vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CO

Complaint narrative:
I'm struggling with my bills because my primary income ended two months ago. Last month my income was {$120.00} and this month it was {$60.00}. Before that I had steady XXXX XXXXXXXX work where I was just scraping by for six months, and before that I was unemployed going back to a layoff in XXXX of XXXX. I am on XXXX and XXXX. I have gone through all unemployment benefits and savings and I only have {$400.00} in the bank. I will not be able to pay a few different bills this month, including Sallie Mae. I have had a steady record of on-time payments except for a single one-month deferment last year. I owe {$99.00} on XX/XX/XXXX. I called them a little while ago ( XX/XX/XXXX ) to ask for any options they may have, such as deferment or load modification, and the representative said that they don't have anything for me because my account is not yet delinquent. She said that once my account status changes to delinquent their collection department will get in touch with me and they may have options. I'm filing this complaint to request that my account be reviewed or escalated to a supervisor so that some alternative can be offered before my credit is damaged. I don't think I should have to let my account go delinquent in order to have some alternative worked out, especially after paying them on time for a number of years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I have been paying into a credit protection program with XXXX. We have fallen on hard times due to some damage to our house and my father in law having XXXX. I asked aspire to assist me to get the protection going and asked for the email for credit protection since Im hard of hearing and its easier for me to process over email instead of on the phone. XXXX initially fought me on this matter and then eventually gave me the email. It has been over 9 days since I have emailed their credit protection team with no assistance. Now I keep getting emails that Im overdue and phone calls but they can not be bothered to process my credit protection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I was looking for a taxi cab in XXXX XXXX XXXX and a XXXX town car parked nearby said he could give me a ride for {$140.00} which is an exorbitant rate to travel XXXX blocks and I said ok and gave him my citi XXXX XXXX card ending in XXXX. He said the card did not work and that I had to pay by XXXX which I did. Apparently he lied and ran charges on my card on that evening- first showing up as XXXX charges as a taxi charge and then as XXXX charges as an XXXX use. I have been repeatedly calling and trying to dispute the charges he has fraudulently run with citi card and they keep blaming me and claiming I filed out some form incorrectly - again, I paid him {$140.00} via XXXX, he lied about my card not working and then he ran charges anyway and he changed the amounts and vendors- so now Citi is saying I only disputed {$140.00} of the {$190.00} he last posted- I have been calling daily to explain that this is an unauthorized charge and I have been spoken to very rudely by Citi, even hung up on, and they are dragging this out forever. They even 'want to get his side ' of the story. I am extremely frustrated with this situation. VERY frustrated - everyone is very confused when I call the billing department. I get different answers from different people - I would like the {$190.00} refunded to my account and an apology from citi for the insanely bad customer service. I have uploaded my XXXX account snapshot as proof I did not use XXXX for {$190.00} that evening, my XXXX screenshots to prove I paid this driver {$140.00} via XXXX, and my dispute form. Now, Citi is attempting to claim I am responsible for this {$190.00}? This is completely insane...

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 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
The account was closed XX/XX/year> has been charge-off XXXX write-off by credit grantor.

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 2026-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am submitting this complaint regarding a charged-off credit card account with Navy Federal Credit Union XXXX This account was charged off in the amount of approximately {$20000.00}. I have not received a Form 1099-C ( Cancellation of Debt ) nor have I received clear documentation explaining whether the debt has been forgiven, canceled, or remains actively collectible. I am currently experiencing extreme financial hardship, including homelessness, unemployment, and reliance on public assistance to support myself and my XXXX children. Because of this situation, I am unable to make payments under the current terms. I am requesting the following : XXXX. Written clarification of the current legal status of this debt. XXXX. Confirmation of whether a 1099-C was issued or will be issued. XXXX. Explanation for why a 1099-C was not provided, if the debt was charged off. XXXX. A full review of my account for possible hardship accommodation, reduction of balance, or settlement options based on my current financial circumstances. XXXX. Correction of any inaccurate or incomplete credit reporting related to this account. Given my severe hardship, I am asking Navy Federal Credit Union to review this account for potential debt relief options, including settlement or forgiveness consideration, in accordance with applicable policies. I am requesting a written response so I can understand my options and resolve this matter appropriately. Thank you for your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I do not have any knowledge of this account. i checked my credit report and immediately didnt recognize it. i disputed with the ftc as well

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I am attempting to dispute a lease-end charge assessed by Kia Finance America , but Kia Finance has not provided a meaningful way to resolve the dispute or communicate with the department responsible for reviewing it. The disputed amount is approximately {$900.00} in lease-end excess wear charges, plus any related taxes and fees that may have been calculated from that amount. The total balance claimed is {$1900.00}. Timeline : On XX/XX/year>, I called Kia Finance to dispute the charge. I was told I would need to wait for a supervisor. After an extended hold, I was told no supervisor was available and that I would receive a callback. After receiving no callback, I called again on XX/XX/year>. I was told a supervisor had attempted to contact me on multiple prior dates, but I have no record of missed calls or voicemails corresponding to those attempts. I again requested a supervisor and was told none was available. I also requested that collection activity be paused while the dispute was reviewed and was told that was not possible. On XX/XX/year>, I sent formal written dispute letters by certified mail to both Kia Finance mailing addresses that I could identify : the payment address in XXXX, Texas and the correspondence address in XXXX XXXX, California. XXXX confirmed delivery of both certified letters on XX/XX/year>. On XX/XX/year>, I called Kia Finance to verify receipt. The representatives stated they had no record of the letters, could not transfer me to the department responsible for disputes, could not provide a phone number or email address for that department, could not verify whether the addresses used were correct, and could not place the account on hold while the dispute was pending. I was told the only way to communicate with the dispute department was by mail, but no method was provided to confirm receipt, discuss the dispute, provide additional information, or determine the status of the review. My concern is not merely the underlying charge. My concern is that Kia Finance appears to have no accessible process for consumers to communicate with the department responsible for reviewing disputes, while continuing collection efforts on the disputed balance.

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I initiated a XXXX payment for {$990.00} from my bank account to a recipient account at Wells Fargo. The transaction shows as pending and has not been completed or delivered to the recipient. I have confirmed with my sending bank that the funds were sent through XXXX, but the payment has not been successfully received, completed, or returned. The status has remained pending without a clear resolution or explanation. I contacted Wells Fargo customer support to determine the status of the transfer. However, I did not receive a clear explanation of why the payment is pending, when it will be completed, or whether it is being held, delayed, or rejected. I was not provided a clear timeline or resolution process. At this time : * {$990.00} is still in a pending XXXX status * The funds have not been received by the recipient * The funds have not been returned to my account * I have not received a clear resolution or detailed explanation from the bank I am requesting that the issue be fully investigated, the status of the transfer be clarified, and the funds either be delivered to the correct recipient or returned to my account without further delay.

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 2026-06-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Issue : Deceptive Trade Practices, Failure to Conduct a Meaningful Dispute Investigation, and Violation of the FTC Holder Rule. Total Disputed Amount : {$5000.00} Company Being Complained About : Barclays Bank Delaware I am rejecting Barclays ' determination and filing this complaint because the credit card company has failed to properly resolve a critical billing dispute on my statement. This transaction was processed directly at the point of sale by the merchant, XXXX XXXX ( operating legally as XXXX XXXX, XXXX ), and was induced entirely through fraudulent misrepresentations, predatory " bait-and-switch '' pricing tactics, and an intentional withholding of system access designed to bypass my consumer cancellation rights. Barclays has consistently failed to handle this dispute in good faith. I initiated a dispute through my account on their online portal on XX/XX/year>. Around XX/XX/year>, I received a letter from Barclays claiming they closed their investigation because they were " unable to reach me. '' The letter explicitly stated that I could reopen the matter by faxing all additional supporting documentation gathered since XXXX to the number they provided. I strictly followed their instructions and successfully faxed the complete evidence package detailing the merchant 's fraud. Despite this, Barclays ignored the faxed evidence and summarily declined the dispute, failing to provide any meaningful verification or substantive information regarding their review. They chose instead to accept the merchant 's boilerplate denial at face value without addressing the core elements of fraud. Pursuant to the mandatory dispute resolution terms of the underlying contract, I have formally escalated this matter to individual binding arbitration. Please reference active JAMS Case : 'Demand For Arbitration - XXXX XXXX XXXX XXXX XXXX / XXXX XXXX, XXXX # XXXX '. Because this account was used directly at the merchant 's table to finance a predatory vacation membership, Barclays remains legally subject to all claims and defenses that I can assert against the merchant under the FTC Holder in Due Course Rule. A financial institution can not legally enforce or collect a balance tethered to an actively arbitrated, fraudulent contract. Furthermore, a cease and desist/dispute status has already been established on concurrent lines of credit for this exact transaction via the CFPB ( see XXXX XXXX regulatory file ). I demand that Barclays reopen this transaction issue, properly flag the account as " Actively Disputed under XXXX XXXX # XXXX '' to protect my credit profile, and charge back the fraudulent balance in full.

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 2026-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, credit collection services contacted me about a debt from XXXX XXXX XXXX regarding an old bill that doesn't belong to me, but it's on my credit report. Here 's their number. XXXX reference number # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My name is XXXX XXXX, my date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. I am writing to address an incorrect entry on my credit report concerning an account with SYNCB/AMZN, account number ending in XXXX, which is listed as derogatory on my XXXX credit report. The reported balance is {$0.00}, yet the status remains derogatory, which negatively affects my credit score. This account is inaccurately affecting my ability to obtain credit and manage my financial health. I have not authorized any derogatory reporting for this account, and there is no outstanding balance that justifies such a status. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. This incorrect reporting constitutes a violation of the FCRA, as it does not reflect the true status of my account. I have contacted XXXX directly to dispute this incorrect information and requested an investigation into this matter. Despite my efforts, the derogatory status remains on my report, impacting my XXXX credit score negatively, which is currently XXXX. This incorrect reporting has caused significant stress and has hindered my ability to secure credit at favorable terms. I am requesting that this account be thoroughly reviewed, and the derogatory status be removed from my XXXX credit report. Furthermore, I request that this account be removed from all three major credit bureausXXXX XXXX, and XXXX ensure that my credit information is accurate and reflects my true creditworthiness.

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 2026-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: NM

Complaint narrative:
To whom it may concern, I am filing an official complaint against Kraken ( XXXX XXXX XXXX XXXX XXXX ) for withholding access to my financial assets without notice, explanation, or human support. Over the weekend, I initiated two seperate cryptocurrency withdrawals ( XXXX and XXXX ). Both transactions have been stuck in a " pending/In progress '' status for over 72 hours. I have logged into the full desktop platform and verified there are XXXX flags, red banners, or restriction alerts on my account. Furthermore, checking the public blockchain explorers for both generated Transaction IDs returns " Transaction not found, '' The stuck XXXX Transaction ID XXXX and the stuck XXXX Transaction ID is XXXX, proving this is a backend technical broadcast failure on Kraken 's part. Kraken has completely blocked me from my funds, and their automated chatbot refuses to connect me to a human specialist because a support ticket is already open. I am trapped in an automated loop with no way to reach a human representative. I demand that Kraken immediately escalate this to a systems engineer to manually cancel or rebroadcast these stuck transactions and release my funds. Thank you, XXXX XXXX Kraken support ticket number : 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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
XX/XX/year> I returned a rental car to XXXX. My checking account was debited {$970.00}. I have disputed this amount with documentation. Golden One has refused to refund the transaction. XXXX has replied with multiple fraudulent billing documents. Most make no sense or have different explanations.Golden One then closed my account leaving it with a negative balance. I had made a payment on XX/XX/XXXX to XXXX from my Golden One checking account and this payment paid until XX/XX/XXXX. They are requesting payment from XX/XX/XXXX to XX/XX/XXXX. I appealed their decision and was rejected a second time. The dates they are asking for payment are not correct. I have a history with XXXX and have consistently paid my bills on the date they are requested. The afternoon I returned the car he requested {$550.00}. This amount was not correct. I owed 4 days to close contract He gave me a phone number to call and pay within 30 days and wrote amount due on a piece of paper. I requested a receipt because I returned vehicle. He emailed it, when I opened email it requested a larger amount. He said he would not charge my account either before I left and he did use my account for {$970.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
on XX/XX/XXXX XXXX of my clients have given me a check check bounce then my account has been frozen up to today XX/XX/XXXX, the funds from the check provided for XXXX of my clients has been stuck in there along with all of my available funds from previous job jobs from clients, etc. for the past almost XXXX months I have been getting the same answers about still being account on hold frozen under investigation under the fraud department and I just don't get nowhere spending days and hours trying to get a response, up until today, XX/XX/XXXX. I still yet have to receive a letter explaining the situation of why my account was closed.

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 2026-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am writing to dispute an incorrect derogatory mark on my credit report from SYNCB/AMZN related to account number XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. According to XXXX, this account is listed with a balance of {$0.00} but is still reported as derogatory, which I believe is inaccurate and unjustly harming my credit standing. After reviewing my credit report, I noticed that this account is inaccurately impacting my credit score, as my XXXX score is currently XXXX. This incorrect reporting is also affecting my ability to secure favorable credit terms, which has had a significant detrimental impact on my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I have not received any notification or documentation from SYNCB/AMZN explaining the derogatory status of this account, especially given that the balance is {$0.00}. This lack of transparency and communication does not comply with the FCRA 's requirements for accuracy and completeness in credit reporting. I am requesting a thorough investigation into this matter and the complete removal of this account from all three credit bureaus : XXXX XXXX, and XXXX. The incorrect derogatory status is misleading and unjustly affecting my credit profile. I trust that you will address this issue promptly and accurately to ensure that my credit report reflects true and complete information. Thank you for your attention to this urgent matter.

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