vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: PA

Complaint narrative:
Issue : Payment Reversals, Fees, and Accrued Interest Preventing Balance Reduction I am submitting this complaint regarding my private student loan serviced by Sallie Mae for my attendance at XXXX XXXX XXXX XXXX. Since entering repayment, I have made consistent monthly payments on my loan. However, despite making payments, my balance has not decreased as expected. Instead, I have experienced repeated issues with payment processing, including payments being accepted and later reversed, followed by additional fees and continued interest accrual. Specifically, I made payments using my husbands debit/credit card. These payments were initially accepted and posted to my account, but were later reversed by Sallie Mae days after processing without clear or timely explanation. After these reversals, I was charged additional fees, including returned payment fees, and interest continued to accrue on my balance. For example : Payments were made and initially posted, then later reversed Returned payment fees were charged ( e.g., {$20.00} ) Interest continued accruing in varying amounts ( e.g., {$19.00}, {$22.00}, {$11.00}, {$4.00} ) Monthly payments of approximately {$40.00} {$42.00} were largely applied to interest rather than reducing principal This created a cycle where : Payments were not consistently applied Fees were added after reversals Interest continued to increase due to a higher balance My loan balance remained the same or increased despite making payments Additionally, I have observed that the amount of interest charged each month fluctuates significantly. This appears to be directly impacted by payment reversals and added fees, which increase my balance and cause additional interest to accrue. As a result, even when I make payments, the combination of reversals, fees, and accruing interest prevents my balance from decreasing in a consistent or meaningful way. At no point was I clearly informed that using my husbands payment method would result in rejected payments after initial acceptance. If this payment method was not acceptable, it should have been declined immediately not processed and later reversed. These actions have resulted in : Financial harm due to unnecessary fees Increased loan balance due to continued interest accrual Inability to reduce my principal despite making payments Lack of transparency regarding payment processing and loan servicing I made payments in good faith, yet due to Sallie Maes handling of those payments, I was negatively impacted financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding Experians failure to properly investigate a credit reporting dispute. I disputed a specific factual inaccuracy on a XXXX XXXX XXXX account XXXX namely the reporting of a Last Payment Date of XX/XX/year>. I did not make any payment on this account at that time. Instead of conducting a reasonable investigation into this accuracy dispute, Experian classified the issue as potential fraud and stated that it could not respond through the normal dispute process. This is not a fraud or identity theft issue. I am not disputing ownership of the account. I am disputing the accuracy of a specific reported payment date. By failing to investigate this accuracy dispute and redirecting it as a fraud issue, Experian has not fulfilled its obligation to conduct a reasonable investigation under the Fair Credit Reporting Act. I am requesting that Experian : Conduct a proper investigation into the accuracy of the reported XX/XX/year> payment Verify this information with the furnisher Correct or remove the account if the reported payment can not be substantiated This inaccurate reporting remains on my credit file and has impacted my financial standing. I am seeking proper review and correction of this issue. Thank you.

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 2026-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I purchased appliances in XX/XX/XXXX. XXXX XXXX had a rebate. I submitted a claim through them on XX/XX/XXXX. The same day, I received an email stating, " You have successfully registered your claim information. Your claim number is XXXX. Please allow XXXX weeks for your claim to be reviewed. Once it is reviewed you will receive an additional email to inform you of your status. Once approved it takes about XXXX weeks before your gift card is sent to you. Depending on your selection, it will arrive as a virtual gift card in your email or a physical card by mail. '' I was surprised when I received another email the same day stating, " Your claim number XXXX is approved. Once approved please allow XXXX weeks before card is received. The cards expire XXXX months from the issue date and can not be reissued if they expire. '' As stated above, the claim was approved and it would take XXXX weeks before the card was received. I received no further communication. XXXX weeks after XX/XX/XXXX, on XX/XX/XXXX, I called XXXX XXXX and inquired about my card. I was told it was still processing. A month after that, on XX/XX/XXXX, I called again to inquire after my {$250.00} rebate card. Again, I was told it was still being processed. I said this was unacceptable, as it had now been XXXX weeks. XXXX have me a confirmation number and phone number for My Prepaid Center. I tried to call them, but no one answered my call after waiting over XXXX minutes when the queue. Per the email from XXXX, I emailed XXXX on XX/XX/XXXX and complained and told them I would file a complaint if I didn't receive a resolution. On XX/XX/XXXX, I received this reply, " Once approved it typically takes about XXXX weeks before the card is sent to you. Your card for claim XXXX has been ordered and will come to you as a physical pre-paid card sent via XXXX when it is sent out. It may come in a plain envelope and appear to be junk mail so keep an eye out for it. It has not been sent out yet. We have contacted XXXX XXXX to see if there is anything they can do to help push it through. '' On the same day, I responded and said it had already been approved and I should have received it in XXXX weeks. I reiterated that I would file a complaint if it wasn't resolved. I received a response that day saying, " We completely understand. We did contact XXXX XXXX to see if they can look into getting the card pushed through. It is our understanding that the card should be processed this week. You are welcome to file any complaints you deem necessary or to follow up again at the end of the week to see if there are any updates. '' It's now XX/XX/XXXX and I still haven't received my rebate card.

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 2026-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
CFPB Complaint Summary of the Issue : My mortgage servicer ( formerly Mr. Cooper, now merged with Rocket Mortgage ) issued me an escrow refund check for approximately {$3500.00} in XX/XX/XXXX, stating it was an overpayment. My property taxes were paid in XX/XX/XXXX for {$4600.00}. In XX/XX/XXXX, the servicer informed me that the refund was issued in error and that I now allegedly owe more than {$6000.00} in escrow shortage. My monthly mortgage payment was increased from {$1800.00} to {$2600.00}, and then I was told it would be adjusted to {$2200.00} over XXXX months. I was never given proper notice or documentation supporting these changes. I paid my regular mortgage payment on XX/XX/XXXX, but my account still shows a balance of over {$400.00}, which I do not owe. What I believe the company did wrong : - Issued an escrow refund in error - Failed to provide accurate escrow analysis - Incorrectly calculated escrow shortage - Improperly increased my monthly mortgage payment - Misapplied my XX/XX/XXXX payment - Failed to provide required disclosures under RESPA - Provided inconsistent and contradictory information - Attempted to hold me responsible for their servicing error What I want to happen : - Restore my mortgage payment to the correct amount - Correct the escrow calculations- Remove the alleged shortage - Remove any improper balance on my account - Provide a full escrow history and explanation - Ensure no negative credit reporting or fees- Acknowledge and correct the servicing error

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: Chime Financial Inc
State: NE

Complaint narrative:
My bank chime stride bank sent me alerts about unauthorized transactions as I replied no to them for XXXX as to which I don't have an account or use XXXX they still allowed the funds to go thru even after replying no denied me XXXX times to return my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a follow-up complaint regarding an ongoing unresolved dispute with Bank of America . I previously filed a complaint concerning incorrect charges, fees, and interest on a business account under XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America responded but failed to resolve the issue. After my prior complaint, Bank of America sent additional letters dated XX/XX/XXXX and XX/XX/year>, which not only failed to address my concerns but introduced further inaccuracies. Specifically, Bank of America sent correspondence under both my personal name and the business name, indicating that they are improperly associating a business account with me personally. This is incorrect, as the account belongs solely to the business entity under its tax identification number. Additionally, their response again failed to provide any supporting documentation. They did not provide an itemized breakdown of fees, interest, or charges, nor any evidence validating the balance they claim is accurate. Instead, they simply stated that their reporting is correct and closed the dispute. They also directed me to XXXX XXXX XXXX, attempting to shift responsibility instead of properly investigating and correcting the issue. This matter remains unresolved, and I am concerned about potential inaccurate reporting to both business and personal reporting agencies. I am requesting : 1. Immediate correction of any association of this account with my personal identity 2. Written confirmation that this account is reported strictly under the business entity only 3. A complete itemized breakdown of all charges, fees, and interest 4. Documentation supporting the accuracy of the balance 5. Confirmation of all reporting agencies where this account has been reported 6. Remove any late fees, penalty fees, or excessive interest charges that were improperly applied to the account. Bank of America has failed to properly investigate and resolve this issue despite multiple disputes and prior complaints. I am requesting immediate intervention. Sincerely, 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 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I received a notice that I owed at & t for a debt from 1999. Nope not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: SC

Complaint narrative:
Dear Citi AAdvantage Dispute Resolution Team, I am submitting a formal escalation regarding the mishandling and incorrect resolution of my dispute, Case ID : XXXX, in the amount of {$340.00}, dated XX/XX/XXXX. This dispute involves a purchase made through XXXX, which was returned within the stated return period. Despite complying fully with the return policy, I have not received a refund. After contacting XXXX, I was informed that they attempted to reach the third-party merchant to confirm receipt of the returned item but were unable to make contact. XXXX advised me to initiate a dispute with Citi and confirmed that a notation regarding this issue would be documented under XXXX Customer Reference Number : XXXX. I subsequently filed a dispute with Citi and provided clear supporting documentation, including proof of return and delivery confirmation : - Tracking Number : XXXX, which confirms that the returned merchandise was successfully delivered to the merchant. Despite this verifiable evidence, I received notice dated XX/XX/XXXX, stating that Citi had completed its investigation and ruled in favor of the merchant, with the claim that the merchandise remains in my possession. This conclusion is factually incorrect and unsupported by the documentation I submitted. This outcome reflects a failure to properly review the evidence and raises serious concerns regarding the diligence and accuracy of the investigation conducted by the assigned claims associate. I am formally requesting the following : 1. Immediate escalation of this matter to a Senior Dispute Manager or Executive Review Team. 2. A comprehensive re-evaluation of all submitted documentation, including confirmed delivery of the returned item. 3. Reversal of the prior decision and issuance of a full credit of {$340.00}. 4. A written explanation detailing how the initial determination was made despite clear proof of return. This situation is both unfair and unacceptable, and I expect a prompt correction based on the documented facts. Please confirm receipt of this escalation and provide a timeline for resolution. Sincerely, 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 monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Complaint Regarding Collection Account Reporting After Full Payment I am submitting a complaint regarding a collection account that I paid in full, but which has not been properly updated or cleared from my credit reports. I made a full payment of {$2700.00} to the collection company to settle the account. The payment was accepted, and my check was processed. However, the account has not been correctly updated across all three credit bureaus. It is either still showing a balance or has not been reported as paid in full. This is inaccurate and negatively impacting my credit. I have fulfilled my financial obligation, and I expect the collection agency to report accurate information as required by law. I have supporting documentation, including proof of payment, and I am requesting that : The account be updated immediately to reflect a XXXX balance and paid in full status, or The account be removed from my credit reports if applicable Please investigate this matter and ensure the collection agency complies with proper reporting standards. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing this complaint against Chime ( Account ending in XXXX ) for improperly denying my billing dispute ( Claim ID : XXXX, Dispute Type : Credit - Credit Not Posted, Date reported : XX/XX/year>, Amount : {$1000.00} ). On XX/XX/year>, I purchased a laptop from XXXX and later returned it. I dropped off the return via XXXX on XX/XX/year> ( Tracking # : XXXX ). The package was delivered to XXXX facility in XXXX, XXXX on XX/XX/year>. I have the XXXX drop-off receipt and full tracking history showing Package delivered. Amazons system initially showed the return as received and a refund of {$1000.00} as pending to my XXXX card ( ending in XXXX ). However, the refund failed to process. XXXX chat representatives repeatedly acknowledged the failure ( Your refund status is Failed There was an issue with issuing the refund ) and instructed me to wait for a specialist team or respond to their XX/XX/year> email. Despite multiple follow-ups ( including on XX/XX/XXXX and later ), I have received no refund and no resolution from XXXX. I filed a timely dispute with Chime because the expected credit was never posted. Chime denied the dispute, stating no billing error occurred and that the {$1000.00} will be due on my statement as of XX/XX/year>. This is a clear billing error under the Fair Credit Billing Act. I provided proof of the return to Chime, but their investigation appears to have relied only on Amazons incomplete records. I am requesting that CFPB require Chime to : Re-investigate the dispute with the attached evidence Reverse the denial and issue a full credit of {$1000.00} ( plus any fees/interest ) Provide a detailed written explanation of their findings

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX Bought XXXX XXXX XXXX from XXXX XXXX XXXX account : # XXXX my contract was for XXXX months the car is paid in full. TransUnion is reporting a fraudulent XXXX off of {$310.00} Dollars and over XXXX +late payments on my TransUnion Credit report.

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 2026-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX XXXX claims the account was sold to NCB Management Serices but continues reporting it on my credit. Neither company has provided a complete chain of title, proof of ownership, or any agreement showing NCB has authority to collect or report. I have never entered into any agreement with NCB. Despite repeated validation requests, they failed to provide required documentation while continuing to report negative information. They have also failed to provide the documents necessary to proceed with Arbitration. This is inaccurate reporting and a failure to validate the debt. I am requesting investigation, proper validation, and removal of the account if they can not prove their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: LJ Ross Associates
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a debt that has been reported under my name in connection with an account allegedly owed to XXXX XXXX XXXX and XXXX XXXX and currently being reported/collected by L J Ross Associates . I do not recognize this account and have no knowledge of any services or obligations associated with it. I no longer reside in the city of XXXX, and I have not authorized any account, service, or charges with XXXX XXXX at any time relevant to this claim. I believe this account is the result of fraudulent activity or identity theft. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : Full validation of this debt, including : Copies of any signed agreements or applications Service address associated with the account Dates of service and billing statements Proof that I am legally responsible for this debt Immediate suspension of collection activity while this matter is under investigation If you are unable to provide sufficient documentation validating this debt, I request that this account be : Immediately removed from my credit report with all credit bureaus Ceased from any further collection efforts Additionally, please note that reporting or attempting to collect a debt that is not mine constitutes a violation of federal law. I request written confirmation of your investigation and the actions taken regarding this matter within XXXX days. If necessary, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX This debt does not belong to me. When I attempted to contact the company via Phone, I was told I need to dispute the matter with an landlord. My final bill was paid in the state of Illinois. I would also like to dispute XXXX XXXX, XXXX, XXXX XXXX, and peoples gas.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation