vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I previously filed a CFPB complaint regarding this account due to inaccurate reporting of the date of first delinquency. Portfolio Recovery Associates responded, acknowledging that the original XXXX  XXXX account was opened in XX/XX/XXXX and purchased by PRA in XX/XX/XXXX. However, despite this response, the account continues to report an incorrect collection date on my credit report, effectively re-aging the debt. Under the Fair Credit Reporting Act, the reporting period must be based on the date of first delinquency, not the date the debt was purchased by a collection agency. PRA has failed to correct this inaccurate reporting after being placed on notice through the prior CFPB complaint. I am requesting the CFPBs assistance in requiring PRA to correct the reporting to reflect the accurate date of first delinquency or remove the account from my credit report as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I tried to log into my mortgage portal to pay my mortgage. It said my account was not valid. On XX/XX/XXXX I called both XXXX XXXX and Rocket Mortgage. I was told the website was experiencing errors and I could pay over the phone. I explained the line was not secured and that there was XXXX visual information of my bill. They did not email, mail or allow me access to my portal. They said I can pay via mail or XXXX XXXX. I again said I needed visual evidence of the bill. They said they cant help. I spoke to XXXX different people and no one could help me or offer any sort of secured payment option.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
The amount being reported and collected is materially inaccurate and constitutes violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ). 
I vacated the rental property in XXXX and paid rent through XXXX, despite the lease term extending through XXXX. Prior to vacating, I provided written notice of non-renewal to the property XXXX. I did not reside in Alabama during the period for which utility charges are being assessed and therefore did not use any utilities. Any utility charges incurred after my move-out are factually inaccurate and should reflect a XXXX balance. 
I further requested in writing that my security deposit be applied toward any remaining balance and advised that I would remit XXXX rent once the account balance was accurately corrected. Instead, the creditor and/or its agent continues to pursue and report an inflated and unverified amount. 
I maintain documentary evidence supporting these facts, including my signed lease, written notice of non-renewal, and proof of non-residency. Continued reporting and collection of an amount known or that should be known to be inaccurate constitutes misrepresentation of the character and amount of the debt and a failure to conduct a reasonable investigation as required by federal law. 
I am requesting that this account be corrected immediately or deleted in its entirety, and that all inaccurate credit reporting and collection activity cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was scammed out of a product I paid for but never received. My bank XXXX XXXX failed to do anything so I am now asking PayPal to step in and please help me with this issue. I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
My auto loan redemption payment cleared on XX/XX/XXXX. Under XXXX  XXXX XXXX XXXX, the vehicle was required to be returned within XXXX business days, by XX/XX/XXXX. 

Despite full payment, the lenders asset/repo company has refused to release the vehicle due to an altercation at the time of me picking up my belongings. The asset company stole all of my belongings and did not inventory them, so there was a verbal altercation between myself and the car attendant. Because of this, my lender asked if I could have an authorized agent pick up the vehicle, which I agreed to. The asset company, refused to release it to my authorized agent ( my uncle ), even after the lender arranged pickup. I am being told I must wait to pick it up at an auction location, and no definitive possession date has been provided. 

It has now been more than XXXX days since payment cleared and I am still being denied possession. XXXX of a vehicle does not toll the statutory release deadline. Nor does an altercation. This constitutes wrongful retention and conversion under XXXX law. 

I am requesting investigation and enforcement of my consumer rights and immediate resolution. 
Complaint description Briefly state what you would consider a reasonable resolution from the company XXXX release of my redeemed vehicle with no additional fees and confirmation of compliance with XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
My boiler was broken so thermostat continued calling for heat which drove my gas bill up astronomically. I disputed the charge with the rental company because they failed to abide by the leasing agreement which states they must provide comfortable living conditions ( which includes heat in the middle of winter ) but they refused. This went on for XXXX  months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, we wrote a check for the rent for XXXX on check number XXXX. That check was cashed XXXX  by bank of america for XXXX and for XXXX. There were no images or information available for where that XXXX dollar amount went. We tried several times to resolve it. Bank of america never notified us of a duplicate payout. When trying to see the check image, it was just XXXX copies of the original XXXX check. I called several times, was told no problem, we can put in a service request. Then after several service requests, I was told it was outside od the time frame. Then was told I can try to put in a fraud case, which was also rejected due to the time frame, but we kept trying. I filed a police report and complaint and someone reached out saying it is my responsibility to check the funds withdrawn within XXXX  months, but no responsibility of theirs that they cashed a nonexistent check that was never written. When asking for their investigation report, they told me I had to get a subpoena.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I made placed an online order for XXXX to XXXX using Affirm pay later app. After noticing that the delivery address was wrong, I immediately cancelled the online order. I called XXXX to confirm that the order was cancelled. 

I informed Affirm of the situation as well. 

On XXXX XXXX, XXXX issued a refund to Affirm in the amount of XXXX Affirm has not issued me a refund nor have I received any items for the cancelled order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: FL

Complaint narrative:
I am submitting this complaint regarding Wells Fargos handling and denial of a fraud claim involving unauthorized debit card transactions on my business checking account. The claim was opened on XX/XX/XXXX ( Claim # XXXX ) and includes approximately 50 unauthorized transactions totaling {$3200.00}. 

I discovered the unauthorized activity on XX/XX/XXXX, after receiving an overdraft notice, and contacted Wells Fargo immediately that same day. During that initial call, we reviewed the disputed transactions line by line, and the debit card was cancelled the same day. 

These transactions were not authorized by me and occurred after an old mobile device that had this debit card added to a digital wallet was no longer in my possession and was subsequently lost, stolen, or misused by another individual. I did not approve, benefit from, or participate in any of these purchases. 

This account has been active since XXXX and has historically shown consistent, predictable transaction behavior. The sudden appearance of numerous high-frequency, abnormal transactions in a short period of time, resulting in an overdraft, does not reflect my normal account usage and is consistent with unauthorized access by a third party. 

Wells Fargo determined that the majority of these transactions were legitimate based solely on how they were processed through a digital wallet, without adequately addressing the unauthorized user or the clear deviation from established account behavior. 

Additionally, some transactions that were in fact legitimate were credited as part of the claim despite not being disputed, which further calls into question the accuracy and reliability of the investigation. 

The denial of this claim has caused significant financial harm, including overdraft consequences and disruption to my business operations. I am requesting a full, good-faith review of this matter and a clear written explanation of Wells Fargos determination that accounts for unauthorized use of the device and the overall transaction pattern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I accessed the legitimate Wells Fargo website ( wellsfargo.com ) from my laptop and attempted to log into my account. Wells Fargo sent me a one-time authentication code by text message, which I entered correctly. Despite completing authentication, I was unable to log in.

Within approximately 1 minutes, I received automated text alerts from Wells Fargo stating that a new wire recipient had been added and that two wire transfers were sent from two different accounts totaling {$24000.00}. I did not authorize the addition of any recipient or the sending of any wire transfers.

I immediately contacted Wells Fargo within 4 minutes of receiving these alerts. Wells Fargo shut down my online banking access and initiated a lost/stolen account process. I promptly filed a fraud claim.

Approximately one week later, Wells Fargo denied my claim without providing any meaningful explanation, supporting documentation, or evidence showing that I authorized these transactions. Wells Fargo has not provided IP address logs, device information, authentication records, or investigation details.

These transactions appear to be the result of an account takeover or system compromise. The fact that my login attempt failed while unauthorized wire activity was allowed to proceed raises serious concerns about Wells Fargos security controls.

Under Regulation E ( 12 CFR Part 1005 ), consumers are not responsible for unauthorized electronic fund transfers when reported promptly. I reported the fraud immediately and did not authorize these transactions.

Wells Fargo is improperly refusing reimbursement and has not conducted a reasonable investigation as required by 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 explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
CFPB Complaint Narrative I am filing this complaint regarding Capital Ones handling of a credit card billing dispute involving returned merchandise for which no refund was issued. 

I purchased a computer through XXXX for {$490.00}. The item malfunctioned shortly after purchase. The seller explicitly authorized a return and provided a written promise of a full refund. The seller provided a prepaid XXXX return shipping label. 

The item was returned using the label provided by the seller. XXXX tracking confirms the item was delivered to an individual at the sellers address on XX/XX/year>. 

After delivery, the seller did not issue a refund. In multiple written messages, the seller stated that the refund could not be processed because the payment dispute froze their funds. The seller did not dispute delivery at that time and later stated they were willing to cooperate with the payment institution. 

Despite submitting : Seller return authorization Seller-provided shipping label XXXX proof of delivery Seller 's written admissions that the refund was blocked due to dispute freeze A structured, indexed appeal explaining the sellers contradictory statements Capital One repeatedly closed my dispute, stating that my submission lacked previously requested information, without identifying what information was missing or addressing the proof of delivery and seller admissions. 

Capital One reopened the dispute after receiving additional documentation, then closed it again within days without substantive review. This appears to be a procedural denial rather than a good-faith investigation under the Fair Credit Billing Act.

I am requesting that Capital One be required to conduct a proper investigation, consider the full evidence of authorized return and confirmed delivery, and correct the disputed charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I attempted to reach the rental company without success, so I contacted the collection agency instead. They had my name, but no further details were given to me. I explained that I never reside at the apartment. I only visited my mother, who had lived there for 14 years, and I was a guest there only a few times. They ignored my explanation and continued to demand payment. I asked for proof of the debt, and they sent me an unsigned lease that my deceased mother is the only one listed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am formally disputing the inaccurate late-payment reporting by the Department of EducationXXXX for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year> on my student loan account. Despite my written request for verification, Nelnet has failed to provide any competent evidence demonstrating how these alleged delinquencies were calculated or that they accurately reflect my internal payment records, account balance, or loan status at the time of reporting. Reporting unverified and unsupported late payments violates the Fair Credit Reporting Acts requirements for maximum possible accuracy and reasonable investigation.DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, & DEPT OF EDUCATION/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a payment of {$710.00} in my PayPal account. A seller fee of {$21.00} was applied, leaving a net amount of {$690.00}. The funds were placed on hold as a Goods & Services transaction.

My account was later reviewed, confirmed as a personal account, and not limited. PayPal reversed the seller fee, acknowledging the transaction was not a sale and that the fee was applied in error. However, both the fee amount and the transferred funds remained inaccessible.

Despite exceeding PayPals stated 21-day hold period, the funds continued to show as On Hold. I contacted PayPal multiple times and attempted all available release options, but there was no method to confirm completion or update order status. PayPal stated the hold was caused by a system issue related to an account type change. 

On XX/XX/XXXX, PayPal opened a technical escalation ( case XXXX ) and later escalated it to XXXX priority, stating the issue would be resolved. As of XX/XX/XXXX, the funds remain on hold with no resolution or explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — FHA 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: TX

Complaint narrative:
I am submitting this complaint because I have been blocked from accessing my online mortgage servicing account after the transition to a XXXX XXXX  login system. My online account worked for over three years and then stopped working about a month ago. Since then, I have been unable to access my account, reset my password, or complete account verification.

When I attempt to recover or validate my account, I receive system errors that prevent access. One error message states : Unable to Validate Your Account and references an Internal Server Error tied to an SSN lookup and customer ID verification process. I have also received Were Having Trouble Finding Your Loan, even though I am entering correct information.

I contacted support via live chat, and the representative instructed me to register a new online account. The representative then stated that I must use a different email address to register and that my current email address can not be used to set up the online account.

This is not acceptable. My current email address is already associated with my mortgage account and the account worked for years. I should not be forced to create a brand new email address to regain access to a sensitive mortgage account, especially when this appears to be caused by the servicers system changes or account matching process.

Because I am locked out, I can not reliably view statements, payment history, escrow information, tax documents, or other important servicing information. I am concerned about potential payment errors, late fees, or negative credit reporting that could result from the inability to access my account normally.

Company response to consumer: Closed with explanation