vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Yes I asked this credit card company to give me an increase in my credit line and they denied me even though my credit score is in between XXXX and XXXX I believe they're going by race

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UTAHCASHLOANS LLC
State: UT

Complaint narrative:
Summary of issue : The lender misrepresented the loan type and balance treatment, reported an inaccurate disbursement amount, failed to apply a prior balance, and continued debiting my bank account after I disputed the loan and revoked authorization.

I obtained a loan from Utah Cash Loans that was represented to me as a refinance of an existing balance. However, the contract states that {$0.00} was refinanced, which contradicts the way the loan was presented and communicated.

The loan agreement also states that {$250.00} was paid directly to me, but I only received a single deposit of {$100.00}. The lender has not provided any proof of the remaining funds allegedly disbursed.

In addition, a prior balance of approximately {$120.00} from the previous loan was not credited, applied, or reflected in the new agreement. Instead of refinancing or paying off the prior balance, it appears the lender simply inflated a new principal balance, which was not disclosed or explained.

The lenders communications further suggest that they can add additional funds to an existing loan balance without a payoff, which functions like a rolling or credit-line structure, but this was not disclosed in the Truth-in-Lending documentation.

Because of these discrepancies, I sent multiple written disputes and requests for validation and accounting, including : Proof of disbursement of the full amount claimed, An explanation of how the prior balance was treated, and Clarification of whether the transaction was a refinance, new loan, or balance increase.

The lender has not responded to my dispute or provided documentation.

I also revoked ACH authorization until validation was received before payment was due, yet the lender continued debiting my bank account, including a debit of {$20.00} on [ XX/XX/year> ], which I will be disputing with my bank under Regulation E.

I am providing supporting documentation, including screenshots, the contract language, bank activity, and my dispute correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHERRY TECHNOLOGIES INC.
State: OH

Complaint narrative:
I am disputing a loan that was opened without my authorization in my name by a merchant ( XXXX XXXX, XXXX XXXX XXXX, XXXX  ). I did not apply for, authorize, or consent to any loan or financing, did not receive required Truth in Lending disclosures, and never received any loan documents.

At the time of the transaction, the merchant immediately charged {$200.00} at the salon and also charged an additional {$350.00} to a separate credit card without my knowledge or authorization. I was not informed that multiple payment methods would be charged, nor did I consent to these charges. These funds were taken prior to any disclosure that a loan existed.

I did not receive any facial, spa service, or treatment of any kind, and returned the product after suffering an adverse reaction. I reasonably believed the transaction was voided.

I later received payment demands from Cherry, which was the first time I became aware that a loan had been created. Cherry is now demanding payment, threatening collections, and repeatedly contacting me by phone, email, and text despite the account being formally disputed.

Cherry is requesting personal identifying information they should already possess if a valid loan application existed. Their continued collection efforts during an active dispute constitute harassment and violations of federal consumer protection laws.

I am requesting immediate cancellation of the unauthorized loan, refund of all monies taken, cessation of collection activity, and written confirmation that no negative credit reporting will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber
State: NV

Complaint narrative:
A medical bill in the amount of approximately XXXX was sent to collections. I have disputed the account and requested verification and itemized billing. I became aware of this medical account after it appeared in collections. I do not recognize the balance and requested verification and itemized billing.

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 2026-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
The voicemail I receive always says its the same person XXXX calling from RSI Enterprises INC.

This is a medical debt collector that calls me almost every single day, and has for the last year. I have proof with phone call statements to prove that they call me at LEAST 10+ times every single week ( 7 day period ). And they leave a voicemail as further evidence every time.

And to add icing on the cake, this is for a medical debt that I can also prove has already been paid over a year ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 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: FIRST FINANCIAL BANCORP
State: IN

Complaint narrative:
I am filing this complaint because my bank, First Financial Bank, denied my fraud claim for several unauthorized XXXX XXXX transactions that were made using my debit card information. These transactions totaled {$1700.00} and occurred between XXXX. I did not authorize these transfers, I did not know the person who received the money, and the XXXX XXXX transactions clearly show a recipient name that is not mine. 

I reported the fraud to the bank as soon as I became aware of it. I was told the investigation would take up to ten business days, but the bank closed the case in about two days and reversed the provisional credit within an hour. The bank stated that the transactions were authorized, which is not correct. My debit card information was stolen and used without my knowledge or permission. 

These transactions meet the definition of unauthorized electronic fund transfers under * * Regulation E ( 12 CFR Part 1005 ) * *, which protects consumers in situations like this. The banks investigation does not appear to have met the requirements of a reasonable investigation under the regulation. 

Some of the transactions occurred more than 60 days before I discovered the fraud. However, my understanding is that Regulation E only limits reimbursement for losses that occur * * after * * the 60day period. The unauthorized transactions that occurred * * before * * that period are still covered. The bank has refused to reimburse any of the transactions, which does not appear to be consistent with the regulation.

I am requesting the CFPBs assistance to ensure that the bank conducts a proper investigation under Regulation E, restores provisional credit during the investigation, and reimburses the unauthorized transfers. This situation has caused significant financial stress, and I am asking for help in resolving it fairly.

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 2026-01-05 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I have raised my concerns and contacted apple and goldman sachs several times with me spending more than XXXX hours to try to have a resolution but up to this date they have not answered my querries, made me wait and repeat myself back. in fact they have placed another charge of the same amount to my card. On top of this I have been noticing inconsistencised and incorrect balance charge dating back XX/XX/year> which was dismissed and not given any answer or resolution. I have raised these concern but company blamed me that it was interedt despite me paying them in full every month. Instead, They increased my credit card limit with me not even requesting for it. Details are too large for me to put in here. But would want to ask to where I can request to have my account audited

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
My XXXX XXXX  issued a check to be deposited into my checking account, with clear account number listed on the check, the checking account number, and that it was a deposit, instead of depositing the money into intended checking account, they diverted the funds to a insurance account, that clearly was nowhere listed on the check. For deposit only into the account listed in the face of the check

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 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We received a Check for {$520.00} which was attached to a letter with the CapitalOne LOGO on the top we deposited the check XX/XX/XXXX. The sender sent this payment using his CapitalOne XXXX XXXX XXXX. On XX/XX/XXXX the check deposit was reversed by CapitalOne. 

We noticed of the CapitalOne Check that they used a Third Party to send us the payment. This was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX. Bank was shown as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 

Following the reversal, I called CapitalOne numerous times but was not getting anywhere with them. The sender also called CapitalOne and could not get anywhere either. We went into a CapitalOne bank and surprise, surprise they could not help either. 

We lodged a complaint with the XXXX. Response was " We are unable to provide additional information as to why the item was returned for " Refer to Maker '' as CapitalOne is not the paying bank.

The sender also lodged a CapitalOne claim : XXXX. The response he received stated that it has been denied.

So, we do not have the {$520.00} the sender does not have the money. The company XXXX XXXX XXXX stated they never received the money back.

We have been getting the run around now for about six weeks Sounds like some FRAUD here and CapitalOne will not fully investigate who has stolen our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I applied for the SAVE income-driven repayment plan in XX/XX/year>. 
The application has been stuck in processing for over 15 months. 
As a PSLF-eligible public servant, this delay prevents me from making qualifying payments and jeopardizes my statutory right to loan forgiveness. 
MOHELA and Federal Student Aid are each refusing responsibility and directing me to the other. 
I am requesting immediate correction, resolution, and written confirmation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
hi, on my account it shows I only paid {$3600.00}, out of {$32000.00} on my loan, when in fact I have paid {$5600.00}. Westlake Financial is charging me more than $ XXXX extra on my loan. There is no way to speak with a human, they are ghosting me. Now giving me a straight answer. Where did the {$1900.00} go to? They just took it. 
I make {$1000.00} payments each month when my payment is {$600.00}, yet half of it they pocket instead of it going towards paying off my loan. 
I got a loan for XXXX. My total payoff is {$29000.00}. How can that be? I made {$1000.00} payments since XX/XX/year>. 
Why did they charge me {$1900.00} since I bought the car? The interest is 10.29 % but they are charging me {$2000.00} for 6 months, that's a lot higher than 10.29 %. I feel I am paying a lot more than 10.29 % on this loan. I try to call them but there is no way to speak with a human. Will you please call me so I can take care of this problem? 
Can anybody help me? I think they are scamming me. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: IL

Complaint narrative:
On XX/XX/year>, at XXXX XXXX, I was contacted by a representative from Williams and Fudge regarding an outstanding student balance. The interaction was immediately hostile and escalated quickly due to the representatives conduct.

I clearly stated that I needed to confirm details with my partner and suggested continuing the conversation the following day. I also communicated my intent to begin repayment, including an offer of {$50.00} per month in the interim while preparing to return to college in XXXX  to finish my degree.

Rather than acknowledging this, the representative repeatedly interrupted me, dismissed my explanation as a sob story, and implied I was being dishonest.

He expressed irritation with a raised voice at any delay and became increasingly belligerent. This behavior fell far below any reasonable standard of professionalism.

This interaction was particularly inappropriate given that the delay followed significant personal hardship, including the deaths of close family members and extended caregiving responsibilities. Regardless, no circumstance justifies abusive or demeaning language from a representative.

I expect this complaint to be documented and future communications to be conducted in a respectful and professional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: CO

Complaint narrative:
Ive repeatedly asked XXXX XXXX to stop calling me. Ive advised that I have revoked consent for them to call my cell phone multiple times but they continue to call me and tell me that in order to revoke consent I need to put it in writing and send it to their attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FlexShopper, Inc
State: LA

Complaint narrative:
On XX/XX/year>, I purchased XXXX tires from XXXX XXXX  through XXXX XXXX XXXX and Flex Shopper. I decided to get only XXXX tires and have been requesting a corrected receipt to show only XXXX tires were purchased instead of XXXX tires as of XX/XX/year>. No one from these XXXX companies have obliged to my request so that I can start paying for the XXXX tires that I purchased. Thursday is going to make XXXX weeks that no one has helped me with this concern. I have uploaded a more detailed description about this situation. Each page is numbered at the bottom.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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:
To the Consumer Financial Protection Bureau Reference Citibank Accounts ending XXXX & XXXX I am filing this complaint against Citibank for its failure to properly investigate and resolve a billing dispute, despite being provided clear, material information during both the initial dispute and the appeal process. 

Citibank denied my dispute twice regarding charges totaling {$5500.00} paid to XXXX XXXX, applied across two separate Citibank credit card accounts. 

Failure to Conduct a Reasonable Investigation During my dispute and subsequent appeal, I explicitly informed XXXX writingthat : - The vendor contract is not in my name- I did not sign the agreement- I am not a party to the contract - No DJ services were provided because the wedding was canceled Despite this, Citibank denied both disputes without addressing or rebutting the absence of any contractual obligation on my part. The denial letters simply relied on the existence of a vendor contract, even though that contract does not include me. 

This constitutes a failure to reasonably investigate a billing error under the XXXX XXXX Billing Act ( 15 U.S.C. 1666 ).

Services Not Rendered / Unjust Enrichment The underlying facts remain undisputed : - The event was canceled - The XXXX did not perform - No services were rendered - The vendor retained 100 % of the payment ( {$5500.00} ) By refusing to credit these charges, Citibank is requiring me to pay for services that were never provided, resulting in unjust enrichment of the vendor. 

Consumer Harm I acted in good faith and provided Citibank with all requested documentation. However, Citibank disregarded a key fact my lack of contractual obligation and upheld the charge without meaningful analysis.

This has caused significant financial harm and undermines the protections consumers are entitled to when disputing billing errors. 

Resolution Requested I respectfully request that the CFPB require Citibank to : - Conduct a proper investigation that addresses the lack of a contract in my name - Reverse the disputed charges totaling {$5500.00} - Provide a written explanation of how a consumer can be held liable for a contract they did not sign Thank you for your time and assistance. 

Sincerely, XXXX XXXX

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 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding my Parent PLUS Loan, which was originally serviced by XXXX and is now managed by Aidvantage. The loan has been consolidated and is currently listed as in default, with a reported balance of {$36000.00}, despite the original total amount borrowed being {$16000.00} ( {$8500.00} for XXXX semester and {$7900.00} for a second semester ). 
I believe my loan balance has been incorrectly calculated and improperly inflated due to mismanagement by XXXX, which has been publicly exposed by the U.S. Department of Education. The transfer of this loan to Aidvantage did not resolve these errors and instead resulted in consolidation and default without proper correction of the underlying balance. 
In addition, the circumstances under which this loan was obtained were coercive and based on misrepresentation. My son was recruited to XXXX XXXX, a private college in Massachusetts, by football coach XXXX XXXX, who promised a scholarship to my son and two other players from XXXX XXXX XXXX in Georgia. After my son relocated to Massachusetts, we were informed that the scholarship would instead be awarded to previously enrolled students. The coachs last-minute decision to revoke the promised scholarship after my son had already relocated placed my family in significant financial and emotional distress. At that point, I was under duress and had no reasonable alternative but to take out a Parent PLUS Loan to cover tuition and relocation costs, as my son had already moved. 
This scholarship promise was a material misrepresentation that directly caused us to incur debt we otherwise would not have accepted. We would not have left the state of Georgia. Compounding this, I was initially denied the loan, and while physically present in the XXXX XXXX XXXX XXXX XXXX and under duress, I was required to call my mother and ask her to co-sign in order for the loan to be approved. 
Despite these facts, the loan was later consolidated, placed into default, and now reflects a balance that is more than double the original amount borrowed, creating a severe and unjust financial burden.

Company response to consumer: Closed with explanation