vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hello, I consolidated my student loans from XXXX XXXX to Nelnet a couple of years ago. For the longest time ( during Covid and beyond ) I could not get through to them via phone. 
I went through bankruptcy in XXXX that happened to to the death of my spouse and the loss of a job ( both in XXXX ). I just came out of that, and now the student loan folks want me to pay about {$600.00} per month in IBR! It may as well be $ XXXX per month! I am a XXXX woman who is still working full time ( and always will be ). I live alone in expensive XXXX XXXX ( so I can remain near my sons ). Despite my XXXX, I have never made enough money to pay back these loans. Somebody in academia or with the loan company should have counseled me that the XXXX was not going to make that much difference. For some people it just doesn't make that much difference. At my age, I am perceived as not having the right stuff to qualify for a 6-figure income- which is what I would need to come up with an incremental {$600.00} per month. 

I am now petrified that they will garnish my wages. What can I do? I don't want to not pay anything, but {$600.00} per month is out of the question. I am at the end of the line here and things are feeling dicey. Please let me know some tips. Are there any student loan counselors out there that I might leverage? Thanks. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: KS

Complaint narrative:
To Whom It May Concern, I am writing in response to your reporting and/or attempt to collect on an alleged debt associated with a rent recovery account. I dispute the validity of this debt and am requesting full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide the following documentation to substantiate this debt : 1. Proof that I am legally obligated to pay the alleged debt, including a copy of the original lease agreement bearing my signature.

2. An itemized accounting of the amount claimed, including any fees, penalties, or charges added.

3. Documentation showing that you have the legal right to collect this debt, including assignment or ownership of the account.

4. The name and address of the original creditor.

5. Proof that the debt has not been satisfied, discharged, or otherwise resolved.

Until such validation is provided, you must cease all collection activity, including reporting or continuing to report this account to any consumer reporting agencies. If you are unable to provide the requested validation, I request that this account be promptly deleted from my credit reports and that I receive written confirmation of such deletion. 

This letter is not an acknowledgment of liability, nor is it a promise to pay. It is a formal request for validation of the alleged debt. 

Please respond in writing within the time frame required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XX/XX/year>

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year> I attempted to send one of my two Cash App accounts {$800.00} for my bills due this week as I have two accounts one for spending and one for paying bills. They reached out to me via email the same day telling me to respond to an email about jurisdictions and who and why I sent the money and I did promptly. I have yet to receive my money back and it has remained pending since XX/XX/year>. I just want my money back and I in no way have any contact of business with XXXX as they state and I risk losing my home and my safety due to this issue. I have a XXXX XXXX XXXX son who Im currently struggling to feed because of this issue. Please get back to me promptly. 
Transaction number is # XXXX As I explained to cash app XXXX is my landlords nickname or last name Im not entirely sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: OK

Complaint narrative:
I kept getting notified that my account " needs assistance '' but every time I reached out to the company, I was told that my account was current and no actions were needed. I was told this repeatedly, but after my credit score dropped, I asked them to actually make sure they've been checking the right account. After that, they told me my account was ACTUALLY XXXX  days past due and they were just misleading me for months. They have since stopped responding to my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I am filing a formal complaint against American Honda Finance ( account XXXX ) for violations of my consumer rights under both Federal and New Jersey State law. American Honda Finance failed to provide me with the opportunity to opt-out before sharing my personally identifiable financial information with third parties, including other financial institutions and consumer reporting agencies. This action violates my rights under the federal Gramm-Leach-Bliley Act ( GLBA ) and is in contravention of the protections afforded by the New Jersey Consumer Fraud Act ( NJCFA ) and the New Jersey Identity Theft Prevention Act. Despite my explicit notification to American Honda Finance that I did not consent to them sharing my private information, they responded that they had the right to share my personally identifiable financial information as per their Privacy Policy and Privacy Notice. However, this policy contradicts the GLBA 's requirements and New Jersey 's state laws, particularly the New Jersey Identity Theft Prevention Act, which mandates stringent protections for personal information. Furthermore, American Honda Finance is listed as the " current creditor '' on this account, a financial institution with which I have never signed any contract, nor have I given American Honda Finance permission to share or sell my nonpublic personal information. My requests for a full accounting from American Honda Finance, aimed at clarifying the true funding source of the account and the accurate amount owing, have been ignored. American Honda Finance 's actions also contravene the New Jersey Consumer Fraud Act ( NJCFA ) by sending mail to an inconvenient address despite my explicit directions to the contrary, which constitutes an invasion of privacy and potentially deceptive practices. The sharing of my personally identifiable financial information without my consent constitutes identity theft under 15 USC 1681a ( q ) ( 3 ), an act of fraud committed using my identifying information. This practice is actionable under both federal law and the New Jersey Identity Theft Prevention Act. Moreover, any contracts, including the Promissory Note that aim to commit fraud or violate laws, are void under the principle that New Jersey law does not allow contracts to exempt parties from responsibility for fraud, willful injury, or law violations. Given these violations of the NJCFA, New Jersey Identity Theft Prevention Act, TILA, and federal laws, I assert that the contract/Promissory Note is void and unenforceable, and I seek damages for these breaches of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
The Bank of America has now charged my card three times in three days for a single credit card bill that I paid in full, while my account through them says that the first charge paid the bill. I had my bank cancel the second charge, and received notice from the Bank of America that they are going to continue to try my account as it was cancelled. I reached out to them to clear this up, and the chatbot gave me a phone number to call that was inactive, preventing me from reaching them.

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 2026-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
I have never had XXXX, this was opened fraudulently and i tried to get this removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/year> - Initiated wire from my XXXX XXXX account to XXXX Bank ( XXXX XXXX ). JPMorgan was used as intermediary. Fed XXXX. No. : XXXX Funds never arrived XX/XX/year> - XXXX XXXXnitiated trace. JPMorgan said funds returned. XXXX never received XX/XX/year> - XXXX sent requests for return of funds ( XXXX total ), JPMorgan never responded. 

XX/XX/year> - XXXX  initiated another trace and fund request. 

XX/XX/year> - No funds nor information. JPMorgan has been non-responsive. 

XXXX Bank refuses to initiate communication from their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Citibank business checking account was closed in XX/XX/year>. At the time of closure, my final statement showed a remaining balance of {$58000.00}. 

Citibank informed me in writing that this amount would be returned to me by check within XXXX days. The check was never sent. 

I visited Citibank branches multiple times, and managers confirmed they could see the {$58000.00} balance in the system. I was later told by Citibank to wait up to XXXX days for the funds to be released, but no payment was made. 

Citibank has not provided a valid written explanation for withholding my remaining balance, nor has it fulfilled its obligation to return my funds after closing my account.

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 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
PayPal closed my account permanently and I emailed them and they said that it was permanently. I do tarot card reading and future readings

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Me and my wife went into a local truest bank branch and we opened up a XXXX checking account and savings account on XXXX we gave them a total of {$100.00} {$50.00} for checking {$50.00} for savings to get the account established to their terms and conditions on account opening everything was fine we set up our online banking everything was fine the day after we tried to log into our online banking they said that our accounts were locked in for us to call to get the issue fixed we called spoke to the fraud department they said that our account was up for review even though we have not received our debit cards nor anything nor have we even did any transactions outside of the deposits now they're withholding our money claiming that it's under review for fraud where is the fraud we gave them Cash there's no risk of loss to the bank we gave them us hard currency which they verified and put the money into our accounts there is no justifiable reason to withhold my money

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, XXXX XXXX. XXXX ( b ) of the FDCPA requires debt XXXX to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
CFPB Complaint Narrative XXXX  ( PayPal XXXX XXXX ) Company : XXXX ( a PayPal, XXXX service ) Issue : Dispute handling, denial of escalation rights, failure to investigate, Regulation XXXX violations Product : Digital wallet / XXXX payments Consumer Location : United States XXXX XXXX XXXX violated my rights under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX by refusing to allow me to escalate timely disputes to formal claims, denying me the opportunity to submit supporting documentation, and then denying every dispute without conducting a reasonable investigationdespite the fact that identical transactions were previously resolved in my favor by PayPal, XXXX parent company. 

Detailed Explanation I initiated disputes with XXXX  regarding unauthorized and/or improper digital transactions. On day XXXX of the dispute period, I contacted XXXX customer support specifically to escalate my disputes to formal claims, which I was entitled to do within the required timeframe under Regulation XXXX. 

XXXX  representatives refused to allow escalation, falsely stating that escalation was unavailable, and blocked me from submitting any supporting documentation or evidence. As a result, XXXX denied every dispute without reviewing evidence or allowing me to be heard. 

This conduct is particularly concerning because PayPal previously approved an identical dispute in my favor involving the same type of transactions, same factual circumstances, and same merchants/apps. XXXX  nevertheless denied all subsequent identical disputes without explanation or reconciliation, demonstrating inconsistent adjudication and arbitrary decision-making. 

XXXX Violations XXXX actions appear to violate the following : XXXX CFR XXXX ( b ) & ( c ) Failure to properly investigate an alleged error after receiving timely notice. 
XXXX CFR XXXX ( d ) Failure to conduct a reasonable investigation and provide a valid explanation for denial. 
XXXX ( XXXX XXXX. XXXX ) Denial of consumer rights to error resolution. 
Unfair, Deceptive, or Abusive Acts or Practices ( XXXX ) Misrepresenting dispute escalation rights, blocking evidence submission, and issuing blanket denials. 

XXXX refusal to accept documentation and refusal to escalate the disputes effectively prejudged the outcome, rendering the investigation meaningless and non-compliant with federal law. 

Harm to Consumer Denial of statutory dispute and investigation rights Procedural obstruction and inconsistent treatment compared to PayPal Emotional and financial distress caused by arbitrary denials

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I had a XXXX XXXXXXXX XXXX leased through Santander Consumer USA and since day one I never knew what the current payment due was/is. When I log in to santanderconsumerusa.com I get a popup message saying that the account is past due for " -- '' amount ( literally two dashes instead of amount. 
My account overview shows that the current amount due is " -- '' so whoever knows. 
I initially opted in for electronic statements but never received a single statement sent to my email so I eventually opted out of e-delivery but Santander again opted me in without my consent. 
Couple days ago my account showed {$2100.00} as the amount due - no statement, no bill, no mail, no email, no notification WHATSOEVER. 
I have no idea what this charge was for and still don't know. 
The car I mentioned was turned in back in XXXX and about three weeks ago I got a mail from " XXXX XXXX '' that I should return my car immediately or it will be reposessed ( where does the XXXX XXXX comes into play? my lease is with Santander ... ) - that was since resolved and apparently now they are aware of the car being " grounded ''. Seems to me like everything at Santander is a big mess and it's almost impossible to get a straight answer from anyone over there. Their customer service is not knowledgeable and all they can do is provide a phone number to a different department to try to resolve any issue. 
The way they handle the lease, that they do not send the statements, that no information can be found on the consumer portal... I have no idea how they get by and how anyone allows them to function as a financial institution. 

Long story short, the amount due is " -- '' and the account is always past due for that amount. No statements, no final bill, no easy access to information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I am filing a complaint against Goldman Sachs Bank USA regarding serious failures in fraud detection, account security, and dispute handling related to my Apple Card account. 

I authorized a legitimate recurring monthly charge of {$190.00} for a lead service and set up autopay for one charge per month. After approximately three months, I canceled the service. There was no contract, and the service could be canceled at any time. 

After cancellation, the merchant charged my Apple Card XXXX separate times for {$190.00} each within a one-hour period. Despite this highly unusual and obvious pattern, Goldman Sachs did not flag, block, or stop the charges for suspicious activity. 

After repeated calls and complaints, Goldman Sachs eventually reversed the charges. However, two months later, the exact same merchant submitted the same pattern of charges again, and Goldman Sachs once again allowed them to post to my account. I was forced to restart the entire dispute process from the beginning. 

Even more concerning, Goldman Sachs did not reference or acknowledge that these same charges had previously been identified as fraudulent and refunded. At no point were safeguards put in place to prevent repeat occurrences. 

Throughout this process, customer service treated me as though I was at fault and required to repeatedly prove my innocence rather than proactively protecting my account. The lack of fraud monitoring, failure to block repeat fraudulent charges, and poor dispute handling demonstrate inadequate consumer protections. 

I believe Goldman Sachs failed to meet its obligations under fair credit billing and fraud protection standards. I am requesting that the CFPB review this matter and require Goldman Sachs to explain : Why these charges were not flagged or blocked as suspicious Why identical fraudulent charges were allowed again after prior refunds What corrective measures will be implemented to prevent this from happening again This experience has severely undermined my confidence in Goldman Sachs ability to protect consumers.

Company response to consumer: Closed with explanation