vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted an Income-Driven Repayment ( IDR ) application to my loan servicer Nelnet ( confirmation number XXXX ) requesting a recalculation of my payment under an income-driven plan. The application status on XXXX shows " Application Submitted '' on XX/XX/XXXX, but has remained " In Progress '' for nearly XXXX months with steps XXXX ( Application Review ) and XXXX ( Application Processed ) never completed. I have checked both my email ( XXXX ) and my Nelnet secure inbox and received zero communication from Nelnet explaining why the application was not processed, that it was incomplete, that the plan I selected was unavailable due to court injunction, or that any action was required on my part. I was given no opportunity to correct or resubmit. As a result of Nelnet 's failure to process my application and failure to communicate, I remained in SAVE Plan Pause Forbearance from XX/XX/XXXX through XX/XX/XXXX approximately XXXX months. Time spent in SAVE Pause Forbearance does not count toward IDR forgiveness. Had my application been processed or had Nelnet notified me that it could not be processed, I would have immediately switched to an eligible plan and begun accruing qualifying payments toward my XXXX forgiveness timeline. I am now submitting a new PAYE application on XX/XX/XXXX. Under PAYE, my forgiveness timeline requires XXXX qualifying payments. I currently have XXXX qualifying payments credited. The XXXX months lost due to Nelnet 's failure to act represents approximately {$18000.00} in future payments I will now be required to make that I otherwise would not have, based on my projected income of {$120000.00} upon reemployment at a payment rate of approximately $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My former state where I live was XXXXXXXX XXXX this is a credit card that I owed money to that I fell behind on I had signed up for national debt relief company thats supposed to take and pay these credit cards and then we paid them they told me that this was paid for and were going back Five years. Not knowing that this credit card was still opened I moved to XXXX and after being here for several months as sheriff showed up at my door telling me that I owed this money and that it was in a law office and if I didnt pay that I would be directed debit out of my paycheck. Being very concerned about that I set up a payment plan with this law office and started paying XXXX a month and that was all I could afford. ive called them several times to see if theres anything else that they can help me with being that I didnt even know I had this debt and I feel like its more than I actually owe. they told me they couldnt and they gave me a one sum payment. I was only able to come up with XXXX XXXX of that settlement payment that they told me that I could pay and then it would be closed. I ended up having to take out a loan just to pay the XXXX XXXX of this credit card I would like to know how we could make this a final payment as I did pay XXXX XXXX of what I owe owed. I would like you to keep in mind at this company has threatened to garnish my salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: WI

Complaint narrative:
In XXXX of XXXX, I sent a large check for {$4600.00} to pay off the balance on my PNC account as I had been doing for many years. Apparently they had not received the payment and the first I knew about it was when my card was turned down for {$5.00} at XXXX! We called customer service and they insisted that they did not get the payment, so we told her that we would be stopping payment on the check and would call back afterwards to pay it with a telephone withdrawal. We went to our bank and stopped payment on the check. As soon as we got home, I called customer service again and made the payment of {$4600.00} while I was on the phone and told her to close my account as I was not at all happy about not being notified that they did not receive my payment until after they put a hold on my account. She said there would be some new charges but that she could close the account that day, which she did. That was on XX/XX/year>. I paid the new balance of {$990.00} on XX/XX/year>, as soon as I got their statement. We also got a letter stating that the account was closed and there was a {$0.00} balance due. I will send copies of these documents to you. Then apparently, also on XX/XX/XXXX, the missing check for {$4600.00} suddenly turned up. The one I told them I stopped payment on. And they actually tried to cash it! And then sent us a bill for {$27.00} for a returned check fee! I called customer service again and talked to XXXX. I demanded to know why they would try to cash that check when our account was closed and we owed them nothing. She said that they had the right to cash any payments sent to them. I asked her what they intended to do with the money and she said it would be a credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XX/XX/year>, they say a debt of XXXX belongs to me. I told him it was fraudulent. They told me to file a police report and they would take it off. I did that they did not take it off. I just left small claims court. They could not rule to have it removed my credit report they said I can seek damages, but they told me to follow the steps through the consumer credit bureau to get it removed. I have the police report

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 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: UT

Complaint narrative:
I have made multiple attempts to verify a debt collection that is appearing on my credit report. I have tried to dispute the debt on my credit report but they come back that it is valid. When I call to get payoff details from the debit collection agency I typically get transferred or told to call multiple numbers. All they want to do is recite they are a debt collector and take payment. They won't send written verification of debt and won't respond to a mortgage refinance request for payoff amount directly from my lender. Debt was originally a credit card XXXX XXXX but is now with XXXX but have also been given the name Halsted Financial Services and XXXX XXXX and different phone numbers for all three. They won't email or mail me proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
This is my second escalation regarding an unresolved escrow error involving incorrect XXXX property tax amounts on my mortgage account. On XX/XX/XXXX, I submitted a Qualified Written Request ( QWR ) and Notice of Error under the Real Estate Settlement Procedures Act ( RESPA ) for Loan # XXXX. In that request, I formally notified Rocket Mortgage that my escrow account was based on incorrect property tax figures. Specifically, Rocket Mortgage overpaid my XXXX property taxes using an inflated amount exceeding {$10000.00}, when my actual annual property taxes are approximately {$4000.00} ( consistent with both XXXX and XXXX tax assessments ). The county assessor has confirmed the correct amount, and I received a reimbursement for the overpayment, which I provided to Rocket Mortgage as documentation. Despite : Submitting official documentation from the XXXX XXXX XXXX Providing proof of reimbursement for the overpayment Sending multiple follow-ups ( including XX/XX/XXXX ) Rocket Mortgage has failed to correct the property tax amount used in my escrow calculation. As a result, I am being charged for an escrow shortage/back pay that I do not owe, and my monthly mortgage payments have been significantly inflated. Under RESPA ( 12 U.S.C. 2605 ( e ) ) and Regulation X, Rocket Mortgage was required to : Acknowledge my Notice of Error within 5 business days Investigate and correct the error within 30 business days As of today, this issue remains unresolved well beyond the required timeframe, indicating a failure to comply with federal mortgage servicing requirements. Additional Information : I have provided Rocket Mortgage with : Official County Assessor documentation showing correct tax amounts Proof of reimbursement for the tax overpayment Multiple written notices and follow-ups This issue has now been escalated multiple times without resolution. I am requesting immediate regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I filled a complaint, # XXXX, the bank PNC retaliated against me by summarily closing my account, refusing me access to my balance funds. The original complaint was escalated to A PNC associate twinkle XXXX XXXX who has now refused to acknowledge my query emails or answer my call or voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: TX

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 2026-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I opened a gm rewards card with barclay it has been restricted since XX/XX/XXXX the day after I received it! I have 5 charges on there to XXXX XXXXXXXX XXXX XXXX! That i didnt get the services for i have tried to dispute those charges and charge them back! I couldnt do it on the phone or online because of the restrictions! So i mailed in the dispute and my documents to charge back the XXXX dollar charges and they will not dispute those charges and i now have a blocked card and an out standing bill! The costumer service has been a disaster! I made a open dispute at XXXX XXXX to XXXX today 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 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CHERRY TECHNOLOGIES INC.
State: NY

Complaint narrative:
On XX/XX/year>, I visited a dental provider, received an XXXXXXXX XXXX XXXX XXXX XXXX and XXXX and was told that a XXXX XXXX XXXX would not be covered by my insurance. Based on that information, I was advised to take out a {$2500.00} loan through Cherry to cover the cost. After the procedure, I later found out that my insurance was, in fact, billed for the same service and issued payment to the provider. The Explanation of Benefits ( EOB ) indicates there is no patient responsibility for the service performed. To date, the only service I received was the XXXX XXXX. I did not receive any XXXX XXXX that was outlined in my original treatment plan. Despite this, after I submitted all documentation to Cherry for a dispute, Cherry still holds me responsible for the full loan balance, which remains unchanged and has not been adjusted to reflect the services actually performed or the insurance already paid by my insurance. I have contacted both the dental office and Cherry multiple times, requesting a full itemized bill and a clear explanation of how this balance was calculated. I have not been provided with a complete or transparent breakdown of the charges, which has been frustrating and concerning. Cherry has acknowledged that insurance made a payment, but the loan has still not been corrected. I am being asked to repay a loan for a service that my insurance has already covered. Additionally, I spoke with a representative from my insurance company who confirmed that the dental office is an in-network provider. As an in-network provider, they are contractually required to accept the insurers allowable amount and can not charge more than permitted under that agreement. My insurance has already paid the allowable amount for the XXXX XXXX under their contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was told I would receive my cash back when they finish their investigation, but they have now threatened to take my car and charged off my credit card. I want file a complaint about the XXXX of Chase, XXXX, XXXX and XXXX XXXX as all of them have screwed me in one way or another. Seriously, this must be sent to the DOJ as sorry, these banks need to be taught a lesson. Back to Chase. Nine months already if the money is not returned by end of week, I will file a complaint with the DOJ and FBI myself as these banks are now too big to care about what any of us consumers. This is truly because I went off on an offshore resource who had no clue about rules on cashier 's checks. Remind them XXXX + XXXX that was never paid and I did receive an email about Chase cancelling a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: TX

Complaint narrative:
I am filing this complaint because Apple Card has repeatedly failed to properly investigate and resolve a dispute involving defective merchandise purchased through XXXX XXXX on XX/XX/year> ( XXXX XXXX XXXX XXXX ). I am extremely dissatisfied with Apple Cards handling of this matter and the continued refusal to evaluate my claim accurately despite multiple detailed submissions and direct communications with dispute representatives. From the moment the printer was removed from the box, it failed to function and has never operated as advertised. The device exhibited persistent and material defects, including : Repeated failure to remain connected online Inability to reliably download print files Ongoing failure to complete prints despite extensive troubleshooting These failures rendered the product unusable immediately upon receipt. I submitted a dispute through Apple Card in good faith and clearly identified the claim as defective merchandise. Despite this, Apple Card repeatedly misclassified my dispute as a billing error. This classification is incorrect, inappropriate, and inconsistent with the facts I provided. I have explained multiple times to at least three Apple Card dispute representatives that this is not a billing issue. It is a defective-goods dispute involving merchandise that never functioned as intended. Even after providing detailed documentation, timelines, and explanations as requested, Apple Card continued to deny the claim without conducting what appears to be a reasonable or good-faith investigation. This failure to properly evaluate the nature of the dispute has effectively denied me access to the protections I am entitled to as a cardholder. I also attempted to resolve the issue directly with the XXXX XXXX merchant. There is no functional customer service channel beyond an automated chatbot and no meaningful escalation pathway. Because the merchant failed to provide support, I relied on Apple Cardas the issuing creditorto investigate the transaction appropriately. Apple Card failed to do so. Because the printer never worked and no resolution pathway existed through either the merchant or the platform, I was forced to purchase a replacement printer at my own expense so my daughter could complete a required school project. Apple Cards continued refusal to classify this claim correctly as defective merchandiseand its repeated denials despite clear supporting informationrepresents a serious failure to properly investigate a valid dispute. After speaking with multiple dispute representatives and providing detailed written documentation several times, this ongoing error is unacceptable and inexcusable. It has resulted in my being held financially responsible for a product that was defective from the moment it was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: Selene Holdings LLC
State: MD

Complaint narrative:
I had house fire XX/XX/year>, and me and my family living hotel for over 7 months, but my prious morgage company XXXX transfer my loan to selene finance, while we still paying morgage monthly, and I didn't receive any mail, because we dont living the house that time, and selene finance had very bad customer service, every time I try to make payments, they ask me to apply loan modification, and I did, but they told me they didn't receive anything after I submitted and sent them documents, also, nationwide paid {$67000.00} to fixed my house, but Selene fiance keep it as escrow money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
I am filing this complaint against Security Credit Services , LLC for reporting inaccurate and unverifiable collection account information to all three major consumer credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Security Credit Services is reporting a collection account with an alleged balance of {$860.00}, citing XXXX XXXX XXXX as the original creditor, Account No. XXXX. This account is being reported across all three major credit bureaus with material inaccuracies and cross-bureau inconsistencies that demonstrate the information can not be fully verified. Specifically, I am alleging the following violations : XXXX. LEASE-TO-OWN DEBT DOCUMENTATION DEFICIENCY : The alleged original creditor is XXXX XXXX XXXX, a lease-to-own company. Lease-to-own agreements are not traditional credit accounts and require significantly more documentation to be verifiable including the original signed lease agreement, the complete agreed-upon payment schedule, a full itemized accounting of all charges and fees comprising the {$860.00} balance, documentation that XXXX XXXX exhausted internal collection procedures before placement, and the complete chain of title establishing Security Credit Services ' legal right to collect and report this debt. Collection agencies that acquire lease-to-own debts routinely lack complete documentation packages, rendering the debt unverifiable under the FCRA. 2. COMPLETE ABSENCE OF PAYMENT HISTORY ON XXXX : My XXXX credit report reflects absolutely no payment history for this account. While XXXX and XXXX reflect monthly collection notations going back to XXXX, XXXX shows none. This fundamental cross-bureau inconsistency demonstrates that Security Credit Services is furnishing inconsistent and unreliable information to the credit bureaus. XXXX. CROSS-BUREAU REPORTING INCONSISTENCIES : The same account is being reported with materially different payment history information across all three bureaus. An account can not simultaneously have an extensive monthly collection history on XXXX and XXXX while showing zero payment history on XXXX. These irreconcilable inconsistencies are direct evidence that the furnished information fails the FCRA 's accuracy standard. XXXX. UNVERIFIED BALANCE COMPOSITION : The reported balance of {$860.00} is not supported by any itemized accounting on any of my credit reports. Without a complete breakdown of all original lease charges, fees, and penalties, the accuracy of this balance can not be independently confirmed.

Company response to consumer: Closed with explanation