vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I am filing this complaint against Nelnet regarding XXXX federal Direct Unsubsidized Loans serviced from XX/XX/XXXX through XX/XX/XXXX, all consolidated on XX/XX/XXXX. Official XXXX government records confirm XXXX serious violations : ISSUE 1 SYSTEMATIC FORBEARANCE STEERING : Nelnet applied forbearance periods simultaneously across all six loan accounts on identical dates proving these were administrative rather than borrower-requested. Forbearances were applied after IBR enrollment on XX/XX/XXXX despite a scheduled payment of only $ XXXX, denying me IDR qualifying payment credit I was entitled to receive. Each unauthorized forbearance caused interest to accrue and capitalize into principal. ISSUE 2 ONE-DAY FORBEARANCES : Three forbearances lasting exactly one day were applied across all six loans simultaneously : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not legitimate hardship forbearances and appear to be administrative manipulation of payment status tracking. ISSUE 3 DELINQUENCY-DRIVEN CONSOLIDATION WITHOUT XXXX XXXX : Official records confirm delinquency date XX/XX/XXXX 29 days before consolidation XX/XX/XXXX. The legally required servicer response was IDR re-enrollment producing a {$0.00} qualifying payment to cure delinquency. Instead consolidation was facilitated, permanently erasing 21 months of accumulated XXXX qualifying payments and capitalizing {$10000.00} in interest into the new principal. I was not informed consolidation would reset my qualifying payment count to zero. I submitted a Qualified Written Request to Nelnet via certified mail XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
My computer was remotely taken over and I was told that hackers had taken control of my computer, phone and bank accounts. I was told that the only safe way to protect my money was to move it to a different account and that the only way to do that was to wire transfer the money. I was told not to contact anyone else about it because the hackers could be watching or listening. I followed the instructions, went to my bank, and wired the money to the bank account information I was given. This was in the amount of {$49000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: OH

Complaint narrative:
My son bought XXXX. I have XXXX disputes XX/XX/XXXX XXXX twice. Twice XX/XX/XXXX XXXX XX/XX/XXXX XXXX For another company affiliated with XXXX XXXX was spent On XXXX website it says if you file a dispute you cant get your money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: NC

Complaint narrative:
The company named Conserved stating that I owe a debt from XXXX XXXX XXXX college but I have documentation stating my balance is XXXX but to my student loans have been waived and balance is {$0.00}. Can provide documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MS

Complaint narrative:
To Whom It May Concern, I am formally disputing the actions taken regarding the alleged replevin and collection matter associated with this property and account. I did not receive proper notice of any replevin action by certified mail, registered mail, regular mail, or personal service. I was never properly served notice of any court proceeding, yet a court date was apparently scheduled and/or actions were taken without my knowledge. Additionally, notice and private account information were allegedly provided to an XXXX individual residing over XXXX miles away who is over XXXX XXXX XXXX, does not manage my financial affairs, and has no authority or understanding regarding my mortgage or property matters. I believe this disclosure may have been improper and unauthorized. Furthermore, this manufactured home and related property interests are subject to UCC-1 filings and protections associated with my standing trust. I am requesting that your company review, acknowledge, and respond to the following filings : UCC-1 filing recorded in XXXX XXXX XXXX Georgia in 2010 Current active UCC filings associated with this property and trust I request copies of all documents relating to this matter, including but not limited to : Proof of service Copies of all notices allegedly mailed or delivered Dates and methods of service Court filings and case information Documentation supporting your legal authority to proceed against this property Until proper verification and documentation are provided, I dispute the validity of these proceedings and request that no further action be taken against this property. Please respond in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have an installment loan with Affirm ( Loan ID : XXXX, {$1300.00} ) for a purchase from XXXX XXXX XXXXXXXX XXXX I returned the item and the merchant fully cooperated, processing a full refund and providing me with both a written confirmation email and a refund transaction receipt. Despite submitting this documentation to Affirm multiple times, Affirm has repeatedly closed my cases and claimed they have 'no record of a refund from the merchant. ' However, Affirm 's own payment processor contradicted this in XXXX ID XXXX, stating : 'there is already a refund for the transaction in which the refund and dispute amounts sum up to more than the original transaction amount. The dispute was automatically rejected due to this discrepancy. ' This is a direct admission that Affirm 's system has detected the refund it was simply mishandled due to XXXX XXXX 's device tokenization, which assigns a different virtual card number than the original Affirm card number at checkout. This is standard XXXX XXXX behavior and does not change the fact that funds were returned to an Affirm-issued instrument. Affirm has opened and closed multiple cases ( XXXX IDs XXXX and XXXX ), sent me repeated identical templated responses denying the refund exists, and is continuing to bill me on a loan for money that their own processor confirmed has already been returned. I am attaching screenshots of Affirm 's processor statement, the merchant 's refund receipt, and the merchant 's written confirmation email as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: TN

Complaint narrative:
I sent a family member a XXXX payment of {$480.00}, which I immediately canceled because I realized she didnt have XXXX XXXX The payment shows canceled on my end. It says that the recipient received no payment and I sent no payment. XXXX then withdrew {$480.00} from my XXXX balance. There was {$140.00} available that they took and are trying to collect on the remaining {$340.00} balance. This money was never sent and should not have been taken from my account. I have called support 5 times and opened 6 different chat supports with XXXX. None have been able to resolve this even after they escalated the issue. There is also a {$480.00} refund showing processing in my XXXX account, it has been processing since XX/XX/2026. This refund process would probably correct the issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
On XX/XX/year>, Santander Consumer USA repossessed my vehicle the same day I received my only email notification about repossession, giving me no reasonable opportunity to respond or make payment arrangements. Prior to repossession I contacted Santander and offered to pay {$400.00} per week to resolve my past due balance of approximately {$2400.00}. Santander refused any payment arrangement. This offer and my financial hardship were documented in their own account notes. Santander had been sending notices to an outdated address on file, meaning I was not receiving proper notification about my account status. The repossession agent told me at the scene that if I called Santander in the morning and set up a payment plan I could get the car back the next day. When I called XXXX reinstatement department they refused any arrangement and demanded {$2900.00} in full immediately or the vehicle would be sold at auction in XXXX days. I need this vehicle for employment. This was also documented in XXXX own account notes. XXXX refusal to work with a borrower who made an aggressive good faith payment offer, combined with improper notice procedures, has caused severe financial hardship to my family. I am requesting Santander honor a payment arrangement to redeem my vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
On XX/XX/year>, I was sitting at my desk with my XXXX XXXX XXXX XXXX phone open in front of me, with XXXX on AutoScroll so I could be handsfree. The feed stopped at a lab grown diamond auction, one I inquired on a cushion cut diamond in and then set my phone back down. Within 2 min of last touching my phone, I received notifications that I won an auction for {$710.00} for a radiant cut diamond over 3ct. I did NOT bid on this. I immediately reached out to the seller, XXXX, and PayPal for assistance as I panicked at this very large purchase. XXXX said the seller had to cancel the order, the seller said they could not cancel it and XXXX had to. It is important to understand the seller WANTED to cancel it for me. XXXX blocked them. I reported this to PayPal as fraudulent, requesting the funds be reimbursed so the order can be canceled and they came back within 2 hours siding with XXXX. After a week of fighting this, I waited for the package to arrive. I opened the package in front of a camera so my partner could see what this issue was all over, and upon opening the package, THERE WAS NO DIAMOND. Just paperwork, no actual gem. PayPal refuses to allow me to dispute under Item Not Received now, they refuse to allow me to give them the proof or dispute the transaction in ANY and all forms. XXXX is also providing the same pushback. So XXXX and this seller are both fraudulently creating orders, taking money, refusing returns or refunds or any investigation, and is likely stealing millions from consumers. All Iw ant is my money back and better avenues for disputes for consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
A computer laptop was purchased originally through XXXX XXXX. XXXX recently transferred the management of the outstanding debt to bread financial / comenity. Last month comenity put a {$2.00} " Paper statement fee '' on the account without a notification that this fee would be put in place. I communicated with comenity that I would change to paperless billing and they should refund the {$2.00} " paper statement fee '' since they did not communicate this fee was going to be instated. Customer support refused to refund the {$2.00} fee even after I immediately changed over to paperless billing. This was a change in the billing/payment process that was not established when I started the credit line and was not communicated correctly when they decided to attach the fee to my account. The money to me is trivial, but I feel comenity is taking advantage of a group of people at a greater scale. This profiteering should not be allowed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I disputed a Comenity BankXXXX XXXX account because the account was verified and updated on my credit report even though my bank states there is no record of XXXX attempting to withdraw funds from my account. My bank also stated they can not confirm that any attempted transaction or return occurred. I submitted new bank evidence through XXXX, but the account was still verified and updated. The account is now reporting as charged off with a past-due balance, and the reporting continued to update after my dispute. I am requesting that Comenity provide documentation proving the alleged payment attempt and return, including the XXXX XXXX ID, XXXX XXXX, transaction date, amount attempted, bank account information used, and proof that the payment was submitted to and returned by my bank. If XXXX can not provide documentation showing the payment attempt and return, I am requesting that the account be corrected or deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: CA

Complaint narrative:
Comerica/XXXX XXXXXXXX is withholding {$620.00} in Social Security funds due to a duplicate hotel authorization hold that the merchant already released. The hotel was already paid in full, but XXXX XXXX continues to keep a second {$620.00} hold on my account, blocking access to my benefits. I provided Comerica with the merchants release, the transaction details, and confirmation that the hotel received payment. Despite this, Comerica refused to remove the duplicate hold or issue a provisional credit. A supervisor repeatedly stalled the call, then terminated the call without resolving the issue. This has left me with no access to my Social Security funds, no food, no gas, and no ability to pay for basic needs. Comerica failed to follow required procedures for handling authorization holds, failed to process a provisional credit, and failed to provide access to federal benefit funds. I am requesting immediate release of the duplicate hold, restoration of access to my Social Security funds, and a review of Comericas handling of this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have been a good standing customer at BOA and have a credit card through them. I don't use this card and decided to use it for a large purchase. In XXXX I intended to pay the balance in full and made the total amount due of {$4600.00}. I never received another statement since and looked at my credit score, in XXXX and noticed it went down considerably. I immediately noticed a {$64.00} charge from BOA for what they are calling residual interest and made that payment, obviously late that day ( XX/XX/year> ) I am never late and do not want this to adversely affect my credit score as it currently has. I have contacted BOA 3 times talking to managers and they state nothing can be done. Can you please help me in this matter? The account is now, I believe, paid in full and BOA has lost a long-standing customer. Thank you again.

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 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
" I am filing a formal complaint against THE CBE GROUP regarding an inaccurate collection account for {$2000.00} ( Date opened : XX/XX/XXXX ). This debt stems from predatory practices by XXXX. In XX/XX/XXXX, I transferred XXXX lines to XXXX XXXX without being informed of a XXXX contract or early termination fees. In XX/XX/XXXX, I relocated from XXXX XXXX XXXX, XXXX XXXX, TX XXXX to XXXX XXXX XXXX, XXXX, TX XXXX, an area with no XXXX coverage. To comply with terms, I paid a {$20.00} reactivation fee on XX/XX/XXXX, to keep XXXX line active. Despite this, XXXX disconnected my entire service and fraudulently charged {$1900.00} to my XXXX XXXX card on XX/XX/XXXX. I disputed this charge with XXXX XXXX, and they immediately refunded the money after validating the merchant error ( proof attached ). Spectrum then inflated the amount to {$2000.00} and sent it to THE CBE GROUP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a XXXX XXXX for XXXX years, enrolled in paperless statements. My billing cycle ends on the XXXX of the month, and I received an email on XX/XX/XXXX notifying my that my paperless statement is available online. The website shows an error message when I attempt to download or view the PDF of my current statement. It is XX/XX/XXXX and I still can not download the current statement. I asked for help online and was given the following statement in the chat : " I hope your day is going well so far! I certainly understand your concern with not being able to see your statement online or on the app. We are aware of the issue, and we are working to have this fixed as soon as possible. In the meantime, at our full website, your Account Center Home page will display the full statement balance and minimum due, and you can navigate to Activity and Statements, select Show Me and then the Current statement to view the transactions in list form only to see your charges for the period. You can view the Statement Summary tab in the app to see the same basics, or tap All Activity, then select the current billing period dates to see your itemized list there for now as well. Keep checking back periodically online for the PDF statement. No estimated timeframe is currently available however we are working diligently to restore access and very much appreciate your patience in the meantime. Please let me know if you have other questions about the current statement right now and I am happy to answer them for you! '' Although XXXX provided a " solution '' this is not an official credit card statement. I expect that they would have emailed customers that there is a problem with online statement downloads, how long exactly to wait before the problem is expected to be resolved, and further updates on the process of restoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ascension Point Recovery Services, LLC
State: WA

Complaint narrative:
Bascially, this company Ascension Point thru XXXX is trying to collect a debt that my deceased wife had. Which is just under {$3200.00} My Tax Attorney has told me, I am not responsible for the debt, my name is not listed as a co-signer for the 'credit card '. And that my deceased wife, thru her estate does not have enough assets to pay off the debts that she collected. Told the company to quit calling me, and that all communications are to be thru the mail and not the telephone. But this company will not listen, they keep calling..

Company response to consumer: Closed with non-monetary relief