vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 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: MOHELA
State: MA

Complaint narrative:
I am filing this complaint against MOHELA, my federal student loan servicer, for billing me an incorrect payment amount that is inconsistent with my approved Income-Driven Repayment ( PAYE ) plan, and for failing to provide any notification regarding my recertification or payment amount. BACKGROUND : I have a federal student loan balance of {$210000.00} serviced by MOHELA. I am enrolled in the Pay As You Earn ( PAYE ) Income-Driven Repayment plan. On XX/XX/XXXX, an automatic IDR recertification was initiated on my behalf. The recertification was reviewed and completed by MOHELA on XX/XX/XXXX. My approved monthly payment under the XXXX plan, as confirmed by my Federal Student Aid account at XXXX, is {$780.00} per month. THE ERROR : My billing statement for my XX/XX/XXXX payment, following the completed recertification reflects a payment due of {$1800.00} almost {$1100.00} above my approved IDR payment of {$780.00}. MOHELA has provided no explanation for this amount and has not identified what repayment plan or calculation method was used to arrive at {$1800.00}. FAILURE TO NOTIFY : At no point did MOHELA send me any communication, by email, postal mail, or portal message, regarding my recertification, my approved payment amount, or the {$1800.00} billing amount. I only became aware of my approved {$780.00} payment by independently checking my XXXX account. I became aware of the {$1800.00} billing amount only upon receiving my my most recent billing statement. This failure to communicate violates federal servicing requirements. IMPACT : The difference between the incorrect billing amount and my approved payment is {$1000.00} per month. If left uncorrected, this would result in me being overbilled by {$13000.00} annually. I am a Massachusetts resident and this error places a significant and unlawful financial burden on me. ACTIONS TAKEN : On XX/XX/XXXX, I submitted a written dispute through MOHELA 's online portal requesting immediate correction of my payment to {$780.00}, a written explanation of the {$1800.00} figure, and a processing forbearance to protect my account during the dispute. I am simultaneously filing a formal Notice of Error by certified mail and complaints with the Massachusetts Attorney General 's Student Loan Assistance Unit and the FSA Ombudsman. RESOLUTION REQUESTED : 1. Immediate correction of my monthly payment to {$780.00} as approved under my PAYE recertification completed XX/XX/XXXX ; 2. A written explanation from MOHELA identifying the basis for the {$1800.00} billing amount ; 3. Confirmation that no late fees, penalties, or negative credit reporting will be applied to my account as a result of this error ; 4. A processing forbearance applied to my account for the duration of this dispute.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX - {$1500.00} XX/XX/XXXX - {$370.00} XX/XX/XXXX - {$1000.00} Failed transactions XX/XX/XXXX - {$540.00} XX/XX/XXXX - {$540.00} First filed dispute on XX/XX/XXXX - had 10 days to dispute - then they denied and I disputed them again - then Cash App came back and said my account was compromised but the sum was too big to refund and I had to file a police report! When I signed up for cash up I was under the impression my money was protected if anything happened, now today XX/XX/year> I called to speak to a customer service rep and was informed yet again the account was compromised but they would not be refunding me my money! I have been hung up on 4 times ( 3 by customer service reps and 1 time by a supervisor ) no one wants to resolve this situation- all I want is my money that they guaranteed was protected!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I attempted to close my XXXX XXXX account and XXXX XXXX credit card via the mobile app and automated phone system. The mobile app failed to provide a final " confirm '' button, and the phone lines looped continuously, preventing access to a live representative. Because of these technical system failures, I sent a formal written notice of account closure on XX/XX/year>, to the official support email ( XXXX ) before my next due date. In that notice, I explicitly exercised my Right of Setoff, authorizing the company to deduct my past-due balance of {$51.00} from my savings balance of {$300.00}, and requested the remaining savings plus my {$100.00} security deposit ( totaling {$350.00} ) to be sent to me via check. The company has completely ignored my formal closure request and has failed to return my funds. Instead, they continue to send automated collections emails threatening consequences for missed payments. I am requesting that the company immediately process my account closure effective backdated to XX/XX/year>, waive any late fees accumulated after that date due to their system errors, and issue my full remaining payout of {$350.00}. I have attached the dated screenshot of my emailed closure notice as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Self Financial Inc.
State: TX

Complaint narrative:
I dispute the accuracy and completeness of the Self Financial Inc/ Lead Bank account on my credit report. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), please investigate and verify this item. I request : * All documentation used to verify this account ( signed contract, application, payment history, assignment documentation ). * Confirmation of account details including ownership, balance, dates, and account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
On XXXX XX/XX/year>, Citibank XXXX XXXX XXXX, via XXXX XXXX XXXX, initiated a wire transfer of USD XXXX from the deceased estates wealth management account to a beneficiary estate account at XXXX XXXX XXXX XXXX ( Transaction Ref : XXXX ). As of XXXX XX/XX/year> ( 85 days later ), XXXX XXXX XXXX XXXX confirmed in writing that the funds were never received. Citibank/XXXX reported : they made four trace requests ( XXXX XXXX, early XXXX, XXXX XXXX, and XXXX XXXX ) to the receiving bank. A formal recall was also submitted on XXXX XXXX ; however, no substantive response was received from the receiving bank on either request. XXXX XXXX, VP of Beneficiary Services, informed me on XXXX XXXX that the funds were " no longer at Citi '' and that she had " no transparency '' into their current status. Wealth management stated they had done everything possible. I independently contacted XXXX XXXX via their public help desk. XXXX XXXX responded that I am a third party and that only Citibank/XXXX may escalate directly. Despite this, Citibank/XXXX did not escalate beyond these routine wire trace requests. There was no escalation to XXXX XXXX compliance or investigations teams, despite my repeated requests. Most concerning, no definitive confirmation has been provided that the funds left XXXX XXXX or were routed onward. XXXX XXXX confirmed that their estate account is open and ready to receive international wires, but no proof was provided by Citibank that the funds left XXXX or that a resolution is underway.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am submitting this response to formally and aggressively dispute your false and unsupported claim that my previous request was not submitted by me. This assertion is inaccurate, negligent, and appears to be an intentional tactic to avoid your legal obligations. This dispute was filed directly by me, the consumer, and not by any third party. I am not working with any credit repair organization, credit counseling agency, or outside company of any kind. Your repeated use of a generic, scripted responsewithout conducting an actual investigationconstitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : - Conduct a reasonable investigation of all disputed information - Review all relevant evidence I submit - Provide the method of verification, including : 1. The name and contact information of the furnisher 2. The method used to verify the disputed information 3. Copies of all documents relied upon Your continued refusal to process my dispute, despite receiving proper documentation, is not only unlawfulit demonstrates clear negligence, bad faith, and repeated non-compliance with federal consumer protection statutes. To eliminate any excuse for your failures, I have provided full identity verification, including my government-issued ID and proof of address. You now have no legitimate or lawful reason to deny or dismiss my dispute. Your repeated closures of my disputes with identical, copy-and-paste language is unacceptable, unlawful, and a direct violation of your duties under federal law.

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 2026-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CT

Complaint narrative:
On or about late XX/XX/year>, I terminated my consumer cellular service with XXXX XXXX due to persistent and completely unresolved network performance issues. Following my departure, XXXX generated an unverified, predatory balance against my account for exactly {$4200.00} and immediately advanced this disputed amount to a third-party collection agency, severely threatening my credit profile. I have made exhaustive, good-faith efforts to resolve this matter directly with the creditor. During consecutive hours spent on the phone with XXXX customer service, multiple supervisors explicitly confirmed to me that this {$4200.00} bill was erroneous, admitted that it needed to be adjusted, and promised they would investigate to find the actual correct amount. They promised direct callbacks to settle the number, which I never received. Instead of calculating the proper amount as agreed, XXXX completely failed to provide any itemized validation and instead dumped the full, incorrect {$4200.00} balance into collections. Furthermore, during one of these support calls, a XXXX representative improperly deactivated my active phone line, leaving me entirely stranded without cellular connectivity, business access, or access to emergency services for several hours. Evidence & Financial Damages : I possess complete, legal audio recordings of my conversations with these XXXX supervisors admitting the {$4200.00} balance is wrong and promising adjustments. While I was initially willing to pay the actual remaining device balances once verified, Verizons gross operational negligence, broken supervisor commitments, and the severe interruption of my phone service have caused damages and wasted time that far exceed any legitimate minor balance. Because XXXX and its collection agents are actively attempting to collect a {$4200.00} debt that their own management team has acknowledged on tape is invalid, they are in violation of fair credit and collection practices. I demand the account be closed out entirely.

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 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint against Bank of America regarding a credit card account that was recently closed by the creditor without proper justification or notification. Approximately one year ago, the account fell 30 days past due. I immediately brought the account current, resolved the balance, and maintained the account in good standing for the last 12 months. Suddenly, after a full year of compliance and no further delinquencies, Bank of America abruptly closed the account. Because the initial delinquency was resolved a year ago and the account was closed unexpectedly by the bank despite a year of positive history, I am requesting a complete removal of this trade line from my credit file. This appears to be a systemic practice by the creditor, as they have applied this exact same abrupt closure action to another one of my accounts that held a {$22000.00} credit limit and a XXXX balance

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 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
MY XXXX STATEMENT IS MISSING XX/XX/XXXX XXXX, XXXX, AND XXXX XXXX STATEMENT DOES NOT START UNTIL XX/XX/year> THERE ARE 9 DAYS OF UNACCOUTABILITY.CHIME IS MANIPULATING TRANSACTION NUMBERS TO EXPLAIN AN INNACCURATE STATEMENT THAT IS MISSING 9 DAYS OF FINANCIAL HISTORY.THE AGENT I SPOKE WITH WAS CLEARLY MAKING UP EXPLANATIONS ON THE FLY TO END THE CONVERSATION FRONTLINE CUSTOMER SERVICE CAN NOT FIX A CORRUPTED XXXX STATEMENT OR MANUALLY OVERIDE A SYSTEMIC BANKING ERROR. ALSO THE XXXX STATEMENT SHOWS AN ENDING BALANCE ON XX/XX/year> XXXX AND WHEN I ASKED THE AGENT HOW DID MY ACCT GO NEGATIVE HE TRIED TO SAY IT WAS TWO TRANSACTIONS ON XX/XX/XXXX AND ONE ON THE XXXX THIS IS A VIOLATION OF TRUTH IN SAVINGS ACT REG ( DD ). XXXX XXXX XXXX THESE WERE SETTLED THAT IS NOT WHY MY BALANCE SAYS XXXX XXXX I ALSO HAD DEPOSIT ON THE XXXX XXXX XXXX IN AMT XXXX MY DEPOSIT WOULD HAD PAID THAT AND WOULD IT WOULD NOT REFLECT XXXX NEG XXXX ALSO IM LOOKING FOR A SPECIFIC TRANS ACTION TO XXXX XXXXXXXX IN XXXX OF XXXX DOLLARS THAT THEY CLAIM WAS RETURNED THERE IS NO RECORD OF THIS TRANS ACTION THAT IS WHY THIS IS SHADY I BELIEVE THAT THERE HAS BEEN SOME SOPHISTICATED FRAUD TO MY ACCT BY SOME THIRD PARTY? HIDING TRANSACTION S AND MESSING AROUND WITH MY MONEY THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
My Tax return was direct deposited into my chine account the account was waived for suspicious activity I called to verify my identity numerous occasions sent my pdf files to verify my tax return information and they never sent any paper check or returned the funds to the irs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
First call I Informed them i needed to use the credit protection that i opted in to because I lost my job I was told no that the account was to new that i hadn't made my first payment yet which isn't my fault I ended up severely ill i fount there credit protection agendum and it says that there isn't a waiting period so I called again talked to a different person explained everything and was told I can't because while I'm enrolled in it I haven't been billed for it and started getting transferred all over

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have more that 6 % APR on my auto loan. I want to use my SCRA for this loan

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 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I am submitting this follow upcomplaint regarding Eastern Account System 's continued inaccurate credit reporting. In response to CFPB complain # XXXX, Eastern Account System stated on XX/XX/year> that it had " ceased all future communications including credit reporting. '' Despite this representation, the collection account continues to appear and/or remain active on my XXXX, XXXX and XXXX credit report. The company has failed to provide competent documentation validating the alleged debt while continuing to furnish negative information to a consumer reporting agency. Reporting information that is inaccurate, misleading, inconsistent, or not properly investigated may violate the Fair Credit Reporting Act ( FCRA ), including the duty to conduct a reasonable investigation and accurately report account status. I am requesting that Eastern Account System : 1. Immediately delete the collection account from all consumer reporting agencies 2. Update all reporting to reflect the account is no long being furnished 3. Provide documention supporting any continued reporting activity 4. Cease furnishing inaccurate or misleading information I am also requesting the CFPB review the inconsistency between Eastern Account System 's CFPB response and the continued reporting of this account with XXXX, XXXX and 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 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Over the course of years Ive had capital one and they having been charging me INSANE amounts in interest id pay XXXX and they'd take XXXX or more in interest and I was paying over min twice a month

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I took a payday advance and I am unable to repay it by the date given so I requested a stop payment to the merchant with my XXXX checking account support. They refused to stop payment, I then reached out to the merchant XXXX and revoked authorization and canceled my membership. I was then later charged the membership fee which I disputes with all of this information provided in the dispute. They reverse the XXXX XXXX membership fee back to my account but a couple days later the XXXX XXXX advance was taken from my account and it has now been 5 days and onepay financial refuses to provide me with a provisional credit and will not return the funds until their investigation is finished. I want to add that I once again requested a stop payment to the merchant after the XXXX XXXX membership charge and before the XXXXXXXX XXXX repayment was taken. This i have requested stop payment to this merchant twice and already revoked authorization with the merchant before the XXXX XXXX was taken from my account.

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 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Halsted Financial Services, LLC.
State: SC

Complaint narrative:
XXXX never signed a contract with them and they keep e mailing me, calling and update a new report on my credit every month XXXX The same as above XXXX same as above

Company response to consumer: Closed with explanation