vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: PA

Complaint narrative:
I have a student loan with 12 loan groups. CRI became my loan servicer last year, and I have been on the Extended Graduated Repayment plan for years. My payment increased on XX/XX/XXXX, which was regular for the plan. On XX/XX/XXXX, an auto debit of {$180.00} was supposed to be pulled, but was never debited from my account. I noticed the error on XX/XX/XXXX, and logged into my account online to find out what had happened. I saw that there was an amount of {$720.00} listed as my amount due. I called CRI to find out why this had happened. I spoke with a representative that informed me that it was a " system issue '' and that CRI is aware of it. The representative directed me to not make a payment, and to wait for CRI to fix the issue. I was assured that my payments would return to my regular amounts, once CRI fixes the issue. I then received a letter in the mail later that month stating that my account had been placed on a forbearance, and that I had requested it. I never requested forbearance, but assumed it was part of the " system issue '' that I was told about. I then received letter dated for XX/XX/XXXX, that stated that my forbearance was ending. I checked online, and saw that the amount had not been fixed. I waited, as I was instructed to by the representative that I spoke to. On XX/XX/XXXX, I checked online, and my payment now showed as {$250.00}. I called CRI again, asking what had happened to my payments. This time, the agent that I spoke with told me that the increase was because I didn't make payments during the forbearance. I did not understand, and the agent just started trying to ask me questions to qualify me for an IDR. I do not want an IDR, as I have planned my yearly finances with my Extended Graduated Repayment plan. I did research, and found that my loan terms were different than they were on my previous statements. I called back today, XX/XX/XXXX, and spoke with a " supervisor '' that informed me that the loan had recalculated, due to my plan changing when the forbearance was placed. When I asked why my plan was changed, they cited the " system issue ''. The representative said that because CRI 's system had an issue, my loan was recalculated when the plan changed, and my loan terms for several of my groups decreased from XXXX payments, down to XXXX payments. The " supervisor '' stated that CRI 's " system issue '' and how they corrected it was the direct cause of my loan being recalculated, which caused my payments to increase. Despite CRI admitting fault for the issue and apologizing several times during the call, they were unwilling to take any steps to return my loan back to it's original terms or payments before the " system issue ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: AZ

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am XXXX XXXX XXXX and am filing this complaint to resolve a permanent identity limitation ( Ref XXXX : XXXX and XXXX ). I recently confirmed via PayPal 's automated system that my account history spans over 7 years, placing the account creation date in approximately XXXX. I also have account records dating back to at least XX/XX/XXXX. In XXXX, I was XXXX XXXX XXXX. In XXXX, I was XXXX. In both instances, I was a XXXX and lacked the legal capacity to enter into a binding contract or agree to the PayPal User Agreement. Under U.S. law, any contract entered into by a XXXX is voidable. I have attempted to resolve this through phone support on XX/XX/XXXX. XXXX agent acknowledged the account was created when I was a XXXX, but a second agent refused to escalate the case, citing 'Acceptable Use Policy ' violations from the same period. Because the account was legally invalid from its inception due to my age, I am requesting a manual compliance review. I need my Social Security Number and identity cleared from this XXXX-era restriction so I can register a new, compliant account as a XXXX XXXX XXXX adult for my professional employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I'm not really sure. I'm just trying to clean up XXXX negative information so I can get a better credit score and fix the history and start new

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
Dear CFPB office, My name is XXXX XXXX. I am writing to request your assistance with an urgent issue regarding my XXXX XXXX XXXX XXXX ( XXXX ) record. I worked in a public service job from XXXX to present and made qualifying payments throughout that time. I certified my employment both before and after consolidating my loans. Prior to consolidation, my PSLF count was XXXX qualifying payments. After consolidating in XX/XX/XXXX, my XXXX count was reset to XXXX. According to the Department of Educations guidance ( XXXX XXXX XXXX XXXX consolidations after XXXX XXXX, XXXX should apply a weighted average to determine qualifying payments for loans included in consolidation, and payments on eligible Parent PLUS loans should be used in that calculation. I believe my record was not processed according to that policy. I have filed multiple complaints with the federal agencies, but they maintain that the reset to XXXX is correct. Because this decision directly affects my ability to receive PSLF after many years of service, I am asking for your offices help to review my case and request a more thorough review from the Department of Education or other appropriate federal office. If helpful, I can provide documentation of my employment certifications, payment history, previous PSLF count, and the consolidation paperwork. Thank you for your time and any assistance your office can provide. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-11 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: Block, Inc.
State: NC

Complaint narrative:
XX/XX/year> E-COMMERCE PURCHASE FOR {$100.00} WITH XXXX XXXX XXXX USING MY CASHAPP CARD ORIGINALLY DISPUTED WITH CASHAPP BECAUSE OF UNAUTHORIZED USE BECAUSE WEBSITE OF COMPANY BLOCKED FORM CONTACT, PROVIDED NO PHONE NUMBER, OR FRAUDULENT EMAIL CONTACT INFORMATION. BECAUSE I FILED ORIGINAL DISPUTE WITH CASHAPP BECAUSE WEBSITE APPEARED TO BE FRAUDULENT AND FILE UNAUTHORIZED USE TO STOP PAYMENT, THIS DISPUTE WAS DENIED BECAUSE I ACTUALLY MADE PURCHASE. APPEAL OF THAT DISPUTE DENIED WAS DENIED TOO. THEN I WAITED FOR THE DELIVERY OF ITEM, WHILE FURTHER MAKING EFFORTS TO CONTACT THE MERCHANT. WHEN THE ITEM WASN'T DELIVERY WITHIN XXXX WEEKS, I ATTEMPTED TO FILE ANOTHER DISPUTE WITH CASHAPP FOR FRAUDULENT TRANSACTION FAILURE TO DELIVER, WHICH WAS BLOCKED BECAUSE OF THE UNREASONABLE SYSTEMS LIMITATIONS TO AFFORD ONLY A SINGLE DISPUTE OF A TRANSACTION WHEN IT IS OBVIOUS THAT I WAS CLEARLY A VICTIM OF A FRAUDULENT ONLINE MERCHANT WHO PROCESSED MY CASHAPP CARD PAYMENT, THEN FAILED TO DELIVER PURCHASE. CASHAPP REFUSES TO HELP WITH THIS FRAUDULENT TRANSACTION I AM SEEKING HELP FROM CFPB WITH CASH APP TO PROTECT ME FROM THIS FRAUDULENT TRANSACTION AND STOP THIS FRAUDULENT MERCHANT FROM STEALING MY FUNDS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank says they turned money from my deceased mothers IRA account over to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The money is not there, I called XXXX times, I went the XXXX XXXX XXXX XXXX and talked to XXXX XXXX, phone XXXX, then to his supervisor XXXX XXXX, phone XXXX. I was told the money was turned over to the XXXX XXXXXXXX XXXX XXXX XXXX. I asked them to give me paperwork showing that they turned it over to the state. They told me they don't have to, to contact the XXXX XXXX XXXX XXXX XXXX. I informed them I had, and the money is not there. They refused to give me any documentation showing where the money went. The only way I knew about it is when I received a End of Year Statement and a XXXX to XXXX XXXX XXXX XXXX XXXX me from XXXX XXXX old address. In XXXX and XXXX I gave the all the information for closing out the account and putting the money into the estate account. They have the " Certificate of Death '', " Small Estate Affidavit '' from the lawyer naming XXXX XXXX XXXX as Trustee, a copy of the " Will '', a copy " Receipt of Will '' filed with XXXX XXXX naming XXXX XXXX XXXX as " Executor of Estate and Will '' XXXX XXXX has me XXXX XXXX XXXX on file as Trustee and Executor of the Estate, they have my address, my email and my phone number. They did not contact me at all before they took action on XXXX XXXX XXXX IRA account. They sent the XXXX and end of year statement to her house which was sold.

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 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
After paying off my Gold card balance of {$43000.00}, I was charged {$880.00} in interest. Upon investigation, I learned that American Express had applied a penalty interest rate to my account beginning in XX/XX/year> because a single payment posted 2 days late. I was not notified of this rate change. The penalty rate resulted in significantly higher interest charges that I was unaware of for approximately five months. When I contacted Amex, they claimed I was notified of the rate increase but I received no such notification. The charge appeared on my statement as a single line item of {$880.00}, with no indication that a penalty rate was in effect. Amex offered to waive only {$440.00} of the {$880.00}, refusing to address the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Solar Mosaic LLC
State: AZ

Complaint narrative:
I am submitting a complaint regarding a solar loan originally issued by Mosaic Solar and now serviced by Solar Servicing LLC. My spouse and I are in the process of selling our home, and our loan agreement expressly contemplates the possibility of transferring the loan to a new homeowner in connection with a home sale, subject to lender approval and underwriting. However, Solar Servicing has stated in writing that they are currently not processing applications to transfer loans to homebuyers. As a result, there is no functional process available to evaluate or administer a transfer request, despite the agreement contemplating that scenario. This is creating a material issue for us because we are actively preparing to sell our home. The servicer is continuing to enforce the loan, but is refusing to administer a contractual process necessary for a home sale. They have also not provided any alternative mechanism to allow the transaction to proceed. We have attempted to resolve this directly by contacting Solar Servicing and submitting a formal escalation request. Despite this, we have not received a response. At this point, we are being effectively forced toward paying off the loan in full, not because of any contractual default, but because the servicer is not administering the transfer process and has not offered any workable alternative. We are requesting that Solar Servicing : -Clarify whether transfer or assumption requests under existing Mosaic loan agreements are being administered by any party -Identify whether the current loan owner or any authorized successor has the ability to evaluate and approve transfer requests -Provide a clear, transaction-ready process that allows a home sale to proceed without requiring full payoff where possible -Respond to our prior escalation and provide written guidance on how this loan can be handled in a home sale scenario This issue is time-sensitive and directly impacts our ability to complete a home sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a complaint regarding a billing error on my Citi credit card account involving a transaction with XXXX. I made a purchase on XX/XX/XXXX in the amount of {$890.00}. I later returned the item, but the merchant delayed processing the refund. Due to the delay, I opened a dispute with Citi ( case number XXXX ). After opening the dispute, the merchant informed me that the refund was being processed, so I canceled the dispute in good faith. However, this resulted in a billing error on my account. Due to the overlap between the dispute process and the merchant refund, my account now reflects an incorrect balance / duplicate charge. I have contacted Citi multiple times to resolve this issue, but it has not been corrected. This is not an active dispute but a billing error caused by improper handling of the dispute cancellation and refund process. I am requesting that Citi correct my account by removing the duplicate charge and ensuring my balance accurately reflects the refunded transaction. I have supporting documentation including proof of return, communication with the merchant, and account statements showing the incorrect charges.

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 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I received a fraud alert from XXXX totalling XXXX so I said it was not me it was blocked so I decided to check my account and then there was a debit for XXXX in XXXX nj I disputed this transaction fave them my timeliness of my location showing I was not there and made a police report and was denied I appealed the police report is not even completed I gave them the police report number seeing if they would look into to further but no appeal denied

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX sofi bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have an everyday checking account at Wells Fargo. My atm debit withdrawal limit is {$1000.00}. I called Wells Fargo to increase my withdrawal limit to {$2000.00}. The representative said he has to enter it into the system and see what it says. The limit increase was denied. I work in financial services and understand the risk of increasing atm withdrawal limits and that it's for the protection of the customer. I know all too well about how it's for fraud protection. If it's my funds in the account, I should be able to request the increase. I plan to close out this account, however, I don't feel comfortable parking my new car outside a branch with the possibility of someone scratching my car or sideswiping my car. Then going inside to wait in a long line to withdrawal all the funds and then be told to see a banker to process the closure of the account. Banking is supposed to be convenient for the customer. I just wanted to withdrawal through the atm and then call customer service to close out the account. It's been a long time since I've had to step foot into a branch since you can do a lot digitally. For the representative to tell me that it's an algorithm regarding if your atm limit is increased or not and also that it's based on your history. Seriously, this is one of the worst banks.

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 2026-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An itemized statement breaking down the balance you claim I owe. 5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2026-04-10 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: Block, Inc.
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to formally request that my previous complaint be reviewed and reopened. I am currently experiencing an ongoing issue with accessing my Cash App account, which holds a balance of {$1200.00}. I have already provided a full explanation of the situation in my prior complaint. Following that, Cash App requested additional identity verification. I have submitted all required documents, including : A valid U.S. drivers license ( front and back ) A selfie holding my drivers license All submitted information is accurate and belongs to me. Despite this, I am still unable to access my account, and the issue remains unresolved. From my perspective, the verification process has already been completed successfully on my side. If there is any specific discrepancy or issue preventing verification, I respectfully request a clear explanation so it can be resolved immediately. If necessary, I am willing to cooperate further and provide any additional information through official and secure verification channels. I kindly ask that this case be reviewed carefully and escalated if needed, as I have been unable to access my funds since losing my phone. Thank you for your time and assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation