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: Problem with additional add-on products or services — 
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I have had a loan with Wilshire XXXX XXXX  since XX/XX/XXXX and have made every single monthly payment on time without fail since then. However, for the last few weeks I have been receiving harrassing telephone calls and messages erroneously claiming to be late on my monthly payment. Some of the calls have even been before XXXX XXXX EST on the weekends which I found very disturbing while interrupting my sleep/rest. I have attempted to log onto my account online to check the status but prevented from being able to access my account. Instead, I am prompted and forced to call them. 

My attempts to reach someone and resolve this issue telephonically has been totally unsuccessful. I have been subjected to more erroneous information on my account and extremely rude, condescending, and threatening statements from the company 's representatives. They have consistently refused to connect me with a supervisor as I attempt to escalate the matter but instead make snide remarks, repeat erroneous information and/or even hang up on me. 

While my original loan amount was {$3000.00} I have paid down the loan and currently only have a balance due of {$120.00} on my account in total. My monthly payments are {$140.00} ; therefore, the loan should be paid in full by XX/XX/XXXX. I was able to confirm this by having a copy of my payment history emailed to me and I will attach a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX Acct # XXXX KIMBALL TIREY, ST.JOHN I am filing this complaint regarding an alleged rental debt from XXXX that has been placed in collections in XXXX and is currently being reported on my credit report. 

This alleged debt arises from rental charges during the COVID-19 emergency period in California ( XXXX ). I applied and reapplied for XXXX XXXX XXXX XXXX XXXX, including a reapplication in XX/XX/XXXX. Rental assistance was approved for this tenancy.

Despite the approval of rental assistance, the debt has now been placed in collections in XXXX and is being reported to credit bureaus.

I dispute this debt for the following reasons : 1. The alleged default dates back to XXXX, yet the collection account was opened in XXXX. 
2. Rental assistance was approved, and I have not been provided documentation explaining why the approved funds were not applied.

3. I have not received sufficient validation demonstrating that this debt remains legally collectible.

4. The date of first delinquency must accurately reflect XXXX. Any re-aging or misreporting of the delinquency date would violate the Fair Credit Reporting Act.

5. Under California law, written contracts are subject to a four-year statute of limitations, which raises concerns regarding legal enforceability.

I am requesting : Full written validation of the debt Documentation establishing the date of first delinquency Documentation establishing the legal basis for collection despite approved rental assistance Immediate deletion of this account from all credit reporting agencies if it can not be fully validated as legally enforceable Pending investigation, I request that all collection activity cease.

I am seeking correction of my credit report and confirmation that this matter has been properly reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried to pay my Macys card balance. Previously my banking details ( routing and account number ) were provided. This is the method I use to pay all credit cards. 

Today, I discovered Citibank has taken over and I cant move forward with online payment without providing my bank details : username and password to Citis third party to authorize a payment.

Considering the fact that my info is now on the dark web due to several data breaches ( XXXXXXXX XXXX XXXX and XXXX least four other companies ) Im unwilling to share this info. I used chat to speak to customer service. I asked if I could pay using XXXX, XXXX, XXXX, or XXXX and was denied. Im either forced to provide my banking login or appear in person at a Macys to pay my account ( as there are only two days left to pay in cycle ). 

Ill pay in person and close my account, but there are many people who wouldnt be able to do this. Citibank and its third party are strong-arming consumers into providing access to all their banking info. This is unsafe as no company can guarantee they wont get hacked! The federal government doesnt require my login details when I pay my taxes, why does Citibank , et sl need them? Its dangerous and completely unacceptable. This unnecessarily exposes the consumer to fraud.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
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 instrument that created the debt.

4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
Rocket Mortgage took out funds in escrow when taxes have already been paid. Failed to give us Tax Exempt as XXXX at 100 %. Rocket failed in calculating new mortgage payments and refused in a timely manner to correct their errors and provide a refund. Have emails and documents to provide Rocket Mortgage failure to respond.

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: TX

Complaint narrative:
Subject : Failure to Resolve Unauthorized Fraudulent Transaction Chase Card ending in XXXX Description : I am writing to formally complain about Chase Bank 's failure to properly investigate and resolve a fraudulent charge of approximately {$3000.00} USD from " XXXX '' dated XX/XX/year>. 

I am a XXXX retiree living in XXXX. I did not make this booking, I did not stay at the hotel in XXXX mentioned by the merchant, and I have not traveled to XXXX during the period in question. 

I am disputing this based on the following facts : Unauthorized Transaction : This was an unauthorized use of my credit card. I reported this to Chase immediately upon discovery. 

Lack of Evidence : Chase has closed my fraud investigation twice, claiming the merchant stated the charge was " valid. '' However, Chase has failed to provide me with the " Proof of Stay '' or " Signed Registration '' that would typically be required to validate a {$3000.00} hotel charge. 

Physical Impossibility : I have not left XXXX during the dates of this alleged stay. I am prepared to provide copies of my passport stamps to prove I was not in XXXX. 

Merchant Negligence : I attempted to contact XXXX  multiple times via phone and text to resolve the error, but they have been unresponsive. 

Chase is in violation of the Fair Credit Billing Act ( FCBA ) by failing to conduct a reasonable investigation into a clear case of identity theft/card fraud. They are attempting to hold me liable for a transaction I did not authorize and for services I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: TX

Complaint narrative:
Claim Number : XXXX Amount : {$150.00} Date of Transaction : XX/XX/year> I am filing this complaint because NetspendXXXX XXXX improperly denied my unauthorized transaction dispute and failed to conduct a complete investigation as required under Regulation E. 

I disputed a {$150.00} unauthorized Cash App transaction. Netspend/XXXX  denied my claim, stating there was no evidence of fraud, no account compromise, and no device compromise. However, the merchant evidence provided by XXXX XXXX contains only two data points : A phone number An IP address There is no device ID, no device fingerprint, no login history, no authentication logs, no geolocation, and no evidence showing that I personally authorized or initiated the transaction. An IP address and phone number alone do not prove authorization and do not meet the burden of proof required under Regulation E. 

Despite this, Netspend/XXXX  accepted XXXX XXXX  minimal metadata as compelling evidence and denied my claim without verifying whether : The device used matched my device The login was consistent with my history My account was accessed by someone else Any authentication was performed by me The denial letter claims no evidence of device compromise, yet no device information was provided or reviewed. This contradicts their own findings and demonstrates an incomplete investigation. 

I did not authorize this transaction, did not benefit from it, and did not send money to the listed recipient. I reported the transaction immediately once it appeared as pending. 

I am requesting that the CFPB require Netspend/XXXX  XXXX to : Reopen and reinvestigate my claim in compliance with Regulation E Provide the full investigation file, including all evidence used to determine authorization Issue a provisional credit if they can not prove I authorized the transaction The investigation performed was inadequate, relied solely on minimal merchant metadata, and did not meet federal requirements. 

Thank you for your assistance.

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: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I applied for a loan with PennyMac. The loan officer assured me that we can close in 21 days ( it was the seller 's terms ). I've submitted every piece of information processor requested multiple times ( it's all on my PennyMac portal ). My loan was approved on XX/XX/XXXX and I received a confirmation email. On XX/XX/XXXX I'm receiving an email requesting additional information because I'm short of funds. I've been in contact with the processor and her manager constantly via phone calls on the recorded line and the email, but I didn't receive an answer to my questions : 1. Why my loan was re-open 2. And what is the additional {$4000.00} for Finally, when I reached to the company 's management, my loan was approved on XX/XX/XXXX. I received a disclosure with additional charges. After I wen over the charges, I found a few mistakes. I spoke to Manager of Customer Experience and she assured me it will be corrected. This experience was so stressful and horrible that I would warn anyone to do a business with PennyMac.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
am filing this complaint regarding PayPals handling of a dispute for a {$120.00} transaction processed on XX/XX/XXXX. 

The merchandise was marked delivered by the carrier ; however, it was not delivered to my transaction address. The delivery photo provided by the merchant shows the package left at my apartment complexs leasing office after hours, outside a locked gym entrance. The leasing office does not accept packages at any time, and there is no mailroom or locker system at the property. Packages are delivered directly to residents unit doors. 

The item was not delivered to my unit and was not delivered to an authorized agent. When I immediately checked the location shown in the delivery photo, the package was not there. 

I submitted : The carriers delivery photo A photo of my unit door with visible number matching the shipping address Proof of the shipping address on the transaction PayPal denied my claim twice, stating only that tracking confirmed delivery. PayPal did not address whether delivery occurred to the transaction address or to an authorized recipient. The denial appears to rely solely on tracking status rather than evaluating whether proper delivery occurred. 

This is a misdelivery, not a dispute over shipment status. Delivery did not occur to the address provided in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: LA

Complaint narrative:
When trying to pay off my monthly payments, the original website used was no longer in service and would send me off to separate websites, losing my information and slowing down the process. Months of my payments would not go through and impacted my credit due to them holding the wrong information and not contacting me.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
No. Wells Fargo has failed to provide the Report of Findings or any of the documentation used to reach their decision. They have ignored the legal timeline for Provisional Credit and have failed to explain how a claim can be denied when the merchant provided XXXX evidence to rebut my Sworn Statement. Instead of providing the requested information, they have simply issued a generic denial letter and reversed my funds.

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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I am filing a complaint against Capital One regarding multiple unauthorized transactions on TWO separate credit card accounts under my name. 

I identified and reported several transactions totaling approximately {$1300.00}, as well as additional unauthorized charges on a second credit card. These transactions were not made by me, and I did not give permission for them. 

Capital One denied my dispute, stating that the transactions were completed using a chip. However, chip usage does not prove authorization, as fraud can still occur even with chip-enabled cards. 

Additionally, I previously experienced fraud involving the same merchants, and that case was resolved in my favor. This clearly demonstrates a pattern of fraudulent activity associated with my accounts. 

Furthermore, after receiving replacement cards, unauthorized transactions have continued to occur across multiple credit cards, which indicates that my financial information has been compromised and that this is an ongoing fraud situation. 

I have made minimum payments only to protect my credit while this issue is being investigated, but I do not accept responsibility for these charges. 

I believe Capital One failed to properly investigate my dispute and incorrectly held me responsible for fraudulent transactions across multiple accounts.

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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Company name : Wells Fargo Bank , N.A . 

Account : Last 4 digits : XXXX Transaction amount : {$1500.00} Merchant : XXXX XXXX Date of transaction : XX/XX/year> Dispute Number : XXXX I am filing this complaint regarding Wells Fargos improper denial of my credit card dispute for a {$1500.00} charge from XXXX XXXX dated XX/XX/year>XXXX  ( Claim ID XXXX ). 

I disputed this transaction because the airline failed to provide the contracted service / cancelled or significantly changed the flight and refused to issue a refund to my original form of payment. Under applicable consumer protection standards, this constitutes a services-not-rendered dispute. 

Wells Fargo denied my dispute stating that it falls within the merchants pricing and policies. However, the bank appears to have relied solely on the merchants assertion and did not conduct a reasonable investigation as required under the Fair Credit Billing Act ( FCBA ). 

The denial letter did not explain : What investigation steps were taken Why federal refund requirements were not considered Why the matter was classified solely as a pricing-policy issue The bank also rebilled my account after issuing a provisional credit without properly addressing the service-not-rendered claim and after issuing only a nominal refund of USD XXXX instead of full refund of {$1500.00} since the merchant claimed partial service was provided, even though original flight for both parts of round trips were rescheduled by the merchant and in each case the flight delay the more than 15 hours which jeopardized my personal plans and caused financial loss. 

I am requesting that Wells Fargo : Reopen and properly reinvestigate this dispute.

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am requesting that my case be reviewed because of the reasons listed below : I made payments to Navient from XX/XX/year>XXXX  to XX/XX/year>. I am due a refund my payments made from XX/XX/year>XXXX  through XXXX of XXXX  in addition to compensation from the recent settlement. I had initially filed a complaint through XXXX COMPLAINT NUMBER XXXX. My loans were discharged two months after I made my last payment. 

I understand checks are being issued to some borrowers because of Navient 's deceptional practices..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My Bank of America bank account was closed on XX/XX/year>. I paid {$450.00} to play in a XXXX XXXX  during XX/XX/year>. When league ended they refunded the money back to my Bank of America account which had been closed so BofA simply said your money is in limbo. The XXXX XXXX XXXX said they refunded and BofA simply said we don't have it. So, not sure how to get it back. Please advise.

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 — International money transfer
Issue: Confusing or missing disclosures — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
Complaint for : XXXX XXXX XXXX XXXX California Check Cashing Stores XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States Personal identification data collected Social Security number Phone number Mother 's maiden name -in addition to standard information from my government ID to cash international money transfer for {$4100.00}, without providing full data use disclosure of above personal identifying data. This agent also forced me to apply for a debit card in order to release the funds. They say they can put up to {$500.00} in the debit card as part of the fund disbursement, or at the minimum {$100.00}, but I have to apply for a debit card regardless in order to release the funds. The agent walked me through the process of applying for a XXXX XXXX debit card even forced me to click " I agree to all marketing '' in order for the application to process. In the end, the lady states the application did not go through and disbursed the cash in money order checks. In reality the application for XXXX XXXX bank debit card was not necessary. I feel this is a ploy to get my personal information to the 3rd party without my consent. This practice is unethical and unacceptable. Please investigate this XXXX  XXXX practice.

Company response to consumer: Closed with explanation