vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: MS

Complaint narrative:
I received a letter that my loan would be forgiven. Loan Name and address. 
U.S Department of Education XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MT

Complaint narrative:
Company Name : XXXX XXXX Issue : Transparent Pricing / Unfair Billing Practices/ Predatory Rate Increases To Whom It May Concern, I am filing this formal complaint against XXXX XXXX regarding a pattern of predatory and non-transparent billing practices. Over the past XXXX years, I have observed a series of unexplained rate increases and " junk fees '' applied to my merchant account without clear, prior notice or any commensurate increase in service value. 

The core of my grievance involves : Lack of Proper Notification : XXXX XXXX consistently implements rate hikes without sending direct, conspicuous notifications. Hiding fee changes in the fine print of lengthy monthly statements does not constitute fair or transparent business practice. 

Unjustified Escalation : My effective processing rate has climbed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX These increases appear arbitrary and do not reflect industry-standard interchange adjustments. 

Aggressive Retention Tactics : When attempting to clarify these charges, I have been met with no explanation and a sales team trying to rope me into a longer term contract with a promise of lower rates that are not protected in any way from future increases. 

I believe these practices are designed to exploit small business owners who lack the resources to monitor complex monthly statements for incremental " price creep. '' I request that the CFPB investigate these billing patterns to protect other merchants from similar financial harm. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
1 ) SYSTEM ERROR = INVALID DATE GLITCH Your file shows : Invalid date, Invalid date, Invalid date That is a XXXX parsing failure between Experian and the furnisher. 
A tradeline that can not render valid date fields is not capable of maximum accuracy under : FCRA 611 ( a ) ( 1 ) ( A ) FCRA 623 ( a ) ( 1 ) ( A ) XXXX CRRG Appendix A date formatting requirements This is grounds for deletion because the CRA can not even display compliant history. 



2 ) CONTRADICTORY REPORTING STILL EXISTS You now have : Terms : 1 Month Monthly payment : blank Yet showing 24 months of C = Collection A collection account CAN NOT have 1 month terms. 
XXXX requires : Portfolio Type = Collection ( Code D ) No installment terms No scheduled payment field This is internally inconsistent data = inaccurate by definition. 



3 ) DOFD / Removal Date Conflict They claim : On record until XX/XX/XXXX Collection history back to XX/XX/XXXX Charge-off in XX/XX/XXXX That math doesnt match 7 years from DOFD. 

If charge-off = XX/XX/XXXX DOFD must be no later than XXXX Drop should be XXXX at latest ONLY if DOFD XX/XX/XXXX But they are not displaying DOFD at all. 

Missing mandatory field. 



4 ) Balance Updating Without Activity You show : Balance updated XX/XX/XXXX Recent payment : none XXXX rule : Balances may not be refreshed without consumer activity or adjustment reason. 

This is unlawful cosmetic updating to keep tradeline fresh.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: FL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
I recently took out a loan from my XXXX ( k ) housed with XXXX XXXX, and provided through my employer. The loan I took was for {$30000.00}, and was to be deposited to my account with Chime Bank. I spoke with Chime numerous times about this deposit incoming and was told time and time again that the deposit would post with no issues. This deposit/loan was to purchase a new vehicle. Chime decided to return my deposit and did not give any information as to why they rejected my deposit. I now have to wait even longer because of the incorrect information they gave to me prior to my deposit, and possibly now have lost the sale of my vehicle because they are inept.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: HI

Complaint narrative:
On XXXX I reserved a hotel in XXXX XXXX XXXX for XXXX As my dates came closer to my trip I tried to contact the Hotel and it looked closed and I couldn't contact anyone. I disputed the charge and Then the merchant contacted me saying all I needed to do was ask for a refund and they would have given me one. They said if I withdraw the dispute they could easily refund me but they couldn't because of the dispute in progress ( which I now know is a way to steal from customers ) I called citibank and they ASSURED me that I can close my dispute and re-open it if I don't get my refund ( I was worried about this FAKE HOTEL!! ) So I withdrew my dispute and NEVER received a refunds. I called BACK CITIBANK and the said NO PROBLEM we will reopen the dispute. DON'T WORRY. 
Now days later after talking to a dispute manager with no refund- He apologized for the misinformation that his two workers gave me! I replied if this is a common practice for shady merchants to rip off people .. shouldn't your employees know it? Anyway they said they can't refund me after closing the dispute- its the rule of Visa... I can't believe they can keep my money and blame it on Visa Rules after they told me to go ahead and withdraw the dispute. I know I sound like a crazy person but it's CITIBANK that told me to do it even though I had reservations about the company. Thanks 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 monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage servicer, Newrez LLC, misapplied {$2200.00} from our escrow account by paying the wrong insurance policy belonging to another unit owner in our building. 
We reported the issue in XX/XX/year> and were told it would be corrected. We called at least three times, yet no correction was made. Instead, our payment increased from {$830.00} to {$860.00}, then to {$920.00}, due to an artificial escrow shortage caused by their mistake. 

We have overpaid {$420.00} so far and continue to overpay monthly. The inflated billing also caused late fees and penalties that would not have occurred otherwise. 
A supervisor told us our escrow will not be corrected until they recover money from the insurance company, forcing us to finance their error. 

The Insurance Company Newrez disbursed to XXXX XXXX, who they advised was under a different name for the invoice.

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 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CHARLES SCHWAB CORPORATION, THE
State: CO

Complaint narrative:
I am submitting this complaint regarding Charles Schwab Banks handling and reporting of my checking account after it was closed. My account was closed and reported to XXXX under the classification of account abuse. I believe this classification is inaccurate and does not reflect the circumstances surrounding the account activity or my efforts to resolve the issues. 

Prior to and following the account closure, there were unresolved issues and attempts on my part to understand and address the situation. Despite this, the account was reported in a manner that suggests intentional misuse rather than a disputed or unresolved account issue. XXXX XXXX investigation did not correct or reclassify the reporting, and the negative entry remains on my XXXX report. 

As a result of this reporting, I am now unable to open any checking account, including XXXX-chance accounts and credit union accounts, which has caused significant ongoing harm and loss of access to basic banking services. I am not disputing that the account was closed, but I am disputing the accuracy and severity of the account abuse classification and the failure to reasonably investigate or correct the reporting. 

I am requesting that Charles Schwab Bank conduct a proper review of this matter and correct or reclassify the information being furnished to XXXX so that it accurately reflects the circumstances and does not continue to unfairly restrict my access to basic banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
The Jefferson capital collection represent XXXX has inaccurate amount on my credit report. On equifax that stated I owe XXXX and on XXXX  that stated I owe XXXX. This information is not correct. I have a letter they sent me stated the account was lpaid in full. Now they are threatening to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: WA

Complaint narrative:
I am a XXXX XXXX service member and a long-time Amex XXXX XXXX . I am filing this complaint because American Express failed to honor a {$300.00} card benefit due to a technical glitch on their booking portal. 

I booked a 3-night stay at XXXX XXXX XXXX XXXX specifically to use my " Fine Hotels + Resorts '' {$300.00} credit. I have successfully used this benefit many times before and followed the exact same " Prepaid '' steps. However, despite entering my card info online, the system processed it as " Pay at Property. '' I only realized this after checking out, as I initially thought the hotels card swipe was for an incidental hold. Amex customer service admitted the booking was not prepaid but refused to acknowledge the interface error. As I am heading out to sea ( XXXX XXXX XXXX/assignment ) tomorrow, I have no further travel plans this year to utilize this credit. 

Throughout my interaction, the customer service representatives offered no flexibility or actual assistance, repeatedly responding with a flat 'No ' regardless of the evidence I provided. As an XXXX service member managing XXXX, this dismissive and rigid treatment has caused me significant unnecessary stress and XXXX. Customer service should be there to assist premium cardholders in resolving system errors, not to exacerbate their mental burden through rude and unhelpful refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I went to Wells Fargo ATM around XXXX. My first transaction was a deposit then I withdrew {$300.00}. I got my bank card and receipt from the ATM machine and drove off. At the time I was at the ATM machine there was a customer behind me. I did not realize I forgot to get my money from the ATM until I parked in front of the bank to check. Once I realized I left my money in the ATM machine I attempted to go into the bank but it was closed then I called Wells Fargo. The representative I spoke with filed a claim and stated they would investigate and contact me from 7 to 10 days. 
I am questioning if the ATM beep/reminder was functioning to prompt me to get my money from the dispenser. I believe if I heard the reminder I would have not made error. In addition, I do not drive with music on in my vehicle. I have filed a police report, the report number is XXXX. 
I called the bank on XX/XX/XXXX spoke with representative I was given claim # XXXX and told it's not the bank 's fault. I made another call on XX/XX/XXXX spoke with another representative. I was informed the case was closed there was no excess cash found. I was advised to file a police report for investigation to view footage. On XXXX I went to the bank where the incident happened. I spoke with branch manager and he informed me they could not view the footage and explained with the police report they would investigate and possibly get the ATM footage.

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 2026-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERICAN FINANCING CORPORATION
State: MI

Complaint narrative:
I refinanced my mortgage with American Financing after multiple conversations with my loan XXXX, XXXX XXXX. During these conversations, I was clearly told that the refinance would accomplish XXXX specific outcomes : ( XXXX ) pay off my existing credit card debt so that I would be debt free, and ( XXXX ) lower my interest rate. These outcomes were repeatedly presented as the justification for refinancing so soon after a prior loan. 

I was also specifically told that if these outcomes were not fully achieved immediately, American Financing would address and correct them within approximately XXXX months. This assurance was part of the reason I agreed to proceed with the refinance. 

Based on these representations, I moved forward. I would not have agreed to this refinance without these assurances. 

After the loan closed, the outcome did not align with what was represented during the application process. I contacted American Financing multiple times by email to raise these concerns and requested escalation to leadership. I did not receive any response. 

Instead, I received a notice stating that the servicing of my loan is being transferred to another company. This raises concern about whether the previously stated six-month assurances will be honored, as American Financing has not acknowledged or addressed my concerns prior to transferring servicing. 

I am not disputing that the loan documents were signed or that the loan legally closed. I am disputing the representations made during the sales and origination process and the lack of response when I attempted to resolve these issues directly. 

I am requesting that American Financing formally review this matter, clarify whether the previously stated assurances will be honored despite the servicing transfer, and provide a written response addressing the discrepancies between what was represented and what occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: DISCOVER BANK
State: NV

Complaint narrative:
I am being charged XXXX for every XXXX XXXX, which I already disputed with Discover for not receiving service and merchandise, and the temporary credit was made permanent. 

Please take these duplicate XXXX XXXXharges off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I received a letter from Ally Bank dated XX/XX/XXXX denying me for a loan to purchase a XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I never applied for this loan. I found out this evening when I got a letter from Ally Bank application number XXXX My wife went to this car lot on XX/XX/XXXX and they " accidently ran my credit '' from an old application in XXXX. However my wife purchased that vehicle ( XXXX XXXX XXXX ) so I did not dispute this. This is XXXX  in a month that this company ran my credit without my consent or approval. I definitely did not apply for a loan XX/XX/XXXX for an XXXX XXXX. I have not been to this car lot since Monday XX/XX/XXXX when I signed the paper work for the vehicle I did purchase from them. They let my wife drive off the lot with a vehicle that we purchased, using my information which she did not provide, they pulled from a XXXX year old application and just told me to come in and sign papers on Monday...

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 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I am filing this complaint against PayPal , Inc. regarding an unauthorized overdraft created by PayPal on my personal debit account. 

On XX/XX/year>, PayPal authorized a transaction in the amount of {$1800.00} USD, even though my account did not have sufficient funds and I never authorized overdraft coverage. 

PayPal should have declined the transaction due to insufficient funds. Instead, PayPal approved the purchase and caused my account to go into a negative balance without my consent. 

I contacted PayPal immediately. PayPal representatives acknowledged that the transaction should have been declined due to insufficient funds ; however, instead of correcting the error, PayPal maintained the negative balance.

The merchant has already provided a return label, and the merchandise was returned. Despite this, PayPal continues to reflect a negative balance and has repeatedly attempted to collect the amount from linked payment methods, even after I notified them of the issue. 

Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR Part 1005 ), PayPal is required to investigate and correct electronic fund transfer errors after being notified by the consumer. Additionally, per CFPB guidance, when a consumer has not opted into overdraft coverage, debit transactions with insufficient funds should be declined, not approved. 

I did not authorize PayPal to extend credit, advance funds, or create an overdraft. Therefore, this negative balance is the result of an unauthorized transaction handling error.

PayPals actions violate my rights under federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
On or about XX/XX/XXXX I proceeded to purchase a XXXX XXXXXXXX XXXX XXXX XXXXXXXX from XXXX XXXX XXXX in XXXX PA . The vehicle was indeed sold " as is '' however it can not be legally defined any longer as a car/auto/vehicle as the engine has failed just as the XXXX from XXXX said it would and the only remedy is an engine replacement which the dealer, the warranty company, and even my comprehensive policy with XXXX XXXX refused to help with. I want out of the loan, I want this paperweight out of my driveway, as well as to be reimbursed back the {$2000.00} XXXX forked out of pocket for a worthless warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: Chime Financial Inc
State: NC

Complaint narrative:
Tried to dispute and I have yet to receive any response

Company response to consumer: Closed with explanation