vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XXXX received request to delete information for collection on Goldman sacs, It has been removed from all credit bureaus but not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I opened a Nordstrom credit card and I havent been able to create an online account to manage my credit card. I have called customer service multiple times over the past year and they are unable to help to get the account created. They verify that they can find the account using my credentials but when I enter the exact same credentials onto the online account sign up portal, while customer service is on the phone with me verifying on their end, I am unable to sign up for an account. I do not get emails from Nordstrom card regarding the status of my credit account. The error shows that the website is unable to locate an account for me. The only option to make payments is to manually call the hotline every month to set up a XXXX time payment. Because of the difficulty of doing this due to my XXXX and my daily schedule ; I have many late payments which would not happen if I was able to have online access to my account. Because of this I keep accusing late fees. This feels like deliberate manipulation from the company to keep charging fees to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On my best buy credit card I have paperless and also auto pay. I recieved a statement in the mail witch I thought was unusual because im paperless. So I opened the statement and it said congratulations your credit limit increased. Then as I was reading the statement as my laptop I purchased should have been close to being paid off. Well I saw an outstanding balance witch was more then the price of my laptop. I was shocked looked into the statement and it said I have been paying a monthly fee for XXXX XXXX some streaming cable TV. I called XXXX and told them I never purchased their service and the customer service rep could see on her end I had never logged into their service to watch. She said she would expedite a refund but would have to come from supervision and she would send it up to them. I also called best buy to let them know what was goin on. This was a whole year from XX/XX/2024 til just a few months ago. They both said they would do investigation and neither refunded me for the amount taken out each month. Didn't know what to do and someone told me to reach out here.

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 monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
On or about XX/XX/year>, I contacted the plaintiff 's office, " Jacob Law Group, '' regarding the alleged debt and pending lawsuit. My wife also contacted the office on my behalf to obtain information about the account and discuss possible payment arrangements. During the conversation, a representative identified as XXXX requested my bank account information and stated that it was part of an assessment process. We declined to provide our banking information. We were informed that the court date is scheduled for XX/XX/year>, and that unless the balance is paid in full before that date, the case would proceed to court. We were advised that the amount being sought is {$1500.00}, plus an {$85.00} court filing fee. My wife requested documentation supporting the alleged debt and asked whether payment arrangements could be made if the debt was determined to be valid. XXXX XXXX stated that all payments were voluntary and advised that documentation could not be provided. We are attempting to obtain verification of the alleged debt, review any supporting documentation, and determine whether a reasonable payment arrangement can be reached. We believe it is important to receive documentation supporting the claim before making decisions regarding payment or settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Without my consent my loan was transferred to Sloan and they completely screwed up the entire servicing of my loan. I have been NON STOP consistently in an income based repayment plan with a XXXX monthly payment since XX/XX/year>. So this would mean I have to date 16 years and 3 months counted to my forgiveness, this is XXXX months. Sloan says its I only have XXXX months. they are completely wrong and trying to cheat me out of the months I accrued to forgiveness. I have NEVER NOT TIMELY renewed my income based repayment plan. I have no idea why they forced me to do forebearance, looks like a way to not fix their mistakes. At one point the sent me a bill saying my payments were overdue?? thats completely riduculous if my payment is XXXX based on my income based repayment. this is all their mistakes. They made a mess here. I need it fixed! To accurately reflect complete consecutive XXXX months towards my forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
The underlying transaction involved an XXXX sale in which the buyer was refunded after the item could not be fulfilled. I never received the sale proceeds from this transaction, as the funds were reportedly placed on hold by XXXX. Despite this and being told by numerous XXXX agents that they would fix the problem and I should wait for the case to close that was opened by the buyer, XXXX later removed funds from my account and subsequently referred the balance to collections. This was done instead of using the funds that were on hold. So XXXX basically is trying to get {$1500.00} from me when I never even say a dollar from the sale. This is fraudulent and their policy needs reworking. I was mislead by XXXX and thus sent to the CBE Group Inc who decided to buy off a wrongful debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I deposited a dispursement from my 401K to pay down some debt. I was surprised that the bank was holding the funds because I have deposited funds from this source ( XXXX XXXX ) many time before. The funds were held for over 3 days and I began to see a notice on my account that the check was not clearing. On XX/XX/XXXX the funds still didn't clear. I called the bank and tried to understand the reason for the hold. I was alarmed that a check from my retirement fund could not clear. I was told that the check was not scheduled to clear until XX/XX/XXXX. I challenged that because I am a customer in good standing. I then had to go through a series of transferred calls to various deprtments and got the run around. At one point, I asked to speak with someone in the USA and was transferred. She told me she couldn't help me and transferred me back to a call center off shore. Finally, after 8 call attempts I got to the fraud department and the check was released on the XXXX. However, now the check is showing on my account that it cleared on XX/XX/XXXX. In the meantime, I was notified on XX/XX/year> that my credit limit was lowered on one of my XXXX credit cards which I have had for years. I believe this is discriminatory treatment based on my age ( 68 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Abbott Osborn Jacobs PLC
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a financial hardship request along with all required supporting documentation in connection with an existing payment agreement being handled through a debt collection law firm. At the time of submission, I was informed that the review process would take approximately two weeks. I followed up multiple times as the review remained pending beyond that timeframe. On XX/XX/year>, I was informed that the client had not yet responded. On XX/XX/XXXX, I was advised to continue making payments as scheduled. On XX/XX/XXXX, I followed up again due to no resolution. On XX/XX/XXXX, I was informed that the matter had been escalated to the client and that a response was expected that week. On XX/XX/year>, I was again informed that the matter had been escalated to the client, but no final decision or timeline was provided. As of today, nearly two months after submission, I have not received a final determination regarding my hardship request. I have not been provided with approval, denial, or written confirmation of any temporary payment arrangement such as a hold, forbearance, or modified payment plan. This ongoing delay has left me without clear guidance on my payment obligations while the hardship review remains unresolved, despite repeated follow-ups and prior representations that a decision would be forthcoming. I am requesting assistance in obtaining a final determination of my hardship request or written clarification of my current payment obligations while the review is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BEACON FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a charged off checking account a while back with XXXX ( Beacon Bank ) It was originally opened at the XXXX XXXX NY location with XXXX XXXX allowed me to mobile deposit a check from my job even though the account was closed years XXXX XXXX called me and was extremely rude and nasty with me telling me thats not XXXX explained to her that I was going to pay the balance owed which was abit over XXXXShe was asking me where I received the check and why, where were my new accounts now because I should not be allowed to open anymore.Also I asked when XXXX able to pay the balance will it come off my credit and she saidmaybe XXXX also heard the other teller in the background say it comes off right away.I was trying to do the right thing I had the funds and I wanted to pay them back but XXXX was XXXX out of line questioning me and with a nasty attitude!

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX. I wrote your company on XX/XX/year> regarding some pressing issues that have been affecting my life. This is my first attempt to resolve this matter without further escalation. I was denied recently for a {$1000.00} credit card. Even the most basic of necessities are out of reach for my family, due to things being reported by your company. I dont want to escalate things further, I just want a swift resolution. Please refer to my letter, as it has all of the details explaining the issue. Thank you for professional attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am formally disputing Navy Federals withdrawal of approximately {$1500.00} from my account related to an alleged charged-off credit card debt. This account had reportedly been charged off for approximately two years. I was never informed that funds would be removed from my account, and when I contacted Navy Federal, I was only provided partial funds back while the remaining balance was still retained and I was told I still owed additional payments. I am requesting the following documentation immediately : * The original agreement authorizing this offset * The exact amount allegedly owed * The date of charge-off * Whether the debt remains owned by Navy Federal or was sold/transferred * A full transaction history showing the withdrawal and partial refund * The department and employee responsible for approving the offset * Copies of all notices allegedly sent regarding this action I also requested a supervisor by phone and was refused meaningful assistance or explanation. This withdrawal created significant financial hardship and removed funds necessary for living expenses. Please consider this a formal request for investigation and documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I am filing this complaint regarding Comenity Capital Bank 's handling of my XXXX promotional financing account. On XX/XX/XXXX, I financed a purchase of approximately {$6500.00} under a 24-month deferred interest promotion scheduled to expire on XX/XX/XXXX. For nearly two years, I made my payments on time and paid over {$6000.00} toward this account without a single issue. As the promotional period was ending, I had an approximate remaining balance of {$370.00}. I already had a scheduled automatic payment of {$250.00} in place. To ensure the account was paid in full before the promotional expiration date, I initiated an additional payment of approximately {$120.00}. Instead of applying the {$120.00} payment as an additional payment toward the remaining balance, Comenity 's payment system reduced my scheduled {$250.00} automatic payment. The payment was not processed in the manner I reasonably expected based on the information presented to me. The payment process and language used by Comenity were confusing and failed to clearly disclose that submitting an additional payment would alter or reduce an existing scheduled payment. I did not intentionally leave a balance unpaid. I took affirmative action to pay the account in full before the promotional deadline. The issue arose because Comenity 's payment-processing system handled the transaction in a way that was not clear or understandable to a reasonable consumer. After this occurred, Comenity assessed approximately {$3000.00} in deferred interest because roughly {$120.00} remained unpaid. This means that after making more than {$6000.00} in timely payments over two years, I was charged over {$3000.00} due to a payment-processing issue involving approximately {$120.00}. I immediately contacted Comenity to explain what had happened. I requested that they review my payment history, my record of timely payments, and the circumstances surrounding the final payment. Despite my good-faith effort to satisfy the balance, Comenity refused to provide meaningful relief and indicated they would not make an adjustment beyond approximately {$120.00}. I believe this outcome is unfair, unreasonable, and directly related to Comenity 's confusing payment-processing system and inadequate disclosures regarding scheduled payments. Had the payment been applied as a reasonable consumer would expect, the promotional balance would have been satisfied and no deferred interest would have been triggered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing a complaint against PayPal regarding the permanent limitation of my account without a clear and justified reason. I have been a PayPal user for over 8 years, using the platform responsibly and without any prior issues. My account activity consists of occasional and legitimate transactions, including rental income through XXXX, remittances, and sporadic sales. These transactions are low in volume and not frequent. Recently, PayPal limited my account permanently. Prior to this, I was asked to provide verification documents, which I submitted in full, clearly, and within the requested timeframe. Despite complying with all verification requirements, PayPal proceeded to permanently restrict my account without providing a clear explanation or allowing me to respond or clarify any concerns. This action has significantly impacted my ability to receive income, as I rely on PayPal as a payment method for lawful economic activities. I respectfully request : * A detailed explanation of the reasons behind the permanent limitation * A manual review of my account * Consideration for reinstating my account access I affirm that all my activities are legitimate and that I am not acting on behalf of third parties. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX My date of Birth is XX/XX/year> and the last XXXX of my social security card number is XXXX I am a victim of Idenitity Theft and this is a Fradulent Creditor that does not belong to me Named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter serves as a formal re-dispute regarding multiple accounts that are still reporting on my credit file even though I have previously submitted a police report and a notarized identity theft affidavit. I am a victim of identity theft, and I am once again demanding that these fraudulent accounts be permanently removed from all credit bureau files. I did not open, authorize, or participate in any of these accounts. I have never had any financial relationship with these companies. These entries are damaging my credit and my financial reputation. As outlined in the Fair Credit Reporting Act ( FCRA ), I am invoking my legal rights under Section 611 to dispute this inaccurate and unauthorized information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV Funding LLC / Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX RE : Debt Validation Request To Whom It May Concern, I am requesting full validation of the above account under the FDCPA and FCRA. Please provide : Original signed contract Itemized accounting Proof of assignment DOFD documentation Chain of title If you can not validate, delete the account. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: CO

Complaint narrative:
I am filing a complaint regarding an overpayment refund owed to me by MOHELA. I refinanced my Parent PLUS student loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX. Due to timing and processing delays during the refinance payoff process, my loan account with MOHELA was overpaid by {$460.00}. I contacted MOHELA on XX/XX/XXXX, and again on XX/XX/XXXX, to inquire about the status of the refund. During the call in XX/XX/XXXX, I was informed that the refund had been processed on XX/XX/XXXX, and that I would receive a paper check by mail. I was further advised that it could take up to 90 business days to receive the refund. As of XX/XX/XXXX, more than 90 business days have passed since the stated processing date, and I have not received the refund check. MOHELA has retained my overpayment funds despite acknowledging that the refund was processed and owed to me.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
I am formally disputing the late fees, delinquency reporting, and payment processing practices associated with my Total Visa account. For years, I maintained a positive payment history on this account. Despite numerous requests for a credit line increase, my credit limit remained unchanged. More importantly, I have experienced ongoing issues with payment processing and autopay administration. On multiple occasions, I attempted to pay the account balance in full. Each payment submission generated a confirmation number indicating that the payment had been accepted. Sufficient funds were available in my bank account at the time each payment was submitted. After receiving payment confirmations, I was later informed that the payments had allegedly been rejected by my bank. I contacted my financial institution and was advised that no such rejection had occurred and that sufficient funds were available. Despite this, late fees were assessed and negative credit reporting followed. I made multiple attempts to resolve this matter directly with customer service. My concerns were not adequately addressed, and in some instances my calls were disconnected without resolution. I am requesting : XXXX. A complete investigation into all disputed payment transactions. XXXX. Written documentation supporting any claim that my bank rejected the payments. XXXX. Removal of any late fees that resulted from payment processing errors. XXXX. Correction or deletion of any inaccurate late-payment reporting furnished to consumer reporting agencies. XXXX. A written response detailing the results of your investigation. I reserve all rights under applicable federal and state consumer protection laws and request that this matter be resolved promptly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation