vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 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: FL

Complaint narrative:
I just received a check for {$240.00} for a cfbp XXXX XXXX settlement/judgment based on misleading customers into forbearance and other credit issues. While that is good to see, I feel like I was prayed upon and that amount is nowhere close to what I paid. I finished XXXX XXXX XXXX in XXXX. We all know what happened with that school and the fraud that went on. I opened a XXXX XXXX XXXX XXXX XXXX XXXX ) with the Federal Student Aid Department almost XXXX years ago ( XX/XX/XXXX ). It has been sitting at " Application Decision/ Processing Discharge '' for XXXX years. XXXX years ago ( XX/XX/XXXX ). the remaining balance in my student loan ( around {$14000.00} ) was discharged as " Loan Forgiveness '' by the XXXX administration. I received a letter stating that the discharge was because how long the loan had been opened and being paid back. This means that it was not because of my XXXX XXXX XXXX, so I never saw any of that money back like many did under the XXXX XXXX XXXXXXXX settlement. This brings me back to XXXX From XXXX to XXXX, I paid {$27000.00} to Navient ( {$19000.00} was interest ). This was all for an XXXX XXXX XXXX XXXX that totaled less than $ XXXX and still had almost $ XXXX left when it was discharged in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Synergetic Communication Inc
State: CT

Complaint narrative:
Synergetic communication just called me trying to collect a debt for XXXX XXXX on services that was never performed and product that was never received or install. This sales person came in my home and gave me a quote for windows and I never received the windows installed. XXXX XXXX did not install new windows at my home at XXXX XXXX XXXX XXXX XXXX, Ct XXXX. This company is a fraudulent company and is trying to scam me the consumer out of funds for a job that was never performed. XXXX asking for this collection company to stop all harassment calls and XXXX reporting XXXX XXXX for lying and I need them to prove to me that they installed new windows. Any paperwork that was signed by me was to receive an estimate on windows because thats what the sales person said. So he lied to me stating the paperwork was just an estimate and for me to sign so he can get his commission stating he came to my home. So no windows was installed or purchased by me. They are trying to collect {$3000.00} for windows that I never agreed to having nor received this company is a FRAUDULENT ORGANIZATION

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Company : XXXX ( PayPal, Inc. ) Product : Money transfer / payment app Issue : Transfer missing/ never received What happened : On XX/XX/year>, I initiated a standard bank transfer from my XXXX account to my XXXX XXXX checking account in the amount of {$190.00}. XXXX claims the transfer was received by my bank on XX/XX/year>, and provided an internal reference number. I contacted XXXX XXXX by phone. XXXX XXXX confirmed that : They have no record of this deposit There is no pending or rejected ACH entry No ACH deposit matching this transfer was received I have reviewed all bank statements and transaction histories, and there is XXXX evidence of any deposit. XXXX has been unable to provide proof of delivery, including the destination routing number, destination account details, or an ACH return code. Their assertion that the funds were received is unsupported by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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:
I am writing a complaint against Navy Federal Credit Union regarding many overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagged posting of charges and credits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The payment timeline reflected for this account is inaccurate and fails to represent its true history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am disputing unauthorized bank account information that was added to my Capital One credit card accounts. I did not add or authorize this bank account and do not have access to it. Capital One has restricted all three of my accounts and is refusing to investigate unless I provide a photo of the bank account, which I can not do because it is not mine. I am requesting a formal fraud investigation and removal of the unauthorized bank information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Near the end of XXXX, I opened XXXX business accounts. I was told I needed to fund them by the end of the XXXX day. I funded them on day XXXX and yet both accounts were closed. I asked what happened and the only response was that I would need to reopen the accounts because even though they were funded by a different Chase account, the money was not in the account in time. So I said I wanted to open the same XXXX accounts. Instead of opening XXXX account for each of my XXXX businesses ( as we had previously ) when I went back to the branch to open to sign for the accounts, I signed for both accounts. However, when I got back to my office, I found that there was a checking account and a savings account both for XXXX business and nothing for the XXXX one. I have asked XXXX XXXX XXXX who opened my accounts ) XXXX times for a response and he has yet to respond. Both accounts were opened XX/XX/XXXX. Today is XX/XX/XXXX and he has yet to respond. I want to have the accounts I originally opened open and not have an extra account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My landlord opened a tenant security escrow account at Chase Bank. During that process, a Chase employee informed my landlord that I maintain an account at Chase and stated she was pulling my profile. The employee had my landlord call me while at the bank to obtain my date of birth so my profile could be accessed. I did not authorize my landlord to act on my behalf or to receive or transmit my personal identifying information. My personal account was then renamed tenant security account without my consent or prior notification. I believe my financial information and customer relationship were disclosed without authorization and that my account was accessed and modified improperly. I request a formal privacy and security investigation, restoration of my account records, and written confirmation of who accessed my account and under what authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
I called XXXX BANK cardmember services on XX/XX/XXXX at XXXX am XXXX XXXX product change my card XXXX they said per their policy the annual fee would be refunded within XXXX days. I called back on XX/XX/XXXX XXXX they said I still had XXXX wait a week. I called on XX/XX/XXXX XXXX they said it was XXXX days. I called XX/XX/XXXX XXXX they said it was XXXX billing cycles. I spoke to XXXX different people on XX/XX/XXXX XXXX they said XXXX different dates. XXXX person said that I'm not eligible for a fee refund. Everyone I've spoken XXXX along the way has said that they're adding notes XXXX the account XXXX every next person has said they're no notes in the account except XXXX who I spoke XXXX on XX/XX/XXXX who said the notes say I called XXXX rescind my product change XXXX so they put me back on the {$400.00} card WITHOUT MY CONSENT. I have told them every time I just don't want XXXX pay an annual fee XXXX they are just doing all these things on my account without my permission. XXXX said that she could cancel my card immediately XXXX they would refund the fee per my card member agreement but could not tell me where I could read that in my card member agreement or where I could validate it. This directly contradicts what the last person I spoke XXXX on XX/XX/XXXX said, which was that if I closed the account they would no longer be able XXXX access it XXXX I wouldn't be able XXXX get the fee refund. They're claiming a XXXX will call me back but they can't say when or how but if I gave them my availability they would do it in that window. I called back on XX/XX/XXXX again after the XXXX did not call in the agreed upon window XXXX spoke with XXXX. She said that a XXXX had XXXX review the case but that she could not even see that the original annual fee reversal request had been submitted XXXX that I would never have been refunded the annual fee anyway. She said that she could not tell me when a XXXX would call, but theoretically it was within XXXX hours ( this is the XXXX person that has told me this XXXX I have never received a XXXX call back ). She also said it is definitely not true that I would get a fee refund if I cancelled today because it is past the XXXX days.

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
On XX/XX/year>, I booked a XXXX hotel stay through XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a XXXX charge XXXX {$1000.00} to my Apple Card issued by Goldman Sachs Bank USA. The booking was marked as non-refundable. On the night of XX/XX/year> ( night XXXX of the stay ), the guest discovered bed bugs in the room. I have XXXX photographs clearly showing bed bugs taken on XX/XX/year>. Due to this health and safety hazard, the guest immediately vacated the room at approximately XXXX PM that night. On the morning of XX/XX/year>, we processed early checkout with the hotel. The hotel provided a checkout folio with a handwritten checkout date of " XX/XX/year>. '' That same day, XX/XX/year>, the hotel refunded the damage deposit to the guest 's card, confirming they acknowledged and processed the early departure after only XXXX nights of a XXXX stay. Later on XX/XX/year>, the hotel left a voicemail stating they found no bugs and would not provide a refund. The booking platform XXXX also refused to refund the reservation. On XX/XX/year>, I filed a dispute with Goldman Sachs Bank USA for {$870.00}, representing the XXXX nights of lodging not received ( XXXX nights total minus XXXX nights stayed ). I submitted the following supporting documentation : -XXXX photographs of bed bugs taken XX/XX/year> -Hotel checkout folio showing handwritten XX/XX/year> checkout date -Hotel voicemail from XX/XX/year> refusing refund -XXXX chat transcript refusing refund Goldman Sachs provided XXXX XXXX credit while investigating. On approximately XX/XX/year>, Goldman Sachs denied my dispute, stating " Based on available information, we determined the goods or services were accurately represented at the time of the purchase. '' They reversed the temporary credit of {$870.00}. This denial is unreasonable and incorrect. The room was uninhabitable due to a documented bed bug infestation - a recognized health hazard. I provided clear photographic evidence of bed bugs. The hotel 's own documentation proves they processed early checkout and refunded the damage deposit, acknowledging the guest left after XXXX nights. " Non-refundable '' policies do not override health and safety violations or breach of implied warranty of habitability. I paid {$1000.00} for XXXX nights of safe, pest-free lodging. I received only XXXX nights before the room became uninhabitable. Goldman Sachs ' determination that a bed bug-infested room was " accurately represented '' is factually incorrect and ignores substantial photographic evidence of a health hazard.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
My grandma ( of a sound mind ) sends me a check for {$5000.00}. Do a mobile deposit on XX/XX/26. Rejected. Called customer service, said they couldnt reach her. Tell grandma to be on the lookout for a call. Deposit again on XX/XX/26, she speaks to them. Declined. Call again, customer service says the front image was not clear. Deposit again on XX/XX/26. Now, theyre closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is illegally re-aging a collection account and reporting false credit information. Midland is reporting the account as opened XX/XX/XXXX, which reflects their purchase date of the debt rather than the original open date of XX/XX/XXXX or Date of First Delinquency, which occurred in XXXX or XXXX. The XXXX XXXX charge off date is listed by Midland as XX/XX/XXXX. This constitutes illegal re-aging in violation of the Fair Credit Reporting Act. Re-aging the debt falsely makes this old account appear new, with new delinquency dates, damages my credit score, and improperly extends the reporting period. I previously disputed this inaccuracy with the credit bureaus and sent a debt validation request to Midland Credit Management via certified mail. Despite this, Midland replied on XX/XX/XXXX with the date information yet they continue to furnish inaccurate information to the bureaus, and the credit bureaus continue to verify it. This inaccurate reporting has caused significant credit harm resulting in excessively high interest rates and inability to be approved by preferred lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
Loan for the amount of XXXX and they are taking me to court but didnt receive the witness signature they are sueing more Scott and associates name of company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
0n XX/XX/year> I requested a debt validation letter and all documents concerning all XXXX of them accounts. I never received a response. All the balances are incorrect.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally respond and continue disputing the alleged balance associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. First, I moved out approximately XXXX month earlier than the date being used for these charges, and I believe I am being significantly overcharged for early lease termination. I am currently being charged approximately {$2300.00} for early termination when my monthly rent was only {$110.00} for the month of me leaving. This amount does not make reasonable sense and appears excessive and inaccurate. Additionally, I am being charged approximately {$2000.00} for an insufficient notice penalty. This is incorrect. I personally went to the leasing office and spoke with staff directly about my reasons for vacating the apartment. I did not abandon the unit or leave without notice. I made a good faith effort to communicate with management before leaving. I also dispute the charges related to carpet replacement and tile repairs totaling approximately {$280.00}. I took good care of the apartment and cleaned it thoroughly upon move-out. The carpet damage should not be my responsibility, as there was an ongoing maintenance issue with the bathtub leaking. Management was aware of this issue, and repairs were made to the tub before I moved out. Any carpet damage related to that leak should be considered a maintenance-related issue, not tenant-caused damage. Furthermore, I was charged an additional {$100.00} in damage fees, but I have not been provided documentation explaining what damages this fee is for. I dispute this charge as well. Overall, I believe these charges are inaccurate, inflated, and unfair. I understand you may have documentation on file ; however, documentation does not automatically mean the charges are valid or accurate. Because of the disputed repairs, excessive termination fees, and questionable balance calculations, I am requesting this account be removed from my credit reports. I have the right to dispute incorrect balances and repair charges that I do not owe. Please provide full validation of all charges, including itemized move-out statements, inspection reports, photos of alleged damages, maintenance records regarding the leaking tub, and documentation showing how these balances were calculated. I request that this account continue to be reported as disputed with all credit reporting agencies. If the balance can not be fully verified as accurate and valid, I expect this account to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: AZ

Complaint narrative:
I requested the charges that they were seeking from me. XXXX identical financial statements ( dated XX/XX/XXXX & XX/XX/XXXX ) were sent to me, and it is from the original bill that has been paid. I sent them a receipt for this paid bill. The receipt shows that I paid this bill on XX/XX/XXXX, for services in XX/XX/XXXX. I contacted the XXXX XXXX XXXX XXXX in XXXX XXXX, AZ. They confirmed that no money is owed, and I relayed this info to the Debt Collection Agency. They insisted that I still owe the money. Attached are the medical bill dated XX/XX/XXXX and the receipt dated XX/XX/XXXX, which show a XXXX balance on account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I have made several attempts to make my final payment on my student loans since XX/XX/XXXX. My last correspondence with the company was that I owed {$2000.00} and I paid that amount while on the phone with them on XX/XX/XXXX. so I XXXX owe any money. My account still shows a negative balance on loan XXXX and a positive balance on loan XXXX and the difference is now up to {$5.00} due to accruing interest. XXXX asked the company repeatedly to fix this and I have been told it'll take XXXX days to show my account as paid in full. They still XXXX given me my paid in full letter and every time I try to talk to them about why my account still XXXX fixed they give me the run around.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-19 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have spoked XXXX someone by the name of XXXX at the Chase Bank in XXXX Ohio XXXX she was supposed XXXX send me a copy of the statements so that we can determine what items were purchased. She told me that it was determined that it was fraudulent charges XXXX it was being taken care of. She was also supposed XXXX send a paper in the mail stating that it was being taken care of. I still have not received neither paper in the mail or XXXX my email address. This has been an ongoing problem that we have been trying multiple times XXXX get it taken care of. I had spoken XXXX her XXXX XX/XX/year> XXXX she told me that she would send it out XXXX a gift card for all the troubles we have had. I had also spoken XXXX a XXXX XXXX XXXX via phone call XXXX email.

Company response to consumer: Closed with explanation