vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX and their appointed debt collection agency, Caine & Weiner, regarding an unauthorized charge and improper collection practices. -- - COMPLAINANT INFORMATION -- - Name : XXXX XXXX Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX -- - PARTIES COMPLAINED ABOUT -- - XXXX. XXXX XXXX XXXX Account : XXXX XXXX. Caine & Weiner C & W Account # XXXX / XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX -- - DESCRIPTION OF COMPLAINT -- - Paysafe Payment Processing charged my business account {$280.00}, which is not included in or authorized by my signed service agreement. This charge was applied outside the agreed-upon fee schedule without my knowledge or consent. After discovering the unauthorized charge, I attempted to resolve this matter directly with XXXX on multiple occasions. I also filed a complaint with the appropriate state authority. Despite these efforts, I received no response or resolution. XXXX subsequently referred this disputed amount to Caine & Weiner for collection. In their collection letter dated XX/XX/year>, Caine & Weiner explicitly threatened to report this debt to personal credit bureaus ( XXXX XXXX XXXX ) as well as commercial credit bureaus XXXX XXXX XXXX XXXX ), despite the fact that this debt is formally disputed. I have since sent a formal written debt dispute and validation request to Caine & Weiner via certified mail on XX/XX/year>, demanding that collection activity cease and that no credit reporting occur while the dispute is pending. -- - RELIEF REQUESTED -- - 1. Investigation into the unauthorized charge by XXXX XXXX XXXX. 2. Confirmation that Caine & Weiner is prohibited from reporting this disputed debt to any credit bureau pending resolution. 3. Appropriate enforcement action if violations of federal debt collection or consumer protection laws are found. I am retaining all documentation including the original service agreement, account statements, the collection letter, and certified mail receipts, and can provide these upon request. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IN

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Consumer File Disclosure Under FCRA 609 and Document Request To Whom It May Concern : I am requesting disclosure of all information contained in my consumer file pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681g. I specifically request documentation supporting the reporting of : 1. SXXXX XXXX XXXX XXXX. XXXX / Jefferson Capital Systems Please provide : A complete copy of my consumer file. The name, address, and telephone number of each furnisher associated with these accounts. Documentation supporting account ownership and reporting. Documentation supporting the reported balances. Documentation supporting any collection activity reporting. Documentation supporting any charge-off reporting. Documentation supporting any repossession or collateral recovery reporting. Documentation supporting any account transfer or sale reporting. The method of verification used in any prior dispute investigations. If XXXX, XXXX, and XXXX is unable to provide sufficient documentation supporting the accuracy and completeness of the reporting, I request that the information be reviewed and reinvestigated under FCRA 611. Please provide your response in writing. Sincerely, XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX Date of Birth : XX/XX/XXXX Last Four SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 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: AZ

Complaint narrative:
I seen that {$500.00} was trying to be taken out of my account. I noticed that the amount was denied and then it was put through. I called Chime Bank while the amount was still pending to tell them that I do not authorize this transaction. They told me that I had to wait until the amount posted before I can make a dispute, even though the amount was still pending. I have went above and beyond I have records from XXXX stating that it wasnt a purchase made on walmart.com. And that it didnt come off of my XXXX account. I filed a police report and I was still denied the money back. When I ask how they came up with that conclusion to deny me, they tell me that theyre gon na send me paperwork in the mail, but all they send me is a denial letter. I get no records of the investigation nothing.

Company response to consumer: In progress
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: GA

Complaint narrative:
Over the last XXXX months, including a currently pending transaction in XX/XX/XXXX, Albert has executed three unauthorized monthly ACH withdrawals of {$19.00} from my checking account, totaling {$59.00}. I closed my Albert account long ago and do not use their services. On XX/XX/XXXX, I contacted Albert support via text message to demand a full refund and formally revoke all XXXX access. The Albert representative confirmed in writing via text that my account is " permanently closed '' and that my revocation is valid, but flatly refused to issue a refund for the XXXX unauthorized charges. Albert claimed a subscription from XX/XX/XXXX justified the current charges, despite the fact that no charges occurred for an entire year and the account is closed. Albert is illegally drafting funds from a closed account without authorization. These unauthorized withdrawals depleted my account balance and directly caused an essential utility bill to bounce. I am uploading screenshots of the text conversation as proof that Albert admitted the account is closed but refused the refund. I demand a full refund of {$59.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase has charged my account a {$15.00} fee for XXXX -- they refunded the last one, and I was planning to close, but forgot to in time. They charged another {$15.00} fee, but when I spoke to an associate over the call -- they threatened to send me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year> I departed XXXX XXXX on a trip to XXXX and returned on XX/XX/year>. 2 days after my trip on XX/XX/year>, I noticed 2 credit card transactions were made in XXXX on my Bank of America credit card on XX/XX/year>, that I did not authorize or purchase. This is impossible for me because I was never in XXXX during the purchase an I never lost my card. I suspect my card was cloned during my visit to XXXX. I called Bank of America right away, and they gave me temporary credit. On XX/XX/year>, I received the temporary credit. On XX/XX/year> I received a letter from Bank of America denying the claim because the chip on my credit card was read, pin was entered, or my signature was used for the purchase and the temporary credit was removed. I called Bank of America again to appeal their denial decision on my claim and they opened the case again to reinvestigate. On XX/XX/year>, I got another letter the same as the first letter regarding the denial decision of my claim but never clearly stating the reason for the denial or providing further information on how the card was used. I called Bank of America again to tell them that I will file a complaint and they wanted me to send more documents to prove that I was not in XXXX during this purchase. I provided my certificate of entry and departure from XXXX XXXX and made copies of all the pages of my passport to Bank of America. On XX/XX/year>, I got an email letter of the same denial decision on my claim. I am filing this claim because I have tried all I can do with Bank of America and have not received the help I need to get this issue resolved.

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 2026-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: UT

Complaint narrative:
On XX/XX/year>, XX/XX/XXXX, and today ( XX/XX/XXXX ) I have submitted IDR plans. Each time, I am told that my monthly payment will be over {$1600.00} per month. I make ( combined ) XXXX XXXXXXXX per year. There is no way that is 15 % of my discretionary income. Each time I bring that up with Nelnet, they tell me I need to recalculate my income with XXXX. I did that. I went back to Nelnet, my student loan pending payment was over {$1600.00} still. I have submitted it XXXX times. Each time, XXXX quoted me my payment would be about {$50.00} per month or I could choose a higher payment ( closer to {$500.00} ). There is no separate recalculate with studentaid.gov. You calculate with the application. Despite this, Nelnet keeps telling me its something XXXX doing wrong, and I keep needing to recalculate it. Ive given them my tax return, a full year of pay stubs, and screenshots, as I go through the studentaid.gov process. However, each time, they refuse to calculate my monthly payment correctly, according to what the XXXX website shows, and is trying to charge me way more than 10 % XXXX % of my discretionary income with a household size of XXXX people. I found a class action suit where the people not only complain that Nelnet calculated their payments incorrectly, but reported them to the bureaus incorrectly. My complaint has nothing to do with reporting it incorrectly, I just want them to calculate my monthly payment correctly, according to the IDR plan and payments that studentaid.gov shows, and charge me based on my discretionary income with a household of 6, aligned with what the XXXX website shows my payment will be. Instead, I get the runaround, and told that I need to recalculate it again, when the only way to do that, is to submit a new application through studentaid.gov. Due this, this feels like an unfair and deceptive act or practice that I am unable to avoid. I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 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: CA

Complaint narrative:
My debit card was misplaced/stolen and it got in the wrong hands when I woke up the next morning and noticed that my card was gone. There had already been charges worth {$730.00}. I immediately called the bank and reported my card stolen and that that I did not authorize the transactions. I told the bank I would make a police report. They told me it was not necessary moving for the bank denied my claim I had them re-investigate the claim again requesting all the information you sent to me that helped them conclude the claim they did not provide that to me and again denied my claim. I am a single mother with a XXXX and currently not working. This is a great hardship, especially when my money was stolen.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a letter claiming that I owe an insurance home service for my mortgage that I never hired. For me it is a scam. I didnt hired this company service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC is currently reporting a collection account on my credit reports with a balance of {$620.00}, identified as originating from XXXX XXXX XXXX. At the same time, XXXX XXXX is also reporting this same account as an active charge-off on my credit reports. The same debt is being reported simultaneously by two separate entities the original creditor and the debt buyer which creates a duplicate and inconsistent reporting situation on my consumer credit file. I never had a direct contractual relationship with LVNV Funding LLC. I never provided written authorization for my nonpublic personal information to be shared with or used by this company. Under the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act, LVNV Funding is required to demonstrate a permissible purpose and legal authority to report this information. On XX/XX/year>, I sent a formal written dispute to LVNV Funding requesting proof of permissible purpose, written authorization, method of verification, chain of title, and proof of XXXX XXXX. They have not provided any of this documentation. I am requesting that the CFPB investigate LVNV Funding 's authority to report this account and require them to provide complete verification or permanently remove this account from all three of my credit reports. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: MOHELA
State: OH

Complaint narrative:
I am filing this complaint regarding inaccurate XXXXF qualifying payment counts, missing loan servicing records, and improper handling of my federal student loan history. My federal student loans were previously serviced by Navient and later transferred to MOHELA for XXXX servicing. During my efforts to obtain accurate XXXX XXXX XXXX XXXX ( XXXX ) credit, I discovered that qualifying payments appear to be missing or were not properly counted. MOHELA informed me that records prior to XXXX are unavailable or can not be verified due to servicing transfer issues. Because of these missing records, I have been denied accurate PSLF qualifying payment credit despite working in qualifying public service employment and making payments in good faith under federal repayment plans. I believe the servicing transfer between Navient and subsequent servicers resulted in incomplete or inaccurate transfer of payment history and XXXX records. I should not be penalized because loan servicers failed to properly maintain federally required records. The inability of loan servicers to locate or verify historical records should not result in the denial of federal student loan forgiveness benefits. I am requesting CFPB assistance in obtaining a complete review and correction of my PSLF account history.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 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: VA

Complaint narrative:
My loans were XXXX in XX/XX/year> due to total and permanent XXXX from the VA. I was to be refunded for my overpayments made during its review. Mohela sent my overpayment of XXXX to US Treasury on XX/XX/year>. I have not yet received this payment. I have contacted Mohela and treasury on multiple occasions and received no updates. Mohela says they submitted the request for repayment to Treasury, and I would be paid via check received by mail. Treasury says it wasnt received and has not issued the refund. I do not owe any back taxes to prevent repayment of the refund. I have contacted the FSA Ombudsman and am awaiting resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
I have been completely locked out of my MOHELA online account since my loans were placed into the XXXX administrative forbearance in XXXX. I have attempted to reset my password at least XXXX times over this period, including another failed attempt today in XXXX, and I have been unable to regain access. For roughly XXXX years I have been unable to log in to view my balance, payment history, or repayment plan status. During this entire period, MOHELA has continued to send me emails directing me to take actions in my account including notices that my XXXX plan is ending and that I must select a new repayment plan while simultaneously denying me the account access required to review my situation or respond. I can not reconcile being required to act on my account while being repeatedly barred from accessing it despite numerous good-faith attempts. I understand that interest resumed accruing on XXXX-enrolled loans in XX/XX/XXXX. I have been unable to verify how that interest is being calculated or applied to my account because I can not access it. I am requesting an accurate, itemized accounting of my balance and any interest charged. I am a XXXXXXXX XXXX XXXX pursuing Public Service Loan Forgiveness. The inability to access my account during this transition has obstructed my ability to confirm my repayment plan, verify my qualifying payment count, and protect my progress toward forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am filing a complaint against my OnePay account about unauthorized and fraud transactions. After reviewing my account, I have found out that there were several transactions charged to me which were not conducted by me and were unauthorized transactions. I neither did these transactions nor had provided any authorization for conducting them. Unauthorized Swapped charges : * {$XXXX} * {$XXXX} * {$XXXX} * {$XXXX} * {$XXXX} * {$XXXX} Total Swapped charges : {$240.00} Unauthorized Cash Advance Fees : * {$XXXX} * {$XXXX} * {$XXXX} * {$XXXX} * {$XXXX} * {$XXXX} Total Cash Advance Fees : {$XXXX} Unauthorized XXXX charges : * {$XXXX} * {$XXXX} * {$XXXX} * {$XXXX} * {$XXXX} * {$6.00} Total XXXX charges : {$XXXX} Unauthorized XXXX XXXX charge : * {$XXXX} Total XXXX XXXX charges : {$XXXX} Total amount of unauthorized and fraudulent charges : {$380.00} I have not done these transactions and hence I consider them as fraud transactions. I demand that OnePay thoroughly investigates the matter and reverses all unauthorized charges and related fees and pays me back the amount of {$380.00} in full.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 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: FL

Complaint narrative:
In XX/XX/XXXX, I consolidated my federal student loans to secure my rightful IDR forgiveness tracking. MOHELA 's master financial ledger dated XX/XX/XXXX, confirms a Direct Consolidation Loan was booked for {$68000.00}. However, on XX/XX/XXXX, an administrative booking error occurred where 100 % negative 'Adjustment ' entries were applied to my two oldest underlying loans from XXXX ( Loan IDs XXXX and XXXX ), completely reversing their {$18000.00} and {$32000.00} payoffs and dropping them from the consolidation benefits. I have been fighting this since XXXX of XXXX. I have contacted both Mohela and XXXX countless times.Each time it's either blamed on another agency, or just punted down XXXXhe road with the promise someone will get back to me. I am still waiting. In addition to this complaint, I had my congressman ask for a congressional investigation, filed a complaint with the Mohela Ombudsman, the XXXX Ombudsman. Mohela and XXXX both have already blown past their self imposed deadlines for a resolution and I haven't heard anything from either of them. My loans dated back to the late XXXX 's, and this administrative system error by Mohela, XXXX, and XXXX has stripped away XXXX years of IDR waiver tracking to which I am legally entitled.

Company response to consumer: Untimely response