vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: MI

Complaint narrative:
URGENT : Adverse Inference & Impossible Compliance Notification - XXXX XXXX XXXX XXXX XXXX PNC XXXX : Adverse Inference & Impossible Compliance Notification - XXXX XXXX : URGENT : Adverse Inference & Impossible Compliance Notification - XXXX XXXX To : [ Insert Representative 's Email or Dispute Resolution Email ] From : XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX ID Reference : XXXX To Whom It May Concern, I formally requested a copy of the audio recording from the day my checking account was opened. This request was explicitly denied by your department, citing " policy. '' Your refusal to produce this primary evidence creates an adverse inference. By suppressing the recording, PNC Bank effectively admits that my account of the conversation is accurate : I was entrapped regarding the verification of my funds. 
Furthermore, your current demands place me in a state of Impossible Compliance, creating a logical and legal deadlock involving XXXX, HIPAA, and the ADA : XXXX ( Source of Funds ) : My income is derived from a protected XXXX plan governed by XXXX. 
HIPAA ( Privacy Violation ) : To provide the " proof '' you are demanding, I would be forced to disclose documentation that reveals or implies my medical status. You are a financial institution, not a healthcare provider ; you have no right to this information. 
ADA ( Discrimination ) : By freezing or withholding my funds because I refuse to surrender my medical privacy, you are engaging in disparate treatment based on the source of my income. This is a direct violation of the Americans with Disabilities Act. 
The Riddle you can not solve : You are demanding I verify my income ( XXXX ) in a way that forces me to waive my privacy rights ( HIPAA ). When I refuse to waive those rights, you punish me by withholding my money ( ADA ). 
I expect your settlement offer to reflect both the adverse inference of the missing tape and the illegality of this impossible compliance loop. 
I await your immediate resolution. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
my credit report it saying I got a payday loan from cash net USA. I have never applied for a payday loan through that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter to the Mohela stating that while XXXX was servicing my loans, they did not provide adequate notification that my student loans would accrue interest during my forebearance period. This resulted in {$7700.00} worth of accumulated interest on my loans. I have been struggling for years to pay down this balance and it has put me in financial hardship. The loans are almost XXXX years old now and I still owe more than I originally took out for college. 

On XX/XX/XXXX, Mohela responded with a message showing how student loan interest is calculated now, however, they did not address the issue that transpired when XXXX owned the loans. 

XXXX was not transparent about what would happen to my loans when they steered me toward forebearance. This became very apparent when the class action lawsuit against them by The Office of Minnesota Attorney General XXXX XXXX was won in XXXX. It only future proves the wrongdoing by XXXX. Please note that the payout from that lawsuit was roughly {$300.00} so it was nowhere near the financial burden of the {$7700.00}. 

I have asked Mohela to remedy this wrongdoing by eliminating the {$7700.00} that accumulated without prior notice to me. Their response of how student loan interests accummulates today is not a complete response. Please assist me in getting this situation remedied, as I will continue to struggle to pay this interest off for decades to come. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Aldridge Pite Han have old accounts back from early XXXX XXXX and have taken money from my account, cleaned me out to {$0.00}, garnished wages and have payments so high now that I can't keep up. Suppodsley I have XXXX accounts there from the early XXXX XXXX. They rarely return emails in a timely fashion. They don't answer for days or weeks and never answer the question at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shepherd Outsourcing, LLC
State: MI

Complaint narrative:
I need Help with XXXX XXXX which is trying to collect a debt that I paid to XXXX XXXX in XXXX GA on XX/XX/year>. This payment was {$2000.00}. I have a copy of my credit Card statement showing that I paid it. It was the differenct from a Repo of a XXXX XXXX that got sold and the difference was that amount. I do need help with this so I can get it off my credit and have this setteled with the debt collector. I do not have a copy of the receipt for the payment all I have is the credit card statemment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Too many inconsistencies on XXXX, XXXX, and Equifax. Violation of my identity ( FCRA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: TX

Complaint narrative:
They keep calling every single day, even though I answer and I get no response and they usually call during work hours and leaving me voicemails and nothing about what debt I supposed owe and never received a letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Im not sure whether confusion is : so allow me to clarify. I was sent the closing cashier check for {$350.00} however, upon my recollection I had over {$7500.00} left in my savings account. The bank did not issue the cashiers check for my savings account in which you are finding in the sum of over {$5300.00}. I understand what the merchant has expressed to me about the cashier check sent from my checking account, in the amount of : {$350.00}. This amount of {$350.00} dollars did not reflect the amount left in my savings account, in which the bank found the amount of over {$5300.00}. Allow me to further attest to this fact : My problem/complaint is that the merchant never responded to my notarized letter to retrieve ALL of my property from my dormant account I originally. XXXX and I were about to recover {$5300.00} from BMO bank account information, bmo bank never issued the check for my remaining property. Let the records show even though there has not been a transaction since XXXX when I moved to another state, the account was left dormant ; however, I was still allotted the remaining amount sum of {$350.00} that was left in my checking account. My savings account was never sent out to me to begin with. That is what I have been reiterating and that is the situation at hand. The money is there, its viable and the bank has accounted to this record; stonewalling my savings account is against policy and reflects on the BMO banking process to retrieve personal property. 


Attached is my ONLY letter from BMO BANKING for the cashiers check of {$350.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: MOHELA
State: AZ

Complaint narrative:
Multiple loans were taken out using my maiden name, old address, etc. I was notified of the loans in XX/XX/XXXX and I have been disputing them and trying to get them out of my information since then. MOHELA is the servicer of the loans, and they have given me different information about my loans and their statuses almost every time I have called them. I have spent countless hours on the phone trying to speak with " XXXX Agents '', who seem to take me in circles. I spoke with XXXX of those agents XX/XX/XXXX and they told me they had all of the documentation they needed to proceed with their attorneys and the Dept. of Education reviewing my case, and to call back in a few months because that process takes a while. I called back XX/XX/XXXX and they told me nothing has happened with my case because they didn't receive the signatures that the previous agent told me they did receive. I have filed a formal packet outlining the fraud with MOHELA, a police report, disputes with all of the credit bureaus, the dept. of education, FTC, and I am still not getting anywhere. This whole thing has been a nightmare ; my credit score declined significantly because MOHELA was reporting that my loans were in a derogatory state, I had credit lines decrease, I have spent so much time/energy/stress on this, it's insane.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: LA

Complaint narrative:
I got into some Financial Hardship and had to acquire a Debt Relief program attached documents are included I'm willing to pay back the loan through this program I'm just curious why the Loan company would close or write off the account, I know these can be a pain in the XXXX at times but they put the account was closed then it screws up your credit report but when you pay it off the loan companies don't report they've received money from the Debt consolidation payoff

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.

Complaint narrative:
A client of JPMorgan Chase Bank N.A purchased expensive products from our website and XXXX months later decided to file a chargeback for " product unacceptable ''. 

The client XXXX XXXX had never communicated with us before or after the purchase so it came as a surprise. However with no contact from the bank and no evidence provided to us. JPMorgan decided to allow XXXX to keeps all the products and just reverse the funds from us and charge us XXXX chargeback fee We lost {$410.00} USD + {$25.00} AUD and also the products. 

The bank will not communicate with us but we happy enough to allow this chargeback scam to occur to us, which is a multibillion dollar issue in the ecommerce space. 

How can JPMorgan allow a client to just reverse the charges without any communication to us, no communication from XXXX or the bank. How in their wisdom do they fail " investigate '' and just allow this kind of fraud to happen? 

How is a merchant able to " provide '' evidence when the customer never complained or communicated with us? 

This behaviour needs to stop and the buck has to start at the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this formal complaint against VyStar Credit Union for what I believe to be unfair, retaliatory, and potentially discriminatory treatment following a legitimate debit card dispute. 

After opening a new account with VyStar Credit Union, I was issued a debit card and later reported the card as lost after discovering an unauthorized transaction. I followed VyStars stated procedures by promptly notifying the credit union and disputing the charge in good faith. Instead of protecting me as a member, VyStar abruptly revoked my debit card and restricted my account access.

VyStar justified this action by claiming that my account was new and that they could not verify whether my debit card was actually lost. This justification is unreasonable, inconsistent with standard banking practices, and contrary to VyStars own member and debit card policies. There is no legitimate method by which a consumer can prove a card was lost, and no VyStar policy disclosed to me states that newer members are subject to adverse action simply for exercising their right to dispute unauthorized transactions.

VyStars actions appear punitive and retaliatory. I was never provided a meaningful opportunity to respond, submit additional information, or challenge their decision. No clear written explanation, policy citation, or investigative findings were provided to justify the revocation. This lack of transparency and due process directly contradicts VyStars stated commitment to fair treatment, member protection, and responsible dispute handling.

I am particularly concerned that VyStar relied on subjective assumptions rather than facts, raising serious concerns about discriminatory or arbitrary decision-making. Penalizing a member for reporting a lost card and disputing a transactionespecially based solely on account age creates a chilling effect on consumers willingness to report fraud and undermines the protections debit card users are entitled to expect.

As a direct result of VyStar Credit Unions actions, I experienced disruption, stress, and restricted access to my own funds. I believe VyStars conduct constitutes unfair and abusive practices and a violation of its own internal policies and member rights.

I am requesting that the CFPB investigate VyStar Credit Unions handling of my account, require VyStar to provide a full written explanation supported by policy and evidence, and compel corrective action. If this matter is not resolved appropriately, I am prepared to pursue all available legal remedies. 

Thank you for your attention to this serious matter. 

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB
State: MD

Complaint narrative:
On XX/XX/XXXX, I became aware of fraudulent activity on my XXXX debit card. I received a notification that a payment bounced. When I signed into XXXX, I saw XXXX pending Klarna payments that I did not authorize. There was also an attempt for Klarna to make a third payment, but this bounced due to insufficient funds. The pending amounts were for {$250.00} and {$250.00}. The third, which bounced, was for {$240.00}. All were made on XX/XX/XXXX. 
I immediately locked my XXXX debit card and changed my password. I then called XXXX, but they were not open yet. So, I called Klarna. I told them what happened, and they asked me to verify the account information. I explained that I did not have an account, and they insisted that they couldn't look into any transactions without first verifying the account. I gave them my name, address, and phone number. It did not match any of their accounts. I asked them to look up the transaction by payment, flag the payment, or forward me to whoever handles fraud, and they said they could not do any of those things without an account. 
I then called XXXX, flagged the charges as fraudulent, and opened a claim. The charges were still pending at this time. Despite Klarna and XXXX both being told that the charges were fraudulent, the charges went through 9 days later. 
My XXXX claim was denied on XX/XX/XXXX. I called and appealed their decision. They denied the appeal on XX/XX/XXXX, so I filed a police report. 

Klarna allowed an unauthorized account to be opened with my XXXX debit card, and they have failed to perform due diligence under " Know Your Customer '' ( KYC ) laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Starmark Financial LLC
State: IN

Complaint narrative:
On XX/XX/XXXX they called my cell phone 3 times and then proceeded to call my work phone harassing me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal recently issued a " Permanent Limitation '' on my account without any warning or opportunity to cure a perceived issue. I have reviewed the PayPal User Agreement extensively. Under Section 10 ( Restricted Activities ), I have committed no violations. Furthermore, under Section 11, PayPal failed to provide the transparency or notice expected for a long-standing account with a perfect standing ( XXXX negative balances and XXXX fraud history ). 

I have attempted to resolve this through standard customer service channels, but I am met with automated responses stating the decision is " irreversible. '' I do not accept that a computer algorithm can arbitrarily terminate a multi-year financial relationship without human oversight or specific evidence of a policy breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: SC

Complaint narrative:
Spoke with the Sallie Mae phone contact line. Asked for information on a forbearance/ deferment, loan adjustment, interest-only payments, or other administrative relief options. 

All agents said I was not eligible for ANY relief in any way due to recently being on the Graduated Repayment Plan ( GRP ). This plan was to pay interest only for XXXX months. This plan expired in XX/XX/year>. I have since made XXXX full standard Principal and interest payments. My original loan contract says I can request forbearance at any point when interest and principal payments are being made. The GRP had a clause that said once completed, I would be ineligible for forbearance and " some repayment plans. '' However, when asking about other options, I get the same answer, " you are not eligible for ANY repayment plans, forbearance, or other assistance. '' Additionally, my contract says the minimum I must pay can never be less than {$50.00}. Even when offering this as a short-term plan to help me get ahead, it is met with a blanket NO. Lastly, the GRP clause states, " ( Sallie Mae ) reserve the right to modify eligibility requirements, '' yet no one seems to even attempt and just says it's the computer system, we can't override it. 

I have a case number from the escalation manager who said I was not eligible for any help at all. I was late on payment last month and had just paid up, as that's what the collections person told me to do, then I would be eligible for some assistance. After a whole morning of trying to get any reasoning for the denial, I am left with no answers. Just a blanket denial. Even with both my original contract and GRP agreement saying I should be eligible for " some '' repayment programs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: CA

Complaint narrative:
I have no clue what this is and i told them, i also told them my personal information was compromise. They told me to prove and file the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Multiple claims reversals for claims I never filed the bank filed them without my authorization the ones I wanted to file they didn't do they did some other ones I didn't say nothing about XX/XX/XXXX. Acct XXXX but said I used card for {$39.00}, would decline, but said good. Put me at XXXX that would have been declined. Claims person was filing, reversing claims I never claimed. He did several like this trying to fix what he did without my knowledge or authorization. I have attempted to get money back, but bank listening to his story. Which is not true. I call bank, claims dept, he answers. Every time. I can not get anyone who seems to know what I'm saying. He filed SEVERAL UNAUTHORIZED CLAIMS, ERRONEOUSLY, TO COVER HIS MISTAKES, Taking money out of my acct on different dates, after saying I couldn't file claims after 60 days. He did several on same dates as mine they said I couldn't do. UNDERSTAND? But mine were declined amounts! They were put in and reversed back to customer, 5 times each, but out of the 60 day period. How does customer get this money paid? If I can't argue those due to 60 day rule, it was not customer who did this. Bank would have had to do that. Because it would decline again, if customer or I would try. XX/XX/XXXX Perfect example. Says I used debit card while $ XXXX in the red!!! Would decline! Now this is fully explained, and fully explains WHY MY ACCT is constantly in the red!!!!!!! I want it paid back! Send me all claims filed on paper and from XXXX XX/XX/XXXX to XX/XX/XXXX and I can tell you what is erroneous. Keep $ amounts on as they were at by so I can make sure it's the right ones. Thanks

Company response to consumer: Closed with explanation