaccurate reporting is negatively impacting my credit and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I filed to transfer money ( {$2500.00} ) from XXXX XXXX ( the XXXX ) to Capital One. I then wrote a check on that money. It was returned several days later and when I called Capital One they said they do not recognize deposits from on-line banks such as XXXX. They said on XX/XX/XXXX or XXXX that it would it would be reversed. I saw that the money is still being held by Capital One and that it would not be released until XX/XX/XXXX. I asked them repeatedly -why- the delay and they did not provide me with an answer. I need this money and they are holding it. It was actually the second time I tried to transfer the money. It was returned the first time in just two days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint against Wells Fargo regarding their failure to provide a transparent reason for the denial of a checking account application ( Reference # XXXX ) submitted on XX/XX/year>. Immediately following the online denial, I attempted to obtain the legally required " Adverse Action '' reasoning through XXXX separate channels, all of which failed to provide a resolution : 1. Social Media : Reached out to Wells Fargo via XXXX ( XXXX ); was told they could not assist with application details due to privacy. 2. Phone Support : Contacted Wells Fargo customer service. The representative was unable to access the application 's status or provide a reason for the denial. The representative suggested a follow-up email might be sent ( which never was ) but could not confirm if or when a legal disclosure would be provided. 3. Digital Disclosure : No specific reason was provided on the application 's final decision page, nor was a detailed " Adverse Action '' email sent following the initial rejection notice. Under the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ), I am entitled to a clear statement of the reasons for denial if the decision was based on a consumer report ( such as XXXX or XXXX ). Wells Fargos failure to provide this information ( or even confirm the method by which I will receive it ) obstructs my right to review my banking history for potential errors.

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 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My account was enrolled in autopay, and I did not authorize any cancellation of that autopay. Citi has stated the cancellation occurred on my end, but I did not make this change. As a result, payments that should have been made automatically were missed, and late payments were reported to the credit bureaus. I have since brought the account current. I requested that Citi provide documentation showing that I authorized the autopay cancellation, but this has not been provided. This appears to be a servicing error that resulted in inaccurate delinquency reporting.

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 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My mortgage servicer, Freedom Mortgage, has repeatedly misapplied my monthly payments over several months, despite multiple prior corrections and written communications. My contractual monthly mortgage payment is {$2800.00}. For several months, I have intentionally made a recurring {$6000.00} monthly payment, with the clear instruction and expectation that : {$2800.00} be applied to the scheduled monthly payment, and The remaining {$3100.00} be applied to principal only. Freedom Mortgage has repeatedly failed to apply my payments correctly. Most recently, both amounts ( {$2800.00} and {$3100.00} ) were applied entirely to principal, which caused my account to incorrectly reflect that no monthly payment was made, even though the full {$6000.00} payment was withdrawn from my account. This is not an isolated incident. Over multiple months, Freedom Mortgage has alternately : Applied the full {$6000.00} toward multiple future payments without authorization, or Applied the full amount entirely to principal, creating a false appearance of nonpayment. I have raised this issue many times through Freedom Mortgages message center and customer service, and while it has occasionally been corrected for individual months, no permanent solution has been implemented, requiring me to contact them repeatedly. This ongoing misapplication of payments is a servicing error, places my account at risk of inaccurate payment history, and should not require monthly intervention to correct.

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 2026-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I call in today to inform them that the payments was too high and was 80 % DTI which I can't afford. And the property tax is double the amount I should be paying. The first lady said its not their problem. So I ask to speak to the supervisor and recognized the problem but there was nothing he could do. So I ask him about options and he decline to offer any and said that it and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
I receive three calls per day. One listed as source Rec mgmt, the rest are scam likely. After calling the numbers back, I found the scam likely ones belong to a debt collector called XXXX. I did the research to find source rec mgmt is owned by XXXX, that brings the total amount of calls by this debt collector to 12 calls since Wednesday the XXXX, today is Tuesday the XXXX. You can see the pattern, one call by source Rec mgmt, two by scam likely which leads to XXXX, the owner of source rec mgmt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/XXXX I received a phone call from Bank of America XXXX XXXX, asking if I'd made two charges, which I hadn't. She removed the charges, cancelled my card and said I could have no access to my account for 24 hours. She asked for my email so she could be sure we could be in contact. On XX/XX/XXXX I discovered a charge of {$23000.00} ( balance transfer ) and spoke to B Of A 's XXXXXXXX XXXX who said he would file a police report and open a claim. He also confirmed they had no employee by the name of XXXX. From that date until XX/XX/XXXX ( see log ) I spoke with 7 B of A reps and received 4 denial of claim letters, some within 4 days of speaking with rep and there was no way an investigation/decision could have been done, mailed and received by me in that time. On XX/XX/XXXX I spoke with XXXX who confirmed the balance transfer went to XXXX XXXX. I DO NOT HAVE AN ACCOUNT AT THAT BANK. She could give me no other information about them. I had to research them on the internet to get their information and could only reach them via email. On XX/XX/XXXX I received acknowledgement they are looking into it. On XX/XX/XXXX I filed a police report, an FTC # XXXX, notified credit agencies., and notified both banks of this. Bank of America has been irresponsible in this matter. I have never recived {$23000.00} but am now being charged interest on this complete fraud.

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 2026-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company : XXXX XXXX XXXX I am filing this complaint regarding XXXXXXXX XXXX handling of a {$1700.00} billing dispute I submitted against XXXX XXXX. THE UNDERLYING CHARGE : On XX/XX/year>, I initiated what I understood to be a free trial of XXXX features relevant to job seekers. XXXX is a platform used predominantly by job seekers, and the trial offer was presented alongside descriptions of job matching, resume matching, and career-connection benefits. As a property claims professional with no recruiting responsibilities, it was not apparent that the product being trialed was XXXX XXXX an enterprise-tier corporate talent acquisition tool rather than a job-seeker enhancement feature. XXXX converted that trial to a paid {$1700.00} annual subscription without presenting clear, conspicuous disclosure of the conversion terms and without obtaining my express consent to the paid plan. Upon discovering the charge on my XX/XX/year> statement, I immediately contacted XXXX to cancel and dispute. XXXX refused a refund. The service was neither accessed nor used from that date forward. XXXXXXXX XXXX CONDUCT : I filed a billing dispute with XXXX, which was denied. To my knowledge, XXXX rendered that denial without an adequate investigation, including requesting any supporting documentation from me including documentation of XXXXXXXX XXXX consent and disclosure process, my cancelation request records, or evidence of XXXX service use after my cancellation attempt. Under the Fair Credit Billing Act and Regulation Z, XXXX is required to conduct a reasonable investigation before resolving a billing error. For a {$1700.00} charge on a 14-year account with no prior dispute history, a reasonable investigation requires more than a summary review. I am also concerned that the dispute may have been filed under an incorrect reason code. The applicable codes for my facts are XXXX XXXXXXXX XXXX ( Recurring Payments cancelled subscription ) and XXXX XXXX ( Non-Receipt of Services ), both in the Services category. If a fraud code was applied, that misclassification would explain the denial and constitutes a procedurally deficient investigation. ADDITIONAL CONTEXT : I was separated from employment on XX/XX/year> and am currently without income. This charge represents a material and ongoing financial harm. I am requesting the CFPB direct XXXX to : ( 1 ) identify the reason code applied to the original dispute ; ( 2 ) reopen and properly investigate under Code AP or RG ; ( 3 ) request from XXXX evidence of my express consent to the paid conversion ; and ( 4 ) allow me to submit supporting documentation prior to final determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I cancelled an XXXX but did not receive the refund. On the XXXX app, it states I will be refunded via PayPal. I never received the refund and was charged and sent to collections from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I attempted to make an online payment for {$2900.00} using my Citibank debit account. The merchant did not receive the payment because the transaction generated an error stating that the amount exceeded the maximum allowed per transaction. The merchant later confirmed in writing that the transaction was canceled on their side and they never received the funds. Despite this, Citibank continues to hold the funds as a pending transaction and has not released the money back to my available balance. I have contacted Citibank customer service more than 10 times, opened case XXXX, and have been waiting for over 10 days ( more than 7 business days ) without any resolution. Citibank has failed to provide clear answers, has continued holding funds for a transaction that was never completed, and has caused significant financial hardship. This issue is extremely urgent because I need these funds immediately to comply with an active payment agreement. If these funds are not released immediately, I may incur late fees, financial penalties, and possible legal consequences due to missed obligations. I have documentation from the merchant confirming that the transaction was canceled and that they never received payment. I am requesting immediate release of the pending funds and a formal review of Citibanks handling of this matter. Account Holder : XXXX XXXX XXXX XXXX Phone : XXXX Bank Account : Ending in XXXX Transaction Amount : {$2900.00} Merchant : XXXX XXXX XXXX Debit Card Terminal : 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 explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ballybunion Enterprises, Inc
State: VA

Complaint narrative:
I called XXXXXXXX XXXX XXXXXXXX at XXXX with the message " my call can not be completed at this time. The debt on my credit report shows a debt for 1 month, no payment history, the actual company " XXXX XXXX XXXX '' has no contact phone number on the internet. It is also listed as a partial account. I do not have any debts tied to XXXX XXXX XXXXXXXX XXXX XXXX XXXX recently went through a lawsuit for a number of violations and have to pay back millions of dollars. This is a scam.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The entire year XXXX and XXXX I submitted claims to dispute debt and validation. I kept getting harassment calls and letters.

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 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I am submitting a complaint regarding a lenders refusal to reasonably resolve a XXXX issue that is preventing clear title to a vehicle, despite multiple good-faith efforts on my part. The vehicle loan has had no payments made since XX/XX/XXXX. In XX/XX/XXXX, I began attempting to resolve the recorded XXXX through direct communication with the company. Actions I took included : XX/XX/XXXX : I contacted the company by email and telephone requesting information regarding XXXX release or lien resolution. XX/XX/XXXX : I sent certified written correspondence requesting XXXX release or XXXX satisfaction. XX/XX/XXXX : Certified mail was delivered. I made additional phone contact seeking escalation and a practical resolution. During XXXX call, I was told state laws regarding limitations do not apply to the company and the XXXX would not be released. Because of the lienholders refusal, I pursued an administrative remedy through the XXXX Department XXXX XXXX, including obtaining a surety bond in the amount of {$7900.00}, submitting a bonded title application, paying filing fees, and providing extensive ownership documentation. The XXXX later advised that a bonded title was not available because title is already in my name and that the only impediment to issuance of replacement title documentation is release of the XXXX by the lienholder. After receiving that guidance, I again contacted the company and requested either : ( XXXX ) XXXX release ; or ( XXXX ) discussion of a negotiated discounted payoff solely to resolve the XXXX. During a subsequent call, I was told I do not qualify for any lump-sum settlement discussion while I remain in possession of the vehicle, and was instead encouraged either to resume monthly payments or voluntarily surrender the vehicle so it could be sold at auction, after which a discount might be considered on any deficiency balance. I believe this response is unreasonable and potentially unfair because : * the company refuses to release the XXXX; * refuses to consider a practical settlement resolution tied to XXXX release ; * continues to impede title resolution ; * and appears to be using the unresolved XXXX as leverage to pressure renewed payments or surrender of the vehicle. This unresolved XXXX is interfering with title rights. I am requesting review of whether the company is engaging in unfair or unreasonable practices by refusing to provide a meaningful path to resolve the XXXX, and I request assistance encouraging the company to provide either a XXXX release process or a reasonable XXXX settlement option.

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