vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

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 XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I received a spoof phone call from a scammer that pretend d to be my main bank and which is Navy Federal Credit Union. They made it seem as if my account was flagged for suspicious activity and had me move my cash to cash app and withdraw it using a XXXX XXXX XXXX account with a debit card ending in XXXXsaying it was Navy Federals way of protecting your money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I am submitting this complaint regarding my private student loan with Sallie Mae. I took out this loan in XXXX for approximately {$5000.00}, and despite making payments, my balance has increased to around {$7000.00}. At the time I accepted this loan, I did not fully understand how the interest would accumulate or how quickly the balance could grow, even with consistent payments. The long-term financial impact and repayment structure were not clearly explained to me in a way that I could reasonably understand. I feel that I was not adequately informed about the risks associated with this private loan, including how interest capitalization and high interest rates could cause my balance to increase rather than decrease. If I had fully understood this, I would have made a different decision or sought alternative options. I am currently experiencing financial hardship and am unable to afford the payments. The increasing balance has made the situation feel unmanageable and unsustainable. I am requesting that Sallie Mae review my account and provide a reasonable resolution. This may include reducing the balance, lowering the interest rate, or offering a more affordable repayment option that does not result in my balance continuing to grow. I would also like a clear explanation of how my balance has increased despite payments, including a breakdown of how payments have been applied between interest and principal. I am seeking a fair and manageable solution, as my current situation is not financially sustainable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX kept increasing the amount of the monthly bill randomly from the fixed amount. I would call and speak to their representative with no results. After 9 months of them overcharging me I cancelled the contract ( XXXX ) citing that they were stealing money that they had no right to other than the rate that was agreed to on the contract. I spent the last 3 months on the phone with their billing department disputing the money they were taking from my account that was more than the agreed fixed rate. They wouldn't give back the phones I gave for the phones they provided, they just wanted their phones back and leave me with nothing. In the end, after doing all the math with all of the bills, they owed me {$48.00} which was confirmed multiple times by their own billing department. The billing individuals would each tell me that they would look into it and resolve the error, but nothing ever happened. I spent hours waiting and was cut off multiple times only to get no solution and finally to end up with a debt that I shouldn't have in collections that is ruining my credit rating. It's nice that a debt collector ( Credence Resource Management ) can accept to collect a debt and have no knowledge if the debt is valid or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a formal complaint regarding the closure of my bank account, which I believe was done unfairly and without proper justification. My account was closed without a clear explanation, and I have not engaged in any activity that would reasonably warrant such action. This lack of transparency is unacceptable and raises serious concerns about the banks practices and treatment of customers. If there were any concerns regarding my account, I was not given a meaningful opportunity to address or resolve them before my account was terminated. Denying me access to basic banking services without explanation or due process is unreasonable. If there is an outstanding balance associated with the account, I am willing to resolve it promptly. However, I expect the bank to act in good faith by : * Providing a detailed and specific explanation for the account closure * Reviewing my account fairly and correcting any errors * Allowing me the opportunity to reopen my account or establish a new one upon resolution If this matter is not addressed appropriately, I am prepared to escalate this complaint further with regulatory agencies. I expect a timely response and a fair resolution. Sincerely, 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 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I received a spoof telephone call from my number, pretending to be my bank, which is XXXX XXXX and they were telling m I had suspicious activity happening with my card in another state. They now have my ssn, my dob, and they had me withdraw money to a XXXX XXXX XXXX account with a debit card ending in XXXX. The transfer a mint was XXXX, but with cash appctakng a fee it to they got XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: OH

Complaint narrative:
I have achieved over 120 months of working on a qualified plan and applied for buyback in XXXX of XXXX. Every time I ask they say it is escalated but there is no where to track it and no one to talk to about it. It originally said 45 days and I am still waiting. I am about to be taken out of save forbearance and put on a new plan that I absolutely can not afford, all while I have no answers about the status of my buyback.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is a debt collection from XXXX XXXX XXXX that appeared on my credit report in XX/XX/XXXX with the original company owed being XXXX. I disputed the debt with the credit bureaus and after investigation, it was removed from my credit report. However, Experian failed to remove it claiming that the debt was legit. I resubmitted a dispute advising Experian that I have NEVER done business with XXXX . Yet, after a so called reinvestigation, I received a notification on XX/XX/XXXX that the debt would remain on my credit report. Please remove the debt as soon as possible from my credit report since it is NOT mine

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 2026-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MORTGAGE SOLUTIONS OF COLORADO
State: IL

Complaint narrative:
I submitted a Qualified Written Request ( QWR ) and Notice of Error pursuant to the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 260Complaint Against Mortgage Solutions Financial ( MSF Servicing ) 5 ( e ), requesting complete servicing records and an accounting of my mortgage loan. The servicer, Mortgage Solutions Financial ( MSF Servicing ), issued a response dated XX/XX/year>, and a follow-up dated XX/XX/year>. These responses are materially deficient and fail to comply with federal law. Specific Violations : MSF Servicing failed to provide : A complete life-of-loan transactional history Itemized accounting of all payments, interest, escrow, and fees Documentation supporting fees assessed Reconciliation of the unpaid principal balance Identification of the system of record used to maintain the loan Identification of the owner, custodian, and complete chain of servicing Identify the specific servicing platform or system of record used to maintain this loan ( e.g., MSP, Black Knight , etc . ), and produce the native transactional export from that system. Instead, MSF provided generic documents such as a Closing Disclosure and amortization schedule, which do not satisfy RESPA obligations. Legal Violations : 12 U.S.C. 2605 ( e ) Failure to adequately respond to QWR 12 C.F.R. 1024.36 Failure to provide requested servicing information 12 C.F.R. 1024.35 Failure to properly investigate and respond to Notice of Error

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: DC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Chime regarding the handling of my account and the inaccurate reporting of information to my creditors. Chime closed my account without properly disclosing the truth about the closure to my creditors. Instead, they misrepresented the status of my account by indicating that it remained open. This misinformation has caused confusion and potential harm to my financial standing. Additionally, Chime failed to accurately report that the loans associated with my account had been paid off. Despite my obligations being satisfied, this critical information was not properly communicated, which may negatively impact my credit profile and financial reputation. I believe these actions constitute a failure to provide accurate and transparent information, and potentially violate consumer protection standards. I respectfully request that this matter be investigated. I would like Chime to correct all inaccurate reporting, notify any affected creditors of the true status of my account and loans, and provide me with documentation confirming these corrections. Please let me know if any further information or documentation is needed to support my complaint. Chime closed my account and failed disclose the truth about the account being closed to my creditors and falsified a story that it was open. They also failed to disclose the loans associated with me account was paid off. My account was closed and they failed to disclose this. My loan was paid and they failed to disclose this. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I am submitting this letter as a Notice of Error under the Real Estate Settlement Procedures Act ( RESPA ), 12 CFR 1024.38 ) I believe an error has occurred in the servicing of my mortgage loan. Specifically : The Social Security Number associated with my loan is incorrect. When I contacted your customer service team on to set up my account, I was told that the SSN on file does not match my identity and therefore I could not access or verify my loan information. Because of this error, I can not access my online account, view statements, or confirm payment details. I have tried twice and spoke to 2 different agents. I have been charged an incorrect payment amount, and I can not verify the basis for this change due to the access issue described above. These issues constitute servicing errors under RESPA, including but not limited to : Failure to maintain accurate information ( 12 CFR 1024.38 ) Failure to provide access to account information Failure to properly apply or calculate payments

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 2026-04-02 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: TX

Complaint narrative:
My balance IS negative because the {$160.00} with XXXX XXXX resulting from a dispute were reversed Which is a payment that i do not authorize A atm withdrawal of XXXX on XX/XX/XXXX that I didn't authorize and they gon na tell me that it was reversed after they had already gave me the back in my favor A payment on XX/XX/XXXX at XXXX of XXXX where they said my card was locked and it wasn't I never got that money Also some payments from smart communications that I didn't authorize in different payments of XXXX Around XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NJ

Complaint narrative:
We are filing a complaint regarding KeyBanks handling of a {$26000.00} transaction debited from our account on or about XX/XX/year>, labeled SYNCHRONY BANK MTOT DEP. This transaction was initially treated as unauthorized, and we promptly notified KeyBank and initiated a dispute. On XX/XX/year>, KeyBank issued a determination stating that no error has occurred and that the transaction was authorized. The only explanation provided was that they identified conflicting information, with no supporting documentation or evidence. Following this determination, we contacted XXXX XXXX directly and obtained additional, critical information. XXXX confirmed that this transaction was the result of a customer dispute ( chargeback ), and that the funds were reversed accordingly. However, we were not provided any meaningful opportunity to respond to or defend the chargeback prior to the funds being removed. The dispute notification was sent exclusively through XXXX internal portal, which we have not actively used in over a year. We did not receive any email, phone call, or other direct notification of the dispute. As a result, we were unaware of the claim and unable to respond within the required timeframe. This is not a typical unauthorized transaction, but rather a chargeback that was processed without proper notice, depriving us of the opportunity to defend the transaction. Given the material size of the transaction, reliance on a dormant portal without any additional notification is unreasonable and resulted in a preventable loss. KeyBanks conclusion that the transaction was authorized fails to address these facts and appears to be based on an incomplete or insufficient investigation. Additionally, KeyBank has not provided any documentation or evidence supporting its determination despite our request. Requested Resolution : Immediate reimbursement of the {$26000.00} withdrawn from our account A full and transparent explanation of the basis for KeyBanks determination, including all supporting documentation Clarification of what investigation was conducted and whether the chargeback context was considered

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: TX

Complaint narrative:
XX/XX/year> : Avant automatically deducted {$2400.00} without automated payment setup or my authorization for a statement balance. XX/XX/year> : Avant automatically deducted {$2100.00} without automated payment setup or my authorization for a statement balance. XX/XX/year> : I emailed Avant customer service to correct the unacceptable issues. Email Sent To : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
So I open a PayPal account so I can have my money sent from my streaming to PayPal because thats the only form of payment they use so when my money got deposited to PayPal they held it and ask for more information I sent everything after that it said XXXX business day it would clear I let XXXX days go by called them asked what was going on the guy said because I just opened a account and had money put in it made it look suspicious which I dont know how because the company always use PayPal so all of sudden they just blocked my account so I couldnt get my money telling me they have to hold my funds for XXXX days but there stealing the money they want you to forget it about XXXX dollars this the second time PayPal has done this to me in my life its a lot of people who have told me theyve had the same problems

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I want all the overdraft fees and late fees Bank of America charged me for years

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 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Lendbuzz Inc.
State: NY

Complaint narrative:
I ask for more time to make a payment and them take the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Albert Corporation
State: IL

Complaint narrative:
I made an account with the Albert app recently in XX/XX/year> to try and get a cash advance, although I wasnt able to get the advance I kept the app. A couple days after I decided to keep it they transferred {$8.00} from my bank account claiming its for savings because my saving mode was on so i decided to turn it off since this was unexpected and I didnt want it to happen again. I waited out until I could withdraw my savings from the Albert app back to my bank which ended up being {$5.00} because the other XXXX was placed into my Albert investing portfolio by the Albert app. I tried closing my account permanently so I didnt have to deal with this again but they wouldnt let me because of the {$2.00} remaining balance and said I had to wait for it to fully process on my Albert app in order to withdraw back to bank. This went on for a couple weeks and fast forward they make an unauthorized transaction and take {$19.00} from my bank for a subscription I never used nor was aware of having because I never agreed to. I tried reaching out to the Albert app team I requested a refund and explained this but they dont want to help nor refund and I fear they will keep charging my bank randomly like they do to others with random amounts. If anyone could be so kind to help it would be much appreciated thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime is constantly allowing ghost charges to take money out my account and when calling they don't acknowledge any of their mistakes and refuse to make things right, and continue to allow more charges to go through. This is terrible and I'm boycotting chime after a call and wish to pursue a small claims Suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
{$960.00} XX/XX/XXXX and it was deleted off my credit and then it came back and I asked a debt letter and didnt receive one only that the debt came back on my credit as of XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief