vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
I am filing a complaint regarding inconsistent and conflicting information provided by XXXX XXXX concerning a prepaid promotional card received after attending a required timeshare presentation. I first contacted XXXX XXXX at XXXX on or around XX/XX/year> regarding an approximately {$190.00} remaining balance on an expired prepaid card ( card ending in XXXX ). During that call, I was informed that although the card had expired, a reimbursement check could still be issued and mailed to me. After not receiving the check, I contacted XXXX XXXX again on or around XX/XX/year>. During that call, I was told that a check had already been issued in XXXX and that I should check my mailbox. I was also told that if it had not arrived, I should call back so another check could be issued. On a subsequent call on XX/XX/year>, I was informed for the first time that reimbursement was not available due to expiration and that no check should have been issued. The amount involved is approximately {$190.00}. All calls were made through the official customer service line, and my identity, card information, and address were verified during each interaction. My concern is the inconsistent and conflicting information provided by multiple representatives over a short period of time, which led me to reasonably believe that a reimbursement check had already been issued or would be reissued if not received. I am requesting review of the recorded calls and fair resolution regarding the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I pulled my credit profile upon getting report I noticed I had accounts that were not mine XXXX, dept of Education, Nelnet, XXXX XXXX XXXX etc were not authorized by me I have filed a ftc report and a dispute with all 3 bureaus about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
I answered an email or someone pretending to be part of my schools financial aid office and they took out a loan of {$5500.00} under my name which I did not authorize

Company response to consumer: Untimely response
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Bank of America and XXXX in connection with my XXXX XXXX XXXX and repeated failures to provide meaningful assistance, records, escalation, and access to funds necessary for my care and survival. I am a XXXX beneficiary of a XXXX XXXX XXXX that was established for my medical care, housing, disability support, and survival needs. Since approximately XX/XX/2025, I have repeatedly attempted to obtain help regarding access to trust funds, account records, trust administration, address updates, account management, and concerns involving unauthorized withdrawals and possible financial exploitation. The trust reportedly originally contained approximately {$180000.00}. By XX/XX/2025 the balance had reportedly decreased to approximately {$98000.00}, and the last statement I received reflected approximately {$44000.00} as of XX/XX/2025. I did not receive that statement until months later. Approximately {$21000.00} remains unaccounted for based on the records available to me. I repeatedly contacted Bank of America, XXXX, trust-related representatives, financial advisors, and associated parties requesting : * updated account statements and records, * a full accounting of transactions, * explanation of withdrawals and transfers, * help updating my address and communication information, * assistance accessing funds, * replacement or reassignment of financial advisor/trust contacts, * escalation regarding suspected financial exploitation and unauthorized withdrawals, * and guidance regarding my XXXX XXXX XXXX administration. Despite repeated requests, I did not receive meaningful assistance or a complete accounting. In at least one instance, I received what appeared to be a blank PDF in response to an escalation request rather than the requested records or information. During this same period, I was medically vulnerable, experiencing housing instability, and attempting to obtain medical care and survival resources while lacking meaningful access to the trust funds created for my protection and care. The lack of response and failure to escalate these concerns caused severe hardship and interfered with my ability to obtain housing, transportation, communication access, medical support, and basic necessities. I am requesting investigation into : * failure to provide records and accountings, * failure to meaningfully respond to beneficiary concerns, * failure to escalate suspected financial exploitation concerns involving a disabled/dependent adult, * failure to assist with account management and trust access, * and failure to provide clear information regarding transactions, withdrawals, and responsible parties connected to the trust.

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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMANSOL Intermediate Holdings, Inc.
State: FL

Complaint narrative:
I open a account without knowledge of a XXXX fee to open

Company response to consumer: Untimely response
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal debt has been charged off and they have received tax break and are still trying to collect a debt from me. Account # XXXX {$25000.00} Account # XXXX {$58000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and I was shocked by what I found. There are accounts and inquiries on here that I never opened and have no knowledge of. This is seriously affecting my ability to get approved for credit and its causing me a lot of stress. I need these accounts removed from my report immediately. Ive attached the specific items Im disputing that need to be removed immediately. Please look into this as soon as possible I am stressed!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I initially filed a complaint against this company and now they are calling and harassing me about a company that they have purchased a product from and now they are harassing me after I have repeatedly asked them for validation that I owe them this account now im receiving calls about this account when they didnt have any contact information now since this filing they are contacting me via phone im wanting monetary damages for harassment after this complaint I dont want any communication with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX cancelled my only available flight home due to a carrier mechanical issue. To return home for work, I booked an alternate flight using miles ( taxes/fees charged to my Amex XXXX card ), rented a car to reach a different departure airport, and incurred meal expenses. I filed a travel insurance claim under my Amex XXXX card benefits, administered by XXXX XXXX ( claim XXXX ). XXXX XXXX has denied my claim three times using contradictory reasoning that results in zero coverage for any carrier mechanical cancellation making the benefit illusory : Denial 1 : Denied under Trip Interruption because mechanical failure is not a listed covered cause. Denial 2 : When I appealed under Trip Delay ( where mechanical failure IS a covered cause ), they denied my transportation expenses as " Trip Interruption expenses, not Trip Delay expenses. '' Denial 3 : They upheld the denial, citing Trip Interruption clause # 2 which covers " additional transportation expenses to return to place of origin '' but refuse to pay it because the cause is mechanical failure. The result : covered cause ( Trip Delay ) + covered expense type ( Trip Interruption clause # 2 ) = no payment. American Express advertises this travel protection as a card benefit but has allowed its administrator to deny all claims of this type through circular logic.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am disputing a {$330.00} charge from 'XXXX XXXX XXXX ' ( Original Claim : # XXXX/ New Claim : # XXXX ). I paid for international shipping from the US to XXXX, but the service was NEVER fulfilled. XXXX returned the luggage to the sender within the US because it did not pass their internal security check. The items never left the country. I have contacted Wells Fargo multiple times. On XX/XX/XXXX, I opened a second claim and sent two follow-up emails with the XXXX tracking evidence showing 'Returned to Sender ', but the bank has completely ignored my emails and provided no response. Wells Fargo closed the case again in favor of the merchant, leaving my account with a negative balance. This is an abuse of power, as the merchant still has my money for a service they failed to provide. I am currently in XXXX and the bank 's refusal to acknowledge my digital evidence is making it impossible to resolve this

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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
2 American Express credit cards were opened up in my name. Have given plenty of information to them and still refusing to do anything about it. Spoke with Case handler who was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I have called Aidvantage many times inquiring about when the refund amount from the Borrowers Defense discharge would be processed. Every time I call I get the same answer that they don't know. Today, XX/XX/year>, I spoke with XXXX at Aidvantage, and again, she said it is still processing. I asked when it would be transmitted to the US Treasury and she couldn't tell me. At this point, I would like to place a formal complaint against Aidvantage citing unreasonable processing delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
I submitted a Borrower Defense application in XX/XX/XXXX regarding federal student loans connected to XXXX XXXX XXXX, as well as a separate discharge application in XX/XX/XXXX regarding loans connected to XXXX XXXX. Both schools were subject to widespread findings of institutional misconduct, deceptive practices, and predatory lending, and the related federal student loans were publicly identified for automatic discharge years ago. The XXXX loans should have been discharged as far back as XXXX under Department of Education relief actions involving XXXX borrowers. The XXXX XXXX loans were also supposed to be automatically discharged beginning in XX/XX/XXXX. Despite these public discharge actions and my submitted applications, my loans remain unresolved with no meaningful resolution provided. These prolonged delays have caused ongoing financial hardship, potential credit reporting harm, and have directly interfered with my ability to purchase a home. I am requesting an immediate manual review by a qualified employee, written clarification regarding the status of all pending discharge applications, correction of any improper credit reporting, and prompt processing of all discharge, cancellation, and refund relief for which I qualify under federal Borrower Defense and school discharge programs.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third sent notice that their online mortgage services would be unavailable XX/XX/XXXX - XX/XX/XXXX as they were going to update their online portals. I made my XXXX mortgage payments on XX/XX/XXXX to avoid issue. I started to receive phone calls and voicemails from Fifth Third Banking regarding my mortgage. I was unable to answer them until Sunday XX/XX/XXXX. The woman on the phone stated we were behind on our mortgage payments. I informed her we were not behind and we had submitted our XXXX mortgage payments. She began to ask for my bank account numbers and reference numbers for the payments made. I told her they should already have that information and that I would not provide any account information over the phone to someone who had called me and that could be a scam. She said she could not submit a missed payment complaint for us and we ended the call. On XX/XX/XXXX my husband called Fifth Thirds customer service line and was informed we would need to email screen shots of the confirmations of payment to XXXX within 24 hours and the situation would resolve in 5 - 6 days. I came home and submitted this email with screen shots the same day. I waited until XX/XX/XXXX to make my XXXX mortgage payment in the hopes the issue would resolve by then, it had not, and I submitted our XXXX payment on XX/XX/XXXX. On XX/XX/XXXX we noticed our XXXX payment I made on XX/XX/XXXX has not been taken from our XXXX XXXX account. I sent a follow up email to XXXX on XX/XX/XXXX with the original screen shots I sent to them on XX/XX/XXXX and requested they respond to my email to confirm they have received it. They did not respond. We called XXXX XXXX on XX/XX/XXXX and they told us the money should be withdrawn by XX/XX/XXXX and the payment had been approved. Upon logging in to XXXX XXXX today on XX/XX/XXXX the XX/XX/XXXX payment has not been withdrawn from our account. I logged on the Fifth Third which does say a payment was made on XX/XX/XXXX but still notes we are missing our XXXX payment and is now charging a Late Charge assessment for {$39.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
This is a complaint regarding an unexplained balance that appeared on my Nelnet account after I paid the full amount that was reported as due online. On XX/XX/year>, I submitted a payment in the amount of {$340.00} for the full balance displayed on my Nelnet account. The payment processed successfully. However, three days later, my account suddenly reflected an additional amount due of {$65.00}. There is no transparent accounting, billing breakdown, transaction history, or mathematical explanation from Nelnet showing how this amount was generated. No explanation for this charge has been provided or offered by Nelnet. The online balance at the time of payment indicated the account would be satisfied in full. No late fee or adjustment was disclosed beforehand. The {$65.00} was not tied to a returned payment. The last full balance payment on XX/XX/year> for {$340.00} was not cancelled or reversed. This lack of transparency is unacceptable and prevents me from verifying the validity of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/year> Midland Credit Management , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am responding to your recent communication regarding the alleged debt referenced above. Under my rights provided by the Fair Debt Collection Practices Act, I request validation of this debt. Please provide : The name and address of the original creditor The original account number A complete accounting of the amount claimed, including fees and interest Documentation showing that I am legally obligated to pay this debt Proof that Midland Credit Management has authority to collect this debt I also request that all future communication regarding this matter be in writing only. Until you provide the requested validation, I dispute this debt and request that collection activity cease. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On or around XX/XX/2026, PNC Bank first blocked my online access and when I contacted the customer service, they informed me that my account was under investigation. Since then, I have been unable to access my online banking. When I attempt to log in using my correct user ID and password, I receive a message directing me to contact customer service to regain access. I have contacted PNC multiple times but have not been given clear information about : why the account is restricted, whether the account is frozen or being closed, when the investigation will be completed, or how I can regain access to my funds and online banking if possible which is the best option I want, most times I still receive email of money sent to my XXXX or other update about my debit card been low on cash and etc when I cant even access the account I am requesting : A clear explanation of the restriction ot investigation, * Restoration of access if appropriate, * Information about the status of my funds, * And a written resolution timeline. This situation has been ongoing for couples of months now without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Halsted Financial Services, LLC.
State: KY

Complaint narrative:
XXXX XXXX XXXX, XXXX has sent this debt to two different debt collection agencies in the last few months. The current collector, Halstead Financial Services sent me collection emails today, on XX/XX/XXXX offering me a pay-off. The original debt is {$970.00} and they were offering me to pay only {$190.00}. I informed them that this debt was XXXX in my XXXX XXXX XXXX in XXXX and they made note of it in my account but this is exactly what the previous company told me 2 months ago when they also tried collecting on the debt. XXXX XXXX XXXX, XXXX is still the current debt holder that is having these companies reach out. They have been given 2 notices and I am ready to seek legal reprecussions at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TN

Complaint narrative:
Per complaint XXXX, company agreed to close accounts within office. As of XX/XX/year>, Acct # XXXX is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
I am a Robinhood XXXX XXXX cardholder. Two separate virtual cards, provisioned exclusively for individual merchants, were used in unauthorized transactions by the same fraudulent merchant ( " International Literacy, '' phone XXXX ) within a 48-hour window. Card 1 : {$14.00} unauthorized charge, XX/XX/year>. This virtual card was provisioned exclusively for a single dental insurance merchant and used nowhere else. Card 2 : {$18.00} unauthorized charge, XX/XX/year>. This virtual card was provisioned exclusively for a separate merchant ( XXXX ) and used nowhere else. Both cards were generated within the Robinhood app and consumed directly into the merchant 's payment flow. They were never stored in a browser, password manager, or any other system. No other cards -- physical or virtual -- have experienced any fraudulent activity. The pattern of two isolated virtual cards, provisioned for different merchants, compromised by the same fraudulent actor within 48 hours is consistent with a breach of Robinhood 's virtual card infrastructure rather than individual merchant or endpoint compromise. I have ruled out endpoint compromise based on EDR coverage on all devices and an unmodified iOS device with no unauthorized profiles or jailbreak. Both disputes have been filed and resolved. I reported the incident to Robinhood via their support channel on XX/XX/year> ( Case ID XXXX ). Robinhood 's response was an automated acknowledgment redirecting me to in-app chat with no indication the security concern was escalated. The issuing bank is XXXX XXXX XXXX. I am requesting the CFPB investigate whether Robinhood 's virtual card infrastructure has experienced an unreported breach affecting cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX SCRA Request XX/XX/XXXX SCRA Request XXXX XXXX SCRA Request XXXX XXXX SCRA Request XXXX XXXX SCRA Request XX/XX/XXXX : I was not sold a new car but a used one for full price.

Company response to consumer: Closed with explanation