vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: CT

Complaint narrative:
In XXXX, my federal student loan account was reported as 90 days past due to the consumer reporting agencies. I take full responsibility for this and am not disputing that it occurred. Since then, I have brought my account fully current and have maintained six consecutive months of on-time payments. I contacted Nelnet directly in XX/XX/XXXX to kindly request a one-time goodwill adjustment and was advised to file a dispute through the credit bureaus instead. I understand that a dispute is intended for inaccurately reported information, and since my late payment was reported accurately, I did not feel that was the appropriate path. I am simply asking that Nelnet review my account and consider removing the delinquency as a one-time courtesy. This mark is currently preventing me from securing housing and refinancing my vehicle, both of which are essential to my financial stability. I am not looking for conflict I just ask that someone with the authority to review individual cases consider my situation and my demonstrated commitment to repayment. I appreciate any assistance you can provide

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I sent a certified written cease-contact letter regarding a debt LVNV Funding LLC claims to own. Despite that notice, XXXX XXXX XXXX continued to contact me by email. On XX/XX/year>, XXXX emailed me from XXXX stating, XXXX XXXX XXXX, XXXX is a debt collector. We are trying to collect a debt that you owe to LVNV Funding LLC, and providing an alleged balance of {$1300.00}. The email also directed me to dispute the debt, request creditor information, and review payment options. XXXX then sent additional email communications from a different domain, including XXXX, after my cease-contact notice. Those later emails again discussed the account, offered payment options, referenced LVNVs tradeline deletion policy, and stated that XXXX could help only while we still have this account assigned to us. I believe these communications were sent after XXXX and/or LVNV had notice to stop contacting me and therefore may violate the FDCPA, including 15 U.S.C. 1692c ( c ), and may also constitute false, misleading, or deceptive collection conduct under 15 U.S.C. 1692e. Comparable conduct may also violate Californias Rosenthal Fair Debt Collection Practices Act, Cal. Civ. Code 1788.17.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliant Capital Management LLC
State: MO

Complaint narrative:
The collection Company Alliant Capital is repeatingly calling multiple times a day, even if we are at work. They have contacted almost all family members, and shared debt information. They have also sent debt mail to his moms address. Someone who was never listed to be contacted. I have repeatedly asked to have communication only be through mail and they yell over me and hang up saying they can call anyone they want to whenever they want to. I asked for a debt validation letter on XXXX and they have yet to send anything and did not respond to my reasoning. We have no reason to believe this debt is valid, or accurate, or legal and we want it removed from our report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Unauthorized Direct Debit Changes - This is the 3rd or 4th time. Issue : A company is repeatedly changing my direct debit information without my authorization and then reporting nonpayment when the unauthorized changes cause the payment to fail. This is improper under the Electronic Fund Transfer Act ( EFTA ) and the Fair Credit Reporting Act ( FCRA ). What happened : My payment method was changed multiple times without my consent. I did not authorize these changes. Because the company altered my direct debit information, the payment attempts failed. Instead of correcting the issue, the company reported nonpayment to the credit bureaus. This has caused me several late fees. A company can not change a consumers payment method without written authorization, and they can not report nonpayment when their own unauthorized changes caused the failure. I just made changes per this writing back to direct debit. Someone/or something keeps making changes, then I will incur a late fee. I have complained about this several times. What I want : A fair resolution is for the company to : Stop all unauthorized changes to my direct debit Remove all negative reporting caused by these unauthorized changes. Provide documentation showing how and why the payment method was altered Correct my credit reports and provide written confirmation This situation resulted from unauthorized activity, not from any failure on my part.

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 2026-05-05 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: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
I have 2 credit cards that were opened in my name that I was not aware of and now they have gone to a collection agency that is suing me for the balance. XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I called and reported my Citi card stolen more than a month before they accepted a charge from XXXX XXXX of {$780.00} on XX/XX/year>. The merchant used the cancelled card number which they had on file from the prior months. My problem is with XXXX XXXX, not the merchant. They have been billing me this amount, when as per the Truth In Lending Act states that they can not do so, and the maximum I am responsible for is {$50.00}. I put in a dispute and received a temporary credit for the full amount., when they decided against me they reversed the temporary credit. When they initially reversed the charge, they also reduced my credit line to only the amount owed. So when they reversed the temporary credit, they reported that I went over my credit limit. Which I did not, and have not even used the new card they sent me. It went over the limit due to their lowering my credit, and then recharging me {$780.00} on the stolen card. The merchant only had the old stolen card on file, not the new card I was issued as a replacement. I have tried two times to verify when the card was reported stolen, and both times they lied and said it was on XX/XX/XXXX ( I can verify it was at least 30 days prior )

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 2026-05-05 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/year> Synchrony/CareCredit overdrafted my account with interest charged in a lump sum of {$270.00} which triggered an overdraft of - {$270.00}. They, when I called and used the online chat, could not explain the overdraft because they DID NOT EVEN SEE the {$270.00} on their side. Yet they saw the overdraft- {$270.00}! [?! ] Interest rates are included in the monthly fee. This was confirmed by the customer service agent I complained to. I believe this lump sum interest charge is criminal and happening on their end. They ruined my credit as a result -- -- yet they can not explain the charges! I was promised contact by a supervisor via case escalation and no one got back to me. I requested to leave the account open until this is resolved or at least explained, yet they closed it arbitrarily against what I was promised. ! > Incidentally this {$270.00} charge is almost identical to my current weekly pay on unemployment. <! Very telling. I lost my job of five years due to a devastating illness I've been suffering for over a year long. Synchrony Banking appears to be engaging in fraud on both my accounts with them... I told them to keep record of my contact with customer service regarding this issue. I was given a case, but had to demand it from the agent. It was not given like usually is the XXXX. Case # XXXX. I will be waging a separate complaint about my PayPal account under them. They arbitrarily kept switching my fee payments from my Bank CC and checking account to my savings account for no apparent reason. This was causing insufficient funds overdrafts on my accounts -- -! I never authorized any payments from my savings account -- -EVER! This is only authorized from my understanding, if the funds are not in the checking account. The funds were ALWAYS covered by my checking account! When I complained to PayPal and the money cleared from my checking account ( as was supposed to happen in the first place ) -- -THEY REFUNDED IT BACK! [? ]. Until the last six months, I've gone years with Synchrony Banking credit cards without issue. This is malfeasance from the inside -- I suspect criminal, and I must be made whole. This is a harrowing experience when all I've done amidst personal economic hard times is pay my fees on time consistently for many years. This company has single-handedly destroyed my credit score in spite of this. Yet, they have no reason to explain to me why. If this is due to honest error on their end, I the customer have not been informed and have taken all the hits regardless. Someone within the company is doing this to me and perhaps many others. This is targeted via both of my Synchrony CC accounts.

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 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet has used my information to share with other people. They have a lawsuit now because they did breach contract for thousands of borrowers and Im included in that lawsuit. I would like the XXXX and XXXX I owe to be removed from all credit reporting agencies. And its also falls under the 7 years mark for it to be removed as old items on my credit. I would like this to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
ACCOUNT HAS BEEN CLOSED LONGER THAN SEVEN YEARS AND SHOWS NEGATIVE

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 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I have a payment plan with Halstead financial for a debt owed to XXXX XXXX. The settlement accepted was {$820.00}. I have paid {$500.00} so far, with a remaining balance of {$320.00}. However, the payment schedule that Halstead set up has 6 remaining payments scheduled to automatically debt from my account monthly. The remaining schedule exceeds the amount owed. Their schedule would take {$430.00} from my account. I sent an email to Halstead to keep correspondence in writing. However, Halstead has not responded to my email or more importantly corrected the payment schedule so that it reflects the correct amount due which is {$320.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Trust account accessed by unauthorized user or users after the death of my father. The bank is claiming that nothing fraudulent occurred despite it being emptied by someone other than my father who had passed at the time of the transfer and myself. I regret to say that I think Wells Fargo is covering up their tracks because this account is under only two people names. None of which accessed account. Wells Fargo didn't do anything different during their reevaluation process than they did the first time. A trust account was emptied, and the only two people allowed access is the beneficiary and the deceased. Account was accessed and emptied by someone other than those two parties. Wells Fargo said this was a civil issue and that nothing fraudulent occurred. Again, money was transferred 4 days after the death of my father and transferred to another account which was then emptied and closed out. Wells Fargo wouldn't even provide any information on who transferred the money to have a civil case against or were in any way helpful in getting a resolution other than they had no responsibility or interests in the matter.

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 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MortgagePros, LLC
State: GA

Complaint narrative:
Three months ago I submitted a request for information on refinancing a mortgage on XXXX XXXX. After submitting my request I was immediately inundated with harassing phone calls. Event though most have stopped. The lender called Mortgage Pros continues to harass me with dozens of calls per day from different numbers. Is this something the CFPB can stop Mortgage Pros in Harassing me. Please help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, I authorized a balance transfer through XXXX from my Wells Fargo account. On XX/XX/XXXX, the balance transfer posted, and on the same day Wells Fargo withdrew funds from my external bank account, resulting in a duplicate payment. On XX/XX/XXXX, I contacted Wells Fargo to request a refund. The representative closed my account without my consent and issued a refund check. The check was never delivered and was later returned to Wells Fargo. From late XXXX through XXXX, I made multiple follow-up calls. Each time, I was told to wait 710 business days for processing, but no refund was issued. On XX/XX/XXXX, Wells Fargo confirmed they had the returned check and stated that a replacement check could not be issued unless I completed an affidavit form. However, during a branch visit the same day, I was told the issue had been resolved and that a new check would be mailed without requiring an affidavit. No check was received. In early XXXX, instead of a replacement check, I received an affidavit form. On XX/XX/XXXX, I was advised at a branch to open a checking account so the refund could be deposited directly within 2 business days. I opened the account based on this representation and was told no fees would be charged if it was used solely for this purpose. No deposit was made. On XX/XX/XXXX, a case manager stated that the affidavit form was the only remaining requirement. That same day, I completed, notarized, and submitted the affidavit through a branch. Despite this, on XX/XX/XXXX I was told the status was still under review and receipt of the affidavit could not be confirmed. On XX/XX/XXXX, I received another affidavit form in the mail, even though one had already been submitted. On XX/XX/XXXX, I was told the affidavit had been received but the refund was still pending with another department, with no timeline provided. Throughout this process, I received repeated and conflicting instructions from different representatives, and multiple promised callbacks were not fulfilled. The refund amount of {$1000.00} has now been delayed for over two months. I am requesting that Wells Fargo immediately process the refund via direct deposit and confirm that no fees will be charged on the checking account that was opened solely to receive this refund.

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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am filing a complaint regarding my RV loan for a XXXX XXXX XXXX. The vehicle has been in the possession of XXXX XXXX since XX/XX/year> due to an unresolved leak and has not been returned to me. I have therefore been without possession or use of the collateral for nearly three years. Despite this, I have continued making monthly payments of approximately {$1000.00} and maintaining insurance coverage, creating a significant financial burden for a vehicle I can not access or use. I have contacted the lender multiple times requesting assistance, but I have been told there is nothing they can do and that I must work with the dealer. The lender has refused to acknowledge this as a collateral dispute or review my account for any relief options. I am requesting that this situation be formally recognized as a collateral dispute and loss-of-use issue, that my account be reviewed for appropriate relief ( including possible payment suspension or adjustment ), and that I receive a written explanation of the lenders position. This matter has gone unresolved for an unreasonable amount of time and is causing ongoing financial harm.

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 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CHERRY TECHNOLOGIES INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I entered into a financing agreement with Cherry Technologies Inc. for an unlimited tattoo removal package totaling {$5900.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX. I only received XXXX treatment. I made multiple attempts to schedule additional appointments, but the provider repeatedly cancelled my appointments, including cancellations due to equipment issues. I have documentation of these cancellations. In XX/XX/XXXX, the provider permanently closed, making it impossible for them to fulfill the remaining services under the agreement. I also attempted to request my medical records and documentation of services received, but the provider has been non-responsive. I filed a dispute with Cherry Technologies Inc., but it was denied due to insufficient documentation, despite providing evidence of cancellations and the providers closure. Because the provider failed to deliver the contracted services and is now permanently closed, I have not received the majority of what I paid for. Under the terms of my financing agreement, Cherry Technologies Inc. is subject to claims and defenses I have against the merchant. This is a failure to provide services, not a completed service agreement.

Company response to consumer: Closed with explanation