vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet Servicing , LLC unlawfully declared my federal student loan in default and transferred my account to the DXXXX XXXX XXXX while continuing to use, disclose, and report my personal financial information without lawful authority. 

On XX/XX/XXXX, Nelnet mailed me a notice stating that my loan had been declared in default and transferred to the XXXX XXXX XXXX, and that Nelnet no longer maintains the account on its system. Despite this, Nelnet continued to communicate balances, loan numbers, default status, and account data. 

Nelnet disclosed my non-public personal financial information to a XXXX  party without providing required privacy, routine-use, or consent notices. This violates the XXXX XXXX, the Privacy Act of XXXX, and federal student loan servicing rules. 

Nelnet also furnished and communicated credit and default information after it lost servicing authority, resulting in inaccurate and unauthorized credit reporting under the Fair Credit Reporting Act. 

Neither Nelnet nor the XXXX XXXX XXXX provided a lawful debt validation notice under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
Ive been using SoFi banking for about XXXX months, I am a XXXX XXXX XXXX XXXX XXXX. Recently when sports betting I kept receiving a notification for unusual activity on XX/XX/XXXX. Today XX/XX/XXXX, I get a notification via email around XXXXXXXX XXXX my account is temporarily restricted for my safety. I call the customer service number and it was a complete joke! Was told that my account is gon na be closed, no explanation. I bring up the unusual activity notifications I got from text and the app and the guy proceeds to say Yes its a very XXXX situation as your account has never had any indication of fraud but unfortunately we can not tell you exactly why the account will be closing and you will receive a check in the mail for any funds in the account. This is an unethical situation and they need to be investigated immediately. Ive seen many consumers online dreading that their accounts are being randomly closed for no reason. I am under the impression that their internal system is being hacked and everyones personal information is stolen. I have an IRA through SoFi also and was not told how to retrieve those funds either. This is all a big headache, I do not recommend any consumer to waste time on a low class bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
Hello, I am requesting a goodwill review of the late payments previously reported on my federal student loan account ending in XXXX XXXX XXXX 

During the time those late payments occurred, I was experiencing a financial transition and hardship that temporarily impacted my ability to manage payments. That situation has since been resolved. 

My account is now current and in good standing, and I am fully committed to maintaining on-time payments moving forward. I respectfully ask that you consider removing or reducing the historical late payment notations as a goodwill adjustment, given my corrective actions and current compliance. 

Thank you for your time and consideration. 

XXXX XXXXHello, I am requesting a goodwill review of the late payments previously reported on my federal student loan account ending in XXXX XXXX XXXX 

During the time those late payments occurred, I was experiencing a financial transition and hardship that temporarily impacted my ability to manage payments. That situation has since been resolved. 

My account is now current and in good standing, and I am fully committed to maintaining on-time payments moving forward. I respectfully ask that you consider removing or reducing the historical late payment notations as a goodwill adjustment, given my corrective actions and current compliance. 

Thank you for your time and consideration. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Beginning in XXXX, I experienced significant medical hardship that included multiple XXXX XXXX  and extended periods of medical incapacitation, which limited my ability to work consistently and caused serious financial disruption. As a result, my American Express credit card account became delinquent and was later charged off. After my situation stabilized, I contacted American Express to request a review and explanation of the continued negative credit reporting and to seek goodwill reconsideration based on hardship. American Express responded by letter dated XX/XX/XXXX, stating that their position remained unchanged but did not explain how my hardship was evaluated or whether a meaningful investigation was conducted. I also repaid the agreed-upon amount after being informed that the credit reporting could be addressed once payment was made, but was later told this was not the case. The negative information continues to be reported without a clear explanation of the review process or findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
We got hardwood floors installed by XXXX and they were financed through Wells Fargo. We paid off the loan but I overpaid the loan by {$920.00} Customer service at Wells Fargo said we need to use the money for flooring. We would like a check.

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 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Klarna AB
State: TX

Complaint narrative:
Klarna has posted 30 day late payments for 8 accounts. I have an agreement with Klarna for installment loans. I should not be negatively impacted 8 different times with 1 company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX unlawfully declared my federal student loan in default and transferred my account to the Default Resolution Group while continuing to use, disclose, and report my personal financial information without lawful authority. On XX/XX/XXXX, XXXX mailed me a notice stating that my loan had been declared in default and transferred to the Default Resolution Group, and that XXXX no longer maintains the account on its system. Despite this, XXXX continued to communicate balances, loan numbers, default status, and account data. XXXX disclosed my non-public personal financial information to a third party without providing required privacy, routine-use, or consent notices. This violates the XXXX XXXX, the Privacy Act of XXXX, and federal student loan servicing rules. XXXX also furnished and communicated credit and default information after it lost servicing authority, resulting in inaccurate and unauthorized credit reporting under the Fair Credit Reporting Act. Neither XXXX nor the Default Resolution Group provided a lawful debt validation notice under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: WI

Complaint narrative:
My account was put on limited access twice from XXXX and then on XX/XX/XXXX my account was closed. I contacted customer support for Chime on XX/XX/XXXX and was told my account was closed due to going against their terms, but the support agent was unable to tell me what exactly was invalidated. I asked what happened to my funds in my account and the agent said she was unable to see any funds in the account. I asked to speak to a supervisor and the agent hung up on me. I waited and contacted again today XX/XX/XXXX to speak with support and inquire if the check for my {$910.00} balance in my account was issued. The customer support agent stated that because I went against their terms my account is ineligible for a refund by check. I told him that I wasnt provided any reasoning behind closure and that I had just had a deposit for my employment come through before they closed my account and needed to speak with a supervisor. The agent denied me speaking to a supervisor. I then ended the call because the agent was only repeating the same thing over and over and not providing any resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: MA

Complaint narrative:
This guy is calling EVERYONE I know, my job, my family, my friends. EVERYONE and scaring them thinking something bad has happened. He is mean, and rude and super aggressive. Says his name is XXXX XXXX from Alliant Capital Management. He was SO mean, he had my elderly mother in tears.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc.
State: TN

Complaint narrative:
On XXXX XXXX MoneyLion withdrew $ XXXX from my bank account without my clear authorization. This was taken immediately when my funds were deposited, and I was not given the option to stop, delay, or adjust the withdrawal. When I contacted MoneyLion, they refused to help, provide clarity, or reverse the charge. 

This withdrawal caused serious financial hardship, because this money was needed for rent and essential living expenses, and I am now at risk of not being able to pay for housing. My bank has stated that they can not stop the transaction while it is pending. 

I am requesting a full reversal/refund, an explanation of how this withdrawal was authorized, and for MoneyLion to stop further debits from my account. I believe this was unfair and harmful, and I need assistance to resolve this urgently.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On Sunday XX/XX/2025 I went to the XXXX XXXX XXXX. I went to the Gap store and went to check out. The cashier checking me out said you can save XXXX  % just by checking if you approve for the Gap credit card. I was not informed that this would open a new credit card account. I thought it was only a check to receive XXXX  % off. Once she checked it, she told me I approved and handed me a booklet with a receipt and told me the purchase will be charged to my new credit card. I was confused and told her that I didn't want to open an account and asked if she could undo it. She said she couldn't do it. A couple days later I received a credit card in the mail and realized an account had been opened without my informed consent. I have been working on my credit for the past couple of months and this account will negatively impact that. I contacted the issuer and explained that the account was opened due to cashier misrepresentation, they closed the account, and I paid the balance of {$56.00} on XX/XX/2025 via online. I am requesting removal of this account from my credit report due to misrepresentation and deceptive enrollment.

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 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am writing to express my formal dispute regarding the amount of debt you claim i owe to your agency, after reviewing my records, I believe the amount you are claiming is inaccurate. I am not disputing the validity of the debt itself, but rather the accuracy of the debt from a XXXX  party debt collector which buys hundreds of debt for pennies on the dollar, according to the fair credit reporting act says everything on your credit report must be accurate complete and fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXXI am a user of XXXX  to send and receive the money from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was sent to XXXX  Arnold. Chase Bank sent the money to the phone number XXXX XXXX XXXX  which is NOT THE NUMBER of the  recipient. Recipient \'s valid phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When recipient did not receive the money I called Chase and explained that recipient did not receive the money, there were 2 claims opened and immediately closed the claims for the reason  "THE MONEY WAS ALREADY SENT TO THE RECIPIENT. Upon further inquiry I noticed the the number the money was sent to was not my recipient\'s number. It is registered as XXXX XXXX XXXX XXXX XXXX. IT SHOWS AS A BUSINESS ACCOUNT. WHILE MY RECIPIENT IS IN CALIFORNIA  AND DO NOT HAVE A BUSINESS ACCOUNT. I HAVE THE PROOF THE TELEPHONE COMPANY THAT THE MONEY SENT TO THE NUMBER XXXX XXXX XXXX DOES NOT BELONG THE RECIPIENT. THE BANK HAS REFUSED TO REOPEN THE CLAIM AND IS REFUSING TO REFUND THE MONEY WHICH THEY SENT TO WRONG NUMBER. I HAVE TRIED MANY TIMES TO RESOLVE THIS MATTER, BUT NO SUCCESS.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: ADP Inc.
State: FL

Complaint narrative:
My card was locked by them due to " fraudulent activity '' they wanted me to provide my Driver 's License and W2 which I did two days before XXXX it is XX/XX/XXXX and they still have not unlocked my card. I have sent my info to them two times been on phone with them several times they can not provide me any information as to why it's locked they wont let me speak to anyone in authority that can fix this problem. They just keep telling me to call back. This has already ruined my XXXX, I have bills to pay etc. I've had to go to XXXX to get food cause I cant get groceries I have XXXX kids this is ridiculous. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was in the middle of trying to do a home loan.And I walked into the bank to get some more documents.I did not at the time.Have online banking on my business account.Due to the fact, they had hacked it a year and a half ago through the online bank app and took XXXX XXXX dollars.Which the bank did return me then. When they printed the last few days of my statement out.That 's when I found these charges and I have not been using the account.Hardly at all because of trying to do this bank statement loan for my house. We caught this on XXXX the XXXX  it had started on XXXX the fourth, with the fifteen dollar test page.As you can see. It's strange that this started when I started a home loan.A bank home loan on a bank statement loan using this account very strange. I am blaming fifth third bank on the inside somewhere.But I can't prove it.Someone is going to have to investigate this. My company needs the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
( SOFI BANK ) My account was closed by Sofi Bank after filing a fraud dispute. For some reason it seems to be standard practice for Sofi to close customers accounts after filing a dispute after looking into it online. I have a {$1200.00} balance in my account that I need access to for urgent bills, I have communicated this with Sofi multiple times, I was told a check would be issued within XXXX business days and no check was issued. I would like my account to either be reopened will full capabilities or I would like a check issued to the address on file immediately. I also requested a callback from a manger which I have never received. The company seems to be ignoring my request. So once again I would like a check to be issued to me immediately or my account to be reopened as theyre was no reason for the closure at all. I read through all SOFI policies and I have not violated any. I am aware that Sofi can end the business relationship with a customer at any time but you can not withhold my funds from me. I need access to my money as I have urgent needs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am submitting this complaint regarding a missing direct deposit associated with my Chime account. 
My employer confirmed that my paycheck was successfully processed and sent via direct deposit on XX/XX/year>. I can also see confirmation through my employer 's payroll system indicating that the payment was issued. 
However, the funds never appeared in my Chime account. 
I contacted my bank, Chime Financial, multiple times regarding this issue. Chime has stated that they have " not received anything yet '' and have declined to investigate further. This issue has impacted multiple employees who also use Chime, suggesting a potential systemic processing problem rather than an isolated payroll error. My employer has verified that the routing and account numbers are correct and that no rejection or return was received. Despite this, Chime has provided no resolution, timeline, or escalation path. 
This missing deposit has caused financial hardship, and I am concerned about Chime 's failure to investigate or provide meaningful assistance. I am requesting that this issue be formally reviewed and that Chime be required to conduct a proper investigation into the missing funds. 
Please let me know if additional documentation is required. I am prepared to provide payroll confirmation, screenshots, and communication records upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My loan was sold/ transferred from XXXX XXXX XX/XX/XXXXXXXX to Lakeview ( serviced by Loan Care ) in XX/XX/XXXX. My mortgage payment with XXXX was {$3700.00}, which was paid in that amount through XX/XX/XXXX. The first month with Lakeview was XX/XX/XXXX and the amount due was {$3700.00}. Then, they ran an updated " escrow analysis '' and claimed there was a massive shortage in my escrow account, raising my XX/XX/XXXX mortgage payment over {$1000.00} to {$4700.00}. 

Lakeview claims that the shortage reflected in the " escrow analysis '' was due to a water tax in the amount of {$4400.00} that has never been assessed. It took XXXX calls on XX/XX/XXXX ( XXXX minutes ) and XX/XX/XXXX ( XXXX minutes ) for Lakeview to even identify the issue at all. I was told that I needed to submit documentation that no tax was being assessed for the tax year XXXX. The letter from the XXXX XXXX XXXX cost {$25.00} and took me XXXX hours ' worth of driving to retrieve. I submitted the official letter/documentation from the city water authority on XX/XX/XXXX to Lakeview indicating that there was no assessment for tax year XXXX. 

I have since called Lakeview an additional XXXX times on XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting updates on the inflated XXXX mortgage amount due to the incorrect escrow analysis. Every single time I have requested an updated escrow analysis reflecting that {$0.00}, instead of {$4400.00}, is due for the water tax, which would clear the purported shortage in the escrow account. Despite the repeated requests and frequent assurances that a " work order has been opened '' to get the escrow analysis corrected, I am being told now that it will not be completed until XX/XX/XXXX. 

Also, I have been assured that a " credit freeze '' has been placed on the account but have no way of verifying that is true. 

Regardless, I am being damaged because Lakeview will not take a payment of anything less than {$4700.00} while they delay and stall on trueing up the escrow analysis. I would be happy to pay my typical amount of {$3700.00}, which would reduce the amount of the mortgage that is accruing interest. But they won't take it. So, I will be paying more in interest over the life of the loan than I should be due to Lakeview 's issues and mistakes.

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