vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 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: NM

Complaint narrative:
I submitted a Borrower Defense to Repayment application ( case # XXXX ) on XX/XX/XXXX related to XXXX XXXX XXXX, with an enrollment period of XXXX. My application moved to submitted status on XX/XX/XXXX. Per Department of Education guidance, borrowers with a pending Borrower Defense application should be placed into administrative forbearance. The Department of Education has indicated that this process is automated. When a Borrower Defense case moves from applied to submitted status, the system is supposed to notify the loan servicer ( MOHELA ) electronically so that administrative forbearance can be applied. However, MOHELA has repeatedly stated that they have not received any notification from the Department of Education and has refused to place my loans into administrative forbearance. Instead, MOHELA has placed me into hardship forbearance, which is limited and continues to be used despite not being the correct forbearance type. MOHELA has also stated that loans prior to XXXX may not be eligible for Borrower Defense discharge. This is concerning because my active Borrower Defense case with the Department of Education covers my XXXX XXXX enrollment period of XXXX. Determinations regarding Borrower Defense eligibility are made by the Department of Education, not the loan servicer. I am not asking MOHELA to determine eligibility, but these statements have added confusion while my account remains unresolved. As a result, I am being held responsible for payments that should not be due while my Borrower Defense application is pending. My account is at risk of delinquency, which may negatively impact my credit. I have made multiple attempts to resolve this issue by contacting both MOHELA and the Department of Education. The Department of Education indicates that the notification process is automatic, while MOHELA continues to state that no notification has been received and is requesting documentation that I do not have access to. This has created a situation where I am unable to obtain the appropriate administrative forbearance despite following the proper process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rainier Financial Group, LLC
State: ID

Complaint narrative:
XX/XX/year> XXXX dollars was garnished from my check I was never served with paperwork or spoke to anyone about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
So on XX/XX/year> I renewed my policy with XXXX XXXX. Previously that had reported a past due debt to Caine and Weiner for XXXX. Caine and Weiner stated they will not remove. The debt is paid in full to XXXX, but they will not remove from my credit report. I previously paid another debt to Caine and Werner for XXXX and that was removed from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I had an account with Chime on XX/XX/year>. I dont use it very often but I use it to put money from my check on there to pay bills, so I went to check my account and someone had tried to transfer funds from another account, so I called them and told them what happened I went through the steps with the person on the phone to change my password and everything was fine, but when I went to login it said closed for security reasons. I called them back and they said they couldnt tell me why my account is closed I said I was just on the phone with you to change my password and my email address cause someone hacked my account and they said sorry and hung up. Im not at all pleased with their customer service. I have other accounts but it was easier cause my children had it to and they closed their accounts for the same reasons. Im very upset and I have asked them several times but keep getting the same answer and I keep telling them its my account I only use it for bill purposes. Can someone please help me understand this or help me get my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EGL US, LLC
State: FL

Complaint narrative:
The company stated that the debt was sold on XX/XX/year> to XXXX XXXX XXXX XXXX and a promissory note with no signature as validation. Upon opening the letter, it shows XXXX XXXX XXXX is the debt collector. So based on that information, this debt is being reported on my credit report twice. The original creditor should STOP reporting and delete the account IMMEDIATELY because that is a violation of the Fair Credit Reporting Act. In addition, the account was not fully validated. I requested a full chain of title ( custody ), breakdown of balance, full account history, and proof of licensure in my state, and I haven't received any of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Chime regarding the unauthorized and unjustified closure of my account. On or around XX/XX/year>, I received a notice stating that my Chime account is scheduled to close on XX/XX/year>. I did not request this closure, nor was I given any prior warning or clear explanation. I had filed three legitimate disputes on my account : Repeated charges from cancelled subscriptions A wrong pizza order Charges from a merchant that is now out of business due to FDA issues These disputes were valid and reasonable and included supporting documents to prove my request for disputing charges as valid. Instead of addressing them appropriately, Chime has chosen to close my account entirely. I have attempted to resolve this matter by phone multiple times. Each time, representatives refused to provide a clear reason for the closure, would not transfer me to a supervisor, and repeatedly hung up on me. This has left me unable to access my funds or resolve the situation. Closing my account without valid reason or proper due process has caused me significant financial stress and hardship, especially as a single mother managing a new move and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> My dispute was closed. I made hotel reservation through booking.com, instead of changing reservation, I canceled the original and made another reservation within XXXX hours. However booking.com told me the charge was from hotel and I contacted hotel and that wasnt the case. They refuse to return my money.

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 2026-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: OH

Complaint narrative:
So this hospital about XXXX XXXX minutes from me says I visited XX/XX/year> and have a medical bill of XXXX $ I had health insurance then and Ive never ever been to a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account was closed because I was a victim of a scam I called the bank and let them kno Ive been scammed into thinking I was about to receive a loan when in actuality they just scammed me and now bank is closed with government deposit being frozen

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 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I originally had a payment plan for {$50.00} per month, and due to a hardship I was unable to pay and called the attorney numerous times to make arrangements but they never responded. they took me to court and refused to work with me and now they are attempting to garnish my wages 10 % which I cant afford at this time. I want to resume to {$50.00} a month or settle the total amount owed for a lesser amount

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 2026-05-01 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: U.S. BANCORP
State: CA

Complaint narrative:
This is a follow-up to CFPB complaint XXXX, which US Bank closed via XXXX XXXX XX/XX/XXXX ( signed by XXXX XXXX, XXXX XXXX Head of XXXX Complaints ; case number XXXX ). The bank 's response did not address the issue I raised, and the follow-up number the bank designated is unattended. The disputed charge is {$340.00} dated XX/XX/XXXX, appearing on my business credit card statement as GUESTRS * XXXX XXXX CT. I disputed it on the basis of merchant misrepresentation. I was directed to a website that mimicked the legitimate XXXX booking experience and believed I was booking directly with XXXX XXXX XXXX for a one-night stay on XX/XX/XXXX. The booking was processed by a third-party operator, Guest Reservations, which collected a non-refundable service fee, refused to assist with adding my cat to the reservation, and directed me back to the hotel for any further questions. I made a separate direct booking with the hotel to complete the stay. I did not dispute refundability. I disputed merchant identity at point of sale. US Bank 's XX/XX/XXXX letter responded only on refundability, citing that the merchant disclosed its terms and conditions at the time of purchase. The letter does not address the merchant misrepresentation issue I raised. When the charge first appeared as pending on my account, the merchant descriptor was " XXXX. '' After settlement, the descriptor changed to " XXXXXXXX XXXX XXXX XXXX' US Bank 's own transaction records will reflect this. Guest Reservations is the subject of FTC warnings and thousands of consumer complaints describing the same pattern of hotel website impersonation. The XX/XX/XXXX letter directs me to call XXXX with case number XXXX for follow-up. I called this number twice on XX/XX/XXXX and once on XX/XX/XXXX. Each call went to voicemail ; I left messages on each attempt. None have been returned. This is a business credit card account. Desired resolution : XXXX. Investigation of the merchant misrepresentation issue, including review of the pending-state merchant descriptor on US Bank XXXX XXXX records. XXXX. A response that addresses merchant misrepresentation rather than refund policy. XXXX. A working point of contact for case-specific follow-up. Reference details : - Disputed amount : {$340.00} - Transaction : XX/XX/XXXX, XXXX * XXXX XXXX CT - Booking : XXXX XXXX XXXX, XX/XX/XXXX - Original CFPB complaint : XXXX - US Bank 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
Consumer complaint received 2026-05-01 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: PA

Complaint narrative:
Contacted Aidvantage on XX/XX/year> regarding amount of IDR payment that seems to be too high. Asked how amount of monthly payment amount of {$250.00} was calculated and was advised amount is based off of total Gross income. I indicated calculations should be based off of Adjusted Gross income and a request was entered for recalculation on monthly IDR payment. I also requested beginning balance of student loans when received from XXXX and was told that information was not available and couldn't be provided. My interest has gone up significantly and I am unable to get the information that should be available. Aidvantage is calculating monthly repayment amounts incorrectly and only did a review when I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: FL

Complaint narrative:
I took out a {$1000.00} installment loan with Uprova and ultimately repaid over {$2300.00}, including {$1300.00} in interest alone. My payment history includes the following payments to Uprova : - XX/XX/year> : {$280.00} - XX/XX/year> : {$280.00} - XX/XX/year> : {$280.00} - XX/XX/year> : {$280.00} - XX/XX/year> : {$910.00} - XX/XX/year> : {$290.00} These payments show that I paid significantly more than the original {$1000.00} loan amount. Additionally, based on the loan terms, the total repayment over the full term would have exceeded {$4000.00} on a {$1000.00} loan. I believe the interest rate and fees charged are excessive and may not comply with Florida lending laws. The amount of interest alone exceeded the principal, which raises serious concerns about the fairness and legality of this loan. I requested that the company provide proof that it is licensed to lend in the state of Florida and explain how these charges comply with applicable laws, but the matter has not been resolved. I am requesting a refund of all interest and fees paid beyond the principal amount.

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 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Associated bank is holding my money that was a refund for an mis charge on a gym contract. The bill was paid in full beforehand and paperwork was given to the bank in person and emailed. The gym gave them proof and records that they do not have the money and have refunded it. Associated bank got the {$80.00} back and didnt give it to my account or to the gym they kept it and refuse to look into it any further. No help was given they simply stole {$80.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I world like to be able to keep my account. It is not my fault that someone stole my credentials. That is not fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint against Bank of America for improperly denying my fraud claim and failing to comply with federal law. On XX/XX/2026, I disputed unauthorized electronic transactions totaling {$1200.00}. I did not authorize these transactions, did not provide consent, and did not receive any goods or services. Bank of America denied my claim based on the assertion that the transactions were authorized because they were conducted using my device and/or XXXX XXXX. This reasoning is legally insufficient. Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005 ), an electronic fund transfer is considered authorized only if it is initiated with the consumers actual knowledge and express consent. The use of a device, IP address, passcode, or biometric authentication ( such as Face ID ) does NOT, by itself, establish authorization. Unauthorized use of a device even if it appears linked to the consumer does not meet the legal standard for authorization. Bank of America has failed to demonstrate that I provided valid consent for these transactions. They have also failed to provide sufficient evidence to support their conclusion, despite my request for documentation such as IP logs, device identification data, and merchant verification. Under 12 CFR 1005.11, the bank is required to conduct a reasonable and good-faith investigation. Denying my claim based solely on internal technical indicators, without proving actual authorization, does not satisfy this legal obligation. I am requesting the following : * Immediate reopening and escalation of my claim * Reimbursement of the full disputed amount of {$1200.00} * Full disclosure of all evidence used in the investigation, including technical and merchant records If this matter is not resolved promptly, I will pursue further action through regulatory enforcement channels and legal remedies.

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 2026-05-01 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: KS

Complaint narrative:
Date is monthly. My Indigo Mastercards are paid off completely but the company continues to charge a {$5.00} monthly fee. I have XXXX cards with them.Concora credit. Thats {$60.00} a year for each card and they annual fee was supposed to be {$49.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Everi Payments Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$300.00} in cash from an Everi ATM located at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, New Jersey. Due to confusing and misleading menu options on the Everi ATM interface, I accidentally initiated a debit transaction instead of a cash withdrawal. I did not receive any cash or benefit from the transaction. My card was charged {$310.00} ( including fees ). I reported the error to XXXX XXXX staff on-site, who confirmed the mistake and told me the transaction would be reversed within 57 business days. That window has now passed and no refund has been credited to my account. I then sent a written refund demand directly to Everi, which has also gone unresolved. I am requesting the CFPB compel Everi to issue an immediate full refund of {$310.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Purchased furniture from XXXX on XX/XX/XXXX for {$5300.00} and starting making payments in XXXX of XXXX. During XXXX of XXXX the sofa that came with the purchase did not hold up to standards. I contacted XXXX XXXX and was told that they could not pick up the couch due to XXXX and would not replace it. All payments for the amount of {$5300.00} as been fulfilled even though XXXX would not replace the couch. As of XXXX, I received a charge for an additional {$5000.00}, which means I would be paying {$10000.00} for a {$5000.00} purchase. Synchrony Bank has charged off the account and filed a lawsuit against me. Synchrony Bank violated it's own arbitration clause stated in the application agreement. I have requested whether a 1099 C was presented to the Internal Revenue for this account and my copy. I have requested a copy of the accounting/payment ledger and have not received any of it. I keep receiving the statements from XXXX and not XXXX that I have requested. Synchrony Bank is known for deceptive marketing and improper credit card management. Synchrony Bank faced a {$220.00} XXXX dollar penalty and a {$3.00} XXXX settlement over harassment, along with illegal interest rates.

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 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing this complaint regarding Chimes handling of a dispute in the total amount of {$1800.00} ( {$1300.00} + {$500.00} ), which I reported on XX/XX/year>. The dispute involves payment for services that were never rendered. I provided supporting documentation to substantiate my claim, including proof of payment and communication attempts with the merchant. Despite this, Chime denied my dispute without what I believe to be a reasonable or thorough investigation. Since filing the dispute, I have made multiple attempts to resolve this matter directly with both Chime and the merchant. The merchant has become unresponsive and previously displayed aggressive behavior, making further contact unsafe and inappropriate. I have also filed a complaint with the XXXX XXXX XXXX but have not received a response or resolution from Chime. I am requesting that Chime conduct a proper and thorough investigation of my dispute in accordance with consumer protection regulations and reconsider the denial of my claim. This matter involves a significant financial hardship, and I am seeking a fair resolution and reimbursement of the disputed amount. I am submitting this complaint in good faith and expect accountability and compliance with applicable consumer financial laws.

Company response to consumer: Closed with explanation