vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
My student loans came due a few years ago - I called and chatted with them multiple times to set up a payment plan. At the time I was not working due to a injury so my income was limited and they told me I could not afford a payment through the payment plan and they could not offer me a payment plan when the whole reason for a payment plan is because you can not afford the original payment but to them because I also had bills to pay for what income was coming in I couldnt afford to do their payment plan based on income with the loans I had- this occurred for loans my mother was a co-signer on. She was on numerous of these calls due to being the co-signer and having to agree for the payment plan. She is now being sued for these loans that we were not allowed to have a payment plan on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have been trying to extract my funds from Venmo. Since XX/XX/year> I have been unable to access my account and withdraw my funds out of the account. I have called multiple times, and they have no idea why I can not login into my account and they keep on telling me they will call me back to resolve the issue. No-one ever calls, and I have escalated multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: LA

Complaint narrative:
XX/XX/year> at XXXX XXXX A representative from my financial services provider ( Chime ) made changes related to my account following a customer support interaction. I contacted support to ask about a transaction labeled pseudo cash, as I did not understand the term and wanted to ensure there were no fraud-related concerns. My intent was only to request clarification. During the interaction, I felt dismissed and was told I was not making sense. I escalated the issue to a supervisor, who clarified my question. After this interaction, I received an email stating that my XXXX service had been closed. I did not request or authorize any closure, suspension, or modification of this service. I am concerned that an account-related action was taken without my consent. I am requesting an investigation into how and why this change was made, including any authorization records or internal justification used to process the closure. I am also requesting written confirmation of what occurred, restoration of services if applicable, and clarification of what safeguards exist to prevent unauthorized account changes in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
I received documents from XXXX XXXX XXXX regarding an alleged debt matter that appeared to indicate I was required to appear in XXXX XXXX XXXX on XX/XX/, at XXXXXXXX XXXX The documents created the impression that there was an active court proceeding and that failure to appear could result in a default judgment against me. Because I believed the matter was active and that my appearance was required, I adjusted my work schedule and attended court on the listed date and time. I remained present through the proceedings waiting for my matter to be called, but no case involving me was ever called, and I was unable to identify any active proceeding associated with my name during the court session I attended. As a XXXX veteran with physical limitations, attending court and remaining seated through the proceedings caused unnecessary physical discomfort, inconvenience, stress, and disruption to my work schedule. I am concerned that the communications I received may have inaccurately or misleadingly represented the actual legal status of the matter and caused me to believe that a court appearance was required when no active proceeding appeared to exist.

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 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/2026, the authorized collection agency ( XXXX ) for Hyundai Motor Finance provided a written settlement offer agreeing to accept {$1800.00} to resolve my account, while the full balance owed was listed as {$4000.00}. I completed the agreed settlement payment, and Hyundai Motor Finance later confirmed in writing that my account was settled in full effective XX/XX/2026. After my account was already settled, XXXX XXXX XXXX issued an additional GAP payment of {$2100.00} to Hyundai Motor Finance. Records show the payment cleared on XX/XX/2026. Hyundai Motor Finance is refusing to refund the surplus funds and is relying on later internal processing dates rather than the effective settlement date confirmed in writing. I have documentation showing the settlement date, XXXX payment date, and payment processing timeline demonstrating that additional funds were applied after my account had already been settled. I requested a detailed accounting breakdown and written explanation regarding the denial of a refund, but no written explanation has been provided. I am requesting a formal review of how the payments were applied, clarification regarding the XXXX funds received after my settlement was completed, and refund of any overpayment or surplus balance owed to me. Attached documents : * Settlement letter from Hyundai Motor Finance confirming the account was settled effective XX/XX/2026 * GAP payout letter showing payment amount of {$2100.00} dated XX/XX/2026 * Cleared GAP payment record showing processing date of XX/XX/2026 2026

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 2026-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I was on the phone for 6 hours with them and they would transfer me back to the other person and you can hear them laughing in the background anyway they took money out of my savings that I have been saving since XXXX I was buying XXXX with a firm I put {$100.00} into the account and just left it for XXXX made it all the way through the pandemic all the way till now never touched it the {$100.00} just to let it try to grow interest so I look at the account just recently and see that it's only has {$23.00} in it and so I call them and try to figure it out and they said all that she could tell me is it was done manually I said well I didn't do it it was done manually and they have no way to know how or who done it All she would tell me is it was done manually they took almost wiped out the {$100.00} savings account that I was buying I was getting paid {$0.00} a month interest on that XXXX and they just applied it to one of my loans that I just opened with them I put {$400.00} down on a loan seven or eight days later they wipe out my savings account and apply they say they applied to the loan for no reason wasn't scheduled wasn't due because two weeks after that I made my first payments on the loan The lady would not tell me who authorized them to take my money out of my savings cryptosavings

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
Misrepresentation at Point of Sale To Whom It May Concern, I am formally disputing my solar loan currently serviced by solar Servicing Account number XXXX I entered into this financing agreement based on representations made by the solar company that my total monthly energy costs would be approximately {$150.00}. However, my current monthly costs are significantly higher. I am paying approximately {$260.00} per month for the solar loan in addition to {$150.00} or more for my electric bill, resulting in total monthly costs exceeding {$400.00}. Additionally, the solar company presented tax incentives and rebates in a manner that suggested my overall system cost would be significantly reduced. In reality, I am financing approximately {$45000.00} I have made multiple attempts to resolve this issue with the solar company but have received no meaningful response and have been given inconsistent contact information. I have also filed a complaint with the Federal Trade Commission regarding this matter. I am requesting : A formal investigation of this loan due to misrepresentation at the point of sale A full breakdown of loan origination, interest, and fees Information on possible dispute resolution or remediation options

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC
State: MA

Complaint narrative:
On XX/XX/year>, I found that I can not log into Etrade and that my checking account and Premium Savings Account with E * TRADE / Morgan Stanley XXXX XXXX were closed without prior notice. At the time of closure, the accounts contained {$1100.00} in remaining balances. Since the closure, I immediately lost online access and have been unable to access my statements, transaction history, or even confirm the exact remaining balances. I previously submitted a CFPB complaint regarding the banks failure to provide final statements and disburse my remaining funds. In response, Morgan Stanley stated that additional verification was required before funds could be released. Since then, I have made numerous follow-up calls and complied with every request made by the bank, but Etrade failed to provide any progress on the funds disbursement. On XX/XX/year>, I received its CFPB response letter, in which ETRADE / Morgan Stanley stated that an additional review process was required before my remaining funds could be released and provided a phone number for me to contact. After receiving that response, I called the number provided and was instructed by representatives to submit additional documentation, including statements from the financial institutions that originally funded my ETRADE accounts. I immediately submitted the statements they requested on the same day. More than two additional weeks have now passed since those documents were submitted. I have continued calling E * TRADE for updates, but representatives continue to provide no meaningful information other than stating that the review is still in process. No timeline, case status, or estimated completion date has been provided. I requested to speak to the review team directly and was refused. At this point, it has been over three months since the accounts were restricted and closed, yet : 1. I still do not have my remaining deposited funds ; 2. I still do not have final statements or final account balances ; 3. I still have not been provided a clear explanation of what specific verification remains outstanding ; 4. and I continue receiving inconsistent and unclear instructions from different representatives. I believe I have acted in good faith and fully cooperated with every verification request made by the bank. I am requesting CFPB assistance to obtain : Prompt disbursement of my remaining funds ; Additionally, I would like CFPB to note that I completed all stated requirements for promotional cash bonuses associated with these accounts before they were closed by ETRADE. I have retained written communications from ETRADE confirming that I had met the promotional requirements. While my primary concern remains the return of my deposited funds, I reserve the right to pursue a separate complaint regarding the denied bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Central Holdings, LLC
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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am a cardholder of the American Express Delta SkyMiles Reserve Card, a premium credit card with a high annual fee that includes an annual companion certificate as a core advertised benefit. For the years XXXX, XXXX, and XXXX, Delta Air Lines has confirmed that companion certificates were issued. However, Delta has also stated they are unable to provide proof of delivery or confirm that I ever had access to these certificates. These certificates never appeared in my Delta account and were never accessible for use. American Express has stated that due to internal system changes, they no longer have visibility into these historical records and can not verify whether these benefits were actually delivered or accessible. Despite this, they continue to assert that the benefit was fulfilled based solely on internal issuance. For the most recent certificates in XXXX and XXXX, I received clear email notifications and the certificates are visible and accessible in my Delta account wallet. This demonstrates the standard delivery process and confirms that when the benefit is properly delivered, I am able to receive and access it without issue. In contrast, for XXXX through XXXX : I received no email notifications No certificates appeared in my Delta wallet I had no ability to access or use the benefit Importantly, I have not changed my contact information, account details, or notification preferences at any point since opening the card. There is no reasonable explanation for why the benefit would be properly delivered in later years but not during the earlier period unless there was a failure in delivery. During those years, I actively traveled with XXXX and paid for flights using my own funds and/or SkyMilesexpenses I would not have incurred had these certificates been properly delivered and accessible. This represents a clear failure to provide a core benefit of a premium product. Neither American Express nor Delta can provide any evidence that I ever received or had access to these certificates, yet they continue to rely on a technical issued status to deny responsibility. I have made multiple attempts to resolve this directly, but have been met with deflection between the two companies and reliance on incomplete or unavailable records. Additional Notes : This issue spans multiple consecutive years ( XXXX ), indicating a systemic breakdown rather than an isolated incident. The contrast with properly delivered certificates in XXXX and XXXX further supports that these earlier benefits were never successfully delivered. If American Express can not demonstrate that these benefits were delivered and accessible, then they were not fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Date:XXXX TD Auto Finance Customer Service / Credit Reporting Department RE : Account Number:XXXX ] To Whom It May Concern, I am writing to formally dispute the negative reporting associated with my auto loan account referenced above. Throughout the life of this loan, I consistently made payments in good faith and believed my account remained in good standing as long as I continued making timely monthly payments. At no point was I clearly informed or made aware that the remaining balance would become immediately due because of a loan maturity date. Not only that due to covid 19 i received a 3 month extension and with that made my loan extend until XXXX i have never stopped paying my car loan and as of today its completely paid off with better communication it would have been paid off in XXXX had i been aware of the rules TD Auto Finance continued accepting my payments for months without notifying me that the account had matured or that the remaining balance had become due in full. I was not contacted until XX/XX/XXXX regarding this issue until approximately 45 days later, when I was informed that my account was already being treated as 45 days past due. This was extremely confusing and unexpected because I had continued making regular payments and had every intention of satisfying the balance responsibly. Had I been properly informed in advance that a maturity payoff deadline existed, I would have immediately addressed the matter. Because I was actively making payments and because TD Auto Finance continued accepting those payments without timely notification of any maturity-related default, I respectfully request the following : A full investigation into the reporting of this account ; Removal of any late payment or derogatory reporting associated with this maturity date issue ; A goodwill adjustment to my credit reporting history ; Written confirmation of the outcome of your investigation. I value my credit history and have made every effort to meet my obligations responsibly. I respectfully ask TD Auto Finance to consider the circumstances surrounding this matter and correct the reporting accordingly. Thank you for your time and consideration. I look forward to your response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
PayPal XXXX XXXX have XXXX my account without explaining why. I was asked to submit verification documents which I did. XXXX is also trying to collect debt alleged debt included in XXXX XXXX Bankruptcy XXXX. PayPal said they will hold funds for 180 days and use to settle debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I was contacted regarding an alleged medical debt in the amount of {$520.00}. I have no knowledge of this debt and do not recognize it as valid. On XX/XX/year>, I sent a written dispute and formal debt validation request pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In the same communication, I issued a cease and desist request under 15 U.S.C. 1692c ( c ), requesting that all collection communications stop until written verification was provided. I received no response. I followed up with a second email and again received no response. Additionally, I have disputed this debt through my credit report. Despite my dispute, the collector has continued to report this debt as valid without providing any supporting documentation or verification to substantiate their claim. As of today, the collector has failed to provide any written verification or validation of the alleged debt, and has not acknowledged my dispute or cease and desist request. This failure to validate the debt while continuing collection activity may constitute a violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC
State: LA

Complaint narrative:
I am submitting this complaint regarding repeated debt collection calls from ( XXXX ) XXXX despite previously demanding in writing that they cease communication with me. In XXXX, I sent written correspondence instructing this company to stop contacting me regarding the alleged debt. Despite that request, the company continued calling throughout XXXX XXXX and has resumed calling again in XXXX. Because of the repeated unwanted calls, I blocked the number on my phone. Even after blocking the number, the company continues attempting to contact me and leave voicemails. My blocked voicemail records show ( XXXX ) an ongoing pattern of calls over an extended period of time. The voicemails identify the caller as a credit management company. I do not wish to be contacted by this company and have already exercised my rights to request that communication stop. I believe the continued collection calls after my written cease-contact request may violate the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that the company immediately cease all communication with me except as permitted by law. I have retained screenshots and voicemail records documenting the continued contact attempts.

Company response to consumer: Closed with explanation