vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WI

Complaint narrative:
I have made 113 qualifying payments and have eligible employment to put me over the requisite 120 months ; however, my loans were put in forbearance due to SAVE litigation. I submitted a buyback request XX/XX/XXXX ( case # XXXX ). After several unproductive attempts to gain information or accelerate the processing of my request, I submitted a complaint with XXXX XXXX XXXX XXXXXXXX ) on XX/XX/XXXX and was told to contact my loan servicer, but MOHELA has informed me multiple times they are not responsible for PSLF information.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
We have attempted for an extended period of time to resolve issues with our mortgage loan serviced by Select Portfolio Servicing ( SPS ). My husband and I are permanently XXXX and live on fixed Social Security XXXX income. We experienced a temporary hardship but have consistently communicated with SPS and submitted all requested documentation in an effort to resolve the account. Despite our full cooperation, SPS repeatedly requested documents that had already been submitted and kept our loss mitigation application in review without providing a clear approval or denial. Their internal servicing notes show numerous borrower contacts, document submissions, and hardship discussions, yet the review process was never properly completed. SPS recently responded to our CFPB complaint but did not provide a complete accounting of the loan. They referenced multiple loan modifications over the years but did not provide the modification agreements, amortization schedules, or a life-of-loan payment history showing how our current principal balance was calculated. After many years of payments and several modifications, the principal balance remains nearly unchanged, and a balloon balance still exists. SPS has not provided a transparent explanation showing how payments were applied or how the balance evolved through the modifications. We are not attempting to avoid our obligations. We are willing and able to resume regular payments and bring the account current. We are simply requesting transparency regarding the loan balance and fair consideration of hardship assistance or payment deferral so that we can stabilize the account. We respectfully request that SPS provide a complete payment history, documentation of all loan modifications and amortization schedules, a full accounting of fees and advances, and the name of the current owner or investor of the loan. The pattern of repeated document requests, lack of a clear loss mitigation decision, and failure to provide a transparent accounting of the loan raises concerns about potential mortgage servicing compliance issues under federal servicing regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
In XX/XX/XXXX, I switched my XXXX XXXX monthly subscription of {$16.00} from my Chase XXXX credit card to my bank checking account. The monthly fee started coming out of my checking account in XX/XX/XXXX. I did not notice until XX/XX/XXXX. XXXX that my membership subscription was still coming from my Chase XXXX credit card and my bank about both each month. I spoke with Chase and explain they did not stop the monthly subscription and that I was charged double. They put in the dispute from XXXX - XXXX and said they would contact XXXX to verify I was double charged and get back with me. They explained they could not do anything about they {$16.00} they just charged my account on XX/XX/XXXX, because it was too soon. After a few days, they sent me a notification saying they had contacted XXXX and verified I had been double charged, but due to the time laps they could not refund my funds. I also contacted XXXX and they could not see the charges on my credit card so I would need to take it up with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
Received a promotional 0 % email from Chase on XX/XX/XXXX. Called Chase and they stated it was an error in their system. Received another email on XX/XX/XXXX stating the previous email was an error but out of courtesy they were still offering the promo for any purchases made between XX/XX/XXXX XXXX. Attempted to make a balance transfer and was told they would not honor the email offer ( see below ) You may have received a welcome email that communicated an introductory 0 % annual percentage rate ( APR ) which was sent in error. While you are a valued Slate customer, this offer was for new customers and does not apply to your account. What this means for you : Your account terms, including contract APRs, and benefits remain unchanged as disclosed in your Cardmember Agreement. However, as a courtesy, we will honor the 0 % APR on purchases and balance transfers made between XX/XX/XXXX and XX/XX/XXXX. There's nothing you need to do. Thank you for being a Slate cardmember.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
My card 's where stolen with my phone and they got into my account and got XXXX out of my account and I called and talked to 3 different people and made a claim or dispute and they said since I don't have proof that it was stolen I lose out on my stolen money.thats great customer service I guess, I'm homeless and that money was to get a apartment for my XXXX old daughter that's staying with me in the car right now and for you to let that happen and say it's my fault is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
This is a formal demand regarding the fraudulent and unverified collection account being reported under my name. I do not recognize this debt, and your ongoing harassment and threats of legal action are a blatant violation of my rights under the Fair Debt Collection Practices Act ( $ FDCPA $ ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$700.00} Balance updated XX/XX/XXXX Original balance {$700.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing a 30 day late payment for XX/XX/year> on my XXXX account starting with XXXX reported by TransUnion. TransUnion previously verified this as accurate, but my attached XX/XX/year> statement proves otherwise, it shows a payment posted on time, XXXX fees, and no past due amount.

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 2026-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Currently, I am under a pending Borrowers Defense application with student aid. I was a student at XXXX XXXX XXXX during the settlement addressed a " XXXX XXXX XXXX XXXX XXXX '' marketing campaign that ran from late XXXX to early XXXX and enrolled during the whistleblower lawsuit filed in XXXX with the XXXX XXXX, a parent company of XXXX. I have since been in quite turmoil to repay my students despite the ongoing lawsuits and/or settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding accounts that have been fraudulently opened in my name due to identity theft. These accounts do not belong to me, and I am requesting the CFPBs assistance in having these inaccurate and unauthorized accounts investigated and removed. Details of the Issue I recently discovered one or more accounts on my credit reports that I did not authorize or open. These accounts appear to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies and the creditors, but the issue has not yet been resolved. Action Requested I respectfully request that the CFPB : Investigate these fraudulent accounts Ensure the furnishers and credit bureaus conduct a proper investigation Require removal of all inaccurate information related to the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony credit closed my Mattress Firm account 2 years ago with a XXXX balance. Synchrony closed my car credit account after paying off balance completely. It's hurt my credit score both times never missed a payment on either card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: IN

Complaint narrative:
I am submitting this complaint regarding Discover Card account ending in XXXX. I previously filed CFPB complaint # XXXX regarding the reporting of this account. Discover responded on XX/XX/year> through its XXXX XXXX XXXX XXXX XXXX. In that response Discover stated the following : However, due to your dispute of the account, we have reported the account to the credit bureau reporting agencies as disputed and will continue to report it as such unless you tell us to stop reporting it as disputed. I never requested that Discover stop reporting the account as disputed. However, shortly after this response, Discover changed the reporting on my credit reports. The account is no longer marked as consumer disputes this account. Instead it now shows dispute resolved reported by grantor. This change directly contradicts Discovers written statement to the CFPB that the account would continue to be reported as disputed unless I requested otherwise. As a result of this change, my credit score dropped significantly because the account is no longer being treated as a disputed tradeline by credit scoring models. I believe Discover has failed to follow the commitment it made in its official CFPB response and is now reporting the account inconsistently. I am requesting that Discover either restore the dispute remark to the account as they stated they would in their CFPB response, or otherwise correct the reporting so that it accurately reflects the ongoing dispute. If Discover is unable to accurately report the account in accordance with its written statement to the CFPB, I request that the tradeline be removed entirely to prevent continued inaccurate or inconsistent reporting. I have attached documentation showing Discovers CFPB response as well as a screenshot of my current credit report reflecting that the dispute remark has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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.
State: MD

Complaint narrative:
I make a payment to my account in XX/XX/year> Avant would hold my payment when it is cleared in my bank account only to over charge me. Avant did it again on XX/XX/year>, I made a payment and they withhold the payment say its pending while it is taken out of my checking account only to overcharge me enriching themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Upon bringing my balance to XXXX Best Buy/Citibank added fees to my account that had been paid in full, in order to continue to harass me for payments three times a day. I find this practice to be just tasteful, especially considering the fact that they lowered my limit from many thousands of dollars to {$200.00} affecting both my credit score and my credit to debt ratio. They are not the only company to do this, however, they are the only company that calls three times a day. upon contacting them, I was never able to speak to a human being, instead shuffled from one automated system to another. Our economy and the inflation rate are bad enough without companies contributing to the erosion of my credit score. Any helped the bureau can provide would be greatly appreciated.

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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
it is too bad you have no teeth to do something about a unscrupulous company like synchrony. I've written XXXX about their practices, and this is another. on XXXX XXXX I mailed my payment they say I didn't pay it, guess what I got in my mail box yesterday. my payment was returned to me, it was canceled by XXXX XXXX XXXX on XXXX the mailing address was torn off along with envelope. it seems to me these people are trying to cover their actions of deceit. the envelope and contents were intensionally destroyed. if this was a post office mishap it surely would have been returned to me in a timely manner. but I received this yesterday, XXXX almost XXXX months after this mishap accured. very suspicious. please advise as to who I have to report this unscrupulous company to so something can be done about their practices. they do not deserve to be in business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX bought out a credit card of mine from XXXX XXXX. During the account conversion process, an account error occurred where they sent all written correspondence and a new credit card to an address that isn't mine. I was not even aware XXXX XXXX had taken over the account. At the time of the conversion, there was a {$2.00} balance at XXXX XXXX, which I always had autopay established with, by the way. Due to XXXX 's not having my correct address, and me being unaware I even had a new XXXX 's account, I was incorrectly marked as past due and 30 and 60 days delinquent over a {$2.00} balance, ( yeXXXX XXXX XXXX ). I did not find out until a credit monitoring service emailed me saying, " One of your accounts is delinquent. '' A CFPB complaint was opened, and XXXX 's bank fixed this and also corrected the invalid delinquencies to all 3 credit bureaus. As a result of the erroneous delinquencies on my report, Citibank took significant negative adverse action on my XXXX XXXX XXXX XXXX XXXX. They reduced my credit limit because their automatic algorithms assumed I was high risk. My original credit limit should be immediately reinstated since this decision was made using incorrect information on my credit report which has since been corrected and fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/year>, I placed an online order ( curbside pickup ) with XXXX using my BMO debit card. The order total was {$280.00}. XXXX placed an authorization hold on my checking account for {$290.00}. I picked up the order on XX/XX/year>. After picking up my order, I attempted to use my BMO debit card to purchase gas for my car. My card was declined. Upon checking my account online, I saw that there were TWO authorization holds on my checking account, BOTH for the same amount of {$290.00}. One was for XXXX and the other was for XXXX XXXX XXXX XXXX XXXX AR - both of which are in fact XXXX. I immediately contacted BMO and explained that my debit card had been declined because XXXX had placed a double hold on it. The customer service representative told me that he could see that only ONE payment was posted to XXXX, for {$280.00}, and that he could not see a double hold on my account on his end. He further advised me to keep an eye on my account over the next few days to see if the holds were removed and if not, I could file a complaint. He said there was nothing he could do to remove the duplicate hold. At that point I contacted XXXX and explained to the representative that there was a duplicate hold on my debit card which resulted in my account being overdrawn and my debit card being declined. Again the representative informed me that there was nothing he could do to remove the duplicate hold and said it should be removed within a few days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV balance of XXXX Opened XX/XX/2024 but now closed original creditor it says XXXX XXXX XXXX Last for account number is XXXX attempts were made to fight to have it removed due to this account being fraudulent & action on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I received a text message from The Bureaus Inc. regarding an alleged debt originally owed to XXXX XXXX XXXX, reference number XXXX. The text message contained only a payment link and no proper validation disclosures. I never received a written validation notice by mail containing the amount of the debt, the name of the creditor, or my right to dispute the debt within 30 days as required under 15 U.S.C. 1692g ( a ). Under federal law a debt collector must send a written validation notice within 5 days of initial contact. A text message with a payment link does not satisfy this requirement. On XX/XX/year> I sent a formal written validation demand via USPS Certified Mail to The Bureaus Inc. at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXL XXXX. The Bureaus Inc. received and signed for my letter on XX/XX/year> as confirmed by the signed return receipt card. As of today they have not provided any validation of the alleged debt. I have screenshots of all text messages received and the signed certified mail return receipt confirming delivery. This failure to provide a written validation notice within 5 days of initial contact constitutes a violation of 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation