vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am requesting assistance regarding the improper servicing and denial of my Total and Permanent Disability ( TPD ) discharge. 

I began receiving Social Security Benefits in XXXX of XXXX. I have been continuously receiving Social Security XXXX XXXX ( XXXX ) since. My Social Security Benefits Planning Query ( BPQY ) shows my next continuing XXXX review was scheduled for XX/XX/XXXX, which is a six-year review cycle. Under 34 CFR 685.213 ( b ) ( 2 ) ( i ), a borrower qualifies for Total and Permanent Disability discharge if SSA documentation shows the next continuing XXXX review will occur within XXXX to XXXX years. This documentation legally qualifies me for mandatory discharge under 34 CFR 685.213 ( b ) ( 1 ). 

I submitted this BPQY and a TPD discharge application in XXXX, XXXX, and again in XXXX. Despite submitting qualifying SSA documentation, the TPD  department failed to process or approve my discharge properly. 

Instead, they denied my request and stated that I do not qualify because I received a small federal loan in XXXX. This denial is legally incorrect. Under 34 CFR 685.213 ( b ) ( 4 ), only loans received after a borrower is determined XXXX are excluded from discharge if the borrower signed a physician certification and acknowledgment of ability to engage in substantial gainful activity. I signed no such certifications or acknowledgments, and I was never informed that accepting this loan would affect my discharge eligibility. 

The TPD department 's denial improperly blocks the discharge of my pre-disability loans and misapplies federal regulations. This is improper servicing and regulatory noncompliance. Had my discharge been properly processed in XXXX, I would not have taken this later loan. 

I have submitted an application on XXXX separate occasions for discharge. Each time, I was either asked to send additional documentation or denied altogether. 

I am requesting immediate corrective action, proper application of 34 CFR 685.213, discharge of all eligible federal loans, refund of any payments made after my XXXX onset or after my discharge application, and correction of any adverse credit reporting.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> at approximately XXXX AM, I attempted to deposit {$7500.00} in cash at the Bank of America ATM XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The ATM screen showed it was counting the cash for several minutes ( approximately 5 minutes ), then displayed transaction cancelled. The ATM returned my debit card but did not return the {$7500.00} cash, and no receipt printed. The deposit did not appear in my account or transaction history in the Bank of America mobile app. 

I called Bank of America on XX/XX/year> and a claim was opened. I asked to speak with a manager but was a manager was unavailable and would call me back within two business days ; no manager contacted me and I received no written or online communication about the case. 

On XX/XX/year>, I visited the Bank of America branch in person. A teller advised me to call the branch manager, who I later connected with and stated she would email Bank of America regarding the issue. I received no follow-up. 

On XX/XX/year>, I called Bank of America again and was told the case would be escalated and that I would receive a response within 48 hours and that the funds could be resolved within that timeframe. I received no response and no credit. 

On XX/XX/year>, I called Bank of America again and was told the case had been escalated but that I had been given incorrect information previously, and that the investigation could take up to 45 days. I was told I may receive a temporary credit by XX/XX/year>, but this was not provided in writing and has not yet occurred. 

This incident occurred shortly after I had a baby, which made the lack of communication and delay particularly difficult. I am seeking a full credit of the {$7500.00} and clear written confirmation of the investigation status and resolution timeline.

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 monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Appears on credit report. I have no idea who or what they are

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In early XX/XX/year>, Capital One placed a temporary restriction on my premium credit card account without explanation. The written notice stated only that the account was restricted and instructed me to call customer service. No reason for the restriction was provided, and no guidance was given regarding how to resolve it. 

When I contacted Capital One, I was told verbally that I needed to submit XXXX months of bank statements. However, no explanation was provided as to why these documents were required, what Capital One was attempting to verify, or which accounts or institutions were relevant. The only written documentation request I later received stated simply : Bank Statements, without any additional detail. 

In good faith, I submitted nearly XXXX financial documents, including statements from multiple checking, savings, and investment accounts. Despite this extensive submission, Capital One did not indicate whether the materials were sufficient or request clarification or additional documentation. 

Approximately XXXX days later, Capital One notified me that my account was being permanently closed due to activity allegedly inconsistent with typical customer account usage. No specific transactions, dates, or conduct were identified, and no explanation was provided regarding how this determination was reached. 

When I contacted customer service to seek clarification or appeal, I was told that the decision was final, that no review or reconsideration process was available, and that accumulated rewards points would be forfeited. No allegation of fraud, deliberate misrepresentation, or improper activity was communicated, and no documentation supporting the decision was provided. 

This process provided no meaningful notice, no clear documentation standards, and no opportunity to respond prior to permanent account closure. The action also carries potential adverse credit implications, as the closure of a high-limit account affects credit utilization and overall credit profile, yet I have been given no mechanism to challenge or correct the underlying determination. 

I am submitting this complaint to request review of Capital Ones handling of this matter and to seek fair resolution, including appropriate review of the account closure and treatment of earned rewards. I wrote and submitted a letter to the CEO of Capital One on XXXX XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
hello I bought this car with a warranty and also as is no warranty at time of sale i was told it would be covered if there was a problem by XXXX it was still in warranty when i drove it to work on the way home it had a black out I have a serious XXXX i was afraid to drive it I called the shop I ordered the pieces from XXXX XXXX XXXX  XXXX  made me an appointment to bring it in i was paying for the parts XXXX showed up she said u bought this vehicle and refused that XXXX could not fix it This voided the contract I took it to a XXXX XXXX  they put it on a machine offered me XXXX a trade the car salesman said to take it back the time and chain wasn't any good the spark plugs are frozen in the motor so it wasn't serviced as promised I took it to the dealer a total of 3 times was refused for the vehicle to be fixed the last time I had it towed in fear of it blowing up this car I made a complaint with the dealership motor vehicle XXXX the XXXX  I '' M not sure of the FTC The car has sat in my driveway for months not being able to be driven. The finance company has sued me in court first they canceled the gap so I canceled the insurance before this they kept charging by force placing insurance on the loan that I was paying full coverage on this car should of been taking to a sale and sold but it remains in my driveway also I shouldn't have to pay for a vehicle that doesn't run I hired a lawyer and I never was in the court room they were given a {$9400.00} judgement by XXXX XXXX XXXX XXXX XXXX XXXX XXXX judicial circuit Case # XXXX i filed a Judgement Debtor 's Claim for Exemption I don't feel I should have to pay for a vehicle that doesn't run

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
this is regarding a Navy federal unauthorized transaction amounting to XXXX the business is XXXX XXXX XXXX and XXXX XXXX XXXX XXXX charges were made on XXXX XXXX XXXX transaction XXXX, XXXX transaction XXXX, XXXX transaction XXXX, and XXXX transaction XXXX I called the day I saw the charges, the charges were made the night prior and the funds were applied not refunded The card in question was expiring on XX/XX/year> and I have that in my possession The card replacement was never received the day of my complaint, the card replacement was also not received I have filed police report of the incident I have emailed NFCU, the fraud department does not accept calls, they only accept email request pls call with questions/concerns XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Airtm Inc.

Complaint narrative:
Hello sir/madam, My name is XXXX XXXX & i am from XXXX & XXXX in XXXX. I usually do international money transfer from AIRTM money transfer platform. I did XXXX transfer of my earnings of XXXX $ & XXXX $ from my other account to transfer my earnings from XXXX XXXX XXXX XXXX company through AIRTM platform XXXX cashiers. As cashiers did fraud with me my bank account in XXXX got freezed & cyber officials put up lien mark on my account of XXXX XXXX. After complaining many times to AIRTM customer support with all relevant details of transactions i haven't got any proper resolution from past 4 months. XXXX  of XXXX XXXX  are stuck in my bank account only because of XXXX cashiers available on airtm platform. AIRTM not taking any responsibility of fraudulent activity on their platform & just apologizing me without refunding my hard earned money. I request to you take action against airtm & help me recover money which close to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: AL

Complaint narrative:
RECEIVABLE MANAGEMENT is falsely reporting on my credit. I have never had any accounts with them. Per my research RECEIVABLE MANAGEMENT is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 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 2026-01-22 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> I became a victim of wire transferred an amount of {$9400.00} from my cheese checking account was transferred remotely to XXXX XXXX account without me noticing or in a fraudulent way. I filed the claim to the first department at Chase Bank, but they prematurely closed the account a fraud claim without investigating properly. I have my money transfer from tears to XXXX XXXX, which is still visible and I have never done this transaction before or at that time.

Off note when this transaction happen says bank was able to notice this is a fraudulent transfer and they alerted me via the email and voicemail but because of the XXXX call schedule of mine, I was not able to call promptly, but when I called the font was already transferred. My question to them is they were able to detect. This is fraud. They did not even wait for my return caller permission before they transfer the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: LA

Complaint narrative:
I am writing to formally dispute the accuracy, completeness, and legal reporting of certain information currently appearing on my consumer credit file maintained by your agency. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I am a low-income consumer who currently receives public assistance, including Supplemental Nutrition Assistance Program ( SNAP ) benefits and Medicaid. As such, I am entitled to heightened consumer protections under federal law, and adverse credit reporting that is inaccurate, misleading, or unsupported causes disproportionate financial harm. 

The account ( s ) in question are being reported inaccurately and without proper verification. The reporting fails to meet the statutory requirements that all information furnished to consumer reporting agencies be complete, accurate, and capable of verification, as required under 15 U.S.C. 1681e ( b ) and 1681i. 
Additionally, I have been exposed to a data breach and may be a victim of identity theft. As such, this dispute also constitutes notice under FCRA 605B ( 15 U.S.C. 1681c-2 ). Upon receipt of an identity theft report, a consumer reporting agency is required to block the reporting of information resulting from identity theft within four ( 4 ) business days, unless it determines the report to be fraudulent or materially incomplete.

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 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Multiple accounts were opened under my name in different states from where I have resided my whole life, using my maiden name but slightly misspelled. Columbia Debt Recovery is taking care of 4 accounts one is list as {$83.00} opened on XX/XX/XXXX, {$280.00} opened XX/XX/XXXX, {$370.00} opened XX/XX/XXXX, and {$360.00} opened on XX/XX/XXXX. XXXX XXXX is taking care of one account in the amount of {$9000.00}. XXXX XXXX XXXX is taking care of one account in the amount of {$13000.00}. XXXX XXXX XXXX XXXX is taking care of one account in the amount of {$300.00} opened on XX/XX/XXXX. XXXXXXXX XXXX XXXX  XXXX is taking care of one account in the amount of {$90.00} opened on XX/XX/XXXX. I have tried to dispute these claims online and have investigations done but maybe one or two claims were taking off my credit report but everything else stayed on. I have never lived in any of the states that these accounts were opened in, which were mostly opened for apartments and utilities. They didn't even use my last name correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to formally request a reconsideration of the decision regarding my fraud claim related to unauthorized transactions totaling {$1800.00} on my account on XX/XX/XXXXXXXX  I did not authorize these transactions and reported them promptly. Wells Fargo initially credited the full {$1800.00} back to my account after escalation to management. However, following a later review, {$430.00} was reversed based on merchant-provided information on the date of XX/XX/XXXX The merchants evidence does not conclusively prove that I authorized the transactions. The presence of my personal information alone is insufficient, as that information was provided solely for account creation and not as verification at the time of purchase. 

Given the lack of strong authentication or verification proving my authorization, I respectfully request that Wells Fargo restore the remaining {$430.00}. I believe this outcome aligns with consumer protection standards and Wells Fargos obligation to protect customers from unauthorized activity.

Thank you for your time and consideration. I look forward to your response.

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 2026-01-22 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: NY

Complaint narrative:
On XX/XX/year>, I opened a checking account and a savings account with Chase. 

Between XX/XX/XXXX and XX/XX/year>, there were several transactions ( performed or approved by me ) on the checking account and on the savings account. I deposited money, I received direct deposits ( unemployment benefits ), and took money out from the checking account. So far, all is ok. However, I didn't receive a letter with my debit card and info on how to create a pin to use it. 

On XX/XX/year>, I received a message from Chase. Both accounts were on hold due to potential fraud. I called Chase, and I was told I had to go to a branch in person. I also noticed {$1500.00} were e-withdrawned from my checking account ( no info where or to whom ). Also, there were 6 ATM withdrawals of {$500.00} each, {$3000.00} in total ( in the Chase branch located at XXXX XXXX XXXX, XXXX, MA ). 

On XX/XX/year>, I received a letter from Chase informing me that both accounts were on hold. 

On XX/XX/year>, I had a meeting at the Chase branch. Based on advice from an executive, I requested a new checking account and a new savings account, as well as a new debit card. This executive also helped me submit fraud claims to Chase for both accounts, requesting the restitution of the {$1500.00} in my checking account and the {$3000.00} on my savings account. On the same date, Chase rejected the fraud claim on my savings account ( " We found that the transaction ( s ) was processed according to the information you provided or was authorized. " ). 

On XX/XX/year>, I called Chase asking to reconsider. I was told to go to the branch once again and fax a letter. 

On XX/XX/year>, I went to the same Chase branch and met another executive. She faxes my reconsideration letter to the fraud department, demanding the restitution of {$3000.00}. This day I received the new debit card. 

On XX/XX/year>, Chase rejected my reconsideration request on the checking account " because we determined that the item ( s ) being disputed were authorized or youreceived benefit from the item ( s ). 

On XX/XX/year>, Chase rejected my reconsideration request on the savings account ( " We found that the transaction ( s ) was processed according to the information you provided or was authorized. '' ) On XX/XX/year>XXXX   I sent a similar reconsideration letter to Chase for the Checking account, asking for restitution of the {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MA

Complaint narrative:
Sallie Mae offered me a settlement on XX/XX/year>. As of today, XX/XX/year>, I still have not received the settlement letter due to a system error on their end. I was told I would receive the letter by XX/XX/year>, but it has not yet been delivered. Without the settlement letter, I am unable to go to a bank or lender to arrange payment. The settlement includes a 15-day payment window, which has now been shortened due to this delay. Meanwhile, interest continues to accrue daily, even though the account is charged off.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation