vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate medical debt reporting currently associated with my credit file. The disputed items relate to XXXX XXXX and Credit Collection Services ( CCS ). These balances are not valid and should not be reported, for the reasons outlined below.

Prior to leaving the United States, I took deliberate steps to ensure that all medical accounts were fully settled. In XX/XX/year>, I confirmed in person with my medical providers office that my account carried a XXXX balance and that no current or future charges would be due. I was very clear at the time that I was relocating internationally to XXXX end of XX/XX/year> and needed to close all accounts prior to departure while i had my active FSA account. In addition, I contacted the relevant billing department, where I again confirmed that my balance was {$0.00}, and I have written documentation confirming this XXXX balance. 

Despite these confirmations, I later became aware of alleged balances associated with : XXXX XXXX, and Credit Collection Services ( CCS ), reportedly acting as a third-party collector for 2 unpaid balances {$170.00} and {$63.00} These charges were never disclosed at the time of service, were not communicated prior to my departure, and were generated after my account was confirmed as settled. As such, I dispute both the accuracy and validity of these reported balances.

I have made reasonable attempts to resolve this directly : I emailed XXXX XXXX and received only an automated response with no substantive follow-up.

I attempted to contact Credit Collection Services, however they do not provide an email address, and I am unable to call internationally due to prohibitive charges.

Given the above, I am requesting that the credit bureau : Investigate and verify the accuracy of these accounts Require the furnishers to provide full validation, including proof of patient responsibility and authorization Remove or suppress these items if validation can not be provided Please note that medical debt that is unverified, disputed, or inaccurately reported should not remain on a consumer credit file.

Thank you for your attention to this matter. I look forward to confirmation that this dispute has been received and investigated. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Climb Credit Inc.
State: ME

Complaint narrative:
I am writing to formally dispute the alleged debt you claim I owe in connection with a XXXX training program financed through XXXX XXXX  XXXX  sent my debt to a collection agency called XXXX XXXX XXXX XXXX and XXXX  added interest I state clearly and unequivocally that : I never attended the XXXX  class I never received the educational services associated with this alleged debt As no services were rendered, this debt should be voided or canceled in full I am formally disputing the validity of this debt If no attendance, login activity, or course completion can be substantiated, then no service was rendered and the basis for this debt is invalid. 
I did not attend the class and XXXX XXXX  states on their website that If you decide not to attend your program, we will cancel your loan. We don't want students taking out loans for educations that they don't receive! 
Just let us know as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Klarna, a Buy Now Pay Later provider with whom I have maintained an account for several years.

Throughout the entire duration of my account, I used the service sparingly, maintained a high purchase power, and paid all obligations on time or early. I have never missed a payment, defaulted, or engaged in any activity that would reasonably justify adverse action.

Approximately one month ago, Klarna suddenly prevented me from using my account without prior notice. When I attempted to make a purchase, I received a message stating that Klarna could not verify my identity. This was confusing, as my account had already been verified and contained consistent identifying information, including my name, address, email, linked bank account, and XXXX XXXX, all of which had been unchanged for a significant period.

I contacted Klarna customer service multiple times seeking clarification and resolution. Representatives were unable or unwilling to explain the reason for the restriction, provided vague and inconsistent responses, and did not offer any method to resolve the alleged verification issue.

Despite denying me access to my account and claiming I could not be verified, Klarna continued to enforce repayment of an existing balance. I later received documentation stating that my credit does not show good according to Klarna, despite my long record of responsible, early payments and absence of any delinquency.

This sequence of events raises serious concerns : Klarna restricted my account without warning or explanation Klarna claimed an inability to verify my identity despite years of verified usage Klarna continued to enforce repayment obligations while denying reciprocal account access Klarna failed to provide transparent reasoning or a meaningful dispute or remediation process I believe this behavior may constitute unfair, deceptive, or abusive acts or practices, particularly given the lack of transparency, the asymmetry between access denial and debt enforcement, and the refusal to provide clear verification or credit criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: VA

Complaint narrative:
I had a unauthorized charge on my NetSpend account for a XXXX order that I did not to do or authorized for XXXX on XXXX which screwed my account up of a overdraft.

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 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.

Complaint narrative:
I have tried to make a payment 5 times with the avant cc. I was away on business. I had my boss call to make a payment. It was rejected. Then I called from out of the country. That was rejected. They said only a 3 way call was allowed. Wasn't possible. I then requested a paper statement. Was told it wasn't possible as I opted for digital payments. My boss sent them a check 15 days ago. It was never cashed. The rude unhelpful cs reps just didn't want my payment. No supervisors were ever available. I believe this is done so my payment will be late and they can assess interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I am submitting this complaint regarding an unexpected and significant increase in the APR on my auto loan, which I only recently discovered. 

I financed a brand-new XXXXXXXX XXXX XXXX through Digital Federal Credit Union XXXX DCU ). My original loan agreement began on XX/XX/XXXX, with a fixed APR of 5.2 %. However, when I recently reviewed my online statements, I discovered that my APR was increased to approximately 18 % in XX/XX/XXXX. I was not aware of this change at the time, and I do not recall receiving clear notice or understanding that my interest rate would increase to this level. 

The stated reason for the change was lack of title. This has been very confusing, as the vehicle was purchased brand new directly from XXXX. I provided the finance agreement to XXXX, was able to register and insure the vehicle, and DCU was listed as the lienholder. At no point did I believe there was an unresolved title issue that would justify such a drastic increase in my interest rate. 

DCU did later reach out regarding missing title or paperwork, and I promptly signed documents they sent me through a XXXX application. I believed this resolved the issue. Unfortunately, I did not realize my APR had already been raised, and this only came to my attention recently when I noticed that my loan balance was not decreasing as expected. 

I am very concerned that my APR was raised from 5.490 % to 18 % without my informed consent or clear understanding, especially given that this change has had a major financial impact over the last several years. 

I am requesting assistance in reviewing whether this APR increase was applied properly, whether sufficient notice was given, and whether I may be entitled to a correction, refund of excess interest charged, or reinstatement of my original loan terms. 

Thank you for your time and assistance.

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 2026-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I consolidated my federal student loans into a Direct Consolidation Loan in reliance on representations made by the U.S. Department of Education regarding eligibility for the SAVE ( Saving on a Valuable Education ) income-driven repayment plan and its associated forgiveness timeline.

At the time of consolidation, I applied for enrollment in the SAVE plan. However, my loans were placed into administrative forbearance due to a pending Borrower Defense to Repayment claim, and as a result, the SAVE plan was never put into effect for my loans.

Despite SAVE never being implemented on my account, the consolidation itself caused previously accrued interest to capitalize into my principal balance, permanently increasing my loan amount. I undertook this irreversible action solely to access the SAVE plans forgiveness framework.

Since that time, the SAVE plan has been blocked and is no longer available. As a result, I received none of the intended benefits of SAVE, yet I remain subject to the permanent financial harm caused by mandatory interest capitalization associated with consolidation.

I was not warned that consolidation-related capitalization would remain permanent even if SAVE was never implemented on my account or was later withdrawn. I am now in a materially worse financial position due to reliance on a federal repayment program that never took effect and is no longer available.

This situation constitutes detrimental reliance. I made an irreversible financial decision based on Department of Education representations regarding SAVE eligibility and forgiveness timelines. Due to Borrower Defense forbearance, SAVE was never applied to my account, and the program has since been withdrawn entirely.

Borrowers were encouraged to consolidate to benefit from SAVE, yet borrowers whose loans were placed into mandatory forbearance through no fault of their own received none of the benefits while still incurring permanent capitalization of interest. No corrective mechanism or remediation has been provided for this outcome.

This resulted in an inequitable and harmful outcome that raises concerns regarding consumer protection, transparency, and fair loan servicing practices.

I request review and corrective action regarding the capitalized interest resulting from consolidation undertaken solely to access the SAVE plan, which was never implemented on my account and is no longer available. I respectfully request 1. Review of my consolidation-related interest
capitalization ( near $ XXXX ) as I applied for SAVE but was prevented from entering the plan due to Borrower Defense forbearance 2 . Clear guidance on remediation options 3. Any available relief to restore myself to the financial position I would have occupied absent reliance on SAVE-related representations

Company response to consumer: Untimely response
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma is restricting access to my deposited federal tax refund of {$3000.00}. My account is active, but outbound transfers and bank linking are blocked. Customer service disconnected my call and refused to escalate. I need immediate release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
My mother has tried multiple times to get her monthly account statement from Huntington bank, she does not have e mail and has requested paper statements so she can maintain her account and has not received them in a format she can access. Regulation E requires a monthly account statement since she utilizes a debit card and they are not providing this to her so she can reconcile her account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: DE

Complaint narrative:
There was an advertisement on XXXX XXXX XXXX XXXXXXXX about a car I wanted to purchase. They ask me to come in. I brought the dealership the ad with my agreed down payment of {$15000.00} to put down on a car that was {$23000.00}. After reading the contract and beginning to sign the dealer stopped me and wanted to show me scratches on the car. I went back in to sign the car contract and returned to Maryland.The next month payment time I noticed Westlake Financial charging me more than the advertised price I explained to them after reviewing the contract that is wasn't the same. I showed sent them the advertisement and the said they would call the dealership I myself to had been back and forth with the dealership trying to figure out what went wrong. The bank never tried to fix the problem only mentioned that the dealership was closed due to consumer fraud and seems to not go over XXXX contracts from the dealership. I have been trying to fix this problem with the bank for years with my catches XXXX and XXXX issues. I received only promises to correct the issue. XX/XX/year> my car was repossessed and no one mentioned anything about the fraud. And refused to tell me anything else about the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I recently got an overview of my account and saw I was - {$40.00}, which confused me. I called Wells Fargo customer service and spoke to a representative, a woman. I told her I'm always going negative in my account and would like to see my fees. She didn't show me the fees or send me an email with the details. She explained the issue and said it should be resolved by Monday. I asked if I should pay the {$40.00} until then, but she said I should because I have a 'grace day period ' - It feels like they're taking money from my account and my issue 's still not resolved. This has been happening since I opened the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/XXXX, I purchased 12 months of XXXX game pass from XXXX and instead of being given a code to activate game pass, I was given a completely separate account to log into XXXX with that had game pass on it. 

This wasnt advertised as an account at time of sale, and is a common scam where people sell accounts and then cancel the service on them. In addition XXXX terms of service say that you can not sell or purchase someone elses account. Consequences can be steep such as console or other account bans. I in no way was ever going to log into an account that I didnt have control over on my XXXX. 

On XX/XX/XXXX, I disputed the transaction with Apple Card support, providing all the information from the merchant, as well as providing references to XXXX XXXX and Rules clearly stating accounts arent allowed to be sold and that the product sold to me was not advertised as an account but as a XXXX XXXX  subscription. 

On XX/XX/XXXX Apple reached out asking for more information. I provided further documentation from XXXX ( XXXX Parent Company ) further explaining that selling accounts is prohibited and will result in action on Accounts and Hardware of those participating in account sales and purchases. 

On XX/XX/XXXX Apple decided in the Merchants favor. 

I disputed again the same day, explaining the scam and how I was not sold a product I could use or that was advertised to me as an account. 

On XX/XX/XXXX Apple again decided in the merchants favor, claiming I agreed to their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX I spoke to XXXX and XXXX at Fifth Third Bank Bank in XXXX XXXX XXXX They both confirmed there is an account at this bank under my maiden name and my old address in XXXX XXXX My social security number and connected to my phone number in XXXX  I explained to them I am a victim of identity theft and have filed a police report.They still would not give me access to my account I left the state of XXXX  in XXXX and remarried in XXXX Someone else has opened an account at this third bank using my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Statement of Facts : I am disputing the denial of a {$16.00} statement credit for a purchase made at XXXX on XX/XX/XXXX. 

The Purchase : I spent over {$16.00} at XXXX on XX/XX/XXXX. 

The Error : Citi Customer Service claims I activated the offer on XX/XX/XXXX ( after the purchase ). This is factually impossible based on my records. 

Evidence of Glitch : I have a screenshot of the offer I activated, which shows an expiration date of XX/XX/XXXX. I also have a screenshot of a subsequent XXXX offer appearing in my account ( as of XX/XX/XXXX and date of complaint ) with a different expiration date of XX/XX/XXXX. 

Logical Proof : I could not have a screenshot of the XX/XX/XXXX offer if I had not accessed and activated it prior to it being replaced/updated by the XX/XX/XXXX version. 

Attempted Resolution : I contacted support on XX/XX/XXXX. The agent ignored the discrepancy in expiration dates and told me to " wait, '' but no credit has posted.

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 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: FL

Complaint narrative:
This was for a Visa credit card debt with XXXX XXXX back in XXXX. I was in a XXXX XXXX XXXX, with XXXX  and lost my job. I went through a debt consolidation company and they worked hard to settle with all my creditors, pay them off and I am still paying XXXX XXXX bi-monthly payments for settling them! XXXX XXXX  was on the list of creditors, XXXX reached out to them numerous times to make a settlement, but was originally told they had no records of any account balances for me and my SSN! XXXX came to me and I contacted XXXX XXXX personally and finally was told they made the decision to charge the balance off due to previous correspondence received from me about my situation. Both XXXX and I verified with them I had NO balance to include in the consolidation and moved forward to make the settlements with my other creditors. Approximately 6 months later I started receiving collection letters and phone calls from XXXX trying to collect on the debt that XXXX XXXX had already told us was charged off and settled! Between XXXX and I, we provided information we had with XXXX and XXXX closed my collection account, removed the collections from my credit reports and I thought it was over. Then comes along Credit Control LLC, which I believe is just another name for XXXX!, and they have abusively tried to contact me for collections. I have told them and sent emails letting them know the history and why I do not owe this debt, it was settled and needs to be removed from my credit reports, but they have not removed it and they continue to call me numerous times a day, all times of the day ( I had some after XXXX ), every day of the week, even after I have sent emails and letters! My credit history was hit with the XXXX XXXX charge off immediately, then it was hit from XXXX XXXX as a collection and still on the report with their derogatory remarks, and now Credit Control , LLC has an OPEN collections account reported to the bureaus! This is like a major XXXX strikes against me, XXXX more than should have ever been reported!

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