vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I have a loan with Tower Loan located in XXXX XXXX XXXX I was behind on my loan because I have to miss work a lot due to XXXX XXXX. So on Tuesday XX/XX/XXXX I called and spoke with XXXX XXXXXXXX to make a payment of {$150.00} on my account and she stated that I needed to come by and pay I couldnt do it over the phone so I let her know I would try to come by the next or day and pay it. When I got home I had another check from Tower Loan in my mailbox so I deposited it in my account I was going to use it to catch up on the other loan but I had to wait a week before it actually settled in my account. On Friday XX/XX/XXXX XXXX  XXXX called my husband who is only a reference on my account and told him I was behind on my loan and that I had cashed another check and aint paid the one I got and if it was her she wouldnt have gave me anything and that I tried to call and pay something over the phone but she wasnt about to take that I was gon na come in. I paid a loan off with the recently XXXX  constantly was calling me to come in and renew my loan I didnt have a good pay history then because I have to miss work a lot. She violated my privacy rights and after I confronted her about it she has now had court papers delivered to my house.

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 2026-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because there are collection accounts on my credit report that do not belong to me. I check my credit regularly, and these accounts showed up without my knowledge or permission. I never authorized this, and I am extremely frustrated that this inaccurate information is being reported under my name.

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 2026-02-20 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: VA

Complaint narrative:
On or about XXXX XXXX, I called Citi to cancel my XXXX XXXX XXXX Credit Card last XXXX XXXX in order to avoid the renewal fees to be applied in XXXX as I was no longer traveling due to retirement. They instead downgraded me to a no fee XXXX XXXX card with last XXXX XXXX. I still had a credit balance with the original card to a reversal from a transaction. In today 's bill on the new account, I am charged {$770.00} in renewal fees for a card that is no longer active. When I called to challenge the fee, they admitted that the fee should not have been charged as I had cancelled within the proper time frame but told me that it would take 57 days to reverse the charge. The bill is due XXXX XXXX before the end of that time frame. If I fail to pay for the erroneous charge, even if later reversed, I will be charged interest on the unpaid balance until they decide to get around to reversing the charge they incorrectly assessed. I know if I place a charge on the account it will hit within hours, why it takes months to reverse is unacceptable. 

I have a case ID with CITI of XXXX I do not believe I should have to pay for their incompetence.

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 2026-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mnet Financial Inc
State: NC

Complaint narrative:
I will be taki.g them into small claims court if this continues I was assured by the Hospital that the debt was forgiven and they stated that the doctor at the time was under their umbrella those were the terms they used and what they said to me.

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 2026-02-20 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XX/XX/year>, we were informed our current insurance carrier, through my husband 's second job, was changing Networks in XXXX weeks. Due to the fact that we had XXXX, XXXX, and appointments already scheduled with our Network providers we needed to find a new insurance carrier immediately that was in Network. XXXX XXXX is the Broker who we trusted to enroll us into XXXX XXXX Ohio effective XX/XX/year>. He explained that our membership cards and plan would be under XXXX XXXX XXXX and all of our XXXX physicians, specialist, etc would be covered. In XX/XX/year>, medical bills started coming in showing our insurance paying {$1.00} of an office visit or {$1.00} pre-op visit, otherwise covering nothing over the last XXXX XXXX months. We also received an XXXX XXXX XXXX letter around this time. I was confused so I called, and the associate informed me that my husband XXXX was enrolled and open enrollment was coming up in XXXX. I asked her how much XXXX cost a month and she said it's a state funded insurance so there are no premiums. I told her that we are paying {$880.00} a month for insurance and she said that it wasn't going to XXXX. When I pulled up our Chase Bank Sapphire account, I saw XXXX XXXX, NJ, every month, {$880.00}. Not XXXX, not XXXX, not even XXXX XXXX XXXX. I called Chase Bank and they sent me to Fraud. Chase initially refunded {$6200.00} stating it was up for review. A few weeks later they reversed the refund returning {$3500.00} to XXXX XXXX. We were outraged. XXXX XXXX enrolled my husband in XXXX, we don't financially qualify, didn't enroll me in anything, then charged us a full monthly premium that went through XXXX XXXX of New Jersey. We begged Chase Bank to return our money that was stolen. All they said was " Prove it ''. We sent them proof of XXXX {$0.00} premium statements, yet still nothing. Filed with DOI, FTC, XXXX and finally with XXXXXXXX XXXX XXXX XXXX got involved and interviewed XXXX XXXX regarding his Broker fraud and our claim substantiated. This is our final proof. 
We are so disappointed with the treatment we've received from Chase Bank regarding this issue. Forcing us to PROVE there was some kind of fraud has taken incredible amount of time, resources and has caused immense XXXX. We have offered reliable proof on multiple occasions only to be dismissed, ignored. It's unacceptable behavior on the part of a massive financial institution to treat any of their customers, especially the customers who have already been victimized, taken advantage of during a time of great stress. All we've been asking for is our money back. Honestly, the time and emotional stress this challenge of " Prove It '' Chase Bank has put us through far exceeds that {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a new credit card account with Citi Bank in late XXXX. I wanted to take advantage of their generous, no-interest for 21 months balance transfer offer and filled out the application accordingly. I was approved for a card and the balance transfer from my current credit card happened in XX/XX/XXXX. 

It is currently late XX/XX/XXXX and I have yet to receive my credit card in the mail from Citi. It is impossible to establish an online account to manage your account without the physical credit card, so I have been unable to log into the online system. 

I have had XXXX replacement credit cards mailed to me in this time period. The first and second cards never arrived, meaning I had to call Citi to inquire about sending another replacement card in the mail. This apparently triggered a fraud warning on my account, for which Citi said I needed to complete additional security verification. 

The representative from Citi said they would reach out to my phone number to provide a code for account verification. Of course, I was actively on the phone with them at the time. The verification call never came through. Citi asked if I had an alternate phone number or landline they could call. I do not have an additional phone number. They informed me that they'd have to send me a letter in the mail to complete additional security verification before I could talk to anyone about my second missing card. 

I waited another week and a half for the letter to arrive. When I called Citi again after the letter arrived, I provided the reference number and arranged for a third replacement card mailed to me after Citi said I could not arrange to pick up the card from one of their branch locations. I am currently still waiting for this card to arrive. 

My latest problem is that Citi has now started calling me to inform me of a " past due '' balance on my account. I have received no bills in the mail or in my email for this balance, and I remain unable to open/access my online account because I still have never received the card in the mail. 

I called Citi on XX/XX/XXXX to inform them of my inability to pay this alleged balance because of the lack of an online account. Once again, they tried to complete security verification using my phone number and once again, it did not go through. Citi refuses to talk to me about my account until I complete another verification through the mail, by which point I will have accrued even more late fees for a due date that I was never made aware of and have no way of paying.

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 non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Idaho Housing And Finance Association
State: ID

Complaint narrative:
HomeLoanServ has refused on several occasions to provide me with monthly mortgage statements us code 1026.41 clearly states they are required to provide them. I ask clearly again sighted the code and they again refused. So I'm submitting this complaint that they are in violation of federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, I was assessed a {$34.00} Chargeable Items Fee on my account. On XX/XX/XXXX, I contacted First Horizon to request an explanation of what this fee was for. The representative was unable to explain the charge and stated that someone would call me back. I did not receive a call. On XX/XX/XXXX, I contacted the bank again and was told the fee was related to excessive ATM withdrawals. I informed the representative that I had not made any ATM withdrawals that would justify such a charge. I was again told someone would follow up with me, but no one did. 

On XX/XX/XXXX, I received an email stating that the bank could not discuss the matter due to security reasons. I called the bank that same afternoon and requested that they identify where this fee is disclosed in the account agreement or published fee schedule. The representatives were unable to cite any specific disclosure. I was again told the charge related to withdrawals, which I disputed, and the bank declined to refund the {$34.00} fee. 

Additionally, I have screenshots from First Horizons published fee schedule showing that under the Other Fees & Services section, Digital Banking No charge and Bill Pay Online No charge are clearly stated. Based on the banks own published disclosures, there is no clearly disclosed fee for standard online banking or bill pay transactions. Despite this, I was assessed the {$34.00} Chargeable Items Fee without the bank being able to identify a specific contractual or fee schedule provision authorizing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing this complaint regarding a serious issue involving XXXX  XXXX  and Wells Fargo related to the transition of my XXXX credit card account. 

I previously held a XXXX credit card account. Without applying for a new card, my account was transferred to Wells Fargo, and a Wells Fargo credit card was automatically issued to me. 

Before the transition, I made a {$5000.00} payment through the XXXX XXXX  toward my outstanding balance. After the transfer, Wells Fargos system still reflected the balance as unpaid. I was instructed to make the payment directly through Wells Fargo. Relying on that instruction, I made another {$5000.00} payment. 

As a result, {$5000.00} was deducted twice from my bank account. 

This has left me with a negative {$5000.00} balance on a credit card account that I did not apply for and do not use. My funds have been improperly held for over XXXX weeks. 

Since discovering the issue, I have repeatedly contacted both Wells Fargo and XXXX. I have received inconsistent and contradictory responses : I was initially told the refund would be transferred back to my account I was later told Wells Fargo has nothing to do with it and to contact XXXX XXXX informed me they no longer have access to the accounts and transferred me back I was then told a paper check would be mailed because the amount is too large when last week they said it will reflect in my bank account This circular process has caused unnecessary stress and financial inconvenience. A substantial sum of my money has been tied up through no fault of my own. The lack of coordination, accountability, and clear resolution between these institutions is unacceptable. 

I am requesting the following : Immediate refund of the duplicated {$5000.00} payment Written confirmation of the refund timeline Clarification of how such duplicate payment processing was allowed during the account transition and why my funds are being held in a card I never wanted Consumers should not be subjected to administrative confusion that results in XXXX  of dollars being withheld without justification. I expect prompt resolution. 

Sincerely, 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 2026-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was victim of a scam where I mistakenly transferred $ XXXX to an account. It was an XXXX refund scam where I allowed access to my computer to receive a wire transfer of {$21.00} from them. I had to type in the amount which I did, but they showed my account with Wells Fargo logo, etc, that showed I deposited {$21000.00}. He said he'd lose his job and I said I would make it right. He said I needed to do in with XXXX and XXXX increments. As soon as I sent the XXXX, I shut everything down and called my bank. The charge was still pending and started a case with their fraud department. 

Since then, I received a letter on XX/XX/XXXX from them saying it was denied. Wanted to do everything I could to try and get it back, which is why I contacted you.

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 2026-02-20 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: MI

Complaint narrative:
Subject : Violation of EFTA & Regulation E Unauthorized {$420.00} Transaction via XXXX I am filing this complaint against XXXX  for failing to comply with the Electronic Fund Transfer Act ( XXXX ) and Regulation E regarding an unauthorized debit card transaction totaling approximately {$420.00}. 
Facts of the Case : On or about [ Insert Date ], while watching a XXXX video, I clicked on an advertisement that redirected me to a website falsely claiming I had won XXXX XXXX  and needed to withdraw the funds to my debit card. Believing it was legitimate, I entered my XXXX  debit card details in an attempt to withdraw the funds. 
Shortly thereafter, I realized the website was fraudulent. However, within a few hours, an unauthorized cryptocurrency purchase of approximately {$420.00} was processed through XXXX using my XXXX  debit card. 
I do NOT have a XXXX account, nor has anyone in my household ever opened or authorized a XXXX account. I did not authorize this transaction in any way. 
Key Points : My debit card information was compromised through a scam website. 
The {$420.00} XXXX XXXX purchase was unauthorized. 
I received no goods or services. 
I do not own or control any XXXX account. 
This was clearly fraud. 
I immediately contacted XXXX  to report the unauthorized transaction. However, XXXX  denied my dispute without properly applying the protections required under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005 ). 
Under federal law, consumers are not liable for unauthorized electronic fund transfers when reported promptly. I fulfilled my obligation by notifying XXXX  immediately after discovering the fraud. 
XXXX denial of my claim constitutes a failure to conduct a reasonable investigation as required by law. 
Resolution Requested : Immediate reimbursement of the unauthorized {$420.00} transaction. 
Written explanation of XXXX investigation process. 
Confirmation that my debit card liability is limited under Regulation E.

Assurance that my account will not be penalized for reporting fraud. 
I respectfully request CFPB to investigate XXXX handling of this matter and enforce compliance with federal consumer protection laws. 

XXXX  XXXX : XXXX XXXX  XXXX : XXXX XXXX  XXXX XXXX  debit card : XXXX XXXX XXXX XXXXXXXX Note ( I do not have XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I am filing a complaint regarding a mortgage servicing error that is preventing me from accessing my loan account. 

My mortgage originated with XXXX  XXXX  and was subsequently transferred to Select Portfolio Servicing and then to Rushmore Servicing. 

At some point during these servicing transfers, my Social Security number was removed or not properly associated with my loan in Rushmores system. As a result, I am unable to create an online account or access my mortgage information. In addition, they have made an error in my property address. 

I have made multiple phone calls and sent multiple emails to Rushmore Servicing requesting that they properly associate my Social Security number with my mortgage loan so I can access my account. Despite these repeated attempts, the issue remains unresolved. 

This is a servicing error resulting from loan transfers and is entirely outside of my control. The inability to access my mortgage account online prevents me from properly monitoring my loan, reviewing statements, and managing payments. 

I am requesting that Rushmore Servicing : Correctly associate my Social Security number with my mortgage loan immediately. 
Confirm in writing that the correction has been made. 
Confirm that no reporting errors have occurred as a result of this internal data issue. 

I am also sending a formal Notice of Error under RESPA regarding this servicing failure. 

I request prompt correction of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: IL

Complaint narrative:
I am writing to file a formal complaint against MOHELA regarding their handling of my federal student loan payments. I have made multiple attempts to work with MOHELA to lower my monthly payment due to financial hardship, but I have experienced repeated issues that have prevented me from receiving the assistance I need. 

A MOHELA representative contacted me to offer a reduced monthly payment of {$26.00}. However, shortly thereafter, I received a bill stating that my payment was over {$500.00} per month. This sudden and unexplained change caused significant confusion and financial distress. 

When I attempted to call MOHELA to resolve the issue and request hardship assistance, I encountered extremely long hold timesso long that I was often unable to reach anyone despite calling multiple times. The only way to attempt contact is by taking time off work, which is not feasible. When I do reach someone, I am told that no deferment or hardship options are available, which contradicts information published by both MOHELA and the Department of Education. 

I am requesting the CFPBs assistance to ensure that MOHELA : Reviews and corrects my monthly payment amount. 
Provides accurate information about available income-driven repayment or hardship options. 
Improves accessibility for borrowers who need to contact them, especially regarding extended hold times. 
I appreciate your attention to this matter and look forward to your help in resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL 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 non-monetary relief