vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I am filing a complaint regarding an unauthorized early income recertification performed by my federal student loan servicer, Edfinancial Services, which resulted in an improper increase to my monthly payment under an Income-Based Repayment ( IBR ) plan.

I was previously enrolled in the SAVE plan and was required to transition to IBR due to ongoing litigation affecting SAVE. My official IDR anniversary/recertification date is XX/XX/year>, and that date should have been preserved when I transitioned plans.

Despite this, Edfinancial automatically recalculated my payment using recently filed tax information, even though I did not request early recertification, and the recalculation occurred well in advance of my anniversary date. This action materially increased my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I am submitting this complaint regarding improper credit reporting and failure to validate an alleged rental debt being reported by U.S Collections West, lNC. XXXX XXXX XXXX XXXXXXXX, AZ XXXX on my consumer credit report. 

The alleged debt originates from a former landlord and is based on purported move-out damages. I dispute the validity of this debt in its entirety. The landlord failed to comply with Arizona Revised Statutes 33-1321, which governs move-out inspections and security deposit accounting. 

Specifically : No Notice or Opportunity to Attend Move-Out Inspection : Under A.R.S. 33-1321 ( C ), a tenant has the right to be present at the move-out inspection, and the landlord must provide reasonable advance notice. No inspection was scheduled with me, and I was never notified of any inspection. I was denied the statutory right to be present. 

Failure to Provide Itemized Deductions Within 14 Business Days : Under A.R.S. 33-1321 ( D ), a landlord must mail an itemized statement of deductions or return the security deposit within 14 business days of move-out. I did not receive any itemized notice within the statutory timeframe. The landlord has not provided proof of timely mailing, such as a postmarked envelope or certified mail receipt.

Inability to Validate the Debt : I formally disputed this account and requested validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The collection agency has failed to provide documentation establishing : 1.Proof of lawful inspection notice 2.Proof of timely mailing of itemized deductions 3.Dated photographic evidence of alleged damages 4.Identification of the individual who conducted the inspection 5.Without proof of compliance with state law, the alleged debt is legally unenforceable.

Despite this, the collection agency continues to report the account to credit reporting agencies, which I believe constitutes : 1. Reporting inaccurate and unverifiable information under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) 2. Continuing collection activity without proper validation under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
The chime bank got a transfer request from my account to someone elses in the amount of XXXX due to my normal bank account getting hacked. I did not authorize this transfer and have emails to prove someone else was in my account and made the transfer without my knowledge. After 3 despute denials, multiple supporting documents and no answers as to why I finally asked for info as to why they were denied. They said that in 3 business days I would have the info in my email. Were now going on 2 weeks with no email what so ever and chime has helped zero with getting me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: IL

Complaint narrative:
Over the past several months, my federal student loan balance serviced by MOHELA increased by approximately {$9000.00} over a relatively short period of time. I did not receive any notice, explanation, or documentation explaining this increase, and I can not identify any repayment, capitalization, consolidation, or correction event that would justify it. 

On XX/XX/XXXX, I paid off one of my loans in full with a payment of {$11000.00}, which dropped my total account balance below {$100000.00}. I'm unsure of the exact amount, but when I checked my account just a couple months later, my account balance was over {$100000.00}. Given that my total weighted interest rate is around 7 % and the loan amount, this increase does not make any sense. 

After noticing the increase, I contacted MOHELA multiple times by phone beginning in late XXXX  to ask why my balance had changed. During these calls, I informed the representatives that the calls were being recorded, and the representatives continued the conversations. I was told on more than one occasion that there were mistakes or inconsistencies related to interest calculations on my account and that the issue would need to be reviewed or corrected. I was also told that investigation tickets would be opened and that I would receive follow-up communication. 

Despite these statements, I did not receive any written explanation or resolution. 

On XX/XX/XXXX, I submitted a formal written dispute through MOHELAs secure message system requesting a complete transaction history, a detailed breakdown of interest accrual and capitalization events ( including dates and amounts ), and a written explanation for the balance increase. 

MOHELA responded with a generic message directing me to online payment history and an interest estimator tool. This response did not provide the requested transaction history, did not explain the {$9000.00} balance increase, and did not meaningfully address my dispute. 

My account is currently in forbearance, so there is no delinquency risk, but interest continues to accrue on a balance that I am actively disputing. I am unable to verify the accuracy of my loan balance because MOHELA has not provided the required documentation.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime ( dba XXXX XXXX ) promises that once you enroll with their institution you will be able to access money days earlier than your regular bank and you would also be able to get pay advances on your recurring direct deposits. Well the my pay app on the Chime website will NOT give you access to your incoming direct deposit and if it does it ask for a tip for advancing your money. I had never heard of a bank asking for a tip for doing business with a customer and when I didnt tip they reduced my credit limit through the my pay app to practically nothing. I have a main checking account with XXXX XXXX and will probably transfer my pension deposit there where my social security retirement check is direct deposited. I am a XXXX XXXX  citizen and this has been a complete nightmare even though I have never owed Chime a dime and my pension direct deposits were on time for the entire time I have been with their company ( approximately 1 year 6 months ). Please investigate this company as they are putting out misinformation and misleading many people that can not afford their fraud and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I received an email from cashapp in XX/XX/XXXXXXXX  advising to verify my identity or my account will be closed. When I saw the email, verified my information, they advised my account was closed due to violating their terms of service. I reached out to their support team several time to get information on which term of service I violated I kept getting a templates response. I asked to appeal their decision. I was notified XX/XX/XXXXXXXX  I was not eligible to appeal as I violated the terms of service. I tried to reopen another cashapp account because this is how I exchange money between myself and family members. Shortly after I opened the account it was closed for the same reason. Reached out to support again today ( twice ) and was advised they submitted my request for an appeal and I will hear from someone in 10 days however they are unable to speak with me over the phone. This is frustrating bc Im afraid fraudulent activity may have taken place and Im unable to notify my bank of any details because I can not get any answers from Cashapp. This has been ongoing for almost a year. I sponsored my daughter and nephew and they are unable to have a cashapp account on their own and I still can not get any answers or speak with a live person from cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I spoke with a representative from AmSher regarding an alleged XXXX XXXX XXXX  debt of {$130.00}. During the call, I was explicitly told that if I agreed to pay the balance, the account would not be reported to the credit bureaus. Based on that representation, I authorized a payment. 
After receiving the written payment authorization, I noticed that there is no documentation confirming the promise that the debt would not be reported, which contradicts what I was told verbally. 
I relied on the collectors statement when agreeing to payment. This appears to be a material misrepresentation and a potentially deceptive collection practice. 
I am requesting : Written confirmation that this account will not be reported to any consumer reporting agency, and That AmSher is prohibited from furnishing this account now or in the future. 
If they are unwilling to honor the promise made by their representative, I request the CFPB investigate this as a deceptive practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I used PayPal Pay in 4 for two purchases that qualified for a 20 % promotional cash-back offer. 

Both XXXX in 4 plans were completed early and I have never had a late payment. 

Despite completing the plans in full, {$160.00} in promotional rewards remains in pending status. 

I contacted PayPal customer support multiple times by phone. Representatives refused escalation, did not create a case ID, and repeatedly stated I must wait up to 90 days, without addressing that the Pay in 4 plans are already completed. 

I am requesting release of earned promotional rewards per the promotion terms and confirmation that the rewards system reflects completed Pay in 4 plans correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MA

Complaint narrative:
On XX/XX/year>XXXX  I created a checking account with Credit Karma XXXX, and on XX/XX/year>XXXX  I received a {$500.00} deposit to my account. I have tried accessing my funds, but the company does not let me withdraw, or access my funds with their virtual card option. I have called customer support 3 times and their virtual support once, and got the same run around, unhelpful answers with no further action from them than to wait a few days to a few weeks to see if it works.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I opened a Savings Account with Openbank by XXXX and funded the account with {$50000.00} from my XXXX XXXX XXXX account. The money left my XXXX XXXX  Savings account on XX/XX/year> and successfully reached Openbank. I later authorized a transfer of {$10000.00} back to my XXXX XXXX account. Openbank cancelled the transfer and restricted my account. Openbank refuses to release my money back to the XXXX XXXX account from which I funded the account. Openbank has misdirected me about how to resolve the issue saying that XXXX XXXX " must file a claim ''. Openbank told me that the account was restricted because I moved the money within XXXX  day of the account being open. This is corrupt because there app allows users to do this. If it's a rule that they can't, why would the app allow it. All I want Openbank to do is to return my money to the account from which it was funded, which I am the owner of, and to close my account so that I never have to bank with them again. There is an enormous number of people on XXXX who have experienced the same predatory behavior by Openbank.

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 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXXGM Financial for the continued reporting of an inaccurate and improperly verified charge-off on my credit report. 

XXXXGM Financial is reporting this account as a charge-off with negative payment history that I dispute as inaccurate, incomplete, and not properly substantiated. I previously disputed this account and requested validation and a reasonable investigation ; however, the company failed to provide adequate proof that the reported charge-off is accurate or legally owed as reported. 

Despite my dispute, XXXXGM Financial continues to report damaging information without providing proper documentation, in violation of the Fair Credit Reporting Act ( FCRA ). The ongoing reporting of this charge-off is materially harming my creditworthiness and financial opportunities. 

I am requesting that XXXXGM Financial immediately conduct a full and lawful investigation, provide complete validation of the alleged charge-off, and correct or delete all inaccurate, incomplete, or unverifiable information being reported to the credit bureaus. If the company is unable to properly substantiate this debt and its reporting, it must be removed. 

I am submitting this complaint to demand compliance with federal consumer protection laws and to stop further harm caused by this improper credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: Klover Holdings, Inc.
State: IN

Complaint narrative:
I revoked the ach authorization on XX/XX/year> and on XX/XX/year> they sent me an email stating they completed repayment. I didnt authorize this repayment. It was for {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Receivable Solutions LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I had a hearing test appointment which I thought was going to focus solely on my left ear. At the time I made the appointment I specifically stated I did not want a standard hearing test on both ears because I already knew I couldn't hear out of my left ear from experience and previous testing. I was the one who initiated this appointment because I found that if I held my nose and blew, something happened in my left ear that would allow me to hear much better. When I arrived at the appointment I was required to pay my insurance deductible and sign a financial agreement. Again, I was forced to do this in order to get the hearing test I thought I was going to receive. Mercy ignored my request for a left ear only test and did a standard test on both ears. The results showed significant hearing loss in my left ear. Right after the test I met with XXXX XXXX, a XXXX  XXXX  doctor who reviewed my results. I explained why I was there and he initially said that it was my imagination that I could hear better when holding my nose and blowing. I debated him on that and he eventually said a test on the left ear would determine if I was right. Mercy billed me more than {$500.00} for the test and doctor visit. I requested a redo of the test and consultation at no extra cost to me. Mercy refused. I ended up paying most of the charges but the remaining balance is tied to the hearing test I did not request or agree to pay for. Mercy turned my debt over to Receivable Solutions, LLC and I was initially contacted by them on XX/XX/XXXX. I promptly responded via email and notified them that the debt was disputed and asked them to not contact me again. The email was read by Receivable Solutions on XX/XX/XXXX. On XX/XX/XXXX I received a follow up letter from Receivable Solutions stating my dispute was invalid. The amount is in fact disputed and I'm requesting CFPB help me in holding Receivable Solutions, LLC accountable for violating my request not to be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
We turned in our notice that we were not renewing 60 days advance in a written letter and they tried to say that we turned it in a day late so we had to pay two extra months PAST the original move out date. FRAUD. Paid every month on time, and never was late. This was back in XXXX and they keep sending it off to different companies trying to scam me out of money and hit my credit back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert A. Schuerger Co., LPA
State: NJ

Complaint narrative:
I am filing a complaint regarding a student account sent to collections by XXXX XXXX  and handled by The Law Offices of Robert A. Schuerger Co., L.P.A. 

This debt arose from a Fall XXXX  term bill after I submitted an official withdrawal effective XX/XX/XXXX. XXXX later admitted in writing that two separate billing issues occurred during the same term for similar amounts ( approximately {$3800.00} ), and that one of those balances was incorrectly applied and later corrected in XX/XX/XXXXXXXX  with a {$3700.00} loan credit and a {$45.00} write-off. XXXX acknowledged that this overlap caused confusion between the accounts. 

For approximately two years, I was actively communicating with XXXX XXXX XXXX and XXXX XXXX attempting to determine the origin of these balances. Multiple XXXX representatives were unable to explain or reconcile the charges, and I was repeatedly told that the balance appeared incorrect and should not be paid while under review. I have over 40 emails documenting these communications. 

This demonstrates a significant failure within XXXX financial aid and billing departments to properly account for and explain student charges. Students should not be required to repeatedly chase explanations for unexplained or misapplied balances, particularly when the university later confirms that errors and confusion existed. 

Despite this unresolved dispute and XXXX acknowledged billing error, XXXX sent the account to The Law Offices of Robert A. Schuerger Co., L.P.A. in XX/XX/XXXX without properly resolving the account or providing a reconciled final statement. The law firm then added approximately {$1000.00} in collection and legal fees. 

I am still an XXXX XXXX XXXX. The delay and confusion were caused by XXXX administrative errors, not by my refusal to pay. The collection firm is now attempting to collect a disputed balance inflated by improper fees based on an account that was never properly reconciled. 

I am requesting that : 1. The account be recalled from collections or returned to XXXX for resolution 2. All collection and legal fees be removed 3. Any credit reporting be prevented or deleted 4. XXXX provide a full itemized accounting and written explanation of the balance I am prepared to provide all email records and documentation supporting this complaint.

Company response to consumer: Closed with explanation