vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I am submitting this complaint regarding the servicing of my federal student loans by Nelnet associated with my attendance at the XXXX XXXX XXXX between XXXX and XXXX. During this time period, I obtained a XXXX XXXX and XXXX XXXX XXXX based on repeated representations that the programs would improve my employment opportunities and career advancement potential. Subsequent findings by federal regulators, including enforcement action by the Federal Trade Commission, identified concerns regarding representations related to employer relationships and employment outcomes. My complaint concerns whether my loan servicer provided clear and accurate guidance regarding available federal borrower protections, including XXXXXXXX XXXX XXXX XXXX. Borrowers rely on servicers to provide accurate information regarding repayment options, discharge eligibility, and federal relief programs. My concerns include : failure to inform borrower of borrower defense options failure to provide accurate repayment guidance improper handling of account status failure to notify borrower of potential discharge eligibility credit reporting concerns inadequate response to disputes Because I relied on representations regarding career outcomes when deciding to continue enrollment, the resulting loan balances have created long-term financial impact, including effects on my credit profile and debt-to-income ratio. I respectfully request review of whether all appropriate borrower protections were applied and whether accurate information regarding federal relief options was provided. Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been calling Midland Credit Management since XXXX and also been chatting on there chat website. I have also mailed them numerous papers back saying I dispute a couple of the debts and I want proof. Literally a week later I get a welcome letter saying pay this now. I have spoken to XXXX, XXXX, XXXX, Texas and most recently to XXXX XXXX. These associates have threatened to sieze my property, take money out of bank accounts. I have asked to mail in payments for a debt I owe and again I get scream at saying no, they want want bank information on file, I have asked to make monthly payments and again I get threatened by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am disputing a {$310.00} charge on my Apple Card ( Goldman Sachs ) for vehicle transport brokerage services that were never delivered. On XX/XX/year>, I paid a deposit to a broker ( XXXX XXXX XXXX ) to arrange transport of two vehicles with a scheduled pickup date of XX/XX/year>. From XX/XX/XXXX through XX/XX/XXXX, the merchant repeatedly stated via text message that they were still working on the order and had not secured a carrier due to limited driver availability. At no point was I provided with a carrier name, MC number, XXXX number, insurance certificate, driver contact, or pickup confirmation. As of XX/XX/XXXX ( the day before pickup ), no carrier had been assigned or confirmed. The pickup date passed without any service being performed. Only after I requested cancellation did the merchant claim that a carrier had been assigned, but no documentation supporting this claim was ever provided. Due to the merchants failure to perform, I was forced to secure alternative transportation at significantly higher cost. I submitted message evidence showing no carrier was ever confirmed. However, Goldman Sachs denied my dispute, stating no evidence to substantiate the claim, without addressing the lack of carrier assignment or service delivery. Under the Fair Credit Billing Act, charges for services not delivered as agreed constitute a billing error. I am requesting that Goldman Sachs conduct a proper investigation and reverse this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am filing this complaint because Resident Advocate ( Account XXXX ) has failed to validate a disputed debt for over XXXX months, in violation of the FDCPA and FCCPA. On XX/XX/XXXX, I formally disputed a {$1400.00} balance. On XX/XX/XXXX, the company acknowledged my dispute via email, stating an investigation was " ongoing. '' Since that date, they have provided XXXX documentation and XXXX resolution. I sent a final notice follow-up on XX/XX/XXXX, which was also ignored. The disputes are as follows : 1. Double-Charged Fee : The creditor ( XXXX XXXX XXXX XXXX XXXX ) withheld my {$800.00} security deposit to cover an early termination fee. Resident Advocate is attempting to charge an additional {$800.00} fee for the same event. This is a duplicate charge. 2. Inaccurate Rent : They are charging {$400.00} for " base rent '' that was paid in full during my residency. I returned my keys on the final day of my lease and do not owe this. 3. Unresolved Settlement : I have repeatedly offered to pay the {$220.00} cleaning feewhich I acknowledgeprovided the inaccurate charges are removed. The company has sat on this " investigation '' since XX/XX/XXXX without providing proof of the debt. I am requesting that this account be corrected to reflect only the {$220.00} balance or closed entirely due to their failure to validate the debt within a reasonable timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
I am filing this complaint regarding the repossession of my vehicle financed through Stellantis ( XXXX XXXX ). My vehicle was repossessed on Monday morning after a delay of approximately XXXX days on a payment. This was an isolated situation, and prior to this, my account had always been in good standing. I understand my responsibility regarding payments ; however, I am actively attempting to resolve the situation in good faith. I have contacted the company multiple times requesting reinstatement options, including bringing the account current and paying any applicable fees. Despite my efforts, I have not been provided with a clear path to reinstate my vehicle. Instead, I was informed that I must pay the full remaining balance of the loan, which creates an unreasonable financial burden. I am requesting that the company provide fair and reasonable reinstatement options, as I am willing and able to resolve the past due balance immediately. Additionally, I am concerned about the lack of access to supervisors or escalation channels, as my requests for further assistance have not been properly addressed. I respectfully request that this matter be reviewed and that the company works with me toward a reasonable resolution. This situation has caused significant emotional distress and financial hardship. I respectfully request : A clear explanation of the policies applied in my case The opportunity to reinstate my loan under reasonable and standard terms Immediate assistance in resolving this matter fairly I appreciate your prompt attention to this issue. Sincerely, 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 non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have 3 open claims, with BOA that have been handled very poorly. XXXX - opened on XX/XX/XXXX for {$21000.00}. denied on XX/XX/XXXX and reopened when i sent in a police report and phone data extraction. escalated the claim on XX/XX/XXXX, and still not response on the claim as of XXXX. XXXX - opened on XX/XX/XXXX for {$9400.00}. credit given and now on XXXX my claim is complete against me with no information. I have a police report and phone data extraction. XXXX- opened XX/XX/XXXX for {$12000.00}. credit provided and claim still open, police reports have been submitted. All of these claims have had nothing to do with me, and is proven with my documentation. I would like them all reviewed IMMEDIATELY. Why is only one of my claims handled correctly? ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, my family traveled from XXXX to XXXX via XXXX XXXX XXXXXXXX. We held a XXXX connecting flight ( Flight XXXX, XXXX XXXX and an XXXX XXXX XXXX from XXXX to XXXX. Both were purchased using an American Express XXXX XXXX. XXXX XXXX XXXX was delayed over 90 minutes due to an XXXX XXXX XXXX reroute. Scheduled departure was XXXX XXXX, actual departure was XXXX XXXX. Scheduled arrival was XXXX XXXX, actual arrival was XXXXXXXX XXXX As a result, we missed our XXXX connection and incurred {$1400.00} in rebooking costs. I filed a Trip Delay Insurance claim through XXXX XXXX Assist ( the benefits administrator for the Platinum Card ) in XX/XX/year>. XXXX denied the claim on XX/XX/year>, stating the delay was caused by " late arrival of equipment '' and did not qualify as a covered event. I appealed on XX/XX/year>, arguing that late arrival of equipment constitutes an equipment-related failure under the policy. XXXX requested additional documentation via voicemail on XX/XX/year>. I obtained updated letters from XXXX confirming the delay was caused by an Air Traffic Control reroute and submitted these on XX/XX/year>, along with individual delay letters for all three passengers. Since XX/XX/year>, XXXX has not responded to written correspondence. They have only called to repeat the denial without addressing the substance of the appeal. The policy covers trip delays caused by inclement weather, and XXXX data shows approximately 70 % of XXXX delays are weather-related, which would make this a covered event. I have been an American Express XXXX XXXX member for over 15 years and have never filed a travel insurance claim. This claim has been unresolved for 12 months. American Express customer service has repeatedly directed me back to XXXX rather than taking ownership of the issue. The claim number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CO

Complaint narrative:
I am writing to formally contest a filing error regarding my recent disputes. On my previous call, I specifically instructed the representative to add XXXX missing transactions from the merchant XXXX ' to my existing investigation, Case # XXXX. Instead, the representative opened a brand-new dispute, Case # XXXX, against my explicit instructions. Because these XXXX transactions are part of the same incident reported on XX/XX/XXXX, they should have already qualified for provisional credits. By opening a new case today ( XX/XX/XXXX ), the representative has effectively reset the XXXX window for my credits, which is a direct result of Chimes internal filing mistake. I am requesting the following : Immediate Provisional Credit for the XXXX transactions in Case # XXXX. Case Linking : That Case # XXXX be manually linked to the timeline of Case # XXXX so that the legal XXXX investigation window ( per Regulation E ) is respected from the original report date. I have already received a {$97.00} credit for the first XXXX transactions. There is no reason for these additional, identical charges from the same merchant to be delayed due to a representative 's error i was advised the XXXX of XXXX they would have this resolved and give me a update within XXXX days and im being ignored now and when calling them they are denying to credit my account with the additional funds until they finish investigation that was supposed to be in my other case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing to formally dispute the reporting of an account associated with XXXX on my credit report. I believe this account has been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681, Section 602, which states that I have the right to privacy. Additionally, under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), it states that a consumer reporting agency may not furnish an account without my written instructions. Furthermore, pursuant to 15 U.S.C. 1666b, a creditor may not treat a payment on an open consumer credit plan as late for any purpose. Given these violations, I respectfully request that this account be investigated and removed from my credit report immediately if it can not be proven

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase is not allowing me to access the funds that I have in my savings account they refuse to let me access my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, I made purchases at multiple restaurant locations in XXXX, XXXX XXXX in XXXX on an American Express XXXX in the XXXX offer that was added to my enrolled Gold Card. The offer promised 10 % back on qualifying restaurant purchases made during the offer period. I made the following restaurant purchases during the qualifying period : XX/XX/year> : XXXX XXXX XXXX GB ( {$7.00} ), XXXX XXXX XXXX XXXX XXXX ( {$20.00} ), XXXX XXXX XXXXXXXX XXXX ( {$27.00} ), XXXX XXXX XXXX ( {$51.00} ), and XXXX additional XXXXXXXX XXXX charge ( {$19.00} ). XX/XX/year> : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$11.00} ), XXXX XXXX XXXX XXXX XXXX XXXX {$67.00} ). These are all sit-down restaurant purchases made in person in XXXX during the stated offer period. I made these purchases specifically because of the enrolled offer. American Express denied the offer credits. When I contacted customer service, a representative submitted escalation case XXXX and later XXXX. After the second escalation, I was told the purchases were deemed ineligible without a clear or consistent explanation. The representative cited merchant participation terms and directed me to XXXX. That website currently displays the following message : Amex Dining is currently on pause and will return soon. The site provides no list of participating merchants and has not provided one during the relevant period. American Express is denying my credits based on a merchant participation requirement that it can not substantiate and that I had no reasonable means to verify at the time of purchase, because the verification tool they directed me to was and is non-functional. Holding cardmembers to a participation standard while the designated verification resource is offline is an unfair and deceptive practice. I relied on the offer in good faith, made purchases that facially qualify under the offer terms, and was denied credits with no actionable explanation. I am requesting that American Express post the statement credits owed under the Dine in the XXXX offer in full, and that the CFPB investigate whether American Express is systematically denying Amex Offer credits to cardmembers by citing participation requirements that can not be independently verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
We have assumed a mortgage for my husband 's deceased grandparents we turned all of our paperwork over to XXXX XXXX we had full access to our account. When rocket mortgage took over the loan we have had access online no issues. They keep sending emails to set up the online account when we try to register it says this information is not found. When I call in I'm told.they don't all successors to access the account at all. We was advised we can only set up auto pay or call the automated system but not allowed any access or information on the account. I asked again why was we not informed of this and if she could send out written proof she just kept saying this call is going no where. We should of been notified that we no longer can access the mortgage information if needed, statements or year end tax info that if we have problems the only thing we can do is make payments or refinance the mortgage. I feel we should of been properly notified of this change so.that we had time to prepare for not being able to access information on a mortgage we pay each month without fail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: NJ

Complaint narrative:
It is well documented that the school I attended is part of lawsuits for defrauding students and being predatory. My federal student loans were discharged and I applied for school misconduct several times, providing newspaper articles and proof of harm from the school. File does not get reviewed properly and the denial is arbitrary and being denied based on technicalities despite documented school fraud and dismissal of loans from federal govrnment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Fraudulent account opened without my authorization or knowledge. Provided valid documentation requested from the reporting agency to stop the collection of this debt. I am a victim of identity theft and wish to have this attempt to collect stopped immediately.

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 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing a formal regulatory complaint requesting immediate intervention by the Consumer Financial Protection Bureau ( CFPB ) against Wells Fargo for their systemic, willful, and ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ). For over 12 months, I have repeatedly submitted detailed disputes regarding a materially inaccurate and unverifiable tradeline being reported on my consumer credit file. Each dispute included clear and compelling documentary evidence demonstrating the inaccuracy of the account. Despite this, Wells Fargo has willfully failed to conduct a reasonable reinvestigation as required by federal law. Instead, they have relied on a superficial, automated verification processbelieved to be conducted through the e-OSCAR systemresulting in repeated, blind verifications of the disputed account without any meaningful human review or substantive evaluation of the evidence provided. This pattern of conduct constitutes a direct and knowing violation of federal law and binding legal precedent, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which explicitly prohibits furnishers and consumer reporting agencies from relying on cursory or automated procedures in lieu of a genuine reinvestigation. In good faith, and in an effort to avoid formal arbitration and federal litigation, I served Wells Fargo 's Legal Department with a Pre-Arbitration Settlement Demand, providing a 15-day opportunity to cure these violations by deleting the inaccurate tradeline. They have deliberately ignored this demand. As a result, Wells Fargo continues to publish and disseminate false, incomplete, and highly damaging information about me to third parties, causing ongoing financial harm, reputational damage, and unlawful suppression of my creditworthiness.

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