vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased XXXX airline tickets to XXXX ( for XX/XX/XXXX ) in the amount of {$890.00}. Within a few days ( XX/XX/XXXX ) I filed a dispute with Citibank because I felt that the company I bought the tickets from was a scam. Citibank opened the dispute and credited the money back to me. Citibank stated that they were having a problem contacting the merchant but that the merchant had until XXXX, XXXX to respond. The merchant responded and Citibank paid them back the {$890.00}. I called Citibank and they stated that I was to receive the tickets by the end of XXXX. I told Citibank that if I didn't get them I would call them back. I then called the merchant and was told the same thing. Citibank sent me a letter on XX/XX/XXXX asking if I wanted to continue with the dispute and to sign the letter and provide further documentation to support the dispute. At that time I couldn't dispute the charge because I was to receive the tickets in XXXX, XXXX. XXXX came and I didn't receive the tickets or the refund. I called the merchant and they told me to call Citibank. I called Citibank and they reopened my dispute. On XX/XX/XXXX I received a XXXX way call from Citibank ( maybe a scam ) and the merchant. The Citibank representative told me to do what the merchant wanted me to do if I wanted my refund. The merchant wanted me to download an app called XXXX. When I got to a certain point I said put my Citibank representative back on. I was told that they couldn't. I hung up and called Citibank. Citibank said that they never called and would never have me download an app. Here is it is XX/XX/XXXX and I have no tickets and no refund. Its been an ongoing dispute since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX for my dispute claim number for {$17.00} for dispute claim number XXXX for XX/XX/XXXX make sure international transaction fee {$0.00} and XX/XX/XXXX international transaction fee {$0.00} and for international transaction fee {$0.00} on XX/XX/XXXX and for XX/XX/XXXX {$0.00} is included in my dispute and dispute and automatically refunded and reversed and credited back to my account for checking account number is XXXX and make sure all those fees are credited back to my account as a final permanent credit given to my account etc.

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 2026-01-08 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: MA

Complaint narrative:
XX/XX/year> I purchased a pre-owned XXXX XXXX wallet from a website XXXX XXXX ( website no longer visible ) for {$480.00} USD, using XXXX credit. I received a confirmation from XXXX for the amount {$2900.00}. Which was my first alert. Despite having a {$200.00} alert in place, the bank processed the payment in the amount of {$3100.00}. Which was converted to XXXXXXXX XXXX Which I did not authorize, and I was not informed. I received XXXX tracking numbers, one to XXXX one to XXXX, both dated XX/XX/XXXX, XXXX days before the fraudulent transaction occurred. I received nothing.The alleged merchants name on the XXXX receipt is XXXX XXXX, email address XXXX I immediately called Synchrony Bank and and was informed the merchant was paid. I reported fraud, and got a notification that the case was decided in the merchants favor as I am the only authorized XXXX user. I reported it to XXXX. I sent all printed documents to the fraud department of Synchrony bank. Ive called frequently, and there is an investigation continuing, but still Im waiting for this fraudulent, unauthorized charge to be reversed.i do not know anyone in XXXX or XXXX and have no clue and am unaware of these addresses or people connected to the tracking numbers.

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 2026-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: MT

Complaint narrative:
Juno froze our account for {$28000.00}, and the whole company, along with its XXXX XXXX XXXX XXXX, became part of an investigation. On XX/XX/year>, we received a settlement of {$110.00}. We are owed {$28000.00}. We reported it to the FDIC. But we were told to contact the Federal Reserve, which hasn't responded. This has been a nightmare with the loss of our life savings, which isn't much, but we've worked hard to save this little, and it has set us back. Thanks for taking up this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: PA

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 long-term 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: Untimely response
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland Credit Management is reporting a charged-off credit card account with a balance that continues to increase over time. The original creditor ( XXXX XXXX  XXXX XXXX XXXX XXXX has confirmed in writing that the account charged off on XX/XX/year>, was sold to Midland Credit Management on XX/XX/year>, and that XXXX  reports a XXXX balance and is no longer adding interest or fees. 

Despite this, Midland has reported significant balance increases after purchasing the account. The balance was previously reported at approximately {$1100.00} and has since increased to {$2100.00}. These increases were not accompanied by any itemized accounting or explanation. 

After I filed a complaint, Midland removed only a {$14.00} increase that had recently been added, while leaving the remainder of the unexplained balance increase intact. The overall balance has increased by nearly {$1000.00}, yet Midland has not explained the source of these increases or provided documentation showing contractual authority to add postcharge-off interest or fees. 

These fluctuating and inconsistent balance changes appear to occur in connection with credit reporting updates rather than any disclosed contractual calculation. I believe this constitutes inaccurate and misleading reporting of the amount owed, in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wrote a check to XXXXXXXX XXXX on XX/XX/year> for the amount of {$46000.00}. The check was stolen from XXXX, washed, altered and written to a XXXX XXXX. The check was deposited for the same amount at a Texas based XXXX ( per Wells Fargo ). Wells Fargo withdrew and paid the check on XX/XX/year>. I didn't discover that the payee was altered until I received a XXXX XXXX letter from Department of Treasury around the XXXX week of XXXX. Upon receiving this letter I checked my account to ensure I did pay this balance and this is when I discovered check was altered to pay a different person for the same amount. I have since put in multiple claims with Wells Fargo and have received multiple denials to return my money " because to much time passed before you contacted us ''. I have been a Wells Fargo customer for over 20 years and in good faith I have been patient with them but have gotten know where. Please see attached documents showing carbon copy of original, the altered check, past due letter from Treasury and several responses from Wells Fargo.

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 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Oasis Legal Finance Holding Company, LLC
State: CT

Complaint narrative:
Hello, I am complaining regarding pre settlement loan transactions with Oasis financial before they had a license to function in the state of Connecticut for small bank loans on future income. 

They charged me well over 12 % APR on multiple loans in the amount of around XXXX dollars. They were charging me upwards of 40 %. 

When I called them years ago about my file they stated they did not have my information anymore in their systems and could not find these claims. I found that to eventually be a lie as recently as last week some one in their servicing department had it pulled up as I was on the phone with them but then they tried to forward me to another division which in an email stated they can not locate plaintiffs file. I never stated I was a plaintiff at the same time. 

After the public lawsuit they stated the same information to me that they were unable to locate my claims. 

Recently I spoke to the attorney who handled the settlement for the state and I was made aware of some information that directed me to reach back via email and phone to Oasis in order to try to collect reimbursement again and they again stated they can not find my records in their systems even though I forwarded them the receipt transactions and paper work necessary for them to know my claims were valid. These attachments included claim numbers, dates, attorneys signatures and loan amounts. I feel they are still trying to string me along in order to avoid reimbursement. 

They charged me heavily for these loans while operating in violation to law. They have been curving me for years and they are still curving me in order to avoid reimbursement of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: TX

Complaint narrative:
Synchrony bank said I made a XXXX dollar loan and I tried to tell them I didn't and they said call the fraud department on today 's date which is XX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA

Complaint narrative:
I am submitting this complaint regarding a private student loan originally originated by XXXX and now serviced by MOHELA, identified as a Signature Student Loan. 
I have experienced prolonged financial harm due to the structure and servicing of this loan. Despite years of consistent, good-faith payments, the loan balance has not meaningfully decreased because daily interest accrual consumes nearly all payments before any principal reduction occurs. I am effectively paying interest only, indefinitely. 
I have exhausted every hardship option offered by the servicer, including forbearance, rate reduction programs, and modified repayment discussions. These options provided only temporary relief while allowing interest to continue accruing, worsening my financial position. I am now in a situation where I must borrow money from friends and family simply to cover basic living expenses. 
I am the sole income earner for a household consisting of my XXXX and XXXX XXXX XXXX. I currently reside outside the United States ( XXXX ), which materially limits my ability to increase income or access U.S.-based relief programs. Despite this, the servicer has offered no sustainable long-term solution. 
A co-signer ( my aunt ) is attached to this loan. I am continuing to pay solely to protect her credit, even though the payment is financially destructive to my household. This dynamic creates coercive pressure that prevents meaningful resolution and exacerbates harm. 
I believe XXXX and MOHELAs servicing practicesincluding steering borrowers into temporary hardship programs while allowing balances to grow, failure to offer realistic long-term repayment solutions, and maintaining a loan structure where repayment does not reduce principalconstitute unfair and harmful servicing conduct. 
I am requesting : A full review of the loans servicing and interest application history Consideration of non-standard relief, settlement, or principal adjustment A response from a supervisory or executive-level resolution team I am not refusing to pay. I am seeking a lawful, sustainable resolution that does not destroy my familys financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: VA

Complaint narrative:
I entered into a rental-purchase agreement with Koalafi that XXXX a XXXX XXXX XXXX XXXX. I made multiple payments and attempted to complete the remaining payments within the XXXX period. My bank declined the payment attempts due to fraud protection ( unrecognized charge ), not due to insufficient funds or refusal to pay. 

Under the agreement, weekly payments are not considered past due until XXXX ( XXXX ) days after the scheduled due date, and returned payments are addressed through a returned-payment fee. The agreement does not state that a declined or returned payment immediately voids the XXXX XXXX XXXX XXXX nor does it allow Koalafi to XXXX payment without providing the contractual grace period and opportunity to cure. 

Despite my good-faith attempts to pay within the XXXX window, Koalafi is now demanding a payoff amount of {$2700.00} and refusing to accept the remaining payments under the XXXX XXXX XXXX. I requested written documentation explaining how this amount was calculated, reinstatement of the XXXX option, and confirmation regarding credit reporting. Koalafi did not provide the requested documentation and instead instructed me to call customer service. 

I am ready and willing to immediately tender the remaining payments and any contractually permitted returned-payment fees. I am requesting that Koalafi correct the amount owed, honor the XXXX XXXX XXXX XXXX under the agreement, and cease attempting to collect an incorrect balance. 

I sent multiple emails requesting information and sent a final resolution as well. The emails asked if I can call them, upon calling, they never sent me any of the information requested, very rude on the phone, and hung up on me. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I was charged a {$95.00} processing fee for a card I never received and theyre refusing to close the account and refund me. I requested that the card be shipped to me via their expedited process which means I shouldve received the card within XXXX days from the initial request. Ive done this XXXX times over the last XXXX months and despite this, they keep allegedly sending the card via regular mail - a process that takes XXXX business days according to them. Regardless, I havent received any cards from this company but do have fraudulent charges on the card somehow. Ive filed disputes but have had no luck. This company should be shut down. They take your money in the form of a processing fee and they dont send you cards. They constantly lie and Im over it.

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 2026-01-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Name : XXXX XXXX XXXX. 
Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone : XXXX SSN ( last XXXX ) : XXXX XXXX XXXX is inaccurately reporting a timeshare obligation as a mortgage on my credit reports with Experian, Equifax, and TransUnion. 

This account is a timeshare/vacation interest and is not secured by real property. A timeshare does not qualify as a mortgage under the Fair Credit Reporting Act or Metro 2 reporting standards unless it is supported by a recorded lien, deed of trust, and identifiable real property collateral. 

Despite multiple disputes, the account continues to be verified and reported as a mortgage without any documentation demonstrating that real property secures the obligation. Neither XXXX nor the credit reporting agencies have provided a recorded lien, property address, or mortgage instrument supporting mortgage classification. 

Reporting a timeshare as a mortgage is materially inaccurate and constitutes a failure to ensure maximum possible accuracy under FCRA 1681e ( b ), as well as a failure to conduct a reasonable investigation under FCRA 1681s-2 ( b ). 

I am requesting that this account be deleted or immediately corrected to remove improper mortgage classification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am filing a complaint regarding a dispute I opened with Citibank for airline charges with XXXX XXXX. On XXXX, XXXX, my flight was delayed for over XXXX hours on the tarmac in high heat without access to water. I have a diagnosed XXXX condition that requires hydration to prevent XXXX crisis. I was not allowed to deplane during this delay. After XXXX hours, the airline finally deplaned passengers but caused me to miss my connecting flight. XXXX XXXX told me they could not rebook me in time to reach my destination, and I was forced to purchase XXXX XXXX-way tickets out-of-pocket ( XXXX XXXX ) in order to reach my destination. 

XXXX XXXX later refused to refund the original unused portion of my tickets or the additional out-of-pocket travel expenses. I filed a dispute with Citibank for the charges. Citibank repeatedly mishandled the dispute by using the wrong dispute dollar amount, combining unrelated disputes, and failing to acknowledge the documentation I provided. They sent me boilerplate denial letters and did not address the substance of the dispute. 

The dispute has been open for months without resolution. Citi issued a conditional credit but applied it to the wrong amount and against an unrelated transaction I previously withdrew. Citibank did not complete a reasonable investigation as required under Regulation Z. 

I am requesting that Citibank correct the dispute amount, properly investigate the transaction, and reimburse the out-of-pocket charges that resulted directly from the airlines failure to provide contracted transportation. 


I have supporting documentation including receipts, airline communications, medical evidence, and timeline logs that I can provide.

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 2026-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
The amount in my escrow in incorrect. they have collected it and it shows how much, including how much has been paid year to date, but that does not match the amount they say in is it. 

I have called XX/XX/year>, XX/XX/year> and my Bankruptcy attorney From XXXX XXXX XXXX, has reached out both in XXXX and XXXX with no response. They also send out a letter to them requesting the information.

Company response to consumer: Closed with explanation