vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 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: TX

Complaint narrative:
I purchased an XXXXXXXX XXXX XXXX from Best Buy using my Best Buy Credit Card issued by Citi. Shortly after purchase, the PC experienced serious and recurring hardware failures, including motherboard-related issues that made the system unreliable and not fit for its intended use. 
I worked in good faith with the manufacturer through the warranty and XXXX process. My PC was held by XXXX  for several weeks without a technician assigned, with no clear repair timeline, and without visibility into repair status. XXXX  ultimately refused to authorize a refund or provide any durable remedy, stated that replaced components would not receive extended warranty coverage, and acknowledged that post-warranty failures would not be guaranteed coverage. 
Although the PC was eventually returned to me, the underlying defect was not permanently resolved, and the repair does not provide reasonable assurance of long-term reliability given the history of failures. 
I disputed the charge with Citi, as the issuer and servicer of my Best Buy Credit Card. Citi closed and refused to reopen my dispute solely because Best Buys 15-day return policy had expired. Citi did not properly investigate the defective merchandise or the manufacturers failure to provide a lasting remedy and instead relied on a store return policy.

This is not a case of buyers remorse or a voluntary return. It is a dispute involving defective merchandise that was not fit for ordinary use. Citis denial failed to comply with the Fair Credit Billing Act by not conducting a meaningful investigation into the defect.

I am requesting that Citi be required to reopen and properly investigate this billing dispute and provide appropriate relief for defective merchandise.

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 2026-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Sallie Mae for improper payment processing, unauthorized withdrawals, and failure to account for bank fees caused by their servicing errors. 
My Sallie Mae loans are set to autopay {$25.00} per loan on the XXXX of each month. During the relevant period, I had between two and three loans active, meaning my authorized monthly payment should never have exceeded {$75.00}. 
A comparison of my bank statements with Sallie Maes own payment history shows a repeated pattern of servicing failures, including : Lump-sum withdrawals that exceeded the authorized monthly amount Duplicate same-day debits Payments withdrawn on dates other than the agreed due date Failed debit attempts followed by retries ACH return item fees charged by my bank as a direct result of Sallie Maes failed or repeated withdrawals Reversals shown in Sallie Maes internal records that did not prevent real money from being withdrawn from my bank account The most severe example occurred in XX/XX/XXXX. In that single month, Sallie Mae-related activity removed a total of {$220.00} from my bank account across multiple withdrawals and fees, including a {$100.00} lump-sum debit on XX/XX/XXXX. My authorized maximum for that month was {$75.00}. 
Sallie Maes transaction history reflects internal ledger activity only and does not account for the actual financial harm shown on my bank statements, including repeated {$30.00} ACH return item fees. These fees were caused by Sallie Maes processing errors, not by any action on my part. 
Across the full review period ( XX/XX/XXXX through XX/XX/XXXX ), Sallie Maes servicing resulted in at least {$430.00} in documented overcharges and bank fees. This amount represents a minimum and does not include additional harm caused by timing mismatches, reduced account balances, or cascading overdraft risk.

Despite maintaining autopay in good faith, Sallie Mae failed to process payments per loan, failed to respect the authorized monthly cap, and failed to disclose or reimburse fees caused by their own debit failures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
I got a text and email simultaneously saying that a " US BANK XXXX XXXX  ACCOUNT '' had been opened in my name. Thinking it was spam, I was SHOCKED next time I logged in to check a balance on another account I hold with US Bank to see that this account had in fact been opened, and according to the person on the phone with the bank, this person who opened it used my social security number.

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 2026-01-29 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: Chime Financial Inc
State: MI

Complaint narrative:
Around XX/XX/year> About {$190.00} left in account Company closed account due to suspicious activity claiming it went against guild lines. 
Account was being used as main banking account, to XXXX and receive payments for services like gas rides, and to receive my XXXX  unemployment payments at that time. I contacted the customer service line a was disconnected 3 times due to the representative not being able to answer a question, what was the suspicious activity?. I am not and have not been able to access the account for almost 5 years and I am not able to get any details or information from the account because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: IL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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
Consumer complaint received 2026-01-29 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
XXXXI HAVE AN M & T REWARDS CREDIT CARD. I REDEEMED 2500 REWARDS POINTS ON XXXX XXXX XXXX FOR A XXXX XXXX  GIFT CARD. I SELECTED THE VIRTUAL GIFT CARD. I RECENTLY TRIED TO REDEEM THE XXXX  GIFT CARD.XXXXI WAS UNABLE TO REFERENCE THE GIFT CARD NUMBER. I WAS ABLE TO REFERENCE THE ORDER ID CONFIRMATION NUMBER FOR THE REDEMPTION.XXXXTHE NUMBER IS XXXX XXXX XXXX. I WAS NOT ABLE TO REFERENCE THE XXXX  GIFT CARD NUMBER FOR USE IN THE XXXX STORE. I CONTACTED BOTH THE M & T REWARDS CARD CUSTOMER SERVICE AND XXXX  CUSTOMER SERVICE. REPRESENTATIVES WERE UNABLE TO ANSWER MY QUESTIONS OR PROVIDE HELP LOCATING THE GIFT CARD NUMBER. THE M & T REWARDS REPRESENTATIVES SAID REFERENCE MY REDEMPTION TRANSACTIONS. BUT, THE GIFT CARD NUMBER IS NOT PROVIDED. THE XXXX  REPRESENTATIVES SAID THEY NEED THE GIFT CARD NUMBER TO REFERENCE THEIR RECORDS. THE XXXX  REPRESENTATIVES SAID THERE IS NO SPECIAL CUSTOMER SERVICE DEPARTMENT THAT SERVICES BANK CREDIT CARD REWARDS REDEMPTIONS. FURTHER, THE REPRESENTATIVE SAID THEY WERE NOT SURE IF THEIR SYSTEM COULD REFERENCE VIRTUAL GIFT CARD STATUSES AND VALUES. I FIND THAT HARD TO BELIEVE SINCE CONSUMERS REGULARLY USE MOBILE APPS TO SHOP IN STORE AND ONLINE. I WANT TO GET MY XXXX  GIFT CARD NUMBER SO THAT I CAN USE IT IN A XXXX  STORE TO SHOP.'

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 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: OH

Complaint narrative:
Aldous and Associates keep harassing me. Her name is XXXX XXXX. They dont even call from their company number. They are using burner numbers that are not connecting. 

I signed up for XXXX XXXX and cancelled within the allotted week. XXXX removed on their contract and send this to collections. This was in XXXX  sometime in the spring. 

I let the employee at XXXX know I was shipped out of town for work and wanted to cancel. She said it would be taken care and called me back to confirm. Guess that was a bold faced lie. 

When I went to the place during normal business hours XXXX she was never there. They operate as a XXXX gym giving guests a fob to enter the door when locked. She was there maybe 10 hours a week.

Ive asked them to stop calling, filed a prior harassment claim, and put in a claim with The FTC for telecommunication harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : CFPB Complaint Dispute of Unauthorized Charges and Misrepresentation by Palms Place via XXXX  To Whom It May Concern, I am writing to formally appeal the denial of my chargeback regarding a reservation made through XXXX for a stay at XXXX XXXX XXXX  from XX/XX/XXXX, to XX/XX/XXXX. 

I booked the room in late XX/XX/XXXX and was charged immediately {$470.00} for the stay. Upon arrival, I was unexpectedly charged an additional {$150.00} cleaning fee, which was never disclosed at the time of booking. I attempted to dispute this fee directly with the property and with XXXX, but no resolution was provided. 

Additionally, the room we were provided was not as advertised on XXXX Specifically : The bathtub and shower did not function. 
The microwave was broken. 
Tiles were being held together with blue painters tape. 
There were spit wads on the ceiling, apparently from previous guests. 
The bathroom seat repeatedly clogged, the pillows were dirty, and the carpet had visible stains. 

The property was filthy and unsafe, lacking the fully functioning kitchen and bathroom that were the reason for our booking. We were unable to leave, as alternative accommodations were unavailable, and we were in town to purchase a home, making it essential to remain until our departure on XX/XX/XXXX. 

I filed a claim with my bank to dispute the charges. Yesterday, I was informed in writing that my chargeback was denied, citing that the merchant claimed I had authorized the charge. This reasoning is inaccurate, as I only authorized payment for the advertised room, not the undisclosed {$150.00} cleaning fee nor the substandard conditions of the room. 

I respectfully request that the CFPB review this complaint and assist in reversing the denial of my chargeback. The undisclosed fee, combined with the misrepresented and unsanitary condition of the room, constitutes a violation of my consumer rights and is the basis for a valid dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Columbia Debt Recovery is attempting to collect and report a balance that is based on an inaccurate and inflated landlord ledger. The amount being reported includes post-vacate rent, duplicate rent charges for the same period, and a reletting fee which violates what is permitted under my lease ( section 46 ). 

I provided written notice of intent to vacate on XX/XX/year>. XXXX XXXX  confirmed my move-out date as XX/XX/year> in writing, and I vacated and returned my keys on XX/XX/year>, executing official move-out paperwork that same day. I paid {$1200.00} on XX/XX/year> covering prorated rent, utilities, and cable through my final date of occupancy. 

My lease expressly limits any charge for insufficient notice to XXXX months rent of {$1700.00}. Despite this, the ledger relied upon by Columbia Debt includes rent charges beyond my move out date, duplicate rent for overlapping periods, and a full reletting fee, resulting in an unlawful and misrepresented balance. 

Columbia Debt was notified of these inaccuracies and nevertheless continues to report and collect the disputed amount, causing ongoing credit harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
The amount is incorrect and argument was meant in court to settle an court fees an amount sued for was paid in full i would like the to be removed from my credit never to be re-added or re sold to another creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: AL

Complaint narrative:
On XX/XX/XXXX of XXXX, I used klarna as a XXXXXXXX XXXX XXXX XXXX for clothing items i purchased from a store through XXXX. After seeing the store cancel my order on XXXX, i saw that i still had to pay klarna the {$52.00} each month for the clothes. I contact support and they pause my payments as they tried to contact the seller i purchased from. Throughout this time, i sent evidence of the order being cancelled through shopify, an email directly from the store themselves stating my order was cancelled, and i provided screenshots of the stores instagram page stating that they couldnt fulfill any orders placed through shopify/shop. After over a month, Klarna decides that i didnt have enough evidence. this is very infuriating as i never even received my order or even a tracking number, my order just got cancelled even after i tried contacting the store to help resolve the issue and trying to get Klarna to refund me the amount of money id already paid for the order. I refuse to pay for clothing i never recieved. I received an email from the store themselves saying my order was cancelled andrefunded but i never received the money back that i paid through Klarna, the email was sent weeks after id placed my order, the date i received the email was XX/XX/year> at XXXX. Im unable to open another dispute about it because Klarna is saying i didnt provide enough evidence. I NEVER received my order and Klarna is still making me pay for the order even though shopify cancelled the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a vanilla gift debit card. There were several fraudulent charges on my card : {$49.00} XX/XX/year> {$49.00} XX/XX/year> {$24.00} XX/XX/year> There is no option to report fraud on their phone system ( or talk with a human ). There is no ability to log on to their online system. 

I would never recommend this company. I need resolution for financial fraud on my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc.
State: MN

Complaint narrative:
This account was opened fraudulently in my name and needs to be removed from my account immediately I have no knowledge of this account I have e filed several disputes with webbankavant describing the situation and have got no where the balance is XXXX I never owned this account period

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I requested full validation of this alleged debt from LVNV Funding LLC/Resurgent Capital Services

under the Fair Debt Collection Practices Act. They did not provide any of the required documentation ( no signed agreement, no itemized accounting, no proof of ownership, and no chain of title ).

Instead of validating the debt, they updated my credit report to add a dispute comment but continued reporting the same balance and status without providing verification. This means they are furnishing information that has not been validated and may be inaccurate or incomplete. 

I am requesting that the CFPB require LVNV/Resurgent to either ( XXXX ) provide full validation of the debt with proper documentation, or ( XXXX ) delete the account from all credit bureaus if they can not validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
My bank account has been restricted due to a court XXXX. The restriction has now been in place for over 21 days, and my funds have not been released. 

I have made repeated attempts to resolve this issue. The banks legal/levy department does not accept phone calls at this moment which has been the past XXXX  days. I have called local branches requesting confirmation of whether a XXXX of XXXX XXXX XXXX XXXX XXXX has been received and a timeline for releasing my funds, but I have not received a clear response or resolution. 

This prolonged restriction is causing significant financial hardship, as I am unable to access my own money for basic living expenses and have a minor child under the age of XXXX that is dependent on those wages. 

I am requesting that the bank provide written confirmation of the status of the release, explain the reason for the continued delay, and immediately release any funds that are legally eligible to be released or a time given that they will be released.

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 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: MD

Complaint narrative:
I applied for a loan modification on XXXX XXXX. It was finally approved after XXXX attempts, however, it appears that Selene Finance has started a new XXXX  year loan starting from XXXX. I would have never signed up for that. My original loan started in XX/XX/year>. This sounds more like I was refinanced but I didnt receive any funds. Loan modifications restructure existing loans, not start a new one. I also thought a loan modification adjusts the loan to be a sustainable level for the borrower, my new payment went up an extra {$500.00}. When I called Selene finance to discuss the matter, I wasnt given a response about it. I was placed on hold twice but there wasnt any resolution. I was told a loss mitigator would contact me. I truly need some assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I am a resident of Washington State. The Collector ( Resurgent Capital Services ) is attempting to collect on two accounts for an alleged original creditor ( XXXX XXXX Bank ). I am disputing these accounts for the following reasons : 1. Identity Discrepancy : The Collectors records for the Credit One accounts omit the middle initial of the consumers legal name, despite the Collector possessing other documents ( a XXXX XXXX statement ) that correctly identify the consumer with the full legal name. This indicates the data for the disputed accounts is unverified and inaccurate. 

2. Fraudulent " Phantom '' Payment : On one account, the Collector claims a payment of {$210.00} was made on XXXX/26. A forensic audit of bank records confirms that NO such payment was ever authorized or made by the consumer. This appears to be a fraudulent entry intended to " re-age '' a time-barred debt in violation of the FDCPA ( 15 U.S.C. 1692e ). 

XXXX. Licensing Violations : Verification with the Washington XXXX XXXX XXXX  confirms that the debt owner ( LVNV Funding LLC ) and the servicer ( XXXX XXXX ) are not properly licensed as collection agencies in Washington. Collecting without a license violates RCW 19.16. 

A formal Dispute and Debt Validation Demand was mailed via Certified Mail on XXXX/26. I request that the company cease all collection efforts and remove all inaccurate reporting immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
PHH mortgage they still report to credit bureau and sale my identity without my consent. I would like to dispute this, because PHH the received their payment already. I would like PHH mortgage, they sent the letter to all the credit bureaus to remove my name off from the credit report, the reason is the amount is paid in full.

Company response to consumer: Closed with explanation