vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I submitted a previous complaint that MOHELA owes me roughly {$220.00} due to improper withdrawal notice. 

My previous case was closed due to a misleading response from MOHELA. 

MOHELA is incorrectly framing my complaint as a dispute over a voluntary paid ahead payment. 

My refund request is based on MOHELAs failure to provide proper notice of a withdrawal, which MOHELA admitted in writing on XX/XX/year> ( attached ). 

After this admission, MOHELA representatives repeatedly confirmed by phone that I was eligible for a refund and that the refund was being processed. For nearly two years, I relied on these representations.

Only recently did MOHELA reverse its position and state that the payment is not refundable because it was classified as a paid ahead payment. This retroactive justification contradicts MOHELAs earlier written admission of error and its repeated assurances that a refund was due.

Paid-ahead status does not cure a servicing error or inadequate notice of withdrawal. Had MOHELA provided proper notice, I would not have made the payment. 

MOHELAs prolonged delay and reversal of position constitute misleading and unfair servicing practices. 

I respectfully request the ~ {$220.00} that is owed to me, further review of MOHELAs servicing conduct, and assistance in obtaining a refund of the improperly retained funds.

Moreover, I am very concerned that similar servicing errors may have affected other borrowers whose accounts were migrated during MOHELAs system transition just like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit report and I found that a fraudulent collection is still on my Transunion report. I have disputed it with the other credit bureaus and there were taken off for fraud. This is hurting my chances of getting approved by another tenant. I need this removed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX called capital one about both credit cards because I became medicaly incapsitated on XX/XX/XXXX Looking for help because im being charge a XXXX and a XXXX fee on both card same date ON TOP OF INTREST THIS IS VERY PREDITORY! ON THIS DATE I SET A PLAN ON ONE CARD XXXX FOR XXXX A MONTH FOR THREE MONTHS SO THEY READ A 15 MINUTE DISCLOSURE,, I ASK FOR ON PAPER, I paid XXXX insted of XXXX as agreed and Next day im given another XXXX dollar fee! This isnt help its wrong preditory false misleading and very deceptive practice! YOU CANT GET WATER FROM A ROCK! MEDICAL HARDSHIP!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
REQUEST FOR REINVESTIGATION on the following account appearing on my consumer report. I am disputing the accuracy, validity, and completeness of these items. I request that you provide a detailed explanation of how you verified each disputed account and the name and contact information of the party that verified them. 

APPLE CARD - GS BANK ( Original Creditor : GOLDMAN SACHS BANK USAGOLDMAN ) XXXX DATE OPENED XXXXXX/XX/year> I dispute the accuracy of the balance and charge-off status. Provide full verification of the reported amount and dates

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing this complaint regarding a canceled order that remains financially active under an XXXX  payment plan despite no goods being received and the merchant refusing a refund. 

On I placed an order with XXXX using XXXX  as the payment method ( Order # XXXX ). The order was subsequently canceled, and I never received the merchandise. Despite this, XXXX has refused to issue a refund. I have written documentation confirming their refusal. 

I contacted XXXX to request cancellation of the payment plan and refund of any payments made. XXXX acknowledged my complaint ( Case # XXXX ) but stated that they can not issue a refund because the merchant controls cancellations and refunds. However, the merchant has explicitly refused to refund, leaving me financially responsible for a canceled transaction where no goods were delivered. 

XXXX has extended payment due dates but has not confirmed cancellation of the payment plan. Payments remain active despite : The order being canceled No product being received The merchant refusing refund This places me in a position where I am being required to pay for merchandise that was never delivered. 

Under consumer protection standards and fair billing practices, I believe I should not be held liable for a canceled transaction where no goods were received. 

I am requesting that : 1. The XXXX payment plan be canceled immediately. 
2. Any payments already made be refunded.

3. The account be adjusted to reflect {$0.00} owed for this transaction. 

I have retained screenshots and documentation of all communications with both XXXX and XXXX and can provide them upon request. 

Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I would like to report Bank of America for predatory lending practices. I have a balance transfer card opened with them. However, their online portal for making payments is designed in a way to prey on the consumer for late payment fees and mismanagement of credit. They only offer XXXX options for payments. Total Minimum Payment Due and Statement Balance. These options do not fit for a balance transfer card. As people who transfer balances, are not going to pay off the statement balance in XXXX payment. Thus the remaining option of a minimum payment due is only in the benefit of Bank of America as consumer will repay the balances slower, as they will not always be on top of making additional XXXX time payments. If consumers opt out of the autopay option for the minimum amount due, and opt for XXXX time payments each month they are in a higher risk for late payments and fees to be tacked on top. Every other credit/lender company out there allows for consumers to create a custom amount for Autopay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: AR

Complaint narrative:
XXXX at XXXX allegedly sold debt to a debt collector i requested debt Validation including purchase agreement, debt consignment, and proof debt collector has legal rights to collect debt, a copy of the original lease from the apartment complex was sent in return with no proof the debt collector purchased the debt or has any legal right to claim debt. 

It is listed under rent automated debt collections llc on my credit report But in the letter they sent they list themselves and the appartment complex with no clear claim as to who the debt is owed to and no paperwork proving they purchased the debt or have a legal right to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: Block, Inc.
State: GA

Complaint narrative:
I had an account that the password became compromised, due to the high balance, I decided to close that account and open another one, in hopes to protect my funds. However, I was not able to transfer these funds from my previous account XXXX XXXXXXXX to the newly created on XXXX XXXXXXXX. I have spent countless days and hours with no resolution. 
No one responds to anything. I can not access the funds in the old account, nor can I get a refund. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERIS BANCORP
State: CA

Complaint narrative:
There are XXXX issues I would like to address XXXX ) Non - compliance fees associated with me providing proof of vehicle insurance before XX/XX/year>. 

Proof of insurance was provided to XXXX XXXX XXXX  Ameris Bank XXXX XXXX on XX/XX/year> through their customer service portal. I did not receive a response. I have been charged {$260.00}. I would like the charge removed. Please see the attached emails with me explaining to them how I submitted the document and asking for removal of the {$260.00}. 

XXXX ) XXXX XXXX Ameris Bank XXXX XXXX not following XXXX instructions for obtaining the vehicle title and the monthly non-compliance fees charged to my account because they do not yet have the title. They are under the impression that I am to obtain the title for them which is against XXXX rules. 

Please see XXXX sets of emails in regard to XXXX XXXX Ameris Bank XXXX XXXX obtaining the title. This is a bit confusing because the XXXX made an error ; XXXX number in the zip code was incorrect. However, this is not related to the specific instructions the XXXX has given for XXXX to request the title. 

The first set of emails are also confusing. I am being instructed to contact the vendor as they were set up to process the title transfer/registration. 

Also to add, I registered the vehicle on time, within 5 days of purchase. Please see the attached original registration and the registration the XXXX had to cancel due to needing to make the zip code corrections. Note : I can not receive the new registration until XXXX completes the XXXX title process. My temporary operating permit expires in XXXX. 

XXXX XXXX XXXX XXXX XXXX  Ameris Bank XXXX XXXX not crediting my payments on time. 

I had to remove the ACH option from my bank account due to the charges from XXXX XXXX XXXX Ameris Bank XXXX XXXX. This caused XXXX payment to be late. I had to mail both XX/XX/year> and XX/XX/year> payments ( cashiers checks ) to their remittance address. According to XXXX tracking, they received both payments XX/XX/year>. It is now XX/XX/year> and billing is still showing them as not processed. I informed Balboa Capital XXXX Ameris Bank XXXX XXXX that I will enable the ACH as soon as these issues are resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I am receiving repeated messages from a company regarding an alleged loan that I do not recognize. I have never knowingly applied for, authorized, or entered into any agreement with this organization. 

I would like them to provide written documentation that demonstrates my approval of this loan, including a copy of any signed agreement or contract bearing my signature. 

If they are unable to provide such documentation, they must immediately cease all collection efforts and delete this claim from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Central Holdings, LLC
State: GA

Complaint narrative:
An account is being reported on my credit report that is obsolete and beyond the maximum report impaired allowed under the fair credit reporting at the date of first delinquency is more than XXXX years ago yet this negative account continues to appear on my credit report. Under the FCRA, negative accounts may only be reported for seven year +180 days from the original date of delinquency. This continue reporting is in accurate and unlawful. It has caused harm to me, including denial of housing. I am requesting immediate removal of this obsolete account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
This is involving case XXXX. This relates to my dispute. I never used the card. I can even prove I didnt use it. I appealed it several times and all times they denied it. I just simply want back what is mine and if I dont then I will seek legal help and Ill come after more than what my dispute is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX I was scammed by a person impersonating a bank official of State Employee Credit Union. The person called my phone from XXXX. The stated that an authorized amount was attempting to be withdrawn from my checking account. The person attempted to walk me through steps to replicate the transactions that they said was fraudulent by navigate me to XXXX XXXX. I told the caller I would call them back and processed to call the bank State Employee Credit Union to confirm if they were the ones that contacted me. On XX/XX/XXXX I accessed my XXXX XXXX XXXX XXXX online account and realized that a {$3000.00} loan was re-opened in my name and {$600.00} advance from my home equity loan was transferred to my checking, in which was tracked to my cashapp, and withdrawn to a pathway debt card ending in XXXX. I contacted State Employee Credit Union, they put my checking into a no withdrawn status.On the following Monday XXXX in person I went into the XXXX branch of State Employee Credit Union, open a dispute for the transactions of {$1300.00} and {$500.00} and {$1500.00} that was transferred to the XXXX XXXX XXXX XXXXXXXX. I open a dispute with XXXX XXXX  for the {$1500.00} and {$1300.00} that was withdrawn to pathway debt card ending in XXXX. I also contacted my local police XXXXXXXX XXXX for a fraud case to be investigated. XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding my extremely poor experience with New American Funding during the purchase of my first home.I was pre-approved and guaranteed closing on XX/XX/year> with my offer contract for a mortgage, and my government bonus income was reviewed, accepted, and counted as qualifying taxable income. Later in the process, NAF suddenly reversed this decision and stated they would no longer accept my bonus income, even though it is documented and taxable. This caused major delays.I was then informed I would need to increase my down payment to {$200000.00} in order to proceed. I agreed so my loan could move forward. After agreeing, I experienced days with no communication. my closing got pushed to XXXX XXXX Because of National American Fundings delays, I missed a scheduled closing.I contacted management three times requesting a call back and never received a response. Throughout the process, National American Funding repeatedly waited until late in the day ( around XXXX XXXX XXXX XXXX ) to communicate urgent issues, leaving little or no time to resolve them before business hours ended.I was told I had clear to close for XXXX XXXX, but National American Funding failed to provide final closing numbers to my title company until after XXXXXXXX XXXX the night before closing, leaving me unaware of how much money to wire. The title company staff had to work off-hours to obtain the numbers.On XX/XX/XXXX, I wired all required funds and appeared ready to close. Around XXXX XXXX, National American Funding claimed there was another problem and failed to send their portion of the loan. I called at least 10 times, all calls went to voicemail with no return calls. I also contacted corporate at least 10 times with no resolution.Currently, the title company is holding all of my money, but I do not have the keys to my home.My realtor and I received rude and unprofessional text messages from XXXX XXXX. I have repeatedly requested to speak with management about his conduct and the mishandling of my loan, but no one has contacted me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I discovered a debt listed under Credit One Bank that I do not recognize or agree with. The account shows a balance of {$980.00}, with 0 % paid, and was last updated on XX/XX/XXXX. The account was reportedly opened on XX/XX/XXXX, which I did not authorize. The account type is listed as XXXX XXXX, indicating this balance may have been sold or transferred without my consent or proper validation. 
I did not open this account, authorize charges, or receive proper notice or validation of this debt. As of today, the balance remains {$980.00}, and no resolution has been provided. 
I am requesting that this account be investigated, validated, and removed if it can not be proven accurate, and that any related negative credit reporting be corrected. I also request written confirmation of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TX

Complaint narrative:
Collection Account Reporting Without Proper Validation I am filing this complaint regarding a collection account reported by 1st Credit Service. 

Account ending : XXXX XXXX XXXX XXXX XXXX Balance reported : {$510.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Collection/Chargeoff This account is being reported as a collection ; however : -I have not received proper validation. 
-The reporting appears to be ongoing with recent updates. 
-No documentation has been provided proving legal assignment of this debt. 

Under the FDCPA and FCRA, a debt collector must provide verification upon request and ensure maximum possible accuracy in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX  XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: NH

Complaint narrative:
dispute # XXXX this dispute was opened on XX/XX/2026 and everything was outlined as clear as possible. I am pasting my summary again here : I had purchased multiple items and they were all part of XXXX shipments. I had ordered XXXX XXXX body washes that was supposed to be shipment XXXX and then XXXX XXXX cleaning liquid, XXXX XXXX kids shampoo, XXXX boxes of XXXX wipes ( XXXX ct ) and XXXX XXXX face wash that was supposed to be shipment XXXX. The proof of delivery photo for both the shipments is not even my house and when I reached out to XXXX they refunded me partially for shipment XXXX - XXXX boxes of XXXX wipes, XXXX XXXX liquid and XXXX XXXX shampoo and not for the XXXX XXXX face wash that makes no sense. If you admit that the shipment was missing you are supposed to give me a full refund and not just partial. For shipment XXXX - XXXX XXXX body washes that proof of delivery is not my house either so I need that refunded as well. I need the rest of the money coming back. I got back {$78.00} but still missing {$40.00} Then I received an email that I need to call wells fargo and i did and answered everything over the phone to the XXXX XXXX that was needed and I was told everything was all set and the claim would progress but I still see its stuck in the " call us '' status which is ridiculous

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