vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Request for Full Discharge of Student Loans Due to NAVIENT Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by NAVIENT due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. 
NAVIENT misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, NAVIENT has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which NAVIENT has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). NAVIENT conduct has caused me significant financial harm, mental distress, and a longterm burden that could have been avoided with honest and fair guidance. As a borrower who relied on NAVIENT advice and entrusted them to manage my student loans be fully forgiven. 
1. Full Discharge of All Loans Held by NAVIENT : Due to misleading guidance and unethical loan management practices, I respectfully request that all loans serviced by NAVIENT be fully discharged. This will relieve the overwhelming financial burden that I have carried due to their actions. 
2. Refund of Excess Payments : Any payments made during periods of forbearance or deferment encouraged by NAVIENT that lead to capitalized interest and inflated balances should be refunded. This would compensate for the financial damage caused by their misrepresentation.

3. Credit Repair : NAVIENT misreporting of my payment status has significantly damaged my credit score. As part of the resolution, I request that all adverse reports related to my student loans be removed or corrected to reflect the discharge and NAVIENT misconduct. 
4. Proactive Financial Assistance : Due to the financial harm caused by NAVIENT actions, I believe that offering credit counseling or financial assistance in rebuilding my financial standing would be a fair step toward restoring my fiscal health. NAVIENT actions have left me and many others with unjust debt, and I hope the CFPB can help deliver a resolution that corrects these wrongs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: NJ

Complaint narrative:
The thing is my identity was stolen and I would like to know how, I need to report the account with capital one as fraud and identity theft. Also my credit was messed up, and I am trying to fix it back up please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERIS BANCORP
State: GA

Complaint narrative:
On XX/XX/XXXX I made a payment of {$4300.00} to pay for my XXXX  month past due apartment rent b/c I didnt wish to receive an eviction notice on XX/XX/XXXX that my apartment already gave me a warning. 

Ameris bank already approved my payment then they reversed the payment on XX/XX/XXXX with no reason ; as a result an apartment charges me {$100.00} for the late fee + {$75.00} for non-sufficient fund. I did not cause this trouble I had good intentions to pay for my rent and prevent an eviction process from happening. 

Ameris bank operation / back office department accused to name my investor client a scammer and named me a victim of the scamming scheme! when its not true! My client is above average net worth senior client who needed my assistance for their financial investment wellbeing. My company formed since XXXX with excellent standing with XXXX Secratary of State under industry XXXX XXXX XXXX, and I also have business license industry code XXXX XXXXXXXX with City of XXXX where the business is located, and the bank has this record on file! 

I do not understand why they did not support a small business owner as me, accused me & my client with misjudgment & uses negative words against us! They refused to give us the wiring service ; my client had no confidence in them then they had to request for the recall to get their fund back to their bank, as a result I lose the client and this investment project because of Ameris bank not willing to listen & understand customer! They sabotaged my business they stopped my company from earning income! It is very difficult to work with some XXXX banks who are over self-protected and being narrowed minded to do the business to serve business owners properly. 

My complaint today Ameris bank is still holding my companys consulting fee of {$9600.00} that I earned for this client transaction ; I need them to release this fund so that I could pay for my apartment rent again {$4300.00} that they reversed the transaction. I asked & emailed the branch XXXX he didnt respond and / or let me know what the bank will decide to do and how long they will release this fund. 

This accusation, being unprofessional, discrimination and inconsistency is not acceptable. Please someone from CFPB contact me this upcoming new week. I can be reach at XXXX XXXX XXXX XXXX I would greatly appreciate for helping me getting this resolved as soon as possible. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
I am filing a complaint regarding Chime Financials failure to properly investigate and resolve unauthorized transactions totaling approximately {$4500.00}. These charges were made to XXXX, a gambling merchant that I have never used or authorized. 
I promptly reported the transactions as fraudulent and fully cooperated with Chimes investigation. I provided everything Chime requested, including a police report, identity verification, and location verification. Despite this, Chime denied my dispute three times without providing a clear explanation of what evidence was used to determine that the charges were authorized. 
Chime has not provided documentation showing how the transactions were authenticated, nor has it explained how my evidence was evaluated. I believe Chime failed to conduct a good-faith investigation as required under Regulation E ( 12 CFR Part 1005 ). 
I am requesting that Chime reopen the dispute, conduct a proper investigation, and provisionally or permanently credit the unauthorized charges in accordance with federal law. I am also requesting a written explanation detailing the specific reasons for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
Request for Full Discharge of Student Loans Due to MOHELA Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by MOHELA due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. 
MOHELA misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, MOHELA has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which MOHELA has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). MOHELA conduct has caused me significant financial harm, mental distress, and a longterm burden that could have been avoided with honest and fair guidance. As a borrower who relied on MOHELA advice and entrusted them to manage my student loans be fully forgiven. 
1. Full Discharge of All Loans Held by MOHELA : Due to misleading guidance and unethical loan management practices, I respectfully request that all loans serviced by MOHELA be fully discharged. This will relieve the overwhelming financial burden that I have carried due to their actions.

2. Refund of Excess Payments : Any payments made during periods of forbearance or deferment encouraged by MOHELA that lead to capitalized interest and inflated balances should be refunded. This would compensate for the financial damage caused by their misrepresentation. 
3. Credit Repair : MOHELA misreporting of my payment status has significantly damaged my credit score. As part of the resolution, I request that all adverse reports related to my student loans be removed or corrected to reflect the discharge and MOHELA misconduct.

4. Proactive Financial Assistance : Due to the financial harm caused by MOHELA actions, I believe that offering credit counseling or financial assistance in rebuilding my financial standing would be a fair step toward restoring my fiscal health. MOHELA actions have left me and many others with unjust debt, and I hope the CFPB can help deliver a resolution that corrects these wrongs.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/year> I was issue funds from XXXX in the amount of XXXX that was sent to my cash app account when I tried to login into my account. For some reasons my account had been closed out. And all my information had been attached to a another account. I reached out to Cash App. About the issue they pulled up the account and seen that the funds was there. They asked me to verify my identity also opened up another cash app account. I did everything they asked of me. See, I can't get my friends from my old account to take clothes out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/year> I called Mohela after checking into my XXXX account and getting an email from XXXX XXXX University about my loans being delinquent. I made payments in both XXXX and XXXX. I have no outstanding payment due when I login into MOHELA. On my FSA account it states that I need to make a payment on MOHELA. I called MOHELA and discussed bringing my status up-to-date as I have made payments and asking for an email confirmation of the conversation we had and what paperwork they were going to submit to try to bring my status back into good standing. I have received no email and also got an email today from MOHELA saying that I am 60 days past due on payment and when I login, I have zero dollars due on my account page. I am not sure why I continue to get emails from school and from MOHELA as I continue to make updated payments and not sure how to fix the status of my repayment so they no longer look delinquent or in deferment.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
I created a new personal PayPal account and received a {$95.00} birthday gift from a friend. Immediately after, PayPal permanently limited my account and falsely labeled it as a high-tier business account with customer dissatisfaction and disputes, which is impossible because I have no business activity, customers, or transactions. When I requested a specific reason for the limitation, PayPal stated they could not provide XXXX. PayPal is holding my funds for up to XXXX days without identifying any chargeback, dispute, or financial liability. I also previously had an account when I was a minor nearly XXXX years ago, but that account was inactive and should not impact my current account. I am requesting that PayPal release my {$100.00} immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection and urgently request their immediate removal to prevent any further harm to my financial well being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 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: NE

Complaint narrative:
I used Affirm to finance a purchase from a merchant. After the purchase, there was a problem with the transaction and I disputed the charge with Affirm. I submitted the documentation they requested, including emails showing the issue with the merchant. 

Affirm later closed the dispute and stated there was not enough evidence from either side and that I am responsible for paying the balance. They did not explain what evidence was missing, what the merchant provided, or how I could submit additional information. 

I tried to follow up with Affirm to get clarification and help, but I was unable to reach a customer service representative. I believe the dispute was not fairly or clearly reviewed, and I am being billed for a transaction that is still in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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:
On XX/XX/year>, my personal XXXX account was hacked and a charge for {$1500.00} was made to my account without my permission. I have contacted XXXX  several times with no resolution. I have provided them with bank statements, as well as a copy of a police report I filed in regards to the unauthorized charge. Venmo is refusing to complete error resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
RESURGENT/LVNV FUNDING Re : Cease and Desist All Communications Account Reference ( if any ) : XXXX XX To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). 
You are hereby directed to cease and desist all communication with me regarding the above-referenced account, or any alleged debt associated with my name, immediately. This includes, but is not limited to, phone calls, text messages, emails, letters, and communication through third parties. 
I do not acknowledge, admit, or assume responsibility for any alleged debt referenced by your company. This request is not a refusal to pay, nor is it an admission of liability. It is a lawful demand that all collection communication stop. 
You may only contact me again for one of the following reasons, as permitted by law : To confirm that you will comply with this request and cease all communication, or To notify me of a specific legal action you actually intend to take.

Any communication beyond what is permitted under 15 U.S.C. 1692c ( c ) will be documented as a willful violation of federal law and may result in complaints filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, as well as civil liability. 
Govern yourself accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
This account is inaccurately reported as newly opened. Jefferson Capital Systems is a debt buyer. The account is being illegally re-aged and reflects an incorrect age of account. I asked them to please correct the Date Opened to the original creditors date ( XXXX ) with no response I also requested the Method of Verification used to verify the Jefferson Capital Systems account. Please provide the name, address, and phone number of the party who verified the information, and the documentation relied upon, including the original Date of First Delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
In a previous complaint Penny Mac 's representative stated they are an ethical company.

We have now asked multiple times if our Escrow balance reaches zero if they will remove the escrow from the loan. They refuse to answer the question. The answer has an answer

it may be yes, it may be no, it may be yes with conditions, but there is an answer. An ethical company will actually answer the question and not dance around the subject.

We feel that this company is retaliating against us because we are homeowners, over the age of 40, have different religious views than they do and because we filed a complaint against them. It is not right for them to retaliate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank charged my account for carpet that was never delivered in the amount of {$530.00}. 

I disputed the charge within the required timeframe, but Synchrony denied the dispute without providing proof of delivery or merchant compliance. 

This charge violates the Fair Credit Billing Act. I am requesting immediate reversal of the charge, removal of related fees/interest, and written confirmation that my credit will not be harmed.

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 2026-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Source Receivables Management ( SRM ) is furnishing inaccurate, incomplete, and unverifiable information to XXXX XXXX XXXX XXXX in violation of federal law. 
I previously disputed this account. SRM responded with only a generic summary letter claiming validation. They did NOT provide : Original signed contract or service agreement Full billing statements Proof of legal ownership or assignment of the debt Chain of custody documentation Itemized accounting of alleged balance Method of verification Proof the reported balance is accurate and lawful This does not meet verification requirements under : FCRA 15 USC 607 ( b ) Maximum possible accuracy FCRA 15 USC 611 ( a ) Duty to reinvestigate & verify FCRA 15 USC 609 Right to disclosure FCRA 15 USC 623 ( a ) ( 5 ) Prohibition of re-aging FDCPA 15 USC 809 ( b ) Validation of debt FDCPA 15 USC 807 False or misleading credit reporting Additionally : SRM is continuing to furnish data to all 3 CRAs while the account remains disputed without full validation, which constitutes continued collection activity and is unlawful. 
The reported data appears inconsistent and unverified, including dates, balance, and legal ownership. 

This is causing credit damage and financial harm by negatively impacting my ability to obtain fair credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The banker violated the Bank Secrecy Act. As well as XXXX, XXXX and the Patriot Act. The banker did not properly identify me or the physical address of my business. The banker was also not trained to service my accounts.

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