vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Issue : Inaccurate credit reporting due to servicer failure to apply forbearance/deferment I am filing a complaint regarding inaccurate credit reporting on my federal student loan account serviced by Nelnet. My account was reported 90-120+ days delinquent during a period when forbearance or deferment should have been applied. I contacted the servicer multiple times prior to and during this period to request relief, I was advised regarding deferment, however required paperwork was never sent to me, despite inquires. I've sent messages and most recently contacted their automated phone system that ensured me the paperwork would be mailed, however it never was despite my own inquiries. The servicer never made contact with me before documenting this delinquency and/or when repayment should have started, and had no evidence of any attempts. 

As a result of this failure, my account was inaccurately reported as delinquent, even though I was still enrolled in college courses, causing a significant and material drop in my credit score. The servicer later corrected the account status, which confirms the original reporting was inaccurate. 

I am requesting : * Written confirmation that the delinquency was reported on error * XXXX that no negative payment history related to this period will be re-reported * Confirmation that my credit file now reflects the correct status across all credit bureaus I am not disputing a balanced owed. I am disputing servicer reporting accuracy and failure to administer my account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I was deceived into sending multiple PayPal Friends and Family payments to an individual who was impersonating a legitimate cryptocurrency platform. The recipient directed me to a website ( XXXX  ) that falsely displayed account balances and claimed I had funds available, but the platform blocked all withdrawals and demanded additional payments to unlock or verify the account. 

I believed I was paying a legitimate business service. The platform misrepresented itself, simulated account balances, and never allowed access to funds. This was not a legitimate transaction or investment, but a fraudulent scheme involving impersonation and deception. 

After discovering the platform was fake and withdrawals were impossible, I contacted PayPal customer support and their fraud/crypto specialist team to report the scam and request reversal. PayPal refused to investigate or reverse the payments on the grounds that the transactions were marked as authorized, despite being induced through fraud and impersonation. 

I am requesting regulatory assistance to require PayPal to properly review this matter as fraud and abuse and to help recover the funds sent under deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I hope this message finds you well. I am writing to formally address a pressing issue regarding my account, which has been overdrawn by over {$5000.00} due to a dispute I initiated concerning dental services provided to my father. 

The dental care he received was subpar, resulting in inadequate work that has not lasted. As a result, I have had to seek treatment from another dental office to rectify these issues. My father did not want to return to the same office. I disputed the charges because we were dissatisfied with the quality of care received, and I was seeking a refund for the services rendered. 

Despite my attempts to resolve this matter, I have received multiple letters from Chase stating that there was no error in the charges. I want to clarify that I am not disputing the charges themselves ; rather, I am requesting a refund due to the unsatisfactory nature of the services provided. My father is left with no teeth, and I have documents and photographs to substantiate our claim. Chase has all the necessary information regarding this dispute. 

The current situation has resulted in my account being overdrawn, and I am now facing pressure to come up with over {$5000.00} to avoid collections and potential account closure. I have always valued my relationship with Chase and have never encountered a situation like this before. Unfortunately, I do not have the means to deposit this amount into my account. Chase closed the claim and stated they can not do anything further. 

I believe it is Chase 's responsibility to handle the recovery of funds from the dental office, considering the circumstances. I kindly request your immediate assistance in resolving this matter and finding a solution that does not place undue financial stress on me. 


My fathers name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Date of incident : XX/XX/year> Amount : {$340.00} Detail : Used the selling app called XXXX  to purchase an Item for my little brother for XXXX. When received item I notice it is isnt authentic as displayed. It was not new as listed and worn once. It was suppose to be XXXX XXXX brand sneakers but the receipt that the seller sent said at the bottom thank you for shopping footlocker. XXXX DOES NOT sell designer name brand, XXXX XXXX sells XXXX XXXX. It was turned out that the seller made their own receipt and sold me some fake sneakers. The very next day I rode an hour and a half to XXXX XXXX  to the XXXX XXXX store to check if they authentic and was told that they were not. I filed a dispute claim with my navy federal account and I provided information and picture files just for them to credit me the money back and wait 2 weeks later which was yesterday and take my money back now my account is negative I am highly upset about this situation. This is not right Ive been scammed and the seller has gotten away with it. He also sent a different receipt along with the footlock one which said XXXX XXXX which is a replica receipt where hes probably gotten the shoes from a app called XXXX I will provide that too. XXXX deleted most of my messages with me asking about authentication and why does my receipt say 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 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The way Capital One blends two forms of credit at materially different APR rates into one card product is misleading : 1 ) The card effectively controls two separate forms of credit, and the customer can't decide which one gets used as the card gets swiped at the point of sale.

Typically Capital One says a customer understands they've taken out a cash advance by going to the ATM, etc. However, there are cases as below in which a regular credit card is used as a cash advance without it being clear to the average customer. 

I used XXXX to pay for a contractor invoice. XXXX classified this transaction as a cash advance. Cash Advances are charged a fee and are billed at a significantly higher APR rate with no grace period. As a customer XXXX XXXXXXXX transactions can take multiple forms, and its not always evident how the transaction will be classified, but because I was paying a business for invoiced service, I expected my card to be charged as normal. 

I have asked Capital One to reclassify this transaction as it was not intended to be a cash advance : it was a business purchase for goods and services. They refused. 

2 ) There is no way to view the remaining cash balance on a Capital One account, though it begins accruing interest immediately. This is misleading. Because this balance is at a different APR rate than my card balance -- and because it begins compounding before a statement is released, it is imperative to understand what it is.

Instead, Capital One displays balances with variable APRS ( from XXXX to 28 % ) as one balance, which may cause a customer to misunderstand what they owe and what is accumulating interest. There is no breakdown of what amount in my account is being charged what APR. 

Amplifying the harm, my account has zero percent promotional APR. So adding a 28 % APR balance on my account where not clearly indicated or monitor-able is potentially misleading to a customer. It just says my total balance ( which is typically charged no interest ) -- and no indication that there's a variable APR rate.

Because I didn't even know this was going to be billed as a cash advance, it's evident to me a customer could go days without understanding that a portion of their balance is billed at 28 % APR. 

Due to the lack of clarity, monitoring options, and customer control over this feature -- and due to the fact that one can end up using it without their express consent -- I asked that this feature be disabled on my account, and indicated I wished to revoke any future authorizations to take out cash advances -- because they have a different APR rate, and I do not wish to utilize such debt. They also refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
I am filing this complaint regarding an invalid medical debt that was improperly sent to collections despite being covered at 100 % by my health insurance and actively disputed for several months. 

The alleged debt stems from an annual preventive wellness exam provided by XXXX  XXXX on XX/XX/year>. Under my insurance plan with XXXX, I am entitled to one annual wellness visit per year covered at 100 %, and this visit qualifies as preventive care. 

All other charges from this date of service were processed and paid correctly by my insurance. The remaining balance that XXXX  XXXX claims is patient responsibility is incorrect and has been repeatedly disputed. 

For months, I have been in active communication with : XXXX  XXXX XXXX XXXX XXXX XXXX  ( my insurance provider ) Both parties have communicated with each other directly. My insurance has confirmed that this visit qualifies as preventive care and should not be billed to me. XXXX  XXXX representatives have acknowledged internal review of the coding and billing. 

Despite this : XXXX  XXXX continued to assert an incorrect balance The account was sent to collections while under active dispute Accredited Collection Service is now attempting to collect a debt that is not valid I have documentation of : Insurance confirmation of 100 % coverage Names and reference numbers of XXXX  XXXXXXXX XXXX XXXXXXXX representatives Ongoing disputes prior to the account being sent to collections This situation has caused unnecessary stress and appears to be the result of billing and coding failures between the provider and insurer, not a legitimate consumer debt.

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 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
XXXXWe have an inheritance held in Wells Fargo bank. The bank manager XXXX  XXXX, contacted me on XXXX informing me our inheritance money will be released after a $XXXX  tax was paid.  I told him there is no tax on inheritance . He insisted there was tax and this continued for a few weeks.and\nThen he called the charge an administrative charge by Wells Fargo. This was a red flag because he had wrongly called.  Yes he refused to supply any data or evidence from the bank that the charge imposed was valid.  So I strongly refuted the charge as being genuine.XXXX XXXX was contacted me on XXXX  on XXXX XXXX XXXX XXXX, which I thought was the banks number , but since find it's probably his own number.  I have learnt that banks don't communicate on XXXX  for business.XXXXBecause there has never been evidence of the charge imposed and XXXX XXXX has always evaded providing any evidence, I now see this as a scam payment,  unless evidence is provided.XXXXOur inheritance has been delayed being released for six weeks because of XXXX XXXX  action requesting a fake charge.XXXXI have attached some screenshots of conversations with 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 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My XXXX account ( Account XXXX. XXXX ) was closed in XXXX. Despite the account being closed, XXXX withdrew {$160.00} from my Chase bank account through autopay before I even received the bill, and after failing to send the prepaid return box they told me was required to avoid equipment charges. 

XXXX also failed to issue the {$49.00} refund that appears on the bill as Balance Forward : - {$49.00}. Instead of returning this money to my bank account, XXXX applied it toward a charge caused by their failure to provide return materials. 

The bill I received ( attached ) shows : Balance Forward : - {$49.00} ( refund owed to me ) New Charges : {$210.00} Auto Pay Amount Withdrawn : {$160.00} Account Status : Your account has been disconnected. 
XXXX had my correct address, proven by the bill, but never mailed the return box. 
By the time this bill arrived in the mail, XXXX had already withdrawn the {$160.00}, giving me no opportunity to review or dispute the charge before the money was taken. 

When I called XXXX, their system could not locate my account. The representative also could not find my account and provided no solution. I asked for the location of a store where I could return the equipment, since the prepaid box never came. She did not answer and attempted to transfer me, then said no one was answering. 
Because the account was closed, I can not log into my XXXX account to access documents or dispute the charges. 

This is an unauthorized withdrawal after account closure and an improper withholding of a {$49.00} refund. XXXX withdrew money without giving me the chance to review or dispute, without providing the required return materials, and despite showing a prior zero balance and a refund owed. 

I am requesting : A full refund of the {$160.00} withdrawn from my bank account. 
Payment of the {$49.00} refund XXXX owed me. 
Written confirmation that I owe no balance. 
Assurance that no negative credit reporting occurs. 
Correction of XXXX records to reflect that no return box was ever mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
My flood insurance was due XX/XX/year> and the mortgage company did not pay it. On XX/XX/year> I spoke with the mortgage company who assured me the payment would be sent by overnight mail, but this was never done. I called the mortgage company twice and they refuse to return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint regarding a second fraud dispute with Chime Financial , Inc., Claim No. XXXX, involving 49 unauthorized person-to-person ( P2P ) transactions. Chime separated this claim from my other dispute solely because the transactions were categorized as person-to-person. 
The disputed P2P transactions occurred while I was incarcerated. During this time, I did not have possession of my phone, debit card, account credentials, or access to the internet, and I could not have initiated, authorized, approved, or benefited from any person-to-person transfers. I did not share credentials or provide authorization to any third party. 
I timely reported these transactions as unauthorized. Chime has acknowledged that the claim is under investigation but has denied required consumer protections during the investigation. Specifically, Chime has refused provisional credit without identifying or citing any specific Regulation E provision or exception, failed to explain how these transactions could be authorized while I was incarcerated, and failed to disclose what evidence was reviewed. 
Chime has also obstructed the dispute process by refusing manual review, refusing escalation to a supervisor or escalation team, and relying on automated determinations. I provided material evidence, including proof of incarceration and a police report documenting identity theft and fraud, yet Chime has not confirmed that this evidence was considered in its investigation. 
Although this claim remains under investigation and no final determination has been issued, Chimes refusal to provide provisional credit, refusal to conduct a reasonable manual investigation, and failure to explain its reliance on automation violate the error-resolution and consumer-protection requirements of Regulation E ( 12 CFR 1005 ), including its requirements for reasonable investigation and meaningful access to dispute resolution.Chime denied provisional credit and denied multiple procedural requests during the investigation, including manual review of the person-to-person transactions, escalation, written explanation under Regulation E, and confirmation that evidence such as proof of incarceration and a police report was considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
just like before I would get my bank statement on a page front and back and maybe a second page just front my checking account deposit bill payer etc and below that would be a summary of my 5 CD 's and Savings account. Than I did not get any bank statements for 2 months and I file a complaint here and then I would get a master envelope with 7 envelopes in side and I never said any thing because I am getting my statements and than it was back to the way it was after talking with some one from citizens bank. Now just yesterday XX/XX/year> Saturday I did Rec 'd a master envelope with two envelopes in side one with Savings account statement and another one with one of my CD 's statement in side same problem as before I am thinking that I will get the other envelops tomorrow I dont know. I have no ideal what happen last time or this time I did not change any thing or do any thing wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRANCER CAPITAL CORP
State: IN

Complaint narrative:
I contacted dealership within a month of purchasing car because our daughter wasnt happy with it. I told them that when I looked into trading it there was an issue but no one got back to me. I contacted finance company figuring they would take over correcting this issue and got no response back. After waiting and calling with no response or calls back from dealership. I then contacted them again told them that my loan documentation show two different trim pack age XXXX and when I run my VIN the car I have is only worth XXXX or XXXX what I got a loan for from finance company figuring. I told if they did not get back to me I was taking this information to attorney general. I told finance company same thing. I contacted attorney general about car as well or tried to. I have a $ XXXX loan with putting $ XXXX down plus payments made on a car not worth more than $ XXXX $ XXXX cause it is the basic model.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I have been repaying my student loans via Mohela for my federal college student loans. I have never been late and am consistently paying via their website on time and often over the account balance. However, one of my loans is repeatedly marked as " Past due. '' I've made payments dedicated to this loan marked " past due '' multiple times to try and remove this incorrect marking, however, despite months and specific repayments, the issue is never resolved. 

I've called Mohela multiple times and have reached out via email. The emails have been " responded to '' with an auto-generated response that doesn't resolve the issue. During my phone calls which take 30 minutes minimum to speak to a representative due to robot automation, I've been assured multiple times that they are resolving this issue and that it wouldn't affect my credit score because they can tell that I have in fact been up-to-date and satisfied all payments to that specific loan despite being marked and the email notifications. 

My payments have only continued to go up which I've taken in stride due to this discrepancy, which is frustrating as well but now I've received notifications that it has indeed impacted my credit score saying I'm 90 days late for a loan payment even though I've been regularly contributing to that loan. I've emailed them again once more.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-11 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: IL

Complaint narrative:
I've filed several disputes with Citi bank credit card and not XXXX of them have been resolved. I've informed Citibank that Im a victim of fraus and at this point i believe my identity and card information is on the XXXX web. Each time i have called in to check the status of my disputes I have been told that they were pending and that i would receive a letter when it was complete and have never received any letters. Ive attempted to make minimum payments even though the balance was incorrect until i recently realized that I never received the outcome of the disputes.

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