vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I opened a XXXX XXXX XXXX XXXX account. The account was later transferred to Systems & Services Technologies , Inc. ( SST ) after XXXX ceased servicing the account. I have continued making payments on the account and am currently being charged a monthly payment of approximately {$570.00}. XXXX currently asserts that the account balance is approximately {$16000.00}. I requested documentation to understand and verify the balance being serviced. SST provided a copy of the original XXXX XXXX XXXX XXXX agreement and limited account records. However, when I requested a complete account history, SST advised that it does not possess payment history or transaction records for the period between account origination in XXXX and approximately XX/XX/XXXX. SST has stated that the balance it services is the balance transferred from XXXX. However, SST has been unable to provide a complete transaction history showing all advances, payments, interest charges, principal reductions, and adjustments from account inception through XX/XX/XXXX. Because SST does not possess a substantial portion of the account history, I am unable to independently verify the accuracy of the balance being asserted. I have requested documentation showing how the current balance was calculated and verified, but I have not received a complete accounting of the account from inception. I am requesting that SST provide a complete transaction history and accounting of the account from origination, including all payments, advances, interest charges, and balance calculations, and explain how the current balance was verified. If SST is unable to provide documentation sufficient to substantiate and verify the balance being reported and collected, I request that SST cease reporting the balance to consumer reporting agencies and correct or remove any information that can not be verified. I am seeking a complete accounting of the debt and verification that the balance being collected and reported is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Contacted XXXX XXXX XXXX and was directed yo a collection agency True XXXX. I asked the operator for a chain of assignment and any original proof that I'm responsible for debt. Have him my information he said he believes they have the wrong person and do not have access to the account. And I was advised to dispute the account by operator to move forward in having this removed from all credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRING OAKS CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Claim Statement My phone was stolen without my permission. After my phone was taken, an unauthorized person gained access to my Cash App account and initiated transactions that I did not authorize. The individual transferred money from my linked funding source into Cash App and then sent the funds to XXXX XXXX without my knowledge or consent. I did not make, approve, or benefit from these transactions. As soon as I became aware of the unauthorized activity, I reported the incident and took steps to secure my accounts. I am requesting that these transactions be investigated as unauthorized fraud and that any eligible funds be refunded. I am willing to provide any additional information needed to assist with the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On Friday XX/XX/XXXX XXXX i noticed a cleared check that I did not issue and my account had a negative balance of XXXX so I called citibank and they said I would have to wait for check to clear call back on Saturday and talk to representative I clearly stated I was going on vacation that I had XXXX of incoming deposits and to not make my account closed or blocked until the Incoming deposits had been made or that would be an issue they assured me that it would be fine and all I needed to do was open a new account on Monday over phone and get transferred to fraud department where they would unlock account transfer to new account and although I wouldn't have debit card I could receive XXXX or make transfers and still have access to my funds again I was hesitant as its not the first time the call center screwed me I have an ongoing fraud alert on my identity because I was robbed 3 years ago in XXXX XXXX and my birth certificate social security photo copy of id were all stolen from a laptop that I was robbed of. It's an ongoing thing thiefs hacking me all the time and nothing I can do unless im granted a new social security number. I am traveling from Arizona to Washington and there are no branches here, they told me it would be fine. On Monday I called at XXXX XXXX till XXXX XXXX that night several disconnected calls on hold for 2 plus hours and one representing call center employee pretended after an ongoing call of 2 hours 22 min that he could not hear me and hung up I screen shouted several calls and think the XXXX XXXX camera recorded this very frustrating misuse of power by bank, they forced me a new account said I would have to wait 7-10 days for welvome packet and further locked me out of account while on vacation no bank branch and zero help to get me gas money home or pay for my vacation I spent roughly 16 hours and first 2 days on hold and my vacation really ruined even though I stated before action taken to let me speak to supervisor I feel very wronged frustrated and devastated my first vacation in12 years ruined by citibank call center I even called a branch and the manager couldn't help me but at least felt so horrible as to what happened to me

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 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
In XX/XX/XXXX, I paid {$2500.00} through PayPal for trademark filing services and what I was told were required XXXX filing fees. The seller represented that these fees were necessary to file my trademark applications with the United States Patent and XXXX XXXX ( XXXX ), and I relied on those representations when authorizing payment. At the time of payment, I had no reason to believe the filings were improper. In XX/XX/XXXX, I first became aware of potential issues when the XXXX issued suspension notices and initiated a sanctions proceeding involving the filing entities associated with my applications. Upon learning of the issue, I immediately filed a dispute with PayPal. The dispute was closed on the same day it was submitted based solely on transaction age. The timing of the denial suggests that the evidence and supporting documentation were not substantively reviewed before the case was closed. The dispute was denied under PayPal Case ID XXXX XXXX On XX/XX/XXXX, the XXXX issued Final Orders for Sanctions and official Notices of Termination for both trademark applications associated with these transactions. The XXXX determined that submissions made during prosecution of the applications violated XXXX trademark rules and website terms of use, resulting in termination of both applications. The XXXX has stated that no further action will be taken on either application. The evidence establishing the nature and extent of the problem did not exist and could not reasonably have been discovered within PayPal 's standard dispute period. I acted promptly upon discovery and sought review through PayPal. My concern is that PayPal denied the dispute based solely on timing without considering evidence that became available only after federal agency action occurred. I am not disputing that the transactions were authorized at the time they were made. Rather, I am asserting that authorization was induced by material misrepresentations concerning the nature of the services and purported XXXX filing fees. The evidence now establishes that the services for which I paid were not provided as represented and that the resulting trademark applications were ultimately terminated as part of a federal sanctions proceeding. I have also filed reports with the Federal Trade Commission ( FTC ), the FBI 's Internet Crime Complaint Center ( IC3 ), and the Maine Attorney General 's Consumer Protection Division. I respectfully request that PayPal conduct a substantive review of this matter and reconsider its denial in light of the XXXX 's Final Orders for Sanctions, official termination notices, and the supporting documentation submitted with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
My account was scammed and my account was linked too Cash App XX/XX/year>. Investigation team looking into the issue they had denied it and XX/XX/XXXX XXXX they emailed me and told me that the chargers was unauthorized and they will water me by {$980.00} back mine you I closed the account due to defraud so they tried to send the money there but the money didnt bounce back because of the account was closed once I receive that email. I reopened a new account and I begin to run around ever since then Ive been talking to different agents over and over again every other day to try to receive my money from them and still running around today to try to get an understanding and why I havent received my money. Please give me a call because aint dont make no sense that you got ta go through these different channels DNA saying they closed the account because they havent heard from me, but I have numerous to email showing that I sent the information that they asked me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: MO

Complaint narrative:
Sallie Mae employees are constantly calling my workplace and others that aren't listed on the account, even individuals out of state that have nothing to do with the account. They have called all of my siblings, my children and even my ex. I am co-signer for my daughter and she's having the same issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Hi XXXX, this is XXXX XXXX XXXX regarding cases XXXX and XXXX. I am present on the line, and I have a trusted third party participating with me, as authorized in your email.My documentation was already successfully cleared, and Wells Fargo confirmed the check is not fraudulent. A delay until XX/XX/XXXX is unacceptable for funds held past the legal 90-day limit. Since XXXX XXXX explicitly stated they are waiting on a direct claim from Wells Fargo, we need you to give us a specific date : On what day this week will your office submit the formal UCC 3-312 collection claim to XXXX XXXX to transfer my {$150000.00}

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 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I have a XXXX XXXX XXXX financed through Santander XXXX USA. The account was charged off approximately XXXX years ago, but Santander still holds the title and XXXX. The vehicle 's engine failed about XXXX month ago, and the registration expired in XX/XX/XXXX. I contacted Santander on XXXX separate occasions to voluntarily surrender the vehicle. Each time, I was told that Santander would not repossess or accept the voluntary surrender. I also requested written instructions or documentation explaining how I could legally dispose of the inoperable vehicle while Santander retained the lien and title, but I was told that no written information could be provided. I am seeking a resolution because I can not legally dispose of the vehicle while Santander maintains the lien but refuses to accept the vehicle or provide instructions on how to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Doxo, Inc.
State: NJ

Complaint narrative:
Was charged today, XXXX XXXX at XXXXXXXX XXXX, in the amount of {$17.00} for a subscription that is {$5.00}. They said it was for failed attempts to renew the subscription XXXX months ago! The subscription is supposed to protect you from extra fees when paying bills through a third party app. I updated my card information to send a payment and a {$21.00} delivery fee popped up! I paid for the subscription to get around the delivery fee. Even their website says free bill pay with the DoxoXXXX subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am requesting an administrative data correction within Citibanks internal database. On XX/XX/year>, I applied for a personal credit card and received an automated decline stating my " existing account privileges are restricted. '' Citi customer service confirmed my active personal XXXX XXXX card is in perfect standing. However, they noted that an automated internal " Restricted '' flag is attached to my profile due to a legacy link to a closed Citi XXXX XXXX XXXX card. This XXXX XXXX account was opened as a completely non-personally guaranteed ( XXXX ) corporate account tied strictly to a business XXXX. I hold XXXX personal liability or financial obligation for that corporate record. Citis internal systems are erroneously reflecting a corporate account status onto my personal consumer SSN profile, creating an algorithmic bottleneck that blocks my personal banking relationship despite my excellent credit score. I request the following resolutions from Citis Executive Team : Profile Decoupling : Manually remove and decouple my personal consumer XXXX XXXX from the old, non-PG corporate XXXX XXXX record. Application Reconsideration : Formally note and preserve my active personal credit card application from XX/XX/year> ( application ID XXXX ). Once this internal block is cleared, please have an underwriter manually re-evaluate the application for approval under its standard 30-day reconsideration window without requiring a new hard credit inquiry.

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 2026-06-11 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this formal complaint against American Express for prematurely closing my billing dispute ( Ref : XXXX ). American Express failed its regulatory duty to conduct a reasonable investigation under the Fair Credit Billing Act ( FCBA ) by mechanically accepting the merchants template defense while ignoring concrete evidence of merchant fraud. MERCHANT MISREPRESENTATION : In their defense to Amex ( XXXX ), XXXX XXXX XXXX XXXX claimed their restrictive policy was " clearly exposed and communicated. '' However, in a direct email to me dated XX/XX/year>, XXXX XXXX officially admitted in writing : " We regret that this policy was not communicated to your satisfaction... Your feedback regarding signage visibility ... has been shared internally. '' The merchant committed fraud by telling me in writing that their signage visibility failed, while presenting " staged '' photos to Amex to claim it was clear. Amex blindly accepted this deceptive defense. VIOLATION OF STATE LAW : The transaction took place in XXXX, FL. Under Florida Statute 501.142, any retail store with a no-refund policy MUST post a conspicuous sign that is readily seen and read by customers at XXXX XXXX of sale, or else the consumer is entitled to a full refund within 7 days. Because the sign was invisible and angled away ( as admitted by the merchant ), the policy is void. I returned to the store on the XXXX day to demand a refund, which they unlawfully refused. Amex is forcing me to honor an illegal transaction term. EVASION OF STATE REGULATORS : I filed an official complaint with the Florida Department of Agriculture and Consumer Services ( FDACS Case # XXXX ). On XX/XX/year>, XXXX officially closed the file because the merchant REFUSED to respond to the government 's inquiries. It is unconscionable that American Express protects a merchant that defies state regulatory bodies and deceives the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding my federal student loan servicer, Aidvantage. I experienced a significant financial hardship that made it difficult for me to make my student loan payments. During this period, I contacted Aidvantage multiple times and applied for hardship assistance, including requests for forbearance, deferment, or other payment relief options. Despite my repeated efforts to obtain assistance and avoid delinquency, my requests were denied. Because I was unable to afford the payments and was not provided the relief options I requested, my account became delinquent and late payments were reported to the credit bureaus. I now have XXXX late payment entries on my credit report. These negative credit reporting entries have had a severe impact on my financial stability. I have been unable to obtain loans and financing needed for personal and transportation-related matters, and this situation is affecting my livelihood, employment opportunities, and mental well-being. My student loan account is now current and up to date. I am requesting that Aidvantage and the CFPB review the handling of my hardship requests and the resulting credit reporting. I believe my repeated attempts to seek assistance before falling behind should have been given appropriate consideration. I respectfully request : - A full review of my hardship assistance requests and the decisions made on those requests. - An investigation into whether the servicing of my account complied with applicable student loan servicing requirements. - Correction or removal of the late payment reporting associated with the period during which I was seeking hardship assistance, if appropriate. - A written explanation of why my requests for forbearance, deferment, or other relief were denied. I am prepared to provide supporting documentation, including records of my communications with Aidvantage, copies of hardship requests, and proof that my account is now current.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I used cashapp to pay {$960.00} towards a retainer fee for a lawyer. His name is XXXX XXXX, from XXXX, Ohio. Once I paid the fee, the lawyer stopped responding to all of my texts and calls, and is refusing to start working on my case, or refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: ME

Complaint narrative:
XXXX Buyback Case # XXXX FSA Feedback # XXXX Description of the Issue : I am a public service worker seeking manual data reconciliation of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account to resolve a backend database error that is blocking my loan discharge. My online XXXX dashboard correctly displays XXXX certified, qualifying payments. Separately, I have XXXX months of certified public service employment that overlap with the administrative forbearance caused by the XXXX plan litigation. Together, these XXXX windows equal exactly XXXX months of eligible public service. To bridge this gap and achieve full forgiveness, I submitted an official XXXX Buyback request in XX/XX/year>. This request has been stalled in the queue for months without an update. Upon downloading my official federal student aid data file, I discovered the root cause of the delay. The master database is trapped in a critical XXXX XXXX XXXX my loans are incorrectly listed as having only XXXX Cumulative Matched months, despite my public facing tracker showing XXXX certified payments. Because the automated buyback calculator pulls from this broken XXXX backend data block, the system incorrectly assumes I do not meet the XXXX threshold required to receive a buyback offer letter.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
This company is messing with my credit by not acknowledging my payments

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