vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: SD

Complaint narrative:
Recently, there was a lawsuit with XXXX XXXX then to XXXX who used to service my student loans. The lawsuit was for those that were pushed into forbearance without being given other options. My student loans were 100 % always pushed into forbearance by this company for years coming out of college. Not only that but the interest has compiled so high that it has almost doubled what I actually owe. I find this unethical that for some reason my loans were not looked at. I had called into the federal student aid and I was always given the " we can't do anything about it '' and to contact my loan servicer. The problem with that is that my loans have changed lenders XXXX times already. There is no doubt my loans should have been covered in this lawsuit but also that the interest compiled during this time should be considered unethical. I want to pay my loans as I did take them out but I want a fighting chance and the practices of these lenders has led to my loans doubling in size. I am asking for help to look into my loans and to eradicate the interest these loans has accrued during the time period. I am repaying them right now with Aidvantage but something has to be done about foul practice of these lenders. These lawsuits cherry picked people and I can assure they didn't get everyone involved who should be. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX and XXXX XXXX have fraudulently used my information in attempt to collect a I do not them.

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 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: WI

Complaint narrative:
I am filing a complaint against Receivable Management Services LLC regarding a collection account reported on my credit file for XXXX. The original amount was {$160.00}, and this account has been paid in full on or around XX/XX/year>. The balance is now {$0.00}. Despite this, the account continues to be reported as a collection, which is negatively impacting my credit. I contacted the company directly and requested removal of the account as a goodwill adjustment. They refused and stated they do not offer goodwill deletions. I also requested validation of the continued reporting, but no sufficient documentation has been provided. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, complete, and verifiable. Since this debt has been satisfied, continued reporting as a collection is misleading and harmful. I am requesting that this account be fully investigated and either properly validated with complete documentation or removed from all credit reports ( XXXX, XXXX, and XXXX ). I have proof of payment showing the account has been satisfied. I request prompt resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: MD

Complaint narrative:
possession of my vehicle. After my vehicle was repossessed, I was charged {$470.00} for repossession and {$350.00} for a key replacement. I paid to reinstate the loan and got my vehicle back. Approximately XXXX month later, I was charged an additional {$350.00} on XX/XX/year> labeled as repo fee. I contacted Westlake Financial to request an explanation and documentation for this second {$350.00} fee, but their representatives were unable to explain why it was added or provide any proof of why. I am requesting : A full itemized breakdown of all repossession-related charges Documentation supporting repo fees Immediate removal of the duplicate {$350.00} charge if it can not be justified This unexplained and duplicate fee is unfair and potentially improper. I would like this matter investigated and corrected. My truck was repo back in XXXX and the charges were no were near this much screenshoots added below.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I had a Huntington bank account that closed with approximately XXXX around XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
I am an expat living in XXXX working for the XXXX XXXX as a XXXX. I do not have a US phone number. I have a credit card with Bank of America. It has about a {$5000.00} balance with a {$45000.00} limit. Bank America offered to let me transfer my XXXX XXXX Credit card balance of {$39000.00} to my B of A card. I entered the transfer order on their web site where I authenticate with MFA. After a few days I did not see a transfer to XXXX XXXX, so I tried to log in to my B of A account. I got a message that the account was disableXXXX, and to call the bank. I called the bank. Because I do not have a US Phone, the fraud department called a manger to authenticate me via an alternate method. They unlocked the account. They told me to put in the transfer request again. They said it's all good. I hung up. Next day the account was again flagged, and I had to call them back. They unlocked it again, same process. This time I stayed on the phone with the fraud department to verify that the transfer went through, did not flag, and was approved. I then hung up. Next day my account was gain disabled. I called them again. Now the story has changed. Bank of America told me I must physically go in to a Bank of America branch to unlock the account. I told them this is impossible. I live in XXXX. They said it doesn't matter, the only option is for me to fly to America and visit a branch. I asked them how I am supposed to pay the bill when I can't get to my account on-line. I asked them to put a note on the account that if I am trying in good faith to pay, and they are blocking me for their own reasons, that they are essentially refusing my payment. The bill is not due yet, but it will be soon, and I have no way to pay. I am concerned this will impact my credit rating and result in additional fees for late payment, but they won't fix the problem. I don't know what else to do.

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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Block, Inc.
State: MI

Complaint narrative:
Trying to get a new card, paid for it and ordered it now I never received it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Starting XX/XX/XXXX during the DOGE takeover my PSLF payment count and payments stopped being counted correctly. I had already submitted my employment verification for XXXX and it was acknowledged on XX/XX/XXXX ( see attached below ). No change in employment or anything had occurred. Starting XX/XX/XXXX, my payments were not accounted for due to the error of it saying i had not certified my employment and it was ineligible. I reached out to student aid by phone, who then redirected me to Nelnet. Both parties could not verify what was happening and then directed me to submit a second reconsideration showing my payments from XX/XX/XXXX forward. In the email, the agent told me to submit this and I did. I continued to pay my monthly payment, as XX/XX/XXXX i would have reached my XXXX count. None of these payments have been accounted for & as of XX/XX/XXXX, my reconsideration is still in review and my payment count is still stuck at an inaccurate count. This has effected my credit score, as non payment is being reflected now due to NelNets negligence of accurately counting my payments, reviewing my employment verification correctly, and adjusting my account to reflect PSLF forgiven status as 120 payments and time has been reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
b'Issue: Unauthorized account opening, incorrect address change, improper fees, and failure to provide required disclosures.\n\nInstitution & Individuals Involved: \nCitiBank, N.A.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nPhone: XXXX XXXX XXXX\nBranch Manager: \nXXXX XXXX, MBA, MSHR XXXX\nVice President, Branch Manager\nBanker Who Opened the Account: \nXXXX XXXX\nNMLS ID: XXXXn\n\nI opened a savings account at the CitiBank XXXX XXXX branch listed above. At the time of opening, I did not receive the required account opening documents, disclosures, or confirmation materials that are normally provided immediately to customers. I was told these items would be mailed to me.\nI later discovered that the banker had changed my mailing address without my knowledge or consent, sending all account information and my debit card to an old address in XXXX XXXX. Because of this unauthorized address change, I never received any documents or the debit card.\nWhen I returned to the branch to report the issue, I was told the address had been changed and was given printed documents. I deposited XXXX into what I understood to be my savings account.\n\nI received my debit card and tried to activate it. I was notified that I was overdrawn due to checking account fees. I want to be clear: I did not open or authorize a checking account, nor could I have done so, as I did not have the required XXXX minimum deposit. I was explicitly told that the savings account had no fees, came with a debit card, and that I would have the option to open a checking account later only after I wired XXXX into the savings account.\n\nThe negative balance and fees resulted from an unauthorized checking account being opened in my name and linked to my profile without my consent. Savings accounts cannot overdraft, so the negative balance is entirely due to the unauthorized account.\nAdditionally, because I did not receive the required disclosures at account opening and was told they would be mailed to me, I had no way of knowing that an unauthorized account had been opened or that my address had been changed.\n\nI am requesting that Citi:\n1.\tClose the unauthorized checking account\n2.\tReverse all fees and negative balances\n3.\tCorrect my mailing address\n4.\tConfirm that only my savings account remains open and in good standing\n5.\tProvide corrected wire instructions for my savings account\nThis situation has caused significant inconvenience, and I am requesting CFPB assistance to ensure the issue is resolved 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 non-monetary relief
Consumer complaint received 2026-04-09 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
hair services XXXX XXXXXXXX XXXX {$120.00} services requested TOTAL BLONDE did not result / outcome was TOTAL BROWN not the hair color that was requested there was {$44.00} amount in excess. Paid in total {$170.00} Comenity Bank denies the fact that service was unsatisfactory Comenity Bank refuses to provide the written response they had received from the store. Comenity Bank denies my dispute. the charge took place on XX/XX/XXXX the dispute to the Bank was submitted on XX/XX/XXXX XXXX the dispute is still in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc.
State: NV

Complaint narrative:
Misrepresentation and Deceptive Loan Refinancing by Avant I am submitting a complaint against Avant regarding a refinancing transaction that I believe involved misleading and deceptive practices. I currently have an existing loan with Avant. I contacted their customer service on the XXXX of XX/XX/year> to request an additional loan because I needed funds to address a financial obligation. During this call, multiple representatives ( i spoke with XXXX different people because i couldn't understand what they were speaking accent was too strong ) informed me that I could not take out a second loan, but that I could refinance my existing loan. The representative explicitly stated that : - My original loan would be paid off or forgiven- A new loan would be created - Funds would be deposited into my personal bank account Based on these representations, I agreed to proceed with the refinance. However, after the transaction was completed : - I did NOT receive any funds in my bank account - The new loan amount only covered the payoff of the prior loan - The new loan includes significantly higher total repayment costs, including thousands of dollars in additional interest - The transaction provided no financial benefit to me and did not meet the purpose for which I agreed to proceed I believe I was misled into accepting a refinance under false or incomplete information. The terms of the transaction, as executed, were not consistent with how they were explained to me by the representative. No documents were signed on my end to this agreement!! As a result, I have : - Contacted my bank to stop automatic withdrawals- Begun seeking legal advice I am requesting : 1. A full investigation into this transaction 2. Copies of all signed agreements and disclosures related to this refinance 3. Access to any recordings or transcripts of the call in which this refinance was discussed 4. Consideration of reversing or canceling this refinance due to misrepresentation This situation has caused me financial harm and significant distress. I am requesting prompt review and resolution. Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was contacted by an agency called Procollect regarding a debt of around {$270.00} allegedly owed to XXXX on XXXX. I never received any formal bill or notification from the apartment complex. I am disputing this debt in its entirety and I already paid in full of the same amount to a previous collection agency in early XXXX. I moved out of this apartment complex in XXXX XXXX and have had no contractual relationship or residency there since. In XX/XX/XXXX, this same debt amount was held by XXXX XXXX. Although I never received a formal bill or notification from the apartment complex at that time, I paid the {$270.00} balance in full on XXXX XXXX, XXXX specifically to protect my credit score from negative reporting ( credit card bill attached ). My XXXX credit report and XXXX credit report from XXXX ( attached ) verify this, showing the debt was updated to " 100 % paid off '' with a XXXX balance on XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX to request a payment confirmation ; however, the agent on call claimed that they are not the XXXX XXXX company ( despit their automatic voice message said they were formally called this name ). The agent claimed that could not locate my record despite me providing my name, DOB, address, and the account number listed on my TXXXX report. I have never received any mail, email, or phone calls from XXXX on XXXX regarding any outstanding balance between XXXX and today. Upon calling the apartment management on XX/XX/XXXX, they claimed I have a debt on file from XXXXa period during which I did not live therebut stated they " can not do anything '' to remove it. This lack of notification and the inconsistent dates suggest the debt is invalid, a duplicate, or erroneously re-aged. I request that Procollect cease all collection activity and that the creditor update their records to reflect the settled status of this account. I sent a formal dispute form to Procollect via certified mail with tracking number ( attached ) on XX/XX/XXXX. I disputed the debt for XXXX reasons and Under the Fair Debt Collection Practices Act ( FDCPA ), I request that they provide " Verification of Debt, '' and cease contacting me until they provide the information. However, the agent still attempted to call me on XX/XX/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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex cancelled my account incorrectly. If you look at the chat they sent the terms of cancellation between XXXX and XXXX and I approved because the chat was moving so fast. I didnt realize they were closing my platinum card. There was no indication of my account ending in XXXX in the chat. Amex is now refusing to reverse the cancellation, even though after speaking with their rep they said it was possible. I believe this is an intimidation tactic as my annual fee will be coming up in XXXX. They want you to pay the {$890.00} annual fee for the year without being able to recoup the full benefits. So they make cancelation easy without taking proper steps to confirm with the consumer. Please help my card get reinstated. This was a big misunderstanding. Ive been Amex customer for XXXX years, and they canceled my card within XXXX minutes in an online chat without making it clear to me as a consumer that my main personal card was the one being canceled. No phone call to confirm whether I would like to truly cancel my card after being a consumer for years. This has nothing to do with XXXX credits, if you look deeper into my account I already received the credit. This is a predatory, deceptive, and manipulative pushback strategy and not a proper way to treat consumers. I called Amex immediately after the chat ended to see if they can reinstate my card and they said they would review and get back to me. They were not kind and stern on their decision without hearing my point of view and understating the chat was a big misunderstanding and happened within XXXX minutes. Amex is not hearing my case and I am requesting the CFPB to help advocate for me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: UT

Complaint narrative:
On or about XX/XX/XXXX, I received notification through Cash Apps in-app support chat that my account was being closed for allegedly violating the Terms of Service and/or Acceptable Use Policy. No specific violation was identified. I was told I could still withdraw remaining funds, but that all other features, including my Cash App Card, had been disabled. I immediately submitted an appeal through Cash Apps in-app support chat. On or about XX/XX/XXXX, I received written notice that my appeal was denied. Again, no specific reason or policy provision was cited for the closure. At no point has Cash App provided me with a clear explanation of what activity or transaction triggered this closure. I have not engaged in any activity that I believe would violate the Terms of Service or Acceptable Use Policy. I am requesting : ( 1 ) a specific, written explanation identifying the exact policy provision I allegedly violated and the activity that triggered the closure ; ( 2 ) reinstatement of my account if no legitimate violation occurred ; and ( 3 ) confirmation that all remaining funds in my account are accessible for immediate withdrawal. I note that Block , Inc. ( Cash Apps parent company ) is currently subject to a CFPB Consent Order issued XX/XX/XXXX, which addresses Cash Apps pattern of inadequate customer service and failure to properly resolve consumer issues. My experience appears consistent with the conduct identified in that order.

Company response to consumer: Closed with explanation