vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I submitted a Borrower Defense to Repayment application regarding XXXX XXXX on XX/XX/year>. My application has now remained pending for more than three years without adjudication or meaningful status updates. At the time of my application, XXXX XXXX XXXX materials and website representations stated that borrower defense applications unresolved beyond the applicable adjudication timeline would be subject to discharge or relief provisions. I retained screenshots and printouts of those representations and relied upon them when submitting my application. XXXX XXXX is a listed institution associated with the XXXX settlement framework. My borrower defense claim has exceeded the stated processing timeline, yet no decision has been issued. Although my loans are currently in administrative forbearance, interest continues to accrue daily while the Department delays adjudication of my claim. This ongoing interest accrual is causing continued financial harm and balance inflation during a period in which my application should already have been resolved. I respectfully request : 1. Immediate supervisory review of my borrower defense application ; 2. Prompt adjudication or discharge determination ; 3. Clarification regarding my eligibility for relief due to the expired adjudication timeline ; 4. Review of the continued accrual of interest during this unresolved period ; and 5. A written response explaining the legal basis for maintaining my application in pending status beyond the applicable timeframe. Attached are supporting screenshots, application confirmations, and account records documenting the delay and the Departments prior published representations regarding borrower defense timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
i notice the debt on my credit this debt is not mine it is hurting my credit file i would for this to be removed as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Southwest Stage Funding
State: MS

Complaint narrative:
On XX/XX/year>, Cascade Financial Services approved me for a Trial Period Plan ( TPP ) for a mortgage loan modification related to my home loan ending in XXXX. The Trial Period Plan required three monthly trial payments beginning XX/XX/year>. The agreement specifically stated that Cascade would not proceed with foreclosure activity while I complied with the terms of the Trial Period Plan. I signed and returned the Trial Period Plan agreement on XX/XX/year> via both email and U.S. mail. Despite this approval, I later received a Notice of Default dated XX/XX/year> from attorney XXXX XXXX acting on behalf of Cascade Financial Services. The letter demanded immediate payment of {$8800.00} by XX/XX/year> and stated that no partial payments would be accepted. This directly contradicts the active Trial Period Plan approved by Cascade Financial Services, which allowed me to cure the delinquency through the scheduled trial payments rather than a lump-sum payment. I am extremely concerned because : 1.Cascade approved me for loss mitigation assistance ; 2. I timely signed and returned the Trial Period Plan ; 3. I was then simultaneously threatened with default enforcement and acceleration ; 4. The attorney demand appears inconsistent with the active loss mitigation process and the terms of the Trial Period Plan. I have attached : 1.The XX/XX/year> Trial Period Plan approval letter ; 2.Proof that I signed and returned the agreement ; 3.The attorney default letter dated XX/XX/year>. I am attempting in good faith to comply with the Trial Period Plan and avoid foreclosure. I request immediate clarification and correction of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OH

Complaint narrative:
XXXX XXXX company is not available for response. XXXX responded regarding charges : They informed me that I need the credit card number the charges were charged to. I do not have it because I received a replacement card and cut up the old one. Apple.com charges are asking for the old card information also. XXXX XXXXXXXX is asking for it also I do not have. XXXX XXXX XXXX is not responding either. I had to create an account with XXXX XXXX to speak with their customer service who confirmed I do not have an active account with them but needs to check their database with the past card number which I no longer have. My Way2Go Card Fraud Dept has denied my claim this is their information : XXXX Phone number XXXX. The total amount is {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My account was reported as 90 days late. I made a payment on XX/XX/XXXX which shows activity within 90 days. I was not informed that my payment was not the sufficient amount to keep my account current. Balance has been paid in full since I was made aware of the issue. I was not notified previously in order to fix this prior to reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: OH

Complaint narrative:
I disputed a charge because I never received the service and Cash App declined and I appealed and they declined again. I am outraged and need help getting my funds back and if your company cant help I will be taking Cash App and the merchant to courts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
Old National Bank Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Predatory overdrafting Check deposited on XX/XX/XXXX Then XXXX {$36.00} overdrafting fees came after on the XXXX, XXXX, and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I CHECKED MY CREDIT REPORT AND I HAD A FEW ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT DO. IT WAS OVER 5 ACCOUNTS

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 non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: IA

Complaint narrative:
On XX/XX/XXXX, I attempted to access my savings account and encountered a technical error message stating that I needed to refresh the page or contact support. Refreshing the page multiple times did not resolve the issue, so I contacted customer support. I was informed that a case would be submitted and that someone would contact me within 24 hours. No one contacted me within that timeframe. I reached out to support again after continuing to experience the same issue. Prior to contacting them, I had already attempted multiple troubleshooting steps on my own, including logging out and back into the app, deleting and reinstalling the app, and restarting my phone. Support again advised that my case was pending and that someone would contact me within 24 hours. Another 24 hours passed with no response. On XX/XX/XXXX, I received an email containing additional troubleshooting steps. I completed all requested troubleshooting and responded on XX/XX/XXXX informing them that the issue still had not been resolved and that I continued receiving the same error message. I then received no response until XX/XX/XXXX. During this time, I contacted support multiple additional times because I incurred overdraft fees as a direct result of being unable to access funds in my savings account. I also sent follow-up emails on XX/XX/XXXX requesting a phone call due to the ongoing lack of communication and inability to resolve the issue. I did not receive a response or a phone call. Because of the continued inability to access my funds and the lack of support, I requested closure of both my savings and checking accounts, along with reimbursement for the overdraft fees incurred as a result of this technical issue. Fortunately, I was eventually able to access the funds myself by discovering a workaround within the app without assistance from customer support. However, as of XX/XX/XXXX, I am still going back and forth with the company regarding closure of my accounts. I have provided all information requested of me, yet my accounts remain open. Additionally, despite requesting reimbursement for the overdraft fees on several occasions, no one addressed that request until XX/XX/XXXX and was told they are not able to do that. When asking how can we resolve that request, the said, please remember that we don't have the option to reimburse your fees. I have also repeatedly asked for a phone call or direct phone support number and have not been provided one. The lack of communication, delayed responses, inability to access funds, and failure to resolve this matter in a timely and professional manner has been extremely frustrating and concerning. This experience reflects significant negligence in customer support and account issue resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Credence Resource Management is currently furnishing a collection account to the credit bureaus allegedly associated with XXXX. The account is being reported with a collection opened date of XX/XX/year> and a projected reporting period extending through XX/XX/year>. I disputed this reporting and requested validation and verification of the alleged debt, including the original account information, Date of First Delinquency, original billing records, method of verification, and documentation supporting the reporting timeline being furnished to the credit bureaus. The alleged XXXX account appears significantly older than the XXXX collection reporting date currently being furnished by Credence, which raises concerns regarding the accuracy of the reporting timeline, Date of First Delinquency, and calculation of the reporting period extending through XXXX. I also attempted to independently verify the account directly with XXXX. However, XXXX representatives were unable to locate or provide records for the alleged account. Despite this, Credence continues furnishing detailed collection reporting information to the consumer reporting agencies. I do not believe Credence has provided competent documentary evidence substantiating the reporting despite prior disputes and requests for verification. I am concerned the account may be inaccurately reported, improperly verified, misleading, or otherwise noncompliant with the Fair Credit Reporting Act, including the requirements for reasonable investigation and accurate furnishing of information. I am requesting a full investigation into the accuracy and verification of this account and deletion from my consumer reports if the reporting can not be properly substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I transferred money to a coworker to pick up catering at a XXXX restaurant and the money was taken because they claimed I was sending money to XXXX. They won't respond with when the money would be returned and are unreachable via phone and have only responded to one email since the XXXX of XXXX. They have accused me of violating police when I haven't just to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I got an interest charge of XXXX USD on my Amex credit card. I pay off my statement balances every month. In all the years I had this card only twice I wasnt able to keep statement balance XXXX during government shutdown. All the other times It is like clockwork. First representative told me it is is residual interest rate, so I looked it up. It is for people that miss payments. I do not miss payments. Then he told me it was for current charges during the billing cycle. I explained to him you can not charge me interest rate on something you didnt provide me a statement for. After all the run around I talked to someone in business customer service. He was giving me a completely different story. Long story short, no one has been able to tell me why I was assessed this charge on XXXX balance statement and their system wouldnt let them reverse it. I asked to talk to fraud department 7 times. Was refused each and every time. They told me it can not be fraud if they do the charge... This is completely unacceptable from a financial institution. I cancelled the card and am going to small claims court to get my money back. But this is ridiculous that AMEX thinks they can just charge people interest any time they feel like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was at work a co worker took my phone and added a card to my XXXX and transferd monwy to the card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
1. On XX/XX/year>, I asked my bank to wire money to XXXX. The purpose was to pay an invoice from XXXX XXXX XXXX XXXX. ( see Truist Bank Wire Transfer Request. ) 2. XXXX XXXX XXXX XXXX XXXX notified me that the money had not been received. 3. I initiated an inquiry to XXXX to see what was causing the delay. XXXX replied that, after several attempts, my bank ( Truist Bank ) could not be verified. I received the attached response stating that We couldnt confirm the money came from you, so weve refunded it. 4. I asked my bank to initiate a trace on the wire. I learned that XXXXXXXX XXXX XXXXXXXX is an intermediary in the transfer. ( Trust>XXXX>XXXX ). To date, no response. 5. I asked XXXX to initiate a trace. To date, no response. 6. To date, my checking account was debited for {$5800.00} that is missing in action. 7. Note that I did find another way to pay the invoice that was successful. My account has now been debited for {$11000.00} ( the amount payed via other means and the wire that is the subject of this dispute. ) I am seeking a refund of {$5800.00}. 8. My trace shows that Truist, XXXX XXXX XXXX, and XXXX were involved.

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 2026-05-18 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: FL

Complaint narrative:
I submitted a Borrower Defense to Repayment application regarding XXXX XXXX on XX/XX/year>. My application has now remained pending for more than three years without adjudication or meaningful status updates. At the time of my application, Federal Student Aid materials and website representations stated that borrower defense applications unresolved beyond the applicable adjudication timeline would be subject to discharge or relief provisions. I retained screenshots and printouts of those representations and relied upon them when submitting my application. XXXX XXXX is a listed institution associated with the XXXX settlement framework. My borrower defense claim has exceeded the stated processing timeline, yet no decision has been issued. Although my loans are currently in administrative forbearance, interest continues to accrue daily while the Department delays adjudication of my claim. This ongoing interest accrual is causing continued financial harm and balance inflation during a period in which my application should already have been resolved. I respectfully request : 1. Immediate supervisory review of my borrower defense application ; 2. Prompt adjudication or discharge determination ; 3. Clarification regarding my eligibility for relief due to the expired adjudication timeline ; 4. Review of the continued accrual of interest during this unresolved period ; and 5. A written response explaining the legal basis for maintaining my application in pending status beyond the applicable timeframe. Attached are supporting screenshots, application confirmations, and account records documenting the delay and the Departments prior published representations regarding borrower defense timelines.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
Original Loan was through XXXX in Texas. XX/XX/year>. A condition of closing is, of course, proof of homeowner insurance. I bought a policy from XXXX XXXX that was prepaid for 1 year. Declaration attached. XXXX sold my loan and immediately I started to have problems with SPS ( Select Portfolio Servicin g, Inc ) with proof of insurance. I have given it to them multiple times and they ignore my upload proof. Now they are adding their own insurance. This process has been sloppy from the start. I don't know who to blame for the initial lack of transfer of information but SPS has the information and due to their incompetence they are unable to process it and continue to waste my time and attempt to illegally charge me for insurance NOT required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Made a payment on XXXX XXXX payment went through, confirmation number is XXXX. Made another payment on XX/XX/year> to ensure payment went through did not see processing on my bank account, that confirmation number is XXXX. I called my bank to ensure only one payment go through in which they stated only one payment will process. How can a person get an insufficient fund fee when the payment already processed on the XXXX th. Called Westlake financial lender in California representative was extremely rude couldnt understand them did not speak English well. She placed me on hold for XXXX minutes stating she will submit request to have fee waived. She then put me back in the que. I had to call back explain story over again and requested to speak to a supervisor and she was also rude and stated they couldnt reverse charge after the representative stated she would. I asked for the information to file a complaint and she only emailed me a regular sheet with different department numbers. Im highly upset and frustrated regarding this manner. How does a company penalize a customer to ensure a payment is made. I googled where to send a complaint letter in which I will be doing also with the corporate office. This is highly rude and unacceptable for a customer of a lender in the USA to be treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, Nelnet debited {$1000.00} from my bank account, resulting in an overdraft. They did not have authorization to take this much money from my account. My automatic loan payments are {$120.00} per month. They stated they sent an email notification regarding a change but I have no record of this change nor did I approve that much being taken out of my account. I have screenshots of my last three regular student loan payments and this new overcharge. I need to file a formal complaint against nelnet and now have to dispute the charge. Nelnet completely overcharged and did not notify me, as the loan repayer of this ridiculous amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I opened an account with Wells Fargo around in XXXX, and when I was approved for XXXX around XXXX and I received my first XXXX payment XX/XX/year> it went into my Wells Fargo account .. Account Number XXXX Direct deposit & electronic payments XXXX Domestic wire transfers XXXX International wire transfers XXXX My Case Worker XXXX XXXX with the XXXX Ohio social security office gave me almost {$10000.00} to purchase a car, she put it in my Wells Fargo account, but when I went to purchase a car, Wells Fargo wouldn't let me purchase it, I fought with them over a month, they finally told me I can only spend {$5000.00} the daily limit, so I found a car for {$4500.00} and I even had the XXXX local bank XXXX XXXX try to take out {$4500.00} a few different ways, and Wells Fargo denied them, they wouldn't let me purchase my car no matter what I said, that money was from my 3 years back pay that nice kind judge gave me and Wells Fargo wouldn't let me purchase my car even after I called them, and they told me to have XXXX XXXX wire the money, but after XXXX XXXX tried that, and XXXX XXXX and they tried a cash here 's check, denied, now I don't have my XXXX XXXX because of that bank and I'm XXXX I can't work, that's all the money I'll ever receive like that,

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