vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EdFinancial Services
State: NJ

Complaint narrative:
Edfinancial Services responded to my complaint by stating that the negative credit reporting associated with my loans was accurate and that the company reports information to the credit bureaus in compliance with the Fair Credit Reporting Act and XXXX XXXX reporting standards. In their response, XXXX stated that : my loans were reported as XXXX days delinquent in XX/XX/year> a XXXX delinquency notice was mailed on XX/XX/year> a backdated administrative forbearance was later applied to bring the account current However, the documentation provided by XXXX does not verify the accuracy of the delinquency reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The response provided only a summary of loan balances and loan segments and did not include documentation verifying the delinquency status that was reported to the credit bureaus. Specifically, Edfinancial did not provide : complete payment histories for the loans the exact due dates when payments were allegedly missed billing statements showing the amounts due during the repayment restart documentation showing when billing notices were generated and delivered documentation showing when payments were received and applied records demonstrating how the XXXX-day delinquency status was calculated documentation demonstrating consistent reporting across credit bureaus Edfinancials response also raises concerns about the timeline of the reporting. The company states that a XXXX-day delinquency notice was mailed on XX/XX/year>, yet the loans were reported as XXXX days delinquent in XX/XX/year>. However, the response does not provide documentation showing : when the first missed payment occurred when the loans became 30 days delinquent when the loans became XXXX days delinquent how the loans reached XXXX days delinquent status Without documentation establishing the delinquency timeline, the accuracy of the reporting can not be verified. Additionally, XXXX acknowledges that a backdated XXXX forbearance was applied to bring the account current. Because this administrative action retroactively corrected the account status, the reliability of the negative credit reporting that occurred prior to the forbearance is questionable. During the federal student loan repayment restart, more than XXXX XXXX borrowers experienced servicing and notification failures, including delayed billing statements and missing repayment notices. Given the known servicing issues during the repayment restart, reporting multiple XXXX-day delinquencies without producing documentation demonstrating accurate billing and notice raises serious concerns about compliance with federal reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have been getting Denied due to late payments and credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have a joint account with a family member which we utilize for vacations. I was traveling outside of the country when I had realized that my debit card was not working properly. I contacted Wells Fargo, who stated that my debit card was canceled ( on XX/XX/XXXX ) due to XXXX months of inactivity and upcoming expiration ( which has not yet come to pass, later in XXXX ). However, this was a joint account with ongoing activity, and I received no notice that my individual card would not be replaced or would be deactivated. I relied on this debit card as my only access to funds during international travel and discovered it had been canceled during a layover at the start of my trip, limiting my access to financial means during travel. Had I been notified, I would have obtained a replacement card before traveling. I believe reasonable notice should have been provided before canceling a debit card on an active account. With this in mind, I made a case with them. After reviewing my case, Wells Fargo stated Regrettably, we are unable to give any compensation or credit as of this moment as there is no indication of bank error. They did not reissue a new card for my account. Their policy is vague when it references periods of inactivity for checking accounts and I had no reason to believe that any bank would deactivate a card without notice within XXXX year of inactivity, let alone XXXX months. It is disappointing that the company does not provide ample notice for important updates regarding their consumer 's accounts and does not rectify situations that stem from poor communication on the company 's behalf.

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 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
Jefferson Capital Systems is reporting a collection account on my credit reports that I dispute as inaccurate and unverifiable. I previously disputed the account and requested documentation verifying the debt, including the original contract, payment history, and documentation showing that Jefferson Capital Systems has the legal right to collect and report the account. The requested documentation has not been provided. Under the Fair Credit Reporting Act, companies furnishing information to consumer reporting agencies must conduct a reasonable investigation and ensure the accuracy of information being reported. If the account can not be verified with competent documentation, the tradeline should be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
Spoke to company contract callers in XXXX and provided them with an email address to send information of debt. I never recieved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, I added a promotional Chase Offer to my credit card for XXXX dollars cash back after spending XXXX dollars or more with XXXX XXXX. The offer required that the purchase be made online directly with the merchant and that the spending threshold be met by XX/XX/XXXX. On XX/XX/XXXX, I completed a qualifying purchase directly through the XXXX XXXX website while located in the United States. The purchase was for an airline ticket from XXXX to XXXX on flight XXXX and was charged to my credit card in the amount of XXXX dollars. The transaction appears on my statement as XXXX XXXX and exceeds the required spending threshold for the promotional offer. The promotional statement credit of XXXX dollars did not post. On XX/XX/XXXX, I contacted JPMorgan Chase & Co. regarding the missing credit and was advised to wait for the credit to post. On XX/XX/XXXX, I contacted Chase again and was informed that case number XXXX had been opened to investigate the issue. On XX/XX/XXXX, after receiving no update, I contacted Chase again and was instructed to send a message through the secure message center. Over the following weeks I received multiple responses stating that my inquiry had been forwarded to the appropriate department and that I should expect a response within five to ten business days. Despite these assurances, no timely resolution was provided. On XX/XX/XXXX, Chase confirmed through the secure message center that the inquiry had been forwarded to the appropriate department for review of the Chase Offers statement credit and that a response should be provided within ten business days. Chase later informed me that the escalation had been closed and that the promotional credit would not be issued because the purchase location did not match the processing rules for the offer. The purchase was made directly with the advertised merchant after the offer had been added to the account and exceeded the required spending threshold. However, Chase has not provided clear documentation explaining how the transaction failed to qualify beyond referencing internal processing rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: Chime Financial Inc
State: MD

Complaint narrative:
I called today XX/XX/year> to obtain information on why this account was opened. the dispute department transferred me to the member services department and I was placed on hold for 20 minutes. I then called back and spoke with XXXX in the dispute department and he transferred the call again to member services

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/year> Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XX/XX/year> Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/year> Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/year> Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XX/XX/year> Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/year> Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XX/XX/year> Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX XX/XX/year> Please remove it from my credit report.

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 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX, I am the Chief Financial Officer and AUTHORIZED signer of XXXX XXXX XXXX XXXX ( XXXX on file with Chase ). On XX/XX/XXXX, I opened a business checking account ( last four digits XXXX ) on behalf of the company with an initial deposit of {$5700.00} from legitimate client payments. Over the next three months, total deposits were approximately {$22000.00}, consisting entirely of client checks and ACH transfers for services we rendered. Withdrawals were routine business expenses ( insurance, fuel, etc. ). There were never any holds, warnings, overdrafts, or compliance issues with the account. On XX/XX/XXXX, Chase mailed a letter to the company stating it had decided to close the account because of our connection to a publicly reported financial investigation that could potentially lead, or has led, to a criminal or civil legal action. No specific facts, evidence, or opportunity to respond were provided. When I called customer service the same day, representatives refused to give any explanation, would not let me speak to a manager, and provided no documentation. On XX/XX/XXXX, I sent Chase a formal written request ( via email and mail ) for a detailed explanation of the closure, including the exact reason, date, and initiating department. I received no response. On XX/XX/XXXX, the company sent a certified-mail formal complaint ( mailed XX/XX/XXXX, tracking available ) demanding : ( 1 ) complete written explanation and all internal documentation, ( 2 ) confirmation that no negative reports were made to XXXX, XXXX XXXX XXXX XXXX or credit bureaus, and ( 3 ) immediate handling of any remaining funds. The 15-business-day deadline passed with only one unhelpful phone call around XXXX XXXX, XXXX, in which a generic advisor stated he would not tell us what happened and that we should escalate. The account was closed early on XX/XX/XXXX ( before the stated XX/XX/XXXX date ), causing significant disruption to our business operations. This complete lack of transparency and refusal to provide basic information appears arbitrary and potentially violates the Fair Credit Reporting Act ( adverse action without proper notice ), the Electronic Fund Transfer Act/Regulation E, and general principles of fair dealing by a national bank. All other banking relationships of the company and myself personally ( including one account open since XXXX ) remain open and unaffected, with no issues whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint regarding an unauthorized debit card transaction in the amount of {$1000.00} that occurred on my XXXXavy Federal checking account at a merchant listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. I did not authorize this transaction and did not visit this merchant location. My debit card remained in my possession at all times, and I did not provide my card information to this merchant or receive any goods or services from them. I reported the transaction to Navy Federal Credit Union as soon as I became aware of it and fully cooperated with their investigation process. I also requested a second review of the claim. Despite this, Navy Federal denied my claim and held me responsible for the {$1000.00} charge without providing proof that I authorized the transaction. I requested documentation showing authorization of the transaction, such as chip verification, PIN entry, or a signed receipt, but this information was not provided to me. Because this transaction was unauthorized and my debit card never left my possession, I am requesting that Navy Federal Credit Union review this matter again under the protections of Regulation E for unauthorized electronic fund transfers and credit the {$1000.00} back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: DE

Complaint narrative:
I opened a credit karma checking and savings account more than XXXX years ago. However, in the past few days, I have had trouble accessing my bank accounts and money from my pay checks sent to the accounts as direct deposits. I can only reach the company virtually as they don't have a toll free number or local usa customer support. They kept blaming the browser, the cache, software update XXXX asked me to use XXXX, XXXX or XXXX plus turn off XXXX. I dodnt use XXXX and I told then the same. In addition, they claimed the problem was my device so they asked me to use a different device which I did, a XXXX from my XXXX XXXX. They also said my verification codes went to my email which I never saw for over XXXX hours. To this momenr of writing this complaint, I still can't access my account. Please help me. I also tried accessing my accounts by calling the number on back of my debit card from CREDIT KARMA, but was told my account dodnt exist after entering last XXXX of my social. They also claimed only if I was in XXXX can I access the accounts but I told them I am in Delaware. I still don't have access to my funds. Please help me.XXXX been son XXXX last week Tuesday. I can't pay bills because this company grew too big XXXX XXXX their customers services XXXX technical support services. This is very seriously urgent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am submitting a complaint regarding a negative balance of XXXX on my Capital One Spark Cash credit card resulting from involuntary point redemption. My reward points had randomly disappeared in XX/XX/year>, and Capital One issued a statement credit once I had brought this issue to customer support. However, it has been XXXX months with this negative balance being in place. I have contacted Capital One customer support several times regarding this issue. Customer support had previously acknowledged this issue and informed me that I will be receiving a check for this negative balance. It has been more than XXXX months since then and I have not received any check or update from Capital One despite numerous follow-ups with XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, we used a pet cremation service called XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX. The company picked up our dog from our home and charged us {$460.00} via Discover Credit Card, assuring us that his ashes would be delivered back to our home within XXXX weeks. After the two-week period passed, we contacted the company and were told there were delays due to the wildfires and that it would take another XXXX weeks. After that time, they again told us they would send the ashes to us soon. They told us multiple times that the remains would be delivered to our home, however they never followed through. We continued to call and message the company for updates until around XXXX, when they stopped responding. We gave the company the benefit of the doubt for several months, hoping they would eventually return our pets remains. However, after they ceased communication and appeared to shut down, we accepted that we would likely never receive our dogs ashes. Because we paid for a service that was never completed, we filed a dispute with Discover on XX/XX/XXXX. We provided documentation showing the charge and our repeated attempts to contact the company, as well as evidence that they stopped responding and closed down. Despite this, Discover denied our dispute and informed us that the claim can not be reopened. It has now been over a year since our pet passed away, we never received his remains, and we were still charged the full amount. Discover has not helped resolve this situation. This situation has taken a significant emotional and financial toll on my family and me. Not only did we experience the painful loss of our beloved pet, but we also trusted a company to handle his cremation and return his ashes so that we could have closure. We paid a large amount of money for this service, yet we never received his remains. For months, we continued to reach out to the company, hoping they would follow through on their promise, only to eventually be ignored and left without answers. The lack of communication and the realization that we would never get our dogs ashes back have been extremely distressing. On top of that, Discover has not been helpful or understanding of the situation despite the documentation we provided. This has made the experience even more frustrating and upsetting. We are already dealing with the grief of losing our pet and the disappointment of never receiving his remains. If it is not possible for us to recover our dogs ashes, the least that should be done is for the {$460.00} we paid for a service that was never completed to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I am submitting this complaint regarding a prolonged and unresolved Public Service Loan Forgiveness ( PSLF ) reconsideration/buyback request submitted through the XXXX Department of Education XXXX My PSLF buyback request number is XXXX, and it was submitted on XX/XX/year> through the Federal Student Aid reconsideration process. Since submitting the request, I have repeatedly contacted Federal Student Aid and my loan servicer to request status updates. Each time I have been told that no timeline can be provided for when the request will be reviewed or processed. At the time of submission, I had completed the equivalent of XXXX XXXX of qualifying public service employment and submitted the buyback request in order to resolve remaining periods that did not count toward PSLF due to mandatory administrative forbearance related to the SAVE plan. This request is intended to allow my loans to be finalized under the PSLF program. However, the request has now been pending for nearly a year with no meaningful update, no processing timeline, and no indication that the case is being actively reviewed. Customer service representatives have stated they can not provide any additional information beyond confirming that the request exists. The ongoing delay has created significant uncertainty and financial hardship for my family. Because I do not know whether or when this request will be processed, I have had to pause major financial decisions, including purchasing a home and making educational plans for my children. Additionally, although I previously worked in qualifying public service employment, I have been forced to reconsider employment decisions in order to manage the uncertainty surrounding these loans.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NJ

Complaint narrative:
I pay my student loans through Mohela every month on auto pay. I pay a higher amount than is the minimum every month. I havent missed any payments. Mohela told me they misapplied the a payment which resulted in showing me as XXXX past due. I have reached out multiple times over the course of two months and its still not resolved. It is destroying my credit score. This needs to be reviewed and corrected and submitted to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation