vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-08 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: VA

Complaint narrative:
My granddaughter was in college when the loans were taken out. She graduated got a job and asked for loan modification as she wasn't making that much. They did that for the first year. Then she was given an opportunity to go to XXXX from her college for a yr. The pay wasn't what she expected and she was having difficulty paying. At the time I was working full time and made payments for her or paid what she couldn't. When the loan modification was up in XXXX they said she couldn't get any other loan repayment program until XX/XX/XXXX. I continued to pay what she couldn't. In XX/XX/XXXX I was forced to retire. Everyone that retired under their program was told we would be eligible for unemployment. VA unemployment stated I wasn't eligible even though I've been working for many years without unemployment. I filed a 2nd appeal and am still waiting. I have since been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My husband is a XXXX vet and is only working part-time XXXX XXXX XXXX XXXX My granddaughter in XXXX is not even making enough to eat. I had to send her money so she can eat. She will be back in XX/XX/XXXX and has already started applying for jobs here. Im constantly being harassed with phone calls, txt messages and emails that they will sell the loan or take legal action. Every month I gave them money, not the full XXXX but what I could beg or borrow for. Now I have to travel XXXX hrs for XXXX XXXX and pay for a hotel. I dont have the money for either. Every month they say to call back next month to see if there is a program. There is never a program. They also say there is no XXXX other then a mgr to speak with and theres no options for me. They suggested getting a loan to pay them off. Kind of hard to get a loan when you are not employed. Please tell me there is something derogatory about their practices. They are constantly harassing me when my situation hasnt changed but gotten worse. Please tell me what I can do as this stress is not helping my health at all. They sent the attached letter stating to contact them for payment arrangements but that is a lie because for.months they stated there is no option. My husband is a veteran and part of the XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
Fabco was suppose to be taken off my credit because its been XXXX years plus they agreed to remove it when I file my complaint with you guys and it was not removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I saw that last month on XX/XX/year> the annual fee of {$99.00} was charged by FNBO on my XXXX credit card. I do not use that card much anymore, so called on XX/XX/year> to tell FNBO that I wanted to close the account unless they would waive the fee. FNBO stated that since there was activity on the account after the annual fee was assessed on XX/XX/year> that they would not refund the fee even if I closed the account within XXXX days of the fee being assessed. So, according to their logic/rules, if I had called on XX/XX/year>, only XXXX days after the fee was assessed, and I had made a {$1.00} charge on XX/XX/year>, they would not refund the fee. I have never had a credit card company not refund their annual fee if the account is closed within XXXX days of the fee being assessed.

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 2026-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: OK

Complaint narrative:
XX/XX/XXXX : date of service, went to emergency room at XXXX XXXX XXXX XXXX XXXX my XXXX XXXX XXXX XXXX with XXXX XXXX XXXX ( stationed in XXXX XXXX XXXX GA ) XX/XX/XXXX : received collections from my credit bureaus from ABILITY RECOVERY SERVICES in the amount of {$2200.00} ( sold to them by emergency group XXXX, GA ) XX/XX/XXXX : contacted ARS rep and was told that the providers basically forgot to bill my insurance and they were coming to me to pay it. ( balance billing service members for provider/admin error is illegal ). They wanted me to ask XXXX to be lenient on their rule so they could get paid. XX/XX/XXXX : Contacted TRICARE ( my insurance ) and was told they NEVER submitted a claim for that DOS. And they have a strict XXXX yr law for submission. Georgia has a strict medical law as well with XXXX yrs being the cut off. XXXX was XX/XX/XXXX and ARS submitted as collections on XX/XX/XXXX, well past the time allotted. XX/XX/XXXX : tried to get into contact with billing department for XXXX XXXX XXXX, no answer PROVIDER FAILED TO BILL AND TIMELY FILING LIMIT EXCEEDED, this {$2200.00} medical debt is not mine and is strictly PROVIDER LIABILITY ( emergency group of XXXX GA XXXX XXXX to their own administrative errors and not that of myself as the service member or XXXX. and selling this to a third party debt collection ( ABILITY RECOVERY SERVICE ) to balance bill is illegal.

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 2026-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
There was a verbal settlement agreement established between the original creditor, XXXX, and the collection agency, IC Systems. Per the agreement, once the amount of {$230.00} was paid, the account was to be processed as " paid/settled in full '' and permanently removed from all credit reporting bureaus. Additionally, IC Systems agreed to email a confirmation statement to XXXX. I have fulfilled my portion of the agreement and paid the funds. However, since XX/XX/year>, I have repeatedly contacted both parties to obtain this documentation, and both have failed to honor the agreement or provide the requested paperwork. The reporting of this incorrect information on my consumer report is inaccurate and non-compliant with consumer protection laws.

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 2026-07-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Sky Blue Financial Services, Inc.
State: NC

Complaint narrative:
SUPPLEMENTAL EVIDENCE UPDATE TO EXISTING COMPLAINT Target Company : Sky Blue Financial Services, Inc. ( Sky Blue Credit ) CFPB Case Number : XXXX I am filing this critical supplemental evidence to document a severe, malicious, and retaliatory escalation by Sky Blue Credit that has now resulted in the permanent destruction of my active financial assets. XX/XX/year> : As documented in my initial filing, I terminated my contract with Sky Blue Credit after discovering they had launched unauthorized automated disputes against my healthy, active XXXX XXXX account. In response to my demand for transparency, the Sky Blue representative stated, " Because you have threatened us, we are canceling your account right now, '' and severed my contract. XX/XX/year> : I contacted XXXX XXXX directly. A representative reviewed the file, recognized that the initial automated dispute initiated by Sky Blue was unauthorized, and manually reopened my credit line. On XX/XX/XXXX, XXXX issued a notice that a new physical card was being mailed to me. I subsequently made regular payments to the account on XX/XX/XXXX and XX/XX/XXXX. XX/XX/year> : XXXX abruptly closed my account for a second time, with no notice or adverse action letter provided to me. XX/XX/year> : After weeks of tracking down the cause of this secondary closure, I spoke with a XXXX XXXX supervisor. XXXX 's executive account notes explicitly reveal that the XX/XX/XXXX closure was executed because XXXX received a formal, written letter from Sky Blue Credit demanding that my account be permanently closed. The Core Violation : Sky Blue Credit explicitly weaponized my personal details and the Limited Power of Attorney ( LPOA ) obtained during our brief engagement to maliciously sabotage my credit profile weeks after our contract was legally severed on XX/XX/XXXX. XXXXky Blue had zero consumer authorization, legal standing, or contractual right to communicate with my financial institutions on XX/XX/XXXX, let alone demand the destruction of an 11-year trade line. This crosses the line from contractual negligence into intentional, malicious consumer fraud, identity manipulation, and tortious interference under the Credit Repair Organizations Act ( CROA ). Requested Regulatory Action : I request that federal regulators compel Sky Blue Credit to produce the exact text and date of the unauthorized correspondence sent to XXXX XXXX that forced the XX/XX/XXXX closure, and pursue maximum administrative and civil penalties for blatant retaliation against a consumer who held them accountable.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied, on multiple occasions over the last XXXX months, for a personal loan from Citi Bank. I have continuously received email offers from them to apply for a personal loan and that I am pre-approved for up to {$50000.00}. I have applied and been denied every single time. When I ask why, I am being formally told that my personal information can not be verified. I have checked with all three major credit bureaus, in addition to a full XXXX report to cross-check all my personal details to ensure that my name, address, etc. are all accurate and current. All of my personal information has been verified thoroughly and there is not a single issue with any of my personal details from any major credit bureau, or from XXXX. I have inquired to have a manual review of my Citi personal loan application but am ignored. There is no way to contact Citi customer support that can assist with this matter, including, but not limited to, their executive support.

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 2026-07-08 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: CITIBANK, N.A.
State: SD

Complaint narrative:
Hello. I need assistance with a dispute, as Citi XXXX closed the dispute in the merchant 's favor without all information needed regarding the purchase. This is for a purchase made XX/XX/year> with The Layer intimate blanket company, totaling {$74.00}. 1 ) I have not received any emails from the company beyond the initial confirmation email. 2 ) I have received no notice that my product is back-ordered or unavailable from the company. 3 ) I have attempted to contact the company at their information email on the website and my order confirmation, and the emails returned undeliverable. ( attached copies ) 4 ) I have not received the product from the company. 5 ) I have been given no avenue to request a refund from the company in writing. 6 ) I was unable to find the link to redispute the purchase in the Citi app after receiving the resolution. The previous dispute was resolved in the merchant 's favor based on the merchant confirming the order was made and providing their shipping policy, which states they will ship within 3 days and if there is a back-order they will email the customer. The merchant did not follow their own policy.

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 2026-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent ProCollect, Inc. a final demand letter via XXXX XXXX Mail ( Certified Mail XXXX XXXXXXXX ) formally disputing a collection account, XXXX XXXX, in the amount of {$16000.00}, originally placed by XXXX XXXX XXXX XXXX ProCollect received this letter on XX/XX/XXXX, giving them until XX/XX/XXXX to respond and validate the debt under 15 U.S.C. 1692g. As of today, XX/XX/XXXX, it has been 11 days past that deadline, and ProCollect has not responded in any way no validation, no documentation, no correspondence of any kind. This debt is not valid. The underlying eviction case was a non-monetary eviction filed XXXX months after I moved out. After I provided evidence, XXXXXXXX XXXX own attorney filed a motion to dismiss and XXXX failed to appear for the scheduled hearing meaning XXXX XXXX own legal counsel conceded the case. No monetary judgment was ever entered against me. Separately, XXXX XXXX XXXX confirmed in writing on XX/XX/XXXX that no claim was ever filed under my policy ( XXXX XXXX. XXXX ), which further contradicts any basis for this balance. ProCollect also disputes my move-out date ( they claim XX/XX/XXXX, which I dispute as incorrect ), yet they have never provided documentation to support their figures. Despite having no valid documentation and no court judgment supporting this debt, ProCollect continued reporting a {$16000.00} balance to the credit bureaus. XXXX has already fully deleted this account from my credit file after reviewing my dispute. However, XXXX and XXXX are still actively reporting the same account and balance, even though XXXX can not validate it. XXXX 's conduct violates the XXXX XXXX XXXX XXXX XXXX, including 15 U.S.C. 1692g ( failure to provide debt validation within the required timeframe ) and 15 U.S.C. 1692e ( using false, deceptive, or misleading representations by continuing to report and attempt to collect an unverified, disputed debt ). I am requesting that the CFPB investigate ProCollect, Inc. for these violations. I am seeking : ( XXXX ) immediate deletion of this account from all credit bureaus, including XXXX and XXXX ; ( XXXX ) written confirmation that ProCollect has ceased all collection activity on this account; and ( XXXX ) a written response acknowledging these violations. I have documentation available including the certified mail receipt, the court 's dismissal order, and the XXXX XXXX XXXX email confirmation.

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 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: UT

Complaint narrative:
On XX/XX/2026, I used the U.S. Bank mobile app to turn off my automatic payment because I am currently enrolled in a debt consolidation program with XXXX of their partner companies XXXX XXXX XXXX XXXX ). The app successfully allowed me to unenroll and gave no warning or notification that the immediate upcoming payment would still be processed. Because the app failed to disclose that the payment was already locked in, U.S. Bank pushed the transaction through anyway, entirely draining my checking account and forcing it into severe overdraft. Our household relies on a single household income alongside my spouses XXXX benefits making us a vulnerable single earner family. I do not get paid until XX/XX/XXXX, leaving me with {$0.00} for basic necessities like food and gas. Furthermore, my upcoming paycheck will now be entirely swallowed by overdraft fees caused by this error. I have contacted U.S. Bank customer service XXXX separate times. XXXX representatives explicitly promised me that the money would be returned to my account. However, the bank has reneged on these promises. Today, XX/XX/2026, a supervisor changed their story, claiming they can not return the funds because they didn't receive the consolidation notice until yesterday and the " minimum was not paid '' -which is factually incorrect, as the auto-pay pulled more than the minimum payment from my account. The bank is using internal bureaucracy to withhold my funds, violating the explicit verbal agreements made by XXXX of their own representatives today and forcing me into an extreme financial crisis.

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 2026-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I uploaded my email in to a data breach finder. It showed that my email alone has been compromised over XXXX times. I then began to notice multiple hard inquiries on my credit report which lead to me to see if Id been a victim of identity theft to began with.

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 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint because Bank of America has placed an unjustified hold on funds from a check I deposited, and the bank continues to provide misleading and inconsistent information while refusing to complete a reasonable investigation. The deposited check was drawn on a Bank of America account. Therefore, Bank of America has direct access to verify the authenticity of the check and the availability of funds through its own internal systems. After the hold was placed, I contacted Bank of America on multiple occasions. During each call, I was told that the bank needed to " verify the check with the issuer. '' I fully cooperated and repeatedly requested that the verification be completed. On XXXX separate occasions, Bank of America representatives assured me that the verification process had been initiated. I was provided confirmation numbers for these calls, which I have retained as evidence. Despite these repeated assurances, no meaningful action appears to have been taken. To the best of my knowledge, no one from Bank of America has contacted the maker of the check to verify it. Instead, representatives continue to repeat the same scripted response that the check is " still under review. '' This conduct raises serious concerns that Bank of America is intentionally delaying access to my funds without completing a reasonable investigation. Repeatedly representing that verification is pending while failing to perform the verification constitutes misleading customer communications and an unreasonable delay in handling deposited funds. If Bank of America believes there is a legitimate issue with the check, it should clearly identify the issue, explain the factual basis for the hold, and provide the specific reason supported by evidence. Instead, the bank has provided only vague statements while refusing to explain what additional information is needed or why the verification has not been completed.

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 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Attempted to open a checking account with Wells Fargo. When I attempted to apply online, I was denied and told to make an in-person appointment because they ( Wells Fargo XXXX needed to verify my identity. I went in person to verify and was informed by the banker that my social security number was registered to someone elses profile ( but I never made a profile with Wells Fargo ). The banker then told me to bring my social security card so they can make a copy of it and confirm my identity. A week or so later, I went to a different Wells Fargo hub with my social security card and told the banker my situation. I was there to confirm my identity with my social security card, ensure that there is no fraudulent activity going on, and open a checking account. The banker said we first need to ensure there is no fraudulent activity going on before we open an account so she called the XXXX department and told me they were solving that issue first. She never made a copy of my social security card. She said that she would be in contact with me regarding the fraud issue. I followed up with her a week later and she had no update for me. Wells Fargo never followed up again. Today I reapplied online for the checking account to see if the issue was solved and see if my profile is rightly registered to my social security number but it still isnt. There was no due diligence at all from Wells Fargo. Someone wrongly made a Wells Fargo profile with my social security number and Wells Fargo let it happen.

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