vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing this complaint against Citibank regarding a merchant dispute ( Case ID : XXXX ) that was unfairly denied on XX/XX/XXXX. 
On XX/XX/XXXX, I ordered a pair of sunglasses from XXXX XXXX Per the merchant 's return policy, I returned the items, and they were officially delivered back to XXXX on XX/XX/XXXX. I have provided proof of delivery to both the merchant and Citibank. 
I opened a claim with XXXX ( Reference No : XXXX ) to request my refund. XXXX acknowledged receipt but stated it would take XXXX weeks to process the credit. Fearing the expiration of my dispute rights under the Fair Credit Billing Act ( FCBA ), I proactively opened a dispute with Citibank on XX/XX/XXXX. 
On XX/XX/XXXX, Citibank denied my claim, stating they " no longer have any recourse to obtain credit '' because the timeframe for resolving the dispute had passed. This is a violation of my consumer rights under the FCBA for the following reasons : Timely Notification : I notified Citibank of the billing error ( a missing credit for a return ) on XX/XX/XXXX, which is well within the XXXX window of the original charge and within a month of the return being delivered. 
Merchant Cooperation : The merchant has acknowledged the return but is withholding funds beyond a reasonable timeframe ( XXXX weeks ). 
Failure to Investigate : Citibank 's claim that the timeframe " has passed '' is inaccurate, as the dispute was initiated promptly. Under the FCBA, the creditor must resolve the dispute within XXXX billing cycles or XXXX days. 
Desired Resolution : I am seeking a full refund of the disputed amount, as the merchant is in possession of the returned goods and has failed to issue the promised credit. I also request that any interest or fees associated with this disputed amount be reversed.

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 2026-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Issue : Problems with mortgage servicing / Escrow / Incorrect information on credit report / Loan transfer issues I am experiencing serious and unresolved errors related to the servicing and transfer of my mortgage loan to PHH Mortgage. Despite making payments consistently, my account reflects inaccurate information, and key aspects of the loan transfer and escrow handling do not make sense and have not been explained. 

The primary issues are as follows : XXXX. Improper or unclear loan transfer : My mortgage was transferred to PHH Mortgage ; however, PHH does not appear on my credit report at all, despite PHH claiming servicing authority and issuing delinquency-related communications. This inconsistency raises serious concerns about reporting accuracy and servicing legitimacy. 
2. Escrow and insurance discrepancies : My homeowners insurance is paid through escrow. When I contacted my insurance company ( XX/XX/XXXX), I was informed that my prior servicer paid my annual homeowners insurance for the period XXXX, even though the loan had already been transferred to PHH. XXXX has no record of PHH as my mortgagee or billing party, which is highly irregular and has not been explained. 
XXXX. Failure to correct errors after Notice of Error : I submitted a formal Notice of Error to PHH Mortgage disputing account inaccuracies, escrow handling, and payment application. To date, I have not received a complete, clear, or corrective response. 
4. Incorrect delinquency information : I am disputing alleged late or missing payments that do not reflect my actual payment history. I have also filed disputes with the credit bureaus to remove any inaccurate late-payment reporting.

5. Financial harm and risk : These servicing errors have directly interfered with my ability to qualify for new financing to build a home and have caused significant financial and emotional distress.

Given the lack of transparency, contradictory information, and failure to properly account for escrow, payments, and reporting, I am extremely concerned that PHH Mortgage is not complying with its obligations under RESPA and the Fair Credit Reporting Act.

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 2026-01-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Research Inc
State: OH

Complaint narrative:
I am filing this complaint about how my federal student loans were handled after they transferred from XXXX to CRI.

I am being informed that my loans transferred to CRI in XX/XX/year> while I was in an unemployment deferment. CRI says they sent notices by email and by mail to let me know the deferment was ending and that payments were starting again. I did not receive any of these notices.

For the mailed letters, it is possible that CRI did not have my current mailing address after the servicer transfer. I did not receive any letters at my address and was not aware that my deferment had ended or that payments were due. 

For the emails, I did not see or receive them. It is possible they were sent to spam, since the sender was unfamiliar and the messages appeared to be requests for payment. 

At the time payments were supposed to restart, I was still not employed full time and was dealing with financial hardship. If I had known payments were due, I would have contacted the servicer right away to ask about options like income-driven repayment, deferment, or forbearance. 

Instead, I was surprised to find out that my loans had been reported as XXXX and XXXX  days late, which caused a sudden drop in my credit score. This has caused significant stress, especially since I had a perfect payment history before this loan transfer situation. 

I am not trying to avoid paying my loans. I am asking for this situation to be reviewed because I did not receive notice, may not have been contacted at the correct address, and was not given a fair chance to respond before my credit was negatively affected. 

I am requesting : XXXX. A review of my account related to the servicer transfer and my financial hardship XXXX. Help getting my account back into good standing XXXX. A review of the late payment credit reporting from this period to see if it can be corrected Thank you for taking the time to review this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Nelnet is reporting my federal student loan accounts as delinquent when they should not be. The same loans show conflicting late-payment dates across XXXX XXXX XXXX XXXX, which can not all be accurate. I mailed a formal written dispute over XXXX  days ago and received no response. The reported delinquencies violate federal student loan protections, including CARES Act forbearance and the federal on-ramp period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: I.C. System, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: A&D Mortgage LLC
State: MD

Complaint narrative:
My mortgage was recently transferred to a new servicer. I received a servicing transfer notice stating that the transfer was effective XX/XX/XXXX and that the transfer would not affect any term or condition of the mortgage other than servicing-related terms. The notice did not state that a XX/XX/XXXX payment was due and warned that scheduled or automatic payments might not transfer and could be canceled, requiring borrowers to confirm payment status with the new servicer. 

My official mortgage statement dated XX/XX/XXXX clearly shows the payment due date as XX/XX/XXXX for an amount of {$4500.00}. I relied on this written statement. I also logged into the servicers online portal on XX/XX/XXXX, and at that time the system continued to reflect XX/XX/XXXX as the next payment due date. I was not notified of any XX/XX/XXXX due date. 

On XX/XX/XXXX, the servicer retroactively changed the due date in their system to XX/XX/XXXX, after that date had already passed. I was told by customer service that mistakes can occur during loan transfers. I was not given advance notice of this change and had no opportunity to pay XXXX even if I had wanted to. 

As a result of this retroactive change, the servicer is now treating my account as delinquent and is stacking XXXX payments, demanding approximately {$9100.00} instead of XXXX regular monthly payment. The payment portal forces any payment to apply to XXXX, which effectively compels acceptance of an incorrect due date. 

I dispute the existence of a XX/XX/XXXX payment obligation. The delinquency, stacked balance, and any interest accrual are the direct result of servicing and loan transfer errors, not borrower action. I am requesting correction of the payment schedule so that my first valid payment under the new servicer is XX/XX/XXXX, removal of any artificial delinquency, reversal of any interest or charges caused by this error, and written confirmation that no negative credit reporting will occur.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened a line of credit in my name without my permission. The sales associate said that she was collecting information in order to perform a soft credit check, but instead submitted a hard inquiry and opened a {$5000.00} line of credit in my name with Synchrony bank. I have reported the line of credit as fraudulent with Synchrony and closed the account. The XXXX at XXXX XXXX  did not offer any assistance in the matterhe simply attributed the fraud to a communication error.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
RE : Request for Debt Validation To Whom It May Concern, I am writing in response to your reporting and/or communication regarding the above-referenced account.

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of this alleged debt. Please provide the following : XXXX. The name and address of the original creditor XXXX. The full account number of the original debt XXXX. The amount of the debt, including an itemized breakdown of interest, fees, and charges XXXX. Copies of any agreement or contract bearing my signature showing I agreed to the debt XXXX. Documentation proving you have the legal right to collect this debt XXXX. The date of the last payment and the date of first delinquency XXXX. Proof that this debt is within the applicable statute of limitations Until you provide the above documentation, you must cease collection activity and reporting pursuant to federal law. 

This letter is not an acknowledgment of responsibility for the alleged debt, nor is it a promise to pay. 

Please provide your response in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding repeated billing errors, reversed payments, improper delinquency treatment, account restriction, and inaccurate credit reporting by Comenity Capital Bank, servicer for my XXXX XXXX XXXX account. 
I pay through XXXX XXXX XXXX XXXX XXXX, which mails physical checks to the official payment address listed on my statements. Every Payment is counted late and Funds are withdrawn from my bank on the scheduled date and mailed XXXX days before the due date to ensure being on time. Despite this, Comenity repeatedly withdraws funds and later reverses or fails to credit payments internally, then treats the account as delinquent. 
Key Billing Errors XX/XX/year> {$300.00} withdrawn from my bank and later reversed internally by Comenity ( XX/XX/year> ) XX/XX/year> {$300.00} withdrawn and later reversed internally ( XX/XX/year> ) XX/XX/year> {$300.00} withdrawn and later reversed internally ( XX/XX/year> ) These reversals caused : Late fees and excess interest Artificial inflation of minimum payments ( up to ~ $ XXXX ) Suspension notices and online account restriction Negative or potentially inaccurate credit reporting These actions constitute billing errors under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ), including failure to properly credit payments and improper delinquency treatment during an active dispute. Potential violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) also apply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
On the day XXXX XX/XX/XXXX I asked to be withdrawn from the XXXX XXXXXXXX at XXXX due to bereavement and substantial financial loss ( losing my job, work permit expiring and homelessness ) I uploaded all the proof required for my withdrawal which was approved soon after. The amount i was supposed to be refunded the amount of {$5900.00} directly to Sallie Mae, the email mentions a wait of 10-30 days for it to be reflected. 30 days passed and this refund never occurred, in fact, months passed without my refund which of course added to the interest on a principal that was way higher than it should have. I CONSISTENTLY emailed staff at XXXX XXXXXXXX, called multiple times both XXXX  and Sallie Mae which both sides kept sending me to the other, effectively ping-ponging the issue for way longer than it was necessary due to no party wanting to accept their mistake and fix it, I was sent to multiple different departments each telling me a different story while my loan continued to accrue interest on an inaccurate principal. Finally after months of back and forth and no progress, on XX/XX/XXXX ( a YEAR AFTER I ENROLLED IN THE BOOTCAMP ) my loan was adjusted for the {$5900.00}, but again, this was already too late, as i had accumulated over XXXX dollars on interest due to the delayed refund and high principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: GA

Complaint narrative:
I filed a dispute due. The transaction was {$400.00}. I was only disputing the {$300.00} that I was advised by the agent via email was gon na be refunded to me. I literally responded to that email asking through what method via back to the original method I paid with or via check then they responded. Oh, they couldnt send out a refund after already stating that they were sitting on a refund and then if I wouldve never emailed them, they wouldve never even told me they were not no longer sending the refund so now they are Fraudulently keeping my money and I tried to file a dispute with my bank and they tell me because its Ach transaction they can not help me. As a customer at this bank, I would assume that my bank would have my back for a charge that was now considered fraudulent because theyre withholding my funds from me after stating they were gon na send it back. Wells Fargos and put the wrong information. The first time I called about the dispute and I wasnt aware of this until I called to check on the dispute a week later and was advised by the agent that it was updated and expedited and then two days later I call again checking on the status and Im hearing it was denied. There was no email they sent out a letter thats gon na take about 7 to 10 business days so I was not even gon na know about this because I move from the address that theyre sending the letter to. I need my funds back and Wells Fargo needs to take care of this as the service was not rendered and I was fraudulently promised a refund. I even asked to send email proof of the communication and they still they didnt accept no email proof so I dont understand how they didnt investigation without evidence or proof.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
this debt collector has not provided debt validation for this allege debt

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I sent a PayPal Friends & Family payment totaling {$130.00} to another PayPal user after being offered a product for sale. The seller explicitly required that payment be sent via Friends & Family and stated that the product would not be provided otherwise.

The transaction was represented as a commercial sale, not a personal transfer. The seller promised delivery within a specified timeframe but never provided any tracking information, proof of shipment, or access to the product.

Immediately after payment was sent, the seller blocked all communication and later abandoned or deactivated their account. No product was delivered.

I later discovered evidence that the same seller engaged in similar conduct with other victims.

The transaction originated on a third-party marketplace ( XXXX XXXX. The seller moved the transaction off-platform in violation of that marketplaces terms of service and required payment via PayPal Friends & Family specifically to avoid consumer protections. Screenshots show that I requested a protected, official sale and was refused. 

I reported the issue to PayPal through its Resolution Center and provided screenshots demonstrating that the seller required Friends & Family to bypass protections, failed to deliver the product, and blocked communication. PayPal denied the dispute and closed the case solely based on the Friends & Family classification, despite clear evidence of fraud and intentional circumvention of PayPals safeguards.

This complaint concerns PayPals failure to address fraud facilitated through misuse of the Friends & Family feature for commercial transactions, and its refusal to remediate a transaction that violated PayPals own terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: NV

Complaint narrative:
Grant & Weber is reporting a collection account that has been transferred between agencies and has not been properly validated. I requested proof of the debt and they have not provided documentation. This account is inaccurate and unverifiable. I am requesting immediate deletion from all credit bureaus.

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