vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to request a formal investigation/report into MOHELAs failure to issue a substantial refund owed to me following Public Service Loan Forgiveness ( PSLF ). My federal student loans have an effective PSLF forgiveness date of XX/XX/XXXX. MOHELA representatives explicitly instructed me to continue making payments to keep my account in good standing while my PSLF was being processed. I was further advised that any payments made after the effective forgiveness date would be refunded. On XX/XX/XXXX, I received formal written confirmation from XXXX XXXX XXXX ( XXXX ) that I had successfully met the requirements for PSLF. On XX/XX/XXXX, I received corresponding confirmation from MOHELA. During my initial follow-up communication with MOHELA in XX/XX/XXXX, I was again informed that once my account was fully processed in their system, I would receive a refund for all payments made after XX/XX/XXXX. The total amount of this overpayment is {$42000.00} ( verified paid amount ). There was an additional XXXX that can not be verified. Since XX/XX/XXXX, I have repeatedly contacted MOHELA to obtain updates on the status of this refund. In each instance, including escalations to specialized representatives, I was given materially identical, non-substantive responsesprimarily that I needed to wait 90120 days or that MOHELA was awaiting information from my prior loan servicer, XXXX. Despite these representations, no meaningful progress has occurred. A complaint was also made with XXXX during this time. I was instructed through that complaint to follow up with MOHELA. It has now been well over one year since my loans were formally discharged, and no refund has been issued. During this time, my MOHELA account consistently reflected a negative ( overpaid ) balance. However, upon recent review, I discovered that MOHELAs system no longer reflects this overpayment and instead indicates that no refund is owed. Furthermore, the account appeared to be active/reopened as though payments were still being received. This unexplained change directly contradicts my payment records, prior account statements, and MOHELAs own prior representations. I have retained complete documentation of my payment history, account balances, and correspondence, all of which substantiate that I paid {$42000.00} in excess of my loan obligation after the effective forgiveness date. Despite my good-faith efforts to resolve this issue directly with MOHELA, I have received no clear accounting, no resolution, and no refund. I am requesting assistance in resolving this issue. Thank you for your attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am performing a forensic audit of my credit file regarding XXXX XXXX account XXXX. This account is currently reporting a balance of {$440.00} on a {$300.00} credit limit. This results in a 147 % revolving credit usage ratio, which is a mathematical impossibility for an account that the creditor has already marked as 'Charged Off ' and 'Closed ' as of XX/XX/year>. Furthermore, my report contains XXXX hard inquiries from various lenders where no credit was ever extended, which provides no 'permissible purpose ' for the continued reporting under the FCRA. This inaccurate data is unfairly suppressing my score, and I demand a full investigation into these inconsistencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I am performing a forensic audit of my credit file regarding XXXX XXXX account XXXX. This account is currently reporting a balance of {$440.00} on a {$300.00} credit limit. This results in a 147 % revolving credit usage ratio, which is a mathematical impossibility for an account that the creditor has already marked as 'Charged Off ' and 'Closed ' as of XX/XX/year>. Furthermore, my report contains XXXX hard inquiries from various lenders where no credit was ever extended, which provides no 'permissible purpose ' for the continued reporting under the FCRA. This inaccurate data is unfairly suppressing my score, and I demand a full investigation into these inconsistencies.

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 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I am submitting this complaint regarding USAAs denial of my fraud claims related to a scam that occurred on XX/XX/year>. On XX/XX/year>, at approximately XXXX XXXX, I received a phone call from an individual impersonating a USAA fraud protection employee. The caller falsely claimed there was a fraudulent charge of approximately {$9000.00} at a XXXX XXXX location near my residence and instructed me to take immediate action to secure my account. Under these false pretenses, I was directed to go to the bank and write a check for {$17000.00}. Believing I was protecting my account from fraud, I followed these instructions and authorized this check transaction. However, while I was traveling to the bank, the scammer gained unauthorized access to my account and initiated a separate transfer of {$5000.00} from my linked external account without my knowledge or consent. After returning home and reviewing my account, I discovered the unauthorized transfer and additional suspicious activity. I immediately contacted USAAwithin approximately one hourto report the incident and dispute the transactions. On XX/XX/year>, USAA concluded that no error had occurred. I requested that the investigation be reopened and filed both a police report and a complaint with the FBIs Internet Crime Complaint Center ( IC3 ). On XX/XX/year>, USAA again denied my claim. I have since requested another review. I want to clearly distinguish the nature of these transactions : - The {$17000.00} check was written by me, but only because I was deceived by an individual impersonating a USAA employee as part of a fraud scheme. - The {$5000.00} transfer from my external account was NOT authorized by me and was initiated without my knowledge or consent. The unauthorized {$5000.00} transfer constitutes an unauthorized electronic fund transfer. Additionally, the check transaction occurred under fraudulent inducement as part of a coordinated scam involving impersonation and account compromise. I am requesting regulatory review by the Consumer Financial Protection Bureau regarding USAAs handling of this case and denial of my claims. Sincerely, XXXX XXXX XXXX XXXX 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 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC
State: FL

Complaint narrative:
The information they sent and trying to connect to me is for a XXXX XXXX from XXXX XXXX, MO, a place that I have never heard of. When they kept calling I tried to to get information about the debt but they wanted all my personal information, however I am not giving my personal information to anyone that calls me and the limited information they tried to get was not valid and I tried to tell them I didn't know who they were looking for. I did finally get something about a XXXX XXXX loan with an APR of XXXX % definitely not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, I was defrauded out of {$2000.00} via XXXX after an unknown individual hacked my friend 's XXXX account and used it to impersonate him, advertising a car for sale via XXXX XXXX. Two XXXX payments were sent as a deposit for the vehicle : - {$1000.00} at XXXX XXXX on XX/XX/year> to " XXXX XXXX '' at ( XXXX ) XXXX - {$1000.00} at XXXXXXXX XXXX on XX/XX/year> to the same account Bank of America was contacted at XXXXXXXX XXXX on XX/XX/year> within 70 minutes of the first transfer to report the fraud and request a recall of funds. A formal written claim was also sent via tracked mail. Bank of America denied the claim on XX/XX/year> ( Claim Number : XXXX ) stating the transfers were completed according to instructions and no error occurred. I am requesting reconsideration for the following reasons : 1. This was identity theft and impersonation fraud. The transfers were made under false pretenses by someone impersonating a trusted friend through a hacked account. The recipient phone number ( XXXX ) XXXX was non-working when called after the transaction, confirming fraudulent intent. 2. Official police documentation exists. This incident was formally reported to the XXXX Police Department under case number XXXX, approved by XXXX XXXX XXXX, classified as theft and identity theft with {$2000.00} listed as stolen currency. 3. The hack has been independently confirmed. The account holder whose identity was used to defraud me publicly confirmed on XX/XX/year> that his XXXX and XXXX accounts were hacked, that hijackers used his account to contact friends via XXXX to sell fraudulent items including automobiles, and that he filed his own police report. 4. FTC and FBI reports have been filed documenting this fraud. 5. Bank of America is a co-owner of XXXX as a founding member of XXXX XXXX XXXX, and bears direct responsibility for the platform 's fraud policies. I am requesting that Bank of America reopen my claim, pursue a recall of both XXXX transactions, and reimburse the {$2000.00} fraudulently obtained.

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 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
CBE Group / XXXX {$110.00} A collection account from CBE Group ( original creditor : XXXX XXXX XXXX, balance {$110.00}, opened XX/XX/year> ) is appearing on my XXXX credit report. I have no knowledge of this account and have never had a contractual relationship with this collector. On XX/XX/year>, I submitted a formal dispute with XXXX requesting verification. I am requesting the bureau remove this unverified account immediately. No verification has been provided to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: MT

Complaint narrative:
b'A company called THE BUREAUS agreed to settle and remove account that was in collections. Never happened, I emailed and called numerous times they have told me they will get it taken care of there was a mistake made its been almost a year since and still on my report XXXX and XXXX. I wish to report this and or sue for damages. My contact is XXXX XXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NC

Complaint narrative:
Block, Inc. ( Cash App ) is withholding {$520.00} in verified refunds. Despite providing them with their own ledger showing technical " NULL '' values and impossible transaction dates, they refuse to credit my account. I have been forced through a " Support Loop '' with at least seven different individuals ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and others ) who refuse to provide full names or professional credentials. This appears to be a systemic failure of data security and a deliberate attempt to exhaust a consumer with a XXXX and serious physical health complications. They have unilaterally closed my complaints without resolving the mathematical discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was put on a payment plan by Capital One. I have made payments in accordance with the plan. They are marking me as delinquent for my payments. I was assured that the payment plan would put my account back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
On XX/XX/XXXX, my phone was stolen by my ex-boyfriend, against whom I had already obtained a restraining order. He knowingly took my device and, using his prior knowledge of my direct deposit schedule, waited until my paycheck was deposited around midnight. Immediately after the funds were deposited, he used my stolen phone to transfer my entire paycheck to an individual named XXXX XXXX without my knowledge or authorization. This was a clear case of theft and fraud. I filed a police report immediately and have since pressed criminal charges. I have submitted this documentation to Chime on three separate occasions while disputing these unauthorized transactions. Despite providing sufficient evidence, including a police report confirming the theft of my phone and the circumstances surrounding the fraud, my claim has been repeatedly denied. I have been a customer since XXXX, and I find it unacceptable that a financial institution partnering with FDIC-backed banks has failed to properly investigate and resolve a legitimate case of unauthorized electronic transfers. These transactions were conducted using stolen property and without my consent, which falls directly under the protections of the Electronic Fund Transfer Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX XXXX in XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Request for Full Discharge of Student Loans Due to Nelnets Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by Nelnet due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. Nelnet misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, Nelnet has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which Nelnet has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). Nelnet conduct has caused me significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and fair guidance. As a borrower who relied on Nelnet advice and entrusted them to manage my student loans be fully forgiven. Additionally, in XXXX of XXXX, XXXX XXXX XXXX, XXXX of MN contacted me on behalf of XXXX to pay an agreed one-time payment of {$1600.00} to resolve my full remaining balance, in which I paid. However, it is clear that both XXXX XXXX XXXX XXXX and XXXX never resolved the matter or cleared my balance as paid in full as agreed in the documentation they sent to me. Currently Nelnet holds an inflated balance due to the companys deceptive practices and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Credimatico LLC
State: TX

Complaint narrative:
I contacted Crediterium on XX/XX/year> because I wanted to settle the account and discontinue having money automatically withdrawn from my account. I asked for the automatic payments to be stopped. I received a response from customer service stating that I needed to send a letter in the mail. My issue with this is that I have contacted them with my intention to stopping payments via their customer service means of contact and their requirement to send in a letter is an attempt to continue to take money out of my account until the letter is received. Today, money was still taken out of my account on a day that isnt even my supposed due date for the loan. I would like my money back from this company as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
My XXXX account was restricted on XX/XX/year>. This restriction has now exceeded the standard 180-day holding period for potential disputes. I currently hold a balance in XXXX ( cryptocurrency ) within the account that I am unable to access. Whenever I attempt to sell or transfer these digital assets, the app interface fails to load and displays a continuous loading icon ( " spinning wheel '' ), preventing any transaction. Furthermore, I am currently facing a financial emergency as my linked bank account is compromised and frozen due to a lost wallet. I have attempted to contact XXXX support via live chat and phone multiple times to request a manual liquidation of my Bitcoin and a physical disbursement check for the proceeds. I have been met with automated loops and have been unable to reach a human agent who can process this request. By failing to provide a functional interface to manage my assets and refusing to provide a manual disbursement after the holding period has elapsed, the company is denying me access to my property. I am requesting immediate manual liquidation of my Bitcoin and a paper check for the full value mailed to my verified address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XXXX Sent dispute to duplicate companies collecting same debt amount {$2600.00} Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld Systems Inc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint regarding how XXXX handled my dispute. On XX/XX/year>, I made a purchase of {$62.00} through XXXX ( transaction with XXXX XXXX ). The item I received was significantly not as described and of very poor quality ( defective stitching, holes, and cheap material ). I contacted the seller on XX/XX/year> requesting a return and refund, but received no response. I also documented that the original product listing was removed from the website after my purchase. I opened a dispute with XXXX and attempted to upload all required evidence. However, their system repeatedly failed with errors and did not allow me to upload documents. Because of this, I had to contact customer support and ask them to manually attach my evidence. XXXX support confirmed that my documents and written explanation were received and attached to my dispute. Despite this, my claim was denied without any explanation. When I contacted support to request the reason for denial, I was told that they do not have access to this information and that I must send a physical letter by mail to another state to obtain the reason. They also refused to provide the explanation electronically. I believe this process is unreasonable, lacks transparency, and prevented me from having a fair review of my dispute. I provided clear evidence of a defective item and an unresponsive seller, yet no justification for the denial was given. This creates an unfair situation where I can not properly appeal the decision because the reason is intentionally withheld or made difficult to access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I am an XXXX service member ( XXXX ) currently on XXXX for professional training. I have maintained my Bank of America credit card account with Autopay enabled for multiple years to ensure timely payments while managing military duties. Recently, I discovered a 59-day delinquency on a small balance of less than {$100.00}. This error occurred because my pre-existing Autopay settings were deactivated during Bank of Americas recent system migration ( transition to the new " Pay & Transfer '' platform ) without adequate notification. Upon discovering this, I immediately paid the full balance to ensure the account was current. However, when I contacted Bank of America customer service to request a correction for this technical error, the representative provided false guidance, claiming I must contact the credit bureaus myself. Bank of America is responsible for reporting accurate data, and reporting a delinquency caused by their own technical failure is a violation of fair reporting standards.

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