vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am filing a complaint against MOHELA regarding misconduct with my private XXXX Student Loans. I submitted my school misconduct paperwork before the stated deadline, and MOHELA confirmed that the paperwork was received. Despite this, MOHELA told me that the department handling the paperwork was closed and that the processing would not occur in time. They then told me I must pay {$940.00} immediately or they would not ensure my account remained in good standing and could send my loan to a third-party collector for full repayment. 
This appears to be coercive and misleading. I submitted the required forms before the deadline and MOHELA confirmed receipt. There is no valid reason for them to demand a large payment in order to protect my account during processing. This seems like an attempt to force a payment under threat of collections. 
I am asking the CFPB to investigate MOHELAs handling of my loans, ensure my account is not sent to collections while my submitted documents are under review, and require MOHELA to provide written clarification of my loan status and rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
In XX/XX/XXXX, I contacted PayPal for assistance limited strictly to a single XXXX XXXX transaction in the amount of {$37.00}. I did not authorize, request, or consent to any additional disputes, reversals, or chargebacks. 

Despite this limited request, a PayPal employee initiated unauthorized chargebacks and/or reversals across multiple unrelated merchants, impacting transactions spanning approximately XX/XX/XXXX through XX/XX/XXXX. These actions were not user-initiated, exceeded the scope of my authorization, and indicate a failure of PayPals internal execution controls and transaction governance. 

I have spent approximately XXXX to XXXX hours over the past week attempting to correct this issue, including multiple extended calls on XX/XX/XXXX through XX/XX/XXXX, XXXX of which disconnected after more than XXXX minutes. During these communications, PayPal representatives verbally acknowledged that the reversals were caused by a PayPal employee error and not by any action taken by me. However, PayPal has refused to provide written confirmation, failed to promptly restore the transactions, and failed to ensure continuity of access to my funds. 

This issue is mission-critical and ongoing. The unauthorized reversals have disrupted access to capital, interfered with time-sensitive financial obligations, and caused immediate and measurable financial harm. PayPals inability to promptly correct an acknowledged internal error raises serious concerns regarding internal controls, escalation procedures, and compliance with obligations to safeguard consumer funds and transaction integrity. 

I am requesting immediate restoration of all improperly reversed transactions, written confirmation that this incident resulted from a PayPal employee execution error, written confirmation that my account has not been flagged or penalized in any way, and a formal explanation of how this failure occurred and what corrective controls are being implemented to prevent recurrence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
In XXXX of XXXX we had a payment pending for XXXX. The gentleman on the phone at Ally told us we can stop that payment and only had to make a partial payment of {$510.00} within 10 days. We made that payment one day later the written agreement states that we will have two months of no payments for XXXX and XXXX as a result a scheduled payment of {$770.00} will be due on XX/XX/XXXX. They are now requesting a payment of {$770.00} for XXXX. Our written agreement says it is not due until XXXX. Ally is stating it is because we canceled a payment in XXXX but we still made a partial payment in XXXX because the representative on the phone told us we did not need to make a full payment and that I could cancel the payment that was processing, every time I call I get put on hold for a long periods of time and hung up on and on was XXXX a supervisor said that she was going to address the situation and if that is what the person on the phone told us about the XXXX payment she would extend our payment plan. She never contacted us back and every time we call they put us on hold and the phone gets disconnected, the last call was today XXXX for an hour.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CFPB, I am filing this complaint due to repeated, inconsistent, and unclear information provided by JPMorgan Chase Bank regarding overdraft protection, overdraft practices, and the circumstances under which transactions would be paid, declined, or assessed fees on my checking account. 

Over an extended period of time, I have received conflicting explanations from Chase representatives about whether overdraft protection was available, whether my account was enrolled in any overdraft services, whether transactions would be authorized or declined when insufficient funds were present, and whether overdraft fees could be assessed. These explanations were inconsistent with each other and were not resolved through clear written confirmation. 

At no point was I provided with a clear, consistent, and affirmative explanation of my overdraft status or a meaningful opportunity to make an informed decision regarding overdraft coverage. Instead, I was left with contradictory information that made it impossible to reasonably understand how my account would function in real-world transactions. 

This inconsistency is particularly concerning because overdraft practices involve fees, consumer choice, and regulatory opt-in requirements. When a financial institution provides conflicting or unclear information about fee-triggering services, it undermines a consumers ability to manage their account responsibly and raises serious concerns about unfair or deceptive practices. 

Despite the availability of overdraft options in Chases internal policies, those options were not communicated to me in a clear, uniform, or reliable manner. Different representatives provided different explanations, and no definitive written confirmation of my overdraft enrollment status or opt-in history was offered until I raised concerns myself. 

As a consumer, I should not have to piece together critical account terms from inconsistent verbal explanations. Banks have an obligation to ensure that information regarding overdraft services and fees is accurate, consistent, and non-misleading, especially when those services can result in financial harm. 

The lack of consistent information directly affected my ability to understand : Whether overdraft protection was available or active Whether Chase would authorize or decline transactions when funds were insufficient Whether overdraft fees could be assessed Whether any opt-in or opt-out was on record for my account This confusion is not hypothetical ; it has real financial consequences. A consumer can not meaningfully consent to overdraft practices when the information provided is inconsistent or unclear.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My account was closed and I was sent a letter stating it was Closed and they can not disclose why My account was current with a {$700.00} credit limit and it was under the 30 % usage. 

They disclosed for XX/XX/year> that my credit score was a XXXX when in fact it was a 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 2026-01-02 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Good evening, I am the owner of XXXX. XXXX, XXXX. We currently are under contract with XXXX XXXX performing testing on XXXX XXXX XXXX cellular infrastructure. You can see my XXXX  with Beach via the attached XXXX XXXX  XXXX  in addition to an associated invoice and payment waiver via XXXX and XXXX XXXX XXXXXXXX - XXXX - XXXX respectively. The equipment required to perform said testing is an XXXX XXXX XXXX XXXX as can be seen on page XXXX of the projects provided test procedure, attached via XXXX XXXX XXXX. I was looking to procure this equipment in order to no longer have to pay a rental company. You can see my most recent invoice from said rental company via XXXX XXXXXXXX. Additionally, I have provided, via the attached XXXX and engineering analysis performed onsite using the above-mentioned equipment to perform the above-mentioned test procure. The equipment was to be shipped to me, but all communication stopped after I asked for the tracking information of which the scammer said would be provided XXXX days after payment. This equipment would have been used relatively local to me, as the job site is located across from the XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. XXXX XXXX you can see a XXXX XXXX  screenshot of the hotel ( our rendezvous point ) and the XXXX track across from it where we perform said testing. I have provided a sign-in sheet with the signature of XXXX foreman XXXX XXXX. The equipment associated with this case had been sourced via an XXXX classified ad. I have attached the entire dialogue between myself and the scammer via Dispute_eBay_Dialogue. The initial listing URL and any additional URLs for the other piece of equipment ( of which are listed in the attached dialogue ) are no longer available as expected. 
Paypal has denied my claim multiple times, claiming that my purchase is not protected even though the evidence provided clearly shows that I was simply looking to purchase equipment in order to no longer have to pay rental fees. 
I have additionally provided the invoice from the company, XXXX, whom I eventually did purchase the needed equipment. 
Regards, XXXX XXXX : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
My PayPal account was permanently closed on XXXX XXXX. All of my funds have been withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I wrote a letter XXXX days before my lease was up. I moved out of the apartment on XX/XX/XXXX and I still paid XXXX rent. I told the apartment complex on XXXX XXXX XXXX XXXX XXXX XXXX XXXX that our apartment had XXXX mold. They came out with the XXXX XXXX XXXX  and deemed it was not that bad. My wifes health stated other wise and she still has breathing issues. If need be I have pictures. Today ( XX/XX/XXXX ), my wife checked the mail and we had a bill for XXXX. The office did not try to reach out to me about this bill. I did not receive an itemized bill either. Why should I have to pay this is? If according to my lease I need to be out by XX/XX/XXXX. I was on XX/XX/XXXX. I am including a picture of the office worker I gave my keys to on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Deletion from Credit Report : To Remove Account To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. The reason these items should be deleted are indicated below. 



Item/Account Info or XXXX  as listed on Report : Reason for Deletion : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within XXXX  days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information please contact me at : Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
According to the car dealership I was denied for an Auto loan. 
I was never provided any documentation or a written explanation as to why I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Deletion from Credit Report : To Remove Account To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. The reason these items should be deleted are indicated below. 



Item/Account Info or XXXX  as listed on Report : Reason for Deletion : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within XXXX  days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information please contact me at : Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Bridgecrest Acceptance Corporation engaged in repeated unlawful debt collection practices after the alleged debt was disputed in writing and never lawfully validated. 
Despite receiving written dispute and validation requests, Bridgecrest failed to provide proof of ownership of the debt, chain of title, or lawful authority to collect, providing only a contract and payment history. Notwithstanding this failure, Bridgecrest continued collection activity, including repossessing the vehicle without a judicial order and from a secured/private area, reporting the disputed debt to consumer reporting agencies, charging off the account while continuing enforcement, scheduling a sale date, and sending post-dispute and post-litigation communications. 
Bridgecrest also disclosed my personal and account information to a third-party repossession agent without authorization to facilitate unlawful enforcement. 
This conduct constitutes violations of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and unfair, deceptive, or abusive acts or practices ( UDAAP ). I am requesting regulatory review, corrective action, and cessation of unlawful collection and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for a Capital One XXXX Visa Rewards Store Card on XX/XX/XXXX and used the provided virtual card once to pay my phone bill. My first card was supposed to arrive XX/XX/year> but I never received the physical card until I noticed fraudulent charges and I reported the fraud. My card number may have been compromised from the XXXX app or lost mail as XXXX faces allegations of data breaches and stolen bank accounts/cards/money. I have received the replacement card on XX/XX/XXXX but no updated credit. 

My physical card was supposed to arrive in the mail on XX/XX/XXXX however I have never received notification or delivery until I noticed the fraud and acted right away on XX/XX/XXXX when I saw fraudulent charges of transactions that dont belong to me. 
Between XX/XX/XXXX, unauthorized charges totaling {$350.00} were made. I reported the fraud immediately on XX/XX/XXXX. Capital One issued a provisional credit posted XX/XX/XXXX, but my balance and available credit have not updated, I have not received an updated billing statement, and I continue to be told to wait. 

Capital One intentionally withholds information with malice ; accused in past lawsuits about not resolving fraudulent transactions and accounts AND failure to secure sensitive data on consumers leading to data breaches. 

Capital One failed to timely notify me of card usage, failed to deliver the card, and failed to apply update my posted provisional credit for future use of my t mobile replacement card and failure to provide clear account updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year> date, I opened a Citi Regular Checking account because Citi Bank offers {$450.00} welcome bonus for new customers. I funded the account for {$3200.00} on XX/XX/year> date ( from my personal checking account at XXXXXXXX XXXX XXXX and {$2800.00} on XX/XX/year> date ( from my personal checking account at XXXX XXXX  ) to fulfill the requirements to receive the welcome bonus. However, when I tried to transfer {$6000.00} back to the same checking account at CitiBank, Citi Bank claimed that I violated the client manual and would close my account. My {$6000.00} was withhold by Citi Bank and the {$450.00} bonus was neither received.

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 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: TX

Complaint narrative:
Complaint Statement On XX/XX/XXXX, XXXX approved a purchase in conjunction with XXXX for an airline ticket with XXXX XXXX. The itinerary was from XXXX XXXX XXXX XXXX ) to XXXX ( XXXX ) for travel dates XX/XX/XXXXXXXX  through XX/XX/XXXXXXXX  ( Itinerary # XXXX ). 

On XX/XX/XXXXXXXX XXXX XXXXXXXX sent an email to me ( XXXX ) stating that my request for funding through monthly installments was denied due to other credit factors. At that time, XXXX did not provide any notice that alternative payment options were available, nor did they advise me to contact support or the merchant to resolve the denied payment. 

On XX/XX/XXXX, I received a payment request from XXXX for this transaction. On XX/XX/XXXX, After contacting XXXX customer service, I was instructed to contact XXXX to obtain a letter of cancellation. I then contacted XXXX, who contacted XXXX XXXX on my behalf. I was advised that because I did not arrive for the flight, the ticket was canceled and marked as a no-show. 

When I explained to XXXX that XXXX had denied the payment plan, I was informed that XXXX could not issue a refund for either the initial payment of {$130.00} or the remaining balance being charged by XXXX, totaling {$540.00}. 

Dispute XXXX XXXX denial notice did not indicate that any alternative payment options were available or that the payment plan had been updated. Additionally, XXXX did not communicate the payment denial to XXXX or XXXX XXXX, nor did they notify me that I needed to provide another form of payment to prevent since the payment agreement was denied. 

The notice from XXXX does not indicate that changes were made to the payment plan, nor does it instruct me to contact support to resolve the issue or complete another payment through another method. As a result, I was charged for a service that I didn't not use due to XXXX failure to properly communicate the denial and next steps. 

Requested Resolution I am requesting a refund of the initial payment of {$130.00} and the removal and refund of all charges requested by XXXX related to this transaction, totaling {$540.00}, including any late fees or negative credit remarks. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
What happened : XXXX switched my credit card from XXXX XXXX  to Barclays When : XX/XX/year>XXXX   I received a new credit card for Barclays not at my request. 

Why is this a problem : my available credit line is only $ XXXX now. I formerly had a credit limit of {$5000.00}. 

Who I contacted : Barclay customer service XX/XX/year> requesting terms of my former card. Request was denied. 

I have owned the same credit card for 33 years. I was never informed prior to receiving this new Barclay card, that Barclay had greatly reduced my line of credit and the terms of my credit card. I am seeking assistance to restore my card to its former credit standing.

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