vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX XX/XX/year> AMERICAN HONDA FINANCE account number ( XXXX ) CEASE AND DESIST NOTICE To whom it may concern This letter serves as a formal notice that you are to immediately cease a desist all communication with me regarding th above- referenced account American Honda Finance Pursuant to my rights under the fair debt collection practices act, including 15 U.S.C 1692c ( c ) you are hereby instructed to stop all the telephone calls, emails, text messages and any other form of contact with me. 

if you continue to contact me after receipt of this notice, I will document all communications and pursue all available legal remedies for violations of federal law. 


Thank you for your cooperation. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
COMPANY : MOHELA ( Missouri Higher Education Loan Authority ) Account : Federal Student Loan Servicer MOHELA Issue Date : Ongoing since XX/XX/XXXX MOHELA is reporting contradictory and inaccurate information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Department of Education regulations, 34 C.F.R. 685.205.

My federal student loan account is simultaneously displaying mutually exclusive status codes : Deferred Payments begin XX/XX/XXXX, {$0.00} scheduled payment XXXX days past due ( reported XXXX XXXX ) An account can not be in deferment with a {$0.00} payment obligation and simultaneously be 120 days delinquent. These statuses are logically impossible and violate the FCRA requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

Additionally, during XXXX XXXX, federal student loans were under administrative forbearance protections. Under 34 C.F.R. 685.205 : Loans in administrative forbearance can not be reported as delinquent Borrowers have zero payment obligation Non-payment during protected forbearance does not constitute delinquency I formally disputed this reporting with MOHELA on XX/XX/XXXX. 
MOHELA responded on XX/XX/XXXX stating the loan was delinquent before deferment was applied. However, this response fails to address why contradictory status codes are currently reporting simultaneously. 

Even if MOHELA claims prior delinquency, that does not justify current contradictory reporting showing both deferred and 120 days late. 

This inaccurate reporting has significantly damaged my credit score and financial standing during my transition from XXXX XXXX XXXX XXXX XXXX ( separated XX/XX/XXXX ). 

MOHELA has failed to maintain accurate reporting procedures and has failed to correct this clear and facially obvious error after formal dispute.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: GA

Complaint narrative:
Today on XX/XX/XXXX XXXX XXXX I used my XXXX XXXX XXXX to withdraw funds from my wages from my employer when I notice one digit was enter incorrectly on my debit card so I notified chime about this issue to have them to reverse my funds and place them inside of the right account and I got no assistance with this issue they hung the call up in my face

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/year> happened ok. The old people are getting old and the stores are still open. What am I doing here. Move that dollar as a complaint off my name. Fill my account for positive shopping.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
For the past 18 months or so my minimum payment on a 0 % balances have been XXXX. I have always made a higher payment of {$350.00}. For some reason my XXXX payment increased to {$370.00} ( there were no new purchases made, no interest or any fees added and XXXX payment was made on time ). I contacted PayPal credit and was told that this was an error and that they would just cancel my XX/XX/XXXX payment. Made no sense to me but Ok I thought they would fix the issue. Despite them saying I didn't need to make a payment, I still made my regular payment of {$350.00} on XXXX. My XXXX minimum payment showed {$340.00} so again I made my {$350.00} payment. Today I contacted PayPal credit again as my new statement once again shows that my minimum payment due on XX/XX/year> is {$370.00} ( no new purchases, no interest or fees added and a higher than minimum payment was made ). They were less than helpful and rude including the account XXXX name XXXX who simply refused to assist or provide her supervisors name. My current balance is {$1300.00} and I just want this to be corrected so that I can make my payment of {$350.00} until this is paid off. I REFUSE to pay the higher minimum payment just because they can't get their system figured out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I respectfully request a review of these charges and consideration Reassessing the interest rate adjustments in light of my payment history and credit status, and Providing a clear explanation of the factors driving these changes and any available alternatives or hardship programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: OH

Complaint narrative:
I am an Ohio consumer who obtained an installment loan from MaxLend. 

I borrowed {$2600.00}. The stated APR on the loan is approximately 420 %. 

To date, I have paid {$3400.00}, which already exceeds the principal borrowed. Despite this, the company claims I still owe 13 additional payments of {$490.00}, totaling {$6400.00} more. 

If all payments are made, I will have paid approximately {$9800.00} on a {$2600.00} loan. 

I contacted MaxLend to request an explanation of how this cost was calculated and why the interest rate is so high. The representative was unable to provide a clear or meaningful explanation. 

I am now disputing the validity and enforceability of this loan under Ohio consumer protection laws and have revoked authorization for electronic withdrawals. 

I believe this loan is predatory and unfair, and I am requesting that MaxLend cease collections and confirm that my balance is XXXX, as the principal has already been repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid off the loan and I asked at the time i paid it off will they delete it from my credit report and they said yes, but they didn't and it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Fenix Holdings, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX Title Company, as a matter of practice, refers everyone that closes with this company to herself for closing for XXXX to generate {$15.00} per settlement extra fee for " Notary Fee. '' When I confronted XXXX, she advised that : " As for all our title fees, they are all determined and governed by the XXXX XXXX NJ, Banking and XXXX XXXX and they are all standard for all NJ title companies. '' XXXX did not include any legal authorities, other than the boilerplate statement. 

This title company incorrectly rejected a valid deed to obtain a referral to a law firm for another {$150.00} deed-preparation charge.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was contacted by a " representative '' from Chase Fraud Department on XX/XX/XXXX and XXXX regarding attempted charges and withdrawals from my account. The first ones on the 2nd were for {$490.00} and {$1000.00} which did not occur on my account. I requested my card be locked and a new card be sent to my home. 

On the 3rd, I was contacted again by the " representative '' from Chase, notifying me that there were withdrawals occurring in large sums from my checking and savings account. 4 transactions at {$1000.00}, {$200.00}, {$800.00} and {$900.00}. The person verified my information, sent me a notification via the mobile app, and provided a claim number with " XXXX '' in it. As I was speaking with the representative, my account balance decreased, the person stated the investigation would happen and I would be credited the money. 

I received a 3rd call from them but did not answer due to work hours. I called Chase with the number on my card, to find that there was no claim filed and my card was unlocked and in use. The new representative provided me with 3 claims numbers, sent a new card and assisted me with resetting my app 's username and password as this may have been hacked in order to gain access to my account. The Chase representative stated I would be credited and the investigation for the claims would take 1-2 business days. 

I filed a police report on the XXXX of XXXX. On the XXXX of XXXX, chase denied my claims stating that the withdrawals were authorized. I visited the bank on the XXXX of XXXX, faxed the police report and provided GPS location of where I was at the time of the transactions occurring, to show I was not near any bank location the withdrawals happened at, I also notified the bank that I did not provide my bank card or PIN to any person. 

By XX/XX/XXXX, my claims were denied again, with Chase stating that they were authorized transactions. When reaching out to the Fraud department to find out how they can deny my claims, they are stating that my physical card and PIN were used. I asked if there was video footage proof checked, and I would gladly provide photo ID to verify this was NOT me, I was advised again that the withdrawals were authorized with no follow up. 

I am currently overdrawn on my bank account, and had to request assistance from family to cover bills along with resorting to credit cards until next pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-15 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
It's very simple, when purchasing an airline  ticket that includes bags, the legal contract involves delivering the bags to the destination without destroying, losing or stealing them. If the bags are not delivered intact, the contract is not completed, the payment is not due. I have been illegally billed for a situation where my bags were destroyed and I was not properly compensated for the value of the destroyed property under international law. This is fraud. It is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: DISCOVER BANK
State: FL

Complaint narrative:
I am filing a complaint regarding Discovers handling of a billing dispute. 

Transaction amount : {$4700.00} Merchant : XXXX XXXX XXXX XXXX XXXX XXXX  Dispute number : XXXX The merchant retrieved the merchandise and signed a Pickup and Return Acknowledgement stating took possession as a return. The document confirms the instrument was received in the same condition with no damage noted and confirms transfer of possession. 

The merchant retains possession of the returned merchandise. 

Despite the merchant accepting and retaining the returned goods, Discover determined the transaction to be valid and allowed the full charge to stand. 

Because the merchant has both the merchandise and the funds, this constitutes a billing error involving returned merchandise. 

I am requesting correction of the billing error and permanent credit of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
RoundPoint Mortgage Servicing LLC continues to send payment statements too late for payments to be received, processed, and applied before the expiration of their grace period, which causes late payment fees to be assessed. This is the third time that I have filed a complaint on this here and, at least the sixth time I have made this complaint to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I paid approximately {$400.00} using PayPal for a cryptocurrency purchase processed through a third-party provider. 
The merchant and exchange involved later confirmed in writing that the transaction was not completed, and I never received the cryptocurrency. Screenshots clearly show " transaction not completed. '' Despite this, PayPal denied my dispute and appeal, labeling the transaction as " valid, '' without verifying whether any cryptocurrency was actually delivered. No proof of delivery or blockchain transaction was provided. 
I am disputing non-delivery of a digital product. PayPal approved the transaction even though the service was not completed and the product was never received. 
I am requesting a refund for funds paid for a transaction that was not completed and resulted in no delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Sparrow Financial, Inc.
State: OH

Complaint narrative:
This account from Sparrow has been paid for several months, but there is still a balance showing on my credit report. I have contacted the company, and I keep getting the run around. Its been paid and should reflect as paid, not charged off with a balance. 
I called the company BEFORE paying it and was told to send them the check. It was not until after that I was told it was sold. 

Also, I have attached correspondence from the company that it was sold and they are the owners This means they need to remove themselves from my credit report since they no longer own the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
sent them information that the information is not mine also not accurate they need to remove these off my credit account because they didn't provide a reasonable investigation by 15 Usc 1681 ( a ). XX/XX/XXXX {$250.00} provided a validation letter to XXXX XXXX XXXX about this matter and XX/XX/XXXX, also XX/XX/XXXX they had a data breach in XXXX XXXX also request a ACDV record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XX/XX/year>, I mailed a written dispute regarding the authority to enforce the above-referenced mortgage loan. 
Via mail on XX/XX/year>, foreclosure counsel provided a document production consisting of the following materials only : Promissory Note Security Deed Three ( 3 ) Loan Modification Agreements Ten ( 10 ) Assignments No additional documentation was provided establishing the identity of the current creditor or the party entitled to enforce the note. 
On XX/XX/year>, a Trustees Sale Notice was issued scheduling a foreclosure sale for XX/XX/year>. 
The issuance of the Trustees Sale Notice occurred immediately following receipt of the document production, while authority and standing concerns remain unresolved. 
The documents produced do not clearly establish : The identity of the current holder or party entitled to enforce the note ; Documentation sufficient to demonstrate a clear and uninterrupted chain of authority supporting foreclosure activity ; The authority under which the Substitute Trustee was appointed at the time of substitution ; How the three ( 3 ) loan modification agreements affect enforceability and default status.

Foreclosure activity is proceeding despite these unresolved issues.

This complaint follows prior consumer complaints submitted regarding servicing and authority concerns associated with this loan.

I request regulatory review to ensure that foreclosure activity is being conducted in compliance with applicable federal consumer protection laws and servicing standards.

Resolution Requested : I request : Written identification of the current creditor and the party entitled to enforce the promissory note ; Documentation sufficient to demonstrate a clear and uninterrupted chain of authority supporting foreclosure activity ; Documentation establishing the authority under which the Substitute Trustee was appointed at the time of substitution ; Clarification regarding the effect of the three ( 3 ) loan modification agreements on the loans enforceability and default status.

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 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a XXXX credit line with Wayfair Citibank. I, normally, pay the full amount every time I receive the statement so I do not have a balance to carry over. Of course, I owe nothing on it right now. I tried to make a purchase with Wayfair last Sunday evening, XX/XX/XXXX but it failed. I tried again 4 more times but it failed every time because the credit card would not go through. I called Wayfair on Sunday evening but they were already closed. I called on Monday but they couldn't figure out why the card was being rejected. I called Wayfair Citibank on Monday, XX/XX/XXXX at XXXX EST but the person I spoke with had her head in the clouds adter 5 mins of frustration I told her I would figure it out. Needless to say that she was relieved. I called Wayfair three more times between Mon, XX/XX/XXXX and Tue, XX/XX/XXXX, The last woman statted that she would contact Citibank and some Dept at Wayfair and I would receive an email from Citibank within 72 hours which I never did. I contacted Wayfair Citibank again on Tue, XX/XX/XXXX and spoke with a lady for 25 mins. She knew nothing either. Why is no one at Citibank trying to help me? 
Thank you again for being here for the consumers!

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 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Around XX/XX/2026 i became aware that this company places a collection account on my credit report. I did not receive any prior written notice or validation of the debt. 

I have not been provided with documentation showing that this debt is mine. Despite this they company reported the account to the credit bureaus, causing harm to my credit I am requesting that this account be properly removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$150.00} from a XXXX ATM located at XXXX XXXX XXXX XXXX FL, XXXX, NJ at XXXX XXXX. The ATM only dispensed {$45.00}, but the system recorded the full {$150.00} as dispensed. 
I immediately reported the issue to TD Bank. They issued a provisional credit of {$100.00}, which was later removed, stating no ATM error was found. I did not receive the full amount. 
I provided photographic evidence showing the ATM, date, time, and location. I requested reconsideration, but the bank denied my claim again. 
I request a formal independent review of the ATM cash balancing records and camera verification for this transaction, and that the {$100.00} be restored. 
Attached are photos of the ATM showing date, time, and location, plus screenshots of the account transaction and the banks denial of my claim.

Company response to consumer: Closed with explanation