vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CT

Complaint narrative:
I am facing a documented, long-term financial hardship with a monthly debt-to-income ratio that makes my current standard payments structurally impossible. I am currently delinquent on my accounts. I called Sallie Mae 's repayment assistance line in good faith to request a loan modification or entry into their XXXX XXXX XXXX XXXX.I provided my full income and essential living expenses, and explicitly informed the representative that my cosigner is currently disabled and completely out of work due to a severe injury. This means there is no secondary income or financial safety net available to maintain these payments.Despite this severe dual-hardship situation, the representative refused to offer any hardship accommodations, interest rate cuts, or lower tiers, and instead told me to simply call back in 30 days while my account continues to default and permanently damage my and my disabled cosigner 's credit.I am requesting that a senior underwriter or loss mitigation supervisor review my financial intake immediately to provide an affordable, structured repayment adjustment before irreversible default damage occurs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/XXXX, I submitted a refund request to MOHELA via secure message on MOHELA.com for four payments I made during the federal COVID-19 student loan payment pause. The payments were : XX/XX/XXXX - {$740.00}, XX/XX/XXXX - {$740.00}, XX/XX/XXXX - {$740.00}, XX/XX/XXXX - {$740.00}. Total : {$2900.00}. MOHELA Account # XXXX. MOHELA responded in writing via secure message on XX/XX/XXXX as follows : a request has been submitted to refund the payments you made during the Covid-19 Forbearance. Please allow 60-90 days for this request to be processed. All refunds are issued by the U.S. Treasury. As of XX/XX/XXXX, 33 months have elapsed since MOHELA confirmed the refund request. No refund has been received. My XX/XX/XXXX MOHELA account statement confirms no payment was reversed or refunded. I also submitted the same refund request via fax to XXXX on XX/XX/XXXX. I have attempted to reach MOHELA by phone at XXXX and XXXX. Calls are terminated before reaching a representative. I filed FSA Feedback Case # XXXX on XX/XX/XXXX regarding this same unresolved refund. I am requesting that MOHELA locate the confirmed refund request in its system, confirm its current status, and process the {$2900.00} refund immediately.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MT

Complaint narrative:
I have been employed at the XXXX XXXX XXXX, a qualifying PSLF employer since XXXX. My federal student loans entered repayment XX/XX/XXXX. I am reporting a 15-year pattern of systematic forbearance steering that denied me Public Service Loan Forgiveness I was entitled to in XX/XX/XXXX. SYSTEMATIC FORBEARANCE STEERING : The Department of Education 's XXXX records document a recurring pattern in which servicers placed my loans in administrative forbearance within days of each repayment period, without offering income-driven repayment as the legally required alternative : XX/XX/XXXX : repayment begins. XX/XX/XXXX : forbearance 22 days later. XX/XX/XXXX : repayment. XX/XX/XXXX : forbearance 10 days later. XX/XX/XXXX : repayment. XX/XX/XXXX : forbearance 10 days later. XX/XX/XXXX : new consolidation loans originated. XX/XX/XXXX : forbearance 7 days later. Total documented forbearance months during qualifying PSLF employment : XXXX. No servicer ever documented offering IDR as an alternative. THREE UNRESOLVED IDR APPLICATIONS : I submitted IDR applications in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of XX/XX/XXXX, none have been resolved. The XXXX application has shown " In Progress '' for more than six years. The XXXX application shows " Action Required '' but MOHELA never communicated what action was needed. The XXXX application remains unprocessed 20+ months after submission, including after the One Big Beautiful Bill Act ( XX/XX/XXXX ) eliminated the partial financial hardship requirement previously restricting IBR enrollment. No legal basis remains for continued non-processing. IBR DISCLOSURE FAILURE : From XX/XX/XXXX through XX/XX/XXXX, I was simultaneously enrolled as a student and employed full-time at the XXXX XXXX XXXX . Under 34 C.F.R. 682.205, my servicer was legally required to inform me I could waive in-school deferment and enroll in IBR, generating qualifying PSLF payments during those approximately 40 months. That disclosure was never made. QUANTIFIED HARM : XXXX confirms {$26000.00} in capitalized interest added to principal during forbearance. Had servicers enrolled me in IBR in XXXX XXXX, 120 qualifying payments would have been completed by XX/XX/XXXX and my full balance now approximately {$94000.00} forgiven tax-free. Total harm exceeds {$150000.00}. This forbearance steering pattern was adjudicated as unlawful conduct in CFPB v. XXXX XXXX ( XXXX, {$100.00} XXXX settlement ).

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I keep calling Santander Consumer USA for my original contract/retail installment agreement and was told they would send it via email and nothing has been sent. The second time I called I was put on hold and then hung up on. Im starting to get annoyed at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I used my card to charge for services during the last billing cycle period and Citi Bank decided to close my card down and not give me the generated cash back that was generated over the last biliing cycle. They also refuse to tell me how much was earned so that I will be unable to provide paperwork showing the bank was trying to remove my earnings

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: OH

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
I am the borrower on CMG Home Loans mortgage account number XXXX for the property at XXXX XXXX XXXX XXXXXXXX, TX XXXX. This complaint concerns a mortgage payment that XXXX successfully drafted from my bank account but has failed to credit to my loan, and CMG 's refusal to resolve the matter through any usable channel. On XX/XX/year>, XXXX attempted an ACH draft of {$4100.00} ( XXXX XXXX ID XXXX ). That attempt was returned for insufficient funds. On XX/XX/year>, CMG successfully drafted {$4100.00} from my account ( XXXX XXXX ID XXXX ). My bank has confirmed that an ACH trace ID is only generated on a successfully completed, settled debit, and that these funds were not returned to my account. CMG therefore received and retained this payment. Despite this, CMG is treating the XX/XX/XXXX payment as if it failed or was returned. When I contacted CMG to resolve the discrepancy, I was repeatedly told the matter could not be handled by email and was directed to call customer service at XXXX. When I called, representatives were unable to resolve the issue and told me there was no support ticket on file, even though CMG 's email replies reference " Ref : XXXX. '' CMG 's email team then mischaracterized my request as a dispute of a " rejected payment '' and asked me to provide a bank statement showing the funds were pulled and not returned. To be clear, I am not disputing a rejected payment. I am disputing CMG 's failure to apply a successful, settled payment of {$4100.00} that CMG drafted on XX/XX/year> and never returned. I have been left in a circular runaround : the email team refuses to assist and directs me to the phone, while the phone team can not resolve the issue, leaving me no functional path to correct an obvious servicing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America quit sending me paper statements. I thought I had payed them off. Without sending me statements they continued to take money out of my checking account. I requested statements to reveiw account. They only sent me a few. I was advised I would have to make a payment by the last day of the month or my account would be put into recovery. By the last day of the month I only received some of the statements I called to make a payment. I was advised my account was already put into recovery, and my payment was refused. I feel I was lied to it is.very upsetting and disturbing. I don't feel I have been treated fairly and I was lied too. I found some fraudulent charges. Still waiting for fraud department to get in touch with me.

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 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
am filing a formal complaint against Cash App ( Block , Inc. ) regarding an unauthorized electronic fund transfer and a subsequent security failure on my account that resulted in a loss of {$7000.00}. Account Holder : XXXX XXXX Cash App Case Number : XXXX Disputed Amount : {$7000.00} Date of Incident : XX/XX/year>, at XXXX XXXX EST Incident Details : On XX/XX/year>, at approximately XXXX XXXX EST, an unauthorized third party compromised my Cash App account. The unauthorized actor successfully linked a fraudulent, newly created debit card ending in XXXX issued by XXXX XXXX XXXX XXXX XXXX Bank to my profile without my knowledge, authorization, or consent. Immediately upon gaining access and linking this fraudulent card, the actor initiated a complete " cash-out '' transfer of my funds totaling {$7000.00} to this unauthorized account. I have never had a bank account or debit card with XXXXXXXX XXXX XXXX XXXX , and I immediately contacted that institution to close the fraudulent account they opened in my name. Company Actions & Regulatory Obligations : I immediately notified Cash App Support to report this unauthorized activity, secure my profile, and initiate a formal dispute. Cash App has issued a confirmation of the dispute under Case # XXXX, classifying it under " US : Cash App { Missing Deposit - Unrecognized Card or Bank Account - NMI } ''. Under Electronic Fund Transfer Act ( EFTA ) / Regulation E, financial institutions are required to promptly investigate unauthorized electronic fund transfers, provide provisional credit while an investigation is pending if it extends beyond standard timelines, and protect consumers against losses resulting from unauthorized account access. Given the substantial financial harm caused by this breach ( {$7000.00} ), Cash App 's security protocols failed to detect a highly suspicious, immediate cash-out to a brand-new, unverified external debit card. While Cash App has stated they are investigating, I am filing this complaint to ensure strict regulatory compliance, a transparent investigation into the IP/device data used to authorize this transfer, and the prompt return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2026, XXXX unauthorized charges were made to my PayPal XXXX XXXX ( account ending XXXX, issued by XXXX XXXX Bank, XXXX, routing number XXXX ) by an unknown merchant identified as XXXX ' : {$110.00} ( Transaction ID : XXXX ) at XXXXXXXX XXXX {$110.00} ( Transaction ID : XXXX ) at XXXX AM {$130.00} ( Transaction ID : XXXX ) at XXXX XXXX Total : {$360.00}. I have never heard of this merchant and did not authorize any of these transactions. The charges were made within a two-minute window in the middle of the night, after which additional attempts were made and declined only because my account was fully drained a clear pattern of payment card fraud. When I found out about this, I filed a dispute on XXXX XX/XX/2026 with PayPal for all three charges by speaking with a representative. The representative agreed the charges appeared fraudulent and opened a dispute on my behalf ( case ID XXXX XXXX XXXX PayPal later sent an email that they agreed the charges were unauthorized ( attached ). PayPal then apparently opened cases for the XXXX underlying transactions ( Case XXXX XXXX, XXXX, XXXX ). PayPal denied all three, stating only that the transactions were " not unauthorized, '' providing no evidence or reasoning to support that conclusion ( emails attached ). I have formally requested the investigation documentation from PayPal in writing. I have also filed a Regulation XXXX dispute directly with XXXX XXXX XXXX XXXXXXXX. as the card issuer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX Date : XX/XX/year> Via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Formal Dispute, Demand for Validation, Method of Verification, and Immediate Deletion of Inaccurate Reporting Account Reference : XXXX ( last digits only if preferred ) To Whom It May Concern, I am writing regarding the account your company is reporting on my consumer file. This account is currently being reported by your company as a collection account and marked as disputed by the consumer. I formally dispute this alleged debt and challenge the completeness, accuracy, and legal enforceability of the information being furnished. Under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand the following : Competent evidence establishing that I have a legal obligation to pay this alleged debt ; A complete accounting and itemization of the amount being reported ; Copies of any signed agreement, application, billing statements, or records demonstrating liability ; Documentation showing the chain of title and proof that your company has legal authority to collect and report this account ; The date of first delinquency and records establishing reporting accuracy ; The method of verification used to verify this account after prior disputes. If you can not provide complete documentary evidence validating the debt and supporting the accuracy of your reporting, you are instructed to immediately : Delete this account from all consumer reporting agencies ; Cease reporting unverifiable or inaccurate information ; Notify all credit bureaus to remove any associated negative reporting. Please note that reporting information that can not be properly verified, or continuing to furnish inaccurate information after notice of dispute, may constitute violations of federal law. Additionally, all future communications regarding this matter must be made in writing only. Telephone communication is not authorized. Please respond within the time permitted by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of these accounts are not authorized to be on my report. XXXX report is attached to this report. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Company : USAA Federal Savings Bank Product : Checking/Savings Accounts & Credit Card Issue : Account freeze / funds unavailable / improper restrictions State : Colorado What Happened USAA Federal Savings Bank restricted all of my accounts without any warning due to a {$40.00} fraudulent creditcard charge. Instead of addressing the single disputed transaction, USAA froze every account I have with them, cutting off access to all of my money. I received no notice, no explanation, and no opportunity to resolve the issue before the freeze was placed. I discovered the restriction only when my transactions and bill payments began failing. When I called USAA, representatives refused to provide any meaningful information. They repeatedly stated only that USAA has the right to hold all of my funds for up to 60 days, but they would not explain why such an extreme action was taken, what triggered it, or what I could do to restore access. Because of this freeze, none of my bills or automatic withdrawals can process, putting me at risk of late fees, service interruptions, credit damage, and significant financial hardship. This action is disproportionate to the issue, especially given that the dispute involves only a {$40.00} fraudulent charge. Why This Is a Problem USAA did not notify me before restricting all of my accounts. The freeze is excessive and unreasonable given the small amount of the disputed charge. Customer service refuses to explain the reason for the freeze or provide steps to resolve it. I have no access to my own money, which is causing immediate financial harm. My scheduled payments and bills are failing because USAA will not allow withdrawals.

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 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MT

Complaint narrative:
NELNET serviced my federal student loans during critical periods beginning in XXXX. I am reporting systematic forbearance steering and failure to disclose income-driven repayment options that denied me XXXX XXXX XXXX XXXX I was entitled to receive in XX/XX/XXXX. I have been employed at the XXXX XXXX XXXX a qualifying PSLF employer, continuously since XXXX. FORBEARANCE STEERING NELNET SERVICING PERIOD : During the period NELNET serviced my loans, the same pattern documented across my entire loan history occurred : loans were placed in administrative forbearance within days of entering repayment, without offering income-driven repayment as the legally required alternative. The earliest documented instance : XX/XX/XXXX, loans enter repayment for the first time. XX/XX/XXXX forbearance, 22 days later. No documentation exists of NELNET ever offering XXXX as an alternative during its servicing period. IBR DISCLOSURE FAILURE CONCURRENT ENROLLMENT : From XX/XX/XXXX through XX/XX/XXXX, I was simultaneously enrolled as a student and employed full-time at the University of Montana XXXX Under XXXX C.F.R. XXXX, NELNET was legally required to inform me I could waive in-school deferment and enroll in XXXX, generating qualifying XXXX payments during those approximately 40 months. NELNET never made this disclosure. Those months during which I was working full-time for a qualifying PSLF employer were lost entirely to undisclosed deferment rather than qualifying repayment. This is the most consequential single failure in my loan history : 40 months that would have pushed my qualifying payment count past the XXXX PSLF threshold XXXX CONTRIBUTION TO OVERALL HARM : NELNET 's conduct during its servicing period contributed directly to the XXXX total documented forbearance months in the Department of Education 's XXXX records. The XXXX confirms {$26000.00} in capitalized interest added to principal during forbearance. Had NELNET enrolled me in XXXXXXXX XXXX XXXX XXXX 120 qualifying payments would have been completed by XX/XX/XXXX. My current balance is approximately {$94000.00}. Total harm exceeds {$150000.00}. This forbearance steering pattern was adjudicated as unlawful conduct in CFPB v. XXXX XXXX ( XXXX, {$100.00} XXXX settlement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation