vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I file a complaint with Consumer Financial Protection Bureau. The complaint was for the emails that I received of the edited accounts they are XXXX XXXX, XXXX and XXXX XXXX. The company responded on XX/XX/XXXX inside of my Consumer Financial Protection Bureau. I stated from Chase '' We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below. We confirmed that the alert you received were for Third- Party aggregator linkages. A Third- Party aggregator is when you authorize a Third- Party, such as a merchant. To access your account information through a Secure link in your bank platform. The three alert you received were to inform you that the Third Parties ( XXXX XXXX, XXXX and XXXX XXXX  have been removed from authorized access. You provided access for XXXX XXXX on XX/XX/XXXX. XXXX was removed on XX/XX/XXXX. You provided access for XXXX on XX/XX/XXXX. XXXX was removed on XX/XX/XXXX. 

On XXXX XXXX I received emails from Chase that ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was edited from my JP Morgan Chase account after making a report. I received a respond from Chase in XXXX XXXX on XX/XX/XXXX from Chase with the subject ; account inquiry. The message was removed from my JP Morgan Chase XXXX XXXX when I went to review the message after reading this complaint on XX/XX/XXXX. However, I download a copy of the message I received in secure message and have uploaded it as supporting evidence. 
Therefore, I only edited the account from the Third parties on XX/XX/XXXX when I received the first alerts. I then received a respond on XX/XX/XXXX after I made a inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter is not an acknowledgment of liability or an admission that I owe this debt.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this alleged debt. Please provide the following : 1. The amount of the alleged debt, including an itemized breakdown of fees, interest, and charges.

2. The name and address of the original creditor.

3. A copy of the original signed contract or agreement bearing my signature.

4. Proof that you are licensed and authorized to collect debts in my state.

5. Documentation showing that this debt has been legally assigned or transferred to you.

6. The date of the alleged default and the date of last payment.

Until you provide the requested validation, you must cease all collection activity, including reporting or continuing to report this account to any credit reporting agency. 

If this debt can not be properly validated, I request that it be removed from my credit report immediately and that I be notified in writing of such action. 

Please note that any further communication regarding this matter should be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> VIA CERTIFIED MAIL AND EMAIL Jefferson Capital Llc [ Address ] [ City, State, ZIP Code ] RE : CEASE AND DESIST DEBT COLLECTION COMMUNICATIONS Account Number : [ XXXX, if applicable ] To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), this letter serves as formal notice that you are hereby directed to cease and desist all communication with me regarding the above-referenced account.

This includes, but is not limited to, communication by telephone, email, text message, mail, or through third parties. You may only contact me to confirm that you will comply with this request or to notify me of specific legal action being taken, if any.

Any further communication from your company that does not fall within these limited exceptions will be documented as a violation of federal law and may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General, as well as potential legal action.

This notice is not an acknowledgment of the validity of the alleged debt, nor is it a refusal to pay. All rights are expressly reserved. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Recovery Service Incorporated
State: WI

Complaint narrative:
I had made a verbal agreement with this company back in XX/XX/year>. In XXXX I contacted them because I wanted to verify amount owed. I was told XXXX. I had already paid XXXX. I said that didnt sound correct and thought it was XXXX for 18 months with a final payment of a smaller amount. Which when retuning home I did look and it was 20 months at XXXX and a payment of XXXX. Which I think was paid initially but I have asked bank to send me that months statement. So total was XXXX. I asked in XXXX if I could renegotiate the XXXX even though I didnt agree that was a correct amount. I was told originally if I paid this debit after a year to contact them and I might be able to do so. During the XXXX conversation I was told it was unlikely, phone call was disconnected and no one called me back. Come XXXX XXXX I was shocked to see they withdrew another XXXX. So I contacted them again. She insisted she never gave me this amount which is a lie. Then when I said I wasnt going to pay anything else I was told I would owe the full balance and she would notify their lawyers. I said ok let me talk to them. She said that wasnt an option. But yet she could threaten me with them?? Then she said the settlement letter they sent out was for XXXX. I said yes but that wasnt what was agreed upon. She said well thats the agreement. I asked if that was a signed contract because I never signed anything because they never sent me an agreement and yes partially my fault but my husband had a XXXX and I was just trying to get by. I also trusted these people. Now as I look into things I feel they collecting more money and being shady. They send me a letter every month saying when payment is coming out. Yet they change the date all the time. Not once has this letter shown a balance. So I set up an account for web pay and again no record of my payment just a balance and this balance is for XXXX. Now if we had agreed upon XXXX it should show XXXX. I also called XXXX and they informed me their first payment was in XX/XX/year>. They also dont mark credit report as paid as agreed they only deduct amount each month. I asked this company for contract, amount owed and payment with dates. None have I received. They change agreement as they seem fit. Have no record for me to verify because had there been an amount back in XX/XX/year> after 1st payment I would have contacted them at that time. Now after Ive paid them XXXX they say I still owe more.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Property Receivables, Corp
State: WA

Complaint narrative:
During a phone call, the collector manager explicitly stated that filing a police report was a requirement in order to dispute the debt, and that I had to follow a police report because they believed I was lying. This statement was presented as mandatory and not optional. I believe this is a false representation of the law intended to intimidate and coerce payment, as there is no legal requirement to file a police report to dispute a consumer debt. They also stated if I did not pay the debt that they will start garnishing my check because I was getting close to the date of it needing to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo mailed a request for additional evidence regarding my fraud dispute. The letter was delivered to me after the response deadline had already passed. 

Because of this delayed delivery, Wells Fargo informed the CFPB that I did not respond, which is inaccurate. 

As soon as I received the letter, I submitted my response and evidence to Wells Fargo by email on XX/XX/year>. 

I am filing this new complaint to correct the record, provide confirmation that I did respond, and request that Wells Fargo properly review the submitted evidence and continue the fraud investigation. 


Correction of the record to reflect that I did respond to Wells Fargos request for evidence, but the response window closed due to delayed postal delivery. 

Disputed Transaction ID : 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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dear Sir or Madam, I am writing to formally complain about an exceptionally poor customer service experience involving PayPal and Synchrony Bank on XX/XX/year>, related to the verification of my PayPal cards for use in Apple Wallet following a required XXXX reset. 

After resetting my device, I attempted to add my XXXX XXXX cards to XXXX XXXX. Earlier that morning, a PayPal representative walked me through an extensive identity verification process, which included receiving a link by email, recording a selfie video, and submitting photographs of my government-issued identification. I completed this process in full and was subsequently provided with verification codes for both cards via email. 

I was then instructed to contact Synchrony Bank to finalize the approval. I called Synchrony Bank at least XXXX times throughout the day, using XXXX different phone numbers. During these calls, I experienced repeated delays, transfers, and contradictory instructions. XXXX representative kept me on hold for approximately XXXX minutes before redirecting me back to the initial step of the process. I then spoke with several additional representatives before finally being able to provide the verification codes. 

That representative placed me on hold for an additional XXXX minutes, only to return and inform mewithout clear explanationthat the codes were incorrect. I was then told that a letter containing new verification codes would be sent to my home address within up to XXXX days, after which I would be required to call again to repeat the verification process. 

This outcome was both disproportionate and unreasonable, given that I had already completed a rigorous identity verification procedure and had been explicitly instructed to provide the codes by phone. 

Compounding the issue, when I expressed frustration and stated that I would refrain from using my cards in the meantime, the representative responded in a confrontational manner, spoke over me, and failed to listen. The interaction escalated unnecessarily, and I ultimately ended the call due to the lack of professionalism and constructive dialogue. 

While I fully understand and support the need for robust security measures, the process I encountered was inefficient, opaque, and excessively time-consuming. More importantly, the customer service conduct fell well below acceptable standards.

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 2026-01-08 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: DC

Complaint narrative:
My bank is PNC bank. my checking account has a debit card/credit card attached to it. i updated my number 3 times with pnc bank but when i try to make a transaction with the debit card pnc bank keeps using my old telephone number preventing me to properly use and make trans action with the debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I am in the mortgage assumption process for the primary mortgage on my home with my mortgage servicer ( Mr. Cooper/ XXXXXXXX XXXX ). 

I recently went through a divorce and bought my ex-husband out of my home using a home equity line of credit with another lender. 

I submitted all of the proper documentation with Mr. CooperXXXXXXXX XXXX and was advised that my DTI and credit worthiness are approved for the assumption of the primary mortgage. However, they are claiming that because I took a home equity line of credit, that the loan to value ratio is too high to issue the assumption to me. 

They said this is because they are using the value of the house at the date of the mortgage origination ( 2021 ) and are claiming that my house is worth {$400000.00}. My home recently appraised for {$590000.00}. The mortgage processor and underwriter are acknowledging that the house is not worth {$400000.00}, but are claiming they can not override the value in the Fannie Mae system and therefore I am being denied. 

This is absolutely negligent and fraudulent as I may be forced to sell my house if I can not remove my ex-husband 's name from liability. I am eligible financially to takeover the mortgage, per their own standards, but am not eligible due to the internal system that is undervaluing my property by nearly {$200000.00}. This may cause me to have to displace my family from our home. 

I even offered to pay for an appraisal to dispute the value and they said that it was not possible. Please help me rectify this matter so that I can retain my property rightfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX ID # : XXXX Good evening Team CFPB ... 

I am requesting assistance with a billing issue and unresolved customer service concern related to a closed credit card account. 

On XX/XX/year>, I contacted customer service after noticing a new balance had appeared on my account. I spent 37 minutes and 19 seconds on the call with a customer service representative. Although I expressed discomfort with the explanation and amount, I ultimately paid the full balance of {$210.00} during or immediately after the call. 

I was explicitly assured by the representative that this payment represented the final amount owed, that no additional charges were pending, and that the matter was fully resolved. 

On XX/XX/year>, I reviewed my account and observed that a foreign transaction fee had posted on XX/XX/XXXX, the same date I made the payment. Concerned, I contacted customer service again. Due to long wait times, I selected the callback option and explained the prior days conversation, payment, and assurances. 

During this second call, I remained on the line for 24 minutes and 51 seconds while the representative researched the issue. He advised me that he did not understand why the charge had posted, stated that it did not appear normal, and placed me back on hold. He repeatedly returned without speaking and placed me back on hold again. Eventually, the call was disconnected. 

When I called back a third time, I was advised of a 30-minute hold time. Unlike the prior call, no callback option was offered. The estimated wait time fluctuated... dropping below 15 minutes and then increasing again to 30 minutes ... without any resolution or contact. Eventually I remained on the line for over an hour until I finally disconnected. 

At this point : The account was already closed The statement balance had been paid in full A charge posted afterward that even a customer service representative identified as unusual Multiple extended holds and a disconnection prevented resolution I am requesting : Review and reversal of the disputed foreign transaction fee Confirmation that the closed account reflects a XXXX balance Assurance that no adverse reporting or additional charges will occur Resolution without requiring further prolonged hold times or repeated calls I appreciate prompt attention to this matter and a written response confirming resolution. 

Thank you in advance for helping to seek resolution to this issue.

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 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CT

Complaint narrative:
An account was opened on XX/XX/year>, by Columbia Debt Recovery Genesis in the amount of {$3600.00}. This debt is being reported for a residence in Texas, a state in which I do not reside. This account is the result of identity theft. I dispute this debt and formally request that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am extremely dissatisfied with Fortiva and their customer service. When attempting to discuss billing issues, I was treated as if I had committed a serious offense. I have been making timely payments on my credit card for several months, with a consistent payment date around the XXXX  of the month. However, without explanation, XXXX  changed my payment due date to the XXXX of the month, resulting in an unjustified late fee. Despite my requests, they have refused to revert to the original payment schedule. As a result, I intend to settle my outstanding balance and close my account. Furthermore. Poor customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: FL

Complaint narrative:
I am submitting a complaint regarding MOHELAs servicing of my private student loans. 

On Friday, XX/XX/XXXX at approximately XXXX AM EST, I spoke with a MOHELA supervisor named XXXX after requesting assistance because I could not afford the monthly payment MOHELA proposed. During this call, the supervisor suggested that I take a cash advance on my credit cards in order to make my student loan payments. 

This recommendation was made after I clearly explained financial hardship and my inability to afford the payment. Suggesting that a borrower take on high-interest credit card cash advance debt to pay student loans is inappropriate, financially harmful, and inconsistent with responsible servicing practices. The advice caused me significant distress and left me in tears. 

I am a teacher and contacted MOHELA seeking legitimate repayment assistance options, not guidance that would worsen my financial situation. I believe this interaction reflects deceptive or abusive servicing conduct and warrants review. 

I am requesting : A formal review of MOHELAs servicing practices Written clarification of acceptable repayment options for my private loans Assurance that borrowers are not being advised to incur higher-interest debt to service existing loans I am requesting that MOHELA provide a written response addressing this complaint. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am submitting this complaint regarding Affirm , Inc. for failure to accurately update my account records and internal reporting after multiple accounts were paid in full. 

I settled and paid the balances associated with my Affirm accounts through collections, and the accounts have been confirmed as paid/settled. Despite this, Affirm has not updated my account internally, and the paid status is still not properly reflected. More than XXXX  days have passed since payment, and I have provided documentation and screenshots proving settlement and payment in full. 

As a result of Affirms failure to update their records : - My credit profile has been negatively impacted - My purchasing power and account eligibility remain restricted - I am experiencing ongoing financial harm due to inaccurate account status I contacted Affirm customer support directly and was instructed to submit documentation via email for further review, with a stated follow-up timeframe of XXXX business days. However, this issue should have already been resolved, as the accounts are no longer owed and payment obligations have been satisfied. 

I am requesting that the CFPB require Affirm to : XXXX. Immediately update all affected accounts to reflect paid-in-full status XXXX. Correct any internal or external reporting related to these accounts XXXX Review and restore my account standing and purchasing eligibility XXXX. Provide written confirmation that the matter has been fully resolved I have attached all supporting documentation, including proof of payment and settlement confirmation. 

Thank you for your assistance in addressing this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation