vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/XXXX I executed a new Balance Transfer XX/XX/XXXX Balance transfer {$6600.00}, 6.99 % until XX/XX/XXXX XX/XX/XXXX Balance transfer fee {$330.00} My XXXX Statement shows XXXX current balance transfer promotions $ XXXX 5.99 % expiring XX/XX/XXXX $ XXXX 6.99 % expiring XX/XX/XXXX XXXX Payment applied incorrectly XX/XX/XXXX PAID {$6800.00} * PER THE TERMS AND CONDITIONS OF MY CARD THE XXXX PAYMENT SHOULD HAVE BEEN APPLIED TOWARD MY OLDEST BALANCE FIRST, THE BALANCE TRANSFER PROMOTION EXPIRING XX/XX/XXXX. 

PROBLEM XXXX The {$6800.00} was applied incorrectly. The XXXX payment of {$6800.00} was applied to my new balance transfer NOT the older balance transfer with the expiring promotional rate. According to the terms of my card, the oldest balances are paid first. 

PROBLEM XXXX My old balance transfer rate expired and I am being charged 29.99 % interest. That old balance transfer balance should have been paid off in full on XX/XX/XXXX, before the promotional rate expired. My new balance transfer balance should have remained in effect at the promotional rate of 6.99 % as shown on the XXXX statement. 

PROBLEM XXXX I had to pay additional fees to transfer the balance again ( to another card ) because I can not afford to pay the 29.99 % I should have never been charged.

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 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : Wire Fraud Receiving Banks Accepted Fraudulent Transfers Complaint Text : I am submitting this complaint as a victim of wire fraud involving a trading platform known as XXXX. I was initially introduced to this platform through a XXXX recruiter named XXXX, associated with XXXX. Her social media content promotes the platform as a legitimate investment opportunity, including testimonials about financial success and lifestyle XXXX. Based on these representations, I was persuaded to participate. 

On XX/XX/XXXX I was asked to initiate a XXXX XXXX  wire transfer in the amount of {$1100.00} and also on XX/XX/XXXX, I was also asked to initiate a domestic wire transfer in the amount of approximately {$12000.00} ( plus {$35.00} wire fee ) from my account to a recipient account provided to me under fraudulent pretenses. 

The receiving bank information was : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ) to this individual : XXXX XXXX XXXX. Fifth Third Bank XXXX XXXX ( XXXX, XXXX  ) to this Individual : XXXX XXXX The wire was sent to an individual account name provided to me that I now understand to be part of a fraud scheme ( money mule account ). 

After realizing I was a XXXX XXXX XXXX, I immediately contacted my bank to request a wire recall. I have not received written confirmation of : The exact date the recall was initiated Whether the receiving banks responded XXXX the recipient accounts were frozen Whether suspicious activity reports were filed I am requesting a full review of : XXXX. Whether proper wire recall procedures were followed. 
XXXX. Whether the receiving banks investigated and froze the beneficiary accounts. 
XXXX. Whether these beneficiary accounts are linked to other fraud complaints. 
XXXX. Why funds were allowed to be withdrawn or converted immediately after receipt. 

This was a clear case of fraud, and I am requesting regulatory review of all involved institutions handling of this matter. 

I am prepared to provide wire documentation, police report, and XXXX complaint confirmation. I have the full beneficiary account numbers, routing numbers, and wire confirmations and will provide them directly to regulators upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
XXXX XXXX was added to my Cashapp account on XX/XX/XXXX as a refund from XXXX from that refund I took and withdrew that same money to my withdrawal account. My ex account which is XXXX card is XXXX even though that account had been unlinked a month before XXXX agreed to refund or reverse transaction and it never arrived back. XXXX like XXXX account wow sometime later XXXX was finally running the transaction tray like I asked, and they said that it showed the Cashapp pulled it in mid transferred and returned it to XXXX  I want my money back because theyve been claiming all the time they didnt know where it was at, but XXXX can verified it with their transaction the trace.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: NJ

Complaint narrative:
The student loan at issue was included in my XXXX  XXXX XXXX and was properly listed as unsecured debt. The servicer did not contest this classification or participate in the proceedings, nor did they file any objection during the confirmation or discharge process. Despite being originally {$23000.00}, the balance has since escalated to {$100000.00}, which raises significant concerns and warrants a thorough review. As a public servant with limited income, this level of debt is not realistically repayable, and given the servicers absence in the bankruptcy hearings, the loan should have been treated as XXXX under the terms of the confirmed plan. 
Formally XXXX, now serviced by Mohela.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: DISCOVER BANK
State: FL

Complaint narrative:
On the previous dispute- The language appears to indicate my dispute pertained to original card ownership and that is not what I am disputing. I am disputing charges on the CC after the XXXX dates as I reported it and I have submitted highlighted copies of the transactions that were used ( along with supporting evidence of ID theft ) without my knowing or were used with a fake ID or information. I did not realize the amount of charges until later in XXXX, as I didn't receive statements in the mail and I had auto payment set up for the monthly payments. I am asking to restore the card so I can continue to pay on the account minus the highlighted fraud charges presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
My federal student loans were opened in XX/XX/XXXX and have been repeatedly placed in administrative forbearance or payment-deferred status without my authorization or explanation for many years. 

The loans show a reported last payment dated XX/XX/XXXX, but I did not make any payment. The accounts also show on-time payment history and balances that exceed previously reported highest balances, which appears inconsistent and inaccurate. 

On XX/XX/XXXX, I again sent a certified written request to XXXX since my XXXX  request via certified mail was not fully addressed. I asked for a full loan accounting, payment history, verification of any claimed payments, documentation of the legal basis for administrative forbearance, explanation of ongoing interest accrual, and copies of loan origination records. 

The company received my letter but did not respond. Interest continues to accrue, and the account reporting remains unclear and potentially inaccurate.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
This Agency sent personal information via text to my spouses ex husband, who has no affiliation to this account. Not sure how they were even found as there is no information leading to this person on any of our records. They have been divorced for over 10 years. When I contacted them to inquire about this issue they said they contact the wrong person all the time, so it was ok, and if I did not pay they would place a hold on my vehicles registration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: NH

Complaint narrative:
In XXXX of XXXX I opened an account with XXXX through a representative at a XXXX location XXXX XXXX. As part of this agreement, a {$250.00} visa prepaid card was promised as a promotional deal to entice switching mobile providers. In XX/XX/XXXX, this card was delivered via email as a virtual prepaid visa card with access though XXXX  The card is issued by XXXX XXXX  XXXX and managed by XXXX. I first attempted to use this card at XXXX ( card is limited to XXXX, XXXX, and XXXX by terms and conditions of program ) on XX/XX/XXXX. Multiple attempts were declined and multiple calls were placed to XXXX in attempts to fix the issue. At XXXX XXXX stated that the card could only be used at XXXX brick and mortar locations, to which I pointed out in the terms of the card that this was wrong. Then the reps tried to state that XXXX was blocking the transaction which was illogical. Finally the rep stated they would escalate the matter and it would be resolved in XXXX business days. No response was received and I tried to use the card again on XX/XX/XXXX. XXXX  again the card would not work and after XXXX calls to XXXX  with different representatives providing different reasons for the issues and no resolution I was informed they would submit an escalation as they had no record of the previous escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Todd, Bremer & Lawson, Inc.
State: VA

Complaint narrative:
Consumer Financial Protection Bureau, I have received a letter from Todd Bremer & Lawson , Inc. on XX/XX/XXXX, ( Reference : XXXX ) which is a firm that specializes in student debt collection. Because I was not aware that XXXX put my account into collection, I contacted the firm by phone [ ( XXXX ) XXXX ] on XX/XX/XXXX to inquire about the status of my account. Please see " Todd_Bremer_Lawson_XXXX '' for additional details. 

According to XXXX XXXX, who represents the firm, XXXX claims that I withdrew from a class on XX/XX/XXXX, which to my knowledge I am unaware of. She also asserts that XXXX attempted to contact me about withdrawal from this class, which to my knowledge has never happened. According to the bill I received from the firm, XXXX is trying to collect a balance of {$700.00} from me. 

After contacting Todd, Bremer & Lawson , Inc, I contacted XXXXXXXX XXXX  accounts receivable for further clarification regarding this debt, also on XXXX ( please see " XXXX '' for additional information ). To date, I have not received a response from XXXX XXXX XXXX XXXX XXXX, other than the automated reply they sent moments after my original inquiry was sent ( please see " XXXX '' for more details ). 

In addition to the letter I received from Todd, Bremer , & Lawson , Inc., I have received a letter from the XXXX of Virginia 's Department of Taxation ( Correspondence ID : XXXX ) which states that due to the fact that I have an outstanding balance on file with XXXX XXXX XXXX, {$63.00} of my XXXX Virginia Income Tax Return rebate has been held from me ( Claim Number XXXX ). Please see attached document ( XXXX ) for additional information. 

I am concerned that this could be potential student debt collection fraud, since despite XXXX XXXX  claims, I feel like no effort was made on their part to communicate this alleged withdrawal from an XXXX  class which supposedly took place in XX/XX/XXXX, before this alleged debt was sent to Todd, Bremer and Lawson Inc. for collections.

In addition to the complaint that I am submitting to the CFPB, I have requested the Department of Education 's Office of the Inspector General to investigate fraudulent student debt collection against me, and potentially any other students that may have been defrauded by the institution between XXXX and XXXX. 

Thank you very much for considering my case, and I look forward to hearing back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKE MICHIGAN CREDIT UNION
State: FL

Complaint narrative:
Upon reaching less than 80 % of the original loan value, my mortgage lender, Lake Michigan Credit Union, is insisting on charging a fee of {$190.00} to remove monthly charges for XXXX. 

I meet all requirements of the Homeowners XXXX XXXX to qualify for the automatic removal of XXXX  regarding payment history. My home has also increased significantly in value even though that is not a requirement of the XXXX. 

XXXX being told that my XXXX  will be removed automatically when the loan is further reduced to 78 % on or around XX/XX/year>. The XXXX legislation is written to remove automatically at 80 % and not include fees for processing or reappraisal.

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 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: BlueChip Financial
State: MA

Complaint narrative:
I settled this loan with XXXX  years ago but now this company called XXXX  is calling my husband. I explained to them that my husband isn't responsible for this debt and to cease calling him, they continue to call him. I am also in XXXX  XXXX XXXX bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLIANT CREDIT UNION
State: AL

Complaint narrative:
I authorized a debit card purchase on XX/XX/XXXX ( XXXX XXXX  ) for XXXX for a XXXX coat on what turned out to be a fake website. This merchant later provided a tracking number to my financial institution ( NOT ME ) that shows delivery within my ZIP code ; however, after Alliant Credit Union gave me the tracking number they had received, I went to XXXX for further evidence. They confirmed the package was delivered to a different address and was not addressed to my name or my address. 

I opened the dispute XXXX  on XX/XX/XXXX. This was closed on XX/XX/XXXX. On XX/XX/XXXX I reopened this with further evidence. I received a declined dispute with the same answer on XX/XX/XXXX. On XX/XX/XXXX, I tried to reopen a XXXX  time, but they closed it before I could even send them evidence just XXXX minutes later. Since then I have called almost weekly. The staff has been helpful forwarding the evidence I have gathered to the disputes team, but I have not heard a single thing from that team. 

Alliant Credit Union denied my dispute solely because the tracking shows delivered, without verifying that the shipment was addressed to me. Delivery to an unknown address in the same ZIP code is not proof of delivery to the cardholder. 

The merchant has not provided valid proof of delivery to me, and Alliant Credit Union has not provided a reason other than item delivered since I provided them conclusive evidence that the item was not delivered to my address. They have both the confirmation email with my address and the document from XXXX showing the delivered address. They have yet to acknowledge this piece of evidence. 

I am requesting that the XXXX XXXX conduct a proper investigation, provide documentation supporting its decision, and reverse the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or missing disclosures — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I was offered a loan for {$1500.00} through credit karma, which at that point is just not certain to be approved. Once the application was submitted for a non secured loan, the system response for OneMain Financial said " Approved '' or statement of that nature. Hard inquiry was pulled for all XXXX CREDIT Bureaus. I received a call from a local consultant to tell me that they could not approved me for a loan, this was misleading since the reason was that I already had a loan with them, the system should of declined the loan application once I applied at first. The fine print did not mentioned anything about multiple loans, etc....

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
This is a short version. I have attached a full version of everything that happened in the area where you allow documents to be attached. I have also attached a document with screen shots of the call record and of the text messages.

BEGIN " WHAT HAPPENED? " : On Sunday, XX/XX/year>, I got this text : Sunday, XX/XX/XXXX * XXXX XXXX  ( XXXX ) XXXX [ XXXX XXXX  ALERT ] Did you make a XXXX Payment of XXXX Reply 1 Yes, 2 for No.

Ref # :XXXX Text STOP to cancel alerts. Msg & data rates may apply.

Regrettably, I responded with a 2.

Fraudster called me from : XXXX. 
And from XXXX Said 15 different XXXX NY people were accessing my bank account.

I suspended disbelief and gave him bank information while he repaired my online credentials. '' He said he had to also make a dummy charge to Paypal to fix the fraud. He convinced me to log into Paypal and walked me through submitting a dummy charge for {$4800.00} In the meantime, he said, I was not to try to access Paypal or my bank account until all this was finalized, or the fraud would not be fixed.

Finally suspicious, I called my bank, XXXX. The bank helped me with a number of measures, refusing the charges, unenrolling me in overdraft protection, and transferring our checking account balance to our savings.

When the dummy Paypal charge for {$4800.00} came through, my bank returned it.

I initiatd a dispute for the {$4800.00} with Paypal. 

XXXX XXXX XXXX XX/XX/XXXX, Money Sent Repeat Evidently, she also goes by XXXX XXXX. 
Paypal rejected my dispute and says I have to pay the {$4800.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is in regards to case XXXX. 

Wells Fargo denied my claim based solely on ATM network logs and did not review surveillance footage.

The ATM in question was later removed and replaced due to malfunction, which was confirmed by the bank whose name was on the machine.

I experienced the malfunction firsthand the ATM froze twice, returned my card, and dispensed no cash.

This indicates the investigation was not reasonable or complete under Regulation E.

I am requesting Wells Fargo reopen the claim and contact the ATM operator regarding the known machine failure.

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 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland credit management company took over an alleged debt that claim to be mine. I requested three times with certified mail for debt validation. They in return sent me billing statements before sending fake court documents that were submitted to XXXX XXXX clerk  of court in XXXX. But where in fact fraudulent court documents not signed by judge here in XXXX XXXX. But signed by some entity from XXXX  claiming to be a legal representation of XXXX XXXX courts here in XXXX. The papers are stamped by an in house certifier within the midland company. They falsely reported unsuccessful communication between myself and midland creditors when in fact I have several certified recipients from letters I had drawn up asking for more information on alleged debt! They have not proven the debt to have belonged to me as I have asked and entitled too per the Federal and State laws. With these fraudulent threatening court documents I now possess for an alleged debt that does not belong to me and is daily causing issues to my credit score! My identity was compromised and breached by all three credit reporting agencies and I have been trying to clean up my report from fraudulent information for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bilt Technologies, Inc.
State: NC

Complaint narrative:
Hello XXXX, I would feel sorry for the Bilt and XXXX folks with my complaint here, but since they could cost me almost {$300.00}, i have to do it! 

Here goes : I agreed to switch to XXXX XXXX but was then, against my will, forced to get XXXX first. I have no wish to pay the {$95.00} fee. So when i asked to be moved to XXXX XXXX, well, so far, i have received one more XXXX XXXX and two unasked XXXX cards for my wife. 

This is a disgrace because now i am at risk of getting charged {$300.00} for three cards that we never wanted. Would yoube so kind as to help please? I did call their customer service several times. Each time, they promised to fix things. The last time, i spoke to " XXXX '' at XXXX after being on hold for 1 hour, 15 minutes and 19 seconds. I have to compliment XXXX though because while he was equally unhelpful, at least he was honest and told me that they could do nothing because their records showed that i ordered all cards! 

If you could please help us get the XXXX XXXX which lets us pay rent without the transaction fee, that would be greatly appreciated. Unfortunately, at this point, it is faster and easier for me to complain to you XXXX to waste half my working day on calls with your team. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation