vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am not financially capable of making payments. This loan is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: HI

Complaint narrative:
Hi I've been trying over the years to open an account and it's been very difficult cause they said I violated the terms and I keep asking them what terms did I violated they were saying file an appeal and didn't give me a clear understanding why I can't never open an account with cash app it's been about XXXX yrs now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
We made multiple attempts to apply for assistance ; however, SPS repeatedly stated that they had not received the required documentation, despite our having submitted it on several occasions. Subsequently, on XX/XX/XXXX, we applied for assistance with the support of XXXX XXXX XXXX, which submitted a complete application package on our behalf. On XX/XX/XXXX, we were notified that the application was under full review and that there was no scheduled sale date. However, on XX/XX/XXXX, we were informed that the application had been denied as of XX/XX/XXXX. 

The stated reason for the denial was that SPS could not reduce principal and interest within the guidelines set by the investor, and that no additional assistance options were available. A letter was sent to the SPS Ombudsman Department on XX/XX/2026. No written response was ever received. Our advocate at XXXX XXXX XXXX subsequently contacted the department by phone and was advised that there were no new notes or updates on the account. 

We have resided in the home for over 24 years. Our current loan maturity date is XXXX, and our current interest rate is 4.375 %. Based on these terms, we do not understand why the loan could not be extended, as doing so would result in continued payments to the lender. Due to a significant change in household income, we are now fully capable of resuming regular mortgage payments. At this point, it appears that the company is attempting to take the equity in the home and push us out, despite our ability and willingness to make payments. 

As a result of the denial, we were compelled to file for bankruptcy, which halted the scheduled sale of the home on XX/XX/XXXX. We did not enter into a repayment plan with the bankruptcy court and wish to resolve this matter directly with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: IA

Complaint narrative:
I am submitting a complaint regarding a disputed credit card charge for roofing services that were later determined to be defective. The charge, approximately {$4800.00}, was posted in XX/XX/2026 for roofing work that included replacement of a low-slope roof with an XXXX membrane and related work. 

At the time the charge posted, the defects were not reasonably discoverable. After weather exposure and normal use, defects became apparent. I then retained an independent roofing contractor to inspect the work. That contractor documented multiple deficiencies through photographs and written notes and confirmed that the work did not meet manufacturer requirements and applicable workmanship standards and required corrective repair. 

Corrective repairs were completed by the independent contractor, and I incurred additional costs to remediate the defective work. Documentation of the inspection findings, photographs, and repair invoice is available. 

I attempted to resolve this issue through the credit card dispute process. The dispute was declined based on a procedural timeframe limitation, rather than a determination that the services were properly performed. The denial did not address the merits of the defective workmanship or the newly obtained independent contractor documentation.

I am submitting this complaint to request review of the matter based on the substance of the defective services, the latent nature of the defects, and the independent contractor evidence showing the work required correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am filing a complaint regarding ongoing unauthorized debit card charges from XXXX XXXX XXXX XXXX that have been occurring on my Chase checking account since XXXX. 

I have never enrolled in XXXX XXXX, never authorized these charges, and my XXXX account confirms that no active XXXX XXXX subscription exists. Despite this, Chase allowed recurring charges to continue even after I disputed them. 

I contacted Chase by phone to report these charges as unauthorized recurring transactions and requested escalation to fraud. Chase failed to stop the charges, failed to provide a permanent merchant block, and refused to offer a meaningful resolution.

Under Regulation E, Chase is required to properly investigate unauthorized debit card transactions, reimburse unauthorized charges, and prevent further unauthorized withdrawals. Chase did not meet these obligations.

I have provided documentation showing that no XXXX XXXX membership exists and that the charges were not authorized. The continued approval of these charges represents a failure in Chases fraud prevention and dispute handling processes.

This situation has caused financial loss, repeated disputes, and significant time spent attempting to resolve an issue Chase is legally required to handle.

When I contacted Chase by phone, I was told that they could not assist because the charges were outside a 30-day limit. This response is inadequate and misleading. While Chase may impose internal dispute deadlines, Regulation E requires banks to address unauthorized recurring transactions and prevent future unauthorized withdrawals once notified.

Chase failed to stop the recurring charges after notification and failed to escalate the issue to fraud, effectively allowing continued unauthorized withdrawals from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
Havent receive any information about this vehicle after car crash now it shows up as repo I have constantly tried to get help with no success. I was told the account was closed but its still reporting on my report. Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One refused to remove a {$10.00} interest charge while my account was open. I closed the account solely due to this refusal. Immediately after closure, Capital One removed the charge, confirming it could have been resolved without closing my account. 

This resulted in an avoidable account closure due to inconsistent handling. I am requesting account reinstatement or an equivalent remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I am filing this complaint against PayPal for improper handling of a buyer protection dispute involving fraud and nondelivery of goods/services. 

On XX/XX/XXXX, I purchased a product and/or service from a seller using PayPal. The seller never delivered the product or service, and all attempts to resolve the issue directly with the seller were unsuccessful. 

I formally filed a dispute with PayPal on XX/XX/XXXX, well within PayPals stated buyer protection timeframes. 

On XX/XX/XXXX, PayPal decided the case in favor of the seller, without providing me with : Any email notification of the sellers response Any opportunity to review or rebut the sellers claims Any meaningful explanation of the evidence relied upon I only became aware of the adverse decision by checking my PayPal account manually. PayPal did not email me, notify me of the sellers submission, or allow me to respond before closing the case.

PayPals actions denied me due process, transparency, and a fair opportunity to defend my claim. This directly contradicts PayPals own Buyer Protection policies and creates an unfair dispute process that favors sellerseven in cases of clear nondelivery. 

I am now being told I have until XX/XX/XXXX to submit an appeal, despite never being notified of the original decision or the sellers response. This significantly limits my ability to prepare a proper appeal and places an unreasonable burden on the consumer.

Why This Is a Problem The seller failed to deliver the purchased product/service PayPal closed the case without notifying me I was not given an opportunity to respond to the sellers claims PayPals process lacks transparency and fairness The decision appears arbitrary and procedurally flawed This conduct undermines consumer trust and raises concerns about PayPals compliance with fair dispute resolution standards.

Resolution Requested I am requesting that PayPal : Reverse the decision and issue a full refund for the fraudulent transaction Review and correct its dispute notification procedures to ensure consumers are notified and allowed to respond before decisions are finalized Provide a written explanation of how this decision was made and what evidence was considered

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: TX

Complaint narrative:
I am disputing a debt being collected by TekCollect related to XXXX. 

I enrolled with XXXX on XX/XX/year>, and made monthly payments through automatic payment withdrawals as agreed. 

On XX/XX/year>, XXXX publicly announced its bankruptcy. As a result of the bankruptcy, services were canceled and no further treatment or services were provided. After services stopped, I discontinued payments because no further services were being rendered. 

TekCollect is now attempting to collect an amount greater than my original XXXX obligation, despite the cancellation of services and bankruptcy. This balance is inaccurate, unsupported by my original agreement, and improperly inflated. 

I am requesting written validation of the debt, including an itemized accounting of how the balance was calculated, proof that TekCollect has the legal authority to collect this debt, and documentation explaining why the amount exceeds the original XXXX balance. 

I am also requesting that collection efforts cease and that any inaccurate credit reporting related to this account be corrected or removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I tried open an account a XXXX  of months ago when I had over a XXXX in my account and the wells Fargo bank would not offer me the XXXX dollar credit for having over a XXXX dollars in my bank account Then I get a advertised email in the month of XXXX for to open an account with a balance of XXXX dollars or more in over weeks period of time I get XXXX credit when applied for the account with XXXX I was denied the application

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 2026-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Receiving letters from the Dept of Housing and Urban Development saying I have a balance after I paid off my mortgage years ago.

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 — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
In XXXX, my primary checking account was restricted and closed by my bank due to suspected fraud, and a replacement account was opened. This was a bank-initiated action taken for fraud prevention.

As confirmed in a written response from my bank to a CFPB complaint dated XX/XX/XXXX, automatic payments and scheduled transactions do not transfer when an account is closed, and any payments attempting to process from the closed account are rejected. I was not notified that my automatic mortgage payments were failing and reasonably believed my payments were being processed.

Carrington previously responded to a CFPB complaint in XX/XX/XXXX, before this bank documentation existed, and relied solely on payment posting dates to justify reporting two 30-day late payments. That response did not consider the cause of the payment failures or the bank-initiated account closure that directly resulted in the rejected payments.

Despite now having CFPB-confirmed documentation showing that the payment failures were caused by a bank-initiated fraud response not neglect, unwillingness, or inability to pay Carrington continues to report the late payments without reassessing accuracy in light of this new evidence.

Reporting these payments as consumer delinquencies is misleading and does not accurately reflect my payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
A rental debt is being reported with inaccurate personal and financial information. My name is misspelled on the account, and the amount reported is incorrect and does not match my records. 

Because the identifying information and balance are inaccurate, this raises concerns of mixed-file or erroneous reporting. I am disputing the accuracy of this account under the Fair Credit Reporting Act ( FCRA ) and requesting that the furnisher correct or remove the account if it can not be properly verified. 

I am requesting a full investigation and written confirmation of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint regarding Chase Banks mishandling of a disputed debit card transaction. 

On XX/XX/year>, I used my Chase debit card to purchase a XXXX XXXX for {$220.00} for services that were never provided. The merchant refused to honor the voucher and the service was never rendered. 

I reported the transaction as a billing error on XX/XX/year>. On XX/XX/year>, Chase denied the dispute based on information provided by XXXX. I was not provided adequate notice or documentation at the time. 

When I later requested the dispute records, the documentation explicitly states the voucher was not redeemed, yet Chase upheld the denial. This indicates the dispute was not reasonably investigated and relied on inconsistent merchant representations. 

I am requesting a proper reinvestigation under applicable consumer protection regulations and correction of my account. 

Attached documentation shows XXXX acknowledged difficulty using the voucher and that it was not redeemed, yet Chase denied the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: CA

Complaint narrative:
Company name : Williams Rush & Associates Account number : XXXX Amount disputed : {$1800.00} What is the issue? 
Incorrect information on credit report Debt collection practices Attempting to collect a debt not properly validated Your Complaint Statement ( Paste Below ) : I am submitting this complaint regarding Williams Rush & Associates for reporting and attempting to collect a debt that has not been properly validated, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
The account in question was opened on or about XX/XX/year>, and is being reported as a collection account with a balance of {$1800.00}. To date, Williams Rush & Associates has failed to provide any documentation proving that I am legally obligated to pay this debt. 
Specifically, the company has not provided : Proof of my obligation to pay the alleged debt A copy of any original contract or agreement bearing my signature A complete itemization of the alleged balance Proof that they have the legal authority to collect or report this debt Despite the lack of validation, Williams Rush & Associates continues to report this account to consumer reporting agencies, which constitutes inaccurate and unverified reporting in violation of FCRA 1681s-2 ( b ).

Under FDCPA 809 ( 15 U.S.C. 1692g ), a debt collector must cease collection and reporting activities until proper validation is provided. Continuing to report this account without validation is misleading, harmful, and unlawful.

I am requesting that the CFPB investigate this matter and require Williams Rush & Associates to either : Provide full and proper validation of the alleged debt, or Immediately delete the account from all consumer reporting agencies.

This complaint is submitted in good faith and is not an acknowledgment of liability for the alleged debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I purchaseaXXXX XXXX XXXX from XXXX XXXXthey sold me a car with lot of mechanical issues. The brakes worn the back passenger tire had a buble. The bushing arm leaking motor mount leaking oil. Air conditioning filters was never changed. And bad battery. My car was in the shop for XXXX weeks. They never fix battery nor the tire.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: PNC Bank N.A.
State: WI

Complaint narrative:
PNC bank started charging a XXXX dollar fee that wasn't charged on my accounts before my account levels have never dropped below XXXX XXXX dollars between both accounts and not below XXXX XXXX dollars in the account being charged the fee, they must of changed something because it was always a free account prior, it appears that this has been going on for at least 6 months with no notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
My complaint is about PayPal. I am XXXX XXXX XXXX XXXX  where I am sent products from XXXXXXXX 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. The payments are made to my PayPal account. Besides receiving the XXXX XXXX I used PayPal to pay for my XXXX and XXXX accounts as well as a few other legitimate businesses ( XXXX XXXX XXXX  When I receive the XXXXXXXX XXXX XXXX I believe most of them come from XXXX sellers/accounts because that is where they are from. 
I XX/XX/year> I was notified that my account was permanently shut down and my money is being held for I believe 90 days. I understand the holding of my money but upon reviewing PayPal 's terms I have not violated any terms and have only conducted legal and legitimate business. I have called numerous times to ask for a reason and offered to provide documentation showing that I am conducting legal business but each time I am read a script and told that they can not disclose any information to me and will not accept proof of my business. 
XXXX XXXX XXXX XXXX XXXX  I wish to continue working and needing a financial account, would request that PayPal understand what I do and reopen my account. If I need to open a business account for the purpose that I need I am willing to do that but first need to resolve this situation. 
I am willing to provide emails showing the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
This credit card company doesnt post what you spent. Its a very big delay and then all of a sudden youre over your credit and then theyre trying to say that I was sure that I was late last year which is already been more than a year while theyre putting on that and it wasnt a payment wasnt even due. Yes I had a payment come back, but I had already paid so much.

Company response to consumer: Closed with explanation