vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
I am writing to report that my federal student loan servicer, Aidvantage, improperly included previously XXXX federal student loans in a Direct Consolidation, effectively reviving approximately {$14000.00} in debt that the XXXX XXXX XXXX XXXX had already XXXX. I attended XXXX XXXX ( now XXXX XXXX XXXX XXXX XXXX, OPEID : XXXX ) from XXXX to XXXX. I took out XXXX federal Direct Loans totaling {$14000.00}. On XX/XX/XXXX, all XXXX loans were XXXX through XXXX XXXX to Repayment ( discharge code XXXX ). My NSLDS records confirm that the outstanding principal and interest on all XXXX loans were reduced to {$0.00} as of that date. On XX/XX/XXXX, approximately 14 months after the discharge, a Direct Consolidation was processed combining my remaining loans. The consolidation created XXXX new loans : an unsubsidized consolidation ( XXXX ) for {$74000.00} and a subsidized consolidation ( XXXX ) for {$5900.00}. The subsidized consolidation amount of {$5900.00} closely matches my XXXX XXXX subsidized loans ( {$3500.00} + {$2200.00} = {$5700.00} plus accrued interest ). This strongly indicates that XXXX debt was improperly rolled into the new consolidation. I did not understand at the time of consolidation that XXXX loans would be included. I was not clearly informed that the consolidation would revive previously forgiven debt. The discharge through XXXX XXXX should have been permanent. Since the consolidation, my loan has been placed in forbearance XXXX times in less than XXXX years, with repayment periods lasting as short as XXXX day before returning to forbearance. This pattern has caused interest to capitalize repeatedly, increasing my balance. My current balance is {$91000.00} with only {$1800.00} in total payments made. Additionally, the consolidation includes XXXX Parent PLUS loans for the XXXX XXXX XXXX XXXX ( XXXX ), which permanently closed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation
State: KY

Complaint narrative:
I filed a dispute with Card.Com which is issued by XXXX. on XX/XX/XXXX for over {$500.00}. I have provided a dispute form regarding the transactions in question and the dispute was denied. They provided no reason as to why

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I made a {$3200.00} transfer from my Santander credit card to pay my XXXX XXXX credit card on XX/XX/year>, the funds has left my Santander card, but until today has not reached my XXXX XXXXXXXX credit card. I called many times Santander and I even have a reference number XXXX and they do not have an answer to me about what happened. I called XXXX XXXX and they said there were never a transfer initiate, that they do not have anything pending or rejected. So right now I would like this transfer to be canceled or completed or info on what happened, because I owning # XXXX in both cards now.

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 2026-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: PA

Complaint narrative:
In response to a letter I received from the XXXX XXXX Tax Clerk, whereby I was informed that my property taxes for tax years XXXX and XXXX were going to be sold, I reached out to United Wholesale Mortgage, who held my mortgage at the time, for comment. After several rounds of back and forth, during which they assured me that my taxes were up to date, I finally got them to look into the issue. They sent correspondence back on XX/XX/XXXX, that " A review of the account has been completed for the review of the delinquency for the tax years XXXX and XXXX property taxes for tax parcel # XXXX. Our tax department reached out to XXXX XXXX, who will be providing the statement for the redemption amounts in XXXX weeks. Once this information is made available, we will pay the delinquency accordingly. '' To most people, including myself, their response satisfied my concern about the issue. In XXXX, United Wholesale Mortgage sold my mortgage to another servicer. It came to my attention, in XXXX of this year ( XXXX ), that my XXXX property taxes had been sold. And that I was now on the hook to buy them back, at a cost of nearly XXXX that which was owed at the time that UWM was engaged initially. When I reached out to UWM about the matter, here 's the response I received : " We can confirm that your loan was transferred and liquidated on XX/XX/XXXX ; therefore, we are unable to make any changes or act on the tax account. Our tax vendor verified through the county website that the XXXX property taxes for your parcel at XXXX XXXX XXXX XXXX, XXXX, IL XXXX was sold. Since your loan is no longer serviced by XXXX, any assistance with redeeming the tax sale will need to be handled directly with the taxing authority and your current servicer, XXXX XXXX XXXX. '' To say that I was surprised by UWM 's response is an understatement. I received no communication from UWM at any point after the initial message, not to communicate the transfer of my mortgage, or the sale of my property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I logged in to my Capital oneXX/XX/XXXX Card one day to pay the bill and usually I never use this credit card much only to pay streaming services and I saw a charge of XXXX dollars on my card from XXXX XXXX and I called the company right away and reported this as fraud and told them to cancel my card and sent me a new one. They did their research for couple of days and they got back to me telling that my account has been debited by that amount and I have to pay it back. I called them and spoke to supervisor about this issue and asked them to get specific documents on this fraud claim and see if they can open it up again for investigation and they said that they don't do that and that is nothing I can do other than pay the card on the due date to avoid interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
RE : COMPLAINT AGAINST CAPITAL ONE FAILURE TO CONDUCT REASONABLE INVESTIGATION ( FCBA VIOLATION ) Statement of Fact : On XXXX XXXX I purchased what was prescribed as a medical device ( XXXX XXXX sensors ) from the XXXX XXXX in XXXX, AZ for {$190.00}. The pharmacy committed dispensing fraud by providing 10-day sensors while affixing a label that explicitly instructed : " Change sensor every 15 days. I challenge this error at the pharmacy counter and was told by the pharmacist to leave the counter. I then disputed this charge with Capital One as " Goods/Services not as described '' and " Merchant Fraud. I provided Capital One with clear, photographic evidence of the 10-day sensors alongside the fraudulent 15-day label, as well as proof of my formal complaint to the Arizona State Board of Pharmacy . The Dispute Failure : Capital One initially issued a credit but subsequently reversed it. When I requested the documentation they used to make this decision, they provided only a single page from XXXX proving the debit was processed at the store. Capital One completely failed to investigate the substance of the dispute. I am not claiming the transaction didn't happen ; I am claiming the merchant committed fraud and medical malpractice by mislabeling critical medical equipment. By ignoring my photographic evidence and the Pharmacy Board complaint in favor of a " proof of swipe, Capital One has violated its obligation under the Fair Credit Billing Act to perform a " reasonable investigation. Ultimately, Capital One failed their fiduciary responsibility to protect me from clear merchant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: PA

Complaint narrative:
I am a Pennsylvania resident and obtained a {$5000.00} loan serviced by OppLoans ( Opportunity Financial , LLC ), originated by XXXX XXXX XXXX The loan carries an APR of approximately 158.36 %, with total payments exceeding {$13000.00}. This interest rate is far above what is permitted under Pennsylvania usury laws, which generally cap interest rates between approximately 6 % and 24 % depending on licensing. The lender is attempting to apply Utah law to this loan ; however, I reside in Pennsylvania, and the loan was marketed, serviced, and collected by OppLoans. I believe OppLoans is the true lender in substance, and this structure appears designed to evade Pennsylvania consumer protection laws through a rent-a-bank arrangement. This loan resembles a payday or high-cost installment loan, which is effectively prohibited in Pennsylvania. I am requesting that this loan be reviewed for compliance with Pennsylvania law and that any interest or charges in excess of legal limits be deemed unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
We are filing a complaint regarding Synchrony Banks handling of a {$26000.00} customer dispute that resulted in funds being withdrawn from our business account without proper notice or an opportunity to respond. We were recently informed that Synchrony processed a customer dispute related to a financed transaction ( Customer named XXXX XXXX, and that the funds were reversed accordingly. However, we were not provided any meaningful opportunity to respond to or defend the dispute prior to the reversal. Synchrony has indicated that notice of the dispute was made available through its internal merchant portal. However, this portal has not been actively used by our team in over a year ( we dont currently have an active account with Synchrony ), and we did not receive any direct notification of the dispute via email, phone, or any other method. As a result, we were completely unaware of the dispute and unable to respond within the required timeframe. Given the material size of the transaction ( {$26000.00} ), reliance solely on a dormant portal without any additional notification is not a reasonable or sufficient method of providing notice. This lack of notification directly resulted in our inability to defend the transaction and led to a preventable financial loss. We have requested that Synchrony : Reopen the dispute and allow us to respond on the merits Provide records showing when and how notice of the dispute was delivered XXXX what notification procedures are in place for disputes of this size To date, we have not received a satisfactory resolution. This situation reflects a failure in Synchronys dispute notification process and a lack of reasonable procedural safeguards to ensure that merchants are given a fair opportunity to respond before funds are removed. Requested Resolution : Reopening of the dispute and the opportunity to respond Reversal or recovery of the {$26000.00} unless and until the dispute is determined to be valid following a full and fair review Full disclosure of Synchronys notification procedures and records related to this dispute

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 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> i was checking by bank account as I frequently do. I saw 4 transactions from XXXX XXXX for XXXX each. I immediately called XXXX XXXX and told them I did not authorize this. I went to my XXXX XXXX app on my phone and saw these transactions stating it was to XXXX. I do not have a XXXX account, nor do I pay my bills with XXXX XXXX. The customer service rep gave me a case # XXXX. He advised me to call my bank and provide them with this number so they could call XXXX XXXX and correct this issue. I called VyStar and advised them of the fraudulent activity the next day as they were closed. I had to get a new debit card issued. I was reimbursed on XX/XX/year>. XXXX XXXX XXXX totaling XXXX. Then on XX/XX/year> i again was checking my account and saw where it was taken from my account XXXX XXXX XXXX XXXX XXXX XXXX totaling XXXX. I called my bank and they advised that XXXX XXXX said that all my information was given for these transactions and XXXX XXXX denied therefore VyStar revered their reimbursement and closed the case. I spoke to XXXX in the Fraud Dept who referred me to XXXX with the Dispute Fraud Dept and advised me to reopen the Case. I called XXXX XXXX and spoke to XXXX ( XXXX ) and she advised since the monies was no longer in the system that XXXX XXXX could not do anything. I asked who else I could speak to. She advised that XXXX XXXX did not have a " dept '' that handled reimbursement after it left the system. I looked online to get XXXX XXXX headquarter address to write the a letter as well.

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 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: ID

Complaint narrative:
I submitted a Public Service Loan Forgiveness ( PSLF ) buyback request on XX/XX/XXXX after reaching XXXX months of qualifying employment. I received confirmation of my submission and case number ( XXXX XXXXXXXX ), but have received no further updates. My current loan servicer, XXXX, has informed me that they are unable to proceed because they are waiting on Federal Student Aid ( U.S. Department of Education ) Servicing to calculate and provide the buyback amount. It has now been over XXXX months since my request was submitted, and Federal Student Aid has not completed or transmitted the required buyback calculation. As a result, my PSLF process is stalled despite having already met the qualifying employment requirement. I have attempted to obtain updates but have not received any meaningful information or timeline regarding when this calculation will be completed. This delay is preventing me from completing the PSLF process and receiving loan forgiveness. I am requesting : XXXX. ) Immediate completion of the PSLF buyback calculation from Federal Student Aid ( U.S. Department of Education ) XXXX. ) Transmission of the buyback amount to XXXX so my request can be finalized. XXXX. ) Confirmation that my buyback request will be processed under the rules in effect at the time of the buyback request submission ( XXXX, XXXX ). I believe this delay is unreasonable and request prompt resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have a credit card with Capital One that I opened in XXXX of XXXX, and it reports to all three credit bureaus. According to XXXX, I have made 100 % of my payments, but XXXX XXXX and XXXX are showing a missed payment in XXXX of XXXX. I have disputed this through the credit bureaus and have reached out to Capital One directly. All with the same result ; " this is being reported correctly ''. How can this be reported correctly when there are two different reports being made?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon checking my credit report I found unauthorized use of my credit and identity, a fraudulent acct was opened in my name, please remove immediately

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 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I attempted to withdraw the full amount of contributions from my robo Roth IRA at XXXX. {$530.00} was requested. All my investments were sold, my account was closed and {$440.00} was deposited into my checking account. I contacted SoFi and they stated per their terms a minimum amount is required to be kept in the account otherwise the account is automatically closed and the account owner is assessed a {$100.00} fee. I will not informed of that when I initiated the transfer. Now Im short the {$90.00} in contributions and any gains that the investments made which I think is {$10.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/year>, I received a text with a message say members have been added to your Navy Federal Credit Union account. I logged into my account and my account had {$16.00} in it. My account was compromised between the hours of XXXX XXXX and XXXX XXXX. Members were added members to my account using the member to member feature the Navy Federal offer. The first transfer occurred last night on XX/XX/year>. I called customer service to report fraud on my account as soon as possible and reported the fraud. Customer Service took my information and submitted a claim for fraud on my account. On the XX/XX/year>, I got an email that the claim was denied because I authorized the charges. I sent an appeal to review the claim and to end me supporting evidence of finds. I received a letter in XXXX stating that the decision would stand. The letter is dated XX/XX/year> but did not receive until mid XXXX. I total not recovered is {$14000.00} and will like info on finding and funds credited. This was not the only account that was compromised, it is the only company holding me liable for the fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
They lowered my credit limit without cause using made up reasons. My income last year temporarily tanked due to XXXX XXXX XXXX. Nonetheless, I made all payments on time and over the minimum required due to my reserve emergency account. Additionally, I am back to full time work, my income will actually be higher this year and by the end of XXXX I will have already paid back {$10000.00} in credit card debt. They refused to reverse their decision which was arbitrary and capricious. Their actions also caused my credit score to get worse by increasing my ratio of debt to available credit. Two other cards did the same thing at the same time, causing a cascading lowering of my credit score even though I met all my obligations. I will be complaining about hem as well.

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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Today is Monday, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX To Consumer Financial Protection Bureau REFERENCE : Citibank Unfair Business Pracdtices On XX/XX/year>, I requested a balance transfer to pay off higher interest credit card in the amount of {$5000.00}. Citi went ahead and put in the charge of {$5000.00} twice on my credit card. I have since then talking to Citis customer service in XXXX and XXXX XXXX without any resolve to my situation. My credit score went down XXXX points because of Citis mistake. I spoke to XXXX at Citibank Customer Service yesterday who promised that this situation will be resolved before this Friday. I need Citibank to rectify their mistake and to restore my credit score to the XXXX points that I lost since their mistake. Please let me know if you need further information in order to help me. Thank you. Respectfully, XXXX XXXX XXXX XXXX XXXX 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