vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I am pursuing XXXX XXXX XXXX XXXX and have XXXX Loans serviced by MOHELA. My account shows qualifying XXXX payments through XXXX 2024. From XX/XX/XXXX through XX/XX/XXXX, my account was placed into forbearance and these months are now marked ineligible forbearance on due date. I did not request a forbearance during this time. This period corresponds with my transition to the XXXX repayment plan and appears to be administrative forbearance while my account was being processed. Because this forbearance was not voluntary, these months are being incorrectly excluded from XXXX qualifying payment counts. I have contacted MOHELA to request a review, but the months remain uncounted. These missing months are affecting my expected XXXX eligibility date of XXXX 2026.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: NVR INC.
State: MD

Complaint narrative:
I am filing a formal XXXX complaint against NVR XXXX XXXX regarding a closing that occurred on XX/XX/year>, for the property located at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. At settlement, NVR XXXX XXXX improperly charged me, the buyer, for the seller 's pre-closing liabilities. Specifically, I was charged the full {$650.00} for the XXXX XXXX XXXX XXXX assessment. Because I closed on XX/XX/XXXX, I only owned the property for XXXX ( XXXX ) days of the XXXX calendar year. The seller, NVR, owned the property for the previous XXXX days. NVR XXXX XXXX utilized my buyer funds to pay the seller 's XXXX debt obligation to XXXX, XXXX. When I requested a proration correction and a refund of the {$650.00} overcharge, the title agent formally denied the request, stating they are not required to prorate this specific assessment. Utilizing buyer funds to clear a seller 's liability without explicit assumption is a violation of XXXX settlement disclosure and proration standards. I am requesting a full audit of this charge and a refund of the {$650.00} overcharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
I entered into a solar installation agreement with XXXX XXXX in XXXX, financed through Mosaic. During installation, faulty electrical work caused a fire in my home on XX/XX/XXXX. The system was never completed, never operational, and has never produced electricity. Despite this, Mosaic/Solar Servicing marked the system as operational on XX/XX/XXXX without ever inspecting my property, obtaining my consent, or confirming the system was safe or functional. I was also promised New York State solar incentives and tax credits that were never received because the system was never operational. I paid approximately {$10000.00} for electrical upgrades and roofing work that were defective and incomplete. The roof installation contained gaps and improper nailing, and electrical work repeatedly caused circuit failures prior to the fire. After the fire, my insurance company, XXXX, opened a claim and is pursuing recovery against XXXX XXXX. Despite all of this, I am still being billed and reported to credit bureaus for a loan tied to a system that : was never completed was never operational caused a fire in my home I have disputed this debt, yet the company continues reporting nonpayment, which is negatively impacting my credit every month. I have also been denied access to my loan account, preventing me from reviewing or managing the account. The companies involved continue to pass responsibility between each other while allowing ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Validation of Debt Request - NAVY FEDERAL CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other ins trument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Klarna AB

Complaint narrative:
I placed an online order through XXXX XXXX XXXX online using the Klarna option on XXXX XXXX. That order was set up to charge through XXXX XXXX XXXX for {$54.00} ish dollars a month. Well on XX/XX/XXXX, XXXX XXXX charged my card again for the same order that was placed on XXXX XXXX for the amount of {$370.00} and some change. I only ever received one XXXX XXXX XXXX order and i'm paying it monthly but now I'm also paying that same order bi weekly. There is no information or no tracking number or anything at all showing a second order was ever placed or ever shipped!!! Why would I place an order for the exact same products ... nobody on either side will actually look into this and hellp me. I can not afford to be out almost {$400.00}. I have paid XXXX biweekly payments now in the amount of over {$280.00}. Now they want another {$94.00} payment for an order I did not receive!!! I am crying as I type this as it is so unjust. If the company can not use Klarna properly and are able to double charge a person through XXXX different methods ( XXXX XXXX XXXX and XXXX XXXX XXXX ). Please please please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/year>, I spent over {$12000.00} in XXXX tickets. My flight was cancelled any my flight fair was refunded to Capital One. I pay my card bills on time for the last 6 years. The XXXX tickets were refunded to me and I found out about it on XXXX-yesterday. I called up Capital One credit card and asked for my full amount back. They said since I made a purchase over the weekend they could not refund me and they would only refund me the balance of a little over {$4000.00}, I want my money back and I will pay them when my monthly bill is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing this complaint against LVNV Funding LLC regarding a collection account identified by the last XXXX digits XXXX, which appears on my XXXX credit report. I have disputed this account with XXXX on multiple occasions, without obtaining an effective correction or removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Credit Cards were opened in my name as Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/26, I signed up for an XXXX credit card partnered with Comenity Bank and used it to make a purchase of {$54.00}, as shown in the attached photo. I was assured that this credit card could be paid off conveniently through my account on XXXX 's website. After seeing that the company had failed to post the transaction, I called the credit card service the same day and they assured me that the transaction would be posted within XXXX hours. Since this did not occur, I called the next day, and they contradicted this information by saying purchases may take up to XXXX hours to be posted. XXXX days later, the transaction has still not been posted. As shown in the attached photo, XXXX has clearly and conspicuously claimed that purchases will take at most XXXX hours to be posted. I have attempted to pay this bill over the phone during calls on XX/XX/year> and XX/XX/year> and the agent told me that this was not possible due to XXXX 's failure to post the transaction, and that they refused to take payment in advance. XXXX has now claimed as of XX/XX/year> that XXXX is not responsible for any errors with the credit card service and that in the event an error occurs, one must come into the store to pay off the credit card ( which is not only highly inconvenient but also contradictory to the information provided on recorded lines and on the website ). This is not the first time I've had serious payment issues with XXXX due to poor website design and overall sloppiness ; in XXXX, XXXX generated an erroneous transaction for around {$150.00}, causing my credit card to get flagged for fraud and canceled. As the company has repeatedly refused to take payment over the phone, it would be reasonable to dismiss the charge entirely, given the hassle and misleading business practices. There is also no indication when this charge will be posted, drastically increasing the likelihood of the charge going unnoticed when it is finally posted. In the event that the transaction does get posted, I will pay it off promptly. Nonetheless, XXXX 's behavior merits investigation and any appropriate formal sanctions to ensure that the company takes its legal and ethical obligations seriously, and puts proper resources into website design and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NY

Complaint narrative:
I was locked out my teen account, my sponsor has been trying to regain access to my account, due to information being changed on my account Cash App has mad it hard to regain access, they closed the account and has held my money XXXX for XXXX months

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: CA

Complaint narrative:
I was called on the phone by somebody pretending to be Wells Fargo claiming that there was fraudulent activity on my account. I was sent a verification code, and when I provided it, they immediately took a {$1200.00} XXXX XXXX from my credit card, and used XXXX to transfer {$1000.00} outside the financial institution ( the funds went to a XXXX XXXX that formerly existed outside my apartment building ). I called the fraud line and reported this unauthorized activity, and they flagged it for investigation. They initially waived the fee and the balance of the cash advance, but after a week, they reappeared. When the funds reappeared on my account, I called to ask what happened, and the bank told me that they completed their investigation and concluded that the XXXX XXXX was authorized, and also told me the were unable to acquire the funds via XXXX from the other financial institution. This is not true, I did not authorize this cash advance, and XXXX phone representative told me that they were able to verify that my account had been accessed fraudulently, which has made me incredibly confused : how could they confirm that my account was accessed fraudulently, but not that the cash advance was fraudulent. Shouldn't they be able to see the XXXX address that the requests were made from?

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 2026-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On or about XX/XX/year>, a lease was approved using income information that I did not provide or verify. The income listed is materially inaccurate and does not match my actual earnings, as shown by my check stubs. I was not provided a copy of the credit application at the time of signing, and I later discovered the inflated income after reviewing documents. I have requested copies of the credit application, proof of income used, and deal documents, but have not received full transparency. This lease approval was based on inaccurate financial information, resulting in an obligation that would not have been approved under my true income. I am requesting a full investigation into how this information was entered and used, and appropriate correction or resolution of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Subject : Formal Dispute of Late Payment Reporting To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute a late payment that has been reported on my credit file in connection with my credit card account. The reported late payment is inaccurate and does not reflect the true circumstances surrounding my account. This issue arose as a direct result of my personal bank account being closed, which prevented me from making my scheduled payment. This was an unforeseen situation beyond my control, and I did not willfully neglect my financial obligation. Once I became aware of the issue, I acted immediately to resolve the balance and bring my account current. I have otherwise maintained a responsible payment history and take my credit obligations very seriously. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation of this matter. If the information can not be properly verified as accurate and complete, I respectfully request that the late payment be removed from my credit report. Additionally, I request that you consider this situation for a goodwill adjustment, as this isolated incident does not reflect my overall credit behavior. Please provide me with written confirmation of the results of your investigation. If you require any further documentation, I am willing to provide it promptly. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recently discovered that Bank of America has been charging me a monthly fee of {$8.00} for the past XXXX years due to my savings account balance falling below {$500.00}. During this same period, I consistently maintained an average balance of approximately {$10000.00} in my checking account with the bank. I find it unacceptable that I was not properly informed of the minimum balance requirement necessary to avoid these charges. As a customer of more than 20 years, I expect a higher standard of transparency and communication regarding account terms and fees. Upon contacting the bank, I was advised that only the fees from the past XXXX months, totaling {$24.00}, could be waived. Given the circumstances and the duration of these charges, I find this resolution inadequate. I respectfully request a full review of these fees and appropriate reimbursement.

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 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
My PayPal account was limited yesterday, and I was asked to review my account and submit certain information for verification. I promptly completed and submitted all requested information as instructed, and my account was placed under review. However, the very next day, I received a notification that my account had been permanently deactivated. This decision was made without any further communication, explanation, or opportunity for me to respond after submitting the requested information. I made every effort to comply with PayPals request and provided the necessary details in good faith. Because of this, I am concerned that my information may not have been fully reviewed before the permanent limitation was applied. When I contacted customer support, I was only told that the decision is final and could not be reversed, without any specific explanation of what led to this outcome. This situation is frustrating because I was actively cooperating and trying to resolve the issue. I am willing to provide any additional documentation or clarification if needed. I am requesting a detailed explanation of the reason for this action, a thorough review of my account by a higher-level team, and reconsideration of the limitation if it was applied prematurely or in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
My savings account was blocked/frozen on XX/XX/XXXX. At the time, I was told the issue would be resolved within XXXX days. It has now been approximately XXXX months with no resolution. When I called today ( XX/XX/XXXX ), the representative told me there is no specific timeframe for when my account will be unblocked. I have made multiple attempts to resolve this issue directly with the bank through several claims, but have received no clear explanation or timeline for resolution. I am unable to access my funds and am requesting immediate 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