vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Conduent Incorporated
State: AZ

Complaint narrative:
on XX/XX/year> I had a charge from XXXX XXXX  which was reversed by the restaurant. 

The reversal credit showed " pending '' for over a year on my " Way2GOcard '' and was never actually credited back to me. The funds were removed from my available balance during this whole time. Now on the account history it shows the amount credited back to me as {$0.00}. This is incorrect as I should have the amount of the restaurant charge back in my available funds.

There is no option on the customer service number to speak to a live person and the online portal will not allow me to access anything as it seems to be corrupted and just immediately kicks me out the second I log in ( again there is NO customer service agents to get help ) I am requesting the amount from the restaurant be credited back to my available funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
As of XX/XX/XXXX I paid {$1600.00} in advance to cover roughly 6 month 's worth of payments on my student loans through Nelnet. I called to confirm with an agent that this would be applied. It wasn't until Friday XX/XX/XXXX, that I received a notice of a derogatory on my on my account. I paid what I could from my checking on Friday and moved money from my savings to pay the late balance on the account making the account current as of today, XX/XX/XXXX, meaning now my account technically is paid {$1600.00} in advance again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NE

Complaint narrative:
Federal student loans were taken out to attend XXXX XXXX XXXX XXXX XXXXXXXX between XXXX and XXXX, including both Direct Loans and Parent PLUS loans. These loans were fully paid off in XXXX. 

In XXXX, the U.S. Department of Education announced a group Borrower Defense discharge for all XXXX XXXX students based on school fraud and misrepresentation, including refunds of all payments made. 

I submitted a written refund request to the Department of Education, but the Department denied the refund solely because the loans had been paid off before the fraud determination. Nelnet confirmed that it can not process any refund without Department of Education authorization. 

Denying refunds because the loans were paid off contradicts XXXX XXXX XXXX group discharge and Borrower Defense rules, which provide refunds based on school attendance, not loan balance. I am requesting that this be reviewed and corrected so the required refund of all payments can be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I entered into a personal training contract with a fitness facility that required a total payment of {$1200.00}, structured as a {$200.00} down payment and five additional payments of {$200.00}.

Despite the stated contract total, the company collected approximately {$2000.00}, which is about {$800.00} more than the agreed amount. In return, I received only two ( 2 ) personal training sessions. The remaining paid sessions were never provided, and staff indicated they would not be delivered. 

On XX/XX/year>, I submitted a formal cancellation request in accordance with the contract terms. The contract states that cancellations must be processed within 48 hours and that billing should stop once a valid cancellation is submitted.

The company failed to process the cancellation and continued billing attempts after XX/XX/year>. Additional unauthorized debit attempts were made even though services were not being provided. As a result, I notified my bank and blocked further withdrawals. 

Because I had already paid more than the total contract amount, my account was over-current, not delinquent. There was no legitimate balance owed. Any claimed outstanding amount is the result of the companys failure to process the cancellation and its refusal to return overpaid funds. 

After cancellation, I continue to receive emails demanding that I come in to pay alleged outstanding balances. These communications constitute ongoing collection attempts for services that were never rendered and for a balance that should not exist. At the same time, the company has not refunded the excess payments and has not provided the remaining training sessions. 

In summary : Contract total was {$1200.00} Approximately {$2000.00} was collected Only XXXX sessions were provided Cancellation was submitted on XX/XX/year> Billing and collection activity continued after cancellation Unauthorized debit attempts occurred Overpaid funds have not been refunded Ongoing emails demand payment for a false balance I am requesting assistance because the company continues to attempt collection after cancellation, retains payment for services not provided, and exceeds the agreed contract amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MST Financial Services, L.L.C.
State: WA

Complaint narrative:
I am submitting this complaint based on newly identified balance and interest calculation issues discovered through account itemizations recently provided by XXXX XXXX XXXX. 

Upon reviewing XXXX XXXX XXXX own itemized statements, I discovered that the reported account balances include multiple categories of interest applied after the accounts were referred to collections, including accumulated interest and additional ongoing interest. While the arithmetic of the interest appears consistent with a stated rate of XXXX XXXX XXXX XXXXXXXX XXXX XXXX has not provided documentation establishing its legal or contractual authority to assess post-referral interest at this rate. 

The itemizations show that XXXX XXXX XXXX has actively created and accrued interest after referral, resulting in over {$1400.00} in interest charges to date, based on XXXX own records. This total reflects documented accumulated interest plus additional interest components included in the account balances. 

The attached itemizations reflect interest accrued only through the date the statements were generated. Since receiving these documents, additional interest has continued to accrue, further increasing the balances. This newly accrued interest is not yet reflected in the provided itemizations, confirming that the amounts being collected are continuously changing. 

Despite charging and continuing to accrue interest, XXXX XXXX XXXX has not provided documentation demonstrating : 1. Contractual authority allowing post-default or post-charge-off interest ; 2. Authorization for the specific XXXX XXXX XXXXXXXX applied ; 3. That the right to assess ongoing interest was validly assigned to XXXX XXXX XXXX ; or 4. That the resulting balances reflect only legally authorized charges. 

While the mathematical calculation of interest may be internally consistent, accurate arithmetic does not establish legal entitlement. Absent proof of contractual and legal authority, the interest assessed constitutes an amount not proven to be owed, and the accuracy of the total balances can not be independently verified. 

This complaint concerns accounting accuracy and interest authorization only, is based on newly reviewed documentation, and is not a continuation of any prior complaint regarding collection conduct. I am requesting CFPB review of whether the interest assessed and the resulting balances reported by XXXX XXXX XXXX are accurate, authorized, and properly calculated.

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 2026-01-12 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: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/year> I filed a complaint about XXXX transactions that were made in XXXX around midnight. My card was in my possession & locked. It should have not been possible. It was determined that I authorized the transactions & no fault on you guys behalf. I spoke with a supervisor who looked at my situation. I dont know if he wasn't supposed to tell me where the location of the fraud was done. But his exact words were this doesn't make any sense. I herd him reading allowed. He said XXXX. To which I replied to him sir I live in XXXX, XXXX XXXX to be exact. I told him im from XXXX & have nothing to do with anything connected to XXXX. Never been there. I never made a transaction there. I dont have family or friends from there. U wont find any connection to me & XXXX. I also pointed out to him the time. How could it be possible to take money out my account in XXXX & then XXXX XXXX in that amount of time. He assured me when a supervisor looks at my case it should not take long to determine the fraud transaction. To which once again I was told that I authorized it & there was no fault on they're behalf. They wouldn't explain how there investigation was conducted nor how they were proving I authorized it. Also I could not appeal it anymore. My account was suspended. Im not able to log in. Im not allowed to access my cashapp anymore. Basically treated like a scammmer who took money out & claiming it never happened to get it back. I understand it may happen a lot. But im not willing to be treated like that having no knowledge of how it was even possible to do. In my opinion cashapp did no type of investigation. I believe they think it was another case of trying to get money claiming it came up missing with no knowledge of it. I do appreciate hearing from a specialist. I didn't have the means to take any further steps in proving my case. It's there word against mine situation with me being out {$240.00} & no way to prove it. I dont have any respect for cashapp or there personel. I think yall are liers & the true scammers. Not much can be done to change my opinion. Its ridiculous how much money is owed to me. I do fault myself for not reviewing & keeping tract of my transactions. But I thought I would be okay because I always keep my card locked. XXXX XXXX & others are always trying to charge my card without consent. I still dont know how someone charges me who I've never done business with or will ever do business with. How can they charge me or have autopay setup with my account when I've never done business or subscribed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, all 3 accounts at PNC Bank were closed without notice. The claim from them was I had overdrawn on 1 account for 30 days. This is false and when speaking to the representative, we discovered PNC Bank had withdrawn for account fees on an account with {$.00} causing a negative balance. They immediately removed the fees, in negative balance, back to the {$.00} balance. The account closure was already in progress? and without notice to me. After 29 years banking with PNC, this is how I was treated.

This initiated a review of my accounts, retrieved account history, and all fees accrued since XXXX. We have found many questionable fees and is exceeding {$3300.00} in the 29 year span. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I was a victim of identity theft. Around XXXX my number was illegally imported from XXXX XXXX XXXX by hackers without my authorization or XXXX XXXX XXXX  . This caused my XXXXXXXX XXXX account to be hacked, my phone number was taken over, my email, and any accounts linked to my XXXXXXXX XXXX. This was my Chase account and a few others who have resolved my issues. I woke up around XXXX to see the damage that was caused. I was able to connect to WiFi and try to lock my account but the hackers were unlocking it in real time. They had charged specifically to Chase {$2400.00} to XXXX and locked me out of my XXXX account by changing the credentials. I saw they also opened a credit card in my name. This happened in less than an hour. I was able to use my friends phone as I had no service to call Chase to immediately freeze my account on XX/XX/year> and to stop the charge. They did state they werent sure if the charge would be stopped but the would be putting in a fraud claim due to the nature of the case. My friend assisted me in making a new email, the email I have used since I had my Chase account was hacked, and a new XXXX account was created. Chase had to assist me with creating a new login. At the time I did not have a new phone number to provide but that was given to Chase later in the branch. I requested the new credit card to be frozen, which it was, but still delivered to my home. I received a letter that Chase recognized I was a victim of fraud and would ensure the card and any credit marks were off my credit report. I had no doubt Chase would make me whole and return my money. Why would a customer for over a decade wish to change their number, get a new email, I had to buy a new phone, change phone carriers, and they wont return my money saying I cant prove it was fraud since it was in XXXX XXXX. I did everything right and yet I cant receive my funds. The hackers took almost everything from me and Chase setup so many new security protocols on my account due to this yet they dont believe I had fraud activity. I have a verbal password and two others now in place that I never had before until this incident. I dont understand their reasoning. A police report was filed and is ongoing. I do have the cover letter to attach but not the full report as it is under investigation. The XXXX XXXX XXXX account I shared with my wife XXXX XXXX also has a fraud claim in progress which I can attach that email as well. She was a victim of the same crime and names in the police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, Discover Bank reposted four unauthorized transactions of {$850.00} each, totaling {$3400.00}, to my credit card account under the description SALE CHARGEBACK REPOST REPOST OF DISPUTED TRANSACTION. These transactions are associated with a fraudulent XXXX merchant account that was created using my wifes business identity without her knowledge or consent. My wife is a confirmed victim of identity theft and did not open, authorize, or operate this XXXX account.

After the reposts appeared, I contacted Discover and was transferred between multiple representatives without receiving a clear or consistent explanation. I was eventually told the charges were reposted because the XXXX merchant account submitted documentation. This XXXX merchant account is controlled by the identity thief, yet Discover accepted documentation from this fraudulent XXXX merchant account without proper verification while the fraud investigation remains open.

Discover did not provide any written notice, letter, or formal explanation describing the basis for the repost, the evidence relied upon from the XXXX merchant account, or my rights during the ongoing investigation. Despite the dispute remaining unresolved, Discover placed the full {$3400.00} balance back onto my account and required me to carry an unauthorized balance during an active fraud investigation.

This action has caused and continues to cause consumer harm, including increased credit utilization, potential credit score damage, and exposure to interest charges for transactions that are not authorized. Under the Fair Credit Billing Act ( FCBA ) and applicable consumer protection standards, Discover is required to conduct a reasonable investigation and avoid actions that penalize the consumer while a billing error or fraud claim is pending.

Discover failed to meet this obligation by prioritizing unverified documentation from a fraudulent XXXX merchant account over the consumers fraud report, failing to maintain provisional credit, and failing to prevent negative credit impact during an open investigation. This reflects a failure to follow reasonable investigation and consumer protection standards.

I am requesting immediate removal of the reposted balance while the investigation is ongoing, full written disclosure of Discovers decision-making process and any documentation relied upon from the XXXX merchant account, confirmation that my credit will not be adversely affected, and corrective action to ensure Discover complies with FCBA requirements and consumer protection obligations going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was locked out of my account and attempted to log in several times over the weekend. Unfortunately, I couldnt access my account on Monday morning, and it had been closed. When I inquired about the reason for the closure, the representative refused to disclose it, stating that the reason doesnt need to be disclosed. In my opinion, it should be disclosed. I did nothing wrong, and it seems like my account was randomly closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am submitting a complaint against PNC Bank regarding its failure to correct a billing error and its continued collection activity despite written dispute and documentation. 

On XX/XX/year>, I scheduled a payment of {$45.00} through XXXX XXXX XXXX XXXX for my PNC credit card account, well in advance of the XX/XX/year> due date. PNC never processed or credited this payment. As a result, late fees and interest began accruing. 

After contacting PNC, I was instructed to resend the payment. I resubmitted the same payment on XX/XX/year>, which PNC processed on XX/XX/year>. On that same date, XXXX XXXX returned the original XXXX payment to my account because it had not been cashed or processed by PNC within 90 days. This confirms the issue resulted from PNCs failure to process the original payment, not from any failure on my part. 

I sent PNC a written dispute letter with supporting documentation. During a phone call, a PNC representative advised that the late fee would be reversed and no further charges would accrue. Despite this, PNC continues to assess late fees and interest, and the balance consists entirely of those charges. 

For approximately XXXX months, PNC has continued to send billing statements and place repeated phone calls, emails and text messages regarding this disputed balance. This has negatively impacted my credit and caused ongoing distress. 

I respectfully request assistance in obtaining removal of all late fees and interest, correction of my account balance and credit reporting, and cessation of collection communications. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Federal student loans were taken out to attend XXXX  XXXX XXXX XXXX XXXX between XXXX and XXXX. These loans were fully paid off in XXXX. 

In XXXX, the XXXX Department of Education announced a XXXX  XXXX XXXX XXXX  for all XXXX XXXX students based on school fraud and misrepresentation, including refunds of all payments made. 

I submitted a written refund request to the Department of Education, but the Department denied the refund solely because the loans had been paid off before the fraud determination. Nelnet confirmed that it can not process any refund without Department of Education authorization. 

Denying refunds because the loans were paid off contradicts the XXXX XXXX XXXX  XXXX  and XXXX XXXX rules, which provide refunds based on school attendance, not loan balance. I am requesting that this be reviewed and corrected so the required refund of all payments can be issued.

Company response to consumer: Closed with explanation