vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Climb Credit Inc.
State: OK

Complaint narrative:
I am submitting a complaint regarding a loan issued through XXXX XXXX XXXX XXXX in connection with a vocational training program provided by XXXX XXXX XXXX XXXX XXXX. At the time of enrollment, the program was presented as a viable pathway toward employment, with representations that job leads and career support would be provided. However, after completing the program, the assistance provided consisted primarily of publicly available job listings and informal suggestions, requiring me to independently search for employment without meaningful placement support. Additionally, I initially expressed that I could not afford the required {$1000.00} deposit and intended to cancel the loan. Instead of allowing me to withdraw, I was encouraged to proceed by having the deposit amount added to the loan balance. This increased my financial obligation without improving the value or outcome of the program. Following completion, I was further encouraged to take on additional debt for extended training ( XXXX XXXX ), despite not securing employment from the initial program. This situation reflects unfair and potentially deceptive practices in connection with the loan, as the financing was directly tied to a program that did not deliver the level of support or outcomes that were reasonably implied during enrollment. Under the FTC Holder Rule, I am asserting my right to raise claims and defenses against the lender arising from the conduct of the school. I am requesting a review of this loan and a fair resolution, which may include reduction or cancellation of the associated balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Simple some of those credit card accept only ach payment and this is what I did and in my hand everything is right but for them showing that I paid late I sent them a proof of the date I submitted the payment and is no late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am being charged too much interest on this loan! An explanation as to why the ratio of Principal to Interest varies widely each month. I will provide or upload PDF 's of my complete loan history dating back to XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I am not aware of this debt requesting verification of ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Research Inc
State: NY

Complaint narrative:
I report identity theft by Century Research Inc. My personal information was used without consent, likely tied to a data breach ( 15 U.S.C. 1681 ; 18 U.S.C. 1028 ). Please investigate and take appropriate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am submitting this complaint regarding private student loans serviced by Navient related to my attendance at the XXXX XXXX of Washington. I enrolled based on representations made by the school during the admissions and recruitment process. I was not given adequate time or accessible support to fully understand the financial obligations I was entering into. As a XXXX XXXX, I did not receive appropriate accommodations such as an XXXX interpreter during key enrollment and financial discussions, which significantly limited my ability to make an informed decision. I was led to believe that the program would provide meaningful career opportunities and value, which did not occur. The XXXX I received did not lead to stable or sustainable employment in my field, despite taking on substantial private student loan debt. I submitted a XXXX XXXX XXXX application to Navient outlining deceptive recruitment practices, lack of accessibility accommodations, and the resulting harm. Navient denied my application using generic denial codes ( 17 ), claiming insufficient evidence across all categories without providing a meaningful or individualized explanation. I believe this denial was not a fair or thorough evaluation of my claim. The decision failed to consider the impact of the schools conduct on my ability to make an informed decision and the harm that resulted. My loans are now in collections, causing ongoing financial hardship. I previously received a Total and XXXX XXXX XXXX for my federal student loans, further demonstrating the long-term impact these circumstances have had on my financial stability. I am seeking assistance because Navient has not adequately addressed or investigated my claim of school misconduct and continues to hold me responsible for debt incurred under misleading and harmful conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Valor Intelligent Processing, LLC
State: FL

Complaint narrative:
I received a letter from VALOR INTELLIGENT PROCESSING LLC action on behalf of XXXX regarding the charges assessed to my wife 's and my personal accounts. I have been a long-standing XXXX customer with automatic replenishment properly configured through my debit card. Without my knowledge or any further notification, XXXX allegedly claims to have attempted to process payments using my debit card on file which according to them was declined despite having all sorts of alerts with my bank, even automatic fund transfer if the balance in the card has insufitient funds to process any charges from any collector. This is a service provided by our long standing bank XXXX XXXX and it's not discriminatory in any way. Despite the seriousness of the situation, XXXX failed to provide any form of notice regarding : Failed payment attempts Account suspension or cancellation Conversion to Pay-By-Plate billing at significantly higher rates As a result of this failure, my account was canceled without my knowledge, and tolls accumulated at inflated rates for months. I continued using toll roads in good faith, with the reasonable expectation that my account remained active. This represents a clear breakdown in basic notification obligations and constitutes unfair and unreasonable billing practices. The financial impact has been substantial, particularly given that toll access is essential for daily entry and exit from my residence and involves multiple vehicles in my household. Accordingly, I formally requested collector and creditor companies ( with no response despite my second notice ) : A full account audit and penalty review Immediate waiver of all administrative fees, penalties, and Pay-By-Plate surcharges Recalculation of all charges at standard XXXX toll rates Immediate recall of the account from collections Restoration of my account in good standing I have also share a copy of my complaint to other authorities such as : XXXX, the Florida Attorney General, among others. This situation is not the result of consumer neglect, but of systemic failure in notification and account management. I expect a fair, prompt, and complete resolution. Toll access is essential to my family and I in our daily lives as this is the only way to enter the village we live in and have also stated, I am willing to pay any outstanding bills at reasonable process without the penalties being impossed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On our about XX/XX/year>, I attempted to use Citi XXXX prequalification tool for the Citi XXXX XXXX credit card. the tool indicated that checking eligibility would not impact my credit score. However, after clicking to proceed, the process automatically resulted in a full credit application and a hard inquiry on my credit report. i did not intend to submit a full application and was not clearly informed that a hard inquiry would occur. The transition from prequalification to full application was not clearly disclosed and was misleading. I reasonably believed I was only authorizing a soft inquiry. After noticing the hard inquiry, I contacted Citi to request removal and an explanation of how this occurred. Citi responded but refused to remove inquiry and did not provide a clear explanation of the application process or consent obtained. i am requesting removal of the hard inquiry from my credit report, as it was the result of a misleading prequalification process and lack of clear consent.

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 2026-04-05 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: MI

Complaint narrative:
b'Subject: PayPal Wrongfully Terminated My Account Due to Their Own Billing Error\n\nTo Whom It May Concern,\nI am filing this complaint against PayPal, Inc. regarding the wrongful permanent deactivation of my account as a result of a billing error that was entirely PayPal\'s fault.\nPayPal charged my bank account for a XXXX XXXX subscription after I had already downgraded to the free version of XXXX. I did not authorize this charge. My bank confirmed the charge was unauthorized, issued a chargeback to recover my funds, refunded my money, and issued me a new card.\nDespite PayPal being responsible for the unauthorized charge, they used the resulting chargeback as justification to permanently deactivate my PayPal account. When I contacted PayPal customer service, I was told the decision was final and could not be appealed. When I asked for an explanation, I was given only a generic statement about "confidential risk criteria," which provided no meaningful explanation or path to resolution.\nI am requesting the following:\nReinstatement of my PayPal account\nRemoval of any negative flags or risk notations tied to my account\nRelease of my held balance of $XXXX currently scheduled to be held until XXXX XXXX XXXXPayPal\'s own actions caused the unauthorized charge. Penalizing me a consumer for their billing error is both unfair and predatory. I respectfully ask the CFPB to investigate this matter and compel PayPal to reverse their decision.\nAccount email: XXXX XXXX XXXX XXXXThank you for your time and assistance.\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
I recieved {$7100.00} from the state into this account from the statement period startin XXXX. I also received a credit of XXXX from a XXXX return making the totl deposited {$700.00}. I noticed I was missing money on my account so I calculated what i spent knowing how much the state paid me. I'm missing {$340.00} as i have only spent {$6800.00}. i reached out to the financial institute clled XXXX XXXX who issued the card for my state payments and reported the inaccuracy to my account. After speaking on the phone with customer service explaining everything I was hung up on. I'm sending a written complaint to the company tomorrow XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: U.S. BANCORP
State: FL

Complaint narrative:
I file a dispute with XXXX rental car the original price was {$200.00} they gave me a discount for {$69.00} then XXXX put {$74.00} back on there plus XXXX $ after I showed them so many pictures of the car and how bad the car was and they refused to get me my money back I want my {$130.00} plus my {$74.00} XXXX supposed to got discount of {$69.00} I can see it on my statement I want this dispute open back up and I want my money back

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 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing a formal complaint against PayPal , Inc. regarding their ongoing and unjustified withholding of my funds. PayPal is currently holding a significant amount of my money without clear explanation or valid reason. Despite my attempts to resolve this matter directly with PayPal, I have not received a satisfactory response or resolution. This has OCCURED XXXX times and everytime I show them this is not ILLEGAL activity. I have been a PayPal customer since XXXX and I have no done anything out of the way. They ask for ID I SEND IT, they ask for explanation I send it and I CAN ALSO SEND MY TAXES TO SHOW that this is business only. I do customer service on content pages to get more following. I run contests, lives, raffles, we have fun I even pay for hardship issues like bills and trips. If you RESEARCH my account this only occurs during some holidays and once in the I. The beginning of the year. This is not XXXX its a XXXX XXXX XXXX XXXX Whew I take money or use my PayPal for services. You can also see I refund my clients as well There is not violation here and has never have been I HAVE HAD CORPORATE CONTACT ME personally to apologize. Because its not illegal. Im not using anything. Iegall and I constantly have proof The details are as follows : PayPal Account Email : XXXX Amount Being Held : $ XXXX and change These is my money not anyone elses and I was sending out refunds and personal monies PayPals actions are causing financial hardship and appear to be in violation of their own policies and possibly federal consumer protection laws. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and help facilitate the release of my funds. Enclosed/attached are any supporting documents, including screenshots, transaction details, and email correspondence with PayPal. Thank you for your attention to this matter. I appreciate your assistance in helping me recover my funds. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: MOHELA
State: KS

Complaint narrative:
I am submitting a complaint regarding my federal student loans serviced by MOHELA due to lack of transparency, incomplete account records, and failure to provide clear information regarding a refund owed following loan discharge. I attended XXXX University, and my loans associated with that school ( Loans XXXX and XXXX ) were XXXX in or around XX/XX/year>. While the discharge has been applied, I have not received any refund for payments I made on those loans prior to discharge. I have requested clarification from MOHELA regarding : The total amount I paid toward the XXXX loans The amount of any refund owed to me The timeline for receiving that refund I have not received a clear or complete response. Additionally, I have requested a full financial transaction history for my account, including interest accrual and balance changes. MOHELA has only provided limited payment history ( last XXXX transactions ) and has not provided a complete record of interest accrual or full account activity. Because of this : I am unable to verify the accuracy of my loan balance I can not track how interest has been applied to my account I do not have access to a complete accounting of my loan history My loans have accrued interest during forbearance, and my balance has increased, but I have not received consistent statements or sufficient documentation to independently verify these charges. I am requesting that MOHELA : XXXX. Provide a complete financial transaction history for my account from the date of servicing through present, including interest accrual, balance changes, and all adjustments XXXX. Confirm whether I am owed a refund related to my XXXX XXXX University loans XXXX. Provide the total amount of any refund owed and the expected timeline for payment This request is being made to ensure the accuracy of my account and to obtain transparency regarding both my remaining loan balance and any funds owed to me. I would like a clear, complete, and documented response.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
Public student loan forgiveness was not followed up with and then closed all at once. I submitted paperwork and was then told they were all incomplete.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Chime Financial Inc
State: TN

Complaint narrative:
I was told they would help with credit and getting apartment approval. After sending money and email one person said after bad experience the first time they would give full refund and now nobody is responding

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: Resurgent Capital Services L.P.
State: NJ

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 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries listed below. Failure to comply within XXXX days will result in formal complaints with the CFPB, FTC, and legal action for damages under 15 U.S.C. 1681n and 16810.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX was told to come and get the XXXX I had and a XXXX XXXXXXXX XXXX to come and pick the vehicles up. The engine timing chain was going and I asked for help repairs and they ignored me. The XXXXXXXX XXXX was unsafe XXXX XXXX so I told them to come and get it. I gave both back and was told they would put it on my credit report. PLEASE HELP!!!!!!

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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: RI

Complaint narrative:
CEASE AND DESIST NOTICE DEBT COLLECTION COMMUNICATION Date : XX/XX/year> To Whom It May Concern, I, XXXX XXXX, am formally notifying you to CEASE AND DESIST all communication with me regarding the alleged debts referenced below : - Jefferson Capital Systems XXXX XXXX XXXX {$1300.00} - XXXX XXXX XXXX XXXX XXXX XXXX ) {$8100.00} - XXXX XXXX XXXX {$1300.00} Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby instructed to immediately cease all communication with me, including but not limited to : - Phone calls - Text messages - Emails - Letters ( except as legally permitted ) You may only contact me to : 1. Confirm that no further contact will be made, or 2. Notify me of specific legal action being taken Additionally : - I dispute the validity of these alleged debts in their entirety - Any attempt to collect without proper validation violates 15 U.S.C. 1692g - Any continued reporting of unverified information may constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Be advised : Any further communication outside of the above exceptions will be documented and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and legal action for violations of federal law. This letter serves as formal notice. Sincerely, __________________________ XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX

Company response to consumer: Closed with explanation