vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am filing a complaint against MOHELA regarding the improper placement of my student loans into forbearance, which prevented a qualifying payment from being counted toward my loan forgiveness. On XX/XX/XXXX, I contacted MOHELA and made what should have been my final qualifying payment toward loan forgiveness. During that same call, I specifically requested that my loans be placed into forbearance at the end of XXXX, after my payment had been made and credited. Later, when I reviewed my payment count through XXXX XXXX XXXX, I discovered that my XXXX payment did not count because my loans were reported as being in forbearance. I contacted XXXX XXXX XXXX and was advised to contact MOHELA to request a correction to the forbearance start date. When I followed up with MOHELA, I learned that my loans had been placed into forbearance in XXXX, before my XXXX request. I did not request a XXXX forbearance, did not authorize a XXXX forbearance, and was not informed that my loans would be placed into forbearance before my final qualifying payment could be credited. I immediately requested that MOHELA correct the forbearance start date to the end of XXXX, consistent with my original request. I was told that the correction would take approximately XXXX business days to process. However, I never received any confirmation, determination, or update regarding my request. Since then, I have repeatedly attempted to resolve this issue by phone and through secure messages. I have spent hours on hold attempting to reach an advanced agent and have been unable to obtain assistance or a resolution. Despite my repeated efforts, the error remains uncorrected. As a result of MOHELA 's actions, my XX/XX/XXXX payment was not credited as a qualifying payment toward loan forgiveness. This has delayed the completion of my forgiveness process and has caused significant frustration, unnecessary administrative burden, and potential financial harm. I am requesting that MOHELA : Review all account records and call logs related to my forbearance request. Correct the forbearance start date to the end of XXXX, as originally requested. Restore qualifying payment credit for my XX/XX/XXXX payment. Provide a written explanation of why my loans were placed into forbearance in XXXX without my request or authorization. Provide written confirmation of all corrections made to my account. I have made multiple good-faith attempts to resolve this matter directly with MOHELA, but the issue remains unresolved. I am requesting CFPB assistance in obtaining a prompt review and correction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debit was sold to a third-party company, and I never gave them permission to obtain my information and my debt I don't have a signed contract with them for these files attached below. Banks securitize their debt meaning they sell it to a trust to get it off their books and if they sold it to the trust them the debt collector does not own the debit and can't collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 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: CO

Complaint narrative:
I am submitting this complaint regarding Wells Fargo and its handling of a disputed unauthorized ATM withdrawal from my checking account. On XX/XX/XXXX 2026, XXXX transactions posted to my account : A charge for {$78.00} described as : " NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX ATM ID XXXX CARD XXXX '' A charge for {$3.00} described as : " NON-WELLS FARGO ATM TRANSACTION FEE '' These transactions were not authorized by me. I did not make this ATM withdrawal, nor did I authorize anyone else to do so. After discovering the charges, I contacted Wells Fargo and reported them as fraudulent. Wells Fargo investigated and ultimately denied my claim. I then contacted the bank again in approximately XXXX 2026 to appeal the decision. During that appeal, I explained that I was not present at the location of the withdrawal and that I possess evidence supporting my claim, including photographs stored on my phone and credit card transaction records showing that I was elsewhere at the time the withdrawal occurred. As part of the appeal process, Wells Fargo issued temporary credits totaling {$81.00} on or around XXXX XXXX, 2026 while conducting a further investigation. However, on XX/XX/XXXX2026, I received notice by mail that Wells Fargo had again denied my claim and determined that the transactions were authorized. I disagree with this determination. I continue to maintain that these transactions were unauthorized and that my debit card information was compromised. Wells Fargo has not adequately explained how it concluded that I authorized the withdrawal despite the evidence available to show that I was not present at the ATM location when the transaction occurred. If Wells Fargo believes that I conducted this transaction, I request that the bank provide the evidence supporting that conclusion. I also request that Wells Fargo obtain and review any available ATM surveillance footage from the withdrawal location, as such footage would further demonstrate that I was not the person who conducted the transaction. I am seeking the following resolution : A permanent refund of the unauthorized ATM withdrawal of {$78.00} and the related {$3.00} ATM fee, totaling {$81.00}. A thorough review of all evidence relating to this claim, including any available ATM camera footage and transaction authentication records. A written explanation of the basis for Wells Fargo 's denial of my fraud claim. Confirmation that my account will not be held responsible for these unauthorized transactions. I believe Wells Fargo has improperly denied a legitimate fraud claim despite evidence that I did not authorize or conduct the ATM withdrawal. I respectfully request CFPB assistance in obtaining a fair review and resolution of this matter.

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 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I have been temporarily locked out of my XXXX account since approximately XX/XX/year>, and I have a balance of approximately {$1000.00} in my account. I have called customer service approximately 5-6 times and have been told to wait anywhere from several hours to 24 hours and they have refused to escalate me to a manager. I follow their instructions and try again in several hours and the issue is not resolved. They also refuse to provide a ticket number or any means of follow up. As of today, I have fallen behind on payments and will be unable to make my rent payment tomorrow. I find it wholly unacceptable that they are not helping me regain immediate access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX my Cash App account was accessed without my authorization. An unauthorized transfer of {$150.00} was made from my account to a XXXX XXXX XXXX account. I have the transaction number for this transfer. I did not authorize this transaction and my account was compromised. I contacted Cash App support the same day and reported it as fraud. I have also filed reports with the FTC and IC3. Cash App has not yet refunded the unauthorized {$150.00}. I am requesting a full refund of the unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
Receive call email from the collection agency I told them this was part of a XXXX XXXX XXXX breech I received a settlement because of this this should be removed off my credit reports

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 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: NJ

Complaint narrative:
I'm disputing this account because the account open date, and last payment date are reported differently on each credit bureau, Due to the following inconsistencies, the information can not be verified as accurate under the FCRA. I request a immediate deletion and also a full disclosure of the method used to verify it. Also If this account is verified as mine, please provide a signed agreement bearing my signature and sufficient documentary evidence establishing my responsibility for the account. If you can not provide such evidence, I request immediate deletion pursuant to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Hello, I am a customer of mountain America credit union. They have issued a full system update and have removed all access to accounts for 5 days. No ability to transfer funds. No ability to collect personal account numbers. No ability to check balances. Absolutely nothing and there also is not any access through customer service representatives. Not only is this not acceptable to remove customers access to vital funds in a crashing economy, but this is against regulations. Scheduling an update purposely during the end of a month and into the beginning of a new month is extremely reckless behavior. Everyones rent is due during this period. I want damages to be paid due to me and other customers not having access to OUR funds. I also want compensation for any and all foreseeable inconveniences this has and will cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My mortgage servicer was transferred from XXXX XXXX XXXX XXXX XXXX to Rocket Mortgage starting XX/XX/year>. I had gotten communication from both companies about this change. On XX/XX/year> I got an email from Rocket Mortgage with the loan number information and more details about when the loan would be available to manage using my Mortgage Rocket account. The email stated I would have full access to my loan account beginning XX/XX/year> and had a hyperlink to sign into my already existing Rocket Mortgage account. At some point after XX/XX/year>, I signed into my account on Rocket Mortgage to manage my loan and set up my payment information, but I could not access my loan once I had logged in. I reached out to support on their online chat system, and I was told that it sometimes take a while, so check back after a few more days. After a while longer, I was still not able to get access to manage my loan on the website, so I called their support number on XX/XX/year>. They tried some troubleshooting things to try to link the loan, but none of them worked. Then they told me to email some of my information about my account and problem to a support email. They told me I would hear back in like XXXX business days I think. ( I still have gotten XXXX response as of XX/XX/year> ) On XX/XX/year> I called again about how I was still not able to access my account online. They tried some more troubleshooting and then said that a manager would call me back the same day at some point. I never got a callback. I called back later that same day and they said they submitted a ticket to their IT people, and that I would receive an email in around 1 hr about the issue ; I still have not received any email from them about this. The next day on XX/XX/year> I called again to ask why I never received a callback from the manager or the email from IT about the ticket/issue the support said they submitted for me, and they said that there were a lot of tickets IT were working on so it may be a day or two. They did offer a few times about paying my mortgage over the phone, but I did not do that at the time. I still do not have access to my loan on the website when I log into my account, and I have received no follow-up or clarification on when the problem will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC
State: IL

Complaint narrative:
LOANCARE account number XXXX opened XX/XX/year> balance {$160000.00}. The account does not belong to me and is the result of identity theft. The account was previously disputed and removed by the credit reporting agency after an investigation determined that the information could not be verified. However, the collection account has recently reappeared on my credit report despite my prior disputes and evidence that is fraudulent. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this collection account be immediately investigated and permanently removed from all credit reporting agencies. I did not open, authorize, or benefit from this account in any way. I am requesting that the collection agency and credit bureaus provide complete documentation proving that I am legally responsible for this debt.

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 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates regarding a collection account for {$470.00} that continues to be reported on my XXXX credit report. I disputed this account with XXXX and was notified that the account was verified and would remain on my credit report. However, Portfolio Recovery Associates has not provided me with the documentation used to verify the account despite continuing to report it as accurate. The account also contains remarks stating Subscriber reports dispute resolved - consumer disagrees and Consumer disputes this account information. I am requesting that Portfolio Recovery Associates provide all documentation used to verify this account, including : * Proof that Portfolio Recovery Associates owns or has legal authority to collect the alleged debt. * Documentation establishing that I am legally responsible for the account. * Documentation supporting the reported balance of {$470.00}. * Records showing how the account was verified during the credit bureau investigation. * Documentation supporting the continued reporting of this account to XXXX Simply stating that an account has been verified is not sufficient. I am requesting the evidence relied upon to verify the debt and continue reporting it to consumer reporting agencies. If Portfolio Recovery Associates can not provide competent documentation supporting the accuracy and completeness of the information being reported, I request that the account be deleted from my credit report and all inaccurate information corrected immediately. As a fair resolution, I request that Portfolio Recovery Associates provide the requested documentation or delete the account if it can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: AE

Complaint narrative:
I am filing a complaint against Cashapp ( Block Inc ) regarding a reduction in my overdraft coverage limit without adequate notice or explanation. My overdraft limit was reduced from {$150.00} to {$50.00} then to {$25.00}. I contacted Cash App support multiple times requesting the specific reason for the reduction. Support representatives acknowledged the decrease but repeatedly provided only generic explanations about automated eligibility reviews and could not identify any specific reasons applicable to my account. I regularly deposit funds into my cashapp account and have maintained eligibility for overdraft services. When I requested details regarding the decision, XX/XX/XXXX could not explain what account activity caused the reduction, what eligibility requirements I allegedly failed to meet, or when the notice of the reduction was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: NC

Complaint narrative:
XX/XX/XXXX I had the funds to pay XXXX back rent and the company would not take the payment ( by this time the property was no longer owned by XXXX and had been taken over by XXXX ). I was told that they would not accept XXXX rent ( {$1500.00} ), I was told that I would have to pay XXXX and XXXX combined, even though XXXX had not started yet. I came home to an eviction notice on XX/XX/XXXX. I had let them know that I could pay the rent amount for both months, however I was told that the eviction process had already started and that they had to follow through with that process and would not accept payment. I ended up getting evicted even though I had the funds to pay. The entire situation was unethical. XXXX of XXXX I received a letter from IQ Data stating that I owed {$3300.00}. I called the company ( IQ Data ) XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to try and explain what happened and tried to get the payment down, however I was bullied into paying only what they wanted me to pay and that if I did not pay that amount then, they would put it on my credit report and that it would damage my credit if I did not pay. If the rental company had just taken my payment last year this would not even be a situation. I never said I was not going to pay back rent to XXXX I also did not say that I would not pay IQ Data but I was not paying an amount that was unfair. If I had the funds to pay in XXXX of XXXX then I should not have been evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I noticed unauthorized {$140.00} charge attempts from XXXX on my Cash App Card and immediately initiated a merchant block. Cash Apps transaction history shows repeated postblock retry attempts beginning XX/XX/XXXX through XX/XX/XXXX. I disputed the XX/XX/year> {$140.00} XXXX transaction. Cash App denied the dispute on XX/XX/year>. Their XX/XX/XXXX denial letter cited only an IP address match and included a link to merchant chargeback evidence ( Ref # XXXX ). The merchant evidence is invalid, contradictory, and does not support authorization : The merchant defended the charge under XXXX XXXX, not XXXX. The product is described as a Subscription update. However, the attached XXXX XXXX XXXX screenshot shows my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with Tier : free, SubscriptionID : None, and no active subscription. The packet also references a previously blocked XX/XX/XXXX XXXX transaction, which Cash App itself blocked for consumer protection. XXXX XXXX and XXXX appear to be the same entity using different merchant IDs. Their continued attempts to charge my card after I blocked them, including retries under different merchant identities, are unauthorized under Regulation E. Cash Apps investigation ignored these discrepancies and did not meet their obligations under the Electronic Fund Transfer Act. The evidence they relied on does not match the disputed transaction, does not show any subscription, and contradicts itself. Recent Cash App support chats confirm the case was escalated to a human investigation team, who acknowledged the mismatched evidence, the blocked XXXX charge, the no subscription contradiction, and XXXX public statement on XXXX that they can not locate any account associated with me. Attachments : Cash App transaction history showing block + repeated retry attempts XX/XX/year> denial letter + merchant evidence PDF ( Ref # XXXX ) Cash App support chat screenshots confirming escalation and acknowledgment of errors XXXX public XXXX reply stating they can not locate my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Grant & Weber
State: OH

Complaint narrative:
Back in XXXX, I had went to a mental facility to get my mental health right, I needed leaving and going back home to Ohio, I kept receiving calls from a company called GRANT & Weber INC that cost {$660.00}, i got a XXXX XXXX credit card that has been closed for {$5200.00} and a lot of hard inquiries I have a lot of stuff thats paid off thats need to be removed, I just remembered back in XXXX after XXXX pandemic, I havent paid off my XXXX XXXX I had to Pay roughly {$2500.00} I was making payments with a debt Collector company called XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CO

Complaint narrative:
An unauthorized user linked my Chime debit card ending in XXXX to a separate XXXX account. I contacted XXXX supervisor support, and they verbally admitted on a recorded line that they located the fraudulent transactions on a stranger 's account, but they flatly refused to remove my card or stop the billing. I contacted Chime to file a standard electronic fund transfer billing dispute under Regulation XXXX, but Chime refused to process the dispute line-item unless I forced a full card replacement, creating an undue consumer burden. I am demanding a permanent credit for the {$7.00} charge and a back-end block on this fraudulent merchant ID without canceling my active card

Company response to consumer: Closed with explanation