vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am submitting this complaint regarding the denial of my School Misconduct discharge request for private Signature Student Loans owned by Navient and serviced by XXXX. In XXXX, at age XXXX, I enrolled in the XXXX XXXX program at XXXX XXXX XXXX XXXX XXXX XXXX Florida. Admissions representatives stated that graduates could expect strong job placement and salaries around {$80000.00} per year. Based on these representations, I took out approximately {$33000.00} in private student loans through XXXX XXXX with co-signers. I graduated in XXXX and completed the required XXXX but was unable to secure employment in the field. Instead, I was forced to accept work paying approximately {$15.00} per hour. XXXX XXXX XXXX XXXX, and when I attempted to continue my education in XXXX, I learned that none of the credits from this program were transferable, forcing me to start college over entirely. Over the past 16 years, I have paid approximately {$29000.00} toward these loans, yet the balance has grown to approximately {$55000.00} due to interest. This debt has caused significant long-term financial harm, including difficulty qualifying for housing and other financing. I submitted a School Misconduct discharge request which was denied. In response to my CFPB complaint, XXXX confirmed that Navients legal department reviewed and denied my application but did not provide any explanation of the criteria used or why the documented closure of the school, non-transferable credits, and financial harm were deemed insufficient. Additionally, the parent company of XXXX XXXX XXXX XXXX XXXX XXXX XXXX was investigated for deceptive practices including inflated job placement rates and misleading salary claims and reached a {$490.00} XXXX settlement with state attorneys general in XXXX. I am requesting that Navient provide a clear explanation of the criteria used to evaluate my School Misconduct discharge request and reconsider my application in light of the documented history of misconduct associated with XXXX XXXX and the ongoing financial harm caused by these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Columbia debt was sent a letter for requested documents and request for contact with original and retention to collect debt and written request not response after 45 days, letter sent for two accounts XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on my report. I need these items blocked and removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I am disputing this collection account because I do not recognize this debt and have never received any notice or documentation from the original creditor. The account is listed as originating from the Illinois Department XXXX XXXX XXXX, but I have not been provided with any records showing that I owe this amount. Please provide verification of the debt, including documentation from the original creditor showing the account, the amount owed, and proof that it belongs to me. If this account can not be properly verified, I request that it be removed from my credit report under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ID Analytics, Inc.
State: TN

Complaint narrative:
XXXX XXXX, and XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on my report. I need these items blocked and removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am XXXX XXXX XXXX and have been in the hospital XXXX XXXX for over a year and a half. I believe I've been a victim of ID theft and fraud and several scams all of my money is gone. I have requested from cash app to investigate and get the scam fraud tags to refund my money, but Cash App did nothing and now I can't pay my rent. I just want to have access to my Cash App account. I need the money stolen that belongs to me, however, since Cash App Wrongly Closed the account the money can not be replaced back into my account. I also need you to help me get my money back from these criminals that made Cash App close down my account in error. I truly need this account to be reopened because I use it for friends and family especially being XXXX and XXXX XXXX XXXX XXXX. Please I ask for your assistance and help with this matter this is very important to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: FL

Complaint narrative:
My account went delinquent. During the time of the delinquency I had given birth, very shortly after my XXXX XXXX old baby contracted XXXX a XXXX XXXX to a child that small, which caused us to spend several weeks dealing with the symptoms of such a disease including seeing our child on XXXX XXXX XXXX worrying for the life of our XXXX and dealing with medical bills, XXXX XXXX and physical postpartum trauma to my own body. My husband is not on the student loan accounts because I got them as a teenager so he was not able to pay the accounts in my absence while I fought with my XXXX through the virus and my own delivery. Mohela stated that it is not their fault that I didnt pause payments before she was born but there was no way I couldve predicted the Virus would impact us the way it did.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I applied for a personal loan with SoFi. During the application process I provided extensive documentation to support my application, including two years of tax documents, documentation regarding projected earnings for my business, and a statement regarding expected XXXX earnings from another business. I also provided proof of substantial liquid assets, including a brokerage account statement showing more than {$600000.00} in cash held with XXXX XXXX. Despite providing these materials and demonstrating significant liquidity and the ability to repay the loan, my application was denied with the stated reason of high revolving credit. Based on the documentation I submitted, I believe my full financial profile and repayment ability may not have been adequately considered during the underwriting process. From a consumer perspective, it is confusing that an applicant with substantial liquid assets and documented income projections can be denied solely based on revolving credit balances without clear evidence that the full financial documentation provided was reviewed. Because the underwriting decision appears inconsistent with the documented liquidity and repayment capacity provided, I am requesting that this matter be reviewed through a manual underwriting process. I am submitting this complaint so that the CFPB can review whether the underwriting process used in my case appropriately evaluated the full set of financial documentation that was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I made a payment to Bank of America on XX/XX/year> for {$6000.00} that was returned by my bank due to insufficient funds. Then bank of America sent me an email stating that the funds were rejected and for me to make a new payment to avoid late fees. I then made an additional payment for {$5700.00}, but Bank of America went ahead and sent the original {$6000.00} payment anyways despite their email to me. I called and asked them to stop this 2nd payment, but they said that this would not be feasible in the next XXXX hours, so I called my bank and told them to stop the payment which cost me a fee at chase. However, Bank of America processed a refund in addition to the stopped payment by my bank. This was supposedly done on XX/XX/year>, However I never received a check in the mail or a refund to my bank. I have called them multiple times to have them reverse this refund and or trace the check, but to no avail. I am still being charged for a {$5700.00} refund that I never received.

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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I got a phone call in early XXXX of XXXX about a debt that I was told I owe, I asked for verification of debt, because I think it is regards to a card opened in my name without my permission. I asked for verification, I was told I would get it. I got calls from chase 3 days in a row multiple times a day, I each time I told them I needed verification, last phone call I was told they could not send me verification and after I asked them to stop calling until i got verification, they told me the calls would not stop until I paid the balance in full. I explained that I was recording the conversation, then they immediately said they would stop calling and only contact me through mail. I have yet to get any verification, this has been on my credit report for years, they really have no interest in helping me find out if it is really something I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Complaint Against : National Credit Systems XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint Regarding Debt Collection Practices To Whom It May Concern, I am submitting this complaint regarding National Credit Systems for their attempts to collect and report an alleged debt that I dispute. After reviewing my XXXX credit report, I found that National Credit Systems is reporting a collection account under account number XXXX with a balance contributing to approximately {$18000.00} in collection debt. I do not recognize this debt and have formally disputed the account. I have also requested validation of the alleged debt from the collection agency. To date, I have not received sufficient documentation proving that I have a legal obligation to pay this debt. Under the Fair Debt Collection Practices Act, I requested that the collection agency cease communication and provide verification of the debt. I also exercised my rights under the Fair Credit Reporting Act to dispute the accuracy of this account with the credit reporting agency. Despite these actions, the account continues to be reported on my credit file without proper verification. Reporting unverified or inaccurate information may constitute violations of federal consumer protection laws. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require National Credit Systems to : 1. Provide proper validation of the alleged debt. 2. Cease collection activities until verification is provided. 3. Remove the account from my credit report if they can not provide sufficient proof that the debt belongs to me. I appreciate your assistance in resolving this matter and protecting my rights as a consumer. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had a fraud situation with CHIME. Someone must have obtained my information somehow and made an " ATM Withdrawal '' of {$280.00} that I did not make. I filed a dispute with CHIME the same day this happened ( XX/XX/year> ) and explained to them that I did not make that withdrawal from my account, they eventually denied my dispute. The day they denied my dispute, I called them again to re-file my dispute with new, clear evidence. My overall evidence is that I live in the XXXX XXXX in XXXX XXXX XXXX CA area and I work in XXXX XXXX XXXX CA. This ATM Withdrawl was made in XXXX, CA ; somewhere I have never been and it's about XXXX hours away from where I live. I have charges that I made the same day in the area I live such as, XXXX 's in XXXX XXXX for {$11.00} ( attached ), so I can not be in 2 places at once and I have only 1 debit card which is in my possession. I also took out {$1000.00} at XXXX bank ( in XXXX ) after CHIME said I'll be receiving a new debit card. I had to take all my money out of my account. All these charges are attached just to show that, the ATM withdrawal was made from a completely different place. I had already had suspicion because I was getting random charges from a " XXXX XXXX bank '' ATM with random charges like {$1000.00}, {$640.00}, {$400.00} etc. As if, whoever was doing this kept trying different amounts. However, my card kept declining because I had no money in my account. It makes no sense for me to go to the bank to take money out of an account that I know I have no money in. I even got fraud alert text messages from CHIME asking if I made these charges, in which I replied NO. I have attached a screenshot of those texts. I thought after replying " NO '' that they would block these charges or follow up how to proceed but they didn't nothing. I don't understand what the point of those fraud alert texts if nothing would be done. That Sunday, they tried to take money again and they succeeded in the amount of {$280.00} because I had already gotten paid. At this point, I have tried so hard to resolve this with CHIME to get my money back so I'm hoping to reach out to you guys to help me with this. I already live paycheck to paycheck so when something like this happens, it's very hard not to be upset, so I will keep trying to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/XXXX, my USBank account was closed by the bank due to a negative balance of less than XXXX dollars. I had phoned the bank on the XXXX to inform them that my paycheck was to be deposited on XX/XX/XXXX and my account would then be in the positive. I was assured by a bank phone representative that the account would not be closed. The account was closed, as were the accounts of my XXXX children. I was told that the closing process would take approximately 10 days, at which time I would recieve a cashiers check with the balance of my account. I've waited almost XXXX weeks now and a check has not arrived. I've phoned several times and was provided an array of answers, including : the account is still in process of closing, the account is closed and the check is in the mail, and most recently, the check has been issued on the XXXX and must have gotten lost in the mail. Today I was told that the account was closed and I could go into a local branch for a cashiers check. I phoned the branch and they said that this was not possible because I did not close the account at the branch. They gave me a phone number to call. The bank representative on the phone assured me that it was indeed possible to get a check at the branch because a notation was made that indicated this. The branch is now closed. As a result of this poor communocation and administration, I have not been able to pay my bills this month which has impacted me negatively. I have also not had enough extra cash on hand or credit avsilable to buy sufficient food for my family or gas for my car to get to work. I feel bullied by USbank and am angry about the inconsistent and incorrect information I repeatedly received. Ultimately, no one could give me a clear answer to when I would recieve my funds. The stress of this experience is enormous and feels criminal.

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 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I disputed a transaction in my Venmo account for {$430.00} that was not supposed to be taken out of my account from my rental office where I live and Venmo gave me a refund back next thing I know my account is suspended temporarily I wrote them via chat in the Venmo app and called them immediately and they told me wait XXXX business days and wait for a email I waited nothing comes then I cheated with them again the said XXXX business nothing now their saying XXXX or XXXX business days for an email Im trying to see how I can fastly get my account unsuspended so I have access to my account please I have included my ID for verification if needed for them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: World Omni Financial Corp.
State: FL

Complaint narrative:
Please see attached letter. I followed up with XXXX XXXX XXXX XXXX and they confirmed the check was sent to XXXX XXXX of XXXX on XXXX XXXX in XXXX, FL. I have followed up with XXXX SEVERAL times and no one will tell me where my money is. Someone from finance said the check was received but that someone else would follow up with me. Over 3 months later, and I still have no idea where my XXXX insurance refund is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: FMS Inc.
State: ID

Complaint narrative:
I called the debt collection company fms. They have yet to send anything to me by mail just phone call and text messages. They wanted me to give them my last XXXX of my social. I told them no not unless I get some info through mail verifying this is legit. They told me no unless i gave them my social. They also told me they wouldnt give me reason why they were contacting me unless I gave them my social security last XXXX digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
This is annoying and has been going on since last yr. My information was used without my knowledge to apply for something at this company yrs ago. I didn't know until they started emailing me at business email address. I have asked them to remove the account and they refused citing legal jargon about needing to retain information. This has provided them the opportunity to violate the can-spam act over and over. I've asked numerous of times just to be told they'll put in a request to delete my email. Somehow this never works but i end up with yet another junk email about heloc. I'm sick and tired of this XXXX. I was given a link to request for deletion. Once logged in there's no option to request for deletion, it's a catch XXXX. They refuse to remove my personal information and stop emailing me. I don't have a mortgage loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account had been overdrawn & because I had to wait until my next pay period, I couldnt deposit funds before overdraft charges starts to roll in. My debit card coverage option has been turned off so these payments should never have been pushed through & instead declined. Beyond this, whats most absurd & completely unreasonable is that my account became overdrawn by more than {$400.00}, more than {$500.00} & yet my bank still continued to approve these debit charges instead of declining. By today I was overdrawn {$670.00}, over {$400.00} of which is just overdraft fees. This is an obscene amount of money that should never have been charged to my account in the first place, had the system that each bank representative kept repeating to me, not approved. I spent XXXX hours in total on hold, to be hung up on after waiting XXXX min to speak to a supervisor, twice, to then calling back & waiting another XXXX minutes to basically be told the same story. This is the second time having a conversation with a Chase representative where I was told that even if my debit card coverage is off, its up to the systems discretion, whether or not they push debit card payments through. This is the most ridiculous thing Ive ever heard. Im the one being affected by this. Its MY DISCRETION, as its my account. I take full responsibility for the first few overdrafts but for the additional {$400.00} in ODs I do not. This is terrible customer care especially after a decade of being a loyal customer. Its just completely unreasonable & the only one who benefits from this is Chase bank. If the system would have been doing its job the additional payments would have been declined & I wouldnt have been charged unnecessary overdrafts that now massively effect my financial life. This is money I work very hard for, money I need, this bank dos not need this money. Its greedy & truly unacceptable to treat people this way.

Company response to consumer: Closed with explanation