vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IA

Complaint narrative:
I have a significant amount of Federal loans that were taken out for XXXX XXXX. I filed for XXXX XXXX in XX/XX/year> and subsequently received an email from the US Department of Education on XX/XX/XXXX that all of my loans for XXXX would be discharged as part of a larger court case. Case number XXXX. Since then I have seen no movement or received any additional follow up correspondence from either the Dept of Education of my loan servicer Mohela. I have loans from XXXX XXXX University as well that will still need to be paid, but with there no action, and my loans being consolidated I have no clue what I owe. My understanding is that the court ordered the discharge take place back in XXXX. Please note that my loans are under my maiden name.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Washington Trust Bank Financial Corporation
State: WA

Complaint narrative:
Ok... so I have an overdue balance of XXXX. I have XXXX sent by the government to Washington trust bank .. they put a hold on it .. and don't give it to me... still havent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
There was a recent credit card application created using my personal information without my knowledge or consent. I received a letter from Fnbo denying the application was provided a reference number XXXX I did attempt to contact the fraud department however had difficulty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MORGAN STANLEY & CO. LLC
State: PA

Complaint narrative:
FOLLOW UP TO A CLOSED CASE THAT IS STILL NOT RESOLVED!!!!!!!! I've received nothing yet. I did not set up any of the CD 's to reinvest the interest, they were ALL set up to pay monthly interest to me via check. They refuse to admit their systems are dysfunctional and malfunctioning. They have put me through hours of phone calls to attempt to resolve their mistakes and never admitted fault or even tried to resolve anything. They are a perfect example of a mega large corporation that does not care whatsoever about their clients, their only interest is in how much money they can make so their corporate executives can buy jets, islands, and possibly have friends like XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Over a year ago, me & my husband had a heroic car accident by an uninsured driver. My husband was in the hospital for a week. I was in the hospital for over a month. When I got out, I contacted XXXX XXXX law group to take care of my debts. For 13 months, I paid them {$400.00} each month which was rough. This start was XXXX XXXX.They said, dont answer the phone, let them charge off and we will have this taken care of for you. Thirteen months, come to find out, they never contacted XXXX of my accounts. Primary being now in third parties. They bought my debts. What did they pay for them? They was written off. I want copies of the 1099Cs. They want to charge me NOT what they paid and balances with heroic interest. I did not agree with a third party or for them to have all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Newrez has stopped paying my homeowners insurance with my escrow account. Loan # XXXX. I am currently in a XXXX repayment and they refuse to speak with me. I have a new policy that is due by XX/XX/XXXX or my coverage will lapse. I have sent 6 different faxes and 3 online submissions. XXXX has sent several electronic submissions as well for payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: NC

Complaint narrative:
Commercial Acceptance Company violated the FDCPA by reporting a debt XXXX my credit file prior XXXX providing an initial validation notice, which I only received after explicitly requesting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BMO Bank has received multiple phone communications from me requesting the reissuance of my checks, and they have replied to me. The specific details are stated in the documents. BMO Bank 's internal management is chaotic, resulting in the failure to reissue my checks in a timely manner. Now they require me to go through notarization for a lost statement, which includes information such as the check number that I do not know about, nor have I seen it, and therefore can not conduct notarization. Moreover, notarization now incurs fees, and will BMO Bank reimburse me for these costs? BMO Bank has had multiple cases of embezzling customer funds, and the relevant departments should pay attention to this issue and take action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — Store credit 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: NY

Complaint narrative:
On XX/XX/2025, I purchased a pair of sneakers from XXXX XXXX for {$110.00} using my Macy 's American Express card. The sneakers were purchased as a gift and remain unused, unworn, and in their original packaging with tags attached. When I attempted to return the item, the merchant refused a refund and stated that in-store purchases were subject to a no-refund or exchange-only policy. This policy was not disclosed to me at the time of purchase, was not printed on the receipt, and was not available on the merchant 's website. After contacting the merchant, I received written correspondence stating that there was " no documentation confirming what was disclosed at the point of sale or on my receipt. '' The merchant also stated that my claim involved potential undisclosed restrictions requiring further review and that I would be contacted by a specialist. However, after those initial responses, the merchant stopped responding to my communications and never provided a resolution. I disputed the charge with Macy 's Credit Services and provided the receipt and the merchant 's written statements. The dispute was initially denied as a billing dispute and later denied again because the merchant stated it was enforcing its no-refund policy. My concern is that the dispute was evaluated based on the existence of the merchant 's policy rather than whether that policy was properly disclosed before or at the time of purchase. The merchant acknowledged there is no documentation showing what was disclosed at the point of sale or on my receipt. Despite this, Macy 's denied the dispute without addressing the lack of disclosure. I am requesting that Macy 's Credit Services conduct a fair review of the dispute and consider whether the merchant adequately disclosed the return restrictions before relying on that policy to deny a refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
On XXXX or XXXX XX/XX/year> I attempted a transfer of $ XXXX from my checking account with Citizens Bank XXXX an external account in my own name XXXX XXXX that I have used before. The transfer was denied. I called XXXX assure Citizens that the transfer was legitimate, made by me XXXX not a fraud. The customer service person assured me they had dealt with the matter XXXX put a note on my account XXXX allow similar future transactions. Evidently they did not do this as the transaction was again denied XXXX the receiving bank account blocked. An XXXX I spoke XXXX the next day could see no such note. This is now day XXXX. I have spent at least XXXX hours on the phone, spoken XXXX date XXXX XXXX different XXXX. As of today I have spoken XXXX XXXX more. I have been repeatedly given the wrong number XXXX try, passed from XXXX to XXXX, XXXX even XXXX - XXXX up on. I still do not have access XXXX my own funds, which I need XXXX pay for school fees. On several occasions I was told XXXX go XXXX a branch of Citizens with my ID, despite telling the XXXX I was not in the country. The last XXXX I spoke XXXX most recently demanded I prove a ) that I had done the transaction before because she had looked through XXXX years of transactions XXXX seen nothing matching these details. I pointed out the most recent XXXX, for a smaller amount, made through XXXX. She said XXXX was not her department. The fact of the matter, however, is that Citizens blocked XXXX transfers XXXX XXXX payments. So clearly they are linked. Plus, the XXXX transaction indicates clearly that the account is legitimate. These failure 's on Citizens part are indicative of a systemic problem whereby their technical systems are poorly constructed XXXX not fit for purpose XXXX their XXXX do not know their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
1. Marcus offered {$1500.00} bonus program in XXXX XXXX if 'the customer deposit at least {$100000.00} in Eligible New Funds above your Enrolled Account Starting Balance into your Enrolled Account and maintain for 90 days ' 2. I deposited {$100000.00} on XX/XX/XXXX and XX/XX/XXXX. Deposit additional {$290000.00} for day to day banking transactions on XX/XX/XXXX to be used for day to day banking need ( i.e. withdraw if necessary. ) 3. I have Maintained over {$200000.00} over 90 calendar days ( i.e. my withdrawal amount should not touch my original {$10000.00} cash bonus program requirements ). These are my 90 days balance : XXXX {$100000.00} XXXX {$290000.00} XXXX {$270000.00} XXXX {$260000.00} Marcus refused to pay the {$1500.00} bonus b/c I withdrew some money during the 90 day period. These withdrawals should not be taken from the initial deposit of {$100000.00}. I have satisfied the cash bonus program requirements ( maintaining {$100000.00} of initial deposit ). Your assistance to resolve this issue is greatly appreciated. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I am filing a formal complaint against Western Union Financial Services , Inc. due to a severe administrative and technical data mismatch that has resulted in the loss of my {$1000.00} funds. On XX/XX/year>, I deposited two Western Union Money Orders for {$500.00} each into my bank account, serial numbers XXXX and XXXX. I requested an official tracing research report from Western Union. When they delivered the official audit PDF, their accounting system listed my correct money order numbers ( XXXX and XXXX ) in the text ledger. However, Western Union committed a massive data breach and technical error by attaching front/back images of a completely different customer 's money orders ( belonging to an individual named XXXX XXXX XXXX with completely different serial numbers ( XXXX and XXXX ). Furthermore, Western Union 's internal ledger reflects that on XX/XX/year>, these items were marked as " RETURNED ''. Because Western Union rejected the processing and kept the funds in their possession, my bank ( XXXX XXXX ) debited {$1000.00} from my personal account. Western Union is currently holding my {$1000.00} under a " Returned '' status while providing a corrupted research report with mismatched images and mismatched identities. I spoke with Western Union customer service today and they requested 2448 hours, but given the severity of the cross-contaminated financial data, I require a formal regulatory investigation. Desired Resolution : I demand that Western Union immediately audit their money order logs for serial numbers XXXX and XXXX, correct the data corruption, and return my {$1000.00} funds immediately via check or direct credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I am submitting this complaint because a student loan account is being reported on my credit file that I believe is fraudulent and was not opened, authorized, or used by me. I did not apply for, sign for, receive funds from, or otherwise authorize this student loan. I became aware of the account after reviewing my credit report. The account information does not match any student loan that I knowingly obtained. I dispute the validity of this debt and request a complete investigation into the origination of the loan, including copies of all application documents, promissory notes, signatures, disbursement records, and any identifying information used to open the account. Because I believe this account resulted from identity theft or unauthorized activity, I request that the account be removed from my credit reports if the lender can not provide sufficient evidence that I personally applied for and authorized the loan. I also request that all collection activity related to this account cease while the investigation is pending. I am seeking correction of my credit file and resolution of this matter as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
Problem with a withdrawal or unexpected charge / System MalfunctionDescription of Incident : On XX/XX/2026, I used the USAA online portal to make a single, authorized electronic fund transfer to pay my homeowners insurance policy from my external XXXX XXXX XXXX checking account. Due to a severe system error and software glitch on USAAs platform, USAA initiated five additional, duplicate, and completely unauthorized ACH withdrawals from my account. This resulted in six total payments being pulled instead of one.This unauthorized draining of my funds severely disrupted my household cash flow and compromised my financial security. While I caught the error immediately and filed a Regulation E dispute with my primary bank to prevent overdraft fees, USAA 's systemic billing failure caused significant distress and required hours of my personal time to manage and correct.USAA must be held accountable for faulty payment processing infrastructure that executes unauthorized drafts against consumer accounts.Desired Resolution : I am seeking a formal investigation into USAAs payment portal glitch. Additionally, I demand a monetary statement credit of {$250.00} as compensation for the time, stress, and severe household financial disruption caused by USAAs unauthorized electronic fund transfers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: Block, Inc.
State: TN

Complaint narrative:
On XXXX I canceled my XXXX account but on XXXX I was charged {$38.00}! Contacted Cash App but they refused to return my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Creditly Corp.
State: MI

Complaint narrative:
I am copying what I sent to Credit Genie. I'm going to try and be clearer on my problems with your company in the expectation I will get an adequate, clear and truthful response without having to contact the CFPB. On XXXX XXXX I requested a credit Boost in the amount of {$100.00}. This was scheduled for repayment on XXXX XXXX. This payment plus fees was paid on XXXX XXXX in the amount of {$110.00}. On XXXX XXXX I received a XXXX XXXX of {$50.00} which I did not request. It was repaid on XXXX XXXX in the amount of {$59.00} which included fees. On XXXX XXXX I requested and received a XXXX XXXX for {$100.00} scheduled for repayment in XXXX. On XXXX XXXX I received a XXXX XXXX for {$100.00} which I did not request nor would I been eligible since I currently have a Cash Boost for {$100.00}. This was paid back on XXXX XXXX with fees bringing the total to {$110.00}. In addition 2 withdrawals of XXXX were made on my account without my knowledge or permission. My bank is XXXXXXXX XXXX. The last 5 numbers of my account are XXXX Thank you for what I'm sure will be a quick response to this In addition to the above I now see where Credit Genie charged me twice for membership first of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I completed my trial modification plan with the prior servicer ( XXXX XXXX ), but before final documents were sent, servicing transferred to Selene Finance. Selene is refusing to continue the modification process, refusing to recognize my completed trail plan, and demanding amounts inconsistent with the trial-plan approval. My original trial plan called for me to make payments of {$1500.00}. Selene is refusing payment on that and asked me to pay XXXX a month with a new interest rate of 8 %. My loan was transferred to Selene in XXXX of XXXX and I have been in frequent contact with them every month since then trying to get this resolved. I have included the original loan modification letter, proof of payment, communications with Selene showing they did not receive/ accept the loan mod and the notice of transfer of my loan servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Credit card name is : Concord Credit My complaint is this : I have not had this credit card for several years and obviously haven't used. I was going over my credit card accounts and came across this particular card, since I use auto pay on all my accounts this has been overlooked this for long amount of time. Looking into the statements they have been charging me as shown below ; Credit Limit {$300.00} Available Credit {$100.00} Past Due Amount {$0.00} Overlimit Amount {$0.00} Statement Closing Date XXXX XXXX XXXX Days in Billing Cycle 30 Previous Balance {$340.00} - Payments & Credits {$160.00} + Purchases & Other Charges {$0.00} + FEES CHARGED {$3.00} + INTEREST CHARGED {$10.00} = New Balance {$190.00} I have since yesterday XX/XX/XXXX closed that account, customer service said they will send verification through the mail for proof that it was closed. My question is why would they not notify me that this account was inactive. They instead continued to keep charging me through my bank account using auto pay From what I understand by customer service this has been going on since XXXX. I find this despicable. I have calculated approximately XXXX dollars that I have been charged and it is outrageous. My husband and I live off of our social security he is XXXX and I am XXXX years of age. I certainly hope for recourse at this stage in my life. Please if you can help in any way please let me know. Also if you need other information please don't hesitate to ask and I will try my best to give you whatever paperwork I could. Thank you Best regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am submitting a complaint regarding a disputed credit card transaction in the amount of XXXX USD, posted on XX/XX/year>. The transaction was for medical-related services that were not delivered as described. The provider misrepresented the nature of the services and was directly involved in post-operative medical care, despite later claiming to be only an intermediary. Following the procedure, a hospital-acquired XXXX occurred, confirmed by XXXX testing ( XXXX-XXXX XXXX XXXX and XXXX XXXX ). As a result, the primary outcome of the service failed, and the XXXX XXXX was removed on XX/XX/year>. The provider did not fulfill contractual obligations to correct the issue, did not offer a viable solution, and did not provide any refund. I disputed the charge with my credit card issuer, but the claim was denied on the basis that services were received. I disagree with this determination, as the service resulted in a complete failure of its intended purpose. I am requesting a review of this matter and appropriate action.

Company response to consumer: Closed with explanation