vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
The company Nissan Motor Acceptance Corporation charged off my auto loan in XX/XX/XXXX. In the same month I paid two payments of {$1700.00} in XXXX that totaled {$3400.00}. I disputed the {$3300.00} that was the remainder. I was told that was principal. When I looked at my payment history, there was no principal that I owed. That was the interest from the from extensions that I was given between XXXX and XXXX. The interest was tacked on as interest in XXXX. The account was charged in XX/XX/XXXX. When I purchased the car on XX/XX/XXXX, I paid a total of {$28000.00} for the car at 15 % interest. I paid in total {$44000.00} for a XXXX XXXX XXXX XXXX. I was late over 30 times with the car payments. I could not get the car refinanced neither could I trade it in. I was stuck with the car. I satisfied every payment on that car and the maturity date has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
was served a court summons for court my identity was exposed in two data breaches with XXXX was unaware someone used my ssn I am apart of claim for XXXX which my personal information was exposed I sent jefferson capital systems all what I had to prove it was indeed identity theft they have not sent me any validation of debt just a court summons to sue me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
was served a court summons for court my identity was exposed in two data breaches with XXXX was unaware someone used my ssn I am apart of claim for XXXX which my personal information was exposed I sent XXXX XXXX XXXX all what I had to prove it was indeed identity theft they have not sent me any validation of debt just a court summons to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am submitting this complaint to request my mandatory restitution refund under the 2025 CFPB and State Regulators Consent Orders against Block , Inc. ( Cash App ). On XX/XX/XXXX, my account suffered four rapid-succession unauthorized ATM withdrawals totaling {$660.00} within a 30-minute window across multiple financial institutions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). I had my physical debit card on my person at the time, meaning my card data and PIN had been secretly cloned or skimmed by fraudsters without my knowledge. I timely reported this fraud to Cash App support and provided a formal law enforcement police report. Cash App completely violated my consumer rights under the Electronic Fund Transfer Act ( Regulation E ) by issuing a boilerplate denial on my dispute. They claimed " no error occurred '' solely because a PIN was entered, completely failing to investigate the card cloning event or look at the official police report I provided. They unacceptably told me to " contact the merchant '' to resolve a series of ATM bank robberies. Because Cash App unlawfully forced me to absorb this fraud loss due to their intentionally deficient investigation practices, I am demanding full restitution of my {$660.00} principal loss, plus any associated fees and legal interest, out of the federal consumer redress fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RECOV ASSOC Date Opened : XX/XX/year> Balance : {$1000.00} Account number : XXXX I have sent letters to them stating that this is not my debt and they still have not removed this account off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
Approved for {$2400.00} by Acima.com on XXXX XXXX XXXX to have truck repaired at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX Tel : XXXX. XXXX XXXXXXXX diagnosed my truck and called me and said I needed wheel bearing hub assembly- front, oxygen sensor, tie rods and they could fix oil leak, but I really came there to fix the sound truck was making and the vibrationXXXX XXXX XXXX kept my truck for 13 days and when I got truck back it was doing the same thing it was doing when I brought it in, only problem is I still have a bill for {$2200.00}. My payment with Acima would be approximately {$420.00} a month + applicable fees for 12 months approximately {$5000.00} unless I pay off in 90 days, I would not be writing this statement if truck had been repaired. I had to call police a couple times in this 13 day period of time because I kept getting the run around, like truck will be fixed but waiting on someone else to press in wheel bearing, that changed to wrong parts, that changed to were test driving it but still same problems and through the whole process they were hard to get on the phone, when I finally got truck back I had to call them again late evening just before they closed and they finally released my truck, when I picked up the truck someone left 4 brand new tires in the back of it so I removed them and called police again and took pictures and called the owner but again no answer. This was a 13 day nightmare, I have called Acima twice to resolve the payment part and they did try to settle for {$1700.00} but thats a ton of money for services promised but not received. Dont go to XXXX XXXX they are very unprofessional and I dont know how Acima can continue doing business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: IL

Complaint narrative:
I recently opened a new Citi credit card account which is AA advantage card that offers XXXX advantage miles if you charge a certain amount within a two month period. I had used it several times without issue. But yesterday it was declined. I went to my account online and it said to contact the fraud department. When I called today, XXXX, they asked for my phone number. I gave them my phone number which is listed on their online site and I was calling from it. They said it couldn't be verified. My cell phone is on my son 's XXXX business account I am the authorized user of that line, but the number must not match my name in their identity verification system. It probably shows the information for the owner of the business, which is my son and his partner. I had this information but they wouldn't accept it. This is the sole reason phone verification fails, not because I am not who I say I am. When the phone number failed, they asked if I had another Citi account. I provided one that I used less than a year ago, which I was able to access online also. It is not inactive. They said it shows as inactive in their system and would not accept it as verification either. They would not attempt any other form of verification no Social Security number, no date of birth, nothing. I am completely locked out through no fault of my own. Citi has told me they will mail a letter in 7-10 business days. If it even arrives without incident, then they will still have to cancel the cards after I call them and give them a confirmation code from the letter. Then I will have to wait probably another week or two to get new cards. I only have a few months to use my card enough to meet the requirement to get my XXXX XXXX advantage miles. I should not have to wait two weeks to even talk to them about my account, especially when their own verification system is the problem not my identity. I am requesting that Citi expedite resolution and unlock my account through an alternative verification process immediately. This has never happened before. A month or two ago, I had a XXXX XXXX XXXX that was used fraudulently and I had no problem talking to the fraud department and getting my new credit card which they expedited. They did not have a problem verifying I was the owner of the account.

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 2026-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
I am submitting a complaint regarding inaccurate loan servicing and repayment plan information by EdFinancial. I had 8 federal student loans serviced by EdFinancial that were in Standard Repayment since approximately 2022. My XXXX account reflects these loans as being in Standard Repayment, and I consistently received monthly billing statements showing the same payment amount due. Separately, I had 2 loans previously serviced by XXXX that were consolidated, placed into the SAVE plan, and approved for school closure discharge. Those 2 loans are pending forgiveness processing. After the 2 loans transferred to EdFinancial, all of my loans were placed into forbearance and the original 8 loans were suddenly listed as being under the SAVE plan, despite me never requesting or authorizing SAVE enrollment for those loans. When I contacted EdFinancial to dispute this, the representative stated on a recorded line that the 8 loans had always been on SAVE, even after I explained that studentaid.gov reflects Standard Repayment. The representative also stated that EdFinancials records would be more accurate than XXXX because they are the loan servicer. I requested a correction to the repayment history and account records, not a repayment plan change. However, I was instead told I needed to choose a repayment plan. No correction, formal resolution, or follow-up has been provided. I am requesting correction of the 8 loans back to Standard Repayment unless documentation exists showing I authorized SAVE enrollment, along with confirmation that my pending school closure discharge remains unaffected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I returned my XXXX XXXX XXXX lease vehicle on XX/XX/XXXX, and fully paid all lease-related balances requested by the lender. However, more than five months later, the bank/lease company still has not finalized or closed the account. Despite multiple follow-ups, I have not received a final resolution or written confirmation that the lease obligation has been satisfied. This unresolved account is negatively impacting my financial profile and interfering with my ability to purchase a home. I am requesting immediate closure of the lease account, written confirmation of a XXXX balance, and correction/removal of any remaining liability associated with this lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc.
State: TN

Complaint narrative:
Hello, on XX/XX/XXXX I opened a Skrill account for my sister in law from XXXX to send me XXXX $ I lend to her, Im in the XXXX. on the same day for no apparent reason and without an email saying why they restricted my account, my brother told me they do that and to wait, which I did. on XX/XX/XXXX I was able to log into my skill account and start the withdrawal to my XXXX account. On XX/XX/XXXX I went to check my money transfer status to find out that my account was closed ( again no email or notice about it, not in spam or anything ). I proceeded to try to contact them to find myself on a bot loop with no help, ( prior to that I tried to call on their customer service on the days XX/XX/XXXX and XX/XX/XXXX to no answer for them ) after many tries and a lot of stress on agent answered, he said he was going to check my account, I waited and then he proceeded to say " your account is closed '' with no answer to my questions and no help in how to recover my money. on XX/XX/XXXX I Called my bank and they said there is no transfer initiated. I tried to log in again just now on XX/XX/XXXX and now it says my account is restricted instead of closed again, even more confusing behavior. I'm very worried after reading all the reviews with people saying they never recovered their money, so I'm not waiting any longer in case it gets worse. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Hello Cash App Support, Im very upset because Cash App took {$25.00} from my account for a Borrow loan repayment when I wasnt ready to pay it yet. That {$25.00} was the money I had set aside for food, and Im a broke XXXX XXXX Because it was taken, I wasnt able to eat. I was going to pay the loan back after I got my financial aid refund next week. I reached out to support for help, and the support person named XXXX did not help me. They stopped responding and basically ghosted me instead of explaining anything or helping me resolve the issue. Im asking for this to be reviewed immediately. I would like a clear explanation of why the money was taken, why I wasnt helped by support, and whether the {$25.00} can be returned or credited back to me due to the hardship this caused. Please escalate this to someone who can actually help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Servicer under contract with Federal Student Aid
State: MS

Complaint narrative:
Its been on my credit for 13 years and I dont know why its still on there its 2026. Its hindering my credit to where I cant get nothing in my name. Im a single mom trying to get me a house for me and my kids. And they told me thats the only thing that keeping me from going through the process of getting a house.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: PA

Complaint narrative:
I am an approved successor in interest on a mortgage serviced by XXXX XXXXMidFirst Bank XXXX I am the sole owner on the deed. XXXX formally approved my successor in interest status but continues to deny all loss mitigation assistance based on the prior borrowers default history and previous assistance plans. I am a separate individual and should not be held responsible for the prior borrowers history. XXXX is also refusing to allow me to assume the loan citing the past due balance of approximately XXXX months as the reason for denial. I have been consistently making current monthly payments and my financial situation has significantly improved since XX/XX/year>. I believe XXXX XXXX is violating : CFPB Regulation X mortgage servicing rules Federal successor in interest protections RESPA servicing guidelines A previous CFPB complaint was filed and closed without adequate resolution. I am requesting this complaint be escalated and that XXXX XXXX be required to evaluate me for all available loss mitigation options based solely on my own financial history as the approved successor in interest. I am at risk of foreclosure despite actively trying to resolve this situation and have also filed complaints with the XXXX Attorney General and contacted XXXX XXXX XXXX XXXX XXXX I I have also filed complaints with the CFPB which was closed without resolution. Also go by XXXX XXXX that is my legal name and the name they have me on as the successor

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 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America ( BOA ) for failing to honor verbal agreements made by their representatives and for maintaining an unnecessarily complex and dysfunctional AutoPay system that led to unfair financial penalties. Background and Timeline : Initial Issue : On XX/XX/year>, I noticed a {$29.00} Late Fee on my credit card account. I contacted BOA customer service immediately to resolve this. Resolution & Confirmation : During the call on XX/XX/XXXX, the representative agreed to waive the late fee. Most importantly, I specifically asked the agent to verify if my AutoPay was correctly configured to prevent future issues. The representative confirmed that the AutoPay system was successfully set up and assured me that no further action was needed. Further Penalties : Despite these assurances, on XX/XX/year>, I was charged an Interest Fee of {$170.00}. This interest accrued solely because of the initial payment delay, which resulted from the technical difficulty of navigating BOAs unintuitive XXXX setup. Second Contact : I called BOA customer service a second time regarding the interest charge. The agent acknowledged that the late fee had already been waived on the XXXX and agreed that the interest charge was inconsistent with the previous resolution. They stated they would submit a request to waive the {$170.00} interest fee. Rejection : Shortly after, I received an email from BOA stating that my request for an interest waiver was denied. Reason for Dispute : I have demonstrated a clear intent to pay my balance in full and on time. The failure to pay was a direct result of : A confusing and difficult-to-navigate AutoPay interface. Misinformation provided by BOA representatives who explicitly confirmed my AutoPay was active when it clearly was not processing correctly. It is predatory to penalize a consumer with high interest charges after a company representative confirmed the account was in good standing and the automatic payment system was functional.

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 2026-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account XXXX XXXX # XXXX I'm Unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am filing this complaint because Chime has repeatedly denied my disputes regarding unauthorized transactions and XXXX orders that were never received, despite multiple attempts to resolve these issues. I disputed several XXXX transactions after packages were marked as delivered but were never actually received by me. I contacted XXXX and attempted to work through Chimes dispute process multiple times. I submitted disputes on three separate occasions, and each time Chime denied my claims without resolving the issue. These transactions resulted in losses totaling over {$1000.00}. In addition, there were multiple XXXX transactions charged to my account that I did not authorize. I disputed those charges as unauthorized transactions, but Chime denied those disputes as well. Supporting screenshots and transaction information were included with my submissions. I have made every reasonable effort to resolve these matters, including contacting the merchants, providing documentation, and repeatedly disputing the transactions through Chime. Despite this, I have not been reimbursed for transactions I did not authorize or for merchandise I never received. I am requesting a full review of these disputes and an explanation of why my claims continue to be denied despite the evidence provided. I should not be held financially responsible for unauthorized charges or missing deliveries that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I am asking for a manual, compassionate goodwill review of the negative credit reporting identified in this package. I am not submitting this as a settlement demand or as an attempt to avoid responsibility. I am asking the company to look at the human circumstances, the attached documentation, and my good-faith effort to stabilize after a period of repeated job loss, medical crisis, and identity-theft disruption. Account ( s ) covered : XXXX ; XXXX ; XXXX ; masked second loan Bureau coverage : XXXX, XXXX, and XXXX Requested goodwill action : remove all 30-day and 60-day late marks, modified-loan derogatory comments, and adverse status on both Upstart loans. XXXX shows two Upstart accounts with 7 late payments each. XXXX supplement shows two Upstart loans with 60-day status and bureau mismatches.

Company response to consumer: Closed with explanation