vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally express my frustration and concern regarding my ongoing efforts to obtain an escrow refund that is owed to me ( about {$4000.00} plus due to overpayment ) I am a XXXX with a 100 % service-connected XXXX, and my property is fully exempt from ad valorem property taxes. Despite this exemption, my mortgage servicer, XXXX XXXX XXXX XXXX collected property tax funds in error. I subsequently overpaid my escrow account and have been attempting to obtain a refund of this overpayment since XX/XX/year>. Over the past several months, I have contacted XXXX XXXX XXXX XXXX. Unfortunately, each call results in a different explanation, different next steps, or conflicting information. No one has been able to provide a consistent or definitive resolution, nor has the refund been processed. This lack of clarity and repeated delays have caused unnecessary stress and financial inconvenience. Given my veteran status and the clear documentation supporting my tax-exempt eligibility, this matter should have been resolved promptly. Instead, I continue to experience prolonged delays with no accountability or clear timeline for resolution. At this point, I am requesting immediate assistance and escalation to ensure the following actions are taken without further delay : Confirmation that my escrow account has been corrected Processing and issuance of the escrow overpayment refund Written confirmation explaining why this error occurred and why the refund has been delayed since XX/XX/year> I expect this matter to be addressed with the urgency it warrants. I am documenting all communications and, if necessary, will continue pursuing resolution through regulatory channels. Thank you for your attention. I look forward to your prompt response.

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 2026-03-30 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: Klarna AB
State: FL

Complaint narrative:
I used Klarna to make a purchase from XXXX. The total amount charged through Klarna was {$350.00} The item was never delivered to me. According to the shipping information from XXXX, the package never reached my address and remains undelivered. Because the item was not delivered, I filed a dispute with my bank XXXX XXXX XXXX XXXX ). After reviewing the claim, my bank determined the charge was validly disputed and credited the amount back to my account. Despite this, Klarna is now attempting to collect {$89.00} from me, claiming that the chargeback resulted in funds being returned to my account. Klarna has not provided any proof of delivery and has refused to remove the balance. I contacted Klarna multiple times and requested proof of delivery and clarification of the charge. Klarna failed to provide proof and stated they are a payment provider and that the issue is between them and the merchant. I am not responsible for paying for goods that were never delivered. If Klarna paid the merchant, that is an issue between Klarna and the merchant, not the consumer. I am requesting that Klarna immediately remove this balance from my account and correct any related account issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
I am a student loan borrower residing in XXXX North Carolina, an area severely impacted by XXXX XXXX ( FEMA-XXXX ). Under the provisions of the HEROES Act, I requested a Natural Disaster Administrative Forbearance to cover the period from XX/XX/XXXX through XX/XX/XXXX. My loan servicer, MOHELA, denied this request, stating they can only apply forbearance for a maximum of 120 days. This limitation directly contradicts federal guidance for disaster survivors, where relief is typically granted in 90-day increments and can be extended for up to 12 monthly billing cycles ( one year ) to match the recovery period recognized by the IRS and FEMA. Furthermore, MOHELA incorrectly informed me that this time would not count toward XXXX XXXX XXXX XXXX ( XXXX ) or Income-Driven Repayment ( XXXX ) forgiveness. Per Department of Education policy, disaster-related administrative forbearance months ARE qualifying months for these programs. By refusing to extend the forbearance and misrepresenting its impact on my forgiveness progress, MOHELA is creating a financial hardship and preventing me from receiving the federal disaster relief I am legally entitled to. XXXX, XX/XX/XXXX, XX/XX/XXXX - Contacted MOHELA to request XXXX XXXX disaster forbearance from XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX - MOHELA representative stated they have a 120-day limit on disaster relief and claimed these months would not count toward XXXX. Attempted to clarify that XXXX tax deadlines were extended to late XXXX, but the request for an equivalent loan extension was denied.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 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: TX

Complaint narrative:
I had Checks Stoden by a person that worked for me and she was writing and signing my wifes name and Cashing and depositing them at her bank at XXXX. She was a Trusted family member and concealed it wery well.We found out XX/XX/XXXX, we immediately notified the bank as soon as we found it and filled a fforgery and fraud claim.The Bank Fraud department denied the claim stating we did not report it in time ( Electronic Fund Transfer Act .We reported it the same day we found out, we also filled a Ploice report the same day. We could of not notice the forgery becouse she was a trusted family member and would of never throught she was capable of such a evle act. We found out the forgery has been going on forXX/XX/XXXXmonths starting back in XX/XX/XXXX This is not a simple delayed report -it is a forgery case Concealment and misuse of stoled checks. Note the Individual also confessed to forging the check to the some of {$100.00} dallors. We are requesting the bank to reopen the case under Forgery. Wells Fargo Claim # XXXX XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: NJ

Complaint narrative:
I opened an account on XX/XX/XXXX and was approved without issue. Shortly thereafter, I transferred {$2000.00} into the account. After the transfer, I was asked to verify my bank information. However, because my personal banking accounts are combined, I was not comfortable providing full banking details digitally when only XXXX specific account was relevant to the transaction. I was then informed that my bank needed to reverse the transfer. When I contacted my bank, they advised that your institution was responsible for reversing the transaction. This back-and-forth created unnecessary confusion and delay. This situation has now gone on for well over XXXX days since I closed the account, and I still do not have resolution or access to my {$2000.00}. It is unacceptable that my funds continue to be held without clear communication or action. Additionally, I have not received any response to my email sent on XX/XX/XXXX, which further reflects a lack of proper customer support and accountability. Based on publicly available reviews, it appears that I am not the only customer experiencing this type of issue. I sincerely wish I had done more research beforehand, as this entire experience has been extremely frustrating and disruptive. I am a small business owner just starting out, and these funds are critical to my operations. The continued delay in returning my money is not only inconvenient but is directly impacting my ability to move forward with my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing this complaint against PayPal for gross administrative negligence and a failure to uphold their XXXX XXXX policy regarding XXXX XXXX. Background : On XX/XX/XXXX, I made XXXX related payments for a shipment of goods : XXXX for {$460.00} and a supplementary payment of {$150.00}. Upon arrival, the items were found to be severely damaged and chemically contaminated inside factory-sealed packaging, emitting toxic fumes that caused physical eye irritation. The Issue : XXXX. Contradictory Decisions : PayPal has already investigated this exact shipment and admitted the goods were " Significantly Not as Described, '' issuing a full refund for the {$460.00} portion. However, they have arbitrarily denied/closed the dispute for the remaining {$150.00}, despite it being the exact same physical goods from the same transaction. XXXX. XXXX and XXXX Violations : The items are hazardous. Under international shipping regulations ( XXXX ), it is illegal to return chemically contaminated materials via standard mail. PayPal 's refusal to resolve this effectively forces me to pay for hazardous waste that I can not legally or safely return. XXXX. XXXX XXXX : PayPal is aware of the seller 's breach ( as proven by the first refund ) but is failing to protect me on the second portion of the payment for the same incident. XXXX Requested : I demand an immediate refund of the remaining {$150.00}. XXXX current stance facilitates warehouse fraud and ignores public health and safety protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citibank wont give me access to my account Ive been on the phone with them all morning. I just deposited {$1200.00} in the account

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 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
I sent money on XXXX XXXX for my parents and family expenses via RIA money transfer. The receipt I got from Ria Money Transfer with order number XXXX clearly stated Date Available as XX/XX/year>. Its XX/XX/year> today and RIA is arguing that it will take XXXX business days irrespective of what is mentioned in receipt. I believe this is a breach of their contract. Please see below : R XXXX P R I XXXX T Order No. : XXXX Transaction Date : XX/XX/year> XXXX AM Track your Order at www.riamoneytransfer.com/track-a-transfer SENDER Operator : Ria M XXXX XXXX XXXX Clipstone Pl, XXXX, Florida XXXX - United States XXXX Date Available : XX/XX/year> RECIPIENT BANK ACCOUNT : XXXX ( XXXX be available sooner ) XXXX XXXX XXXX XXXX XXXX Hills XXXX XXXX XXXX, XXXX, XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
XXXX Misleading Loans : Offered extensions that appeared helpful but did not disclose that the interest on the loan would continue to accrue and was paid before the principal upon resuming payments significantly increasing the total cost of my loan. XXXX. Inaccurate Credit reporting : XXXX failed to properly report accurate information regarding my account status to credit bureaus Including erroneous information about payments and account status impacting my XXXX XXXX. XXXX. Unaffordable lending. The loan was structured in a way that it was likely to fail and result in excessive interest. Which I believe constitutes predatory lending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have current insurance coverage no money is owed to this company. Please delete and remove from my credit report. There are XXXX erroneous accounts being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a business checking account with Wells Fargo, and they continue to attempt to charge overdraft fees, despite me moving money Immediately. This is an ongoing issue. Today when i called she acknowledged i moved the money over, but because of the time, it didnt process in time But the overdraft did?!? I move money almost immediately so this is completely unethical, and fraudulent for them to be doing this. I will be escalating this to anXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
Subject : Formal Complaint Against Debt Collector for Unauthorized Disclosure of Social Security Number I am filing a formal complaint regarding a serious privacy violation by a debt collector. On XX/XX/year> at approximately XXXX AM, I received a phone call from a representative who identified herself as XXXX XXXX from Ability Recovery Services, calling from XXXX ( XXXX ) XXXX. The caller stated that the call was being recorded. She asked if she was speaking with ( Full Name ), and I responded yes. She then attempted to verify my identity by stating my date of birth out loud instead of asking me to confirm it. I expressed concern about this method, as it is not a secure or standard verification process. Before I could confirm any identifying information, the representative became dismissive and stated that she could see my full Social Security number and could say it if she wanted to. She then proceeded to read my full Social Security number out loud over the phone. At the time of the call, another individual was present and heard my Social Security number being disclosed. I had not properly verified my identity, nor had I consented to the disclosure of such highly sensitive personal information. This action placed my personal information at risk and caused significant distress. After I requested her name and company information, she provided it and then abruptly ended the call. I believe this conduct is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and constitutes a breach of privacy and improper handling of sensitive personal information. I am requesting : - A full investigation into this incident - Documentation and access to the recorded call- XXXX that my personal information has not been further disclosed or mishandled - Appropriate corrective action taken against the company and representative

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing a complaint against Bank of America regarding the handling of my debit card dispute and the conduct of their representative. I disputed a {$490.00} transaction for merchandise that was never received and/or a refund that was never processed. I also have written communication from the merchant stating that a refund was issued, yet Bank of America has denied my claim without providing proof of delivery, proof of authorization, or confirmation of any refund received. When I contacted customer service for clarification, the representative provided an inadequate and inaccurate explanation, stating that the merchant required an additionaXXXX XXXX days. This is not a valid reason under the Electronic Fund Transfer Act. Additionally, the representative made an inappropriate and dismissive comment, stating that if I had another bank, the result would be the same. This response was unprofessional and failed to address my concerns. I am requesting : - A full reinvestigation of my dispute - Documentation of any evidence used to deny my claim - Confirmation of whether any refund was received or attempted - Appropriate review of the representatives conduct This matter involves {$490.00} and has not been properly resolved. I expect a thorough and fair review in accordance with federal law.

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 2026-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I am submitting this complaint regarding contradictory representations made by Navient in connection with my private student loan associated with XXXX XXXX University. On XX/XX/year>, the XXXX XX/XX/XXXX approved my XXXX XXXX to Repayment application based on findings of misconduct by Full XXXX University ( Exhibit A ). My private student loan is governed by a promissory note that contains theXX/XX/XXXXHolder Rule clause, preserving my right to assert claims and defenses arising from school misconduct ( Exhibit XXXX, Exhibit XXXX ). I submitted my Borrower Defense approval in support of a misconduct-based discharge request for my private student loan. MOHELA denied that request and stated that XX/XX/XXXX made the decision regarding the denial ( Exhibit C ). However, XX/XX/XXXX has separately represented that it has no involvement with my account and that all inquiries should be directed to MOHELA. These positions are irreconcilable. The inconsistency is particularly concerning because XX/XX/XXXXCEO, XXXX XXXX XXXX, publicly communicated to XXXX. Senators that XX/XX/XXXXsupports relief for borrowers impacted by school misconduct, particularly where federal findings of misconduct andXX/XX/XXXX Holder Rule protections apply ( Exhibit D ). Despite these public representations : My federally approved Borrower Defense determination has not been honored in connection with my private student loan XX/XX/XXXX denies involvement while MOHELA states that Navient made the decision My loan continues to be enforced and reported despite documented school misconduct and Holder Rule protections I am requesting that Navient : XXXX. Clarify its role in the decision to deny my misconduct-based discharge request XXXX. Explain how its public statements regarding relief for borrowers affected by school misconduct are consistent with the continued enforcement of my loan XXXX. Confirm whether it recognizes that the FTC XXXX XXXX applies to my loan, as reflected in Exhibit XXXX XXXX. Confirm whether it recognizes the relevance and legal significance of my federally approved XXXX XXXX claim XXXX. Cease collection activity and credit reporting pending resolution of this dispute XXXX. Reevaluate my account for discharge in light of the documented findings of misconduct and Holder Rule protections Exhibits Attached : Exhibit A Borrower Defense Approval Letter Exhibit XXXX Full Promissory Note Exhibit XXXX Page XXXX of Promissory Note Showing FTC Holder Rule Clause Exhibit C XXXX Denial Letter Stating Navient Made the Decision Exhibit D Excerpt from XXXX XXXX XXXX XXXX to XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Funding Metrics LLC
State: NJ

Complaint narrative:
This supplements CFPB complaints # XXXX, # XXXX, and # XXXX against Funding Metrics LLC XXXX XXXX, XXXX XXXX XXXX, and attorney XXXX XXXX XXXX, XXXX XXXX UNACCOUNTED {$6900.00} WIRE On XX/XX/XXXX, I wired {$6900.00} per XXXX 's instructions to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX PA an address USPS had marked VACANT. No receipt, no accounting, and no return of funds. In its XX/XX/XXXXXXXX CFPB response, Funding Metrics admitted this was a " drafting error '' but provided no accounting. Independently, XXXX XXXX of XXXX XXXX stated in a XX/XX/XXXXXXXX email : " You have already paid {$6900.00} into the settlement '' confirming XXXX received and acknowledged the funds. A XX/XX/XXXXXXXX voicemail from XXXX confirms : " You paid {$7000.00} into a settlement. '' The money has never been returned or accounted for. THREE FAILED PAYMENTECH RELEASES NO DOCUMENTATION Funding Metrics ' own CFPB response confirms three release submissions, each returning a lower unexplained amount with no written XXXX documentation produced : Release # XXXX ( XX/XX/XXXX ) : submitted {$18000.00} XXXX returned {$15000.00} ( - {$3600.00} ). Release # XXXX ( XX/XX/XXXX, same day as my wire ) : submitted {$15000.00} XXXX returned {$9700.00} ( - {$5300.00} ). Release # XXXX ( XX/XX/XXXXXXXX ) : XXXX claims funds sufficient but demanded I sign a third new agreement. Total unexplained reduction : {$8900.00}. No XXXX communications ever produced. XXXX BROKE ITS CFPB COMMITMENT In its XX/XX/XXXXXXXX CFPB response, XXXX stated it would " accept direct remittances from XXXX going forward, thereby removing XXXX XXXX from further involvement. '' This was never honored. XXXX continued contacting me by email, text, XXXX, and voicemail through at least XX/XX/XXXX XXXX months after XXXX 's commitment to this Bureau falsely claiming all complaints were dismissed. UNLICENSED COLLECTOR / UNVERIFIABLE ENTITY XXXX XXXX has no verifiable physical presence. Its XXXX address is VACANT ( USPS confirmed ). Its Delaware registered agent address was returned REFUSED. Phone numbers used for collection ( XXXX ) XXXX and ( XXXX ) XXXX show no registered owner and are geolocated to XXXX, not XXXX. No debt collector license has ever been produced. NOTE : Eight voicemail audio recordings from XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX through XX/XX/XXXXXXXX ) are available upon request and can be provided on XXXX XXXX or via secure file transfer. Please advise on the preferred method for submission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation