vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Nelnets Lack of Communication XXXX  My XXXX Needs to Be Addressed I just found out that Nelnet reported my student loan payments as delinquent without any prior notification, and my credit score dropped from XXXX to XXXX because of it. 

Heres what happened : My loans were deferred, then deferred again. Payments were confusing as could be. Nelnet never contacted me to let me know payments were due againno calls, no emails, no mail. Completely unprofessional and seems illegal. On XX/XX/XXXX, they reported my payments as delinquent ( likely over 90 days ). I only found out because I happened to check my credit score on my XXXX app and saw it had tanked. 

I immediately called Nelnet, made a payment to bring my account current, and asked what they could do about the reported delinquencies. They said nothing, but they did file a credit disputenot sure if that will actually help.

I also sent an email to Nelnets customer service explaining the situation and will update if they respond. 

Bottom line : We need to be vocal about this. If this has happened to you, speak up! Nelnet ( and other servicers ) should not be allowed to destroy credit scores without proper notice. Lets make noise so this gets addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XXXX  XX/XX/XXXX I received a chase fraud alert text from Chase confirming a purchase in XXXX. I live in XXXX. I replied XXXX that it was not me. Immediately after I received a phone call from chase fraud prevention stating that my account has been compromised and that there was a litany of charges that occurred. Over the next 4 hours the scammer kept me on the phone stating they were working to secure my account and cancel the fraudulent charges and reverse them. They were sending me push through texts requesting information about my account which I assumed were secure as I was providing the info via text and not verbally. They stated that the FBI was involved on my case and that they needed my physical card to destroy properly. They had me write down my old pin and what I wanted my new pin to be and place it in a sealed envelope that a XXXX  would pick up. They sent a XXXX   to my home. Had me provide the XXXX   with a secure pin to verify the pickup. They sent me new fake login info for my account and said a new card was being expedited to me. Said they were installing XXXX  on my account free of charge as I was now a fraud victim. They advised me not to log into my account as the fbi was trying to triangulate the scammers location and me logging into would create unnecessary internet interference and XXXX it more difficult for them to track. They proceeded to call me multiple times on XXXX  the XXXX following up saying that I would soon receive an email from Chase on how to create a new log in to my account and that I would also receive an email from the FBI detailing the whole scheme and who the perpetrators were. The last time I spoke with them was the morning of Wednesday the XXXX and by Wednesday afternoon am acquaintance brought to my attention that this sounded like a scam theyd heard before and my husband called the googled chase fraud number and was told that in fact this was all a scam. 
My husband called chase on Wednesday morning around XXXX and spoke with the fraud department. They employee told my husband that this is a common scheme and he thought it was a pretty open shut case and we should get all our money back. My husband called today, XX/XX/XXXX and was informed that Chase cant prove it was fraud so we will not be getting our money back. We are out {$3700.00}. 
{$300.00} {$650.00} {$120.00} {$60.00} All posted on XX/XX/XXXX {$1000.00} {$1600.00} {$3.00} All posted on XX/XX/XXXX. 
All transactions minus the {$3.00} were ATM withdrawals that they did with my debit card picked up by the fake XXXX. 
The phone number they called me from was XXXX. 
They also had access to my entire account and had added someone by the name of XXXX  XXXX to my XXXX and did a transfer but then reversed it for some reason. They were very sophisticated and had me believing the whole time that I was on the phone with chase fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year> a person claiming to be a cash app employee hacked my cash app account and withdrew money from my account without any approval from me. 
He did two different transactions, one at XXXXXXXX XXXX. for {$330.00} and then another transaction at XXXX. for {$410.00}. 
I contacted cash app immediately once he XXXX the phone number he called from and they started an investigation. They saw proof of the transactions that were made fraudulently and after a three week investigation they emailed me this morning and told me that my claim was denied. Then they deactivated cash app card and also told me that they couldn't provide any information for a reason why. I just don't believe that cash app should be allowed to get away with this after they know it was fraud. They told me when I contacted them last week that they were going to reimburse me and never reimbursed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I am filing a complaint regarding a debt collection issue involving XXXX XXXX XXXX and the debt collector, Credence. 

In early dealings, I provided XXXX XXXX Services with my insurance information both over the phone and online. I ensured they had everything needed to bill my insurance. The hospital where I received care, XXXX, successfully processed all their billing through my insurance, and everything was settled correctly on that end. 

However, XXXX XXXX XXXX never submitted the bill to my insurance as they should have. Instead, they sent my account to collections without ever notifying me or contacting me about any issues. I only found out when I received a call from the debt collector, Credence, which was a complete surprise. 

When I contacted XXXX XXXX Services, they confirmed they had my insurance information but never followed through on billing it properly. My insurance company confirmed they never received a claim from XXXX. Now I am stuck going back and forth between the XXXX, trying to resolve a situation that was never my fault. 

To make matters worse, it has been over a year, and my insurance will no longer pay the claim because it wasnt submitted in a timely manner. I am now left dealing with a collection account that should never have existed, all because of XXXX failure to bill my insurance. The amount is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: CA

Complaint narrative:
I signed an apartment lease on XX/XX/XXXX. My co-tenant agreed in text messages dated XX/XX/XXXX and XX/XX/XXXX to pay the apartment in full. There were even times during the stay where he took my money to pay for it. He assured me several times that hed pay in full and handle the debt. The account went to collections, and I was notified of the total debt via XXXX ( {$2400.00} ) on XX/XX/XXXX. On XX/XX/XXXX, the debt collector split the account in half after my co-tenant made a payment. I was not notified in writing of this split, nor provided any updated invoice until I called the collector on XX/XX/XXXX to request documentation. They then proceeded to send me the updated invoice via XXXX on XX/XX/XXXX with my updated debt ( {$1200.00} ). This long time in between left me unable to verify the amount owed or ensure accurate reporting on my credit. This tanked my credit score. Additionally, the co-tenant was my ex-boyfriend. He went behind my back to split this debt in half knowing that he agreed to pay it in full. It was revenge, and the collectors aided in this by not notifying me of any of this until I called them when I saw the demerits on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I signed up for a no-interest Synchrony XXXX card and was unaware of the payment protection program that I got signed up for in the midst of the application. I spent a lot of time on the phone with the company in XXXX getting unenrolled and was told that all charges would be reversed. At the time, there was a {$3.00} interest charge that I complained about and that has now been refunded. The contact center representative at the time, XXXX XXXX assured me that by cancelling the payment insurance that there would be no additional interest charges on my account as long as I continued to make the minimum payments during the promotional time. 

When I logged in today to pay my bill, I noticed there is a new {$2.00}. I called again and spoke to someone named XXXX ( ID XXXX ) and was told that what XXXX had told me was not true, and that now this is the last interest charge that I will have from that payment insurnace program. Given that they have already told me this, I do not believe them. He also said that nobody has the authority to refund this amount which seems crazy that they have staffed a contact center that doesn't have the ability to help their customers. 

Everything they have sent me is HUGE letters showing no interest, so it feels like they are trying to deceive me by sneaking this interest charge in. I also don't understand what it is interest for since the literature that I have since gotten about the payment insurance says they will charge a fee. This feels like they are charging me a fee then also charging interest on the fee amount and there is no way for me to avoid the interest payment since I have paid everything I am supposed to on time. This is not a fair process because I have no way of avoiding the interest payments that were not disclosed properly!

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 2026-01-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I ask for a copy of my report so that I can get certain items remove I file a dispute and the company have yet to remove any of the incorrect information from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am writing to formally dispute an account that is currently being reported on my credit report. The account in question is listed as follows : Creditor Name : LVN Funding LLC Account Number : XXXX Reported Balance : {$1500.00} XXXX dispute the accuracy and validity of this account. I do not recognize this debt and have no record of any agreement or obligation with LVN Funding LLC for the amount reported. To the best of my knowledge, this information is inaccurate and/or incomplete.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough investigation of this matter and verify the accuracy of the reported information. If LVN Funding LLC is unable to provide proper documentation validating this debt, I request that the account be removed from my credit report immediately. 

Please provide written confirmation of the results of your investigation. Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX, XXXX ] [ XXXX ] [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I tried to log into my citizens bank account because I was suppose to be recieving disputes for valid reasons and DoorDash was refunding me for an order that was canceled, no suspicious activity or wrongdoing was happening I call and a supervisor stated my account was in the process of closure and didnt give no valid reason claiming a letter will be sent,, so there was no reason for them to close my account as I wasnt doing anything wrong but using my account after XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Rubin Lublin, LLC
State: GA

Complaint narrative:
Court orders were issued to Grant properties paid for by our trust from foreclosure to other companies and individuals in conflicts of interest. XXXX amendment right no take off property without just compensation the Trust seeks its refund for collateral attached. There were unfair judgments placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
Planet Home Lending failed to apply my XXXX XXXX XXXX interest rate even though my protections were approved on XX/XX/year> and effective XXXX. For over XXXX years they continued charging XXXX XXXX  interest, never reduced my monthly payment, never corrected my amortization schedule, and overstated my principal balance. 

They also created multiple servicing errors, including misapplied payments, reversals, reposts, a suspense balance of {$3000.00}, and a false negative escrow balance of {$590.00}. My correct escrow balance should be {$680.00}, and my correct loan balance should be {$260000.00}. 

I submitted multiple requests through the proper channels, and each time I was given promised deadlines and completion dates that were never met. Every deadline was pushed out with no explanation other than we are in progress, and no actual status or documentation was ever provided. Calls were dropped after long hold times, and no one followed up. 

Planet Home Lending also failed to acknowledge or respond to my formal RESPA Notice of Error. I received no written acknowledgment, no written response, and no communication from the Executive Resolution Team or the Compliance Department, despite multiple escalation requests.

I am currently serving on Title 10 activeduty orders, and these unresolved errors have caused financial hardship and significant stress during an already difficult period.

I am requesting full correction of my account, including retroactive application of the XXXX XXXX SCRA rate, corrected amortization, corrected principal and escrow balances, removal of suspense, correction of my monthly payment to {$2100.00}, and a complete written accounting of all corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am submitting a consumer complaint regarding a deceptive online business that presented itself as an official passport application service. 

On XX/XX/year>, I used a website operating under the name XXXX XXXX XXXX to apply for a U.S. passport. The website appeared to be an official government service and charged me approximately {$180.00}. I later discovered that this company is not affiliated with the U.S. Department of State and that passport forms and instructions are available for free on the official government website. 

The company did not submit a passport application on my behalf. Instead, it only provided a PDF of the XXXX form, which I could have obtained at no cost. This was not made clear at the time of payment, and the websites presentation led me to believe I was paying for an official passport application process. 

I recently attempted to apply for my passport in person at XXXX, where I was informed that the website I previously used is a known deceptive third-party service. I contacted TD Bank to request a refund or dispute the charge ; however, I was informed that the account used for the transaction was closed in XX/XX/year>, and I no longer have online access to view the transaction details. Despite this, I was able to confirm the date of the charge as XX/XX/year>. 

I believe this business engaged in misrepresentation and deceptive trade practices, and I am requesting assistance in reviewing this matter and determining whether any corrective action or restitution is possible. 

I have screenshots and documentation of the transaction and communications and can provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CO

Complaint narrative:
I was placed on administrative forebearance and believed it was because I reached XXXX payments and my loans were being forgiven. I even received an email stating my loans were forgiven. Now, after XXXX years of waiting and not getting clear information, I am being told the period of time I thought counted does not count towards PSLF loan forgiveness. I then applied for the buyback for the time my loans were put in forebearance and I have had no idea where this is in the process or if I can even do the buy back now. Had my loans not been placed in forebearance and clear information provided I would have had loan forgiveness months ago. Additionally, when the government puts yoir loans in forebearance interest should not be accruing.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: SC

Complaint narrative:
I attempted to use my debit card at a store and it wouldnt work. Upon contacting US Bank at their XXXX number, I was advised the account was set for closure and my funds are frozen. I was given no advance notice, or any notice at all that my account would be closed. I asked for the reason and customer service was unable to provide a reason, but told me that I could visit a branch to withdraw the remaining funds ( {$2400.00} ). I contacted the branch manager and they told me I cant withdraw the funds and that Id need to speak with the department who set the account for closure and froze the funds. I contacted customer service again and after being transferred around XXXX times, I was advised they dont have the phone number for the department that set the account for closure. So I called the branch again and I was told that I would need to wait several days for that department to contact the branch. I am a mother and have bills to pay and need groceries for my children. The account has always been kept in good standing and it is only funded with regular direct deposits from my employera large national property management companyand XXXX benefits for my kids from their deceased father. US Banks refusal to allow me to withdraw the remaining funds, refusal to provide a reason for closure, and refusal to provide a date upon which they will mail a cashiers check for the funds in my account has caused a significant and undue financial burden.

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 2026-01-20 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: TX

Complaint narrative:
I was charged approximately {$1200.00} for hotel accommodation booked through XXXX The stay was never used. 

I cancelled the reservation before the stay due to documented safety concerns following multiple significant earthquakes in XXXX within a short period, including strong earthquakes and subsequent tremors felt in the XXXX metropolitan area. My cancellation was based on safety considerations, not a discretionary change of plans. 

I submitted a formal billing dispute to Citibank, explaining that the service was never used and providing context regarding the safety-related reason for cancellation. I also contacted the merchant and XXXX in good faith. Both declined to provide a refund and relied solely on the cancellation policy without addressing the safety concerns. 

During the dispute process, Citibank did not provide a clear explanation of how the dispute was investigated, what evidence was reviewed, or how it determined the charge was valid despite the service not being used. Citibank ultimately resolved the dispute in the merchants favor without addressing the substance of my claim or explaining how my rights under the Fair Credit Billing Act were applied. 

I am submitting this complaint because I believe Citibank failed to conduct a reasonable and transparent investigation of my billing dispute and failed to adequately explain its decision, as required under applicable consumer protection laws. I am seeking correction of the disputed charge and proper handling of my billing dispute.

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 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In reference to File number XXXX Date issues XX/XX/year> I have never consent to arbitration and have my privacy to be invaded by credit bureaus for monetary gain with furniture my information to third party system you violated fair credit report XXXX and my consumer rights

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