vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I originally tried to get out of this program when I learned it was all sales. High pressured sales scam. I already graduated high school in XXXX. What the XXXX did I need another diploma for in the first place. This school passes on loans like its nothing life changing, threatening, or anything. They pretend its all paperwork. Leaving people on the hook, XXXX especially promising careers following graduation. At the first hint of this is not going to be a good thing for me. They pulled me in a meeting. Berated me to feel like I would be kicked out. When I was willing to go out immediately. The classes are XXXX weeks and on to a new subject. Its test test test, so they get bonuses from students testing. I recognize bad sales manners and I called people out on their XXXX. Teachers to be blunt. If youre going to tell people they are going to be able to work in XXXX. Then they need to come up with a solution. Because I speak for many people. Not just myself. This school needs to be investigated for fraud. And I will continue to share my experience with others, so that other people are not mislead and left paying off a balance for a job they will never work in. The job they pretended to set up for me. I already had my foot in the door. I already received an offer letter to start with XXXX. My XXXX worked for XXXX part time at XXXX XXXX XXXX. I was also employed at XXXX XXXX XXXX ; Maryland XXXX. Up until my XXXX died off XXXX all the sudden. These people mislead veterans, people who will never work in this industry. And lied and pretended I would be working in cyber security. Yeah after resigning back up for more classes more debt, I never retested after the first testing that went horribly wrong and so fast. This stress brought on so much stress at home. I will never forgive these XXXX XXXX. And I want nothing more than to expose them and I want freedom from these scammer, and if requires me to defame them every post they post n XXXX, I will continue, my work. Because they should not have license to destroy lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I am requesting assistance regarding repeated unsuccessful attempts to obtain clarification from MOHELA about my repayment options. I previously applied for Income-Driven Repayment ( IDR ) plans, including PAYE and IDR options, but those applications were denied. I was informed that the only remaining available repayment option was the Income-Contingent Repayment ( ICR ) plan. My concern is that when I review the repayment options through the loan simulator, the ICR plan is only displaying a XXXX repayment term. The monthly payment associated with this XXXX term is approximately double my current payment and is not financially feasible for me. My understanding is that ICR plans are generally structured over much longer repayment periods ( commonly up to XXXX years ), with payments adjusted based on income. Because of this, I contacted MOHELA multiple times seeking clarification regarding : * Why the ICR plan is only showing a XXXX term for my loans * Whether this is accurate for my specific loan situation * Whether there is an error with the loan simulator or my account * Whether a longer ICR repayment term is available I XXXX contacted MOHELA by phone but remained on hold for more than XXXX hours without being able to speak with a representative. I then submitted several written inquiries through MOHELAs messaging system. In my messages, I clearly explained that : * I am willing to enroll in the ICR plan if I do not qualify for other IDR plans * I want to remain in repayment and avoid delinquency * The displayed XXXX repayment term results in unaffordable monthly payments * I needed clarification specifically regarding the repayment duration MOHELAs responses did not address my actual question. Instead, I repeatedly received generic template responses, including : * Statements that I had already received a response from customer service * General descriptions of IDR plans * Instructions on how to apply for IDR plans * Links to StudentAid.gov and the loan simulator * Information about SAVE plan processing and forbearance None of the responses explained why my ICR option is limited to XXXX XXXX or whether a longer repayment term is available. I then submitted a more detailed follow-up message specifically asking : XXXX. Why the ICR plan is showing only a XXXX repayment term XXXX. Whether the XXXX term is accurate for my specific account XXXX. If so, what is causing this limitation XXXX. If not, how I can enroll in a standard longer-term ICR plan MOHELA again responded only with a generic message directing me to review general information about IDR plans on XXXX, without addressing my account-specific question.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
My card was lost, I called to report the card being lost. I had to travel out of state to receive a new card. I received a new card, but the funds never transferred to my new card. Im expecting my money to transfer to my new card, as they claim an instant transfer, but it says theres a XXXX balance on my new card. The institution acknowledges that I have money to transfer, but no transfer has been made. I went in to retrieve the card XX/XX/year>, today is XX/XX/year>. I reported the card lost XX/XX/year> & waited for a replacement to come in the mail, that card never came, thus causing me to travel to collect my card and funds in person towards the end of the month. To which no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX transported me to the ER on XX/XX/year> for an emergency transport. Bill was sent to XXXX insurance, XXXX has contacted GEMS multiple times on my behalf to correct issues with the bill. According to the explanation of benefits from XXXX the total was negotiated down to {$520.00} and was then paid with {$0.00} patient responsibility. Almost XXXX years later I received an alert from XXXX that there was a reported collection on my account for this bill. Not only was I never notified that they were attempting to bill me further, XXXX informed me they had been told they are not allowed to bill me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
I am disputing this collection account because I have no record of any business relationship, agreement, or contract with this collection agency, nor do I recognize this alleged debt. I previously disputed this item, but it was verified without proper validation. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that this company provide full, documented validation of this debtincluding the original contract bearing my signatureor immediately delete this unverified and inaccurate account from my credit profile.

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 2026-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc.
State: MO

Complaint narrative:
I am filing a new complaint regarding a private student loan trade line currently listed as XXXX/Earnest ( XXXX XX/XX/XXXX, current balance approx. {$13000.00} ), with XXXX acting as the lifetime servicer. This is a distinct legal matter regarding institutional fraud, separate from standard federal refinancing inquiries. This debt originated entirely as an institutional " Apex '' gap loan issued directly by the financial aid office at XXXX XXXX to bypass federal lending limits. The U.S. Department of Education has issued formal group discharge findings ( Case Number : XXXX ) confirming that XXXX XXXX engaged in systemic consumer fraud during my enrollment window, completely discharging my federal balances. In XX/XX/XXXX, XXXX denied my request for a School Misconduct Discharge Application using a boilerplate excuse that my account status is a " Refinance. '' This directly violates the FTC Holder in Due Course Rule. Because this private debt was a direct, school-originated predatory product, the current holder and servicer are legally bound by the school 's underlying fraud. They can not utilize commercial " refinance status '' to bypass the FTC Holder Rule and continue extracting high interest on an unenforceable contract born of fraud. I request the CFPB compel the company to provide the discharge application and review the account based on the attached Department of Education fraud determinations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
FDCPA 15 U.S.C. 1692g & 15 U.S.C. 1692c ( c ) Debt Collector Information Section 1 Purpose of This Notice This document serves as both : A formal request for debt verification under 15 U.S.C. 1692g, and A cease and desist demand under 15 U.S.C. 1692c ( c ). I dispute the alleged debt referenced by your company and request full verification. Section 2 Required Debt Verification ( FDCPA 1692g ) Please provide the following documentation : Original creditor information Full account number associated with the alleged debt Itemized breakdown of all amounts claimed ( principal, interest, fees, penalties ) Copy of the original signed contract or agreement Proof of your legal authority to collect ( chain of title, assignment, purchase records ) Date of alleged default Date of last payment Statement confirming whether the debt is within the statute of limitations Your state license number ( s ) and collection jurisdictions Until this information is provided, you must cease all collection activity, including credit reporting. Section 3 Cease and Desist Demand ( FDCPA 1692c ( c ) ) Effective immediately, you must stop all communication with me regarding this alleged debt. Under federal law, you may only contact me to : Confirm that collection efforts are being terminated, or Notify me of specific legal remedies you may lawfully pursue Any other communicationincluding calls, letters, emails, texts, or thirdparty contactwill constitute a violation of federal law. You are also instructed not to contact my employer, family, neighbors, or any third parties. Section 4 Notice of Intent to Report Violations If you continue collection efforts without providing verification, or if you contact me in violation of this cease and desist notice, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General I will also pursue all remedies available under the FDCPA, including statutory damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding a medical bill that has appeared on my account which I do not recognize or recall receiving responsibility for. After carefully reviewing my medical records, billing history, and payments made to healthcare providers, I have found that all known medical balances on my end have already been paid in full. At this time, I am unaware of the origin of this alleged debt and have not received sufficient documentation validating the account. Because of this, I am requesting verification of the debt, including the original provider name, dates of service, itemized charges, proof that the account belongs to me, and documentation showing that the balance remains unpaid. Thank you for your attention to this matter, and I look forward to a prompt resolution.

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 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
The company XXXX XXXX XXXX purchased a debt from Synchrony Bank on my behalf and I called them to make payment arrangements on the debt. I decided to work with XXXX and from XXXX XXXX XXXX made a total of XXXX payments to this company in the amount of {$560.00}. However, after I requested that they validate the debt in writing, provide a full payment history, provide the chain of custody, or cease all collection efforts, they did not respond back to me at all. Their name was never on my credit reports as the owner of the debt, but had Synchrony banks address ( which is wrong ) and their phone number. I called Synchrony bank on XX/XX/year> to find out what happened because my credit reports does not represent the correct amount deducted which I paid on this account. I spoke to someone name XXXX who stated that the debt was charged off and they have the debt back from XXXX XXXX XXXX. I asked how this happened and I was not contacted. She stated she did not know why. I proceeded to ask why I was not provided the information that I requested from XXXX XXXX XXXX. She stated she did not know that answer as well. I told her that without the information, I was not going to help responsible to pay this debt. I also requested information on the amount that they stated I owed. However, it does not agree with what I paid. I sent multiple letters to XXXX XXXX management as well as Synchrony bank explaining this ordeal and how it should have been handled. I have not gotten any resolve from them. I also requested the XXXX form that they filed with the IRS concerning this debt, because of the charge off status, and fully being made aware that I was to file this debt on my taxes as income, but was told they decided that this debt was not eligible for a XXXX form with the IRS, and stated the debt had to meet a certain criteria which was not provided to me. When XXXX had the debt, the supervisor offered me a decreased amount of {$590.00} due to the nature of harassment and negative behavior of their representative XXXX XXXX that I had experienced. I agreed to pay this, but not before they sent me the information I requested when I spoke to the supervisor on the phone regarding validating the debt, providing the new amount in writing, and providing the chain of custody. I have not heard from Monarch since my request back on XX/XX/year> @ XXXX am when I spoke to XXXX XXXX 's supervisor XXXX XXXX XXXX.

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 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
XXXX XX/XX/XXXX at XXXX PM I sold a merry chef XXXX speed oven. Customer stated they only had XXXX instead of my normal PayPal. I explained that if I were to deliver, the cost would be more than I can afford and he requested it today, and hed pay for it. Upon arrival, I left the equipment to him and he sent me the funds via XXXX so I can get home. XXXX is holding the funds for XXXX days, after taking {$19.00} from it. Charging a fee then holding for a month is a service that isnt acceptable in this environment, especially when a prior agreement was made for the other party to pay for transportation. If its to pay for same day transport then a XXXX day waiting period isnt lawful in any way. Its beyond a verbal agreement between XXXX companies. To make matters worse, XXXX has no direct line, just a customer service department to help guide account login issues. Meaning theres nothing available to release held funds or escalate to. If something happens with the transaction then I lose out on over a XXXX dollars and no way to get my merchandise back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I filed a dispute with Chime on XX/XX/year> regarding a transaction issue and submitted substantial supporting evidence, including XXXX tracking information and email communications with the merchant. The documentation clearly supported my claim ; however, Chime denied my dispute and refused to issue a refund. After the denial, I requested a written explanation detailing how the investigation was conducted and the specific reasons my claim was denied. Chime failed to provide this information. I then reopened the dispute and resubmitted the same supporting documentation, yet I still have not received any investigation findings, determination letter, or meaningful explanation regarding the denial. On XX/XX/year>, I spoke with a supervisor named XXXX seeking assistance and escalation information. During the call, I was told there was nothing further she could do and that I would simply have to wait. I also requested contact information for Chimes corporate or executive office and was not provided with it. I believe Chime failed to properly review the evidence submitted and failed to provide transparency regarding the handling of my dispute. I am requesting : A complete explanation of the investigation process and findings, A copy of any denial or determination letter, The evidence relied upon in denying my claim, Proper escalation and review of my dispute, Compliance with applicable consumer protection laws regarding dispute investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation